credit office resume example with 17+ years of experience

Jessica Claire
  • Montgomery Street, San Francisco, CA 94105 609 Johnson Ave., 49204, Tulsa, OK
  • H: (555) 432-1000
  • C:
  • Date of Birth:
  • India:
  • :
  • single:
  • :
Professional Summary
  • An experienced and knowledgeable Organizational Development and HR professional with a demonstrated record of accomplishment across 12 years
  • Focused on enhancing business efficiency and team productivity by sourcing high-quality candidates and minimizing turnover
  • Proficient in supporting training, performance- optimization and motivational strategies with focus on
  • OD and HR . I am an experienced professional that have role of facilitating Organizational improvement , including organization structures and diagnosing organization problem areas, consulting on OD strategies , and conducting team building sessions. I have the knowledge to work with industry organization to help them run efficiently and effectively.

Multi-talented HR consistently rewarded for success in planning and operational improvements. Experience in policy development and staff management procedures positively impacting overall morale and productivity.

  • Microsoft ( excel , word , power Point ) , Communication , Strategic HR , OD, Leadership , Management , interpersonal , consulting ..
  • Banking
  • Interpersonal
  • Consulting
  • Hiring
  • Human Resource
  • Leadership
  • Excel
  • Office
  • Power Point
  • Word
  • Performance management
  • Quality
  • Sales
  • Strategic
  • Safety knowledge
  • Compensation and benefits
  • Workforce improvements
  • Company organization
  • Succession planning
  • Labor negotiations
  • Personnel recruitment
  • Organizational development
  • Equal opportunities facilitation
  • Compensation structuring
  • Recruitment
  • Payroll coordination
  • Multitasking abilities
  • Microsoft Office proficiency
  • Problem resolution
  • Strong communication skills
  • Recruitment strategies
  • Resource planning
  • Conflict resolution
  • File and records management
  • Training programs
  • Talent management
  • Employee relations
  • Environmental assessment
  • Writing reports
  • Publishing journal articles
Work History
CREDIT OFFICE, 01/2001 - 01/2004
Chesterfield County, Va Chesterfield, VA,
  • Prepared loan applications.
  • Evaluated clients' financial information.
  • Calculated risk ratios.
  • Organized and finalized loan applications for underwriter review.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Checked appraisals, title information and insurance documents for each property.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Oversaw all reporting, documentation and recordkeeping requirements for department.
  • Referred delinquent accounts to collections department or outside resources.
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
  • Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
HR AREA MANAGER, 01/2004 - 01/2011
  • Defined sales targets, set financial goals, and collaborated with senior department and location managers.
  • Responsible for budgets, quality, P&L statements, hiring and training.
  • Required knowledge of office software packages and spreadsheet software along with an excellent understanding of business finance principles.
  • Build the company structure.
  • Developed exceptional attendance record with special attention to punctuality and preparation to work upon arrival.
  • Created positioning and key messages to differentiate business solutions and products in market.
  • Established and maintained productive working relationships with staff to resolve operational difficulties and to promote interdisciplinary, collaborative approach to customer service provision.
  • Evaluated quality problems and performed [Action] to identify and resolve issues.
  • Researched competitive solutions and maintained competitive market comparisons and evaluations.
  • Inspected inbound and outbound products for compliance with established industry standards, company policies and procedures.
  • Resolved conflicts and negotiated agreements between parties in order to reach win-win solutions to disagreements and clarify misunderstandings.
  • Conducted office management and emergency preparedness orientation to provide special skills and test specific emergency plan components.
  • Managed quality assurance program including on site evaluations, internal audits and customer surveys.
  • Provided observations, took measurements and performed tests at various stages according to quality control plan.
  • Offered pricing and feature recommendations to management and cross-functional teams.
  • Operated with high integrity, built trust, and earned sustained credibility with internal and external clientele.
  • Managed and archived quality documentation and participated in internal and external quality audits.
  • Documented meeting minutes and distributed to staff to facilitate follow-up and permanent record.
Human Resources Specialist, 01/2012 - 11/2019
  • Was responsible for Human Resources initiatives that helped retain, train, and develop KCTG employees with the objective to perform maximum ability and achieve goals.
  • Provided advice to employees in the resolution performance management issues, development plans, and employee engagement initiatives.
  • Change the company structure.
  • Implemented changes requested by designers, owners or inspectors to conform to specifications or updated demands.
  • Improved operations and boosted profits by streamlining procedures, controlling waste and bringing in new clients.
  • Reviewed plans from architects and consulted with clients to gain deeper understanding of project plans, constraints and objectives.
  • Maintained optimal cost controls by making affordable supplier purchases and negotiating lower prices.
  • Led weekly production and operations contractor meetings, facilitating stronger communication and helping to resolve critical issues.
  • Reduced process downtime by restructuring ongoing projects, ensuring quality and compliance.
  • Collaborated closely with clients to better understand entire project scope.
  • Performed work according to project schedules and high quality standards.
Master of Science: Organizational Development Psychology , Expected in 11/2019
Avila University - Kansas City, MO
Status -
  • Concentration : Strategic Human Resource
  • Coursework in Human Resource , Behavior and Interpersonal and Communication
  • Professional development completed in Human Resource
  • Majored in Organization Development
Bachelor of Science: Commerce And Banking Science , Expected in 06/1999
Almansour University Collage - IRAQ , Baghdad ,
Status -

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Resume Overview

School Attended

  • Avila University
  • Almansour University Collage

Job Titles Held:

  • Human Resources Specialist


  • Master of Science
  • Bachelor of Science

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