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Credit Risk Manager Resume Example

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CREDIT RISK MANAGER
Professional Summary

Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability. Focused credit management professional trained in [Area] and [Area]. Excellent ability to collaborate with other bank departments to keep operations running smoothly. Experienced at training and mentoring junior employees. Experienced [Job Title] with over [Number] years of experience in [Industry]. Excellent reputation for resolving problems, improving customer satisfaction, and driving overall operational improvements. Consistently saved costs while increasing profits. Multi-talented [Job Title] consistently rewarded for success in planning and operational improvements. Experience in policy development and staff management procedures positively impacting overall morale and productivity.

Accomplishments
  • Supervised team of [Number] staff members.
  • Collaborated with team of [Number] in the development of [Project name].
  • Documented and resolved [Issue] which led to [Results].
Skills
  • Sales proficiency
  • Credit reports
  • Risk mitigation
  • Verbal and written communication
  • Commercial and consumer clients
  • Credit programs
  • High risk account reviews
  • Expertise in [Software]
  • Proficient in [Language]
  • Experienced with [Type] software
  • Credit decisions
  • Performance monitoring
  • Credit risk
  • Financial statements expertise
Work History
Credit Risk Manager, 09/2018 to 07/2020
BICEC BANK CAMEROON – DOUALA, CAMEROON
  • Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Work cross-functionally with sales, management and other departments to maintain effective operations.
  • Reviewed and analyzed loan procedures.
  • Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
  • Negotiated settlements and payment terms with customers through [Action].
  • Streamlined processes for early identification of potential credit system and monitoring problems.
  • Attended ongoing professional training to facilitate accurate and productive credit management.
  • Developed strategies to expedite payments and customer resolutions.
  • Provided training to junior colleagues and consulted with struggling teams to help meet monthly target goals.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Optimized credit approval and collection processes, improving operational efficiencies by over 20%.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
  • Monitored accounts for signs of fraud and non-payment issues.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Provided resources and expertise for conversion, validation and training required for company-wide software updates.
  • Referred delinquent accounts to collections department or outside resources.
  • Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
  • Oversaw all reporting, documentation and recordkeeping requirements for department.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
  • Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
Bank Manager, 01/2010 to 09/2018
BICEC BANK – KUMBA, CAMEROON
  • Reviewed and edited loan agreements to promote efficiency and accuracy.
  • Identified and capitalized on community business opportunities with effective networking.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
  • Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
  • Consulted with representatives of regulatory agencies to complete accurate filings and uphold strict compliance.
  • Protected company assets with strategic risk management approaches.
  • Assessed employee performance and developed improvement plans.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Assessed budget plans and present costs to forecast trends and recommend changes.
  • Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
  • Delivered exceptional experience and maintained productive relationships with area small businesses.
  • Developed and implemented marketing and business plans.
  • Met with customers to assess needs and propose customized solutions.
  • Structured and finalized secured and unsecured loans.
  • Provided leadership and direction to grow team portfolio and increase revenue.
  • Reviewed more than [Number] financial statements per [Timeframe].
  • Boosted branch sales by developing and deepening customer loyalty through incentive programs.
  • Evaluated [Type] applications against outline specifications to approve, reject or recommend adjustments files.
  • Increased new bank relationships within local community by [Number]% through execution of quarterly promotions.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes, coaching employees on company protocol and payroll operations.
  • Engaged employees in business processes with positive motivational techniques.
  • Funded [Type] initiatives by cultivating strong partnerships and stockholder relationships.
  • Submitted loan applications to loan underwriter for verification and recommendation.
  • Uncovered and resolved strategic and tactical issues impacting sales management and business operations.
  • Resolved escalated customer issues and boosted retention rates by [Number]%.
  • Boosted revenue by $[Number] and grew sales team from [Number] to [Number] personnel during [Timeframe].
  • Met deadlines by proactively managing individual and team tasks and implementing [Type] processes.
  • Produced [Type] and [Type] reports outlining financial data to assist management with making strategic plans and operational decisions.
Bank Operations Manager, 03/2008 to 01/2010
BICEC BANK – MAMFE, CAMEROON
  • Delivered exceptional experience and maintained productive relationships with area small businesses.
  • Provided leadership and direction to grow team portfolio and increase revenue.
  • Structured and finalized secured and unsecured loans.
  • Identified and capitalized on community business opportunities with effective networking.
  • Assessed employee performance and developed improvement plans.
  • Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
  • Consulted with representatives of regulatory agencies to complete accurate filings and uphold strict compliance.
  • Boosted branch sales by developing and deepening customer loyalty through incentive programs.
  • Funded [Type] initiatives by cultivating strong partnerships and stockholder relationships.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes, coaching employees on company protocol and payroll operations.
  • Resolved escalated customer issues and boosted retention rates by [Number]%.
  • Engaged employees in business processes with positive motivational techniques.
  • Uncovered and resolved strategic and tactical issues impacting sales management and business operations.
Education
Master of Science: Financial Management, 11/2015
Amity University - India
Bachelor of Science: Management, 12/2007
UNIVERSITY oF BUEA - CAMEROON
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Resume Overview

Companies Worked For:

  • BICEC BANK CAMEROON
  • BICEC BANK

School Attended

  • Amity University
  • UNIVERSITY oF BUEA

Job Titles Held:

  • Credit Risk Manager
  • Bank Manager
  • Bank Operations Manager

Degrees

  • Master of Science : Financial Management , 11/2015
    Bachelor of Science : Management , 12/2007

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