Credit Risk Manager Resume Example
Love this resume?Build Your Own Now
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
|
|
Work History
Credit Risk Manager, 09/2018 to 07/2020
Accenture Contractor Jobs – Hines , IL
Accenture Contractor Jobs – Hines , IL
- 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
Citizens National Bank – Sevierville , TN
Citizens National Bank – Sevierville , TN
- 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
Regions Financial Corporation – Atmore , AL
Regions Financial Corporation – Atmore , AL
- 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 - City
Amity University - City
Bachelor of Science: Management, 12/2007
UNIVERSITY oF BUEA - City
UNIVERSITY oF BUEA - City
DISCLAIMER
Resumes, and otherinformation uploaded or provided by the user, are considered User Content governed by our Terms & Conditions. As such, it is not owned by us, and it is the user who retains ownership over such content.
How this resume score could be improved?
Many factors go into creating a strong resume. Here are a few tweaks that could improve the score of this resume:
Resume Strength
- Completeness
- Formatting
- Length
- Measurable results
- Strong summary
Resume Overview
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
Similar Resumes
