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sr vice president chief credit officer resume example with 15+ years of experience

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Jessica Claire
Montgomery Street, San Francisco, CA 94105 (555) 432-1000, resumesample@example.com
Executive Profile
Experienced banking executive with a background in all facets of loan origination, production, and portfolio management. Driven to instill strong credit culture, maintain compliant and responsible lending practices, and assist institutions with implementing new strategies for loan growth. Have experience in both large and small credit union and community banking environments as an executive level organizational leader. Builds and retains high performance teams by hiring, developing and motivating skilled professionals while providing the resources to continuously make the processes more efficient. Background in all facets of lending including creating commercial, mortgage, and consumer loan products, processes, and strategies. 
Certifications / Awards

  • Experienced in administration of loan origination and core banking software.
  • NCUA, FDIC, OCC regulatory experience
  • CUSO management
  • WVBA Lending Leadership Committee
  • Member of RMA
  • Credit Union Executive Society 

  • SBA 7(a), Express, SBA 504 loan programs
  • CUES School of Business Lending I-III
  • CUBG Cash Flow Analysis School
  • UFCU Star Performer
  • UFCU Lending Employee of the Quarter
  • BCBank Presidents Award
Professional Experience
2015 to Current Sr. Vice President, Chief Credit Officer Baker Boyer Bancorp | Kennewick, WA,
  • Responsible for the management of all loan origination/operations, reporting directly to the Chief Executive Officer.
  • Responsible for the management and oversight of all lending product offerings (consumer, mortgage, and commercial).
  • Member of the executive management team, reporting to the Board of Directors on a monthly basis.
  • Created new more dynamic consumer loan products increasing consumer lending by over 300% in the first year.
  • Implemented a risk based pricing strategy for all loan products, increasing overall yield, and interest income.
  • Increased commercial loan pipeline from $4-5MM to over $30MM in first year.
  • Overhauled mortgage product offering to include longer term fixed rate offerings through secondary market programs, in house ARM products, and new HELOC products.
  • Obtained SBA Express loan designation through the Small Business Administration to supplement C&I loan product offerings
  • Hired two additional experienced loan officers to increase pipeline of loans.
  • Opened a loan production office in a previously unserved market to increase loan volume and market penetration.
  • Implemented new credit culture and stricter underwriting standards for commercial loans, created more effective underwriting strategy and new risk rating matrix.
  • Overhauled the loan operations process to ensure effective separation of duties, more diligent checks and balances, and corrected compliance deficiencies.
  • Created new lending and OREO policies to ensure state, and federal regulatory compliance.
  • Implemented new collections process and procedures to resolve stagnant delinquent loan portfolio, decreased overall delinquency to under 1% by the second quarter 2016.
  • Hired portfolio specialist to manage collections, and annual loan review processes to ensure proper annual due diligence on the loan portfolio.
2012 to 2015 Business Lending Manager UNIVERSITY FEDERAL CREDIT UNION | City, STATE,
  • Responsible for the management of loan operations, reporting directly to the Sr. Vice President, Chief Lending Officer.
  • Manage commercial loan portfolio between $80 - $120 million.
  • Responsible for managing Sr. Business Credit Analyst, Portfolio Manager, Loan Processor, Loan Closer, Loan Servicer, CUSO relationship.
  • Responsible for overseeing the portfolio risk management process and annual compliance reviews of existing loans and collateral.
  • Responsible for the oversight of the loan closing process, and loan draw process.
  • Created loan pricing model, and responsible for establishing uniform underwriting standards as the loan underwriting function was moved in house from a third party CUSO provider.
  • Achieved designation as an SBA Preferred Lending Partner (PLP)
  • Responsible for the oversight of commercial real estate, C&I, and SBA loan origination and funding process.
  • Facilitate business loan committee meetings, presentation of reports, and proposed credit to committee of Credit Union executives.
  • Implementation, configuration, and administration of automated commercial loan origination software.
  • Project team member of implementation of enterprise wide customer relationship management software.
  • Interim CEO of CU Business Solutions during executive management transition of credit union owned CUSO. 
2008 to 2011 Business Credit Analyst UNIVERSITY FEDERAL CREDIT UNION | City, STATE,
  • Responsible for the review and analysis of business loan applications.
  • Conduct full financial analysis of borrowers and guarantors repayment capacity, cash flows, liquidity, financial ratios and credit.
  • Responsible for drafting all credit presentations to be submitted to loan committee for loan approval.
  • Underwrote loan relationships in excess of $20 million
  • Performed annual compliance reviews of existing loans and collateral.
  • Performed SBA 7(a) loan packaging for applications for guaranty, managed relationship with SBA through authorization process.
  • Ensured effective communication between loan officers, third party clients, approving authority, and other departments involved in loan process.
  • Project team member of implementation of enterprise wide customer relationship management software (CRM).
2005 to 2008 Loan Service Advisor I - III UNIVERSITY FEDERAL CREDIT UNION | City, STATE,
  • Four years direct consumer lending experience.
  • Responsible for training and development
  • Responsible for monthly production, quality control, and audit reporting to Sr. Management
  • Managed quality control process and reported exceptions to other loan service advisers for resolution.
  • Primary help desk resource for operations management and staff.
Education
Expected in 2004 to to Bachelor of Science in Business Administration | Finance AUBURN UNIVERSITY, Auburn, AL GPA:
Minor in Economics, International Business

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Resume Overview

School Attended

  • AUBURN UNIVERSITY

Job Titles Held:

  • Sr. Vice President, Chief Credit Officer
  • Business Lending Manager
  • Business Credit Analyst
  • Loan Service Advisor I - III

Degrees

  • Bachelor of Science in Business Administration

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