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Credit Risk Manager Resume Samples
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0-5 years of experience
Managed all credit risk installment portfolios for the entire consumer retail lending sector, with over $23 billion in assets. Directed all policy and procedure reviews with business line and corporate compliance. Leadership oversight pertaining to subvention program monitoring for partnerships with Volvo and GM. Conducted analysis and drafted quarterly management letter for the installment portfolio for senior management. Led stress testing analysis (TARP) for the consumer installment indirect segment.
- Generated opportunities for new business growth by drafting policies that drove improved compliance and risk protocols and complied with changing economic environment.
- Managed an OCC exception issue and prevented an MRA by sizing, scoping, and resolving prior to audit completion.
- Created a new MIS monthly reporting structure that became the standard for all monthly reviews conducted by credit risk.
- Enabled efficient dissemination of quarter-over-quarter/year-over-year reporting by creating and enhancing documentation.
0-5 years of experience
Managed fulfillment Operations for the Central United States Region
- Managed production of $100MM + of loan origination volumes for 3 consecutive years
- Managed effort to reduce unsold inventory. Portfolio Loan inventory reduced to a level that impacted the company before tax revenue of over $3million in a 6 month period
- Managed customer satisfaction analytics and installed process to bring appropriate data and source / cause to team developed to increase satisfaction scores
- Worked with consolidation team that reduced 4 processing centers into 1 centralized campus
0-5 years of experience
Managed the credit bureau risk segmentation process in support of the Bank’s consumer real estate and card services acquisition programs.
- Wrote technical RFP’s; received and analyzed bids, quotes, proposals, and awarded the winning contract.
- Coordinated targeted strategic initiatives with the three major credit reporting agencies for all consumer real estate and card services direct mail campaigns, including all contract negotiations.
- Designed and implemented credit risk criteria and conducted quality control audits to ensure process accuracy, completeness and timeliness.
- Provided financial analysis and risk forecasting to internal business partners and senior management.
- Presented credit risk segmentation analysis to support a $280 Million portfolio sale – January 2002.
0-5 years of experience
Managed a retail credit portfolio of $500+ million for risks and opportunities with Fortune 500, Eddie Bauer Division.
- Developed custom performance reports, financial models and analysis using SAS, Visual Basic, Access and SQL databases from data warehousing environments to meet business requirements.
- Interpreted and analyzed data in support of direct and relationship marketing strategy development.
- Improved financial reporting processes to increase responsiveness, reduce reporting errors, and accelerate monthly reporting cycles.
- Monitored credit trends in relation to business objectives and analyzed performance data.
- Lead a development team in the creation of new tools for the management of credit-card programs and credit risk scoring models to reduce high-risk exposure.
0-5 years of experience
Approved loan transactions and monitored client credit exposures across multiple industry sectors.
- Supported lending activities of relationship managers and regional presidents in Arizona, Nevada, New Mexico, and Texas. Teamed with relationship managers and analysts to evaluate and structure new transactions.
- Approved $280 million in new commitments; loan portfolio was comprised of business banking, commercial and industrial, real estate, private banking, and agriculture credits.
- Led, mentored, and coached a team of four commercial loan officers and six credit analysts.
- Analyzed, negotiated, and restructured nonperforming corporate and real estate credit for Special Assets.
0-5 years of experience
Exercised credit approval authority for several business lending units. Reviewed loan requests to ensure underwriting standards were met, policies adhered to, and for appropriate structure and security.
- Approval authority of $2 million secured / $1 million unsecured.
- Reviewed/supported credit requests going to Loan Committee.
- Developed two new credit policies governing commercial real estate lending.
- Designed and instructed a training program to educate credit analysts on cash flow analysis and loan structuring, enabling the bank to improve the quality of its underwriting staff.
- Developed a policy and approval matrix governing Treasury credit exposures, and also accepted risk management responsibility for the portfolio, enabling bank to transfer credit responsibility from Treasury to Risk Management and satisfy regulatory guidelines.
- Mentored credit analysts daily via constructive feedback during the loan approval process.
0-5 years of experience
Monitored the performance of Mortgage Backed Securities (MBS) totaling three billion dollars
- Worked with mortgage loan servicers to recover losses resulting from inadequate servicing, origination, and fraud
- Performed underwriting reviews on high loss severity loans to identify fraudulently originated loans
- Reconciled principal and interest, prepayment premiums, mortgage insurance proceeds and losses from trustee reports with servicer data to ensure accuracy, and recovered any outstanding dollars owed to the investor
- Conducted onsite operational audits of mortgage servicers and provided performance reviews to Senior Management
- Produced monthly reports for MBS investors outlining the performance and recoverable dollars for each MBS security
6-10 years of experience
Accountable for independently identifying, assessing and reporting in writing on credit risk and control process of loans held in portfolios to lending staff, senior management, audit committee, and board of directors.
- Supervised credit reviews of all lending entities bank wide.
- Identified and communicated policy and/or operational improvements that enhanced credit quality and increased the efficiency and effectiveness of the loan review process.
- Participated in regulatory conferences to stay abreast of pertinent regulatory issues and their impact on commercial credit risk.
- Assisted the CFO and COO with the allowance for loan losses.
- Perform quarterly stress tests, monitor past due reports and troubled loans.
0-5 years of experience
Managed and supported approximately 8 employees; Facilitated & organized staff development & training.
- Performed reviews of financial statements, credit reports, and applicable ratios.
- Evaluated and examined transactions to ensure accuracy and completeness; ensuring that documents are consistent and uphold to company and industry guidelines.
- Eliminated risk by analyzing credit packages while providing managerial duties and timely responses to sales employees.
- Analyzed prospective or existing client relationships to identify and assess risk issues and assign risk ratings.
0-5 years of experience
- Managed a diverse team of five specialist for an over $1 billion credit union
- Provided weekly update/analysis/trending of delinquency and charge offs
- Surpassed 2013 delinquency goal of 1.00% in January (.95%), February (.95%) and March (.98%) of 2013
- Prepared trend reports and analysis of performance and calculated charge off ratio and for VP of Lending and COO
- Surpassed 2013 charge off ratio goal of .55% in January (.43%), February (.48%) and March (.42%) of 2013
- Prepared report for Board of Directors meetings explaining trends and providing analysis and possible solutions
0-5 years of experience
Reviewed current and proposed Agency, Non Agency and Mortgage Insurance policies for updates/revisions to be made and implement to existing underwriting policies and guidelines
- Monitored Agency and Home Equity guidelines to insure compliance with the Fair Credit Reporting Act
- Developed and maintained strong partnerships with Legal, Compliance, Fair Lending, Agency Relations, Investor Support Services, Operational Risk Management and other key colleagues
- Developed business requirement agreements for credit policy changes/updates
- Reviewed and approved functional specification documents
- Provided approval for change/update rollout communications
0-5 years of experience
Managed loan portfolio performance Management Information Systems (MIS) for a $1.23 billion unit
- Assisted with analytical review’s, financial forecasting, and developing tools to manage portfolio risk as well as loan officer performance
- Created and implemented credit processing enhancement program recommended by the Chief Credit Officer and approved by Executive Committee and Board of Directors
- Generated monthly loan portfolio performance MIS and quarterly concentration analysis
- Developed analytical models to support the existing portfolio, as well as a platform to increase lending in other segments (consumer lending and non-real estate secure lending)
- Assumed primary management of JHAKnow for loans
- Coordinated loan portfolio performance reporting with Accounting and Finance
- Coordinated the delivery of automated solutions with IT
- Supported the Chief Credit Officer with developing managing and streamlining portfolio risk management tools
0-5 years of experience
- Analyzed and underwrote credit requests for vehicle, mobile home, personal property, unsecured and real-estate secured loans up to $350,000
- Averaged 212 loan decisions and $8.6 million in approvals monthly, with 3-hour average first-contact turnaround time
- Conducted financial statement, cash flows, risk analysis and credit history analysis for loan decisions
- Served as project manager for development of revised AML and BSA compliance strategy, including milestone establishment and progress updating, multi-BU and outside vendor effort coordination
- Tested company AML and BSA investigative procedures, developed alert criteria and threat thresh holds
- Supervised and mentored team of 11 loan policy customer service representatives, increasing call quality rating from 86% to 94%
- Developed and implemented program to cross-train all members in retail and commercial lending
0-5 years of experience
- Approved in excess of $1 million in held funds and transactions daily.
- Facilitated development of multiple credit analysts who earned promotions or other additional responsibilities.
- Reviewed more than 100 merchant accounts daily to determine if additional investigation needed.
- Created training modules to enhance employee development and further departmental goals.
0-5 years of experience
Actively involved and responsible for the monitoring of customer approvals in the area of MBS, CMO, Repurchase Agreements, money market instrument products and municipal securities.
- Assess counterparty customer risk in US governments, agencies, Repo, MBS, CMO, stock loan, corporates, money market products and municipal securities for a group of five companies.
- Monitored all firm wide counterparties, including emerging markets.
- Created an intranet credit monitoring system that monitored exceptions versus limits.
- Advised senior and executive management on internal and external credit developments and exceptions.
- Interacted with management and trading personnel in all products for spot credit approvals and trade analysis.
- Knowledgeable in the Loan Net System for $1 billion stock loan book with over 100 counterparties.
0-5 years of experience
Managed Corporate [company name] department staff of 23 including Senior Level Underwriters, Jr. Underwriters and essential [company name] staff
- Developed new and training on specialty products including FHA 203k, USDA, VA High Balance and both FHA and VA EEM loans
- Worked alongside Processing Manager to training feedback and one on one training to Processors throughout Company
- Managed Scenario desk and oversaw resolutions on escalated exceptions
- Created and maintained Credit Policy, procedure and product definition documents for the Company
- Loan Committee member – committee utilized for escalated loans, new product announcement presentation and feedback; and process flow item discussions for all departments within Company
- Worked jointly with Capital Markets/Secondary, Post Closing and Quality Control departments in handling the review and sale of loans, collateral review, deficiencies or possible repurchasing of loans to/from investors/agencies
- Restructure of loans if necessary for salability
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Last edited by: Gabriela Barcenas, CPRW, Content Writer II -
Gabriela Barcenas
CPRW, Content Writer IIGabriela is a Certified Professional Resume Writer (CPRW) and career adviser. With 10 years of digital media experience and five years of resume writing expertise, her publication history includes fashion, education, travel, social justice, equitable design and career advice.
