Credit Operations Resume Samples

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B Strosin

Bulah

Strosin

15337 Murray Rapids

San Francisco

+1 (555) 504 9901

15337 Murray Rapids

San Francisco

Phone

p +1 (555) 504 9901

Experience Experience

Philadelphia, PA

Credit Operations Analyst

Philadelphia, PA

Reynolds and Sons

Philadelphia, PA

Credit Operations Analyst

Support in developing enhanced programs/system to improve efficiency in daily operation of credit processing
Manage and ensure all marketing or risk acquisition program are processed based on established standards (SAF)
Provide technical support to credit unions during the design, development, and implementation phases of the project/change request
Identify and report outstanding issues to stakeholders; assist with issue resolution
Provide reports and feedback Credit Policy, Sales and Distribution, Marketing, and other unit related to Credit Initiation on credit application processing
Strong working knowledge of Microsoft Office applications, particularly Excel
Perform other duties as assigned

San Francisco, CA

Associate Credit Operations Analyst

San Francisco, CA

Howe, Predovic and Rath

San Francisco, CA

Associate Credit Operations Analyst

Coordinates and participates development of loan documentation with outside counsel
Facilitate and execute proper set up of soft credit exposure including automated clearing house (ACH) and fed fund check clearing
Performs data integrity reviews and initiate necessary corrective actions
Works directly with owners, executives, and corporate officers of client companies
Responsible for completion of Risk initiatives on behalf of the Relationship Managers that are being implemented by the Business
Audit Support: Performs independent, periodic RCSA testing
Works independently with client to answer any questions on due diligence report and financial statements before supplying RM with data

present

Phoenix, AZ

Intermediate Associate Credit Operations Analyst

Phoenix, AZ

Vandervort Group

present

Phoenix, AZ

Intermediate Associate Credit Operations Analyst

present

Provides senior subject matter expertise to Relationship Managers, Product Managers, and Portfolio Managers
Works with product partners to develop and enhance current product base
Facilitate and execute proper set up of soft credit exposure including automated clearing house
Performs independent analysis on high net worth clients and recommends if customer is initially credit worthy based on due diligence findings
Manages vendor support such as Title companies, attorneys, CPA's and appraisers etc
Performs OFAC checks on clients and facilitates Reg B checks to ensure all risk is reviewed and regulations are adhered to
Secures collateral, monitors collateral adequacy, and notifies Relationship Manager if escalation with the customer is warranted

Education Education

Bachelor’s Degree in Business

Kean University

Bachelor’s Degree in Business

Skills Skills

Strong organisational skills and strong attention to detail
Strong attention to detail
Strong proficiency in MS Excel, experience with use of technology systems
Sound knowledge of wholesale financial services domain and strong understanding of wholesale financial service operations
Excellent interpersonal skills with an ability to communicate at all levels
Ability to work independently, self motivated with ability to prioritize work and meet tight deadlines
Strong Word, Excel and Access skills an advantage
Knowledge of credit products in European countries is
Excellent communication skills (written and verbal)
Ability to suggest improvements and engineer process changes

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15 Credit Operations resume templates

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Credit Operations Specialist Resume Examples & Samples

Strong, creative problem solving and decision making ability
Strong attention to detail and quality
Exceptional flexibility and reliability required and strong organizational and planning skills
Must meet all performance expectations of current level
Must be able to work in a fast paced environment
Good PC Skills and able to effectively navigate multiple computer processing systems to perform all work

O&t-icg-credit Operations Analyst Resume Examples & Samples

Collateral monitoring
Facility limit monitoring
Release of collateral and security documents
Record management and custodian for collateral
Insurance policy and premium follow up
Regulatory reporting including HKMA reports; and
MIS report preparation
Strong documentation management experience with at least 3 years relevant experience preferred
Pleasant and able to work under pressure and multiple tasks
With passion of self-development and capable to manage challenges

Credit Operations Specialist Resume Examples & Samples

Strong interpersonal, analytic, organization and judgment/problem solving skills
Strong communication skills are necessary
Ability to understand and work in core financial systems and beable to navigate between multiple computer applications
Must be reliable and have the ability to adapt to a changing environment. Must possess an eagerness for future development and learning
Previous credit and judgmental lending experience with ability to read and understand credit bureau reports a plus

Agency Manager, Credit Operations Resume Examples & Samples

Ability to build and manage relationships with mercantile agents as well internal stakeholders
Ensuring the agents meet or exceed Citi’s expectations contractually
Monitor and drive recovery numbers of agencies to meet agency management targets
Develop strategies to increase performance and recoveries on a monthly basis
Ability to manage a team of collectors and team leaders remotely
Regular meetings with agencies discussing performance, targets and other management issues
Maintain and provide MIS as well as ensuring accuracy in reporting
Ensuring agents are adhering to Citibank’s compliance, controls and information security standards
Ensure accuracy in commission invoices and effective tracking of invoice payments
Effectively manage the referral and recalling of accounts to mercantile agents
Actioning incoming and outgoing correspondence from both agents and customers in a timely manner
Identify and report anomalies to management
Encrypting and decrypting customer sensitive and confidential information
Paneling new agents and renewing existing agents
Assist with policies and procedures to ensure all relevant areas of agency management are covered and compliant
Experience in debt collection industry either with a credit provider or mercantile agent required
Disciplined, organised and good time management skills
Proven experience with working in a fast paced environment
Ability to work with and drive a high performing team
Effective written and verbal communication
Strong interpersonal skills with the ability to build strong working relationships with senior internal and external stakeholders
Strong PC skill across the Microsoft suite, particularly word and excel

O&t-icg-credit Operations Analyst Resume Examples & Samples

Reviewing of credit documentation and credit memos
Creation of mortgage documents including legal charges via legal counsel
Avail and authorize credit facilities
Registration of respective legal documentation
Verification of return of title deeds
Handling line cancellation or adjustment
Check and rectify unmatched transactions
Data verification and monitoring; and
Strong documentation and analysis skill with at least 2 years relevant experience preferred

Credit Operations Analyst Resume Examples & Samples

Good service attitude
Strong negotiation skills with ability to assess client's financial situation
Able to multitask and works well with minimal supervision
A teamplayer
Proactive, self-motivated, orgranized and has attention to details
Knowledge in MS Office - Excel and Word

Credit Operations Analyst Resume Examples & Samples

At least 3-5 years of relevant banking operational related working experience
High school diploma graduate preferred
Fluent in Cantonese, Mandarin and English
Good analytical skills and ability to make logical & objective assessment on fraud resolution
Able to react and respond to the ever-changing fraud trends and make decisions quickly to counteract the ever-changing fraud situation
Ability to evaluate issues and recommend cost effective solutions and proactively identify opportunities for continuous process improvements
Good writing skills to report case findings, assessment, conclusions and recommendations
Strong interpersonal, presentation and communication skills
Ability to deal confidently with all internal & external parties
Responsible, disciplined and committed to lead and motivate team to ensure an effective and efficient fraud operations

Rohq-crms-credit Operations Analyst Resume Examples & Samples

Organizational and time management (prioritization of tasks, multitasking, etc.)
Assertiveness/Positivity
Business writing skills
Analytical and adept in numbers

Credit Operations Intermediate Analyst Resume Examples & Samples

Matriculated or above or equivalent experience with good accounting and financial analysis skills
3 – 5 years of experience in Consumer/Commercial (including unsecured, secured & trade products) credit business
Proven credit analysis experience gained from a financial institution covering corporate client segment with in-depth knowledge in trade finance and structured credit
Proficient in Excel Spreadsheet and excellent skills in financial and credit risk analysis on corporate accounts
Good command of both spoken and written English
Must be able to work independently and under pressure
Willing to work overtime & shift duty
Reliable and self-disciplined
Good PC knowledge in Microsoft Word, Excel, etc
Team player with strong interpersonal skills

Credit Operations Intermediate Analyst Resume Examples & Samples

Matriculated or above with good accounting and financial analysis skills
3 to 5 years of experience in banking/finance institution or in Secured Loans Product (including Mortgage, Margin, Securities, and Finance Lending) credit business
Proven credit analysis experience gained from a financial institution covering personal and corporate client segment with in depth knowledge in Mortgage, Margin & Securities Backed Finance and structured credit
Proficient in Excel Spreadsheet and excellent skills in financial and credit risk analysis on personal/company accounts
Willing to work overtime

Senior Manager Credit Operations Resume Examples & Samples

Develop and maintain Risk Rating and reserving methodology policies, technical documents, and work-papers, and coordinate with counterparts in affiliates to implements one standard to consistently ensure accurate assessments of Bank assets and adequate loss reserves that comply with GAAP and regulatory requirements
Coach / lead affiliate Finance/Risk/Analytics teams to operationalize shared policies to ensure asset quality
Audit affiliate implementation and prepare review workpapers
Advise Risk function in all other policy, regulatory, reporting, and origination / account /portfolio management matters
Manage analytics, CRA Credit, and RE valuation functions
Bachelor's Degree with 8+ years experience in commercial banking
5 years experience as Examiner with Federal Reserve, FDIC or similar banking regulatory
Commercial lending/leasing experience, especially in portfolio analytics preferred
Experience in banking and or with audit firm, specifically with significant experience in preparation and accounting for loss reserves preferred
You must be able to satisfy the requirements of section 19 of the federal deposit insurance act
Bachelor's Degree in accounting, finance, business administration or equivalent
5+ Years experience with Fed Reserve or FDIC, preferably as EIC
8+ Experience in commercial banking and or auditing, especially in loss reserve preparation and accounting
MBA degree

Credit Operations Analyst Resume Examples & Samples

University degree in Surveying, Real Estate or related discipline with relevant professional qualification such as Member of the Hong Kong Institute of Surveyors, Royal Institution of Chartered Surveyors, and Australian Property Institute is preferable
Minimum of two years’ relevant experience in valuation and research in local property market is preferable
Good knowledge of local property market and relevant ordinances/regulations
Sound knowledge of application software, including Microsoft Excel
Ability to work independently, with good communication and interpersonal skills
Must pass the relevant Office Of The Chief Appraiser (OCA) tests

Operational Risk & Controls Manager Credit Operations Resume Examples & Samples

Manager’s Control Assessment (MCA) Coordination
Issue and Corrective Action Plan (CAP) Coordination
Assist in Audits, Reviews and Regulatory Examination Management
Assist in delivering ‘Deep Dive’ Reviews

Credit Operations Analyst Resume Examples & Samples

Very strong with documentation and analysis skill with at least 3 years relevant experience preferred
With passion of self-development and capable tomanage challenges
Degree holder preferred

Credit Operations Analyst Resume Examples & Samples

Strong documentation management experience with at least 2 years relevant experience preferred
Systematic and analysis skill in record management
Pleasant and able to work under pressure and multiple task
University graduation preferred

Director of Credit Operations Resume Examples & Samples

In conjunction with Consumer Banking leadership and Risk Management, develop and implement a Credit Operations strategy that seeks to achieve remarkable customer experience, optimise financial results and enhance employee engagement by engaging both onshore and offshore teams
Develop and implement Collections, Credit Acceptance and Fraud policies, procedures and delegations to ensure maximum efficiency and automation whilst ensuring adequate controls are in place to minimise delinquency and risk and meet all relevant Consumer Credit and regulatory standards
Agree and implement Risk and Sales/Marketing models and programs within Credit Operations
Develop and implement a robust offshore governance model for all internal and external third parties to ensure compliance with regulatory requirements and operational effectiveness
Develop and implement operational contingency plans including both onshore and offshore teams and partners
Drive transformation efforts towards creating a remarkable customer experience whilst optimising financial results and embedding a control and compliance based culture
Overall responsibility for resourcing and leading the Credit Operations functions including capacity models, incentive plans, detailed goal setting, identification of key performance trends and maintenance of policies and procedures
Establish and drive a strong engagement model with offshore partners and external agencies to maximise results and support delivery of the Credit Operations strategy
Maintain an up to date knowledge of industry and technical developments for Credit Acceptance, Collections and Fraud, identifying and implementing improvements where appropriate
Proactively identify and implement initiatives that support business growth within acceptable risk parameters and compliance standards
Significant experience within Consumer Operations within the financial services industry with demonstrated success driving operational excellence across a diverse team
Strong knowledge of financial products and services and financial markets
Detailed knowledge of relevant Citi products, systems and processes an advantage
Proven ability to leverage technology and automated solutions
Extensive business and industry knowledge of credit and risk
Strong understanding of the Consumer credit cycle
Experience in operating internationally across large, highly matrixed organisations
Experience in leading large teams both onshore and offshore

Cbps Credit Operations Analyst Resume Examples & Samples

Demonstrate an advanced level of credit approvals specific ‘operational’ & general product knowledge with regard to Citibank ‘card’ & Ready Credit products
Ability to interpret financial statements, e.g., P&L
Excellent communications skills – written and verbal
PC literate with working knowledge of Microsoft Word and Excel; working knowledge of Microsoft Access highly desirable
Show insight into the motivations and needs of others; facilitate team collaboration within and across business units
Ability to manage time/conflicting priorities so as to maximise productivity in a multi function high volume operational environment
Must be adaptable to change and seek opportunities to improve process
Flexible working hours are a feature of this position; normal work hours may be between 0700 - 2300 Monday - Friday

Credit Operations Manager Resume Examples & Samples

Strong business sense, with the ability to balance effectiveness and efficiency trade-off in an operations environment to support business growth; change agent
Adept at developing and maintaining productive cross-functional working relationships; prior matrix management responsibility
Sound appreciation of cultural challenges in working with a geographically diverse regional team

Credit Operations Group Manager Resume Examples & Samples

Strong analytical and problem solving skills - proven ability to leverage technology and automated solutions
Exceptional interpersonal and communication (verbal, written) skills that motivate direct and indirect work groups
Highly developed leadership and people management skills

Credit Operations Resume Examples & Samples

Produce all credit related documentation in partnership with the Legal department
Manage the credit documentation process end to end, in partnership with other teams
Work with internal & external legal teams and valuation agents as required
Liaise with Credit Advisors, Credit Underwriters and Legal teams on documentation requirements and validation
Prepare required supporting legal and credit documentation in accordance with the standard templates provided by the legal department
Documents include, among others, the credit facility agreement, the deed of pledge and the guarantee
Maintaining accurate data in the Documentation Tracking System and the loan origination system
Responsible for tracking the status of documents and resolving exceptions
Responsible for checking accuracy of documents received
Responsible for the scanning and filing of all documents received
Develop an in-depth understanding of the PB credit documentation and business
Understand and ensure adherence to and compliance with JPMorgan policies and regulatory requirements
University graduate with some basic experience in dealing with client credit documents
Knowledge of credit documentation and regulation is a plus
Experience within a financial institution
Excellent interpersonal skills with an ability to communicate at all levels
Strong organisational skills and strong attention to detail
Ability to work independently, self motivated with ability to prioritize work and meet tight deadlines
Familiarity with credit and lending products
Knowledge of credit products in European countries is a plus
Foreign language is a plus (French, Italian, Spanish)
Ability to suggest improvements and engineer process changes
Strong Word, Excel and Access skills an advantage
Control and Risk mitigation mind-set

Credit Operations Analyst Resume Examples & Samples

Solid knowledge and understanding of the Central Bank regulations with regard to the credit processes (254-P, 283-P)
Excellent skills to keep correspondence with regulatory bodies
Experience related to the coordination of loan loss provisioning process
Economic background and financial analysis practice
Good understanding of bank processes and products

Credit Operations Analyst Resume Examples & Samples

He/she reviews and actions daily/weekly/monthly exception reports after the capture of outstanding balances from branch loan accounting systems
Liaises with branch personnel and credit officers to resolve problematic situations relating to the mapping of outstanding data to authorized credits
Enters on the repository front end application, corrections to resolve out of balance situations, errors in mapping outstanding data to authorizations and overruns; and
Reconciles transactions to the Bank’s balance sheet
Identifies and actions other issues related to invalid data such as invalid SIC codes, IG codes, country codes coming in on data feeds
Post-secondary education in Accounting, Finance, Business (good grasp of accounting to ensure outstanding data is balanced to the General Ledger)
Strong analytical skills is the key requirement
Comfortable working with Data and Databases
Any experience with SQL is a huge asset
Knowledge of credit and credit products is an asset
Strong and clear communication skills

Credit Operations Analyst Resume Examples & Samples

Very strongwith documentation and analysis skill with at least 3 years of relevant experience is preferred
Good command of English and Mandarin, both written and oral
With a sense of observation to sensitive data
Degree holder is preferred

Cbps-credit Operations Analyst Resume Examples & Samples

Ability to interpret financial statements, e.g. P&L
Superior problem resolution skills with the ability to make sound and justified decisions
Proven ability to work without supervision, use initiative and work proactively
PC literate with working knowledge of Microsoft Word and Excel. Working knowledge of Microsoft Access is highly desirable
Dedication to work toward and meet objectives both as an individual and as part of a highly committed team
Show insight into the motivations and needs of others. Facilitate team collaboration within and across business units
Flexible working hours are a feature of this position. Normal work hours may be between 0700 - 2300 Monday - Friday
Must have AU Verification background

Associate Credit Operations Analyst Resume Examples & Samples

Experience with Microsoft Office Programs
Strong Organizational and time management skills
Problem Solving and Analytical abilities
Associate’s Degree at a minimum; Bachelor’s Degree preferred

Senior Manager Regional Credit Operations Resume Examples & Samples

Ensure the achievement of team business objectives and Dealer Experience goals through coaching and training
Develop and maintain strong and effective working relationships with internal partners for the purposes of delivering optimal customer service while actively balancing and managing risk
Lead and manage the day-to-day functions of the Regional TDAF Credit Operations team to ensure that loan portfolios are originated within the risk appetite of TDAF and TDBG
Authorize credit within designated limits and act as an escalation point resolving more complex credit issues
Direct Leadership of approximately 60 FTE within Nanaimo Credit Operations including day to day performance management, coaching, and personal development
Act as the senior leader of the Nanaimo operations centre by working collaboratively with Department Managers and other Business Leaders to ensure consistent messaging, service standards and maintenance of overall morale
Participate in the negotiation and resolution of escalated issues while maintaining strong collaborative relationships
Monitor assigned functional area for productivity and efficiency to continually improve delivery capability
Create and foster a cohesive team and promote a positive work environment for all TDAF employees in Nanaimo
Manage operational effectiveness against established performance objectives to ensure business objectives and service level agreements are met
Facilitate quality service with every customer (dealer) interaction to demonstrate TD Auto Finance’s commitment to putting the customer first and effectively support our dealer relationships
Participate and periodically lead national initiatives to deliver process improvements, change management, training, etc
Deliver results through influence and engagement while using sound judgement at all times
Promote and support the organization's commitment to corporate responsibility, diversity and the communities in which we live and work
Accountable for all aspects of people management including quarterly and annual performance appraisals, recruitment, training, career development and performance management
Responsible to develop and manage the annual business plan, expense budget and FTE plan for the cost centre
Passionately lead and nurture a culture of continuous improvement and engagement among the employees
Lead process of establishing performance objectives and track, monitor and effectively address and/or reward performance in a timely manner
Participate in Credit Audits and Credit Quality Reviews and deliver against any remediation efforts to address gaps identified
Support an environment where team members freely escalate performance and operational challenges
Ensure ongoing training and development of staff to meet department objectives for service and productivity
Promote and motivate managers and employees to participate in reward and recognition programs throughout the year
Proven people management and coaching skills with a well-earned reputation for fostering cohesive teams and promoting a positive and productive work environment
Comprehensive knowledge and experience with consumer credit lending and risk principles
Proven ability and brand for managing the balance between risk and customer experience
Excellent leadership and communication skills required to coach a large group of Credit Analysts and Team Managers
Demonstrated negotiation and problem-resolution skills
Proven relationship management and collaboration skills with business partners
Individual who can work well independently and within a team
Strong analytical and problem solving skills and capacity for effective work flow, organization and planning

Credit Operations Manager Resume Examples & Samples

Create and drive the operating plan
Manage the credit management process
Work closely with various teams across the business
Manage the large credit team to ensure cash is brought in on time
Experience in a similar role and have gained solid credit management experience
Strong B2B credit experience
Ability to business partner with various key stakeholders and work well under pressure

Credit & Operations Manager Resume Examples & Samples

Create and drive the strategic operating plan
Manage the credit process and seek opportunities for improvement
Work closely with teams across the business in regards to Credit Management
Prior experience in a Credit Manager role, managing a large team
B2B Credit experience is desirable
Demonstrable interpersonal and relationship management skills

Intermediate Associate Credit Operations Analyst Resume Examples & Samples

New Credit Origination and Booking; Portfolio Monitoring/Management /Data Quality Control; Process customer loan servicing requests, including advances, paydowns and maintenance
Makes a place of business call with significant clients to obtain financial statements, tax returns, a/c receivable aging
Works directly with owners, executives, and corporate officers of client companies
Interfaces with RM who will complete thorough analysis with additional data from customer financials statements, aging, etc
Prioritizes and processes incoming credit requests and reviews for accuracy and completeness; interprets them to convert to concise and accurate credit facilities
Customer facing throughout the credit origination process in participating in Place of Business calls with RM, independently obtain financials from client, interacting with client with any questions on due diligence and financial data
Monitors and coordinates the timely clearing of all pre-closing requirements, including conditions precedent, Basel collateral reporting requirements and documentation
Ensures collateral is secured. (stocks pledged, cash collateralized accounts blocked)
Provides consultative support for syndications and participations with multiple lending institutions
Facilitate and execute proper set up of soft credit exposure including automated clearing house (ACH) and fed fund check clearing
Facilitate and execute proper set up of Foreign Exchange and interest rate swaps (derivatives).facilitates execution and provides guidance toother job families in the execution phase
Analyze and reviews information obtained from the Credit Approval Process and loan documentation for accuracy, completeness and quality
Analyze and reviews credit approval summary to assess required documents and coordinates internal documentation preparation and external documentation via outside counsel. - Elevates discrepancies to RM and ensures adequate exception approvals obtained, if applicable
Coordinates and participates development of loan documentation with outside counsel
Prepares booking worksheet data for Loan Operations and ensures transaction terms and structure including Basel II requirements are accurately reflected in core loan system (AFS)
Complete and approve administrative credit approval summary
Monitors availability for borrowing base facilities and loan compliance to ensure proper disposition of availment requests. Proactively quotes rates to customers for LIBOR borrowings as outlined in credit agreement and independently processes via operations
Monitors intra-day and end-of-day exposure against limits where relevant (e.g. ACH), prioritizes exceptions detected and escalates as needed
Analyzes and monitors covenants and reporting requirements (ex. accounts receivables aging, inventory reports and tax returns)
Audit Support: Performs independent, periodic RCSA testing
Ensures Know Your Customer and Electronic Customer Acquisition Due Diligence requirements are in place for Anti-Money Laundering reviews
Advises on credit policy, procedures, credit systems, and loan documentation requirements
Works with product partners to develop and enhance current product base
Serves as acting manager when manager is unavailable
6-10 Years Financial/Banking Industry Experience

Senior Director, Credit Operations Resume Examples & Samples

Develop new shared service for Risk Assessment Frameworks
Create team of 10 – 15 FTE via migration of existing FTE and new hires, led by one Senior Manager
Establish appropriate levels, reporting structure, training, metrics, and work flow management processes
Process and Applications Management (incl. Reporting)
Oversee a team (up to 4), led by Director, Credit Process and Applications Management, with responsibility for
Maintenance and enhancement of existing GRM-Credit processes and applications
Development of new processes, solutions, and applications within GRM-Credit as required for continuous improvement including regulatory or audit requirements
Manage implementation of new or updated processes and applications
Provide ongoing GRM-Credit reporting as necessary
Serve as a primary contact with executive IT management with respect to ongoing process management initiatives
Foster executive level relationships with Business Unit heads to facilitate cross-functional projects and requirements gathering, as required
Serve as a leader in GRM-Credit’s relationship with the GRM Program Management Office
Responsible for access control, review and renewal of external vendor contracts
Lead, participate or coordinate regular group-wide Credit Process training sessions with risk managers or external groups/agencies
Act as Secretary for Risk Ratings Committee
Lead Business Continuity Planning, Business Impact Analysis and Call Tree testing
Data Steward
Serve as Data Steward, for GRM-Credit applications and shared folders
Assist with the compliance of BCBS Principle 239 from a risk data
Maintain and control of data integrity generated and consumed by GRM-Credit
Credit Policy & Criteria Paper Management
Maintain and update Credit Policies and Procedures
Lead or participate in documentation of new Credit Policies and Procedures in association with Enterprise Risk Policy
Manage formal rolling process of criteria paper review
Manager ad hoc and interim changes to criteria papers
Ensure implementation of criteria paper changes with existing processes and applications

Credit Operations Analyst Resume Examples & Samples

Candidate must possess at least diploma with 2 year working experience, advanced/higher/graduate diploma, bachelor's degree or post graduate diploma
Fresh graduates/entry level applicants are encouraged to apply
Preferable knowledge with Programming languages - Microsoft Excel, VBA and SAS are an added advantage
Able to work long working hours
Available immediately

Credit Operations Specialist Resume Examples & Samples

Use bank loan system (Eclips and Exposure Now) to research loan balances, and principal and interest payments. Issue Default Deficiency Memo when covenant out of compliance, or there is a borrowing base or marketable securities deficiency
Interact with the Underwriter, Banker, Credit Support Sr Specialist or Supervisor to resolve issues or concerns
May act in advisory role for market on loan agreement/covenant clarification. Perform monitoring file maintenance
Edit and audit work performed in the unit; ensure errors are corrected
Prepare reports on a routine, request, or ad-hoc basis
Various team responsibilities including performing work of backup Credit Support Specialist
Bachelor’s degree in accounting or other business specialty with minimum 6 hours accounting strongly preferred (minimum G.P.A. 3.0/4.0 strongly preferred); or, equivalent work experience in financial industry (typically 6+ years)
Knowledge of financial documents including financial statements, accounts receivable reports, inventory, etc. with ability to identify inadequacies and irregularities
Knowledge of policies, procedures, regulations with emphasis on standard covenant structure and borrowing base calculation
Knowledge of specific loan types and various Bank systems (CLASS, Dealworks, Risk Analyst, Eclips and Exposure Now.)
Working knowledge of PC and Windows-based applications
Must demonstrate high level of accuracy and productivity. Must demonstrate exceptional organizational ability and be a quick learner

Credit Operations Manager Resume Examples & Samples

With working experience in related field i.e. appraisal company
Must be prudent, logical and analytical, good attention to details
Independent, self-motivated, upright personality, to be a team player, and hard worker
Good English reading and written skill

Cbna-o&t-credit Operations Control Manager Resume Examples & Samples

Manager’s Control Assessment (MCA) and Quality Assurance Framework (QAF)
Manage CI and Collections MCA and QAF programs by ensuring that they are updated as necessary, controls are tested per required frequency, root cause analysis is done for issues/gaps detected and issues are raised in iCAP as necessary
Discuss test results with Unit Heads and Credit Ops Director and prepare Summary of Issues
Monitor and track that all gaps/issues identified are resolved/closed on time
Perform gap analysis for new/revised requirements (MCA Gold, Citi, legal, regulatory and other requirements)
Work with stakeholders to provide recommendations/enhancements to ensure that the MCA program adequately address and mitigate inherent and emerging risk
Communicate to all stakeholders change requirements to ensure alignment

CCB Credit Operations Analyst Resume Examples & Samples

Own daily and monthly reconciliation of data furnished to CRAs and business repositories
Analyze CRA and business repository data furnishing quality and own root cause analysis of those trades/loans rejected or transformed
Compile monthly CCB CRA data finishing statistics for business furnishing from both internal and external resources
Develop pre-furnishing quality check queries for business card and business banking
1+ year credit industry experience in a credit bureau relationship environment
Demonstrated ability to design and conduct data analysis that yields actionable business insights and ability to package and present key business insight in formal executive presentations
Prior work experience with SAS a plus

Associate Credit Operations Analyst Resume Examples & Samples

New Credit Origination, specializing in complex credit relationships
Supports business in new credit origination: - Independently pulls due diligence reports as necessary ( D&B, TRW, Lit & Lien Search, CPA Check, UCC Searches)
Review reports for credit worthiness by reviewing credit scores on personal TRW's, analyzing any litigation or liens outstanding on properties, reviewing UCC lien reports and amendments to determine if Citi would be in line for first lien on assets
Works independently with client to answer any questions on due diligence report and financial statements before supplying RM with data
Performs OFAC checks on clients and facilitates Reg B checks to ensure all risk is reviewed and regulations are adhered to
Performs independent analysis on high net worth clients and recommends if customer is initially credit worthy based on due diligence findings
Analyzes if any risks associated with lending to the client are worth while from cursory review
Initiates and coordinates the set-up of customer and transaction data in the appropriate credit systems, including but not limited to customer identification and Know Your Customer policies, collateral assessment, facilities structure and documentation requirements, specializing in complex credit relationships and specialized industries
Manages vendor support such as Title companies, attorneys, CPA's and appraisers etc
Involves engaging Field Examiners, coordinating appraisal and environmental reviews with REEO and the customer, Coordinate Flood Insurance docs from customer and broker, works directly with attorneys in preparation of documents
Facilitate and execute proper set up of soft credit exposure including automated clearing house
Facilitate and execute proper set up of Trade Credit Products including but not limited to Commercial and Standby Letters of Credit etc
Performs covenant and portfolio monitoring to ensure that complex loan portfolios are accurate and that needed actions are taken in a timely manner
Performs data integrity reviews and initiate necessary corrective actions
Proactively coordinates with Risk Management, Finance, and Operations to ensure that reporting requirements are met and loan maintenance requests are completed accurately
Analyze final loan documentation to ensure it is consistent with credit approvals and that conditions precedent have been satisfied
Secures collateral, monitors collateral adequacy, and notifies Relationship Manager if escalation with the customer is warranted
Builds and maintains credit files and other documentation required by credit risk policy
Serves as primary contact for complex Customers requesting credit advances and pay downs on approved credit facilities. Monitors credit availability, independently approves requests, and coordinates disbursements with Loan Operations
Independently reviews and approves overdrafts on a daily basis up to one million dollars and solicits approves where additional credit authority is required for that transaction
Reviews credit worthiness for existing clients and credit facilities in a relationship (reference new credit origination process above), with expertise in complex credits and significant relationships
Facilitates internal and external audits such as ARR and peer reviews
Contributes to achievement of acceptable audit ratings
Provides senior subject matter expertise to Relationship Managers, Product Managers, and Portfolio Managers
Seek and disseminate to share and train best practices with peers and colleagues when appropriate
Responsible for completion of Risk initiatives on behalf of the Relationship Managers that are being implemented by the Business
Lead and represent the overall team on credit projects and initiatives

Cbna-o&t-credit Operations Analyst Resume Examples & Samples

Strong computer skills with advance knowledge in MS Office
Strong analytical skills and logical reasoning
Goal oriented, self starter, hard working, process oriented

Credit Operations Analyst Resume Examples & Samples

Bachelor degree in accounting preferred
Prior business credit experience preferred. Bachelor degree in business, finance, or economics is acceptable
Credit underwriting experience is a plus
Excellent verbal and written communication skills, strong analytical, interpersonal skills and judgment skills
Should possess a good knowledge of bank systems and loan/credit operations
Results oriented team player with a high level of proficiency in organizing, priority-setting and issues management a must

Credit Operations Analyst Resume Examples & Samples

University graduate preferably with Master degree
At least 5 years of working experience
Solid experience in Credit Operation in consumer banks preferably in ML/UPL /Credit Card
Strong analytical skills and proficiency in quantitative methodologies
Good understanding of bank systems
Able to work under pressure. Ability to manage multiple projects, problems and ambiguity and also manage situations caused by non controllable factor

Credit Operations Analyst Resume Examples & Samples

Proven ability to spread business financial statements/tax returns, perform ratio analysis, complete risk assessment and make sound credit decisions and recommendations via written and verbal presentations
Experience in supporting recommendations when challenged and in negotiating counteroffers, where appropriate
Knowledge of credit/lending transactions and analytical skill sufficient to enable independent underwriting of commercial requests for lines of moderate size and complexity
Proven ability to communicate verbally and in writing with internal and external customers and with various levels of management
Flexibility in adapting to changing volumes and areas of focus (new applications versus portfolio reviews versus initiation of collections, etc.)
Ability to investigate, recommend and initiate process improvements

Cbna-o&t-intern for Credit Operations Resume Examples & Samples

Will help MIS team in supporting projects and initiatives lined up for the year
Will be asked to update system parameters and update SAS programs
SAS programming capability, strong computer skills

Cbna-o&t-credit Operations Analyst Resume Examples & Samples

Initiate call out to the customers to confirm and validate details that will ensure timely completion of applications
Maintain and report meaningful MIS to ensure optimum departmental efficiency and accuracy
Develop and maintain beneficial working relationships with customers by ensuring that interactions with them are pleasant at all times
Demonstrates patience and willingness to assist during customer engagement and is adept and knowledgeable in Sales leveraging process
Taking responsibility for managing own performance by actively seeking development and feedback, and providing constructive feedback to others
Taking prompt action to accomplish objectives
Taking action to achieve goals beyond what is required
Actively participating as a member of a team to move the team towards meeting it's goals; helping other team members as required
Supports and adheres to compliance policies, requirements, and expectations
Adapts to changing circumstances; tolerates ambiguity; accepts new ideas and change initiatives; adapts interpersonal style to suit different people or situation
Strong customer-service orientation
Advanced knowledge of MS Office
Problem solving and analysis – demonstrate an ability to act appropriately on problems and analyze cause and effect
High tolerance for stress
Exudes a positive, “can and will do” attitude
Strong work standards and work ethics
Has good customer service orientation and can think out of the box
Flexible to working overtime or weekends and holidays, if required by the business
Able to adapt to changes in policies and procedures
Knowledge in credit operations
Tech Savvy
Advanced problem resolution and analytical skills
Strong communication skills, both written and verbal

MYS Ctsm Jb-credit Operations Specialist Resume Examples & Samples

Candidate must possess at least a diploma, advanced/higher/graduate diploma
Bachelor's degree, post graduate diploma or professional degree in any field
Possess strong command of the English language, both verbal and written

Cbna-o&t-intern for Credit Operations Resume Examples & Samples

Strong people skills
Ability to balance and resolve multiple and quite often conflicting objectives
Ability to work under pressure and solve problems in an expedient manner

CCB Credit Operations Analyst Resume Examples & Samples

Lead team interaction with CRA and business repositories with respect to all furnishing data quality, integrity and reporting
Manage daily and monthly reconciliation of data furnished to CRAs and business repositories
Compile monthly CCB CRA data finishing statistics from both internal and external resources
Develop pre and post furnishing quality check queries
BS/BA
5+ year credit industry experience
1+ experience in a credit bureau relationship or credit furnishing environment
Possess strong leadership and interpersonal skills for communicating with various levels of the organization and external partners

Credit Operations Manager Resume Examples & Samples

Collaborate with region management and HR to ensure personnel policies are adhered to, participate in personnel decisions involving employees, including: performance appraisals, development plans, promotions, salary actions recommendations and terminations
Perform other special duties or assignments as requested or required
Requires a minimum of 10+ years of related customer service, operations, sales or sales management experience, preferably in Business Banking or Branch Banking
Must have strong leadership and management abilities; must be able to think strategically
Requires keen understanding of the financial and banking industries, including working knowledge of the key areas of the bank (i.e. Business Banking, Retail Bank, Credit, TS, CB)
Extensive knowledge of deposit, treasury and credit products, payment services and regulations, and related procedures
Thorough knowledge of financial exposure and operational risk associated with bank products and services
Disciplined approach to managing and acting upon key reports and audits
Refined professional presentation skills and face to face client servicing background

Credit Operations Specialist Resume Examples & Samples

Prior work experience in a related job that would provide a basic knowledge activities, policies, and procedures of the work area
Knowledge of Microsoft applications (Excel)
Prior experience in multiple Credit functions preferred
Effectively handles completing priorities
Ability to navigate through multiple systems and multi-task
Ability to work independently while producing quality work in a timely manner
Demonstrated attention to detail and follow through
Ability to work under conditions with deadlines
Strong process and procedural knowledge within Commercial Credit
Understanding of Federal and Regulatory Policies

Credit Operations Head Resume Examples & Samples

Provide Collections (both pre and post write-off), Credit Initiation and Fraud Operations services for different business units in Citibank which include CPP (credit cards and ready credit), Retail Banking and Secured Finance Solutions (mortgages, auto and equity loans)
Direct, together with Risk Management, the formulation and implementation of sound credit and collections policies in order to increase Consumer’s revenues and customer base
Drive automation initiatives and straight through processing to enhance customer experience
Accountable for setting and attaining department’s business goals and metrics through the development of strategies that meet the established objectives defined by the Consumer Bank’s business plan
Interact and communicate with all levels of management in terms of capacity planning, policy definition, customer service, systems and process enhancement
Select and monitor all services provided by third-party vendors (i.e., collections and credit agencies and legal attorneys, etc.), ensuring high standards of service, cost savings and compliance with Citigroup’s Vendor Management policy, also provide oversight for offshored activities
Develop, interpret and maintain effective controls that allow compliance with local and standards and statutory requirements minimizing operational risk (i.e. MCA, COB and GCCFRP)
Develop and manage operating budget for assigned areas
Design and monitor incentive plans that allow sustainable productivity and efficiency levels
Participate in the design, planning and implementation of various projects as appropriate
Bachelor’s degree in Business, Economics or similar fields
A minimum of 10 years relevant experience preferably across one or more areas - Collections, Credit Initiation and Fraud Control
Understands how own function integrates within the overall organization to contribute to achieving business objectives; requires a good working knowledge of the industry, local regulations and laws
Results oriented, ability to balance multiple prerogatives related to losses, expenses, people and productivity

Head of Credit Operations Resume Examples & Samples

Maintain Regulatory Compliance, Embed superior Process Standards and Controls, Protect Client’s and Firm’s confidentiality
Work with Risk management and facilitate in framing and implementation of policies across Credit Ops functions
Client excellence - Create service culture and values that puts the client first in all points and ensures a positive customer experience
Reviews and Audits – Work with Risk Management, Compliance and operations to ensure compliance to all regulations , Country and global policies and pass all the reviews and audits
Development, Implementation and Execution of Credit, Collections and Fraud Control strategy and facilitating changes as per the requirement
Develop and Implement a process of Self Assessment to keep maintain highest standards of quality in processing and adherence to all the applicable policies
Maintain an understanding of technological developments for Credit Operations, working closely with Technology and Project managers involved in Collections related activity
Meet Overall Expense, Efficiency, and Net Credit Loss targets
Develop and implement appropriate Credit Policies, Collection Strategies and Fraud Control mechanisms for consumer credit products partnering with Risk Management and ensure maximum accuracy and compliance in execution of Credit and Collections Processes
Ensure compliance to the code of conduct and any other internal or regulatory guidelines to manage the Credit and Collections Process
Hire, train, manage, motivate and develop staff, including the implementation of effective backup and succession plans
Ensure staffs are providing timely, accurate, and professional responses to customer enquiries, in compliance with quality, policy and regulatory guidelines. Conduct quality reviews. Manage the unit in accordance with Citibank values, focusing on instilling a quality ethic and insisting on integrity in all interactions
Have a detailed knowledge of relevant Citibank products, systems and processes
Develop a capacity plan model for the Unit to enable forward planning of workloads. In association with relevant controls, bring an innovative approach to the scheduling and staffing of the unit
Keep abreast of new technological advances and review and recommend any possible upgrades and changes to systems currently employed
Manage controllable costs in line with business plan and forecasts
Recruit and Manage external vendor arrangements as and when required
Manage infrastructure requirements, including Continuity of Business (COB) Plan

Mbna Credit Operations Resume Examples & Samples

Business Intelligence
Research; gap and trend analysis
Organizational Intelligence
Impact and Influence

Director, Credit Operations, Card Services Resume Examples & Samples

Develop, expand and manage the Credit Operations Program
Use extensive industry knowledge and intelligence to recommend areas for focused improvement initiatives
Collaborate closely with technology, product, client relations, and other operational teams to ensure alignment on client growth initiatives
Establish key reporting and program analysis criteria and lead development/implementation of required toolsets when necessary
Plan and conduct assignments involving large projects/resources
Oversee progress of the project goals and the outcomes of others; evaluate results. Has full responsibility for projects and outcomes and leads/directs the credit operations strategy
Act in a liaison capacity with other departments, divisions & organizations, with requirement to influence and collaborate effectively
Operates with latitude for un-reviewed action or decision
Work to create and maintain high level of associate engagement
10+ years’ experience in financial services and card / payment solutions
Previous experience in electronic funds transfer (EFT) industry
Previous experience in banking operations preferred
Ability to manage, influence through persuasion, negotiation, and consensus building at all levels within the organization and all types of situations
Analytical and process-oriented mindset with the ability to handle large data sets and fairly complex analysis
Excellent problem-solving and research skills
Possesses and applies comprehensive knowledge of field
Well-developed leadership qualities
Self-motivated, results-oriented and strategic thinker
Excellent written/verbal communication, presentation and time management skills
Proficient PC skills (MS Office – Word, Outlook, Excel, PowerPoint

Credit Operations Division Leader Resume Examples & Samples

Customer focused individual with expert knowledge of credit products and processes. Strong organizational, analytical, communication and interpersonal skills. Proven leadership abilities. Extensive knowledge of credit philosophy, Risk Guidelines, and policies. Thorough understanding of commercial credit structures, loan documentation, bankruptcy and related legal issues
Bachelor’s degree required, preferably in business with Accounting and Finance courses. Twelve (12) years commercial/business lending experience. 3-5 years Managerial/Supervisory experience
Understanding of commercial credit structure, loan documentation, bankruptcy and related issues. Able to assess and articulate risk associated with requested exceptions to established credit policies and procedures
Experience in working with multiple virtual teams to drive initiatives
Strong execution track record and managing change. Experience in process migration, an advantage
Demonstrated strong leadership with proven ability to build professional teams

Credit Operations Specialist Resume Examples & Samples

Strong verbal communication skills. Proficient Data Entry skills
Strong, creative problem solving and decision making ability
Income/document review experience
Successfully address an expansive set of customer and Private Banker inquiries and issues
Overcome Customer and Private Banker objections
Strong Customer rapport building and listening skills
Use tools to perform assessments or validate information related to determining the ability of individuals, companies and institutions to meet the demands of purchases, agreements, loans, projects or any other extended obligations
Phone Center servicing 2+ years preferred
High School Diploma, GED or relevant experience required

O&t-credit Operations Analyst Resume Examples & Samples

University graduate with minimum 3-5 years' working experience in consumer lending business
Experience in credit analysis from a financial institution covering unsecured lending products for consumer is preferable
Self-initiative and good problem solving skills
Strong sense of compliance awareness

Credit Operations Head Resume Examples & Samples

Provide credit initiation, collections and fraud for different business units in China which include: secured and unsecured loans and credit card products
Direct, together with Risk Management, the formulation and implementation of sound credit control and collections policies in order to optimize Consumer biz’s revenues and customer base within acceptable risk level
Accountable for setting and attaining department’s business goals and metrics, through the development of strategies that meet the established objectives defined by the Consumer’s business plan
Select and monitor all services provided by third-party vendors, (i.e., collections and credit agencies and legal attorneys, etc.), ensuring high standards of service, cost savings and compliance with Citigroup’s Vendor Management policy
Develop, interpret and maintain effective controls that allow compliance with local and U.S. standards and statutory requirements, minimizing operational risk (i.e., RCSA, COB and GCCFRP)
Design and monitor incentive plans that allow sustainable productivity levels
Coach and source direct staff, identifying high-potentials and establishing succession plans to ensure business continuity
Work closely with Operations & Technology team in deploying the right technology solutions for credit operations process

Credit Operations Analyst Resume Examples & Samples

2+ years of comparable work experience
Bachelors' Degree in a related field
Previous experience with Bank Debt, CDS, Fixed Income, and Loans
Background using systems, such as: Omgeo, Eze Castle OMS ,Bloomberg, Icelink, Marketwire, DTCC and WSOB
Knowledge of Derivative Clearing

VP-credit Operations Resume Examples & Samples

Oversee the Know Your Customer Process, to include standard, specialized and enhanced due diligence
Decision Merchant Credit Applications to quantify risk associated with varying business models consistent with the company's risk appetite
Maximize return on investment through the structuring of approvals based on the merits of a credit profile and associated risk
Analyze business models and applicant compliance with Payment Brand Rules
Participate in multiple projects to help the continued support of regulatory requirements and system enhancements
Bolster departmental controls to minimize compliance risk
Design and retool operational processes to promote a positive customer experience
Work with high profile customers at an executive level to negotiate the structure of approved deals
Maintain a quality control program to ensure standard operating procedures are followed
Provide consult and guidance to internal and external clients
Hire and train existing staff to promote continued growth of skills and career development
5 TO 10 years commercial credit management experience
10+ years management history with a proven record of driving results
Bachelors degree in finance, accounting or related field of study
Ability to compile advanced level credit reviews
Ability to manage multiple activities and projects in a fast paced environment
Proficient negotiation skills
Strong credit background and analytical skills - demonstrates a solid grasp of accounting and corporate finance
Strong communication skills - able to partner with internal groups and interface with high profile external clients
Experience with the creating and maintenance of a control environment with a previous experience in a regulated industry
Payments experience is a plus

O&t-credit Operations Analyst Resume Examples & Samples

Minimum 3-5 years experience in consumer lending business for handling unsecured products
Self-initiative, good communication/interpersonal and problem solving skills, ability to motivate others, and strong sense of compliance awareness
Experience in credit analysis from a financial institution covering unsecured lending products for consumer is preferrable

Credit Operations Manager Resume Examples & Samples

Collections Management - Independently manage collections and cash applications for assigned portfolio providing support, direction and leadership. Drive improvements in collections portfolio to achieve set overdue and cash targets. Ensure prudent and necessary business decisions to manage risk and facilitate collections. Address customer payment issues and leverage the Business Engagement team to assist
Business Process Excellence - Leverage the WW Credit Services Business Process Outsourcer (BPO) to achieve agreed performance metrics. This requires the individual to partner with the BPO and BPO Manager to ensure execution and delivery of goals
Controls, Compliance & Accounting - Accountability for Control and Compliance for all processes for which assigned: Credit Holds, Rebate Deductions, Credit Term Extensions, Payment Plans, Write-offs, etc
Cross-Boundary Collaboration - Participate in projects and drive engagement with peers in the WW Credit Services organization
3-5 years of related Collections experience supporting the Latin America region
Must be bilingual in English and Spanish
In depth working knowledge of the Latin American market
Excellent leadership, interpersonal and organizational skills. Must be able to communicate effectively, work well in a team environment, negotiate with and influence others, and creatively solve problems
Demonstrated ability to enable the success of others
Must be able to work cross boundaries and influence key decision makers. The candidate must be able to see and maintain the big picture, identifying and evaluating opportunities for cross-group win-win collaboration
Knowledge of Portuguese is preferable
Expert knowledge of Collections processes and procedures
Ability to thrive in an environment of working towards ambitious goals and targets and be held accountable
Strong negotiating and influencing skills required

Opcr-credit Operations Specialist Resume Examples & Samples

Strong knowledge of Banking Industry business structures a must, prior Auto Servicing experience desirable
Must be willing to work in a fast-paced, heavy volume environment , volume fluctuates
Ability to manage multiple priorities and meet strict deadlines
Must have excellent attendance
Must be highly adaptable to change
Ability to multi-task: typing while reading, viewing multiple screens and systems, keeping up to date with new procedures and tracking all items processed
Must have the ability to apply effective deduction skills
Must have strong problem solving and decision making skills
Must have strong research and analytical skills
May require 10-key and/or data entry testing

New Account Lending Credit Operations Specialist October rd Resume Examples & Samples

Make judgmental credit decisions based on your training, departmental standards, and quality standards
Minimum of 3 years consumer and business credit card lending experience preferred
Superior communication skills required; must be comfortable working in an environment with 100% phone-based customer interaction
Open to change, ability to quickly learn new processes and adapt in a fast paced-environment
Bachelor's degree preferred (a plus in business, finance or accounting)
Approach customer situations logically and with good judgment to ensure appropriate outcomes for our customers and the company
Detail oriented, critical thinker, and dedicated to accuracy
Fluent in Windows Operating Systems and Microsoft Office tools

Regional SME Credit Operations / SVP Resume Examples & Samples

Formulate regional credit initiation and collections strategy in consultation with risk and business partners covering turnaround times, expenses and unit costs and function scalability
Ensure consistent delivery of customer focused services. Ensure Vital Few standards on application delivery are consistently met across EMEA
Benchmark external and internal metrics on productivity and effectiveness and initiate country specific actions to improve overall performance
Actively success transfer knowledge transfer across businesses/regions
Establish and deliver strong processes to achieve business goals of high audit/self assessment ratings
Exercise control over budget, policy formulation and planning
Ability to evaluate Operations collection industry future directions and relate to future architecture needs and projects constituents or stakeholders
Develop and implement an appropriate variable compensation plan
Maintain Credit Operations as source of talent for the internal organizations, building career path and attracting internal and external resources
10 + years of Credit operations/Collections/Operations experience
Ability to conceptualize and deliver a high-quality process and appreciation of Unit cost and productivity
Incumbent must have a sound understanding of Financial Services, and a good grasp of the profitability dynamics of a retail bank/financial services organization
Demonstrated strong understanding of the credit life cycle
Strong analytical skills in addition to strategic and lateral thought process
Strong influencing capability with peers and seniors
Excellent communication skills with strong oral and written/presentations skills

Credit Operations Manager Resume Examples & Samples

Leading and assisting in the implementation of global, regional and country compliance and AML policy requirements and processes including the enhancement and streamlining of such processes for Credit Operations
Advise Credit Operations on process implementation of new/changes to regulatory/internal policies. Ensure such regulatory/internal policies changes and the corresponding process control changes are executed in compliance with the requirements within 60 days of implementation
Leading and assisting in the implementation of Gold standard for Quarterly Manager Control Assessment (MCA) and Annual Risk Assessment on MCA for Credit Operations
Review MCA results and highlight key issues/areas of improvements to the respective managers/unit head
Timely escalations of key risk and control issue to Credit Operations Director/Unit Head
Ensuring that relevant procedures and deviations are accurate, complete, and up-to-date, and are reviewed and if needed renewed on a timely basis
Conduct periodic deep dive on key processes to ensure control robustness for these key processes
Participate in cross-department projects/initiatives
Degree holder with minimum 6 years of experience in the financial industry
Working experience in supporting compliance and control functions
Basic knowledge of Microsoft Office tools like Excel, Word, and Powerpoint

Senior Manager of Credit Operations Resume Examples & Samples

Brings an expert level of business analysis competency to the organization, employing up-to-date, business analysis best practice tools and techniques: analysis and solution definition; enhancement and incident execution; technical recommendations and testing
Manages a team that develops systems training materials, ensures applications meet internal audit guidelines, applications are ready for operational use and encourages user adoption
Lead business process discussions with large groups of varying levels, with a high proficiency in process reengineering, business process design and modeling
Experience formally defining use cases driven conceptual/functional requirements and communicating requirements to business leads, system architects and developers
Experience conducting functional impact analysis for new capabilities and supporting creation of technical effort estimates for solution design and realization

Credit Operations Specialist Resume Examples & Samples

Evaluate completeness and appropriateness of the application package documentation and coordinate with the Relationship Mangers to satisfy deficiencies
Enter application timely and accurately into the application processing system
Perform compliance and regulatory checks, obtain or order UCC and entity searches, tax liens and judgment searches, credit bureau reports, and professional status
Review new applications and annual review packages to ensure proper segmentation and re-routing applications when appropriate (based on exposure and product type)
Assist with data integrity review and follow up maintenance while identifying opportunities for process improvement to ensure integrity of data
Support servicing and maintenance requests for existing portfolio clients (advances, BA's, LC's, loan structure modifications, collateral releases)
Monitor and coordinate annual review, quarterly call reporting, and other portfolio monitoring activities, including compliance with escalation requirements
Support Credit Center staff in coordinating and completing research on individual clients and portfolio matters
Must have worked in a bank or financial service company and handled commercial credit applications
A minimum of 2 to 5 years of experience in a financial institution with a focus on due diligence and entity documentation
An Associate degree (or equivalent experience) in business, accounting, or finance with experience in credit and legal documentation. A Bachelor's degree is preferred
Must have an understanding of tax returns, financial statements, entity documentation, bank statements, financial regualtions, credit reporting laws and practices, financial products, collateral lien perfection, negotiation , and excellent communication skills
Must possess judgment with respect to appropriateness of tax filings, financial statements, entity types, financial products as related to financiang needs, financial regulations and Citibank policy (i.e. definition of a complete package, number of years of financials based on products requested amount, and time of year, etc.)
Be computer savvy, proficient in Microsoft Office, particularly Excel

Credit Operations Resume Examples & Samples

Creation of standard reports such as: “Turnaround Time Report” (TAT Report, “Credit Metrics” report, “Guarantee reconciliation” report ’Over hold account’ reports “Hands-free” reports etc
Querying and distribution of ’Daily Activity Report’ (DAR Report)
Creation of 50+ pages Quarterly Portfolio Presentation for the RCO (Regional Credit Officer) for Europe & MEA
Preparation of ad-hoc queries and creation of reports from GCS (Global Credit Solution)
Further development of existing queries & reports to improve efficiency
Proposing new queries and reports to senior management
Creating ad-hoc, customized reports and presentations, integrating IT and finance capabilities
Database management: query writing, report creation, tailoring report content to various audiences
At least 1 year experience in experience in database management
At least 1 year experience in reporting tasks
Good understanding of SQL language
Strong Excel skills, (Charts, Pivot tables, Macros, etc)
Strong MS Power Point Skills
Masters degree in IT or Economics/Finance
Good understanding Brio/Hyperion skills
Understanding of IBM Credit systems

Credit Operations Specialist Green Bay Resume Examples & Samples

Prepare financial statement spreadsheets of commercial borrowers utilizing an internal software program provided and internal tools
Prepare trend cards for all loans in excess of $10MM and all Highly Leveraged Transactions
Validate and update reporting requirements needed for monitoring commercial credits. This Includes input of annual review dates, financial statement dates, policy exceptions, rent rolls, appraisal data and other information required to properly monitor existing loan facilities. In coordination with various other departments within the line of business prepare letters outlining past due reporting requirements
Prepare RPAs
Calculate and/or monitor covenant compliance
Order various credit reports or other research as requested
Upon request, verify real estate tax payments
Coordinate filing and imaging of all materials related to the credit files

Senior Manager, Credit Operations Resume Examples & Samples

Lead a large part of the Credit Operations organization, managing up to 8 Supervisors, each with teams of 10-15 credit specialists, and eventually add two managers as the operation grows
Drive teams toward exceeding operational goals, using metrics to ensure efficiency, quality, and customer experience in day-to-day operations
Manage talent, recruiting, and budgeting. Partner with Finance, Recruiting, and Learning & Development to ensure department is staffed to meet service levels with our rapidly growing and changing business. Determine and monitor drivers to continuously adjust staffing models
Partner with Business Operations and Product teams to develop new technology, data, and process solutions that result in big wins
Create and implement reward and recognition programs to drive performance and foster a positive cultural environment

AVP Consumer Credit Operations Resume Examples & Samples

Lead and manage the team to handle rule management support across various APAC markets
Ensure key metrics are met
8-12 years’ experience in asset underwriting/ operations / Decision engine management of which 2-4 years in Operational process management
Ability to handle pressure, Strong interpersonal skills requ

Credit Operations Specialist Resume Examples & Samples

Help us improve by providing feedback and ideas about issues, policies, and comments you hear from customers
Lending experience a plus
Strong interpersonal skills; professional, courteous, customer-friendly, warm, empathetic, level-headed and composed
Ability to work independently in a highly structured and fast paced environment
Proficiency in Windows and Microsoft Office Suite

Manager, Credit Operations Resume Examples & Samples

Lead a size-able part of the Credit Operations organization, managing up to 5 Supervisors, each with teams of 10-15 credit specialists
Develop a great management team. Actively seek to promote top performers within their teams to new skills, elevated positions, and other departments
Assist with managing talent, recruiting, and budgeting

VP Consumer Credit Operations Resume Examples & Samples

Lead and manage teams handling various country operations
Work with country credit initiation teams and Regional Credit Initiation teams on an ongoing basis for strategic initiatives
Deliver on defined TAT and accuracy levels
Manage volumes and capacity requirements to meet efficiency and service levels
Drive implementation of best practices from various countries across the region through review of process and reengineering
Ensure a Pristine Control Environment - All operational risks to be assessed and mitigated, and control / audit issues actively managed to resolution
Deliver reengineering saves as per planned initiatives
Ensure all are trained on ongoing process as well as new regulations or policy changes
Employee initiatives – VOE, address people issues, effective on-boarding and training, staff has clear goals and expectations, develop bench strength through attracting talent and mentoring
Develop strong working relationship between the Consumer Ops site teams
Effective escalation procedures to raise potential reputational risks and franchise issues, maintain a robust COB plan
10-12 years experience in Asset underwriting/Operations of which 5-6 years in Operational process management
Leading and managing large teams (of 50+) for 2-4 years
Experience in handling Centralized operations preferred
People and process management and Communication skills
Leadership stills - strong communication and presentation / public speaking skills

Manager Consumer Credit Operations Resume Examples & Samples

Study and clarify requirements of the country risk team and propose functional solutions based on the required changes
Analyze impact and design of the solution using trees, tables, path/rule sets
Prepare policy understanding documents and ensure timely sign-off from stakeholders
Perform unit testing and SIT Testing and send for UAT Testing timely
Provide validation support, E2E UAT Testing support and production support
Prepare cutover checklists and monthly releases, investigate irregularities / issues & advice users/fixes and ensure compliance with approvals and documentation
Participate in activities/calls to understand user stories/scope and advise feasibility
Perform full regression testing on DEV/SIT and UAT functions
Responsible for development, support, maintenance and implementation of small to medium components of a project module. Work on problems of limited scope, through usage of standard software development concepts and principles
Knowledge of Implementation and Production Support environments
Knowledge of SQL / C language skills would be an added advantage
Strong interpersonal and articulation skills (spoken and written)
Strong team orientation and commitment to overall team success; willing to go above and beyond to ensure team success; intense customer focus and commitment to driving quality
Effective time management skills in order to manage multiple priorities with flexibility on time zones and timelines
Logical thinking, High analytical and problem solving skills; innovative and solutions oriented
Enthusiastic and quick-learner in this rapidly changing environment
Ability to work with others under guidance and deliver work on target
Ability to understand processes and procedures quickly and put them in to practice
Remains abreast of industry technical trends and new development to maintain current skills and remain current with industry standards
Worked in an agile environment
Fair to Good knowledge of the programming languages and associated tools
Should be able to work on problems of limited scope, through usage of standard software development concepts and principles

Credit Operations Analyst Resume Examples & Samples

Check for document completeness and spot inconsistencies
Verify client declarations against supporting documents and assign appropriate job code, nature of business
Calculate income for credit assessment in accordance with policies/procedures
2-5 years relevant work experience
Sound credit judgment, in ensuring that apps are approved within the credit/regulatory guidelines
Detailed examination of documents (income, id) & applicant profiling to prevent fraud
Focus on turnaround time & processing accuracy
High level of service to internal & external customers

Credit Operations Analyst Resume Examples & Samples

Assist with the production of department MIS and reporting
Receive and process customer requests/instructions through various channels ensuring proper due diligence. Accurately resolve investigation cases within designated timeframes and initiate oral or written communication (letters), if required
Adhere to policies, standard framework decided stated by the company to meet client need
Graduate with 0-3 years experience in banking operations
Require excellent written and spoken English skills
Candidate should have competency in Office tools

Avp-consumer Credit Operations Resume Examples & Samples

Meet required productivity and error-free processing
Review reports to ensure proper audit on documentation, perform control checks on document/instruction
Proficiency in typing

Credit & Operations Manager Resume Examples & Samples

Extensive experience in credit or risk analysis department from 5 years preferably from a bank or leasing/captive company (Credit part is prevailing in the position profile)
Typically 3 to 5 years of operational management experience, preferably in the financial services industry in a commercial vehicle environment
Experience in Collection
Management experience of 2 years
Management experience from 2 years
Good financial understanding
Strong business understanding
Knowledge of credit and risk analysis
Knowledge of Collection processes
Knowledge of Financial Services industry
Ability to train, develop and motivate their credit & risk team
Fully proficient in English (oral/written)
High communication and analytical skills

Credit Operations Analyst Resume Examples & Samples

Cash reconciliations, position reconciliations, and reviewing loan documents/PSAs. These documents will be mostly in Japanese
Daily interaction with custodian banks, trustees and prime brokers
Daily interaction with front office, accounting, valuation and other areas supporting the Credit Funds business including employees in our Tokyo office
Providing back-up and support to other Credit Funds as needed
Participating in various projects across the business, in particular supporting Treasury, Loan Operations and the Accounting teams
Handle day to day AP functions including allocation and submission of payments

Cbs-credit Operations Resume Examples & Samples

Accounting Graduates, CPA an advantage
Strong understanding of financial statements
Strong verbal, written, and interpersonal skills
Strong analytic and problem solving skills
Works effectively in a team environment, while assuming individual responsibility
Able to act independently in a high volume environment
Ability to work in a fast paced, high production environment performing multiple tasks
High level of proficiency in organizing, priority setting, and issues management

Credit Operations Clk Resume Examples & Samples

Complete all written Verification of Deposits for the bank
Complete all Quality Control Forms received in Commercial Credit
Demonstrates good verbal and written communication skills
Demonstrates self-motivation and ability to work independently

Credit Operations Head Resume Examples & Samples

Manage controllable costs in line with business plan and forecasts, driving ambitious operational saves
Provide Collections (both pre and post write-off), Credit Initiation and Fraud Operations services for different business units in Citibank across all product offerings
Drive automation initiatives and straight through processing to enhance customer experience as a top priority
Control delinquency and Fraud losses through effective management of the collections and Fraud Control processes and activities
Select and monitor all services provided by third-party vendors (i.e., collections and credit agencies and legal attorneys, etc.), ensuring high standards of service, cost savings and compliance with Citigroup’s Vendor Management policy, also provide oversight for offshored activities. Drive any consolidation initiatives in this area to ensure maximum efficiency in third parties under management
Develop, interpret and maintain effective control, to manage infrastructure requirements that allow compliance with local and standards and statutory requirements minimizing operational risk (i.e. MCA, COB and GCCFRP)
Ensure that all process and controls are documented and comply with regulatory and country Regional / Global Citigroup Policy
Develop and implement MIS to manage people and processes - take pre-emptive and corrective action as appropriate. Ensure optimal productivity and efficiency in all areas
Leadership - Build, Develop and Lead a highly skilled and motivated team, that strives for excellence and maintains highest standards of performance
Expense Leadership – Develop a Model to plan and forecast capacity and expenses, and ensure optimal utilization of resources meeting all the plans and budgets
Ensure Credit, Collections and Fraud Management policies are adhered to, and provide inputs to policy and process as required so as to improve portfolio performance and optimize the balance between risk and expense
Ensure documentation and maintenance of SLAs with all the interdependent functions to provide service excellence to all the Clients
Develop and Implement a process of Self-Assessment to keep maintain highest standards of quality in processing and adherence to all the applicable policies
Solid Credit Operations Management experience gained in a retail bank, card company, other retail financial services institution or consumer credit provider. Minimum of 10 years experience
Strong understanding of credit and fraud policies
Understand how own function integrates within the overall organization to contribute to achieving business objectives; requires a good working knowledge of the industry, local regulations and laws
Be a Hands on and Peoples manager and drive employee satisfaction
Experience in leading large teams and working with senior Leadership
Experience in setting up processes and implementing policies in Credit Operations Functions
Demonstrated strong understanding of the credit lifecycle
Understanding of the people and change management issues unique to an operations environment
Cross cultural experience
Sound knowledge of working of systems
Planning, Leading & organising skills
Process improvement focus

Cbps Credit Operations Specialist Resume Examples & Samples

Advanced knowledge in MIS Office. Problem solving and analysis - demonstrate an ability to act appropriately on problems and analyze cause and effect
Exudes positive/can-do attitude
Strong work standards

Credit Operations Group Manager Resume Examples & Samples

Formulate regional credit initiation strategy in consultation with risk and business partners covering turnaround times, expenses and unit costs and function scalability
Help deliver the yearly Credit operations expense plan across EMEA
Drive down unit cost of both loans and cards processes
Ensure consistent delivery of customer focused services
Ensure Vital Few standards on application delivery are consistently met across EMEA
Help build the enablers necessary to achieve the goals through partnership with in country operation teams, regional technology and global partners
Develop scalable operations through process automation and outsourcing/off shoring as needed
Maintain an understanding of technological developments for Credit Initiation, working closely with Technology and Project managers
Tie capacity planning with operating expenses and efficiency
Ensure adequate governance over credit operations outsourced partners
Ability to evaluate Ops collection industry future directions and relate to future architecture needs and projects constituents or stakeholders
Work closely with regional and global office on critical projects to enhance country collection performance in process standardization and operational efficiency
Implement/expand auto-dialer coverage and work force management tool in the region
Maintain Credit Ops as source of talent for the internal organizations, building career path and attracting internal and external resources
10 + years of Credit operations/Collections/Operations experience. Ability to conceptualize and deliver a high-quality process and appreciation of Unit cost and productivity
Experience of a matrix reporting structure
Ability to work and provide leadership to diverse and geographically dispersed teams
Self-starter who is capable of defining work-slate for self and country teams

Assistant VP-consumer Credit Operations Resume Examples & Samples

Work closely with partners in risk, credit ops units to understand policy/ process requirements , timely delivery and partner communication with 100 % accuracy and solving business problems
Develop understanding of consumer asset products across markets in Asia
Analyze underline data requirement and prepare requirement documents and Effort estimation
Support users in UAT, Regression testing, Sanity checks
Ensure all teams are properly trained ongoing process as well new regulations or policy changes
Work with the regional credit initiation team on strategic initiatives and provide feedback at relevant times
Develop bench-strength through recruitment, mentoring and developing talent for staff and supervisors/managers
Define and track metrics for performance measurement, service levels and monitoring key triggers for early warning signals
8-12 years’ experience in asset underwriting/operations/decision engine management of which 2-4 years in Operational process management
Experience of handling multiple markets preferred
Should have handled at least team of 20+ resources for 2-3 years as manager
Should have working experience on SQL programming
Team building - Ability to manage diverse teams, conflict management
Strong interpersonal skills required

Credit Operations Control Head Resume Examples & Samples

Candidate must possess at least bachelor's degree in Accounting, Finance, Business, Information System or equivalent
Minimum 10 years of years of working experience in banking or control / audit related functions
Fluent in Bahasa Indonesia and English both verbal and written
Able to work under pressure as a team or individual
Highly motivated individual and able to motivate a team
Able to adapt quickly

Director, Credit Operations Resume Examples & Samples

30% Develop strategic plans to improve the customer experience with existing financial services products. Prioritize and schedule development efforts so as to maximize financial returns and operational flexibility
50% Oversee development of detailed project design/implementation plans. Monitor schedules to ensure deadlines are achieved
10% Evaluate financial and operational/quality results of new programs against predetermined goals. Determine whether programs should be rolled out and, if applicable, develop implementation strategies and budgets
10% Design, communicate, and monitor progress on individual development plans for all associates in group
Preferred 8 years of experience
A thorough understanding and knowledge of the principles/disciplines of financing, including Account Acquisition & Activation, Sales Promotion, etc
A strong grasp of Project Management skills and requirements
Able to manage/coordinate multiple, simultaneous projects. Understands and teaches Time Management skills, and uses those skills to deal with unplanned projects and interruptions
Able to think strategically about business problems and opportunities, and to focus efforts on projects that most closely support key company initiatives
Very strong communication skills, both verbal and written

VP-credit Operations Closing Date Resume Examples & Samples

Lead, coach and develop the Credit Operations Team by establishing a positive work environment that promotes continuous learning, development, and retention of highly effective employees. Provide a clear vision for the team by developing an effective plan for daily work flow management and promote a team atmosphere by supporting and modeling the basic principles of the organization. Perform all human resources functions for Team
Provide leadership, including participation in cross-functional teams and workgroups that help promote relationships with Retail, AgDirect, and County Home Loan leadership as well as Retail Credit Underwriting Team partner relationships. Work effectively with leaders and functional teams to implement recommendations and achieve operational excellence. Develop and implement recommendations as well as monitoring and efficiency measurement systems to accomplish Association objectives
Collaborate with Regional Credit Leaders and VP Credit Operations to maximize workload efficiency, leadership consistency, and coordination between the credit teams
Financial Information Analysis

Credit Operations Manager Resume Examples & Samples

Bachelor's degree required
Minimum 5 years of experience in Credit Underwriting
Minimum 7 years of work experience in a bank
Minimum 5 years of supervisory experience
Must be knowledgeable with bank credit policies and procedures, back office processes and systems
Be very familiar with applicable laws and banking regulations
Proficient with personal computers and various software programs (e.g. Microsoft Word, Excel and PowerPoint)
The ideal candidate will be skilled in managing projects, leadership, creating and delivering presentations, loan underwriting and financial analysis
Must have the ability to communicate effectively in both verbal and written form with all levels of Bank personnel and outside contacts
Able to manage several projects concurrently, often with tight deadlines
Work well with all levels of management and staff
Mentor and coach subordinates, supervise and delegate assignments
Ability to effectively plan, organize and execute within deadlines
Responsible and accountable for appropriate quality controls related to the financial products we provide, the services we deliver, the processes we employ, and the incentives with which we reward our colleagues
Ensure that all City National products, financial solutions and services are provided ethically and with integrity in a manner that is consistent with the client-first culture and values embodied in City National's PRIDE statement
LI-JO1

Credit Operations Head Resume Examples & Samples

Fluent in English (Mandarin and Cantonese will be an asset)
Bachelor/Master degree
Minimum 10 years` experience in banking operations

Credit Operations Analyst Resume Examples & Samples

Associate Principal- Asset Management (functional reporting)
M.Com./B.Com. with 3-5 yrs. of work experience, preferably with wholesale banking operations / real estate sector
Additional qualification like MBA in Finance/ CA Intermediate / CWA Inter is preferred/ CS intermediate
Qualified banking credit operations professionals (large private banks such as Bank of America, Deutsche Bank, JPMC etc. or Trusteeship Companies) would be preferred
Sound knowledge of wholesale financial services domain and strong understanding of wholesale banking operations
2+ years of experience in asset management or credit operations
Strong understanding of investment lifecycle, assets and liabilities, credit operations
Good understanding MS PowerPoint, MS Word

Manager, CIP Credit Operations Resume Examples & Samples

Provide analysis to support the execution of compliance risk management and oversight. This will include providing information to enable first lines of defense to proactively monitor and assess compliance risk, compliance performance, emerging compliance risks, and the design and operational effectiveness of the Credit Operations processes
Consistent monitoring of results from third party identity verification vendors along with decision engine and analysts clearing of services is paramount in this role
This role encompasses ownership of productivity monitoring and reporting, collaboration with key members of business units within and outside of New Accounts and the development and approval of policies and procedures
Cultivate and maintain effective working relationships within the New Accounts team, CSCM and members of risk management teams
Lead team to find innovative solutions to verifying and obtaining information in a real time environment promoting a Customer Experience primarily driven through a digital framework
Aid the New Accounts team in developing an industry leading Customer experience through the credit process
5-7 years related experience in Financial Services, Risk, or Operational roles
Proven analytical and project management skills
Sound understanding of regulations as it relates to CIP
Demonstrated track record of working effectively with cross functional partners including the field centers
Collaborative and proactive problem-solving skills with a high level of detail
The ability to gain buy-in and promote change throughout the organization
Experience in leveraging technology to deliver business solutions

Credit Operations Specialist Resume Examples & Samples

Review accounts to determine eligibility and/or assess risk
Respond to customers via phone and/or written communications
Comprehend, determine and direct the specific verification and/or investigative procedures to be used in the processing of a customer’s information
Negotiate directly with customer and/or third parties to ensure both customer and business requirements are met
Analyze and interpret financial documents
Regularly resolve highly complex customer situations
Credit experience desired
Ability to clearly communicate through both verbal and written means
Ability to interpret data and organize information
Ability to follow procedures and make judgmental decisions against general policy or regulatory guidelines
Ability to meet established performance and quality standards
Ability to navigate in multiple processing systems. Typically involves collection, verification and review of information
Routinely required to make complex judgmental decisions
Must be able to communicate and support decisions
Challenges include workload, meeting quality, phone productivity, queue productivity and timeliness standards
Must possess broad based product knowledge

Credit Operations Function Group Manager Resume Examples & Samples

Lead and provide direction to country credit operations teams to deliver exceptional performance in building remarkable customer experience, productivity, cost and control targets
Lead and understand the implications of digital advancement and the Servicing 2020 strategy in all Credit Operations functions. He/ she will be responsible to transition all processes to mobile platforms by 2020 to support our vision of 80% digital acquisition and 80% digital servicing
Support country business leaders in meeting expense, credit loss, net fraud loss, new account booking targets and ensure agreed SLAs are followed
Review and approve country capacity plans to ensure sufficient processing capacity in place to handle volume in collection delinquent accounts, new application volume and fraud alert
Drive continuous improvement in customer experience and operational efficiency towards lowering unit costs (from initiatives like process simplification, straight through processing /automation and location and resources strategies and resultant improvements in NPS)
Comply with all global, regional and country policies and embed appropriate controls in all operating environment
Conduct benchmarking exercise with competitors and best practice sharing among country teams to ensure best in class performance
Develop talent and ensure succession planning is in place for all key leadership positions in the region (Country Credit Operation head, Collection head, Fraud execution head and regional Functional leaders)
Bachelor's degree. An MBA or equivalent advanced degree desired
15+ years of experience, with substantial years of experience in Consumer Banking or related fields
Strong understanding of both local and global compliance and regulations
Good understanding of the new technologies that will enable digital advancement in operational areas
Experience managing large groups of people
Strong command of both spoken and written English

Cbna-o&t-credit Operations Analyst Resume Examples & Samples

Process account related adjustments such as: financial adjustments, account closure, dispute handling, invalid write off, etc
Responsible for DOSRI accounts monitoring and reporting. Submits other regulatory reports as deemed required by BSP/other financial institutions
Facilitate processing of customer requests coming from the various units in the bank in a timely manner such as request for certificate of full payment, statement of account
Manage booking of accounts under the Risk Mitigation program and ensure alignment with policy
Interact with Risk Management related to account booking and maintenance and provide MIS reports
Involvement in cross functional projects for new initiatives and system enhancements. Provide additional inputs in terms of controls to be put in place
Participate and represent the unit during audit reviews
With relevant experience in Consumer Credit Operations
Strong process and analytical skills
Strong knowledge on credit processes
Good communications and people skills
Highly organized, team players, proactive and with strong customer service orientation
Ability to translate business strategy to detailed process with high attention to details and solve problems in an expedient manner
With good oral and written communication skills

Credit Operations Resume Examples & Samples

Principal- Investments (functional reporting)
Head – Wholesale Credit Operations (administrative)
M.Com./C.S./B.Com. with 4-6 yrs. of work experience, preferably with wholesale bank
Additional qualification like MBA in Finance/ CA Intermediate / CWA Inter is preferred
Qualified banking credit operations professionals (large private banks such as Bank of America, Deutsche Bank, JPMC etc.) would be preferred
Sound knowledge of wholesale financial services domain and strong understanding of wholesale financial service operations
3+ years of experience in investment management or credit operations
Prior experience in handling aspects of audit, compliance, maintaining accounts would be preferred
Well versed with Companies Act, 2013 and Secretarial Standards issued by ICSI would be preferred
Strong proficiency in MS Excel, experience with use of technology systems
Ability to multi-task, work successfully under pressure, effectively manage time & workload
Attention to detail, ownership of issues, determination to follow through with urgency
Transaction/deal docket preparation

Credit Operations Analyst Resume Examples & Samples

Knowledgeable in MS Office (Excel, Word, PowerPoint)
Process oriented and has a good grasp of the different policies and procedures involving FMU
Ability to work well with other officers since investigations normally coordinates with other units/department/branches

Credit Operations Analyst Resume Examples & Samples

Graduate from a reputed college & PG in Finance Preferred
1-5 years of relevant experience in mortgage industry
Well verse with MS Excel
Ability to work under tight deadlines and to prioritize conflicting and changing priorities
Ability to liase & follow-up with internal stakeholders and vendors
Good written & verbal communication skills
Expertise – we strive for a deeper understanding of our domain
Innovation – we aspire to do things creatively
Provide sound, independent (unsolicited) credit advice, recommendations and quality feedback on Home Loan credit proposals
Process credit proposals of House Loan/LAP borrowers
Underwriting of Home loans by calculation of eligibility, ratio analysis, understanding the industry scenario at micro & macro level
Study of the repayment track of the company as well as the individuals
Thorough in-depth financial analysis of the customer backed by the regulatory, internal checks & preparation of case appraisal notes
Meeting the customer to understand the business profile, his business terms, and his needs in terms of product/s, funding requirements and structure a deal for him while initiating a relationship alongside
Meeting the loan applicant at his/her location and conduct personal discussions, field investigation and authorization of the details of KYC submitted - residential address, photo identity, land details/survey location etc
Understanding of property related aspects like legal title and market value of the property etc , for clear mortgage of the property
Coordinating with sales, operations, trade, legal, technical and customer service departments in

O&t-credit Operations Analyst Resume Examples & Samples

University graduate with 3 years' working experience in consumer credit business, preferably credit underwriting for mortgage or other secured lending application
Good accounting and financial analysis skills
Proven credit analysis experience gained from a financial institution with in depth knowledge and structured credit
Proficient in Excel Spreadsheet and excellent skills in financial and credit risk analysis
Willing to work overtime and shift duty
Possesses decision making and problem solving techniques
Good command of both spoken and written English and Chinese

Credit Operations Risk Analyst Resume Examples & Samples

Proactively provides support to the Business and ensures that operational areas are in compliance with corporate policies, business procedures, regulatory and legal standards. Partners with the businesses by recommending and developing solutions when not in compliance
Analyzes processes and identifies risks. Ensures appropriate controls are in place. Identifies control issues and increased risks in the Business, performs root cause analysis. Drives and validates corrective action plans
Responsible for preparing and validating audit deliverables. Interfaces with auditors from internal (IA, Cards Compliance) and external (OCC, KPMG, CFPB, etc.) audit entities
Partners with other lines of business to ensure consistency and to leverage best practices
Support the integration of Living Client Excellence; identifies changes to improve the client experience
Supports several business units/functions by providing day-to-day support and acting as a consultant to the business. Requires broad business knowledge serving as subject matter expert for processes and accuracy of risk and control documentation
Experience in Credit Operations processes
Operational Risk Management, Control, or Audit background or knowledge preferred
Solutions-focused, able to sort through information and develop concise and clear solutions quickly
Detail-oriented with a logical and methodological approach to problem solving
Excellent research, writing and verbal skills
Must understand operational risk and identify gaps proactively
Ability to multi-task and support/manage multiple projects simultaneously
Excellent analytical thinking, problem solving, and time management skills
Ability to present a case for ideas and initiatives through listening and articulating a convincing point of view
Superior execution skills with a focus on clear, realistic action steps and timeliness
Flexible and easily adapts to change
Strong matrix management skills, ability to manage upward and across in the organization
Deep understanding of policy and operations in a financial institution -- Customer Contact processes, work flows and hand offs
Audit or control experience preferred
Successful experience in a fast-paced environment
Must be able to multi task and support/manage multiple projects simultaneously
Strong Interpersonal skills and ability to work well in a team environment collaborating across diverse groups
Ability to present a convincing case for ideas and initiatives through listening and articulating a convincing point of view
Innovative. Well versed in developing new ideas and improving current processes

100

Credit Operations Test Analyst Resume Examples & Samples

Test software enhancements against specification documentation to ensure the performance is consistent with the written specifications. Ensure compliance with Bank and government regulatory requirements
Review and contribute to software program specification documentation
Interpret, analyze and gather additional information related to specification documentation in order to prepare detailed written test plans
Identify, analyze, and document defects, questionable functions, errors, and inconsistencies in software program functions, outputs, online screens and content
Identify software enhancements or revisions and prepare necessary documentation to initiate the enhancements, if needed
Assist in the development of documenting procedures and creating training materials
Develop knowledge of supported software applications and business processes
Effective analytical, organization, planning and time management skills
Ability to work irregular hours in order to complete tasks and meet deadlines

101

Head Credit Operations Resume Examples & Samples

A minimum of 10 years relevant experience preferably across one or more areas
Collections, Credit Initiation and Fraud Control
Ability to deal comfortably on a highly matrix structure
Ability to work under pressure and solve problems in an expedited manner
Good communications and negotiation skills
Team player and leader
Strong analytical and judgmental skills

102

Credit Operations Specialist Resume Examples & Samples

Bachelor's degree in Finance Accounting preferred or other Business-related courses
1-2 years experience in a banking / credit environment preferred
Self motivated with ability to work independently in a fast-paced environment
Results oriented team player with a high level of proficiency in organizing priority-setting and issues management a must

103

VP, Credit & Operations Resume Examples & Samples

Works with members of Executive Management to implement short and long–range Company goals, objectives and policies. Monitors operational effectiveness and effects changes required for improvement. Develops workable implementation plans. Communicates changes effectively. Builds commitment and overcomes resistance. Prepares and supports an integrated change management approach. Serves on or leads the business Operations Committee and / or its sub-committees in support of key business initiatives. Provides strategic direction to teams that are designed to support strategic goals and key business initiatives. In concert with leadership supports the introduction of new product lines, portfolio acquisitions and new business direction through evaluation of risks, competition, company value proposition and impact on organizational structure. 20%
Provides strategic leadership and direction to Credit Underwriting Team, Speed Processing Team and Credit Administration. Working through the AVP-Credit and AVP, Speed Processing and teams in support of the Company’s then in effect Credit Policy, drives credit administration, underwriting, risk assessments and ensures that the team is working collaboratively with Sales and other functional areas in order to meet Companywide business objectives. Serves as a senior member of Credit Committee with significant credit authority as granted by the Credit Policy and approved by the Board of Managers and the Bank’s Risk Committee structure. 20%
Provides strategic leadership and direction to the Loan Operations Team. Working through the AVP-Loan Closing and team in support of Company objectives. Is responsible for the strategic direction of loan operations / loan closing such that it is scalable as the business and the group’s role continues to grow and evolve. Insures loan documentation is current and meets the needs of the business. Champion’s system enhancements and work flow process improvements in support of meeting negotiated service level agreements (SLA). 20%
Maintains an up-to-date Credit Policy in accordance with the business group needs and within the Banks overall risk tolerance. Ensures that the business as a whole is effectively trained and functioning in accordance with then in effect policy and is compliant with all applicable laws and regulations pertaining thereto. Develops a strong partnership and relationship with the parent’s Chief Credit Officer and updates and involves the Chief Credit Officer as required. 20%
Other duties as required. 20%
Strategic Thinking: Develop strategies to achieve organizational goals; understand company's strengths and weaknesses; adapt strategy to changing conditions
Leadership: Exhibit confidence in self and others; inspire and motivate others to perform well; effectively influence actions and opinions of others; inspire respect and trust; accept feedback from others; provide vision and inspiration to peers and subordinates; give appropriate recognition to others; display passion and optimism; mobilize others to fulfill the vision
Project Management: Develop project plans; coordinate projects; communicate changes and progress; complete projects on time and on budget; manage project team activities
Problem Solving: Identify and resolve problems in a timely manner; gather and analyze information skillfully; develop alternative solutions; work well in group problem solving situations; use reason, even when dealing with emotional topics
Communication: Speak clearly and persuasively in positive or negative situations; listen and get clarification; demonstrate group presentation skills; write clearly and informatively
Team Work: Balance team and individual responsibilities; exhibit objectivity and openness to others' views; give and welcome feedback; contribute to building a positive team spirit; put success of team above own interests; able to build morale and group commitments to goals and objectives; support everyone's efforts to succeed; recognize accomplishments of other team members
Bachelor’s Degree in Business Administration or equivalent work experience, Advanced degree a plus
Min. 10+ years’ experience with formal credit training or equivalent experience, strong loan documentation and secured transaction experience

104

Credit Operations Resume Examples & Samples

3+ years of Public Accounting and/or Private Industry experience
Fund Accounting background
Experience within Finance and Accounting within a Credit or Private Equity firm
Hands-on experience of closed end Fund structures and dealings with External Administrators
Solid analytical, mathematical, and research skills

105

Credit Operations Analyst Resume Examples & Samples

Manage and ensure deviation approval goes to the correct matrix
Provide reports and feedback Credit Policy, Sales and Distribution, Marketing, and other unit related to Credit Initiation on credit application processing
Manage and ensure all marketing or risk acquisition program are processed based on established standards (SAF)
Support in developing enhanced programs/system to improve efficiency in daily operation of credit processing
Support audits as tester (if requested)
Manage and ensure credit application process for New to The Bank (NTB) are within service indicator and in accordance with policies and procedures
Analyze, review credit application within the prospects credit limit matrix
Manage and monitor follow-up cycle time of credit application process
Manage and review cancelled or rejected applications to enable the feedback loop to Sales and Risk
To do matching analysis as part of credit card process
To match new applications to database of approved, rejected, cancelled application and re-check with blacklist data to ensure these are matched or not to the previous application
To be responsible in giving valuable information regarding application to authentication internal staff and approver/credit limit assigner, based on available information in database and new application
Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important
Solid problem solving skills
Good analytical skills with high attention to detail and accuracy

106

Credit Operations Specialist Resume Examples & Samples

Issuance of letters of credit and dealing with the resultant claims and payment process to support the business
Collating, reviewing and presentation of relevant documents under documentary letters of credit to the banks for payment
Maintain close working relationships with Traders Operators and Credit Portfolio Management in all credit related matters
Assist in enhancing levels of communication between the team and Front office in order to increase efficiency and improve the quality of the work
Support the Head of Credit Operations in managing the IST bank relationships
Monitor the trade transactions in an accurate and timely manner to ensure compliance with credit approval terms
Foster support to cross functions -Negotiating key contractual terms relating to credit, in partnership with the Contracts and Legal team

107

O&t-head of Credit Operations Resume Examples & Samples

Bachelor’s degree in Business, Economics or related disciplines
MBA or equivalent advanced degree desired
Minimum of 10 years relevant experience preferably across one or more areas - Collections, Credit Initiation and Fraud Control
Strong understanding of Citigroup’s credit and fraud policies (GCCFRP)
Experience in managing a large group of people

108

Credit Operations Manager Resume Examples & Samples

Managing daily cash application to ensure accurate and prompt timely application of customer payments
Managing daily work activity to meet performance metrics
Identifying new business trends and determining course of action that should be taken, manage and administer some of the third-party systems used by Customer Financial Services (examples credit card processing, contact for third party credit agencies) and internal audits with includes SOX reporting and compliance
Participate in creation of policies identifying inefficiencies and implementing revenue opportunity changes in procedures as related to cash application and the overall credit function
High School diploma along with a minimum of 5+ years relevant work experience in credit, accounting and finance
Must be able to demonstrate strong software skills required
Demonstrate proficiency with Microsoft Office products (Outlook, Word, Excel and Power Point), effective interpersonal communication skills (verbal and written), and ability to work collaboratively on a team with solid critical thinking skills, strong organizational and prioritization skills
Must be comfortable working with customers and heavy phone work
4-year degree strongly desired
Prior experience in Credit, Accounting or finance strongly desired
Prior knowledge to JD Edwards ERP system would be beneficial and helpful for this position
Strong verbal and good written communication skills required as this position will be communicating with other cross function teams and staff
The ability to manage multiple task at one time and demonstrate agility
Strong aptitude for financial matters
Proficient in Microsoft Office (Excel, Word, PowerPoint) and Microsoft Outlook
Strong interpersonal skills with the capacity to negotiate with all levels of employee
Have the ability to be a strong change management leader that can lead and embrace change

109

Credit Operations Analyst Resume Examples & Samples

Coordinate with client on business and technical requirements related to change requests and projects; define specifications and plan tasks for executing on requests in timely and accurate manner
Analyze change requests, factoring current parameters to ensure result meets requested objectives; Set and manage client and internal expectations with regard to system functionality, compliance, and timeframes; keep clients apprised of significant operational system changes or issues; Assess change requests related to requirements to assess overall impact, including documentation and approval
Ensure quality change management; Monitor, control, update and coordinate changes to existing change requests while summarizing and communicating status, producing effective reports, as appropriate; Analyze and interpret reports and queries as part of meeting business objectives
Identify and report outstanding issues to stakeholders; assist with issue resolution
Provide technical support to credit unions during the design, development, and implementation phases of the project/change request
Provide Post implementation support, onsite if applicable, for projects and/or change events
Establish and maintain positive, professional relationships with internal and external clients
Identify and implement improvements to defined processes within the department
Maintain general knowledge of PSCU solutions offerings and service applications, including key functions and associated reports; understand which applications/solutions will best support change requests
Maintain general understanding of CARD Act, Regulation Z, and other key regulations
Associate’s Degree in Business, systems, or related field, or equivalent combination of education and experience required. Bachelor’s degree preferred
Three (3) years of related experience in the payment processing industry required. Thorough understanding of payment card products, support services and processes required. Three (3) years of related experience in business or system analysis
ALP/PCF background preferred
Demonstrate behaviors based on PSCU values
Ability to communicate effectively in both verbal and written formats; proven facilitation and conflict resolutions skills
Ability to track and control activities in a fast-paced environment, while managing multiple change requests and tasks
Demonstrated excellent analytical skills, with ability to manage complex factors in multifaceted projects
Ability to exercise discretion and good judgment in making decisions
Proficiency in word processing and spreadsheet computer software applications
Ability to travel as needed to successfully perform position responsibilities
Ability to maintain confidentiality of materials handled

110

Credit Operations Manager Resume Examples & Samples

Hands on manager of Optum Bank's Credit Operations area
Responsible for the accuracy of booking a substantial volume of new commercial loans and leases annually, for loan documentation and collateral, for over a high volume of monetary transactions and for monitoring, servicing and reporting on the loan portfolio
Reports to the Chief Credit Officer and manages 3 people
Has a high level of responsibility and requires a thorough, professional, and detail oriented person with strong experience in credit operations
2 or more years of experience with credit operations
Experience working with Microsoft Excel for reporting
Experience analyzing data and communicating findings to leaders
Experience with people management

111

Analyst, Credit Operations Dispute Resume Examples & Samples

Review dispute requests to validate and ensure proper coding
Research to determine root cause
Coordinate resolution with various internal departments (Credit, Sales , return support team, suppliers and customers)
Research and resolve customer disputes to facilitate payment or issuance of credit to customer invoice
Determine if order reversal is necessary and submit reversal request
Escalate as needed to ensure timely resolution
Knowledge of commonly-used concepts, practices, and procedures within the Credit and Collections field
Requires spreadsheet and word processing skills and basic understanding of accounting practices
Basic skills in analyzing, evaluating and assessing simple financial ledgers, spreadsheets and related financial information
Good Math skills
Knowledge of credit and collections or billing resolution
Ability to apply judgment and exercise responsibility within area of authority to ensure timely dispute closure
Skill in providing customer service
Ability to establish and maintain effective working relationships with co-workers, internal, external customers, vendors and suppliers
Two (2) years of credit, collections, dispute analysis and resolution or closely related experience

112

Cbna O&t-credit Operations Analyst Resume Examples & Samples

To provide accurate and factual desktop investigation of possible fraud applications
Provides timely feedback on the result of the investigation to other units to minimize customer complaints
To proactively identify fraud application trends and develop schemes and/or processes to detect/deter them
To constantly revisit fraud application investigation processes and apply/recommend improvements to better manage fraud risk
To support FMU’s initiatives in minimizing operational expenses and fraud losses
Can be line balanced (FTE Complement) with other Fraud functions
Prepare daily MIS of the pending dispositions for approval
Conducts phone verification to applicants, private and government offices
Conducts Fraud awareness training to Credit, Sales and Collections team
Prepare and submits the monthly dashboard slide for Fraud Applications
Conducts daily validation and monthly quality review of the desktop review of KL team
Perform other Ad hoc functions as assigned by the supervisor or CFM
With knowledge about Credit Initiation process
Knowledgeable in MS Office (Excel, Word, Powerpoint)
Attention to detail and strong analytical skills and logical reasoning

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Credit Operations Intermediate Analyst Resume Examples & Samples

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Credit Operations Analyst Resume Examples & Samples

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Credit Operations Analyst Resume Examples & Samples

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Credit Operations Resume Examples & Samples

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Credit Operations Analyst Resume Examples & Samples

Credit Operations Analyst Resume Examples & Samples

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Credit Operations Analyst Resume Examples & Samples

Credit Operations Analyst Resume Examples & Samples

Credit Operations Analyst Resume Examples & Samples

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