Credit Risk Associate Resume Samples
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Credit Risk Associate Resume Samples
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ET
E Tremblay
Earlene
Tremblay
4715 Murazik Club
Detroit
MI
+1 (555) 911 2956
4715 Murazik Club
Detroit
MI
Phone
p
+1 (555) 911 2956
Experience
Experience
Boston, MA
Credit Risk Associate
Boston, MA
Spencer, Medhurst and Zieme
Boston, MA
Credit Risk Associate
- Facilitating the sharing of best practice across the Firm
- Supporting the whole Credit Risk Documentary team
- Strong knowledge of liquidity risk
- Credit reviews of existing and new customers
- Follow up on transaction execution. Ensure loans/trades are properly booked / recorded / monitored, credit terms are incorporated in termsheets/confirmations and underlying documentation properly developed
- Conduct detailed financial analysis, including financial projection modeling and company valuations to be used in underwriting decisions
- Ensure risk reporting systems contain timely and accurate information
New York, NY
Credit Risk Associate Night Shift
New York, NY
Ondricka, Carter and Beer
New York, NY
Credit Risk Associate Night Shift
- Night Shift working hours (15:00-23:00),
- Night Shift working hours (15:00-23:00)
- Night Shift, permanent working hours 15:00-23:00
- Investigate and resolve identified causes of data errors
- Prepare accurate CAs (credit approvals) in a timely manner. Track CA progress during approval, ensure approvals are received in compliance with credit policy and recorded in database accurately
- Process incoming credit requests and review for completeness and accuracy, convert to concise, accurately recorded credit facilities in credit system
- Track approval progress during credit approval process,
present
Boston, MA
CCB Risk-consumer Credit Risk, Associate
Boston, MA
Casper, Lehner and Jones
present
Boston, MA
CCB Risk-consumer Credit Risk, Associate
present
- Develop and work on complex processes and make pro-active recommendations for process improvements and enhancements
- Proactively assess current practices and procedures & recommend best practice preventative processes; escalates when potential process failures or weaknesses occur
- Provide thought leadership in the identification of opportunities to improve efficiency by reviewing work processes from new perspectives
- Develop, recommend and execute business plans/strategy for functional area
- Assist Testers and technical support staff in identifying and resolving defects
- Measure and report development progress and schedule, including defect tracking and risk assessments
- Ensure development methodologies are followed and are compliant with Chase standards
Education
Education
Bachelor’s Degree in Ownership
Bachelor’s Degree in Ownership
Kaplan University
Bachelor’s Degree in Ownership
Skills
Skills
- Strong analytical skills (excellent excel skills; VBA is a plus)
- Strong accounting/finance education and skills as well as basic knowledge of loan and capital markets products
- Product knowledge e.g. leveraged loans, swaps, FX, equities
- Ability to manage multiple complex tasks simultaneously
- Extensive working knowledge of computer applications, particularly Excel, PowerPoint and Word
- Excellent written and verbal communication
- Good communication skills with strong oral & written skills, including concise report writing
- Strong analytical skills
- Independent decision-maker with ability to support conclusions
- Strong work ethic and intellectual curiosity
15 Credit Risk Associate resume templates
Read our complete resume writing guides
1
Credit Risk Associate Resume Examples & Samples
- To analyse counterparties, identify and quantify risk drivers in transaction structures, prepare credit memos, make recommendations and manage counterparty exposure
- Analyse and prepare credit memos for corporates with the aim to recommend accurate credit risk ratings and approve exposures
- Analyse credit risks in loans and derivative trades for transaction approval and counterparty portfolio assessment
- Analyse economic and market events and their impact on the portfolio of counterparties managed
- Liaise with clients, internal business units on credit approvals, credit requirements and relationship matters
- Follow up on transaction execution. Ensure loans/trades are properly booked / recorded / monitored, credit terms are incorporated in termsheets/confirmations and underlying documentation properly developed
- Manage counterparty limits and credit facilities exposures
- Follow up on timely receipt of financial information from all clients and prepare credit memos according to firm policy requirements
- Ensure risk reporting systems contain timely and accurate information
- Proven experience in credit analysis
- Familiarity with legal documentation and risk issues, including LMA loan documentations, ISDAs, CSAs, netting, and credit mitigating features
- Extensive working knowledge of computer applications, particularly Excel, PowerPoint and Word
- Good communication skills with strong oral & written skills, including concise report writing
- Independent decision-maker with ability to support conclusions
- Team oriented, flexible, diligent, and self-motivated
- Ability to work effectively with wide range of cultures/personal styles
- Ability to work under pressure and to deadlines
2
Junior Credit Risk Associate Resume Examples & Samples
- University degree (Economics or Finance)
- Working experience in operations/back office (up to 2 years)
- Computer literacy (Word, Excel)
- English Language (working in English)
- Good analytical skills (working with data elements, excel, and systems)
- Understanding of credit processes and operational processes (general knowledge)
- Organization, time management, prioritization, attention to details, quality orientation, ability to work under pressure, communication skills, interpersonal skills, teamwork
3
Rohq-crms-credit Risk Associate Resume Examples & Samples
- Candidate must possess at least a Bachelor's/College Degree , Economics, Finance/Accountancy/Banking, Business Studies/Administration/Management, Mathematics, Commerce or equivalent
- Required skill(s): risk management, credit management, Analytics; or, willing to learn
- Organizational and time management (prioritization of tasks, multi-tasking etc)
- Quality orientation
- Interpersonal skills/teamwork
- Assertive
- Flexibility and adaptability to change
- Computer literacy. Analytical and adept in numbers
4
Night Shift Credit Risk Associate Resume Examples & Samples
- Ensure approvals are received in compliance with credit policy and are recorded in database accurately
- Convert credit instructions/approvals into accurately recorded credit facilities. Maintain customers and facilities data in credit system
- Understand data flows for all data
- Investigate and resolve identified causes of data errors
5
AM Risk-counterparty Credit Risk Associate Resume Examples & Samples
- The ideal candidate must possess a strong risk and control mindset, be very detailed oriented, have excellent analytical and written/verbal communication skills as well as be able to work under pressure and able to deliver on multiple tight, time sensitive timelines. Specific responsibilities will include
- Working with large volumes of data to conduct adhoc analyses as needed
- Demonstrated interest in/ knowledge of global financial markets and current regulatory/legislative agendas
6
Credit Risk Associate Resume Examples & Samples
- Works with credit risk management team in the oversight of data compilation and presentation
- Develops and maintains a database in support of loan concentration management, historical loss information and other loan portfolio data and generating management and board reports
- Assists in gathering data/preparing for Loan Loss Reserve Committee meetings and Board meetings
- Works on enhancements to Corporate Loan Grade model as needed
- Assists Credit Risk Executive with forecasting, data analysis, Board reporting and other special projects
- Gathers data/analyze components for loan loss reserve levels
- Works closely with Credit Risk Executive and Corporate Banking Executive to administer all aspects of existing credit portfolio
- Ensures work product fulfills policy requirements and expectations
- Advanced concepts, practices and procedures of credit analysis
- Advanced concepts in corporate and commercial real estate
- Residential and retail lending underwriting
- Processing operations and network architecture
- Federal and State lending laws
- Analytical problem solving sufficient to guide associates in major analysis function and structuring credits
- Direction and enforcement including credit quality and underwriting
- Preparing management reports
- Maintaining and monitoring loan documentation to ensure compliance with loan terms
- Ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines
- Preparing and delivering oral and written presentations
- Performing due diligence
- Exercise sound decision-making, good judgment and communicate effectively, both orally and in writing, with all organizational levels, including senior management
- Participate in meetings and contribute to team efforts by ensuring all relevant information is included in the outcomes
- Establish and maintain effective working relationships at all levels of the organization, including negotiation resources
- Manage relationships with clients
- Provide coaching, mentoring and technical training to others
- Incite enthusiasm and influence, motivate and persuade others to achieve desired outcomes
- Work independently, make non-routine decisions and resolve complex problems
- Organize, manage and track multiple detailed tasks and assignments with frequently changing priorities and deadlines in a fast-paced work environment with frequent interruptions
- Bachelor’s Degree in finance or accounting and a minimum of three (3) years of banking experience with credit training and credit risk experience
- Three (3) years progressively responsible credit risk experience preferred
7
Credit Risk Associate Director Resume Examples & Samples
- Assist with the credit review and analysis of real estate transactions recommended by the real estate businesses including new debt and equity transactions primarily in the US and across North America
- Reporting to the head of US Real Estate Credit, obtain credit approvals from discretion holders located in New York and Sydney
- Opine on new product or new business approvals and policy changes relevant to the real estate businesses
- Annual and interim review of existing ~$2BN debt and equity portfolio, outlook of real estate counterparties and general real estate market performance
- Oversee the evaluation and reporting of exposures
- Working in partnership with a number of real estate businesses, you will assess a range of complex transactions, from opportunistic higher risk debt and equity positions with appropriate return profiles to lower risk lending, including to support advisory or debt and equity underwriting mandates. Many exposures will be directly secured by real estate assets in the US
- Work as part of the US credit team in its review of detailed due diligence, including real estate valuations, financial models, market data, third-party reports and legal documentation to form a view on the acceptability of the exposure being proposed
- You will assist with the structuring of transactions, reviewing legal terms as well as providing general advice and analysis to the business areas. This is a high profile team who deal extensively with senior management and your ability to effectively manage and analyse transactions is key to this role
- 8+ years of US real estate debt and/or equity experience in a large financial institution. Previous experience in a credit role preferred but previous underwriting, origination, and/or valuation expertise will also be highly regarded for those with a strong credit mindset
- Familiarity with structured products including A / B-note and mezzanine structures required. Experience with fund equity a plus
- Experience with both balance sheet and CMBS lending is desired. Knowledge of rating agency and B-piece buyer criteria for CMBS and previous workout experience is a plus
- General cash flow or project lending skills would also be an advantage to a growing transactional credit team
- Excel and ARGUS skills are desired
- MBA or Credit training from a "money-center" bank desired
- Flexible and lateral thinker who is comfortable being challenged and has a commercial mindset
- Well developed negotiation and influencing skills. Where appropriate, ability to stand your ground with your views supported by rigorous analysis
- Questions existing processes and has a continual improvement mindset
- Comfortable planning and re-prioritising workload in an unpredictable environment
- High degree of ownership, delivery and timeliness in a fast-paced, output focused environment
- Anticipates and flags issues before they become a problem
- Able to distil, assess and test validity of high volumes, and complex data
- Ability to build strong, open, dialogue-based relationships with clients and colleagues
- Moderate travel (10-20%) required for site inspections, market due diligence and occasional management meetings
8
Ccb-risk-mortgage Banking Credit Risk-associate Resume Examples & Samples
- Detailed analysis on a timely basis of prospective Chase Correspondents, both banks and mortgage companies. Analysis data, as , provided via a robust application package, includes but is not limited to, company history, financial performance, organizational structure, strength of management, production operations, quality control, and references from warehouse lenders and existing investors. Timely review and decision of requested changes to existing Chase Correspondent relationships
- Addressing of red flags (financial and otherwise) detected during the annual and quarterly recertification process
- The ongoing risk management of the existing Chase Correspondent base, both on a financial and a loan performance quality basis, including taking appropriate action to address correspondents exhibiting heightened risk
- Partner with the Chase Correspondent Sales team to ensure strong communication and the appropriate balance of risk and reward
- Bachelor’s degree (finance or accounting preferred)
- 3-5 years demonstrated experience in the mortgage banking industry which may include origination, underwriting, risk management or warehouse lending functions. **Correspondent risks experience a plus
- 4 years experience in financial analysis of financial institutions and mortgage companies for soundness and stability
- Expertise in analysis, sound judgment with a strong focus on problem solving and the balance of risk and reward
- Ability to analyze multiple data points, make informed decisions and communicate such decisions to sales partners and multiple levels of management
- Ability to handle multiple priorities simultaneously with tight deadlines
- Strong team player with demonstrated ability to build strong relationships
- Proficient in MS Office, Word, Excel, PowerPoint, Access, etc
- Supervisory skills a plus
9
Credit Risk Associate Resume Examples & Samples
- Good organizational, time management (prioritization of tasks)
- Assertiveness
- Problem-solving approach to responsibilities
- Good Business Writing Skills
- Supervisory and people management skills
10
Asset Mgmt Risk-gwm Credit Risk Associate Resume Examples & Samples
- As team member, the GWM Credit Risk Associate participates in reviews led by GWM Credit Risk team members. This includes analyzing assigned loan files, recording analyses and conclusions in the work paper database, and participating actively in all team and review meetings
- Serve as an information resource on commercial credit risk and policy for the Commercial Banking teams, including involvement in key credit-based core audits
- Ensure consistent application of firm wide Risk Policy as well as GWM Credit Review policies and procedures
- Partner with GWM Credit Risk Management stakeholders to establish strong working relationships while maintaining independence
- Complete special projects and research as assigned by the GWM Credit Review Manager
- Experienced credit professional with minimum five years credit experience, preferably background and/or experience with commercial real estate loan underwriting and credit risk management
- Minimum Bachelor’s degree in Accounting, Finance, Economics, or a related discipline is required
- Demonstrated understanding of commercial real estate credit principals and strong analytical skills
- Excellent verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to management
- Enthusiastic, self motivated, effective in a dynamic fast-paced environment and willing to take personal risk, responsibility, and accountability
- Proven ability and desire to learn quickly, be flexible, and think strategically
11
Asset Mgmt Risk-counterparty Credit Risk Associate Resume Examples & Samples
- Performing on-going monitoring and periodic reviews exposures
- Updating and distributing Counterparty reports
- Contributing to team-wide efforts such as risk assessment methodology enhancements, portfolio-wide reviews and preparing management presentations
- Undergraduate degree with 3+ years of relevant work experience - strong academic performance with coursework in economics, statistics, and finance; knowledge of exchange-traded products and derivatives preferred
- Self-starter with strong project management skills - be able to independently manage multiple tasks and priorities under tight deadlines
- Excellent team player
- Strong PowerPoint/ Excel /MS Office skills
12
Ccb-risk-mortgage Banking Credit Risk-associate Resume Examples & Samples
- Detailed financial analysis on a timely basis of prospective Chase Correspondents, both banks and mortgage companies
- Analyze application packages, which includes but is not limited to
- 3-5 years demonstrated experience in the mortgage banking industry which may include risk management or warehouse lending functions. Correspondent Risk experience is a plus
- An additional, 3-5 years experience in financial analysis of financial institutions mortgage companies, or other like corporate entities for soundness and stability
- Working knowledge of banking regulations
- Impeccable business judgment with the ability to analyze multiple data points, make informed conclusions and communicate to sales partners and multiple levels of management
- Ability to handle multiple priorities simultaneously with tight deadlines as a part of performance objectives
- Ability to participate in and promote team work and collaborate effectively to meet department goals
- Finance and/or Accounting experience is a must
13
Credit Risk Associate Night Shift Resume Examples & Samples
- Night Shift working hours (15:00-23:00),
- Process incoming credit requests and review for completeness and accuracy,
- Track approval progress during credit approval process,
- Ensure approvals are received in compliance with credit policy and internal procedures,
- Convert credit instructions/approvals into accurately recorded credit facilities,
- Maintain customers and facilities data in credit system,
- Understand data flows for all data elements,
14
CCB Risk-consumer Credit Risk Associate Resume Examples & Samples
- Act as a member of the Chase Card Segment Reporting/MIS Risk Management team, assuring that the overall division is making effective decisions to manage the Risk of the business while assuring effective profitability decisions
- Coordinate with other areas of Risk including the Risk Centers of Excellence, Portfolio and Fraud teams to ensure decisions and prioritized items are aligned
- Refresh report data and physically create base pages
- Partner with leads to conduct root cause analysis for data issues, provide recommendations for remediation within the current report run, and help prioritize longer term resolution
- Coordinate commentary and vet LOB report pages with Business or Risk SMEs
- Prepare detailed analytics in support of report page creation
- Assure regulatory and policy compliance through a system of effective controls, identifying, testing, and validating control effectiveness and delivering accurate audit work papers when required
- Minimum 3+ years of relevant Business Analysis
- Data Analytics knowledge expertise
- Solid analytical ability to research and analyze data
- Superior writing skills, to include solid experience in writing functional and technical specifications to translate data to business contexts
- Experience working with SAS, SQL and / or other Oracle database tools
- Experience documenting functional use cases and testing scenarios
15
CCB Risk-consumer Credit Risk Associate Resume Examples & Samples
- Conducting research to determine if solutions to business requirements currently exist within or outside the business unit, and if not, whether new solutions are feasible. Analyze the impact of proposed solution across the business
- Development of use cases to explain/demonstrate business requirements/specifications to business owners and IT team, and contribute a business or process perspective during design reviews
- Facilitate implementation of new functionality through training sessions, demos, and the development of appropriate documentation. Provide relevant quality control and test scenarios as needed. Work with the report integration team to develop system integration test scripts and ensure the testing results correspond to the business expectations
- Minimum 5+ years of relevant in Business/Data Analysis
- Awareness of the business and MIS/IT strategy planning
- Knowledge of consumer risk management and governance concepts a plus
16
Senior Credit Risk Associate Resume Examples & Samples
- The Senior CRA will work in the night shift permanently (15:00-23:00)
- The Senior CRA’s primary responsible will be the front-end interface and liaison for CRMS with Risk and the Businesses & Trading Desks, as well as Regulatory, Finance, and Credit Policy Office
- The Senior CRA will be responsible for working with Risk and Business on new deals and restructurings whereby providing subject matter expertise through the review of credit requests and credit documentation for obligors and facilities in the credit systems
- Risk and the Business will reach out to the Senior CRA as the first point of contact for issues and questions regarding their portfolios including risk systems related entitlements issues. The Senior CRA will be responsible for answering those questions and/or bringing the appropriate individuals to assist and provides expertise to Risk/Business on facility set up questions (i.e. Sublimit, Fronting Lines, Traded Products, etc.)
- Senior CRA will schedule and receive or run the monthly tickler files for annual reviews, loans, and CCR’s due and will be responsible for reviewing overdue items and discrepancies. The Senior CRA will then be responsible to distribute their monthly tickler to their business
- Monitor, track and manage the Annual reviews each month, enlisting the assistance on completing approved annual review workflows as needed
- Senior CRA will be responsible for scheduling any applicable Pre and Post Close Reports in Optima, and will distribute to their businesses once the reports are available
- Senior CRA will be the point of contact and escalation for the Limit Monitoring and Data Quality teams. Responsible for investigating and resolving Optima exceptions, including 507/898 reports, preparing/obtaining approval/submitting Optima adjustments, and periodic bulk updates when needed by Risk/Business
- Senior CRA will work with the Business as well as the CRMS documentation team to Investigate and follow-up on document discrepancies for resolution
- Investigate unmatched/offerings, past-due CAs, expired facilities with Risk
- Action items on the Credit control Panel Clean-Up reports (i.e. Incorrect Performance Indicator, Data Integrity for Loans, Active Deleted GFCIDs w/ facilities, Streamline Manager Report and table updates, ORR = 0)
- Escalation point for other CRAs supporting USA portfolios on ongoing facility maintenance questions and training as it relates to the day to day processing of transactions per Risk/Business instructions as well as any new analysts or associates and ensure the dissemination of new technology enhancements globally to the teams
- Support Audits - Internal & external as well as ongoing MCA. Be the point of contact for Regulators and IA. Providing portfolio and related credit information. The Senior CRA with manager’s supervision will be also responsible for addressing and responding to all CAP’s, external & internal regulatory requests
- Understand how data flows through the credit risk systems and downstream impacts. Investigate and resolved data issues and determine root causes of errors
- Responsible to review and action items on the 'Commitments Prior to Close' Report (primarily loans). Maintain a thorough understanding of the non-CRMS owned CitiRisk workflows: Ratings, Support, and Collateral
17
Credit Risk Associate Night Shift Resume Examples & Samples
- Night Shift working hours (15:00-23:00)
- Process incoming credit requests and review for completeness and accuracy
- Track approval progress during credit approval process
- Ensure approvals are received in compliance with credit policy and internal procedures
- Convert credit instructions/approvals into accurately recorded credit facilities
18
CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- Write robust, efficient and maintainable business rules, as well as maintain existing rules across multiple languages
- Develop robust and scalable designs for software applications
- Develop, recommend and execute business plans/strategy for functional area
- Understand current applications and technical architecture while ensuring adherence to architecture standards
- Create technical and functional documentation to verify software functionality and adherence to business requirements
- Execute system and unit tests of software applications
- Assist Testers and technical support staff in identifying and resolving defects
- Drive the resolution and communication of application defects
- Measure and report development progress and schedule, including defect tracking and risk assessments
- Ensure development methodologies are followed and are compliant with Chase standards
- 5+ years of related experience or equivalent overall experience typically gained through business rules programming experience
- Strong sense of ownership - Feeling of personal accountability for all areas in scope
- Experience in issue management and resolution
- Strong knowledge and experience using Microsoft Office Suite of products (Word, Excel, Powerpoint and Visio)
- Strong analytical skills and writing skills, to include solid experience in writing functional and technical specifications
- Credit card and Risk Management experience is a plus
19
Credit Risk Associate Night Shift Resume Examples & Samples
- Night Shift, permanent working hours 15:00-23:00
- Maintain relationship and credi limits data in credit systems, support a portfolio with supervision
- Process incoming credit requests and review for completeness and accuracy, convert to concise, accurately recorded credit facilities in credit system
- Prepare accurate CAs (credit approvals) in a timely manner. Track CA progress during approval, ensure approvals are received in compliance with credit policy and recorded in database accurately
- Input data accurately to various ancillary credit or operating systems
20
Credit Risk Associate Resume Examples & Samples
- Prepare the documentations for scanning and once scanned index them in Citidocs
- Archive the documents in the vault. Ensure that documents are properly archived and can be retrieved at any time = ensure no lost document
- Follow the CRMS documentation process and any other related procedures and policies
- Assist with any other departmental needs (MCA, audits, data integrity, Oasys, projects etc.)
- Supporting the whole Credit Risk Documentary team
- Communication with other bank departments
- Maintain records of documents processed
- Receive, classify, consolidate and summarize documents and information
21
Emerging Markets Counterparty Credit Risk Associate Resume Examples & Samples
- Credit analysis and risk management for Financial institutions in EMEA Emerging Market region with particular focus on FID products
- Credit due diligence and rating process as well as setting and monitoring the utilization of credit risk limits
- Transaction analysis and credit approval process including credit risk mitigation and documentation requirements
- Represent credit risk and risk sensitivities associated with the EMEA Emerging Markets Financial Institutions portfolio through development and production of ad-hoc and regular reports
- Liaise with other departments including legal, operations, risk reporting, regulatory controllers and capital groups
- Strong experience in counterparty credit risk management for Financial institutions is essential
- Knowledge of relevant markets in the EMEA region including Middle East and Africa region is essential
- Experience in traded products and the credit approval process. The candidate should be familiar with assessing the credit risk in derivative, secured financing and lending transaction as well as the legal agreements covering those transactions
- Ability to work independently in a self-directed way
- Strong communications skills, verbal and written and ability to build relationships internally and externally
- Knowledge of a second language would be beneficial
22
Counterparty Credit Risk Associate Resume Examples & Samples
- Cover key derivatives counterparties such as banks, insurance companies, clearing houses including risk appetite setting
- Handle trade requests and manage credit portfolios as product manager across listed and unlisted derivatives and other credit exposure products for the covered industry sectors
- Separately, assist senior management in organizing and tracking different work streams established to deliver strategic projects, and support the department in legal entity management, outsourcing arrangements, and similar responsibilities covered by the department’s internal COO function
- Coordinate and contribute to the department’s responses to new regulatory requests that require input from subject matter experts, including presentations to the PRA and other regulators
- Solid financial sector experience in counterparty credit risk management, with familiarity of the regulatory framework (CRD IV, IMM, IRB)
- Ability to work independently in a self-directed way to thrive in collaborative, team oriented environment
- Detail oriented with strong organisational skills, such as ability to prioritise, multi task and meet deadlines in fast paced environment
- Strong communications skills, verbal and written, including ability to summarize key messages for senior management presentations
- Proficient in Microsoft Office, including Excel, Power Point, Word, Project
23
Credit Risk-associate Resume Examples & Samples
- Experience in Corporate Financial Analysis including proficiency in Financial Modelling
- Familiarity with financial markets, financing and risk mitigating structures
- Fluency in English plus one European language would be an advantage
24
CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- Develop and work on complex processes and make pro-active recommendations for process improvements and enhancements
- Participate in continuous improvement and proactively support knowledge sharing within the department
- 2+ years of related experience or equivalent overall experience typically gained through business rules programming experience
- Strong influencing and motivational skills with an ability to collaborate across a highly complex environment
- Auto Finance and Risk Management experience is a plus
25
Credit Risk Associate Resume Examples & Samples
- Act as the Subject Matter Expert for the maintenance, improvement and oversight of an effective credit and concentration risk management framework that meets the requirements of all relevant regulatory and legislative requirements and guidance
- Responsible for the development, implementation and oversight of the Credit & Concentration Risk Policy; Review effectiveness and adequacy of methodology and procedures utilized to monitor risks to the clearinghouse, including credit alerts, collateral monitoring, and liquidity stress testing
- Responsible for the development, implementation and oversight of stress testing and scenario analysis in relation to credit and concentration risk
- Responsible for the development, implementation and oversight of credit and concentration risk analytical capability
- Ensure that the business is kept abreast of all developing credit and concentration risk legislation and regulation; conduct gap analyses and impact assessments against all publications and make appropriate recommendations to the CRO and Credit Committee
- Responsible for ensuring that effective risk management systems and technology are established and maintained to ensure effective and efficient credit and concentration risk management
- Responsible for the maintenance of the Credit & Concentration Risk Policy to ensure that it aligns to changes in regulatory / legislative requirements and guidance
- Management and all colleagues. Build and maintain constructive and effective stakeholder relationships
- To develop and maintain a close working relationship with the operation group to engender a culture of risk awareness
- Facilitating the sharing of best practice across the Firm
- Ensure effective oversight, challenge and support from a credit and concentration risk management perspective is provided to all change initiatives (e.g. projects, products)
- Lead effort in new 3rd party service provider risk assessment and on-boarding from a risk perspective, and maintain ongoing 3rd party relationships and participate in service updates
- Lead the current Membership onboarding function within risk management, perform due diligence of the new members and obtain necessary new membership approvals. Assist in a spectrum of membership initiatives
- Assist in business sales effort and RFP, manage and coordinate counterparties due diligences to CMECE
- Lead effort to liaise with market risk, financial surveillance, and other departments to familiarize others with counterparty credit risk profiles and build knowledge of credit risk ratings. Provide oversight in the risk management rating process, which includes review of analyst work product
- Assist in new collateral acceptance approval recommendations for requests, which include market fundamental data such as liquidity, volatility, and other market factors
- Deliver high quality results for high priority and time sensitive regulatory driven projects (e.g. DCO, EMIR equivalent) that require independent thinking and taking initiative to fully define the problem, recommending solutions and execution
- Determine and communicate systemic risks to CME and the associated affects to CME counterparties
- Prepare and present CMECE Risk Committee materials in relating to credit risk and membership
- Proven experience in credit risk analysis preferably acquired with a bank
- Product knowledge FX and rates (commodity as a plus)
- Experience with running due diligence
- Strong knowledge of liquidity risk
- Good knowledge of financial market
- Independent decision-maker with ability to support conclusion
- Strong analytical skills (excellent excel skills; VBA is a plus)
- Team oriented, flexible, diligent and self motivated
- Good knowledge of sovereign risk
26
CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- Minimum three years of relevant Business Analysis or equivalent work experience
- Strong knowledge of system development life cycle methodologies
- Experience/understanding of business process mapping and reengineering and business modeling concepts, business systems development and analysis
- Knowledge of consumer risk management and governance concepts
- Credit bureau knowledge is a plus
27
Cio-ctc-credit Risk Associate / VP Resume Examples & Samples
- Working alongside portfolio managers to conduct analysis of new investment opportunities. Product scope includes securitized products (CMBS, RMBS, CLO and other ABS), municipal securities, sovereign and corporate bonds
- Understanding and monitoring the risk profile of transactions and strategies undertaken by the CTC businesses
- Carrying out deep dive analysis on specific products, sectors and risk issues
- Understanding various risk measures used to determine the credit risk within transactions and managed books including exposure metrics, pre-trade modeling and default parameters
- Reviewing counterparties for Treasury’s deployment and hedging activities
- Performing analysis for portfolio stress testing including the annual Comprehensive Capital Analysis and Review (CCAR) and quarterly Other-Than-Temporary-Impairment (OTTI) review
- Partnering with the Front Office, Finance, Valuation Control Group, Model Review Group, Policy, Finance, Technology and Middle Office to continue build-out of the CTC Credit Risk franchise
- 3+ years’ experience in credit analysis and assessment with a wide range of quantitative, financial and risk management experience
- Experience of Municipal Finance, Mortgage Backed Securities or Commercial Real Estate lending a strong advantage
- Strong quantitative and analytical background with an understanding of structured products and derivative instruments
- Able to deep dive into portfolio and produce analysis highlighting key risks
- Experience with instruments throughout the capital structure
- Familiarity with bank regulatory capital rules, stress testing and experience with portfolio construction a plus
- Resourceful, able to work under pressure and multitask effectively
- Strong critical thinking skills with thorough attention to detail
- Demonstrated ability to partner effectively across businesses, functional areas and geographies
28
CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- Engage effectively across business and IT personnel to gather and create appropriate level of documentation/artifacts, identify any control gaps, bring up difficult issues and possible solutions
- Must possess a willingness to learn, the ability to effectively communicate findings verbally & in written/presentation format and be able to work in a matrix structure with minimal supervision
- Communicate complex issues in a crisp and concise fashion to immediate management
- Partner with stakeholders to ensure objective alignment and appropriate integration
- Partner with teams to develop/enhance the appropriate operating model that meets the business need
- Proactively assess current practices and procedures & recommend best practice preventative processes; escalates when potential process failures or weaknesses occur
- Provide thought leadership in the identification of opportunities to improve efficiency by reviewing work processes from new perspectives
- Identification and remediation of control gaps pertaining to data management
- Bachelor's degree required, Master’s Degree is preferred
- 5 plus years of Financial Services experience is required
- Strong ability to understand complex lending business processes, associated dependencies and the translation into corresponding data segments is required
- Firm understanding of control frameworks in the financial industry
- Experience working with datasets and some querying capability (data manipulation / reporting)
- Detail oriented coupled with the ability to show initiative, good judgment, and resourcefulness
- Demonstrated independent problem solving skills and ability to develop solutions to complex analytical/data-driven problems
- Proficiency within the Microsoft environment (Windows/Outlook/Office Suite)
- Excellent interpersonal skills necessary to work effectively with colleagues at various levels of the organization
- Able to self-organize/manage multiple priorities and projects coupled with the flexibility to quickly adapt to ever changing business questions and needs
- Must possess the ability to work and research/resolve issues independently while sharing best practices and knowledge with colleagues & team members
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CCB Risk-consumer Credit Risk Associate Resume Examples & Samples
- College degree, or specialized training or equivalent work experience
- Minimum of 3 – 4 years experience with user acceptance testing with strong experience with manual testing, testing tools, and reviewing test cases
- Experience creating Test Strategy and Test Planning documentation
- Experience/understanding of business process reengineering, business systems development and analysis
- Solid experience in Unix and SQL, MS Word, MS Excel (eg. pivots), MS PowerPoint and Visio is required
- Experience with large volume databases (Oracle, Teradata preferred), and batch processing environments is a plus
- Experience with Credit Card processing is a plus
- Experience with Risk processing (Credit and Fraud detection and loss prevention) is a plus
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Credit Risk Associate Resume Examples & Samples
- Research, write and present financial and industry analyses to drive company and portfolio level decisions
- Participate in the structuring, underwriting, and documentation of credit facilities designed to meet both client and investor needs as well as balance the bank’s internal risk/return requirements
- Conduct detailed financial analysis, including financial projection modeling and company valuations to be used in underwriting decisions
- Monitor and manage credit exposure associated with the bank’s broad range of products including Commodities/FX, Derivatives, Treasury Management, Leasing, Receivable Securitization Conduits, etc
- Review term sheets, credit agreements, ISDA, and other legal documentation
- Mentor and lead junior Analysts
- Undergraduate or Graduate degree in Finance or Accounting (Bachelor of Business Administration) with a minimum of twelve accounting coursework hours
- 2-3 years of banking experience in a corporate underwriting, leveraged finance, or client management role
- 2-3 years of Oil and Gas industry experience
- Leadership, initiative and resourcefulness
- Strong work ethic and intellectual curiosity
- Teamwork orientation
- Ability to manage multiple complex tasks simultaneously
- Dedication to building a career in financial services
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CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- 3+ years proven experience in project management roles (PMP certification a plus)
- Demonstrated ability to work as a team player; develop solutions to complex problems, thinking outside the box and recommending the best solution
- Demonstrated ability to investigate and learn new technologies and products
- Excellent interpersonal skills necessary to work effectively with all levels of the organization and geographically distributed teams including offshore
- Ability to exercise independent judgment and creative problem-solving techniques in a highly complex environment using technology and/or integrating diverse user systems
- Risk Management or technical project experience preferred
- Experience in the following areas preferred: Resource Management; Business Analysis/Requirements Definition; Organizational and/or Operational Change Management; Conflict Resolution; Adherence to Standard Project Lifecycle
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Credit Risk Associate Mortgage Resume Examples & Samples
- Analyst/Associate will cover a counterparty portfolio focusing on the Mortgage Structured Lending and Asset Backed Securities sectors. Responsibilities will include
- Transaction Review
- 2-4 years of experience covering the Mortgage or Asset-Backed sectors
- Background in asset classes mentioned above
- Comfortable interacting with senior management within Risk Management as well as the relevant business areas
- Strong desire to grow your skillset and expand responsibilities
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Junior Credit Risk Associate Resume Examples & Samples
- Legal background preferred (not a must)
- A team player with ability to meet tight deadlines and work under pressure
- Essential attributes include excellent communication and interpersonal skills, ability to handle multiple client relationships as well as analytical and problem solving skills
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Senior Credit Risk Associate Resume Examples & Samples
- The ideal candidate will have experience of both Secured and Unsecured lending however having experience in both is not a must have
- Experience of SME lending will be a distinct advantage
- You must be comfortable in dealing with complex business cases and be confident in your approach to recommending credit risk strategies - this will often involve writing & presenting technical papers to senior management
- Have a minimum of 3-5 years experience at a senior level of understanding and implementing the credit risk cycle for retail products
- Experience of collections and recoveries reporting (Roll Rate Analysis)
- Previous experience of Basel III/CRD IV concepts of PD, LGD, EAD, etc. as they relate to estimating and stress testing loss rates for credit portfolios
- It is of paramount importance that the successful candidate will be required to assess complex strategies and performance information from firms, determining how their portfolios benchmark against each other using a variety of risk metrics. This is a critical skill that the job holder must have gained over several years of portfolio analysis
- You must have solid experience of SAS, SQL and Excel
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CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- Minimum 4 year education of a Bachelor's Degree from an accredited college/university or BS Computer Science is required
- 3-5 years of relevant business programming experience
- Experience creating, modifying and executing SQL/SAS queries and the proven ability to analyze large datasets
- Experience using RDBMS, such as Oracle or Teradata is preferred
- UNIX experience a plus
- Experience in analyzing and reporting on production monitoring processes
- Experience with partnering/leading resources
- Ability to understand business processes and identify gaps and solutions
- Self-motivated and must work well independently or as part of a team
- Understanding of Project Development Life Cycle
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Traded Credit Risk-associate Resume Examples & Samples
- Degree holder or above preferably with major in Business, Finance or related disciplines
- At least 3 years of experience in credit risk management or traded credit risk management
- Strong product knowledge in FICC and structured products
- Strong communication skills in English and Chinese languages
- Team player and quick learner
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CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- Identifying, assessing, and documenting business requirements, recommending business priorities, and advising business on options, risks, and costs
- Exceptional data knowledge and analytical skills
- Superior verbal and written communication skills
- Demonstrated strength in SAS, SQL and / or other Oracle database tools knowledge
- Advanced knowledge of MS Excel, Access and PowerPoint preferred
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Cib-credit Risk Associate Hedge Funds & Asset Managers Resume Examples & Samples
- Manage a portfolio of European Hedge Funds and asset managers, acting as the main point of contact for other Lines of Businesses
- Lead client due diligence meetings, transaction structuring/execution and negotiation of documentation
- Demonstrate deep understanding of fund strategies and risks inherent to them, including willingness and ability to train analyst day-to-day
- Escalate non-standard asks and complex transactions to Senior Credit Coverage
- Be responsive and constructive with colleagues in the Business and in Legal. Build effective client relationships, both internally and externally. Ensure that the Business’ priorities are understood, challenged and managed
- Maintain primary responsibility for the management of the on-going credit relationship by assigning internal rating, recommending credit appetite and critically assessing the output of risk measures to determine appropriateness given specific client circumstances
- Maintain a detailed and forward looking knowledge of developments in regulatory frameworks, industry and market trends across EMEA and globally when relevant
- Work closely with NA/LATAM/APAC counterparts to maintain a consistent global coverage model
- Manage one junior resource, including career development and resolution of specific development areas. Manage own workload and analyst’s workload, delegate with appropriate guidance and ensure deadlines are understood and met
- Oversees analysts’ work on key metrics to ensure all issues have been solved or escalated in a timely manner. Provide guidance and feedback on their work, especially around how to improve efficiency
- Coach and train more junior members of the team to think holistically about risk
- Strong credit skills. The candidate has to be able to lead in depth due diligence, co-ordinate and produce credit memos which will be the basis on which credit decisions are made, articulate a credit view and make credit recommendations to senior Credit Officers
- Knowledge of the Hedge Fund and Asset Management industry, fund strategies and risks inherent to them, financial markets (including macro and micro economics) is a strong positive
- A good knowledge of derivative and banking products and associated documentation (ISDA/CSA/GMRA…)
- Understanding of the theory behind the risk and return metrics (VaR, Stress, MTM, DV01, other relevant risk sensitivities), including critical assessment of shortcomings / strengths of various measures / methods
- Strong interpersonal and communication skills. Be able to establish credibility and trust with clients, product specialists and Credit Officers, and to partner with them effectively. High level of intellectual curiosity
- Some awareness of the applicable regulatory landscape and upcoming changes
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Credit Risk Associate Resume Examples & Samples
- 8+ years of experience working for a financial services company in risk management and other quantitative function
- Master’s degree (U.S. or equivalent) in Mathematics, Statistics, Economics, Engineering or a related field
- Prior work experience must include
- Building, improving, or analyzing risk management in a digital consumer or small business lending context
- Expert knowledge of U.S. credit bureau data and Risk Scorecards building infrastructure
- Utilizing SAS, R, Python (or similar) for advanced statistical analysis for strategy development
- Hands on experience on credit policy implementation using end to end decision engine and loan origination systems
- Deep understanding of available technology, products and pain points of credit decision execution
- Managing several projects simultaneously and driving end-to-end project delivery
- Experience developing policy and procedures documentation for credit risk strategy execution
- Develop and automate quality control process to ensure intended execution of credit strategies
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CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- Work across LOBs to ensure the compliance of BCBS controls in an effective data aggregation regulatory environment
- Coordinate development and implementation of special business projects by identifying and defining project objectives
- Minimum 3+ years of relevant in Business/Data Analysis/MIS
- Analytical and investigative thinker
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Wholesale Credit Risk Associate Resume Examples & Samples
- 2+ years of experience in Credit Risk or relevant experience
- Bachelors Degree in a related field
- Understanding of Corporate Finance and Banking products
- Microsoft Excel proficient (Pivot Tables, etc.)
- Degree in Business Administration, Economics, and/or Finance
- Previous experience working within a major institution covering both Investment Grade and Leveraged and/or Sub-Investment Grade clients
- Formal Credit training from a major institution
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Credit Risk Associate Resume Examples & Samples
- Reviews files to select delinquent accounts for collection efforts
- Adherence to client’s policies and procedures
- Contact Customers and / or Microsoft personnel via email & telephone
- Escalate to appropriate parties according to escalation procedure if necessary
- Handles query disputes from customers (receives queries via email & telephone, document query issues in system, research / analyze query issues & coordinate resolution of customer disputes)
- Associate’s Degree OR Minimum of 1 year of experience in Credit Risk Management or Financial Analysis
- Minimum of 1 year experience with Microsoft Office
- Minimum of 1 year experience working with Accounting systems in Accounts Receivable
- Written and spoken ability to communicate in English for Accenture interaction
- Must be a good team player
- Responsibility and accuracy in the completion of received tasks
- Reliable, proactive approach to entrusted tasks thinking outside the box is a plus
- Client industry experience a plus
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CCB Risk-consumer Credit Risk-associate Resume Examples & Samples
- Minimum five years of relevant Business Analysis or equivalent work experience
- Awareness of the business and IT strategy planning
- Strong skills in Microsoft Office product suite
- Knowledge of consumer risk management and governance concepts and project management a plus
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Counterparty Credit Risk Associate Resume Examples & Samples
- Analysis of guarantor as needed to support credit underwriting
- Assists the Debt Products Manager with review of loan documents pre-closing
- Demonstrates strong verbal and written communication skills
- Perform annual review of all financial institutions in the portfolio
- Perform interim and periodic continuous monitoring of the portfolio as required by policy and risk profile
- Provide leadership in preparing in-depth, front-end analysis, which includes gathering all necessary financial
- Counterparty Senior Credit Analyst will report to the Capital Markets Credit Process Manager as part of the Counterparty Risk Management group responsible for identifying, quantifying, and managing Regions Bank's exposure to credit risk from financial institutions and cross border exposures
- The Counterparty Senior Credit Analyst will work closely with business
- Perform comprehensive credit risk analysis of financial institutions, assessing qualitative and quantitative risk factors utilizing targeted Regions systems and processes
- Produce approval documents and risk rating assignments based on thorough understanding of bank policy, current and emerging risk trends and regulatory issues
- Proactively manage portfolio risk, monitoring assigned portfolio for emerging and evolving risk
- Develop & manage relationships with variety of business lines creating counterparty exposure at Regions
- Advanced degree in Business or Finance, or
- 2-4 years Banking experience, including meaningful experience performing formal written analysis in a bank environment
- 2-4 years of Financial Institution, Corporate or Commercial credit underwriting/portfolio management experience
- Completion of a formal Bank Credit Training program
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CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- Minimum 3 years of relevant Business Analysis or equivalent work experience
- Knowledge of system development life cycle methodologies
- Highly organized with ability to multi-task
- Strong analytical skills and writing skills, to include solid experience in writing functional and technical specifications along with procedures/process documentation
- Knowledge of consumer risk management a plus
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Rmg-credit Risk Associate Resume Examples & Samples
- Review of new counterparties (financial institutions and corporates) and establishment of credit limits
- Negotiation of legal documents
- Speaking to traders and responding to trading line requests
- Annual review of existing limits and counterparties
- Coordinate and compile internal reporting
- Assisting with transactions early in the deal process, identifying key issues and co-ordinating the credit response. Present complex structures in a concise and clear manner, including making recommendations to senior risk management staff
- Ongoing and self-initiated monitoring of counterparty and industry developments
- Opportunity to participate in client visits to gain a better understanding of the client's position
- 1 - 2 years of Credit Risk experience
- High degree of ownership, delivery and timeliness
- Outstanding qualifications, preferably with some application to commerce, finance, accounting, engineering, law or economics
- A collegial team member who builds open dialogue-based relationships with clients, the front office and colleagues
- Persuasive communication skills (both written and verbal) combined with confidence when being challenged
- In-depth analytical skills gained preferably (but not necessarily) within a financial institution
- Strong commercial orientation and understanding of business and risk-related issues
- Fluency in Italian or Spanish
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CIB Risk-credit Risk-associate Resume Examples & Samples
- Undertake credit due diligence and prepare objective credit assessments, recommend risk ratings and credit facilities for approval by Credit Executives
- Partner Credit Middle Office team to set up and resize credit lines in firm's systems
- Ongoing monitoring of assigned clients; promptly recommend changes in risk ratings and/or credit limits as appropriate
- Ensure data quality for the portfolio and take corrective measures as required
- Academic background in Finance/Accounting
- Exposure to mutual funds/hedge funds
- Knowledge of capital markets
- An eye for detail
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CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- Minimum of 4+ years experience with user acceptance testing with strong experience in manual testing, using testing tools such as AML, reviewing test cases, and the Waterfall test methodology
- Strong understanding of data capture, update, usage and other core business processes that influence the data life cycle
- Experience with business rules engines is a plus
- Strong communication, analytical, and problem-solving skills
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Credit Risk Associate Resume Examples & Samples
- Monitor public ratings of counterparties, and keep current on industry trends and rating agency criteria
- Ability to manage dynamic priorities
- Experience in technology, media, and telecom (TMT) industry is preferred but not required*LI-Q1
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CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- Minimum 5 years of relevant business or equivalent work experience
- Strong IT knowledge
- Strong analytical skills and writing skills
- IT background is a plus
51
CCB Risk-consumer Credit Risk, Associate Resume Examples & Samples
- Post-implementation monitoring and reconciliation of Credit Bureau usage including Account Review, Trigger and Batch processes
- Conduct validations of all Account Review processes ensuring outputs are accurate
- Ensure all batch processes are executed according to SLA’s and issues are escalated to appropriate stakeholders
- Assess potential end-user or customer impacts for bureau related changes
- First Occurrence and Post-implementation validation related to bureau changes
- Documentation of all related processes, flows and functional documentation
- System analysis and ongoing validation of existing and newly created attributes based on bureau environment changes
- Maintain documentation such as Test Scripts for assigned work stream(s) within appropriate repository
- Maintain appropriate Risk Control Self Assessments (RCSA’s) and business analysis/ requirements
- Bachelor's degree or higher with 2+ years of work experience
- Strong Leadership, organizational skills, communication skills and the ability to work independently
- Experience working with SAS, SQL and/or other Oracle and/or Teradata database tools
- Strong data knowledge and analytical skills
- Good understanding of the processes and procedures of the functional area and department
- Strong credit bureau knowledge / background preferred
- Experience in Mortgage or Auto Industry preferred
- Proficient with Microsoft Office suite, particularly Excel and PowerPoint
- Capacity to work under time-sensitive business deadlines
- Experience in financial services a plus
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CIB Securities Prime Brokerage Credit Risk Associate Resume Examples & Samples
- Review and recommend leverage for prospective clients where leverage request does not fall within the standard model
- Interact regularly with the front office on risk-related issues such as discussing margin changes
- Monitor and analyze market trends and movements. This involves observing market trends and estimating the significance they will have on PB client portfolios
- Assist Risk Managers in product development re margin and risk systems
- Economic commentary at team meetings
- Prior experience in, or familiarity with, Hedge Funds, Hedge Fund strategies, and Prime Brokerage
- Proficiency in basic programming languages, specifically SQL, is a plus
