Manager, Credit Risk Resume Samples

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L Johnston

Linda

Johnston

526 Edgardo Orchard

Dallas

+1 (555) 184 0646

526 Edgardo Orchard

Dallas

Phone

p +1 (555) 184 0646

Experience Experience

Boston, MA

Manager Credit Risk

Boston, MA

Schoen-Wolff

Boston, MA

Manager Credit Risk

Monitor key accounts for financial changes using D&B products and other auxiliary credit risk management tools
Ensure the proper and timely review, evaluation, and analysis of Major Account contracts for credit worthiness and risk
Manage and analyze the Daily Over Limit report and the Over Limit Expiration report (30 days prior to expiring) on a daily basis to ensure metric compliance and proper staffing
Provide education, training, daily assistance, and guidance to the national RH Credit and Collections organization with respect to credit review/assessment and risk management
Assume a solutions-oriented approach and ensure quality by setting/updating credit risk guidelines, procedures and/or models for financial structures at origination
Recommend, approve, or decline override credit limits, and produce standardized documentation and analysis to support Branch Credit (BRCRT) Override scenarios
Review, evaluate and/or approve the credit risk decisions of his/her subordinates, per the corporate signature grid

Philadelphia, PA

Manager, Credit Risk

Philadelphia, PA

Gibson, Donnelly and Emard

Philadelphia, PA

Manager, Credit Risk

Develop and sell new and existing clients, including development of marketing plans and sales strategies
Promote best practices across risk disciplines to assist the Business Units in the management of risk
Create and maintain risk management policies and procedures and effectively communicate them to the various business units
Manage various facets of engagement including risk management, project acceptance, billing, delivery, and collections
Assist audit and advisory clients in evaluating consumer loan portfolio risk assessment models
Perform financial risk management, advisory, and audit engagement assistance related to financial instrument valuations, cash flow modeling, and expected credit loss implementations
Evaluate analytical models and methodologies used in consumer credit lending, account management, and collections

present

Los Angeles, CA

Senior Manager Credit Risk

Los Angeles, CA

Rempel, Schuppe and Turner

present

Los Angeles, CA

Senior Manager Credit Risk

present

Drive data integrity between systems including developing new audits to capture data errors
Respond or action items from ticketing system or group mailbox
Drive all aspects of project testing including development of test strategy and test scripts, secure and coordinate testing resources, compile test completion metrics for test script execution (including stress tests and user acceptance testing)
Organize and maintain project artifacts (electronic and hard copy) including but not limited to: meeting notes, project plans, stakeholder presentations, issues/risk logs, testing scripts/results, go/no go criteria, deployment activities, communication materials, etc
Build relationships with clients and functional groups leading stakeholder meetings to consult on project prioritizations, project planning and identifying the best long-term strategy
Manage confidentiality of data by following established security/confidentiality standards
Act as a key HRIS resource on HR Systems projects including deployment of new functionality, system upgrades, process improvement and automation projects for core HR systems

Education Education

Bachelor’s Degree in Engineering

Seton Hall University

Bachelor’s Degree in Engineering

Skills Skills

Strong computer literacy, to include MS Office Suite but the ability to pick up new systems quickly
Strong organizational skills and the ability to prioritize work effectively and efficiently
Excellent financial analysis skills and accounting knowledge
Good judgment and decision making capability
Strong analytical, organizational, and problem solving skills with a keen attention to detail
Good credit judgment
Ability to communicate effectively, both verbal and written
Strong process improvement experience
Strong coaching and counseling skills
Knowledge of fundamental accounting concepts, procedures and techniques

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15 Manager, Credit Risk resume templates

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Manager Credit Risk Resume Examples & Samples

University degree in a quantitative discipline. MBA or Masters degree in a related field preferred
A minimum of 5 years relevant, working experience in increasingly complex and senior functions within financial services industry with a proven ability to supervise and coach staff and project management exposure
Strong verbal and written communication skills. Strong inter-personal skills, analytical ability and judgment
Working knowledge of the Basel II accord and its implications within the Canadian banking industry is necessary. Advanced SAS and Microsoft Office knowledge. Knowledge of HSBC Financial banking systems is an asset

Manager Credit Risk Policy Resume Examples & Samples

Developing and modifying complex policies and procedures through alliances with subject matter experts in the LOB, Transactional Credit, P&C Headquarters Units, Corporate Audit, Legal and Compliance and other Risk functions
Rewriting existing commercial credit risk policies into the new policy simplification framework
Ensuring policies reflect P&C’s risk appetite, proper controls, accountabilities and authorities
Researching and responding to queries received related to commercial credit risk policy
Develop communications to explain policy changes
Undergraduate University Degree required
In-depth knowledge of lending process, policies and procedures, risk rating system (Basel risk rating methodology)
3-5 years commercial loan relationship/portfolio management or credit adjudication experience
Strong credit structuring and analytical skills
Excellent time management, planning and organizing skills
Problem-solving skills, creative and adaptive thinking abilities
Highly developed written and oral communication skills
Attention to detail, tenacious
Strong proficiency in Microsoft Office products and the internet
Exceptional relationship building skills

Assistant Manager Credit Risk Resume Examples & Samples

Perform PCI reviews (priority & non-priority) to ensure that UK RBB remains complaint with policies through credit risk lifecycle of Originations, Servicing, and Collections & Recoveries. In conjunction with the Head of Credit Risk Review, review the program regularly to ensure it remains appropriate and make amendments as necessary
Ensure that work completed draws appropriate conclusions that are properly reflected in recommendations and reports. Work closely with stakeholders to ensure implementation of necessary actions to rectify issues identified in a timely way
Support the development and maintenance of robust management information to monitor conformance and identify any material weaknesses
Part of MSA testing, OET is to be performed in line with Barclays SOX Methodology to ensure and embed greater ownership & accountability for effective design of SOX process & operation of SOX controls
Complaints Data pertaining to unsecured and secured products across UK RBB are to be reviewed in line with Barclays defined policy/procedure to identify any breaches which results in customer dissatisfaction and increase in complaints
Proactively embed agreed change management initiatives in support of process & quality improvements, cost reductions and development of people
Build and maintain effective relationships with other risk practices, to ensure that new or amended procedures and standards are identified and appropriate alterations are made to the conformance work programme
Deliver service in line with agreed objectives
Masters in Business Administration (MBA) / Graduate degree with Minimum 4-6 years of relevant work experience
Practical knowledge and understanding of risks, controls, risk management tools and methodologies
Reasonable or good understanding of the main operational processes within the Businesses and a reasonable or good understanding of the procedures and control framework relating to those areas
Ability to analyse MI and provide reports capable of identifying key areas of concern
Capability to operate across a spectrum of Businesses applying risk skills and expertise to different Business processes
Proven analytical mindset and approach
Good time management and organisational skills
Broad knowledge of Microsoft Office particularly Microsoft Excel

Senior Manager, Credit Risk Policy Resume Examples & Samples

Manage complex internal enterprise risk appetite management processes
7-10 years of Commercial or Corporate banking experience desired, including managing the full cycle of credit risk
Professional designation or graduate degree, such as MBA, Chartered Financial Analyst (CFA), or accounting designation,
In depth knowledge of BMO Risk Management approach and overall knowledge of BMO
Solid knowledge of BMO Credit Risk Policies, Processes, and Products
Solid knowledge of lending processes and products, credit risk policy and practices
Understanding of multi-jurisdictional legal & regulatory environment
Awareness of the financial and business marketplace and risk issues affecting the financial services industry, particularly the regulatory environment, with particular focus on proactive management of current and future potential issues impacting on the businesses
Experience working in close partnership with stakeholders at various levels in a way that maximises their participation and leverages their support
Expert oral and written communication skills
Strong attention to detail with a proven decision making ability
Highly developed personal effectiveness skills, which include the ability to influence and negotiate, adapt to varying conditions and apply creativity and seize personal development opportunities
Ability to interface effectively with Senior Executives of BMO,
Regulators, external auditors, and industry representatives
Has been or is commercially credit qualified

Senior Manager Credit Risk Resume Examples & Samples

Act as a key HRIS resource on HR Systems projects including deployment of new functionality, system upgrades, process improvement and automation projects for core HR systems
Build relationships with clients and functional groups leading stakeholder meetings to consult on project prioritizations, project planning and identifying the best long-term strategy
Lead small to medium projects by driving activities such as business requirements gathering, business process mapping, analysis and program design; and developing formal business requirements documentation for configuration
Drive all aspects of project testing including development of test strategy and test scripts, secure and coordinate testing resources, compile test completion metrics for test script execution (including stress tests and user acceptance testing)
Suggest and maintain project documentation standards: requirements documentation, workflow creation, QA and UAT test cases
Partner with other team members to perform peer reviews of new functionality/deployments in other systems or modules. Activities include reviewing configuration documentation, testing, deployment plan, user documentation, training, etc. and any additional testing needed
Organize and maintain project artifacts (electronic and hard copy) including but not limited to: meeting notes, project plans, stakeholder presentations, issues/risk logs, testing scripts/results, go/no go criteria, deployment activities, communication materials, etc
Any other project-related support as assigned

Senior Manager, Credit Risk Methodologies Resume Examples & Samples

Actively lead application / upgrades of Moody’s Risk Frontier to perform portfolio analysis test and develop solutions for wholesale and retail economic capital methodologies
Develop approaches and review assumptions across risk methodologies, with emphasis on the Bank’s wholesale and retail credit risk (e.g. asset and default correlation models for wholesale entities; rating transition matrices/models; capital allocation approaches)
Following the Bank’s Model Risk Policy, institute and execute ongoing validation protocols for material models
Lead updates and improvement of inter-risk economic capital methodologies
Investigate broadening of exposure/portfolio coverage in risk measurement/management
Participate in industry studies and surveys of credit portfolio management best-practice (e.g., RMA, Oliver Wyman, IACPM, ORX)
Apply data management skills to provide detailed and summarized reports on credit risk exposures and capital measures of wholesale entities

Senior Manager Credit Risk Caribbean Resume Examples & Samples

Review pertinent financial and industry information and perform in depth risk assessment of incoming credit applications
Provide recommendations to senior executives and participate in discussions in Senior Credit Committees
Evaluate and provide recommendations for amendments
Assess strategies and restructuring proposals for problem accounts
Ensure the adequacy, quality and completeness of loan documentation and the preparation of authorizations to communicate the terms and conditions of the transaction
Develop a high degree of country/industry knowledge/expertise and ensure the ongoing quality of the credit portfolio through the review of industry publications, the assessment of monthly/quarterly financial reporting packages, and discussions with banking officers
Assist with the training and development of staff

Manager Credit Risk Resume Examples & Samples

Provide high quality and timely service to business units globally
Ensure prompt and timely adjudication of credit applications and periodic/annual reviews to ensure that credit applications submitted to senior/executive management and to credit committee are analyzed accurately, support information is completed and sound recommendations are made in a concise form
Transaction analysis including developing an understanding of the risk management and transaction suitability taking into account such aspects as accounting and funding implications
Administer accounts and ensure the ongoing quality of the credit portfolio by keeping abreast of external developments (via review of industry/economic trends), Bank policies and procedures
Ensure periodic/annual reviews and risk ratings are updated on a timely basis
Provide accurate data in a timely manner as requested by the various Bank offices/departments to satisfy regulatory and quarterly reporting requirements (e.g., Basel II, SOX, OSFI and GAAP)
Communicate the terms and conditions of credit authorizations accurately and on a timely basis
Ensure the Bank’s credit administration database is accurately maintained on a timely basis
Work on projects and special reviews as assigned by senior management
Review documentation governing particular credit facilities as required
Financial statement analysis and ability to conduct in-depth credit assessments of financial institutions, including forward-looking projections and stress testing
Ability to learn and apply credit analysis frameworks to complex financial institutions across multiple accounting, legal and regulatory jurisdictions globally
Knowledge of the financial sector and the main business activities of financial institutions, and ability to keep abreast of the quickly changing accounting, legal and regulatory landscape
Ability to keep up-to-date with new products and developments in financial services markets
Understanding of derivative products, sovereign (cross border) risks, deal structuring, due diligence & documentation, legal & accounting principles
Understanding of the Bank’s business activities within the sector
Risk assessment and portfolio management experience
Ability to make decisions and appropriate recommendations to senior management and effectively support such recommendations
Excellent analytical, communication, problem solving, self-management, organization and technical skills with attention to detail

Senior Manager Credit Risk Strategies Resume Examples & Samples

Manage credit risk strategies either directly or by governance and oversight across the credit life cycle stages for International Banking
For all strategies across the credit life stage, provide appropriate reporting and analysis to
Closely monitor performance to ensure each is delivering both optimal profitability and is aligned with the Credit Risk Appetite
Drive continuous improvement in strategy effectiveness with focus on incremental profitability. Leverage Champion / Challenger capabilities wherever possible to confirm assumptions and justify changes
Identify if any credit risks are or will become in excess of the Risk Appetite Framework. Move quickly to rectify including identifying root cause, making recommendations to senior management and implementing any recommended changes to any/ all of life cycle business strategies
Ensure all business line strategic priorities (i.e. retail credit growth, increasing # products per customer, cross-sell, new product launches and acquisitions, customer experience, etc) are consistent with Risk Appetite Framework. Recommend changes to business line strategies to ensure the Bank does not take on more credit risk than planned
Interact with credit risk departments across International Banking to ensure all credit risk life cycle strategies meet industry best practices and regulatory requirements
Identify new trends and best practices in credit risk life cycle
Subject matter expert on life cycle risk technology projects. For example, TRIAD, FDR, ACS, OMDM
Develop long term strategies that identify the need for risk technologies. Lead cross-functional project teams to implement. Ensure risk technologies are fully leveraged post-implementation
SAS, risk systems such as TRIAD, ACS or OMDM
Ability to communicate effectively, both orally and written, in English. Spanish would be an asset
5+ years in credit risk management or related field with demonstrated ability to lead, provide oversight and to optimize empirical-based strategies

Senior Manager Credit Risk Latam Resume Examples & Samples

Ensure well founded and profitable growth in the corporate/commercial loan portfolio of assigned units by
Providing sound and timely decisions with respect to applications for credit through competent and thorough analysis, with suitable structure, pricing, conditions and security stipulated
Ensuring that suitable recommendations are provided to senior officers to enable them to make decisions in light of a balanced analysis of credit risk
Ensure the existing portfolio is maintained at a level of acceptable risk by
Overseeing the monitoring of approved credits of assigned units to ensure adherence to conditions of credit and that problem situation are identified and remedial actions are recommended in a timely manner
Ensuring assigned units receive appropriate and meaningful feedback, provided in a constructive, non-threatening manner
Assist in the greater development of the Bank by undertaking completion of sundry duties, including the following
Participating in due diligence exercises with respect to potential acquisitions
Assisting in solving certain administrative problems, as requested, on behalf of Regional Offices, on specialized issues
Providing feedback on the effectiveness and efficiency of relevant policies, procedures, reporting and systems utilized by the Department and assigned units
Requires a thorough knowledge of the BNS Group's lending policies, procedures and practices in order to deal with the number of assigned units (portfolios vary). In addition, the incumbent is required to keep abreast of the political, economic, regulatory, tax, and legal developments, as well as funding issues, in the (usually multiple) countries that are within the incumbent's responsibilities. This is complicated by constant political change and the on-going regulatory changes experienced in the economies being micro-managed by governments/bureaucracies in many of these countries

Manager Credit Risk Originations Resume Examples & Samples

Strong knowledge in designing credit risk strategies for originations and acquisitions
Experience with use and/or development of credit risk scores and their application in strategies
Ability to communicate effectively, both oral and written
Ability to communicate in Spanish strongly desired

Senior Manager Credit Risk Originations Resume Examples & Samples

Degree in business, statistics, economics or computer science
Experience with statistical software packages such as SAS
Project management skills to prioritize, manage and implement a variety of competing initiatives on a concurrent or staggered basis
Strong financial skills complemented with solid deductive reasoning, sound judgement, and creativity

Senior Manager Credit Risk Resume Examples & Samples

Ensures the efficient and effective maintenance of a designated portfolio of loans at an acceptable level of risk, by exercising sound credit judgment in approving and recommending applications, monitoring credit quality, conditions, and collection activity, thereby ensuring loan losses are minimized
Ensures sound and timely credit decisions within Service Level Agreements and conforming to Bank Policies and Guidelines
Helps develop credit competencies of Banking colleagues in relation to accounts assigned
Good understanding of financial lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral and security documentation and registration, collection, related legislation and accounting practices
Knowledge of credit analysis framework
Strong communication skills, written and verbal
Conversant with Moody's Risk Analyst Program

Manager Credit Risk Resume Examples & Samples

Provide strategic and tactical management for the Corporate Credit Risk Assessment team
Responsible for establishing department goals and objectives, creating strategic staffing plans, hiring, training, career development, motivation, and performance management
Manage and analyze the Daily Over Limit report and the Over Limit Expiration report (30 days prior to expiring) on a daily basis to ensure metric compliance and proper staffing
Provide education, training, daily assistance, and guidance to the national RH Credit and Collections organization with respect to credit review/assessment and risk management
Assume a solutions-oriented approach and ensure quality by setting/updating credit risk guidelines, procedures and/or models for financial structures at origination
Recommend, approve, or decline override credit limits, and produce standardized documentation and analysis to support Branch Credit (BRCRT) Override scenarios
Review, evaluate and/or approve the credit risk decisions of his/her subordinates, per the corporate signature grid
Oversee and evaluate/reevaluate potential and existing customers to assess on-going credit worthiness, and perform due diligence for new customers with respect to a thorough analysis of financial statements, cash flow, and utilization of Dun and Bradstreet (D&B) products and other auxiliary credit risk tools
Monitor key accounts for financial changes using D&B products and other auxiliary credit risk management tools
Monitor market trends e.g. industry type to assist with portfolio risk management. Update account data accordingly and furnish updated information to internal clients as required
Ensure the proper and timely review, evaluation, and analysis of Major Account contracts for credit worthiness and risk
Complete credit assessment Pre-Approval requests within the defined Service Level Agreement (SLA)
Mitigate credit and operational risks for all RH lines of business
Develop, review, update, train/educate, communicate, and implement credit risk management and assessment policies and procedures while servicing a national client base
Ensure and monitor compliance with corporate policies and procedures, support and promote value-added services through credit risk centralization, standardization of policies and practices, enforcement of best practices and innovation and utilization of efficient and appropriate scoring tools and technology
Establish, review, update and/or propose modifications to Credit Risk policies and procedures that are aligned with corporate objectives and state, federal, or national compliance
Maintain and monitor D&B and other third party vendor/agency relationships, as well as other internal and external relationships
Evaluate and/or modify/upgrade enterprise-wide credit risk management predictive scoring models and research and propose another state of the art business system solutions to maximize on accuracy and efficiency
Bachelor’s degree in Business; Finance/Accounting
NACM certification helpful
7+ years’ of management experience in Credit Risk and/or Commercial Credit and Collections/ Accounts Receivable environment, leading a team of similar size
Prior experience creating a centralized corporate credit risk/assessment function desirable
Experience with integrated business systems (PeopleSoft, SAP, Oracle)
Knowledge of and experience with enterprise-wide predictive scoring models
Intermediate skills in Microsoft Word, Access, advanced Excel skills, Outlook
Technical writing skills helpful
Management experience and skills
Strong systems and process orientation

Enterprise Risk Services Manager Credit Risk Resume Examples & Samples

Lead and/or deliver credit risk client engagements
Support the financial aspects of client engagements
Work effectively as a team leader sharing responsibility, providing support and maintaining communication
Lead and/or support solution and proposal development
Conduct performance reviews as appropriate and contribute to performance feedback for staff
Contribute to people initiatives including training, recruiting and retaining ERS professionals

Senior Manager Credit Risk Latam Resume Examples & Samples

Ensures the efficient and effective maintenance of the corporate/commercial loan portfolio, by exercising sound credit judgment in approving and recommending applications, ensuring suitable recommendations to senior officers, monitoring credit quality, conditions, and collection activity, thereby ensuring loan losses are minimized
Maintaining level of acceptable risk for the portfolio by monitoring approved credits, identifying any unsatisfactory trends and monitoring the adherence to Bank policies
Assisting with undertaking completion of sundry duties by participating in due diligence with potential acquisitions, solving specialized issues or problems from Regional Offices and providing feedback for efficiency and effectiveness of policies, procedures, reporting systems within the Department
Good understanding of Financial lending policies,procedures and practices. Be up-to-date on political, economic, regulatory, tax and legal developments and political change and on-going regulatory changes in these countries. Strong decision making skills especially for high number of quick turnaround requests with limited information
Knowledge of credit requirements of banking products (loans, trade facilities, derivatives) for large corporate to mid and small sized commercial accounts
Strong ability to manage a fast paced and demanding workflow, ability to make quick decisions on credit and complex documentation
Good presentation and negotiation skills for presenting recommendation and credit application to Senior Management or Senior Credit Committee
Written and oral fluency in Spanish is an asset

Senior Manager Credit Risk Strategies Resume Examples & Samples

Quantitative degree in Math or Business (e.g. statistics, math, economics, finance, operations research, engineering etc.)
Expert knowledge in Consumer and Small Business Credit Risk lending
Thorough understanding of modeling and analytics; knowledge of SAS desirable
In-depth knowledge of Risk Management theory, processes and portfolio management reporting techniques
In-depth knowledge of the Bank’s Personal Loan and Small Business Loan product offerings
Working knowledge of experimental design principles (e.g. test and control, champion / challenger)
Strong documentation skills and strong knowledge of the MS Office suite of products (e.g. Word, Excel, PowerPoint)
Managerial skills
Minimum and recent experience in relevant industry of 7 years (people management experience of 3 years +)
Strong quantitative/analytical skills
Analytical/Systems Thinking
Conceptual/Strategic Thinking
Financial Understanding
Teamwork and Cooperation
Market/Environmental Awareness
Good communication (verbal and written) skills
Enterprising personality able to deal with tight deadlines
Ability to work with limited supervision on numerous activities simultaneously

Enterprise Risk Services Manager Credit Risk Resume Examples & Samples

LI-MANUAL-POST-
Deliver credit risk client engagements
Work effectively as a team member sharing responsibility, providing support and maintaining communication

Senior Manager, Credit Risk Models Resume Examples & Samples

7-10+ years' experience of credit risk model development in mortgage and commercial portfolio risk
Proven leadership and team and relationship building skills
Advanced experience with Microsoft Office – including Excel, VBA, Word and PowerPoint
Proficient with numerical software such as SAS, SQL, R, @RISK and MatLab
Undergraduate degree in one of the following: Finance, Economics, Commerce
CFA qualified preferable

Senior Manager Credit Risk Resume Examples & Samples

Contribute to the profitable development of Commercial Credit business in and assigned geographic area(s) by
Providing prompt and sound recommendations in the analysis and adjudication of credit proposals, including ensuring the accuracy of financial statement analysis submitted as well as assessment of risk ratings (which includes, when appropriate, an analysis of the model generated borrower and facility risk ratings for accuracy and completeness)
Providing prompt and sound analysis and recommendations on presentation of credits to higher levels of decision making
Being alert to market opportunities for reference to Senior Management, as well as ensuring that good opportunities are not lost due to poor structuring of proposals
Providing guidance and counsel to Banking in their preparation and structuring of credit applications, so that they may better serve customer needs
Drafting correspondence to the Banking to clearly convey the rationale for decisions, so that these units can deal effectively with customers
Recognizing opportunities to promote Bank products & services and conveying information to the field; and,
Providing input into the development of new lending programs and/or changes to existing lending policies, procedures and documentation
Contribute to the maintenance of an acceptable quality Commercial Credit portfolio and/or accounts in the assigned geographic area(s) by
Identifying problem lending situations and recommending appropriate remedial action to minimize losses and maximize recoveries
Ensuring maintenance of a proper follow-up system and that outstanding issues are dealt with in a timely manner
Alerting Senior Management to unsatisfactory trends and agreeing on appropriate corrective action; and,
Preparing reports for Senior Management
Contribute to the development of the Bank’s Commercial human resources by
Providing constructive guidance and training to Credit Personnel and Commercial Banking relationships on applications and advices submitted; and,
Assisting senior staff in the identification of overall training and development needs of Commercial Credit officers
The incumbent requires a good understanding of the Bank’s lending policies, procedures, and practices as well as an up-to-date awareness of the economic conditions and knowledge of a broad range of business operations with the ability to assess risk in terms of profitability, growth, liquidity and stability. Skills in analyzing balance sheets, risk assessment and developing creative and comprehensive financing proposals as well as excellent oral and written communication skills are essential. A working knowledge of business practices and law would be beneficial. The incumbent must also be able to recognize weaknesses at an early stage and take creative and comprehensive action to minimize risk and avoid losses. A strong knowledge of the Bank’s Commercial products and awareness of products being offered by other financial institutions is required
The incumbent is required to have strong PC and analytical skills

Manager Credit Risk Modeller Resume Examples & Samples

Manage a team to effectively deliver solutions for clients. The solutions are mainly scorecard development including A, B, C types of cards, and Basel II model such as PD, LGD, EAD, EC for retail exposure (pooling method), the related data cleansing and analysis, and other modeling related consulting services
Leading credit risk model validation and calibration, and other quantitative and qualitative analysis for credit risk assessment
Responsible for maintaining the quality of deliverables that the team provided. The deliverables could be model prototypes, presentations of the project results, or all materials to clients
Familiar with Credit approval and loan origination process
Familiar with risk pricing, limit management, RAROC etc
Be part of the lead to provide effective project management
Working closely with client engagement team and sales team, including developing and presenting pre-sales materials and client proposals
A Bs. master/PhD degree in mathematics, statistics, finance, engineering or a related field from a good school
Strong knowledge of the scorecard development, Basel II modeling, economic capital and portfolio management
Expert knowledge of MS Access, SAS, or similar data management and statistical programming software
Rich experience in credit risk management, commercial lending practices, banking or related discipline
Expert in Basel II guidelines
Experience in training, presentations and/or workshop facilitation
Minimum 2~3 years of analytical experience in risk modeling, risk management or consulting
Strong project management skills, relationship management skills and analytical abilities essential

Manager, Credit Risk Resume Examples & Samples

Review, validate, and develop financial cash flow models with prepayment and credit loss estimates for mortgages, credit cards, auto loans, student loans, leases, commercial and industrial loans, or guarantees
Lead projects at the Director level by managing teams and efforts for accounting and risk software, specifically loan accounting, including impaired loan accounting
Manage CECL and IFRS 9 Impairment engagements
Lead the development of gCLAS business requirements to support conversion to CECL
Expand CECL subject matter expertise on the team by supporting research, use case development, and training
Advisory or finance project experience; demonstrated project management skills as well as the ability to efficiently manage teams and resources
Modeling and accounting information systems experience related to financial accounting implementation, including requirements, testing, data transformation, and post implementation support
Minimum ten years of experience in financial services, structured finance, mortgage banking, corporate finance, or consulting industry
Advanced degree in accounting, finance, or economics from an accredited college/university; ASA, ABV, CPA or CFA certification considered a plus
Experience with Impairment and Allowance for Loan Loss accounting and risk modeling
Familiar with credit accounting, credit risk data, and developing use cases

Senior Manager, Credit Risk Resume Examples & Samples

Manage a team that actively oversees the collection of Accounts Receivables for the Mass Market business through various automated and manual process, in addition to, acting as the primary liaison to first party collection agencies
Implement and enhance collections process to automate and minimize manual touch
Create, maintain and manage to all the appropriate KPIs utilized by a collections team against benchmarks
Create material and presentations to senior management including key project updates, bad debt budget, variance analysis, and forecasting models
Work closely with internal Operations departments to influence process and policy changes that impact accurate invoicing through exceptional relationship management
Ability to handle multiple tasks in a fast paced energy commodity trading environment

Manager, Credit Risk Resume Examples & Samples

Assist audit and advisory clients in evaluating consumer loan portfolio risk assessment models
Evaluate analytical models and methodologies used in consumer credit lending, account management, and collections
Participate in the proposal process for potential engagements
Serve as mentor to staff and new hires
Progressive experience leading teams and managing projects
Established network of industry contacts and business development opportunities

Senior Manager, Credit Risk Mgmt Resume Examples & Samples

Responsible for driving adherence to Credit policies and processes across business units, primarily in Sales, and Customer Care
Responsible to gaining consensus across business units (primarily Sales and Customer Care) to implement new policies and processes that may negatively impact the metrics of those business units
Responsible for managing all Credit Compliance Audit operations and deliverables
Responsible for hiring, training, evaluating, and coaching staff as well as taking corrective action to address performance problems
Responsible for assisting with the professional growth and development of assigned staff
Oversees the execution of Credit Compliance audits and special projects to insure that scope & objectives are met, credit compliance issues and recommendations are appropriate, and quality products are delivered to management
Assess product, compliance or operational risks and develop risk management strategies
Conduct frequent internal reviews or audits to ensure that procedures are adhered to
Establish and define Credit procedures and reviews
Development and presentation of formal recommendations
Advise business partners on process improvements and risk remediation efforts
Perform Key Control activities- monitoring, testing and communicating results
Compliance Manager will deepen relationships by
5-8 years of related work experience- audit, banking and operations
Basic quantitative and financial analysis skills
Organized and detailed oriented
Proficient computer skills in Excel, Word, and PowerPoint required
Ability to gain consensus across business units (primarily Customer Care and Sales)
Ability to quickly understand business processes and identify potential gaps related to Credit Risk
Superior communication, organization and presentation skills
Project Management experience preferred
Prior risk management experience a plus
Experience with banking and lending is preferred
Wireless/Telecom experience a plus

Manager, Credit Risk Resume Examples & Samples

Perform detailed analysis of consumer credit operations across industries such as financial services, power and utilities, and telecom
Analyze large datasets using econometric modeling and other business analysis tools such as SAS
Create consumer credit loss forecasting methodologies for clients and evaluate analytical models and methodologies used in consumer credit lending, account management, and collections
Identify and communicate technical matters to both clients and upper management
Write and present clear and concise reports and presentations to clients containing meaningful recommendations
Eight years of work experience with at least two years of experience at a major consulting firm
Quantitative academic background in Engineering, Operations Research, Physics, Mathematics, or Statistics from an accredited college/university; MBA, MS, or PhD from an accredited college/university preferred
Experience with complex multivariate modeling techniques used in the financial services industry
Knowledge of credit scoring, credit analytics, and loan loss reserving for retail and/or credit
Familiarity with underwriting and behavior scoring models, prepayment and loan account attrition models, loss forecasting, economic risk analysis, and other business analysis tools used in consumer and small business lending
Ability to travel domestically and internationally
Ten years of related work experience in a financial services or consulting firm
Well-established understanding of business dynamics and regulations
Established network of industry contacts and development opportunities

Senior Manager, Credit Risk Resume Examples & Samples

Extensive knowledge of commercial and/or corporate lending is desirable
Good understanding of commercial and corporate risk assessment models (BRR, FRR and EL as necessary)
Ability to read and interpret financial statements (income, balance sheet, cash flow)
Superior planning skills, and ability to deliver high quality work under pressure
Strong analytical, problem solving and project management skills
Strong organizational and follow up skills, and careful attention to detail and accuracy
Strong time management skills and the ability to handle and prioritize multiple tasks and projects
Excellent verbal and written communication skills and presentation skills
Ability to work independently and rationalize recommendations to senior management
Outstanding interpersonal relationship building and employee coaching and development skills, including the ability to communicate effectively at all organizational levels
Demonstrated ability to serve as a knowledgeable resource, including knowledge transfer for various internal partners, across all levels
Ability to manage several competing priorities
Conversant with CARMA Credit and/or CAIRO
The incumbent must be proficient with using MS Outlook, MS Word, MS Excel, MS PowerPoint and MS Access
Experience with Moody’s RiskAnalyst™ is desirable, though not a requirement
Familiarity with the use of KMV Credit Monitor, S&P CreditModel, and other services that provide risk ratings is desirable

Manager, Credit Risk Mgmt Resume Examples & Samples

4 - 6 years supervisory experience either in banking or financial operations
Risk Management, Consumer and/or commercial credit portfolio management experience 8-12 years desired
Proficient in financial statement analysis, financial modeling and metrics
Advance proficiency in MS Office
Background in telecommunications industry a plus
Experience with CRM platforms, SQL and reporting
Minimum undergraduate degree preferable in Finance/Accounting/Economics
Post-graduate/additional professional qualifications would be a plus (CPA, CFA, lean six sigma greenbelt)

Senior, Manager, Credit Risk Resume Examples & Samples

Optimizing loan-level NPV by developing effective segmentation and customer engagement strategies
Increasing contact rates and call center efficiency by optimizing dialer performance and calling strategies using predictive behavior scoring
Managing capacity planning/staffing for a growing collections team across several call centers in internationally
Managing commission structure for all Collections functions
Developing new skip tracing tools to improve contact rates and maximize conversion
Creating monthly credit loss forecast and allowance for monthly forecasts
Calculate quarterly Allowance for Loan Loss, prepare presentation and obtain approval from senior management team. Work with external auditors during annual audit

Senior Manager, Credit Risk Resume Examples & Samples

Ensures sound and timely credit decisions conforming to Bank Policies and Guidelines
A good understanding of lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral and security documentation and registration, collection, related legislation and accounting practices
Strong organizational skills and the ability to prioritize work effectively and efficiently

Senior Manager Credit Risk Quant Resume Examples & Samples

Participate in, and lead Risk engagements, with the focus credit risk, including the link with accounting (e.g. IFRS 9)
Support banks in preparing for TRIM reviews, or help them mitigate weaknesses
Understand our full range of service offerings and actively identify and develop new opportunities to address emerging client needs
Build strong, long-term relationships with key client sponsors
Further develop an internal and international network within FSO Advisory Services and across the other service lines, like Assurance and Legal
Act as an ambassador for EY in the market across Europe
Develop people through effectively supervising, coaching and mentoring staff
Strong academic background (Master Degree in Finance, Risk, Economics, Accounting, Engineering, Physics, Mathematics, Statistics, etc, or equivalent through experience)
Between 8 – 12 years of relevant professional experience, with solid exposure to advisory
Deep understanding of quantitative modeling techniques, with practical experience in credit risk (IRB, IFRS9)
Knowledge of some key vendor packages, or frequently used programming languages (SAS, Matlab, C++, Python) in the risk and/or valuation domain
Familiar with the regulatory and accounting rules that set the context of valuation and risk management
Business development capacities (managing key stakeholder relations, eminence building, development of client relationships, etc.)
Creative (quantitative) problem solver
Fluency in French, and proficient level of business English
Team spirit, balanced by a healthy sense of autonomy

Manager, Credit Risk Resume Examples & Samples

Participate and actively manage the credit review, CIP and risk monitoring process of a diverse global institutional and high net worth client base covering a broad array of trading and derivative products. This includes managing the credit underwriting process of derivative products for high net worth and ultra-high net worth clients
Perform timely and independent credit analysis on the firm’s trading counterparties, utilizing fundamental credit analysis while taking into account the quantitative and qualitative factors including quality of its management, their trading strategies and risk management practices. Credit analysis need to concise and include key risk mitigants, with risk rating and trading limit recommendations being well supported
Perform and document AML CIP on institutional clients and work with the AML officer on issues. Work with client advisors on documentation issues and assist in performing AML risk assessments across the businesses
Work with the salespeople and high net worth clients to obtain a deep understanding of the client’s financial position, through the review of personal financial statements, cash flows, tax returns, available collateral, diverse and sophisticated portfolios as well as through meetings with clients
Assist in the approval and structuring of derivative transactions, establish collateral requirements and implement collateral and exposure monitoring across business units utilizing value at risk and other potential future exposure methodologies
Under the direction of the Credit Officer, conducts a variety of special projects, manage credit and risk initiatives to implement and strengthen risk controls and lead initiatives to develop and implement credit risk systems
Develops, prepare and analyzes key risk metrics and trends in support of monthly, quarterly and credit committee packages. Provide various administrative duties to support various credit committees
Assist in the coaching and ongoing training and development of the credit associates and interns through a combination of external training courses, self-study and self-development credit, capital markets, AML and securities regulations
Create and maintain risk management policies and procedures and effectively communicate them to the various business units
Proactively identify and drive opportunities for process improvements and efficiencies
Promote best practices across risk disciplines to assist the Business Units in the management of risk
Interface with internal and external auditors as well as regulators on exams of the credit risk management function (e.g. internal and external auditors, SEC, FINRA and FRB examiners)
Strong knowledge of the financial markets, products and risk related to such activity (e.g. Swaps – interest rate/total return, foreign exchange trading strategies, term structure of rate /yield curve, retail and commercial mortgage debt, securities based loans, etc.)
Excellent financial analysis skills and accounting knowledge
Solid working knowledge of the credit underwriting process and bank regulatory requirements
Knowledge of relevant legal, regulatory and compliance issues
Proficient in Word, Excel, Access, Qlik and Bloomberg
Ability to data mind and develop reports
Strong critical thinking and problem solving
Preparing and delivering clear, concise, and professional reports and presentations
Conduct research to assess probability and severity of risk
Work with ambiguity, manage and resolve complex issues
Influence on a senior level, while also skilled at extracting requirements from subject matter experts in designated businesses
Use appropriate interpersonal styles and communicate effectively, both orally and in writing, with all levels of the organizational
Interpret, analyze and apply information
Stay abreast of industry best practices, regulatory changes, procedures, and techniques
Attend to detail while maintaining a big picture orientation
Establish and maintain effective working relationships at all levels of the organization and across divisions
Build and maintain strong internal and external relationships
Bachelor's Degree in Finance or Accounting. MBA preferred
A minimum of 8+ years’ experience in a Credit Risk Analyst role

Manager, Credit Risk Resume Examples & Samples

Contributes to the overall growth of Commercial Banking’s loan portfolio
A good understanding of Bank lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral and security documentation and registration, collection, related legislation and accounting practices
Good credit judgment
Strong coaching and counseling skills
Prior experience with Moody's Risk Analyst Program, including the Borrower Risk Rating System, would be an asset

Manager, Credit Risk Resume Examples & Samples

Being alert to market opportunities for reference to senior management, as well as ensuring that good opportunities are not lost due to poor structuring of proposals
Contribute to the development of the Bank's human resources by
Providing feedback on the effectiveness and efficiency of relevant policies, procedures, reporting a and systems utilized by the Department and assigned units
Must be able to function effectively with a minimum of supervision and because of the high number of quick turnaround requests, requires initiative in having decisions rendered on applications, while not necessarily following set procedures. Decisions/recommendations must be made with much less than perfect information and there must be a high level of comfort with proposing/analyzing innovative structures to meet customer and Bank needs. The position has a direct impact on the "bottom line" in terms of assisting asset growth, as well as that poor analysis will attract loan losses
Requires a thorough knowledge of the lending policies, procedures and practices in order to deal with the number of assigned units (portfolios vary). In addition, the incumbent is required to keep abreast of the political, economic, regulatory, tax, and legal developments, as well as funding issues, in the (usually multiple) countries that are within the incumbent's responsibilities. This is complicated by constant political change and the on-going regulatory changes experienced in the economies being micro-managed by governments/bureaucracies in many of these countries
Credit requirements span the full spectrum of products (loans, trade facilities, derivatives) and issues (sovereign, regulatory and political risks, etc.). Borrowers range from large corporate to mid- and small sized commercial accounts. A full spectrum of industries is encountered. As such, the incumbent must possess innovative problem solving skills, as well as the seasoning to understand the full range of products and risks. Effective credit management must also be accomplished in the face of country limit restrictions and differing languages, cultures, business practices and financial systems. This is complicated in many jurisdictions by branch employees being unfamiliar with the Bank's credit culture and the high staff turnover experienced
The environment is fast paced and demanding, with highly competitive markets requiring decisions be made on credits and complex documentation within one or two days. There is no control over incoming workflow/workload

Manager, Credit Risk Resume Examples & Samples

Supervise a team that actively oversees the automated collections processes for Retail Accounts Receivable and optimization of the Mass Markets portfolio, acting as a key liaison to first party collection agencies
Lead continuous improvement efforts to (1) enhance the collections process through further automation of manual processes allowing more time on value add analysis and reporting and (2) develop additional analytics, which may include advanced analytics and/or predictive modeling, to allow for optimization of collections activities
Retain primary responsibility for oversight, maintenance, and improvement of Constellation Retail Receivables Management systems
Create, maintain, and manage to all the appropriate KPIs utilized by a collections teams, specifically Mass Markets Bad Debt metrics and 1st Party Collection Agency performance targets
Supervise the preparation of presentations to Risk Leadership and Retail Senior Management that include bad debt performance, systems integrations, continues improvement initiative updates, and other relevant topics
Work closely with internal Operations departments to influence process and policy changes that impact accurate invoicing through exceptional relationship management. Build and maintain strong relationships with internal Credit Risk counterparts and 1st Party Collection Agencies
This position requires travel to other Constellation locations and 1st Party Collection Vendors as needed (5-10 trips annually)

Senior Manager, Credit Risk Resume Examples & Samples

Thoroughly reviewing documentation to confirm the credit approved is correctly reflected and recommending amendments, as required, so that the Bank's interests are fully protected
Alerting the Department's management to unsatisfactory trends in lending practices, markets, industries, etc. and recommending suitable courses of action
Monitoring the adherence to Bank policies by assigned units and recommending actions required to correct any irregularities, amendments to policy and country/industry limits, as appropriate
Participating in the training of personnel from international offices
Assist in the greater development of the Bank by undertaking completion of sundry duties, including the due diligence exercises to potential acquisitions, solving certain administrative problems and providing feedback on the effectiveness and efficiency of relevant policies, procedures, reporting and systems
Effectively function with minimum supervision due to quick turnaround requests, requires initiative in having decisions rendered on applications, while not necessarily following set procedures. Decisions/recommendations must be made with much less than perfect information and there must be a high level of comfort with proposing/analyzing innovative structures to meet customer and Bank needs. The position has a direct impact on the "bottom line" in terms of assisting asset growth, as well as that poor analysis will attract loan losses. (See Dimensions for Lending Limits.)
The Sr. Manager will refer, with recommendations, credit applications directly to the appropriate level for adjudication (i.e. directly to the Director, or VP, or SVP). Presentations to Senior Credit Committee are signed-off jointly with an Director or a VP, subject to workflows. Therefore, the Sr. Manager is regularly faced with discussing/debating the relative merits of credits with assigned units and/or more senior management of the Department and/or the Senior Credit Committee, requiring decisions within limited time frames, involving substantial amounts, in many foreign jurisdictions. This involves tenacity, diplomacy and well developed written and verbal communication skills. Written and oral fluency in Spanish is an asset

Manager, Credit Risk Resume Examples & Samples

Ensure systems and controls are in place as outlined in policy and procedure manuals. Meets established daily, weekly, and monthly deadlines
Lead continuous improvement, including: processes, systems, and outside support targeted to improve department efficiencies thus reducing risk, improving cash flow and cutting costs
Lead a team to proactively maintain awareness/action around customer and market risks in order to minimize company risk and credit defaults
Ensure that the appropriate internal control environment and SOX compliance are maintained along with compliance to all legal and regulatory requirements
Responsible for resolution of open items and root cause analysis with resolution
Mentor, coach, and develop employees through orientation, training, establishment of objectives, communication of policies and rules, and constructive discipline; builds morale and motivation
Actively participate in Financial Shared Services organization planning and development activities
Critically review existing accounts receivable processes to initiate and drive changes that lead to best practices
Drive standardization and process improvements of accounts receivable practices across the entire accounts receivable team by partnering with other accounts receivable managers
Utilize Credit Risk tools to regularly monitor/prioritize risk and to compile high risk reports helping to identify bad debt reserves needed
Maintain positive open collaboration with accounts receivable teams, sales, finance, and customer service partners to deliver credit goals while minimizing risk
Design and consolidate reports as needed in order to flow to business needs/requests regarding ongoing credit risk mitigation
Partnering day to day with Claims and Collection in order to manage credit limit reviews/adjustments and escalations such as collection agencies and bankruptcies for all customer accounts
Bachelor’s Degree (Finance or Accounting strongly preferred)
5 years of accounts receivable risk management experience including understanding bankruptcy/legal processes
Prior management responsibility
SAP knowledge and experience preferred
Strong process improvement experience
Strong analytical, organizational, and problem solving skills with a keen attention to detail
Proven ability to analyze complex process errors, identify and implement root cause corrections
Ability to communicate effectively, both verbal and written
Good judgment and decision making capability
Demonstrated experience in driving and managing change within an organization and multiple shifting priorities desired
Knowledge of fundamental accounting concepts, procedures and techniques
Leadership skills to include: setting objectives, monitoring performance and communicating feedback on a regular basis
Strong computer literacy, to include MS Office Suite but the ability to pick up new systems quickly
Ability to excel in a fast-paced, dynamic work environment
Fluent in English, Preferably Bi-lingual in Spanish

Manager, Credit Risk Resume Examples & Samples

A minimum of eight years of work experience with at least two years of experience at a major consulting firm
Quantitative academic background in engineering, operations research, physics, mathematics, or statistics from an accredited college/university; MBA, MS, or PhD from an accredited college/university preferred
Travel may be up to 80-100% domestically and internationally
A minimum of eight years of related work experience in a financial services or consulting firm

Manager, Credit & Risk Resume Examples & Samples

Lead, motivate, coach and provide direction to the Managed Accounts Team of Senior Credit Analysts who are responsible for assessing new accounts, renewing existing accounts and monitoring conditions
Ensure that all credit reviews provide a high quality of credit structure, due diligence and appropriate security and conditions for new opportunities
Adjudicate complex new deals for National Sales team which includes negotiations with the merchant
Provide leadership team with credit analysis and recommendations for high profile Canadian opportunities
Approve credits within delegated credit limits and make recommendations to Senior Manager and AVP for deals outside delegated credit limits
Represent credit team in interactions with senior management in Branches (Retail/CBC/TDS) as well as merchants to negotiate security packages and resolve customer issues
Represent Risk Management group as part of the RFP Deal Team
Work directly with leadership team on adhoc projects/initiatives
Identify, recommend and lead process improvement initiatives to mitigate risk and streamline the overall credit assessment process
Take a leadership role within the credit group in identifying opportunities that require escalation to the bank’s regulatory risk groups
Interpret and apply TD Merchant Solutions’ Credit policies
Take a leadership role in submitting recommendations to amend the existing credit policy guidelines
Liase with the Payment Card Networks to keep abreast of changes and/or updates to regulations
Oversee and manage the process of documenting Credits in CARMA per TDMS Policy and in keeping with all Bank guidelines
Participate in projects to enhance the Analytical depth of the Merchant Solutions Credit Team
Ensure Team is knowledgeable of, and complies with, TDMS, TDBFG and Payment Processing Industry policies and procedures
Monitor Service level agreements with the applicable sales channels to ensure timelines are met
Participate effectively as a member of the Management team by contributing knowledge and skills to assist with decision making, projects and initiatives
Provide business support to the other groups within Merchant Service as well as to outside business partners, while ensuring that risk policies are upheld and maintained
Oversee monthly reporting on the Managed accounts portfolio and identify any issues/opportunities that require further escalation
Involvement with helping manage the Action Planning process for TD Pulse initiatives
Participate in leadership meetings