Retail Credit Resume Samples

The Guide To Resume Tailoring

Guide the recruiter to the conclusion that you are the best candidate for the retail credit job. It’s actually very simple. Tailor your resume by picking relevant responsibilities from the examples below and then add your accomplishments. This way, you can position yourself in the best way to get hired.

Craft your perfect resume by picking job responsibilities written by professional recruiters

Pick from the thousands of curated job responsibilities used by the leading companies

Tailor your resume & cover letter with wording that best fits for each job you apply

Resume Builder

Create a Resume in Minutes with Professional Resume Templates

CHOOSE THE BEST TEMPLATE - Choose from 15 Leading Templates. No need to think about design details.

USE PRE-WRITTEN BULLET POINTS - Select from thousands of pre-written bullet points.

SAVE YOUR DOCUMENTS IN PDF FILES - Instantly download in PDF format or share a custom link.

Create a Resume in Minutes

H Gleichner

Harold

Gleichner

539 Maryse Village

New York

+1 (555) 795 5657

539 Maryse Village

New York

Phone

p +1 (555) 795 5657

Experience Experience

Houston, TX

Retail Credit Marketing Analyst

Houston, TX

Schmidt-Rath

Houston, TX

Retail Credit Marketing Analyst

Provide product groups analysis of retail credit performance and key performance drivers
Work with internal product divisions to develop and market seasonal promotional strategies
Provide analytical research and support in helping develop promotional marketing strategies that add value for consumers and dealers that align with Polaris’ goals
Performs financial planning and analysis for the retail credit business, including compilation of the budget, forecasts, outlooks, and analysis of budget to actual results
Identify lean initiatives to streamline reporting & analysis. Make recommendations and identify solutions to reduce costs, improve speed and accuracy, and grow business
Provide analysis of Financial Services programs to achieve growth goals by developing reports, monitoring trends and measuring effectiveness
Develop and provide training to dealership F&I staff

San Francisco, CA

Retail Credit Manager

San Francisco, CA

Toy Group

San Francisco, CA

Retail Credit Manager

Provides structuring assistance, guidance and coaching to bankers and mortgage bankers (10%)
Supervise and underwrite workout and/or modification requests from customers in support of the risk management function of the portfolio
Provide strong leadership, training, coaching, performance feedback, and evaluations for team of credit analysts
Participate in monthly meetings with FP&A to establish portfolio and credit reporting
Maintain working knowledge of all regulatory standards and industry trends
Risk Management(25%)
Perform deal auditing function on a regular basis to gauge underwriting effectiveness and compliance

present

Chicago, IL

Retail Credit Administration Portfolio Risk Manager

Chicago, IL

Roberts-Howe

present

Chicago, IL

Retail Credit Administration Portfolio Risk Manager

present

Monitor peer and industry developments related to retail lending, compliance, analytics and technology, and make recommendations for enhancements to credit policies, procedures, and systems
Provide credit risk management direction and leadership to assigned portfolio segments in order to achieve planned objectives and identify segment or regional risks and trends. Work closely with line of business (LOB) leadership, Chief Retail Lending Credit Officer and RCA Senior Retail Lending Credit Officer to discuss these risks and trends and help develop corrective action plans
Perform process and policy review related to key origination, servicing, and loss mitigation activities of the retail portfolios (e.g. loss mitigation alternatives, modification programs). Review and approve loan origination, servicing, and credit-related policies prior to submission to the RCA Senior Sales Finance Credit Officer, Chief Retail Credit Officer (CRCO), and ultimately Credit Policy Governance (CPG) and Credit Risk Management Committee (CRMC)
Ensure that sound and efficient risk management techniques are implemented and maintained in key portfolio risk functions (e.g. portfolio administration, risk mitigation/fraud and loss mitigation). Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers and vendor best practices
Oversee the credit review process in the LOBs; monitor a limited targeted sample of loan approvals as necessary via loan underwriting and review forums
Perform “forensic” credit analysis to identify outliers or early-stage issues with particular products, regions, and fulfillment centers. Tactically “attack” potential problems
Provide analytical and intuitive feedback as to product guidelines and parameters based on performance study and industry data

Education Education

Bachelor’s Degree in Business

Kennesaw State University

Bachelor’s Degree in Business

Skills Skills

Solid judgment,logic and reasoning
Ability to analyze and identify exception opportunities
Good verbal/written communication and relationship building skills
Solid judgment, logic and reasoning
Planning and organizing skills and ability to manage multiple priorities
Retail sales and relationship building skills
Computer literate and familiarity with credit financial analysis techniques/tools

Create a Resume in Minutes

11 Retail Credit resume templates

Read our complete resume writing guides

Retail Credit Review Resume Examples & Samples

Minimum of seven years proven and progressive retail credit risk, lending or credit analysis experience or equivalent; loan review, loan workout, public accounting and/or federal bank examination experience strongly preferred
Minimum of a bachelor’s degree in accounting, finance, economics, related field or equivalent experience; professional certification preferred
Ability to exercise discretion, work independently within broad guidelines, tactfully handle sensitive and confidential data, deliver high quality results within tight timeframes, manage multiple projects simultaneously and assist the manager in motivating and developing a professional staff
Thorough knowledge of application of law as it applies to banking, business loans, bankruptcy, contracts, securities law, Uniform Commercial Code and real estate
Uniform Commercial Code and real estate
Demonstrated experience and understanding of Basel II framework to include Risk Rating Systems, Regulatory and Economic Capital concepts and practices Proficiency with personal computers as well as pertinent mainframe systems and software packages
Maintain current knowledge of new/emerging risk management frameworks such as Base II, Basel III. Ability to travel

Retail Credit Risk Director Resume Examples & Samples

BA Degree
9+ years of experience in a financial institution with assets over $10B
Ability to supervise others
Must have a thorough understanding of consumer and commercial lending
Must possess a solid knowledge of the laws and regulations applicable to consumer and commercial credit Total Years of Experience: 9-10+

Head of Retail Credit Resume Examples & Samples

Approval of retail credit lending applications
Credit reviews and approvals, policy enforcement and adherence
Assess risk within the delegated powers and take decisions depending on the merits of the retail credit applications
Review with dual approval of all product programmed presentations proposed by the business
Train team (internal and external) to enable them to reach a standard where they can reach a standard where they can produce accurate and fast unrisky decisions
Assist Collections in the follow- up of delinquent debt and processing and managing retail credit portfolio. (as may be required)
Guide the branches in improving Retail credit presentation / risk assessment
Communicate and liaise with retail banking group for improving and creating of new credit products
Ensure all processing of credit approvals complies with credit policy and central bank regulations
Highly qualified banker within credit and operation
Will possess an extensive knowledge within risk / credit analysis
With a minimum combined banking experience of 15 years
Candidates currently based outside the MENA region in leading financial markets will be considered
Previous experience with top tier banks or financial institutions is essential

Retail Credit Manager Resume Examples & Samples

Review, analyze, presentation and recommendation of residential first mortgage and consumer loan exceptions (65%)
Provides structuring assistance, guidance and coaching to bankers and mortgage bankers (10%)
Risk Management(25%)
Undergraduate degree or equivalent work experience
Minimum of 5 years in consumer lending to include sales, product knowledge, structuring and underwriting
Working knowledge of real estate lending products, regulatory compliance and secondary market guidelines (FNMA/FHLMC)
Working knowledge of competitive market place and trends in product offerings
Working knowledge of pipeline management skills
In depth retail lending underwriting skills
Computer literate and familiarity with credit financial analysis techniques/tools
Retail sales and relationship building skills
Good verbal/written communication and relationship building skills
Solid judgment, logic and reasoning
Ability to analyze and identify exception opportunities

Retail Credit Forecast Analyst Resume Examples & Samples

Member of a key strategic team that is responsible for a very wide range of quantitative initiatives that include valuation, risk ratings, loss forecasting, risk mitigation, but also has direct involvement in capital planning, economic capital calculation and asset allocation
Apply SAS/programming development skills along with statistical/optimization methods in a framework that will manage and institutionalize commercial scorecard design, development, validation, back testing and modeling efforts
Knowledge of financial mathematics, commercial credit analysis and accounting/finance
Attention to detail, initiative, strong work ethic, and team focus
Demonstrated combination of academic aptitude, quantitative skills, strategic and creative thinking
Writing and communication skills for documentation
Proficiency with SAS and SQL, subsidized with some Visual Basic Script knowledge within MS Excel
Data management skills and ability to source data and convert it into a usable form without the benefit of a fully-developed credit risk data mart
Ability to work on quantitative team work in a collegial environment, interacting with each other as well as portfolio managers, business lines, Treasury, Finance, and external vendors
Solid grounding in statistics, SAS/Base, SAS/Stat, SQL, VBA Script, Excel, Good writing skills, Good verbal skills, and Powerpoint

Retail Credit Administration Portfolio Risk Analyst Resume Examples & Samples

Oversee the implementation of Bank-wide retail risk initiatives, and coordinate the consolidation of risk issues and information for presentation to Executive Management, the Risk Management Committee, the Credit Risk Management Committee, and the Retail Credit Risk Management Committee
Work with RMO Analytics to build portfolio reports and analysis, including exceptions tracking, delinquency and default scorecards, stress testing models, loan pricing and return models, and loss severity models
Provide “end-to-end” execution of risk analytics projects, including support for resulting implementation/systems projects
Play lead role in building and executing complex analytical processes, such as loss estimation and non-accrual forecasting
Provide analytical support to retail LOBs, Research and Strategy Specialist (RSS) and the CRCO
Build and maintain relationships with quantitative analysts in other areas of the Bank and organize technical training opportunities with analytical staff, including Risk Management Organization (RMO) Analytics, Funds Management, Financial Management, Capital Markets and Analytical Marketing areas
Bachelor’s degree, or equivalent education and related training
Four years experience in banking, at least two of which are related to retail/consumer lending
Demonstrated ability to execute projects, learn, and work with portfolio reporting programmers and analysts
Demonstrated proficiency in basic computer applications, such as the Microsoft Office software products
Master’s degree in Business or other advanced degree
Experience conducting research projects involving credit-related matters and summarizing results
Extensive work experience in the banking and/or financial services industry, with exposure to retail/consumer lending
Experience reading and applying large complex compliance and/or regulatory rules to a business situation
Advanced skills in Microsoft Excel and PowerPoint
LDP graduate

Senior Retail Credit Manager Resume Examples & Samples

Minimum of 7 years in structuring, sales, underwriting first mortgage/consumer transactions
Expert knowledge of real estate lending products, regulatory compliance and secondary market guidelines (FNMA/FHLMC)
In-depth knowledge of competitive market place and trends in product offerings
In-depth pipeline management required
Computer literate and strong familiarity with credit financial analysis techniques/tools
Proven Retail sales and relationship building skills
Excellent verbal/written communication and relationship building skills
Proven leadership skills- coaching, mentoring and training
Excellent judgment, logic and reasoning

Retail Credit Manager Resume Examples & Samples

Minimum of 5 years in consumer lending to include sales, product knowledge,structuring and underwriting
Working knowledge of real estate lending products,regulatory compliance and secondary market guidelines (FNMA/FHLMC)
Solid judgment,logic and reasoning

CO OP Associate Retail Credit Risk Resume Examples & Samples

Developing product and regional knowledge/expertise
Assisting with the development of statistical derived strategies (rules and decision flows) for Scotiabank’s retail, small business and/or wealth management lending products portfolios using data extraction, data manipulation and summarization techniques
Assisting in the design and development of diagnostic test cases to detect any possible error prior to their implementation in the bank’s prorietary programs
Translating new business rules/policy changes from management into system requirements
Participating in testing and verifying changes with various groups/users/delivery channels
Providing /updating documentation for changes which would be readily available for regulator and internal auditors to review
Identifying problems/issues and recommend appropriate methods to correct the problem
Other tasks as assigned, i.e. research, assisting in special projects, etc
University degree in Statistics, Math, Economics, Engineering or related quantitative degree
Strong quantitative analytical skills and demonstrated use of analytical and related programing tools such as SAS, SQL, VBA or statistical / data mining software
Advanced knowledge of quantitative data mining and statistical analysis techniques. Prior experience with Risk technologies such as Probe, TRIAD, Origination Manager or equivalent are a definite asset
Process oriented with critical reasoning and problem-solving ability
Ideally two years’ analytics experience working with financial consumer/retail products or retail credit lending
Attention to detail with a strong ability to multi-task while maintaining a high work standard
Demonstrated flexibility in adapting to constantly changing environments
Proven decision making and judgement skills
Demonstrated critical thinking skills and the abilty to effectively communicate risk matters to a variety of audiences, verbally and in writing
Fluently in Spanish is an asset

Retail Credit Risk Specialist Resume Examples & Samples

Provide Basel III subject matter expertise in retail credit RWA measurement and reporting
Interact confidently with members of Risk Governance, Retail Risk Management, Risk Architecture, and Corporate Reporting to recommend improvements to existing regulatory capital framework for retail exposures and to establish appropriate policies
Frequent interaction with senior members of Risk Management and Finance, as well as the banking regulators
Understand the retail credit risk system and framework, and data requirements
Work with other areas of risk management to develop and enhance existing framework and applications for credit risk analysis, benchmark exercises, regulatory QIS, CCAR and other stress testing exercises
Bachelors level degree required, MBA preferred.in finance or accounting
Candidate will have 10+ years in related field and have excellent understanding of the retail products offered by Citigroup globally, including residential mortgages and credit cards, as well as retail portfolio risk management practices and procedures
Working knowledge of Basel III retail credit risk concepts and related RWA calculation and reporting
Develops good working relationships with senior management; preferably experience with Citi’s Retail Risk Management organization around the globe
Strong written and verbal communication skills are required and ability to create clear and executive summaries. Good organization skills and detail oriented
Strong analytical skills; Keen interest in banking and finance, especially in the field of risk and capital management

Retail Credit Administration Portfolio Risk Manager Resume Examples & Samples

Provide credit risk management direction and leadership to assigned portfolio segments in order to achieve planned objectives and identify segment or regional risks and trends. Work closely with line of business (LOB) leadership and RCA Senior Sales Finance Credit Officer to discuss these risks and trends and help develop corrective action plans
Communicate expectations relating to quality, profitability and growth of the portfolio segment. Help to instill the BB&T credit culture. Raise the awareness of key risk management issues to management; monitor, evaluate and influence regional execution. Serve as an educational resource for credit training
Review components of a retail LOB’s credit risk management processes within origination and servicing. Identify potential areas for improvement to credit risk management. Consider operational risk issues that may contribute to credit risk. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers and vendor best practices. Act as the catalyst for credit risk improvement
Perform process and policy review related to key origination, servicing, and loss mitigation activities of the retail portfolios (e.g. loss mitigation alternatives, modification programs). Review and approve loan origination, servicing, and credit-related policies prior to submission to the RCA Senior Sales Finance Credit Officer, Chief Retail Credit Officer (CRCO), and ultimately Credit Policy Governance (CPG) and Credit Risk Management Committee (CRMC)
Ensure that sound and efficient risk management techniques are implemented and maintained in key portfolio risk functions (e.g. portfolio administration, risk mitigation/fraud and loss mitigation). Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers and vendor best practices
Oversee the credit review process in the LOBs; monitor a limited targeted sample of loan approvals as necessary via loan underwriting and review forums
Provide credit risk insight and oversight regarding credit risk management over major product segments (e.g. Dealer Financial Services: Indirect Auto, Recreational Lending, Regional Acceptance Corporation, Portfolio Acquisitions Group (PAG), Hann Financial, and Sheffield Financial). Perform business risk assessments, as required
Perform “forensic” credit analysis to identify outliers or early-stage issues with particular products, regions, and fulfillment centers. Tactically “attack” potential problems
Provide analytical and intuitive feedback as to product guidelines and parameters based on performance study and industry data
Partner with the LOB in the development and implementation of new and revised credit policies and procedures; direct their review and approval by the appropriate committees
In conjunction with the LOB and RCA, ensure that new or revised product offerings, product delivery, and refinements are consistent with Bank's prescribed risk appetite
Participate in the approval or monitoring of pricing strategies, as directed
Monitor lender, dealer, correspondent or underwriter scorecards that are used to monitor loan quality and certain performance indicators for each lender
Provide additional risk management leadership via associated risk committees; communicate portfolio performance relative to goals to management; and deliver presentations to management teams
Monitor problem assets of assigned segments (delinquent loans, non-performing assets and charge-offs) to limit credit losses through regular communication with loss mitigation teams and Special Assets
Interact with outside bank examiners, internal and external auditors and other external parties to provide necessary information regarding Bank’s retail lending portfolio/segments
Monitor peer and industry developments related to retail lending, compliance, analytics and technology, and make recommendations for enhancements to credit policies, procedures, and systems
Perform portfolio segment analysis and review of potential targets or acquisitions, as required
Bachelor’s degree in Business or related field, or equivalent education and related training
Ten years of relevant credit experience with a heavy emphasis in loan administration and credit risk management
Master of Business Administration (MBA) or graduate degree in business-related field
Graduate of outside banking management school

Retail Credit Administration Portfolio Risk Manager Resume Examples & Samples

Provide credit risk management direction and leadership to assigned portfolio segments in order to achieve planned objectives and identify segment or regional risks and trends. Work closely with line of business (LOB) leadership, Chief Retail Lending Credit Officer and RCA Senior Retail Lending Credit Officer to discuss these risks and trends and help develop corrective action plans
Perform process and policy review related to key origination, servicing, and loss mitigation activities of the retail portfolios (e.g. loss mitigation alternatives, modification programs). Review and approve loan origination, servicing, and credit-related policies prior to submission to the RCA Senior Retail Lending Credit Officer, and ultimately to Credit Policy Governance (CPG) and Credit Risk Management Committee (CRMC)
Provide credit risk insight and oversight regarding credit risk management over major product segments (e.g. Wealth Management and securities-secured loans). Perform business risk assessments, as required

Senior Manager Wealth Management & Small Business Non Retail Credit Risk Resume Examples & Samples

Ensure sound and timely credit decisions conforming to Bank policies and procedures by
Ensuring credit applications are properly, accurately and completely investigated, analyzed and documented in relation to Bank policies and procedures
Consistently exercising credit judgment in approving and declining credit applications within established limits
Presenting recommendations on credit requests above established limits,
Oversees an assigned portfolio, monitors unsatisfactory trends in risk ratings, credit conditions, overdue reporting, annual reviews etc., and initiates corrective action
Ensures Credit requests are adjudicated promptly, efficiently and consistently
Maintains a current awareness of the Bank's loan policies, economic and business trends
Restructures credit requests as necessary to make bankable deals in line with Bank policy and guidelines. Negotiates with Bankers and Unit Heads to ensure credit terms and conditions are appropriate to ensure sound risk selection and that client needs are met
Liaise with business partners in Canadian Banking and Global Wealth Management to maintain open communication to ensure good service levels are provided to internal customers
Utilize clear verbal and written communication of credit decisions to business unit management with the provision of coaching and guidance when applicable to ensure the rationale behind a credit decision is fully understood
Participates in projects to ensure better efficiencies and uniformity/transparency to existing processes and procedures
Provide coaching and guidance to Wealth Credit Solutions and Private Banking concerning credit applications
Contribute to the development of field staff by identifying training needs
Complete training and development requirements as applicable
A comprehensive knowledge of the Bank's products and services
A strong 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
A good understanding of the Bank's operating policies and procedures
Proven credit judgment
Proven ability in administering a credit portfolio
Strong negotiation and problem resolution skills
Strong communication skills, written and verbal, in order to produce informative, concise and professional credit replies, presentations and correspondence
Strong organizational skills and the ability to prioritize work effectively and efficiently
Good coaching and counseling skills in credit

Head of Global Retail Credit Review Oversight & Execution Resume Examples & Samples

Lead coordination of key management initiatives with support from nominated Retail Review team members
Modification and enhancement of test or coverage areas and identification of Focus Reviews in consultation with the Global Head, and as applicable, with internal and external stake-holders
Participate in select reviews in consultation with Global Retail FCR Head
Management of standards, processes and reporting including the following
Breaks silos and builds partnerships across functions and regions; collaborates well with others
Creates and sustains a network of strong relationships
Can influence senior executives and key clients – internally or externally
BA/BSc or higher degree in Business (MBA), Finance or any other related subject
Senior Credit Officer qualification preferred

Retail Credit Card Product Manager Resume Examples & Samples

Lead the implementation and delivery of a product solution across multiple teams and delivery channels including Marketing, Sales, Operations, and Information Technology. May lead and/or manage a product management team supporting multiple market segments with end-to-end product capability: vision, strategy development, and implementation
Manage a product development and management process designed to deliver a market differentiated product set in retail, commercial, and emerging market segments. Conceptualize new feature/functionality of assigned product(s); translate product specifications into functional requirements
Lead the team to develop and implement product strategies and enhancements for multiple products/product lines in defined market segments designed to differentiate BB&T from its competitors through integration; lead and direct cyclical comprehensive product reviews focusing on product performance and profitability. Bundle multiple products into single product offerings; segment products by various characteristics
Monitor competitors (bank and non-bank) to report on developing trends and potential impacts to BB&T. Oversee the development of strategies and plans to identify strategic opportunities in the marketplace
Stay abreast of economic, regulatory, and competitive developments as they impact product areas
Lead and manage the design and implementation of product plans, including development, enhancement, promotional and pricing recommendations. Consult with executive management in the design, pricing, and implementation of product strategies
Lead the development & execution of the product development and product plans; monitor and report profitability and product performance metrics (including transaction volumes, revenue and number of clients monthly)
Provide leadership and direction to the Marketing Department in developing promotional programs for assigned products
Develop and expand partnerships with other business units or external parties to coordinate promotional, development, and product positioning strategy and activities
Develop, manage, and is accountable for departmental budgets and business priorities in accordance with established guidelines; administer compliance to meet budgetary goals and negotiates changes as required
Participate in appropriate trade and related groups to ensure knowledge of industry “best practices” and to ensure BB&T's strategic interests are represented
Five years of work experience in a bank, consulting firm or financial service company, working on teams with responsibility for strategic planning, product management, sales force effectiveness, and industry analysis
Seven or more years of management experience
Strong leadership and marketing skills specific to financial services solutions for business clients
Ability to interact with senior management and clients
Interpersonal skills that build trust and teamwork with peers, direct reports, business partners and clients
Superior verbal, business writing, and presentation communication skills
Superior influencing, negotiating and conflict management skills
Ability to represent BB&T in a professional manner at conferences, seminars and client interaction
Visionary in terms of fully advancing concepts to implementation and subsequent stages of product life cycle management
Skilled at attracting, developing and assessing associates to produce improved results
Ability to utilize Microsoft Office products including Excel, Word, and PowerPoint
Ability to travel as needed, occasionally overnight
Superior ability to synthesize complex information to communicate effectively with associates at all levels
Exceptional judgment in balancing level of information precision and data gathering with tradeoff of time and business need criticality
Superior level of emotional maturity and tact
Direct experience managing capital investment and business line profit and loss
Advanced experience crafting and socializing complex business cases
MBA or an Advanced Degree
Certified Treasury Professional (CTP) or Accredited ACH Professional (AAP) professional certifications, or any individual combination of alternate professional certifications/licensure such as Certified Management Accountant (CMA), Certified Financial Manager (CFM), Series 7, 63, 24

Head of Retail Credit Risk Analytics Resume Examples & Samples

Degree holder or above
Professional Qualification such as CFA or FRM is preferred
At least 7 years of experience in retail credit
Good experience in designing retail credit risk framework
Proven track record of team management skills
Strong communication skills in English and Chinese languages

Retail Credit 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 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

Retail Credit Risk RWA Analyst Resume Examples & Samples

Executing and identifying opportunities to refine existing methodologies and introducing sophisticated techniques for RWA projections of Retail exposures (Basel III Standardized and Advanced approaches)
Substantively contribute to RWA Actuals production as well as RWA forecasting methodologies and documentation including supporting artifacts
Contribute to the creation of Senior Management-ready materials, particularly CCAR presentations to Lines of Businesses, Independent Risk Management, Finance and Regulators
Review Retail risk exposure calculations and forecasts for Basel, CCAR and DFAST requirements. Define and establish quantitative analysis (e.g. sensitivity analysis with linkage to macroeconomic variables), critical challenge of assumptions and results processes for Retail RWA with respects material portfolio and major risk factors
Understand the linkages and interconnectivity between stress loss models and RWA forecasting models
Develop a strong working relationship with FP&A, Treasury Front Office, Technology, Audit and Independent Risk and other counterparts across the organization
Retail RWA Model compliance working closely with the model development, model validation, consumer risk management and functional validators of the models
Produce and explain results to Senior Management and/or Regulators
Identify potential process improvements and capabilities to increase consistency, transparency, and reliability of stress testing results
Comprehensive understanding of CCAR requirements and processes – abreast with the latest CCAR guidelines, understanding the data, oversee the submissions, synthesize the submissions, coordinating with other work streams
In-depth knowledge of US Basel requirements specifically for Retail Basel – AIRB & Standardized approaches, and related publications
Expertise in CCAR clearly a plus, but if not, sufficient expertise in managing a similar stress testing regime or proven ability to quickly come up to speed in managing a complex financial reporting process of comparable in complexity to CCAR
Good understanding of principles of accounting for (bank) credit assets, capital and ALLL/LLR
Ability to independently and effectively work across all levels of management and across functions including navigating through organizational complexity and demonstrate organizational savviness
Ability to define, articulate and re-engineer complex processes and procedures, with appropriate controls, and think both strategically and tactically while driving meticulous execution
Exceptional oral communication and writing skills, with ability to synthesize complex concepts, and translate into "user-friendly" language for multiple audiences, including senior management, multiple internal constituents and regulators
Ability to manage multiple priorities and tasks, work well as part of a team, and exhibit strong people and influencing skills
Strong attention to detail, willingness to "roll up sleeves" and produce a polished, high quality, accurate product; tireless work ethic with ability to work well under pressure
Strong Microsoft Excel skills and the ability to quickly develop advanced knowledge of MS Excel and Access (or other database front end query applications) and the ability to work with large amounts of data
5+ years of experience in a related field

Retail Credit Administration Correspondent Lending Portfolio Risk Mana Resume Examples & Samples

Provide credit risk management direction and leadership to CL in order to achieve planned objectives and identify segment or regional risks and trends. Work closely with ML Portfolio Risk Managers, ML Senior Risk Manager, ML and CL management teams, and the Senior Consumer Credit Risk Officer to discuss these risks and trends and help develop corrective action plans
Provide credit and operational risk insight and oversight for all major product segments of the CL channel (e.g. Agency, CorrAdvantage, Federal Housing Administration (FHA), Veteran Administration (VA), United States Department of Agriculture (USDA))
Communicate expectations relating to quality, profitability and growth of the portfolio. Help to instill the
In conjunction with CL functional managers, perform process and policy review related to key origination activities, underwriting, and loss mitigation activities of the bank-owned portfolio and investor-owned portfolio. Review and approve loan origination, counterparty management and credit-related policies
Ensure that sound and efficient risk management techniques are implemented and maintained in key portfolio risk functions (e.g. portfolio administration, risk mitigation/fraud, loss mitigation)
Utilizing credit analytics resources, perform "forensic" credit analysis to identify outliers or early-stage issues with particular products, regions, correspondents, and fulfillment centers. Develop action plans to successfully mitigate potential exposure
Ensure CL produces a top-tier quality sold portfolio as measured by key investors
Engage with Government Sponsored Enterprises (GSEs) (e.g. Freddie Mac, Fannie Mae) as to their credit statistics and findings. Lead/facilitate actionable improvement plans as needed
Lead the development and implementation of new and revised credit policies and procedures after recommendation to and approval by the Loan Policy Committee (LPC) or other appropriate committees
In conjunction with Mortgage Lending Administration (MLA) management, ML Risk Manager and Senior Credit Officer, ensure that new or revised product offerings, product delivery, and refinements are consistent with the Bank's prescribed credit risk parameters
Participate in the approval or monitoring of pricing strategies as directed by ML Senior Risk Manager
Review and approve all new and existing correspondents in accordance with the CL Counterparty Approval and Renewal Policy. Serve as co-chair on the Correspondent Watch List Committee (CWLC) which is responsible for disposition of correspondents determined to present an elevated risk to the Bank
Monitor correspondent lender scorecards that are used to monitor loan quality and certain performance indicators for each lender. Develop new tools for identifying emerging risks within the CL client portfolio and implementing prompt mitigating actions
Provide additional risk management leadership via Mortgage Credit Risk Committee, among others; communicate portfolio performance relative to goals to MLA management, and deliver presentations to management teams
Monitor problem assets of CL portfolio (e.g. delinquent loans, non-performing assets, charge offs) to limit losses through regular communication with Loss Mitigation teams and Special Assets
Monitor lessons learned from repurchases, make wholes and charge-offs and take appropriate actions to prevent issues from recurring
Interact with outside bank examiners, internal and external auditors and other external parties to provide necessary information regarding the Bank's ML portfolio/segments
Monitor peer and industry developments related to ML, compliance, analytics and technology and make recommendations for enhancements to ML's credit policies, procedures, and systems
Bachelor's degree in Business or related field, or equivalent education and related training
Ten years of relevant experience; including five years of large/regional bank experience or mortgage banking credit experience with heavy emphasis in loan administration and credit risk management
Knowledge of bank operations/systems and compliance/regulatory issues
Must be flexible, creative and willing to be objective in decision-making
Master’s degree in Business or related field
Experience in technology-based, multi-project work environment

Portfolio Manager Retail Credit Risk Resume Examples & Samples

Transforming the way Retail Risk is managed in order to reflect the growth strategy of Barclays Africa
Managing the allocated Barclays Africa Retail Credit Risk portfolio and profile within its risk appetite and acceptable Group parameters
Developing a high performance culture in the country risk teams
Driving the development of the Barclays Africa Retail Credit Risk and Portfolio agenda and underpinning performance metrics/infrastructure in a multi-geography environment
Contribute to the development of a world class Barclays Africa cluster credit risk model infrastructure (50%)
Lead Retail Credit Risk Policy, Portfolio Management and strategy for allocated Barclays Africa ensuring a robust risk framework and that the strategic risk is effectively managed to deliver the agreed returns
As the key member of the Barclays Africa Regional Risk team recommend policies, strategies and procedures to improve the management of Retail Credit Risk in line with the Barclays Africa Retail and Business Banks Strategy
Lead the articulation of the Retail Risk Management framework for specified risk types (credit, portfolio, operational risk) in allocated countries
Articulate and establish appropriate governance for the allocated country Retail Credit Risk teams
Contribute to the establishment of an appropriate strategy and enabling policies for the regional risk teams as well as the country risk teams in line with the RBB strategy
In partnership with the Country Retail Credit Risk teams take responsibility for the retail credit risk strategy performance in delivery of the plan
Deputise as required for the Head of Retail Credit Risk
Risk Management & Control (35%)
Contribute to the articulation and establish appropriate governance as a SBU and for all of the managed countries for all of the Barclays African countries in line with the Barclays Africa strategy
In partnership with the Country Retail Credit Risk teams take responsibility for the retail credit risk strategy performance and control environment in delivery of the plan
Support the Head of Retail Credit Risk in delivering the Retail Credit Risk performance and control plan
People Management (15%)
Contribute to the improvement in retail credit risk capability in terms of people, process and measurement for allocated countries
Contribute to the development of mobility and talent management plan across the country regional teams
Actively participate in the regional and country performance management and recruitment process
Ability to operate at a strategic level in ambiguous / dynamic environments
Proven retail credit risk and SME knowledge and experience across secured and unsecured products. Also developed and managed credit risk policies and strategies
Experience of managing diverse and senior stakeholders across a group
Proven leadership of a material Retail Credit Portfolio and ideally across a number of countries
Proven experience of accounting and regulatory policies applicable to the management of retail credit risk
Experience of building and transforming credit functions

Retail Credit Manager Resume Examples & Samples

Provide strong leadership, training, coaching, performance feedback, and evaluations for team of credit analysts
Coordinate, review and approve credit transactions within delegated authority
Underwrite large ticket transactions as dictated by business needs, which includes review and analysis of complex financial statements
Interact with Dealers, Customers, and Sales to negotiate loan and lease structuring, pricing, and collateral requirements for transactions
Create, recommend, and implement credit polices and procedures to maximize funded business while minimizing risk, managing portfolio delinquency, and improving underwriting quality
Implement customer focused processes to streamline and improve organizational efficiency
Recommend appropriate credit authorities to executive management
Develop metrics to measure department efficiency
Participate in monthly meetings with FP&A to establish portfolio and credit reporting
Define and communicate requirements for credit systems and recommend future systems enhancements, to effectively streamline transaction lifecycles, maximize efficiency and meet turnaround time goals
Review and negotiate transactional documentation with dealers, customers, and internal departments
Analyze new business to effectively communicate risk and opportunities to senior management
Develop and communicate processes based on business policy, system, or infrastructure changes
Ensure accurate and complete documentation compliance
Perform deal auditing function on a regular basis to gauge underwriting effectiveness and compliance
Model The Volvo Way and ensure The Code of Conduct is followed
Supervise and underwrite workout and/or modification requests from customers in support of the risk management function of the portfolio
Perform other special projects as required by the business
Responsible for hiring recommendations and decisions
BA/BS in Business, Finance, Economics or related; Master’s degree a plus
7+ more years’ experience in heavy equipment loan or lease underwriting both large and small transactions with proven record of achievement in credit structuring of commercial transactions
2+ years’ leadership/managerial skills and/or experience leading teams in a corporate environment
2+ years’ experience in senior underwriting managing large ticket transactions in excess of $5MUSD total exposure
Proven UCC-1 knowledge, and thorough understanding of Lease and Loan Documentation with ability to work with and understand requirements of internal and outside counsel
Proven record of sound underwriting decisions
Wholesale financing analysis experience a plus
Collections experience a plus
Work experience successfully negotiating and closing transactions directly with customers through dealer organizations
Experience presenting credit risk, structure and documentation to credit committee, legal counsel, sales, etc
Experience with credit bureau/PayNet and other sources (bonding, insurance, finance, trade)
Knowledge and ability to work in an automated credit scoring environment
Experience with analysis of complex financial statements and prepared written reports
Experience training others on credit processes
Ability to work independently, exercise sound business judgment, and manage multiple transactions in a fast paced, demanding environment
Demonstrated ability to build successful internal and external business relationships
Effective written and verbal communication skills and strong interpersonal skills
Exceptional presentation skills
Fluency in reading, writing and speaking English; additional languages a plus
Intermediate to Expert level in Microsoft Office (Excel at Expert level is desired)

Portfolio Manager Retail Credit Risk Resume Examples & Samples

A B.Sc-degree Honours or B.Com Honours,
MBA or a related NQF Level 9 equivalent qualification very preferable
5 years’ experience in the Banking sector which must include proven experience, preferably with international exposure and having worked in multiple locations/ countries
3 years’ experience in managing a large portfolio
3 years’ experience on a senior management level in a large corporate essential
If this career opportunity is in line with your career interests and skills, we look forward to receiving your online application

Retail Credit Controller Resume Examples & Samples

Day to day credit control for a designated group of customers
To communicate regularly with SDM, Commercial and Credit Control Team Leader on all matters relating to credit control
Ensuring correct administration of customer accounts
Day to day administration support e.g. copy invoices, statements etc…
Liaise with the Legal team and ensure the necessary actions take place in regard to unrecoverable debt
Excellent planning and organisational keys
Must be able to work well under pressure
Must be able to communicate effectively
Ability to work in a changing environment
Essentially a team player, however, self-motivated with ability to work on own initiative
Strong customer service ethos
Competent user of Excel and familiar with windows based products
Experience with ERP system
Credit control experience preferred but not essential
Understanding of the Greene King business models

Retail Credit Marketing Analyst Resume Examples & Samples

Provide analysis of Financial Services programs to achieve growth goals by developing reports, monitoring trends and measuring effectiveness
Help manage multiple bank partner relationships to balance profitability of retail credit programs
Partner with banks to drive retail sales through innovative marketing/sales campaigns
Provide product groups analysis of retail credit performance and key performance drivers
Performs financial planning and analysis for the retail credit business, including compilation of the budget, forecasts, outlooks, and analysis of budget to actual results
Work with internal product divisions to develop and market seasonal promotional strategies
Work cross-functionally to support internal teams (IT, customer and dealer support, technical service, accounting)
Identify lean initiatives to streamline reporting & analysis. Make recommendations and identify solutions to reduce costs, improve speed and accuracy, and grow business
Assists Financial Services team with long range plan (LRP) and annual operating plan
Develop and provide training to dealership F&I staff
Enhance dealer communication for financing programs to help drive sales for product divisions
Provide analytical research and support in helping develop promotional marketing strategies that add value for consumers and dealers that align with Polaris’ goals
Lead efforts to drive innovation by identifying market trends, conducting competitive research, and benchmarking
Bachelor’s degree in business related field
Strong organizational & analytical skills, experience with forecasting, modeling and marketing B2B and to end consumers
At least 5-7 years’ experience in business environment; powersports or financial services experience preferred
Ability to work effectively individually and in a team environment
Experience managing third-party vendors/partner relationships
Experience managing departmental P&L and marketing plans
Strong knowledge of office software including Word, Excel, PowerPoint. Familiarity with Access and/or Oracle software a plus

Retail Credit Audit & Internal Controls Senior Analyst Resume Examples & Samples

College Degree or Equivalent Job Experience
Three to five years of Banking experience, preferably in Audit, Risk and/or Credit Operations
Familiarity in using word processing or report-writing tools (i.e., Word, Crystal Reports, Excel, Web Intelligence)
Possesses effective writing and good verbal skills to interact with external and internal auditors and management
Previous experience as a Systems Administrator for a Loan Origination System
Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc
Primary contact person for all controls, audit, and regulatory aspects of the in-scope business units including notification of audit schedules, conducting pre-audit activity, managing active audit processes, developing responses, and coordination of post-audit-related activity
Develop and implement internal procedures to create, implement, evaluate and enhance key controls processes
Responsible as System Administrator for the B2B and B2D loan origination systems
Partner with Retail Credit Operations Systems Analysts to ensure system compliance with Internal, External, and Regulatory requirements
Participate in the development of Business Unit internal procedures and self-assessment tools to ensure best practices are implemented, compliance with Internal, External, and Regulatory requirements is maintained, and continuous monitoring is performed
Perform periodic reviews of all departmental published materials including procedures manuals, departmental guidelines, training guides, business continuity plans, and other materials to ensure they are up-to-date, clear, and accurate

Retail Credit Analyst Resume Examples & Samples

Business - 2+ years of experience
Accounting
Business Administration
Economics
Problem Solving Skills

Retail Credit Risk Analysis Senior Specialist Resume Examples & Samples

Support the Enterprise Credit Risk Consumer Vehicle Lending team with data and reports used to manage credit risk. Collaborate with the ECR team to understand requirements, develop data and reporting, identify efficiencies, and control production. Analyst will also support the goals and objectives of the Credit Risk Information Simplification (CRIS) project, focusing on report automation and simplification
Support the development of Competitive Intelligence reporting in order to understand Bank of America’s position in the market. This includes both production and adhoc analytics across all consumer products. This role may include interaction with credit bureau partners and testing of new competitive intelligence tools
Ensure adherence to all data standards outlined by Enterprise Data Management (EDM). Design robust, well documented procedures that ensure repeatability of processes. Ensure controls are in place across all processes to deliver data and reports that are fit for use
3+ years of SAS/SQL experience
3+ years of Risk or Reporting/Data Management experience
Ability to quickly assimilate complex information and provide analysis
Ability to multi-task and partner with team members across different organizations

Head of Retail Credit Sanctioning Resume Examples & Samples

Providing comprehensive feedback, and applying your expertise and specialist knowledge of markets and emerging trends
Working with the credit policy and portfolio optimisation teams to enhance products and policies
Ensuring all the retail products we offer are compliant with the regulatory and credit risk management standards
Leading initiatives to optimise our use of technology, processes and operating rhythm in the sanctioning unit

Retail Credit Controller Resume Examples & Samples

Customers
Own team
Other managers
Other staff
Ensure compliance with all relevant legislation and specifically that regulated by the Financial Conduct Authority relating to Data Protection, Consumer Credit Act (CCA), Money Laundering, Treating the Customer Fairly (‘TCF’) and attend update training as may be required from time to time
To perform FCA compliance monitoring and assess outputs
To prepare and action Direct Debits
Use the telephone, correspondence and statutory notices as appropriate to collect overdue receivables bringing customers back to their contractual payment terms
To respond in an informed, constructive and professional manner to customer’s requests for information and queries relating to invoicing to remove potential barriers to payment
Maintain and protect individual credit files in accordance with statutory and credit agency requirements
Where required, liaise with collection agencies and solicitors to ensure successful legal action
Ensure direct debit drawdowns are made with 100% accuracy
Liaise closely with other Hitachi Capital teams whenever required to maintain the right balance of good customer relationships and best result for Hitachi Capital
Work with the team to ensure that the contractual processes are undertaken effectively at all times. This includes the timely despatch of appropriate agreements, pre contract information and other documentation to all customers and the communication of agreed order information to customers (where appropriate) against SLA’s
Work with the team to keep all records of agreements, actions and modification to agreements up-to-date in the department’s systems and to ensure that there is always a robust easily accessible audit trail available to internal and external assessors in the event of process-audits taking place
Seek, communicate and implement, where appropriate, process improvements thus increasing the efficiency of the Credit Team
Carry out such tasks as required by the Retail Account Management team leader to ensure the efficient operation of the Credit Team
To undertake any other duties as specified from time to time in accordance with Hitachi Capital (UK) PLC's business requirements
Ensure compliance with all relevant legislation and specifically that which relates to Data Protection, Money Laundering and Treating the Customer Fairly (‘TCF’) and attend update training as may be required from time to time
To ensure compliance with SOX requirements you need to ensure ongoing compliance with the following objectives
Firm knowledge of the Consumer Credit Act (CCA) Data Protection and Financial Conduct Authority (FCA) an advantage
Good Retail Collections experience
Excellent administration skills
Good numerical skills
Experience of query management and complaints handling
Qualification: 5 GCSE’s including Maths (or equivalent)
Student Membership of the Institute of Credit Management advantageous
Minimum 3 years’ experience of Credit Control
Assertive communication style especially on telephone
Good prioritization skills
Ability to work in different software platforms
Must demonstrate the ability to think and take initiative in terms of decisions with regard to specific tasks and activities within remit
Must enjoy and strive for increased responsibility working within a pressurised and fast paced environment
Must have empathy with customers (internal and external), with the ability to deal with individuals at all levels both within the organisation and externally
Must be seen to be calm and assured under pressure, dealing with issues as they arise in a calm and professional manner
Must be seen as positive and enthusiastic demonstrating a “can do” attitude, being flexible in terms of being willing to carry out a wide variety of tasks and activities as required, according to the changing requirements of the business
Must adopt a professional approach in all dealings, demonstrate high standards and levels of performance and constantly strive to improve processes and procedures so as to add value to the team
Must adopt a pro-active style of work, taking responsibility for all issues/tasks within remit and capability, without automatic referral to line management
Must demonstrate the ability to build relationships with a variety of different individuals both within the team and across the business and to be seen as approachable and willing to get involved, as required
Must be committed to and demonstrate Company values particularly relating to levels of integrity,

Retail Credit Systems Analytics Analyst Resume Examples & Samples

Performs in a capacity as the user of technology systems in support of the credit process
Executes strategic direction for efficiencies and optimization of credit work flow including needed functionality, required data sources, work flow changes critical to achieving risk and origination priorities
Maintains and establishes products, credit criteria, auto decision criteria and pricing schemas through the established user interface within the system
Reporting needed for credit and operational management
Performs user acceptance testing, UAT
Acts as the subject matter expert with establishing requirements and testing solutions for credit reporting
Identifies process gaps impacting credit and notifies appropriate business units and management to remediate gaps. Escalates unresolved issues to Director/Credit for further action
2 or more years Excellent problem solving, planning, and interpersonal skills including math aptitude. Excellent communication, including written, verbal and presentation skills. (Required)
2 or more years Strong attention to detail with intense organizational and follow through skills. (Required)
2 or more years Possess flexibility and willingness to work in a team environment. (Required)
2 or more years working understanding of bank technology, knowledge of primary banking applications and general banking experience. Database query tools such as SQL or similar tools/languages. (Required)
2 or more years experience in the financial services sector. (Preferred)

Retail Credit Resume Examples & Samples

Daily business operations management
Managing of daily credit applications and operations of department including handling of new retail credit applications. Development and implementation of solutions to watch list and problem credits
Credit approval management
Conduct credit approvals within assigned credit approval authority, and ensure that the applied scorecards, credit underwriting standards and credit process for retail business comply with defined policies, procedures and processes
Performance targets
Ensuring that performance targets such as approval turn around time, approval ratios and non-performing ratios are accomplished
People management
Hiring, training, support and supervision of subordinates in department. Coaching with individual employees
Credit tools and processes development
Develop, update or suggest proper credit requirements, evaluation tools, resources, and processes according to each market situation
System and procecedure
Monitor IT system performance, and make system update or enhancement requirements according to business needs
Business Rollout
Managing roll out of retail business to new markets
Support of Director Retail Credit in other tasks and projects
Training and Qualification
Bachelor degree in finance or equivalent
Excellent English, both written and spoken
Mandarin
Managing experience in a Financial Services Company, Bank, Accounting Firm or other related finance industry or function for at least 3 years
At least 5 years experience in credit, opereation or risk related areas
Sound knowledge of PRC regulatory environment (China Banking Regulatory Commission (CBRC) and People’s Bank of China (PBOC) regulation and rules)
Sound knowledge of Basel II reguirements and credit risk management tools (e.g. rating, scoring and portfolio management)
Understanding of PRC legal environment (e.g. property law, bankruptcy law and contract law)
Good understanding of difference within regional credit markets within PRC
Good understanding of collection strategies and processes
Sound knowledge about Microsoft Office applications
Managerial knowledge
Excellent communication skills (e.g. negotiation of contract terms and conditions with external service providers and customers, communication with CBRC and PBOC on regulatiory issues)
Excellent problem management skills (e.g. negotiation and implementation of work out solutions for distressed customers, negotiation for procedural issues with local vehicles administration authorities)
Excellent people management and organizational skills (e.g. development of employees to become encouraged top-performers in a multi-national environment, negotiate and implement efficient and superior processes and procedures with external service providers)

Retail Credit Analyst Resume Examples & Samples

Five to seven years of experience in credit analysis and/or lending activities
Excellent credit analysis and analytical skills
Thorough knowledge of credit administration, policy and procedures
Thorough knowledge of economics, accounting, and finance
In-depth knowledge of risk analysis
Excellent technical report writing skills

Senior AVP Retail, Credit Risk Management Resume Examples & Samples

Build a high performance team culture within CRM that is based on a foundation of integrity, accountability, respect, common sense and caring
Provide leadership assistance and coaching to the Retail team regarding approval, restructuring, and decline of credit applications
Provide recommendations and support to the VP, Credit Risk Management by reviewing and assessing new, renewal and reportable credit applications to achieve a quality, well balanced and profitable portfolio within the context of Bank Policy
Evaluate and analyze personal tax returns, personal net worth &/or corporate financial statements, and residential appraisals to determine appropriate lending strategies
Monitor branch reporting of loan portfolios through regular review of arrears, out of order reporting, audit reports, CRM reporting and credit responses for areas of increased risk exposure including covenant breaches, financial deterioration, arrears, security impairment and other material adverse changes that are not in alignment with the Bank objectives and business plan
Approve credit applications (new, renewal and reportable) within a delegated credit limit
Prepare recommendations for approval, restructuring, decline of credit applications
Discuss and provide assistance to branches with pre-submission reviews and problem loans
Assist in the review of branch out-of-order, watch list and non-performing loan reports (including Optimum Mortgage) and provide approval or recommendations as to action plans and remedial procedures
Assist in the review of existing credit policies making recommendations for change and/or establishing new policies; including satisfying regulatory requirements
Assist in compiling and consolidating impaired loan and watch list reports on a quarterly basis. Further, provide statistics and evaluations on an ongoing basis, on risk ratings and portfolio mix with a comparison to the business plan. Recommend account downgrades to watch or impaired status under the requirements of the Bank’s lending policy and guidelines
Assist in the preparation of reports for Management and Loan Committee of the Board of Directors; and/or other information required by OSFI and external auditors
Provide ongoing leadership and support in the completion of 2nd Line of Defense reviews for Branch & Optimum Mortgage originated credit facilities under the Bank’s Three Lines Defense framework
Minimum 10-years of retail lending experience complemented by direct experience in managing problem accounts and work-out situations
The preferred candidate will have experience as a retail adjudicator complemented by a solid understanding of commercial loan structuring, corporate financial statements and determining sustainable cash flow
Proven leadership experience building inclusive, high-performing work environments, while guiding and developing teams

Retail Credit Review Group Manager Resume Examples & Samples

Management of a Retail examination and monitoring team covering all Retail Bank exposure
Identification of internal and external credit risks and assessing those risks using a blend of experience and sophisticated analytical tools
Development and execution of an annual Retail examination and monitoring plan
Rating the level of credit risk and credit risk management practices as well as the aggregate risk level and direction of risk
Maintain a high level of professionalism and personal standards while executing the credit review activities
Act as the primary point of contact and build relationships with business lines
Attend and participate (where appropriate) in committees and/or sub‐committees that may impact the credit granting activities of the Bank
Review reports prepared by the team to ensure they are clear, concise, consistent, and grammatically correct
Ensures that portfolio monitoring and other projects, including validation of Risk Issues, are completed within established timelines and in accordance with Credit Review guidelines / policy
Provides subject matter expertise on areas of responsibility to other team members, including the leadership team
Contribute to the preparation of Credit Review, Senior Management, and Board level reporting
Assist with the design, promotion, and implementation of process changes and strategic initiatives to maximize departmental effectiveness and efficiency
Responsible for talent recruitment, retention, development, and performance evaluation
Travel 25% or less
Carries out supervisory responsibilities for assigned staff in accordance with the organization’s policies and applicable laws. Responsibilities include interviewing, hiring, and training associates; planning, assigning, and directing work; appraising performance; rewarding and disciplining associates; addressing complaints and resolving problems
4 Year Degree required
Advanced degree preferred
15 + years related experience required in lending, Credit, Regulatory or Credit Administration
Previous management and leadership experience
Ability to demonstrate “executive presence” and build effective relationships
Skilled multi‐tasked and ability to quickly and effectively manage demanding, competing priorities for self and others
Strong people management and coaching skills
Strong project management skills
Self‐motivated individual who assumes ownership and promotes accountability
Possesses appropriate level of expertise in subject matter
Ability to influence without direct oversight
Promotes and enables change
Thrives on fast‐paced and challenging environment
Strong decision‐making
PC skills (MS Office Suite)
Certification highly preferred or willingness to pursue certification

Senior Retail Credit Manager Resume Examples & Samples

10+ years in Financial Services / Banking
5 years in consumer credit risk leadership role with track record of leading a team
Exceptional ability in working with numbers and statistics
Ability to communicate complex ideas effectively, both verbally and in writing
Experience in regulatory, underwriting, and/or credit assurance is a plus
Strong technical skills as well as being information technology-savvy
In depth knowledge of the risk management analytics tool box and capabilities
Proven ability to balance the risk/reward equation and drive profitable growth within defined risk boundaries
High level of business acumen and strong understanding of how a P&L works
Ability to provide constructive input on both the revenue and the loss lines

Manager, Retail Credit Risk Resume Examples & Samples

Adjudicate Retail credit requests efficiently and at an acceptable level of risk
Provide high quality credit decisions and advice to Branch and Alternate Channel partners
Meet the Bank's customer service standards
Demonstrates positive change management skills
Thorough knowledge of the Bank’s regulatory & compliance requirements as they relate to credit granting
Experience with Lean Management principles and tools an asset

Director, Retail Credit Risk Management Resume Examples & Samples

This role will be responsible to develop and implement a control, testing and validation function to ensure the credit risk taking practices of the Regional Bank consumer-related lending activities. Experience with loan originations, underwriting, loan servicing and default management for real estate secured products is required. Experience with other consumer loan products such as credit card is preferred
Will design and conduct tests and report independent findings and observations on a quarterly basis to Business Unit and various risk stripes and committees. Will be responsible to escalate breaches of risk tolerances to department head, Chief Risk Officer and/or America’s Risk Committee
Responsible to monitor and assess risk mitigation activities of the Business Unit, 1st LOD and 2nd LOD
Leverages work of existing Business Unit and 1st LOD testing and assurance function to identify areas of risk and further investigation
Establishes management and administrative procedures to ensure adherence to policies
May act as liaison to other external regulatory or internal assurance functions such as audit or credit review
Initial role will be as sole contributor but may expand to manager as assurance function expands and matures
10+ years experience across consumer lending and small business lending preferred
Extensive knowledge of quality assurance concepts such as transaction testing and , sampling methodology
Demonstrated ability to audit data and processes, draw conclusions and document compliance with established standards
Excellent verbal and written communication skills and ability to interact with various levels of the organization
Effective leadership skills and ability to partner, lead and mentor colleagues on risk management concepts and risk control strategies