text:
Credit Operations Resume Samples
The Guide To Resume Tailoring
Guide the recruiter to the conclusion that you are the best candidate for the credit operations 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 by selecting wording that best fits for each job you apply
B Strosin
15337 Murray Rapids
San Francisco
+1 (555) 504 9901
15337 Murray Rapids
San Francisco
Phonep +1 (555) 504 9901
Experience Experience
04/2014 – present
Phoenix, AZ
Intermediate Associate Credit Operations Analyst
Phoenix, AZ
Intermediate Associate Credit Operations Analyst
04/2014 – present
Phoenix, AZ
Intermediate Associate Credit Operations Analyst
04/2014 – present
- Provides senior subject matter expertise to Relationship Managers, Product Managers, and Portfolio Managers
- Works with product partners to develop and enhance current product base
- Facilitate and execute proper set up of soft credit exposure including automated clearing house
- Performs independent analysis on high net worth clients and recommends if customer is initially credit worthy based on due diligence findings
- Manages vendor support such as Title companies, attorneys, CPA's and appraisers etc
- Performs OFAC checks on clients and facilitates Reg B checks to ensure all risk is reviewed and regulations are adhered to
- Secures collateral, monitors collateral adequacy, and notifies Relationship Manager if escalation with the customer is warranted
07/2007 – 02/2014
San Francisco, CA
Associate Credit Operations Analyst
San Francisco, CA
Associate Credit Operations Analyst
07/2007 – 02/2014
San Francisco, CA
Associate Credit Operations Analyst
07/2007 – 02/2014
- Coordinates and participates development of loan documentation with outside counsel
- Facilitate and execute proper set up of soft credit exposure including automated clearing house (ACH) and fed fund check clearing
- Performs data integrity reviews and initiate necessary corrective actions
- Works directly with owners, executives, and corporate officers of client companies
- Responsible for completion of Risk initiatives on behalf of the Relationship Managers that are being implemented by the Business
- Audit Support: Performs independent, periodic RCSA testing
- Works independently with client to answer any questions on due diligence report and financial statements before supplying RM with data
09/2001 – 04/2007
Philadelphia, PA
Credit Operations Analyst
Philadelphia, PA
Credit Operations Analyst
09/2001 – 04/2007
Philadelphia, PA
Credit Operations Analyst
09/2001 – 04/2007
- Support in developing enhanced programs/system to improve efficiency in daily operation of credit processing
- Manage and ensure all marketing or risk acquisition program are processed based on established standards (SAF)
- Provide technical support to credit unions during the design, development, and implementation phases of the project/change request
- Identify and report outstanding issues to stakeholders; assist with issue resolution
- Provide reports and feedback Credit Policy, Sales and Distribution, Marketing, and other unit related to Credit Initiation on credit application processing
- Strong working knowledge of Microsoft Office applications, particularly Excel
- Perform other duties as assigned
Education Education
Bachelor's Degree in Business
Bachelor's Degree in Business
Kean University
Bachelor's Degree in Business
Skills Skills
- Strong organisational skills and strong attention to detail
- Strong attention to detail
- Strong proficiency in MS Excel, experience with use of technology systems
- Sound knowledge of wholesale financial services domain and strong understanding of wholesale financial service operations
- Excellent interpersonal skills with an ability to communicate at all levels
- Ability to work independently, self motivated with ability to prioritize work and meet tight deadlines
- Strong Word, Excel and Access skills an advantage
- Knowledge of credit products in European countries is
- Excellent communication skills (written and verbal)
- Ability to suggest improvements and engineer process changes
Read our complete resume writing guides
Credit Operations Specialist Resume Examples & Samples
- Strong, creative problem solving and decision making ability
- Strong attention to detail and quality
- Exceptional flexibility and reliability required and strong organizational and planning skills
- Must meet all performance expectations of current level
- Must be able to work in a fast paced environment
- Good PC Skills and able to effectively navigate multiple computer processing systems to perform all work
O&t-icg-credit Operations Analyst Resume Examples & Samples
- Collateral monitoring
- Facility limit monitoring
- Release of collateral and security documents
- Record management and custodian for collateral
- Insurance policy and premium follow up
- Regulatory reporting including HKMA reports; and
- MIS report preparation
- Strong documentation management experience with at least 3 years relevant experience preferred
- Pleasant and able to work under pressure and multiple tasks
- With passion of self-development and capable to manage challenges
Credit Operations Specialist Resume Examples & Samples
- Strong interpersonal, analytic, organization and judgment/problem solving skills
- Strong communication skills are necessary
- Ability to understand and work in core financial systems and beable to navigate between multiple computer applications
- Must be reliable and have the ability to adapt to a changing environment. Must possess an eagerness for future development and learning
- Previous credit and judgmental lending experience with ability to read and understand credit bureau reports a plus
Agency Manager, Credit Operations Resume Examples & Samples
- Ability to build and manage relationships with mercantile agents as well internal stakeholders
- Ensuring the agents meet or exceed Citi's expectations contractually
- Monitor and drive recovery numbers of agencies to meet agency management targets
- Develop strategies to increase performance and recoveries on a monthly basis
- Ability to manage a team of collectors and team leaders remotely
- Regular meetings with agencies discussing performance, targets and other management issues
- Maintain and provide MIS as well as ensuring accuracy in reporting
- Ensuring agents are adhering to Citibank's compliance, controls and information security standards
- Ensure accuracy in commission invoices and effective tracking of invoice payments
- Effectively manage the referral and recalling of accounts to mercantile agents
- Actioning incoming and outgoing correspondence from both agents and customers in a timely manner
- Identify and report anomalies to management
- Encrypting and decrypting customer sensitive and confidential information
- Paneling new agents and renewing existing agents
- Assist with policies and procedures to ensure all relevant areas of agency management are covered and compliant
- Experience in debt collection industry either with a credit provider or mercantile agent required
- Disciplined, organised and good time management skills
- Proven experience with working in a fast paced environment
- Ability to work with and drive a high performing team
- Effective written and verbal communication
- Strong interpersonal skills with the ability to build strong working relationships with senior internal and external stakeholders
- Strong PC skill across the Microsoft suite, particularly word and excel
O&t-icg-credit Operations Analyst Resume Examples & Samples
- Reviewing of credit documentation and credit memos
- Creation of mortgage documents including legal charges via legal counsel
- Avail and authorize credit facilities
- Registration of respective legal documentation
- Verification of return of title deeds
- Handling line cancellation or adjustment
- Check and rectify unmatched transactions
- Data verification and monitoring; and
- Strong documentation and analysis skill with at least 2 years relevant experience preferred
Credit Operations Analyst Resume Examples & Samples
- Good service attitude
- Strong negotiation skills with ability to assess client's financial situation
- Able to multitask and works well with minimal supervision
- A teamplayer
- Proactive, self-motivated, orgranized and has attention to details
- Knowledge in MS Office - Excel and Word
Credit Operations Analyst Resume Examples & Samples
- At least 3-5 years of relevant banking operational related working experience
- High school diploma graduate preferred
- Fluent in Cantonese, Mandarin and English
- Good analytical skills and ability to make logical & objective assessment on fraud resolution
- Able to react and respond to the ever-changing fraud trends and make decisions quickly to counteract the ever-changing fraud situation
- Ability to evaluate issues and recommend cost effective solutions and proactively identify opportunities for continuous process improvements
- Good writing skills to report case findings, assessment, conclusions and recommendations
- Strong interpersonal, presentation and communication skills
- Ability to deal confidently with all internal & external parties
- Responsible, disciplined and committed to lead and motivate team to ensure an effective and efficient fraud operations
Rohq-crms-credit Operations Analyst Resume Examples & Samples
- Organizational and time management (prioritization of tasks, multitasking, etc.)
- Assertiveness/Positivity
- Business writing skills
- Analytical and adept in numbers
Credit Operations Intermediate Analyst Resume Examples & Samples
- Matriculated or above or equivalent experience with good accounting and financial analysis skills
- 3 – 5 years of experience in Consumer/Commercial (including unsecured, secured & trade products) credit business
- Proven credit analysis experience gained from a financial institution covering corporate client segment with in-depth knowledge in trade finance and structured credit
- Proficient in Excel Spreadsheet and excellent skills in financial and credit risk analysis on corporate accounts
- Good command of both spoken and written English
- Must be able to work independently and under pressure
- Willing to work overtime & shift duty
- Reliable and self-disciplined
- Good PC knowledge in Microsoft Word, Excel, etc
- Team player with strong interpersonal skills
Credit Operations Intermediate Analyst Resume Examples & Samples
- Matriculated or above with good accounting and financial analysis skills
- 3 to 5 years of experience in banking/finance institution or in Secured Loans Product (including Mortgage, Margin, Securities, and Finance Lending) credit business
- Proven credit analysis experience gained from a financial institution covering personal and corporate client segment with in depth knowledge in Mortgage, Margin & Securities Backed Finance and structured credit
- Proficient in Excel Spreadsheet and excellent skills in financial and credit risk analysis on personal/company accounts
- Willing to work overtime
Senior Manager Credit Operations Resume Examples & Samples
- Develop and maintain Risk Rating and reserving methodology policies, technical documents, and work-papers, and coordinate with counterparts in affiliates to implements one standard to consistently ensure accurate assessments of Bank assets and adequate loss reserves that comply with GAAP and regulatory requirements
- Coach / lead affiliate Finance/Risk/Analytics teams to operationalize shared policies to ensure asset quality
- Audit affiliate implementation and prepare review workpapers
- Advise Risk function in all other policy, regulatory, reporting, and origination / account /portfolio management matters
- Manage analytics, CRA Credit, and RE valuation functions
- Bachelor's Degree with 8+ years experience in commercial banking
- 5 years experience as Examiner with Federal Reserve, FDIC or similar banking regulatory
- Commercial lending/leasing experience, especially in portfolio analytics preferred
- Experience in banking and or with audit firm, specifically with significant experience in preparation and accounting for loss reserves preferred
- You must be able to satisfy the requirements of section 19 of the federal deposit insurance act
- Bachelor's Degree in accounting, finance, business administration or equivalent
- 5+ Years experience with Fed Reserve or FDIC, preferably as EIC
- 8+ Experience in commercial banking and or auditing, especially in loss reserve preparation and accounting
- MBA degree
Credit Operations Analyst Resume Examples & Samples
- University degree in Surveying, Real Estate or related discipline with relevant professional qualification such as Member of the Hong Kong Institute of Surveyors, Royal Institution of Chartered Surveyors, and Australian Property Institute is preferable
- Minimum of two years' relevant experience in valuation and research in local property market is preferable
- Good knowledge of local property market and relevant ordinances/regulations
- Sound knowledge of application software, including Microsoft Excel
- Ability to work independently, with good communication and interpersonal skills
- Must pass the relevant Office Of The Chief Appraiser (OCA) tests
Operational Risk & Controls Manager Credit Operations Resume Examples & Samples
- Manager's Control Assessment (MCA) Coordination
- Issue and Corrective Action Plan (CAP) Coordination
- Assist in Audits, Reviews and Regulatory Examination Management
- Assist in delivering 'Deep Dive' Reviews
Credit Operations Analyst Resume Examples & Samples
- Very strong with documentation and analysis skill with at least 3 years relevant experience preferred
- With passion of self-development and capable tomanage challenges
- Degree holder preferred
Credit Operations Analyst Resume Examples & Samples
- Strong documentation management experience with at least 2 years relevant experience preferred
- Systematic and analysis skill in record management
- Pleasant and able to work under pressure and multiple task
- University graduation preferred
Director of Credit Operations Resume Examples & Samples
- In conjunction with Consumer Banking leadership and Risk Management, develop and implement a Credit Operations strategy that seeks to achieve remarkable customer experience, optimise financial results and enhance employee engagement by engaging both onshore and offshore teams
- Develop and implement Collections, Credit Acceptance and Fraud policies, procedures and delegations to ensure maximum efficiency and automation whilst ensuring adequate controls are in place to minimise delinquency and risk and meet all relevant Consumer Credit and regulatory standards
- Agree and implement Risk and Sales/Marketing models and programs within Credit Operations
- Develop and implement a robust offshore governance model for all internal and external third parties to ensure compliance with regulatory requirements and operational effectiveness
- Develop and implement operational contingency plans including both onshore and offshore teams and partners
- Drive transformation efforts towards creating a remarkable customer experience whilst optimising financial results and embedding a control and compliance based culture
- Overall responsibility for resourcing and leading the Credit Operations functions including capacity models, incentive plans, detailed goal setting, identification of key performance trends and maintenance of policies and procedures
- Establish and drive a strong engagement model with offshore partners and external agencies to maximise results and support delivery of the Credit Operations strategy
- Maintain an up to date knowledge of industry and technical developments for Credit Acceptance, Collections and Fraud, identifying and implementing improvements where appropriate
- Proactively identify and implement initiatives that support business growth within acceptable risk parameters and compliance standards
- Significant experience within Consumer Operations within the financial services industry with demonstrated success driving operational excellence across a diverse team
- Strong knowledge of financial products and services and financial markets
- Detailed knowledge of relevant Citi products, systems and processes an advantage
- Proven ability to leverage technology and automated solutions
- Extensive business and industry knowledge of credit and risk
- Strong understanding of the Consumer credit cycle
- Experience in operating internationally across large, highly matrixed organisations
- Experience in leading large teams both onshore and offshore
Cbps Credit Operations Analyst Resume Examples & Samples
- Demonstrate an advanced level of credit approvals specific 'operational' & general product knowledge with regard to Citibank 'card' & Ready Credit products
- Ability to interpret financial statements, e.g., P&L
- Excellent communications skills – written and verbal
- PC literate with working knowledge of Microsoft Word and Excel; working knowledge of Microsoft Access highly desirable
- Show insight into the motivations and needs of others; facilitate team collaboration within and across business units
- Ability to manage time/conflicting priorities so as to maximise productivity in a multi function high volume operational environment
- Must be adaptable to change and seek opportunities to improve process
- Flexible working hours are a feature of this position; normal work hours may be between 0700 - 2300 Monday - Friday
Credit Operations Manager Resume Examples & Samples
- Strong business sense, with the ability to balance effectiveness and efficiency trade-off in an operations environment to support business growth; change agent
- Adept at developing and maintaining productive cross-functional working relationships; prior matrix management responsibility
- Sound appreciation of cultural challenges in working with a geographically diverse regional team
Credit Operations Group Manager Resume Examples & Samples
- Strong analytical and problem solving skills - proven ability to leverage technology and automated solutions
- Exceptional interpersonal and communication (verbal, written) skills that motivate direct and indirect work groups
- Highly developed leadership and people management skills
Credit Operations Resume Examples & Samples
- Produce all credit related documentation in partnership with the Legal department
- Manage the credit documentation process end to end, in partnership with other teams
- Work with internal & external legal teams and valuation agents as required
- Liaise with Credit Advisors, Credit Underwriters and Legal teams on documentation requirements and validation
- Prepare required supporting legal and credit documentation in accordance with the standard templates provided by the legal department
- Documents include, among others, the credit facility agreement, the deed of pledge and the guarantee
- Maintaining accurate data in the Documentation Tracking System and the loan origination system
- Responsible for tracking the status of documents and resolving exceptions
- Responsible for checking accuracy of documents received
- Responsible for the scanning and filing of all documents received
- Develop an in-depth understanding of the PB credit documentation and business
- Understand and ensure adherence to and compliance with JPMorgan policies and regulatory requirements
- University graduate with some basic experience in dealing with client credit documents
- Knowledge of credit documentation and regulation is a plus
- Experience within a financial institution
- Excellent interpersonal skills with an ability to communicate at all levels
- Strong organisational skills and strong attention to detail
- Ability to work independently, self motivated with ability to prioritize work and meet tight deadlines
- Familiarity with credit and lending products
- Knowledge of credit products in European countries is a plus
- Foreign language is a plus (French, Italian, Spanish)
- Ability to suggest improvements and engineer process changes
- Strong Word, Excel and Access skills an advantage
- Control and Risk mitigation mind-set
Credit Operations Analyst Resume Examples & Samples
- Solid knowledge and understanding of the Central Bank regulations with regard to the credit processes (254-P, 283-P)
- Excellent skills to keep correspondence with regulatory bodies
- Experience related to the coordination of loan loss provisioning process
- Economic background and financial analysis practice
- Good understanding of bank processes and products
Credit Operations Analyst Resume Examples & Samples
- He/she reviews and actions daily/weekly/monthly exception reports after the capture of outstanding balances from branch loan accounting systems
- Liaises with branch personnel and credit officers to resolve problematic situations relating to the mapping of outstanding data to authorized credits
- Enters on the repository front end application, corrections to resolve out of balance situations, errors in mapping outstanding data to authorizations and overruns; and
- Reconciles transactions to the Bank's balance sheet
- Identifies and actions other issues related to invalid data such as invalid SIC codes, IG codes, country codes coming in on data feeds
- Post-secondary education in Accounting, Finance, Business (good grasp of accounting to ensure outstanding data is balanced to the General Ledger)
- Strong analytical skills is the key requirement
- Comfortable working with Data and Databases
- Any experience with SQL is a huge asset
- Knowledge of credit and credit products is an asset
- Strong and clear communication skills
Credit Operations Analyst Resume Examples & Samples
- Very strongwith documentation and analysis skill with at least 3 years of relevant experience is preferred
- Good command of English and Mandarin, both written and oral
- With a sense of observation to sensitive data
- Degree holder is preferred
Cbps-credit Operations Analyst Resume Examples & Samples
- Ability to interpret financial statements, e.g. P&L
- Superior problem resolution skills with the ability to make sound and justified decisions
- Proven ability to work without supervision, use initiative and work proactively
- PC literate with working knowledge of Microsoft Word and Excel. Working knowledge of Microsoft Access is highly desirable
- Dedication to work toward and meet objectives both as an individual and as part of a highly committed team
- Show insight into the motivations and needs of others. Facilitate team collaboration within and across business units
- Flexible working hours are a feature of this position. Normal work hours may be between 0700 - 2300 Monday - Friday
- Must have AU Verification background
Associate Credit Operations Analyst Resume Examples & Samples
- Experience with Microsoft Office Programs
- Strong Organizational and time management skills
- Problem Solving and Analytical abilities
- Associate's Degree at a minimum; Bachelor's Degree preferred
Senior Manager Regional Credit Operations Resume Examples & Samples
- Ensure the achievement of team business objectives and Dealer Experience goals through coaching and training
- Develop and maintain strong and effective working relationships with internal partners for the purposes of delivering optimal customer service while actively balancing and managing risk
- Lead and manage the day-to-day functions of the Regional TDAF Credit Operations team to ensure that loan portfolios are originated within the risk appetite of TDAF and TDBG
- Authorize credit within designated limits and act as an escalation point resolving more complex credit issues
- Direct Leadership of approximately 60 FTE within Nanaimo Credit Operations including day to day performance management, coaching, and personal development
- Act as the senior leader of the Nanaimo operations centre by working collaboratively with Department Managers and other Business Leaders to ensure consistent messaging, service standards and maintenance of overall morale
- Participate in the negotiation and resolution of escalated issues while maintaining strong collaborative relationships
- Monitor assigned functional area for productivity and efficiency to continually improve delivery capability
- Create and foster a cohesive team and promote a positive work environment for all TDAF employees in Nanaimo
- Manage operational effectiveness against established performance objectives to ensure business objectives and service level agreements are met
- Facilitate quality service with every customer (dealer) interaction to demonstrate TD Auto Finance's commitment to putting the customer first and effectively support our dealer relationships
- Participate and periodically lead national initiatives to deliver process improvements, change management, training, etc
- Deliver results through influence and engagement while using sound judgement at all times
- Promote and support the organization's commitment to corporate responsibility, diversity and the communities in which we live and work
- Accountable for all aspects of people management including quarterly and annual performance appraisals, recruitment, training, career development and performance management
- Responsible to develop and manage the annual business plan, expense budget and FTE plan for the cost centre
- Passionately lead and nurture a culture of continuous improvement and engagement among the employees
- Lead process of establishing performance objectives and track, monitor and effectively address and/or reward performance in a timely manner
- Participate in Credit Audits and Credit Quality Reviews and deliver against any remediation efforts to address gaps identified
- Support an environment where team members freely escalate performance and operational challenges
- Ensure ongoing training and development of staff to meet department objectives for service and productivity
- Promote and motivate managers and employees to participate in reward and recognition programs throughout the year
- Proven people management and coaching skills with a well-earned reputation for fostering cohesive teams and promoting a positive and productive work environment
- Comprehensive knowledge and experience with consumer credit lending and risk principles
- Proven ability and brand for managing the balance between risk and customer experience
- Excellent leadership and communication skills required to coach a large group of Credit Analysts and Team Managers
- Demonstrated negotiation and problem-resolution skills
- Proven relationship management and collaboration skills with business partners
- Individual who can work well independently and within a team
- Strong analytical and problem solving skills and capacity for effective work flow, organization and planning
Credit Operations Manager Resume Examples & Samples
- Create and drive the operating plan
- Manage the credit management process
- Work closely with various teams across the business
- Manage the large credit team to ensure cash is brought in on time
- Experience in a similar role and have gained solid credit management experience
- Strong B2B credit experience
- Ability to business partner with various key stakeholders and work well under pressure
Credit & Operations Manager Resume Examples & Samples
- Create and drive the strategic operating plan
- Manage the credit process and seek opportunities for improvement
- Work closely with teams across the business in regards to Credit Management
- Prior experience in a Credit Manager role, managing a large team
- B2B Credit experience is desirable
- Demonstrable interpersonal and relationship management skills
Intermediate Associate Credit Operations Analyst Resume Examples & Samples
- New Credit Origination and Booking; Portfolio Monitoring/Management /Data Quality Control; Process customer loan servicing requests, including advances, paydowns and maintenance
- Makes a place of business call with significant clients to obtain financial statements, tax returns, a/c receivable aging
- Works directly with owners, executives, and corporate officers of client companies
- Interfaces with RM who will complete thorough analysis with additional data from customer financials statements, aging, etc
- Prioritizes and processes incoming credit requests and reviews for accuracy and completeness; interprets them to convert to concise and accurate credit facilities
- Customer facing throughout the credit origination process in participating in Place of Business calls with RM, independently obtain financials from client, interacting with client with any questions on due diligence and financial data
- Monitors and coordinates the timely clearing of all pre-closing requirements, including conditions precedent, Basel collateral reporting requirements and documentation
- Ensures collateral is secured. (stocks pledged, cash collateralized accounts blocked)
- Provides consultative support for syndications and participations with multiple lending institutions
- Facilitate and execute proper set up of soft credit exposure including automated clearing house (ACH) and fed fund check clearing
- Facilitate and execute proper set up of Foreign Exchange and interest rate swaps (derivatives).facilitates execution and provides guidance toother job families in the execution phase
- Analyze and reviews information obtained from the Credit Approval Process and loan documentation for accuracy, completeness and quality
- Analyze and reviews credit approval summary to assess required documents and coordinates internal documentation preparation and external documentation via outside counsel. - Elevates discrepancies to RM and ensures adequate exception approvals obtained, if applicable
- Coordinates and participates development of loan documentation with outside counsel
- Prepares booking worksheet data for Loan Operations and ensures transaction terms and structure including Basel II requirements are accurately reflected in core loan system (AFS)
- Complete and approve administrative credit approval summary
- Monitors availability for borrowing base facilities and loan compliance to ensure proper disposition of availment requests. Proactively quotes rates to customers for LIBOR borrowings as outlined in credit agreement and independently processes via operations
- Monitors intra-day and end-of-day exposure against limits where relevant (e.g. ACH), prioritizes exceptions detected and escalates as needed
- Analyzes and monitors covenants and reporting requirements (ex. accounts receivables aging, inventory reports and tax returns)
- Audit Support: Performs independent, periodic RCSA testing
- Ensures Know Your Customer and Electronic Customer Acquisition Due Diligence requirements are in place for Anti-Money Laundering reviews
- Advises on credit policy, procedures, credit systems, and loan documentation requirements
- Works with product partners to develop and enhance current product base
- Serves as acting manager when manager is unavailable
- 6-10 Years Financial/Banking Industry Experience
Senior Director, Credit Operations Resume Examples & Samples
- Develop new shared service for Risk Assessment Frameworks
- Create team of 10 – 15 FTE via migration of existing FTE and new hires, led by one Senior Manager
- Establish appropriate levels, reporting structure, training, metrics, and work flow management processes
- Process and Applications Management (incl. Reporting)
- Oversee a team (up to 4), led by Director, Credit Process and Applications Management, with responsibility for
- Maintenance and enhancement of existing GRM-Credit processes and applications
- Development of new processes, solutions, and applications within GRM-Credit as required for continuous improvement including regulatory or audit requirements
- Manage implementation of new or updated processes and applications
- Provide ongoing GRM-Credit reporting as necessary
- Serve as a primary contact with executive IT management with respect to ongoing process management initiatives
- Foster executive level relationships with Business Unit heads to facilitate cross-functional projects and requirements gathering, as required
- Serve as a leader in GRM-Credit's relationship with the GRM Program Management Office
- Responsible for access control, review and renewal of external vendor contracts
- Lead, participate or coordinate regular group-wide Credit Process training sessions with risk managers or external groups/agencies
- Act as Secretary for Risk Ratings Committee
- Lead Business Continuity Planning, Business Impact Analysis and Call Tree testing
- Data Steward
- Serve as Data Steward, for GRM-Credit applications and shared folders
- Assist with the compliance of BCBS Principle 239 from a risk data
- Maintain and control of data integrity generated and consumed by GRM-Credit
- Credit Policy & Criteria Paper Management
- Maintain and update Credit Policies and Procedures
- Lead or participate in documentation of new Credit Policies and Procedures in association with Enterprise Risk Policy
- Manage formal rolling process of criteria paper review
- Manager ad hoc and interim changes to criteria papers
- Ensure implementation of criteria paper changes with existing processes and applications
Credit Operations Analyst Resume Examples & Samples
- Candidate must possess at least diploma with 2 year working experience, advanced/higher/graduate diploma, bachelor's degree or post graduate diploma
- Fresh graduates/entry level applicants are encouraged to apply
- Preferable knowledge with Programming languages - Microsoft Excel, VBA and SAS are an added advantage
- Able to work long working hours
- Available immediately
Credit Operations Specialist Resume Examples & Samples
- Use bank loan system (Eclips and Exposure Now) to research loan balances, and principal and interest payments. Issue Default Deficiency Memo when covenant out of compliance, or there is a borrowing base or marketable securities deficiency
- Interact with the Underwriter, Banker, Credit Support Sr Specialist or Supervisor to resolve issues or concerns
- May act in advisory role for market on loan agreement/covenant clarification. Perform monitoring file maintenance
- Edit and audit work performed in the unit; ensure errors are corrected
- Prepare reports on a routine, request, or ad-hoc basis
- Various team responsibilities including performing work of backup Credit Support Specialist
- Bachelor's degree in accounting or other business specialty with minimum 6 hours accounting strongly preferred (minimum G.P.A. 3.0/4.0 strongly preferred); or, equivalent work experience in financial industry (typically 6+ years)
- Knowledge of financial documents including financial statements, accounts receivable reports, inventory, etc. with ability to identify inadequacies and irregularities
- Knowledge of policies, procedures, regulations with emphasis on standard covenant structure and borrowing base calculation
- Knowledge of specific loan types and various Bank systems (CLASS, Dealworks, Risk Analyst, Eclips and Exposure Now.)
- Working knowledge of PC and Windows-based applications
- Must demonstrate high level of accuracy and productivity. Must demonstrate exceptional organizational ability and be a quick learner
Credit Operations Manager Resume Examples & Samples
- With working experience in related field i.e. appraisal company
- Must be prudent, logical and analytical, good attention to details
- Independent, self-motivated, upright personality, to be a team player, and hard worker
- Good English reading and written skill
Cbna-o&t-credit Operations Control Manager Resume Examples & Samples
- Manager's Control Assessment (MCA) and Quality Assurance Framework (QAF)
- Manage CI and Collections MCA and QAF programs by ensuring that they are updated as necessary, controls are tested per required frequency, root cause analysis is done for issues/gaps detected and issues are raised in iCAP as necessary
- Discuss test results with Unit Heads and Credit Ops Director and prepare Summary of Issues
- Monitor and track that all gaps/issues identified are resolved/closed on time
- Perform gap analysis for new/revised requirements (MCA Gold, Citi, legal, regulatory and other requirements)
- Work with stakeholders to provide recommendations/enhancements to ensure that the MCA program adequately address and mitigate inherent and emerging risk
- Communicate to all stakeholders change requirements to ensure alignment
CCB Credit Operations Analyst Resume Examples & Samples
- Own daily and monthly reconciliation of data furnished to CRAs and business repositories
- Analyze CRA and business repository data furnishing quality and own root cause analysis of those trades/loans rejected or transformed
- Compile monthly CCB CRA data finishing statistics for business furnishing from both internal and external resources
- Develop pre-furnishing quality check queries for business card and business banking
- 1+ year credit industry experience in a credit bureau relationship environment
- Demonstrated ability to design and conduct data analysis that yields actionable business insights and ability to package and present key business insight in formal executive presentations
- Prior work experience with SAS a plus
Associate Credit Operations Analyst Resume Examples & Samples
- New Credit Origination, specializing in complex credit relationships
- Supports business in new credit origination: - Independently pulls due diligence reports as necessary ( D&B, TRW, Lit & Lien Search, CPA Check, UCC Searches)
- Review reports for credit worthiness by reviewing credit scores on personal TRW's, analyzing any litigation or liens outstanding on properties, reviewing UCC lien reports and amendments to determine if Citi would be in line for first lien on assets
- Works independently with client to answer any questions on due diligence report and financial statements before supplying RM with data
- Performs OFAC checks on clients and facilitates Reg B checks to ensure all risk is reviewed and regulations are adhered to
- Performs independent analysis on high net worth clients and recommends if customer is initially credit worthy based on due diligence findings
- Analyzes if any risks associated with lending to the client are worth while from cursory review
- Initiates and coordinates the set-up of customer and transaction data in the appropriate credit systems, including but not limited to customer identification and Know Your Customer policies, collateral assessment, facilities structure and documentation requirements, specializing in complex credit relationships and specialized industries
- Manages vendor support such as Title companies, attorneys, CPA's and appraisers etc
- Involves engaging Field Examiners, coordinating appraisal and environmental reviews with REEO and the customer, Coordinate Flood Insurance docs from customer and broker, works directly with attorneys in preparation of documents
- Facilitate and execute proper set up of soft credit exposure including automated clearing house
- Facilitate and execute proper set up of Trade Credit Products including but not limited to Commercial and Standby Letters of Credit etc
- Performs covenant and portfolio monitoring to ensure that complex loan portfolios are accurate and that needed actions are taken in a timely manner
- Performs data integrity reviews and initiate necessary corrective actions
- Proactively coordinates with Risk Management, Finance, and Operations to ensure that reporting requirements are met and loan maintenance requests are completed accurately
- Analyze final loan documentation to ensure it is consistent with credit approvals and that conditions precedent have been satisfied
- Secures collateral, monitors collateral adequacy, and notifies Relationship Manager if escalation with the customer is warranted
- Builds and maintains credit files and other documentation required by credit risk policy
- Serves as primary contact for complex Customers requesting credit advances and pay downs on approved credit facilities. Monitors credit availability, independently approves requests, and coordinates disbursements with Loan Operations
- Independently reviews and approves overdrafts on a daily basis up to one million dollars and solicits approves where additional credit authority is required for that transaction
- Reviews credit worthiness for existing clients and credit facilities in a relationship (reference new credit origination process above), with expertise in complex credits and significant relationships
- Facilitates internal and external audits such as ARR and peer reviews
- Contributes to achievement of acceptable audit ratings
- Provides senior subject matter expertise to Relationship Managers, Product Managers, and Portfolio Managers
- Seek and disseminate to share and train best practices with peers and colleagues when appropriate
- Responsible for completion of Risk initiatives on behalf of the Relationship Managers that are being implemented by the Business
- Lead and represent the overall team on credit projects and initiatives
Cbna-o&t-credit Operations Analyst Resume Examples & Samples
- Strong computer skills with advance knowledge in MS Office
- Strong analytical skills and logical reasoning
- Goal oriented, self starter, hard working, process oriented
Credit Operations Analyst Resume Examples & Samples
- Bachelor degree in accounting preferred
- Prior business credit experience preferred. Bachelor degree in business, finance, or economics is acceptable
- Credit underwriting experience is a plus
- Excellent verbal and written communication skills, strong analytical, interpersonal skills and judgment skills
- Should possess a good knowledge of bank systems and loan/credit operations
- Results oriented team player with a high level of proficiency in organizing, priority-setting and issues management a must
Credit Operations Analyst Resume Examples & Samples
- University graduate preferably with Master degree
- At least 5 years of working experience
- Solid experience in Credit Operation in consumer banks preferably in ML/UPL /Credit Card
- Strong analytical skills and proficiency in quantitative methodologies
- Good understanding of bank systems
- Able to work under pressure. Ability to manage multiple projects, problems and ambiguity and also manage situations caused by non controllable factor
Credit Operations Analyst Resume Examples & Samples
- Proven ability to spread business financial statements/tax returns, perform ratio analysis, complete risk assessment and make sound credit decisions and recommendations via written and verbal presentations
- Experience in supporting recommendations when challenged and in negotiating counteroffers, where appropriate
- Knowledge of credit/lending transactions and analytical skill sufficient to enable independent underwriting of commercial requests for lines of moderate size and complexity
- Proven ability to communicate verbally and in writing with internal and external customers and with various levels of management
- Flexibility in adapting to changing volumes and areas of focus (new applications versus portfolio reviews versus initiation of collections, etc.)
- Ability to investigate, recommend and initiate process improvements
Cbna-o&t-intern for Credit Operations Resume Examples & Samples
- Will help MIS team in supporting projects and initiatives lined up for the year
- Will be asked to update system parameters and update SAS programs
- SAS programming capability, strong computer skills
Cbna-o&t-credit Operations Analyst Resume Examples & Samples
- Initiate call out to the customers to confirm and validate details that will ensure timely completion of applications
- Maintain and report meaningful MIS to ensure optimum departmental efficiency and accuracy
- Develop and maintain beneficial working relationships with customers by ensuring that interactions with them are pleasant at all times
- Demonstrates patience and willingness to assist during customer engagement and is adept and knowledgeable in Sales leveraging process
- Taking responsibility for managing own performance by actively seeking development and feedback, and providing constructive feedback to others
- Taking prompt action to accomplish objectives
- Taking action to achieve goals beyond what is required
- Actively participating as a member of a team to move the team towards meeting it's goals; helping other team members as required
- Supports and adheres to compliance policies, requirements, and expectations
- Adapts to changing circumstances; tolerates ambiguity; accepts new ideas and change initiatives; adapts interpersonal style to suit different people or situation
- Strong customer-service orientation
- Advanced knowledge of MS Office
- Problem solving and analysis – demonstrate an ability to act appropriately on problems and analyze cause and effect
- High tolerance for stress
- Exudes a positive, "can and will do" attitude
- Strong work standards and work ethics
- Has good customer service orientation and can think out of the box
- Flexible to working overtime or weekends and holidays, if required by the business
- Able to adapt to changes in policies and procedures
- Knowledge in credit operations
- Tech Savvy
- Advanced problem resolution and analytical skills
- Strong communication skills, both written and verbal
MYS Ctsm Jb-credit Operations Specialist Resume Examples & Samples
- Candidate must possess at least a diploma, advanced/higher/graduate diploma
- Bachelor's degree, post graduate diploma or professional degree in any field
- Possess strong command of the English language, both verbal and written
Cbna-o&t-intern for Credit Operations Resume Examples & Samples
- Strong people skills
- Ability to balance and resolve multiple and quite often conflicting objectives
- Ability to work under pressure and solve problems in an expedient manner
CCB Credit Operations Analyst Resume Examples & Samples
- Lead team interaction with CRA and business repositories with respect to all furnishing data quality, integrity and reporting
- Manage daily and monthly reconciliation of data furnished to CRAs and business repositories
- Compile monthly CCB CRA data finishing statistics from both internal and external resources
- Develop pre and post furnishing quality check queries
- 5+ year credit industry experience
- 1+ experience in a credit bureau relationship or credit furnishing environment
- Possess strong leadership and interpersonal skills for communicating with various levels of the organization and external partners
Credit Operations Manager Resume Examples & Samples
- Collaborate with region management and HR to ensure personnel policies are adhered to, participate in personnel decisions involving employees, including: performance appraisals, development plans, promotions, salary actions recommendations and terminations
- Perform other special duties or assignments as requested or required
- Requires a minimum of 10+ years of related customer service, operations, sales or sales management experience, preferably in Business Banking or Branch Banking
- Must have strong leadership and management abilities; must be able to think strategically
- Requires keen understanding of the financial and banking industries, including working knowledge of the key areas of the bank (i.e. Business Banking, Retail Bank, Credit, TS, CB)
- Extensive knowledge of deposit, treasury and credit products, payment services and regulations, and related procedures
- Thorough knowledge of financial exposure and operational risk associated with bank products and services
- Disciplined approach to managing and acting upon key reports and audits
- Refined professional presentation skills and face to face client servicing background
Credit Operations Specialist Resume Examples & Samples
- Prior work experience in a related job that would provide a basic knowledge activities, policies, and procedures of the work area
- Knowledge of Microsoft applications (Excel)
- Prior experience in multiple Credit functions preferred
- Effectively handles completing priorities
- Ability to navigate through multiple systems and multi-task
- Ability to work independently while producing quality work in a timely manner
- Demonstrated attention to detail and follow through
- Ability to work under conditions with deadlines
- Strong process and procedural knowledge within Commercial Credit
- Understanding of Federal and Regulatory Policies
Credit Operations Head Resume Examples & Samples
- Provide Collections (both pre and post write-off), Credit Initiation and Fraud Operations services for different business units in Citibank which include CPP (credit cards and ready credit), Retail Banking and Secured Finance Solutions (mortgages, auto and equity loans)
- Direct, together with Risk Management, the formulation and implementation of sound credit and collections policies in order to increase Consumer's revenues and customer base
- Drive automation initiatives and straight through processing to enhance customer experience
- Accountable for setting and attaining department's business goals and metrics through the development of strategies that meet the established objectives defined by the Consumer Bank's business plan
- Interact and communicate with all levels of management in terms of capacity planning, policy definition, customer service, systems and process enhancement
- Select and monitor all services provided by third-party vendors (i.e., collections and credit agencies and legal attorneys, etc.), ensuring high standards of service, cost savings and compliance with Citigroup's Vendor Management policy, also provide oversight for offshored activities
- Develop, interpret and maintain effective controls that allow compliance with local and standards and statutory requirements minimizing operational risk (i.e. MCA, COB and GCCFRP)
- Develop and manage operating budget for assigned areas
- Design and monitor incentive plans that allow sustainable productivity and efficiency levels
- Participate in the design, planning and implementation of various projects as appropriate
- Bachelor's degree in Business, Economics or similar fields
- A minimum of 10 years relevant experience preferably across one or more areas - Collections, Credit Initiation and Fraud Control
- Understands how own function integrates within the overall organization to contribute to achieving business objectives; requires a good working knowledge of the industry, local regulations and laws
- Results oriented, ability to balance multiple prerogatives related to losses, expenses, people and productivity
Head of Credit Operations Resume Examples & Samples
- Maintain Regulatory Compliance, Embed superior Process Standards and Controls, Protect Client's and Firm's confidentiality
- Work with Risk management and facilitate in framing and implementation of policies across Credit Ops functions
- Client excellence - Create service culture and values that puts the client first in all points and ensures a positive customer experience
- Reviews and Audits – Work with Risk Management, Compliance and operations to ensure compliance to all regulations , Country and global policies and pass all the reviews and audits
- Development, Implementation and Execution of Credit, Collections and Fraud Control strategy and facilitating changes as per the requirement
- Develop and Implement a process of Self Assessment to keep maintain highest standards of quality in processing and adherence to all the applicable policies
- Maintain an understanding of technological developments for Credit Operations, working closely with Technology and Project managers involved in Collections related activity
- Meet Overall Expense, Efficiency, and Net Credit Loss targets
- Develop and implement appropriate Credit Policies, Collection Strategies and Fraud Control mechanisms for consumer credit products partnering with Risk Management and ensure maximum accuracy and compliance in execution of Credit and Collections Processes
- Ensure compliance to the code of conduct and any other internal or regulatory guidelines to manage the Credit and Collections Process
- Hire, train, manage, motivate and develop staff, including the implementation of effective backup and succession plans
- Ensure staffs are providing timely, accurate, and professional responses to customer enquiries, in compliance with quality, policy and regulatory guidelines. Conduct quality reviews. Manage the unit in accordance with Citibank values, focusing on instilling a quality ethic and insisting on integrity in all interactions
- Have a detailed knowledge of relevant Citibank products, systems and processes
- Develop a capacity plan model for the Unit to enable forward planning of workloads. In association with relevant controls, bring an innovative approach to the scheduling and staffing of the unit
- Keep abreast of new technological advances and review and recommend any possible upgrades and changes to systems currently employed
- Manage controllable costs in line with business plan and forecasts
- Recruit and Manage external vendor arrangements as and when required
- Manage infrastructure requirements, including Continuity of Business (COB) Plan
Mbna Credit Operations Resume Examples & Samples
- Business Intelligence
- Research; gap and trend analysis
- Organizational Intelligence
- Impact and Influence
Director, Credit Operations, Card Services Resume Examples & Samples
- Develop, expand and manage the Credit Operations Program
- Use extensive industry knowledge and intelligence to recommend areas for focused improvement initiatives
- Collaborate closely with technology, product, client relations, and other operational teams to ensure alignment on client growth initiatives
- Establish key reporting and program analysis criteria and lead development/implementation of required toolsets when necessary
- Plan and conduct assignments involving large projects/resources
- Oversee progress of the project goals and the outcomes of others; evaluate results. Has full responsibility for projects and outcomes and leads/directs the credit operations strategy
- Act in a liaison capacity with other departments, divisions & organizations, with requirement to influence and collaborate effectively
- Operates with latitude for un-reviewed action or decision
- Work to create and maintain high level of associate engagement
- 10+ years' experience in financial services and card / payment solutions
- Previous experience in electronic funds transfer (EFT) industry
- Previous experience in banking operations preferred
- Ability to manage, influence through persuasion, negotiation, and consensus building at all levels within the organization and all types of situations
- Analytical and process-oriented mindset with the ability to handle large data sets and fairly complex analysis
- Excellent problem-solving and research skills
- Possesses and applies comprehensive knowledge of field
- Well-developed leadership qualities
- Self-motivated, results-oriented and strategic thinker
- Excellent written/verbal communication, presentation and time management skills
- Proficient PC skills (MS Office – Word, Outlook, Excel, PowerPoint
Credit Operations Division Leader Resume Examples & Samples
- Customer focused individual with expert knowledge of credit products and processes. Strong organizational, analytical, communication and interpersonal skills. Proven leadership abilities. Extensive knowledge of credit philosophy, Risk Guidelines, and policies. Thorough understanding of commercial credit structures, loan documentation, bankruptcy and related legal issues
- Bachelor's degree required, preferably in business with Accounting and Finance courses. Twelve (12) years commercial/business lending experience. 3-5 years Managerial/Supervisory experience
- Understanding of commercial credit structure, loan documentation, bankruptcy and related issues. Able to assess and articulate risk associated with requested exceptions to established credit policies and procedures
- Experience in working with multiple virtual teams to drive initiatives
- Strong execution track record and managing change. Experience in process migration, an advantage
- Demonstrated strong leadership with proven ability to build professional teams
Credit Operations Specialist Resume Examples & Samples
- Strong verbal communication skills. Proficient Data Entry skills
- Strong, creative problem solving and decision making ability
- Income/document review experience
- Successfully address an expansive set of customer and Private Banker inquiries and issues
- Overcome Customer and Private Banker objections
- Strong Customer rapport building and listening skills
- Use tools to perform assessments or validate information related to determining the ability of individuals, companies and institutions to meet the demands of purchases, agreements, loans, projects or any other extended obligations
- Phone Center servicing 2+ years preferred
- High School Diploma, GED or relevant experience required
O&t-credit Operations Analyst Resume Examples & Samples
- University graduate with minimum 3-5 years' working experience in consumer lending business
- Experience in credit analysis from a financial institution covering unsecured lending products for consumer is preferable
- Self-initiative and good problem solving skills
- Strong sense of compliance awareness
Credit Operations Head Resume Examples & Samples
- Provide credit initiation, collections and fraud for different business units in China which include: secured and unsecured loans and credit card products
- Direct, together with Risk Management, the formulation and implementation of sound credit control and collections policies in order to optimize Consumer biz's revenues and customer base within acceptable risk level
- Accountable for setting and attaining department's business goals and metrics, through the development of strategies that meet the established objectives defined by the Consumer's business plan
- Select and monitor all services provided by third-party vendors, (i.e., collections and credit agencies and legal attorneys, etc.), ensuring high standards of service, cost savings and compliance with Citigroup's Vendor Management policy
- Develop, interpret and maintain effective controls that allow compliance with local and U.S. standards and statutory requirements, minimizing operational risk (i.e., RCSA, COB and GCCFRP)
- Design and monitor incentive plans that allow sustainable productivity levels
- Coach and source direct staff, identifying high-potentials and establishing succession plans to ensure business continuity
- Work closely with Operations & Technology team in deploying the right technology solutions for credit operations process
Credit Operations Analyst Resume Examples & Samples
- 2+ years of comparable work experience
- Bachelors' Degree in a related field
- Previous experience with Bank Debt, CDS, Fixed Income, and Loans
- Background using systems, such as: Omgeo, Eze Castle OMS ,Bloomberg, Icelink, Marketwire, DTCC and WSOB
- Knowledge of Derivative Clearing
VP-credit Operations Resume Examples & Samples
- Oversee the Know Your Customer Process, to include standard, specialized and enhanced due diligence
- Decision Merchant Credit Applications to quantify risk associated with varying business models consistent with the company's risk appetite
- Maximize return on investment through the structuring of approvals based on the merits of a credit profile and associated risk
- Analyze business models and applicant compliance with Payment Brand Rules
- Participate in multiple projects to help the continued support of regulatory requirements and system enhancements
- Bolster departmental controls to minimize compliance risk
- Design and retool operational processes to promote a positive customer experience
- Work with high profile customers at an executive level to negotiate the structure of approved deals
- Maintain a quality control program to ensure standard operating procedures are followed
- Provide consult and guidance to internal and external clients
- Hire and train existing staff to promote continued growth of skills and career development
- 5 TO 10 years commercial credit management experience
- 10+ years management history with a proven record of driving results
- Bachelors degree in finance, accounting or related field of study
- Ability to compile advanced level credit reviews
- Ability to manage multiple activities and projects in a fast paced environment
- Proficient negotiation skills
- Strong credit background and analytical skills - demonstrates a solid grasp of accounting and corporate finance
- Strong communication skills - able to partner with internal groups and interface with high profile external clients
- Experience with the creating and maintenance of a control environment with a previous experience in a regulated industry
- Payments experience is a plus
O&t-credit Operations Analyst Resume Examples & Samples
- Minimum 3-5 years experience in consumer lending business for handling unsecured products
- Self-initiative, good communication/interpersonal and problem solving skills, ability to motivate others, and strong sense of compliance awareness
- Experience in credit analysis from a financial institution covering unsecured lending products for consumer is preferrable
Credit Operations Manager Resume Examples & Samples
- Collections Management - Independently manage collections and cash applications for assigned portfolio providing support, direction and leadership. Drive improvements in collections portfolio to achieve set overdue and cash targets. Ensure prudent and necessary business decisions to manage risk and facilitate collections. Address customer payment issues and leverage the Business Engagement team to assist
- Business Process Excellence - Leverage the WW Credit Services Business Process Outsourcer (BPO) to achieve agreed performance metrics. This requires the individual to partner with the BPO and BPO Manager to ensure execution and delivery of goals
- Controls, Compliance & Accounting - Accountability for Control and Compliance for all processes for which assigned: Credit Holds, Rebate Deductions, Credit Term Extensions, Payment Plans, Write-offs, etc
- Cross-Boundary Collaboration - Participate in projects and drive engagement with peers in the WW Credit Services organization
- 3-5 years of related Collections experience supporting the Latin America region
- Must be bilingual in English and Spanish
- In depth working knowledge of the Latin American market
- Excellent leadership, interpersonal and organizational skills. Must be able to communicate effectively, work well in a team environment, negotiate with and influence others, and creatively solve problems
- Demonstrated ability to enable the success of others
- Must be able to work cross boundaries and influence key decision makers. The candidate must be able to see and maintain the big picture, identifying and evaluating opportunities for cross-group win-win collaboration
- Knowledge of Portuguese is preferable
- Expert knowledge of Collections processes and procedures
- Ability to thrive in an environment of working towards ambitious goals and targets and be held accountable
- Strong negotiating and influencing skills required
Opcr-credit Operations Specialist Resume Examples & Samples
- Strong knowledge of Banking Industry business structures a must, prior Auto Servicing experience desirable
- Must be willing to work in a fast-paced, heavy volume environment , volume fluctuates
- Ability to manage multiple priorities and meet strict deadlines
- Must have excellent attendance
- Must be highly adaptable to change
- Ability to multi-task: typing while reading, viewing multiple screens and systems, keeping up to date with new procedures and tracking all items processed
- Must have the ability to apply effective deduction skills
- Must have strong problem solving and decision making skills
- Must have strong research and analytical skills
- May require 10-key and/or data entry testing
New Account Lending Credit Operations Specialist October rd Resume Examples & Samples
- Make judgmental credit decisions based on your training, departmental standards, and quality standards
- Minimum of 3 years consumer and business credit card lending experience preferred
- Superior communication skills required; must be comfortable working in an environment with 100% phone-based customer interaction
- Open to change, ability to quickly learn new processes and adapt in a fast paced-environment
- Bachelor's degree preferred (a plus in business, finance or accounting)
- Approach customer situations logically and with good judgment to ensure appropriate outcomes for our customers and the company
- Detail oriented, critical thinker, and dedicated to accuracy
- Fluent in Windows Operating Systems and Microsoft Office tools
Regional SME Credit Operations / SVP Resume Examples & Samples
- Formulate regional credit initiation and collections strategy in consultation with risk and business partners covering turnaround times, expenses and unit costs and function scalability
- Ensure consistent delivery of customer focused services. Ensure Vital Few standards on application delivery are consistently met across EMEA
- Benchmark external and internal metrics on productivity and effectiveness and initiate country specific actions to improve overall performance
- Actively success transfer knowledge transfer across businesses/regions
- Establish and deliver strong processes to achieve business goals of high audit/self assessment ratings
- Exercise control over budget, policy formulation and planning
- Ability to evaluate Operations collection industry future directions and relate to future architecture needs and projects constituents or stakeholders
- Develop and implement an appropriate variable compensation plan
- Maintain Credit Operations as source of talent for the internal organizations, building career path and attracting internal and external resources
- 10 + years of Credit operations/Collections/Operations experience
- Ability to conceptualize and deliver a high-quality process and appreciation of Unit cost and productivity
- Incumbent must have a sound understanding of Financial Services, and a good grasp of the profitability dynamics of a retail bank/financial services organization
- Demonstrated strong understanding of the credit life cycle
- Strong analytical skills in addition to strategic and lateral thought process
- Strong influencing capability with peers and seniors
- Excellent communication skills with strong oral and written/presentations skills
Credit Operations Manager Resume Examples & Samples
- Leading and assisting in the implementation of global, regional and country compliance and AML policy requirements and processes including the enhancement and streamlining of such processes for Credit Operations
- Advise Credit Operations on process implementation of new/changes to regulatory/internal policies. Ensure such regulatory/internal policies changes and the corresponding process control changes are executed in compliance with the requirements within 60 days of implementation
- Leading and assisting in the implementation of Gold standard for Quarterly Manager Control Assessment (MCA) and Annual Risk Assessment on MCA for Credit Operations
- Review MCA results and highlight key issues/areas of improvements to the respective managers/unit head
- Timely escalations of key risk and control issue to Credit Operations Director/Unit Head
- Ensuring that relevant procedures and deviations are accurate, complete, and up-to-date, and are reviewed and if needed renewed on a timely basis
- Conduct periodic deep dive on key processes to ensure control robustness for these key processes
- Participate in cross-department projects/initiatives
- Degree holder with minimum 6 years of experience in the financial industry
- Working experience in supporting compliance and control functions
- Basic knowledge of Microsoft Office tools like Excel, Word, and Powerpoint
Senior Manager of Credit Operations Resume Examples & Samples
- Brings an expert level of business analysis competency to the organization, employing up-to-date, business analysis best practice tools and techniques: analysis and solution definition; enhancement and incident execution; technical recommendations and testing
- Manages a team that develops systems training materials, ensures applications meet internal audit guidelines, applications are ready for operational use and encourages user adoption
- Lead business process discussions with large groups of varying levels, with a high proficiency in process reengineering, business process design and modeling
- Experience formally defining use cases driven conceptual/functional requirements and communicating requirements to business leads, system architects and developers
- Experience conducting functional impact analysis for new capabilities and supporting creation of technical effort estimates for solution design and realization
Credit Operations Specialist Resume Examples & Samples
- Evaluate completeness and appropriateness of the application package documentation and coordinate with the Relationship Mangers to satisfy deficiencies
- Enter application timely and accurately into the application processing system
- Perform compliance and regulatory checks, obtain or order UCC and entity searches, tax liens and judgment searches, credit bureau reports, and professional status
- Review new applications and annual review packages to ensure proper segmentation and re-routing applications when appropriate (based on exposure and product type)
- Assist with data integrity review and follow up maintenance while identifying opportunities for process improvement to ensure integrity of data
- Support servicing and maintenance requests for existing portfolio clients (advances, BA's, LC's, loan structure modifications, collateral releases)
- Monitor and coordinate annual review, quarterly call reporting, and other portfolio monitoring activities, including compliance with escalation requirements
- Support Credit Center staff in coordinating and completing research on individual clients and portfolio matters
- Must have worked in a bank or financial service company and handled commercial credit applications
- A minimum of 2 to 5 years of experience in a financial institution with a focus on due diligence and entity documentation
- An Associate degree (or equivalent experience) in business, accounting, or finance with experience in credit and legal documentation. A Bachelor's degree is preferred
- Must have an understanding of tax returns, financial statements, entity documentation, bank statements, financial regualtions, credit reporting laws and practices, financial products, collateral lien perfection, negotiation , and excellent communication skills
- Must possess judgment with respect to appropriateness of tax filings, financial statements, entity types, financial products as related to financiang needs, financial regulations and Citibank policy (i.e. definition of a complete package, number of years of financials based on products requested amount, and time of year, etc.)
- Be computer savvy, proficient in Microsoft Office, particularly Excel
Credit Operations Resume Examples & Samples
- Creation of standard reports such as: "Turnaround Time Report" (TAT Report, "Credit Metrics" report, "Guarantee reconciliation" report 'Over hold account' reports "Hands-free" reports etc
- Querying and distribution of 'Daily Activity Report' (DAR Report)
- Creation of 50+ pages Quarterly Portfolio Presentation for the RCO (Regional Credit Officer) for Europe & MEA
- Preparation of ad-hoc queries and creation of reports from GCS (Global Credit Solution)
- Further development of existing queries & reports to improve efficiency
- Proposing new queries and reports to senior management
- Creating ad-hoc, customized reports and presentations, integrating IT and finance capabilities
- Database management: query writing, report creation, tailoring report content to various audiences
- At least 1 year experience in experience in database management
- At least 1 year experience in reporting tasks
- Good understanding of SQL language
- Strong Excel skills, (Charts, Pivot tables, Macros, etc)
- Strong MS Power Point Skills
- Masters degree in IT or Economics/Finance
- Good understanding Brio/Hyperion skills
- Understanding of IBM Credit systems
Credit Operations Specialist Green Bay Resume Examples & Samples
- Prepare financial statement spreadsheets of commercial borrowers utilizing an internal software program provided and internal tools
- Prepare trend cards for all loans in excess of $10MM and all Highly Leveraged Transactions
- Validate and update reporting requirements needed for monitoring commercial credits. This Includes input of annual review dates, financial statement dates, policy exceptions, rent rolls, appraisal data and other information required to properly monitor existing loan facilities. In coordination with various other departments within the line of business prepare letters outlining past due reporting requirements
- Prepare RPAs
- Calculate and/or monitor covenant compliance
- Order various credit reports or other research as requested
- Upon request, verify real estate tax payments
- Coordinate filing and imaging of all materials related to the credit files
Senior Manager, Credit Operations Resume Examples & Samples
- Lead a large part of the Credit Operations organization, managing up to 8 Supervisors, each with teams of 10-15 credit specialists, and eventually add two managers as the operation grows
- Drive teams toward exceeding operational goals, using metrics to ensure efficiency, quality, and customer experience in day-to-day operations
- Manage talent, recruiting, and budgeting. Partner with Finance, Recruiting, and Learning & Development to ensure department is staffed to meet service levels with our rapidly growing and changing business. Determine and monitor drivers to continuously adjust staffing models
- Partner with Business Operations and Product teams to develop new technology, data, and process solutions that result in big wins
- Create and implement reward and recognition programs to drive performance and foster a positive cultural environment
AVP Consumer Credit Operations Resume Examples & Samples
- Lead and manage the team to handle rule management support across various APAC markets
- Ensure key metrics are met
- 8-12 years' experience in asset underwriting/ operations / Decision engine management of which 2-4 years in Operational process management
- Ability to handle pressure, Strong interpersonal skills requ
Credit Operations Specialist Resume Examples & Samples
- Help us improve by providing feedback and ideas about issues, policies, and comments you hear from customers
- Lending experience a plus
- Strong interpersonal skills; professional, courteous, customer-friendly, warm, empathetic, level-headed and composed
- Ability to work independently in a highly structured and fast paced environment
- Proficiency in Windows and Microsoft Office Suite
Manager, Credit Operations Resume Examples & Samples
- Lead a size-able part of the Credit Operations organization, managing up to 5 Supervisors, each with teams of 10-15 credit specialists
- Develop a great management team. Actively seek to promote top performers within their teams to new skills, elevated positions, and other departments
- Assist with managing talent, recruiting, and budgeting
VP Consumer Credit Operations Resume Examples & Samples
- Lead and manage teams handling various country operations
- Work with country credit initiation teams and Regional Credit Initiation teams on an ongoing basis for strategic initiatives
- Deliver on defined TAT and accuracy levels
- Manage volumes and capacity requirements to meet efficiency and service levels
- Drive implementation of best practices from various countries across the region through review of process and reengineering
- Ensure a Pristine Control Environment - All operational risks to be assessed and mitigated, and control / audit issues actively managed to resolution
- Deliver reengineering saves as per planned initiatives
- Ensure all are trained on ongoing process as well as new regulations or policy changes
- Employee initiatives – VOE, address people issues, effective on-boarding and training, staff has clear goals and expectations, develop bench strength through attracting talent and mentoring
- Develop strong working relationship between the Consumer Ops site teams
- Effective escalation procedures to raise potential reputational risks and franchise issues, maintain a robust COB plan
- 10-12 years experience in Asset underwriting/Operations of which 5-6 years in Operational process management
- Leading and managing large teams (of 50+) for 2-4 years
- Experience in handling Centralized operations preferred
- People and process management and Communication skills
- Leadership stills - strong communication and presentation / public speaking skills
Manager Consumer Credit Operations Resume Examples & Samples
- Study and clarify requirements of the country risk team and propose functional solutions based on the required changes
- Analyze impact and design of the solution using trees, tables, path/rule sets
- Prepare policy understanding documents and ensure timely sign-off from stakeholders
- Perform unit testing and SIT Testing and send for UAT Testing timely
- Provide validation support, E2E UAT Testing support and production support
- Prepare cutover checklists and monthly releases, investigate irregularities / issues & advice users/fixes and ensure compliance with approvals and documentation
- Participate in activities/calls to understand user stories/scope and advise feasibility
- Perform full regression testing on DEV/SIT and UAT functions
- Responsible for development, support, maintenance and implementation of small to medium components of a project module. Work on problems of limited scope, through usage of standard software development concepts and principles
- Knowledge of Implementation and Production Support environments
- Knowledge of SQL / C language skills would be an added advantage
- Strong interpersonal and articulation skills (spoken and written)
- Strong team orientation and commitment to overall team success; willing to go above and beyond to ensure team success; intense customer focus and commitment to driving quality
- Effective time management skills in order to manage multiple priorities with flexibility on time zones and timelines
- Logical thinking, High analytical and problem solving skills; innovative and solutions oriented
- Enthusiastic and quick-learner in this rapidly changing environment
- Ability to work with others under guidance and deliver work on target
- Ability to understand processes and procedures quickly and put them in to practice
- Remains abreast of industry technical trends and new development to maintain current skills and remain current with industry standards
- Worked in an agile environment
- Fair to Good knowledge of the programming languages and associated tools
- Should be able to work on problems of limited scope, through usage of standard software development concepts and principles
Credit Operations Analyst Resume Examples & Samples
- Check for document completeness and spot inconsistencies
- Verify client declarations against supporting documents and assign appropriate job code, nature of business
- Calculate income for credit assessment in accordance with policies/procedures
- 2-5 years relevant work experience
- Sound credit judgment, in ensuring that apps are approved within the credit/regulatory guidelines
- Detailed examination of documents (income, id) & applicant profiling to prevent fraud
- Focus on turnaround time & processing accuracy
- High level of service to internal & external customers
Credit Operations Analyst Resume Examples & Samples
- Assist with the production of department MIS and reporting
- Receive and process customer requests/instructions through various channels ensuring proper due diligence. Accurately resolve investigation cases within designated timeframes and initiate oral or written communication (letters), if required
- Adhere to policies, standard framework decided stated by the company to meet client need
- Graduate with 0-3 years experience in banking operations
- Require excellent written and spoken English skills
- Candidate should have competency in Office tools
Avp-consumer Credit Operations Resume Examples & Samples
- Meet required productivity and error-free processing
- Review reports to ensure proper audit on documentation, perform control checks on document/instruction
- Proficiency in typing
Credit & Operations Manager Resume Examples & Samples
- Extensive experience in credit or risk analysis department from 5 years preferably from a bank or leasing/captive company (Credit part is prevailing in the position profile)
- Typically 3 to 5 years of operational management experience, preferably in the financial services industry in a commercial vehicle environment
- Experience in Collection
- Management experience of 2 years
- Management experience from 2 years
- Good financial understanding
- Strong business understanding
- Knowledge of credit and risk analysis
- Knowledge of Collection processes
- Knowledge of Financial Services industry
- Ability to train, develop and motivate their credit & risk team
- Fully proficient in English (oral/written)
- High communication and analytical skills
Credit Operations Analyst Resume Examples & Samples
- Cash reconciliations, position reconciliations, and reviewing loan documents/PSAs. These documents will be mostly in Japanese
- Daily interaction with custodian banks, trustees and prime brokers
- Daily interaction with front office, accounting, valuation and other areas supporting the Credit Funds business including employees in our Tokyo office
- Providing back-up and support to other Credit Funds as needed
- Participating in various projects across the business, in particular supporting Treasury, Loan Operations and the Accounting teams
- Handle day to day AP functions including allocation and submission of payments
Cbs-credit Operations Resume Examples & Samples
- Accounting Graduates, CPA an advantage
- Strong understanding of financial statements
- Strong verbal, written, and interpersonal skills
- Strong analytic and problem solving skills
- Works effectively in a team environment, while assuming individual responsibility
- Able to act independently in a high volume environment
- Ability to work in a fast paced, high production environment performing multiple tasks
- High level of proficiency in organizing, priority setting, and issues management
Credit Operations Clk Resume Examples & Samples
- Complete all written Verification of Deposits for the bank
- Complete all Quality Control Forms received in Commercial Credit
- Demonstrates good verbal and written communication skills
- Demonstrates self-motivation and ability to work independently
Credit Operations Head Resume Examples & Samples
- Manage controllable costs in line with business plan and forecasts, driving ambitious operational saves
- Provide Collections (both pre and post write-off), Credit Initiation and Fraud Operations services for different business units in Citibank across all product offerings
- Drive automation initiatives and straight through processing to enhance customer experience as a top priority
- Control delinquency and Fraud losses through effective management of the collections and Fraud Control processes and activities
- Select and monitor all services provided by third-party vendors (i.e., collections and credit agencies and legal attorneys, etc.), ensuring high standards of service, cost savings and compliance with Citigroup's Vendor Management policy, also provide oversight for offshored activities. Drive any consolidation initiatives in this area to ensure maximum efficiency in third parties under management
- Develop, interpret and maintain effective control, to manage infrastructure requirements that allow compliance with local and standards and statutory requirements minimizing operational risk (i.e. MCA, COB and GCCFRP)
- Ensure that all process and controls are documented and comply with regulatory and country Regional / Global Citigroup Policy
- Develop and implement MIS to manage people and processes - take pre-emptive and corrective action as appropriate. Ensure optimal productivity and efficiency in all areas
- Leadership - Build, Develop and Lead a highly skilled and motivated team, that strives for excellence and maintains highest standards of performance
- Expense Leadership – Develop a Model to plan and forecast capacity and expenses, and ensure optimal utilization of resources meeting all the plans and budgets
- Ensure Credit, Collections and Fraud Management policies are adhered to, and provide inputs to policy and process as required so as to improve portfolio performance and optimize the balance between risk and expense
- Ensure documentation and maintenance of SLAs with all the interdependent functions to provide service excellence to all the Clients
- Develop and Implement a process of Self-Assessment to keep maintain highest standards of quality in processing and adherence to all the applicable policies
- Solid Credit Operations Management experience gained in a retail bank, card company, other retail financial services institution or consumer credit provider. Minimum of 10 years experience
- Strong understanding of credit and fraud policies
- Understand how own function integrates within the overall organization to contribute to achieving business objectives; requires a good working knowledge of the industry, local regulations and laws
- Be a Hands on and Peoples manager and drive employee satisfaction
- Experience in leading large teams and working with senior Leadership
- Experience in setting up processes and implementing policies in Credit Operations Functions
- Demonstrated strong understanding of the credit lifecycle
- Understanding of the people and change management issues unique to an operations environment
- Cross cultural experience
- Sound knowledge of working of systems
- Planning, Leading & organising skills
- Process improvement focus
Cbps Credit Operations Specialist Resume Examples & Samples
- Advanced knowledge in MIS Office. Problem solving and analysis - demonstrate an ability to act appropriately on problems and analyze cause and effect
- Exudes positive/can-do attitude
- Strong work standards
Credit Operations Group Manager Resume Examples & Samples
- Formulate regional credit initiation strategy in consultation with risk and business partners covering turnaround times, expenses and unit costs and function scalability
- Help deliver the yearly Credit operations expense plan across EMEA
- Drive down unit cost of both loans and cards processes
- Ensure consistent delivery of customer focused services
- Ensure Vital Few standards on application delivery are consistently met across EMEA
- Help build the enablers necessary to achieve the goals through partnership with in country operation teams, regional technology and global partners
- Develop scalable operations through process automation and outsourcing/off shoring as needed
- Maintain an understanding of technological developments for Credit Initiation, working closely with Technology and Project managers
- Tie capacity planning with operating expenses and efficiency
- Ensure adequate governance over credit operations outsourced partners
- Ability to evaluate Ops collection industry future directions and relate to future architecture needs and projects constituents or stakeholders
- Work closely with regional and global office on critical projects to enhance country collection performance in process standardization and operational efficiency
- Implement/expand auto-dialer coverage and work force management tool in the region
- Maintain Credit Ops as source of talent for the internal organizations, building career path and attracting internal and external resources
- 10 + years of Credit operations/Collections/Operations experience. Ability to conceptualize and deliver a high-quality process and appreciation of Unit cost and productivity
- Experience of a matrix reporting structure
- Ability to work and provide leadership to diverse and geographically dispersed teams
- Self-starter who is capable of defining work-slate for self and country teams
Assistant VP-consumer Credit Operations Resume Examples & Samples
- Work closely with partners in risk, credit ops units to understand policy/ process requirements , timely delivery and partner communication with 100 % accuracy and solving business problems
- Develop understanding of consumer asset products across markets in Asia
- Analyze underline data requirement and prepare requirement documents and Effort estimation
- Support users in UAT, Regression testing, Sanity checks
- Ensure all teams are properly trained ongoing process as well new regulations or policy changes
- Work with the regional credit initiation team on strategic initiatives and provide feedback at relevant times
- Develop bench-strength through recruitment, mentoring and developing talent for staff and supervisors/managers
- Define and track metrics for performance measurement, service levels and monitoring key triggers for early warning signals
- 8-12 years' experience in asset underwriting/operations/decision engine management of which 2-4 years in Operational process management
- Experience of handling multiple markets preferred
- Should have handled at least team of 20+ resources for 2-3 years as manager
- Should have working experience on SQL programming
- Team building - Ability to manage diverse teams, conflict management
- Strong interpersonal skills required
Credit Operations Control Head Resume Examples & Samples
- Candidate must possess at least bachelor's degree in Accounting, Finance, Business, Information System or equivalent
- Minimum 10 years of years of working experience in banking or control / audit related functions
- Fluent in Bahasa Indonesia and English both verbal and written
- Able to work under pressure as a team or individual
- Highly motivated individual and able to motivate a team
- Able to adapt quickly
Director, Credit Operations Resume Examples & Samples
- 30% Develop strategic plans to improve the customer experience with existing financial services products. Prioritize and schedule development efforts so as to maximize financial returns and operational flexibility
- 50% Oversee development of detailed project design/implementation plans. Monitor schedules to ensure deadlines are achieved
- 10% Evaluate financial and operational/quality results of new programs against predetermined goals. Determine whether programs should be rolled out and, if applicable, develop implementation strategies and budgets
- 10% Design, communicate, and monitor progress on individual development plans for all associates in group
- Preferred 8 years of experience
- A thorough understanding and knowledge of the principles/disciplines of financing, including Account Acquisition & Activation, Sales Promotion, etc
- A strong grasp of Project Management skills and requirements
- Able to manage/coordinate multiple, simultaneous projects. Understands and teaches Time Management skills, and uses those skills to deal with unplanned projects and interruptions
- Able to think strategically about business problems and opportunities, and to focus efforts on projects that most closely support key company initiatives
- Very strong communication skills, both verbal and written
VP-credit Operations Closing Date Resume Examples & Samples
- Lead, coach and develop the Credit Operations Team by establishing a positive work environment that promotes continuous learning, development, and retention of highly effective employees. Provide a clear vision for the team by developing an effective plan for daily work flow management and promote a team atmosphere by supporting and modeling the basic principles of the organization. Perform all human resources functions for Team
- Provide leadership, including participation in cross-functional teams and workgroups that help promote relationships with Retail, AgDirect, and County Home Loan leadership as well as Retail Credit Underwriting Team partner relationships. Work effectively with leaders and functional teams to implement recommendations and achieve operational excellence. Develop and implement recommendations as well as monitoring and efficiency measurement systems to accomplish Association objectives
- Collaborate with Regional Credit Leaders and VP Credit Operations to maximize workload efficiency, leadership consistency, and coordination between the credit teams
- Financial Information Analysis
Credit Operations Manager Resume Examples & Samples
- Bachelor's degree required
- Minimum 5 years of experience in Credit Underwriting
- Minimum 7 years of work experience in a bank
- Minimum 5 years of supervisory experience
- Must be knowledgeable with bank credit policies and procedures, back office processes and systems
- Be very familiar with applicable laws and banking regulations
- Proficient with personal computers and various software programs (e.g. Microsoft Word, Excel and PowerPoint)
- The ideal candidate will be skilled in managing projects, leadership, creating and delivering presentations, loan underwriting and financial analysis
- Must have the ability to communicate effectively in both verbal and written form with all levels of Bank personnel and outside contacts
- Able to manage several projects concurrently, often with tight deadlines
- Work well with all levels of management and staff
- Mentor and coach subordinates, supervise and delegate assignments
- Ability to effectively plan, organize and execute within deadlines
- Responsible and accountable for appropriate quality controls related to the financial products we provide, the services we deliver, the processes we employ, and the incentives with which we reward our colleagues
- Ensure that all City National products, financial solutions and services are provided ethically and with integrity in a manner that is consistent with the client-first culture and values embodied in City National's PRIDE statement
Credit Operations Head Resume Examples & Samples
- Fluent in English (Mandarin and Cantonese will be an asset)
- Bachelor/Master degree
- Minimum 10 years` experience in banking operations
Credit Operations Analyst Resume Examples & Samples
- Associate Principal- Asset Management (functional reporting)
- M.Com./B.Com. with 3-5 yrs. of work experience, preferably with wholesale banking operations / real estate sector
- Additional qualification like MBA in Finance/ CA Intermediate / CWA Inter is preferred/ CS intermediate
- Qualified banking credit operations professionals (large private banks such as Bank of America, Deutsche Bank, JPMC etc. or Trusteeship Companies) would be preferred
- Sound knowledge of wholesale financial services domain and strong understanding of wholesale banking operations
- 2+ years of experience in asset management or credit operations
- Strong understanding of investment lifecycle, assets and liabilities, credit operations
- Good understanding MS PowerPoint, MS Word
Manager, CIP Credit Operations Resume Examples & Samples
- Provide analysis to support the execution of compliance risk management and oversight. This will include providing information to enable first lines of defense to proactively monitor and assess compliance risk, compliance performance, emerging compliance risks, and the design and operational effectiveness of the Credit Operations processes
- Consistent monitoring of results from third party identity verification vendors along with decision engine and analysts clearing of services is paramount in this role
- This role encompasses ownership of productivity monitoring and reporting, collaboration with key members of business units within and outside of New Accounts and the development and approval of policies and procedures
- Cultivate and maintain effective working relationships within the New Accounts team, CSCM and members of risk management teams
- Lead team to find innovative solutions to verifying and obtaining information in a real time environment promoting a Customer Experience primarily driven through a digital framework
- Aid the New Accounts team in developing an industry leading Customer experience through the credit process
- 5-7 years related experience in Financial Services, Risk, or Operational roles
- Proven analytical and project management skills
- Sound understanding of regulations as it relates to CIP
- Demonstrated track record of working effectively with cross functional partners including the field centers
- Collaborative and proactive problem-solving skills with a high level of detail
- The ability to gain buy-in and promote change throughout the organization
- Experience in leveraging technology to deliver business solutions
Credit Operations Specialist Resume Examples & Samples
- Review accounts to determine eligibility and/or assess risk
- Respond to customers via phone and/or written communications
- Comprehend, determine and direct the specific verification and/or investigative procedures to be used in the processing of a customer's information
- Negotiate directly with customer and/or third parties to ensure both customer and business requirements are met
- Analyze and interpret financial documents
- Regularly resolve highly complex customer situations
- Credit experience desired
- Ability to clearly communicate through both verbal and written means
- Ability to interpret data and organize information
- Ability to follow procedures and make judgmental decisions against general policy or regulatory guidelines
- Ability to meet established performance and quality standards
- Ability to navigate in multiple processing systems. Typically involves collection, verification and review of information
- Routinely required to make complex judgmental decisions
- Must be able to communicate and support decisions
- Challenges include workload, meeting quality, phone productivity, queue productivity and timeliness standards
- Must possess broad based product knowledge
Credit Operations Function Group Manager Resume Examples & Samples
- Lead and provide direction to country credit operations teams to deliver exceptional performance in building remarkable customer experience, productivity, cost and control targets
- Lead and understand the implications of digital advancement and the Servicing 2020 strategy in all Credit Operations functions. He/ she will be responsible to transition all processes to mobile platforms by 2020 to support our vision of 80% digital acquisition and 80% digital servicing
- Support country business leaders in meeting expense, credit loss, net fraud loss, new account booking targets and ensure agreed SLAs are followed
- Review and approve country capacity plans to ensure sufficient processing capacity in place to handle volume in collection delinquent accounts, new application volume and fraud alert
- Drive continuous improvement in customer experience and operational efficiency towards lowering unit costs (from initiatives like process simplification, straight through processing /automation and location and resources strategies and resultant improvements in NPS)
- Comply with all global, regional and country policies and embed appropriate controls in all operating environment
- Conduct benchmarking exercise with competitors and best practice sharing among country teams to ensure best in class performance
- Develop talent and ensure succession planning is in place for all key leadership positions in the region (Country Credit Operation head, Collection head, Fraud execution head and regional Functional leaders)
- Bachelor's degree. An MBA or equivalent advanced degree desired
- 15+ years of experience, with substantial years of experience in Consumer Banking or related fields
- Strong understanding of both local and global compliance and regulations
- Good understanding of the new technologies that will enable digital advancement in operational areas
- Experience managing large groups of people
- Strong command of both spoken and written English
Cbna-o&t-credit Operations Analyst Resume Examples & Samples
- Process account related adjustments such as: financial adjustments, account closure, dispute handling, invalid write off, etc
- Responsible for DOSRI accounts monitoring and reporting. Submits other regulatory reports as deemed required by BSP/other financial institutions
- Facilitate processing of customer requests coming from the various units in the bank in a timely manner such as request for certificate of full payment, statement of account
- Manage booking of accounts under the Risk Mitigation program and ensure alignment with policy
- Interact with Risk Management related to account booking and maintenance and provide MIS reports
- Involvement in cross functional projects for new initiatives and system enhancements. Provide additional inputs in terms of controls to be put in place
- Participate and represent the unit during audit reviews
- With relevant experience in Consumer Credit Operations
- Strong process and analytical skills
- Strong knowledge on credit processes
- Good communications and people skills
- Highly organized, team players, proactive and with strong customer service orientation
- Ability to translate business strategy to detailed process with high attention to details and solve problems in an expedient manner
- With good oral and written communication skills
Credit Operations Resume Examples & Samples
- Principal- Investments (functional reporting)
- Head – Wholesale Credit Operations (administrative)
- M.Com./C.S./B.Com. with 4-6 yrs. of work experience, preferably with wholesale bank
- Additional qualification like MBA in Finance/ CA Intermediate / CWA Inter is preferred
- Qualified banking credit operations professionals (large private banks such as Bank of America, Deutsche Bank, JPMC etc.) would be preferred
- Sound knowledge of wholesale financial services domain and strong understanding of wholesale financial service operations
- 3+ years of experience in investment management or credit operations
- Prior experience in handling aspects of audit, compliance, maintaining accounts would be preferred
- Well versed with Companies Act, 2013 and Secretarial Standards issued by ICSI would be preferred
- Strong proficiency in MS Excel, experience with use of technology systems
- Ability to multi-task, work successfully under pressure, effectively manage time & workload
- Attention to detail, ownership of issues, determination to follow through with urgency
- Transaction/deal docket preparation
Credit Operations Analyst Resume Examples & Samples
- Knowledgeable in MS Office (Excel, Word, PowerPoint)
- Process oriented and has a good grasp of the different policies and procedures involving FMU
- Ability to work well with other officers since investigations normally coordinates with other units/department/branches
Credit Operations Analyst Resume Examples & Samples
- Graduate from a reputed college & PG in Finance Preferred
- 1-5 years of relevant experience in mortgage industry
- Well verse with MS Excel
- Ability to work under tight deadlines and to prioritize conflicting and changing priorities
- Ability to liase & follow-up with internal stakeholders and vendors
- Good written & verbal communication skills
- Expertise – we strive for a deeper understanding of our domain
- Innovation – we aspire to do things creatively
- Provide sound, independent (unsolicited) credit advice, recommendations and quality feedback on Home Loan credit proposals
- Process credit proposals of House Loan/LAP borrowers
- Underwriting of Home loans by calculation of eligibility, ratio analysis, understanding the industry scenario at micro & macro level
- Study of the repayment track of the company as well as the individuals
- Thorough in-depth financial analysis of the customer backed by the regulatory, internal checks & preparation of case appraisal notes
- Meeting the customer to understand the business profile, his business terms, and his needs in terms of product/s, funding requirements and structure a deal for him while initiating a relationship alongside
- Meeting the loan applicant at his/her location and conduct personal discussions, field investigation and authorization of the details of KYC submitted - residential address, photo identity, land details/survey location etc
- Understanding of property related aspects like legal title and market value of the property etc , for clear mortgage of the property
- Coordinating with sales, operations, trade, legal, technical and customer service departments in
O&t-credit Operations Analyst Resume Examples & Samples
- University graduate with 3 years' working experience in consumer credit business, preferably credit underwriting for mortgage or other secured lending application
- Good accounting and financial analysis skills
- Proven credit analysis experience gained from a financial institution with in depth knowledge and structured credit
- Proficient in Excel Spreadsheet and excellent skills in financial and credit risk analysis
- Willing to work overtime and shift duty
- Possesses decision making and problem solving techniques
- Good command of both spoken and written English and Chinese
Credit Operations Risk Analyst Resume Examples & Samples
- Proactively provides support to the Business and ensures that operational areas are in compliance with corporate policies, business procedures, regulatory and legal standards. Partners with the businesses by recommending and developing solutions when not in compliance
- Analyzes processes and identifies risks. Ensures appropriate controls are in place. Identifies control issues and increased risks in the Business, performs root cause analysis. Drives and validates corrective action plans
- Responsible for preparing and validating audit deliverables. Interfaces with auditors from internal (IA, Cards Compliance) and external (OCC, KPMG, CFPB, etc.) audit entities
- Partners with other lines of business to ensure consistency and to leverage best practices
- Support the integration of Living Client Excellence; identifies changes to improve the client experience
- Supports several business units/functions by providing day-to-day support and acting as a consultant to the business. Requires broad business knowledge serving as subject matter expert for processes and accuracy of risk and control documentation
- Experience in Credit Operations processes
- Operational Risk Management, Control, or Audit background or knowledge preferred
- Solutions-focused, able to sort through information and develop concise and clear solutions quickly
- Detail-oriented with a logical and methodological approach to problem solving
- Excellent research, writing and verbal skills
- Must understand operational risk and identify gaps proactively
- Ability to multi-task and support/manage multiple projects simultaneously
- Excellent analytical thinking, problem solving, and time management skills
- Ability to present a case for ideas and initiatives through listening and articulating a convincing point of view
- Superior execution skills with a focus on clear, realistic action steps and timeliness
- Flexible and easily adapts to change
- Strong matrix management skills, ability to manage upward and across in the organization
- Deep understanding of policy and operations in a financial institution -- Customer Contact processes, work flows and hand offs
- Audit or control experience preferred
- Successful experience in a fast-paced environment
- Must be able to multi task and support/manage multiple projects simultaneously
- Strong Interpersonal skills and ability to work well in a team environment collaborating across diverse groups
- Ability to present a convincing case for ideas and initiatives through listening and articulating a convincing point of view
- Innovative. Well versed in developing new ideas and improving current processes
Credit Operations Test Analyst Resume Examples & Samples
- Test software enhancements against specification documentation to ensure the performance is consistent with the written specifications. Ensure compliance with Bank and government regulatory requirements
- Review and contribute to software program specification documentation
- Interpret, analyze and gather additional information related to specification documentation in order to prepare detailed written test plans
- Identify, analyze, and document defects, questionable functions, errors, and inconsistencies in software program functions, outputs, online screens and content
- Identify software enhancements or revisions and prepare necessary documentation to initiate the enhancements, if needed
- Assist in the development of documenting procedures and creating training materials
- Develop knowledge of supported software applications and business processes
- Effective analytical, organization, planning and time management skills
- Ability to work irregular hours in order to complete tasks and meet deadlines
Head Credit Operations Resume Examples & Samples
- A minimum of 10 years relevant experience preferably across one or more areas
- Collections, Credit Initiation and Fraud Control
- Ability to deal comfortably on a highly matrix structure
- Ability to work under pressure and solve problems in an expedited manner
- Good communications and negotiation skills
- Team player and leader
- Strong analytical and judgmental skills
Credit Operations Specialist Resume Examples & Samples
- Bachelor's degree in Finance Accounting preferred or other Business-related courses
- 1-2 years experience in a banking / credit environment preferred
- Self motivated with ability to work independently in a fast-paced environment
- Results oriented team player with a high level of proficiency in organizing priority-setting and issues management a must
VP, Credit & Operations Resume Examples & Samples
- Works with members of Executive Management to implement short and long–range Company goals, objectives and policies. Monitors operational effectiveness and effects changes required for improvement. Develops workable implementation plans. Communicates changes effectively. Builds commitment and overcomes resistance. Prepares and supports an integrated change management approach. Serves on or leads the business Operations Committee and / or its sub-committees in support of key business initiatives. Provides strategic direction to teams that are designed to support strategic goals and key business initiatives. In concert with leadership supports the introduction of new product lines, portfolio acquisitions and new business direction through evaluation of risks, competition, company value proposition and impact on organizational structure. 20%
- Provides strategic leadership and direction to Credit Underwriting Team, Speed Processing Team and Credit Administration. Working through the AVP-Credit and AVP, Speed Processing and teams in support of the Company's then in effect Credit Policy, drives credit administration, underwriting, risk assessments and ensures that the team is working collaboratively with Sales and other functional areas in order to meet Companywide business objectives. Serves as a senior member of Credit Committee with significant credit authority as granted by the Credit Policy and approved by the Board of Managers and the Bank's Risk Committee structure. 20%
- Provides strategic leadership and direction to the Loan Operations Team. Working through the AVP-Loan Closing and team in support of Company objectives. Is responsible for the strategic direction of loan operations / loan closing such that it is scalable as the business and the group's role continues to grow and evolve. Insures loan documentation is current and meets the needs of the business. Champion's system enhancements and work flow process improvements in support of meeting negotiated service level agreements (SLA). 20%
- Maintains an up-to-date Credit Policy in accordance with the business group needs and within the Banks overall risk tolerance. Ensures that the business as a whole is effectively trained and functioning in accordance with then in effect policy and is compliant with all applicable laws and regulations pertaining thereto. Develops a strong partnership and relationship with the parent's Chief Credit Officer and updates and involves the Chief Credit Officer as required. 20%
- Other duties as required. 20%
- Strategic Thinking: Develop strategies to achieve organizational goals; understand company's strengths and weaknesses; adapt strategy to changing conditions
- Leadership: Exhibit confidence in self and others; inspire and motivate others to perform well; effectively influence actions and opinions of others; inspire respect and trust; accept feedback from others; provide vision and inspiration to peers and subordinates; give appropriate recognition to others; display passion and optimism; mobilize others to fulfill the vision
- Project Management: Develop project plans; coordinate projects; communicate changes and progress; complete projects on time and on budget; manage project team activities
- Problem Solving: Identify and resolve problems in a timely manner; gather and analyze information skillfully; develop alternative solutions; work well in group problem solving situations; use reason, even when dealing with emotional topics
- Communication: Speak clearly and persuasively in positive or negative situations; listen and get clarification; demonstrate group presentation skills; write clearly and informatively
- Team Work: Balance team and individual responsibilities; exhibit objectivity and openness to others' views; give and welcome feedback; contribute to building a positive team spirit; put success of team above own interests; able to build morale and group commitments to goals and objectives; support everyone's efforts to succeed; recognize accomplishments of other team members
- Bachelor's Degree in Business Administration or equivalent work experience, Advanced degree a plus
- Min. 10+ years' experience with formal credit training or equivalent experience, strong loan documentation and secured transaction experience
Credit Operations Resume Examples & Samples
- 3+ years of Public Accounting and/or Private Industry experience
- Fund Accounting background
- Experience within Finance and Accounting within a Credit or Private Equity firm
- Hands-on experience of closed end Fund structures and dealings with External Administrators
- Solid analytical, mathematical, and research skills
Credit Operations Analyst Resume Examples & Samples
- Manage and ensure deviation approval goes to the correct matrix
- Provide reports and feedback Credit Policy, Sales and Distribution, Marketing, and other unit related to Credit Initiation on credit application processing
- Manage and ensure all marketing or risk acquisition program are processed based on established standards (SAF)
- Support in developing enhanced programs/system to improve efficiency in daily operation of credit processing
- Support audits as tester (if requested)
- Manage and ensure credit application process for New to The Bank (NTB) are within service indicator and in accordance with policies and procedures
- Analyze, review credit application within the prospects credit limit matrix
- Manage and monitor follow-up cycle time of credit application process
- Manage and review cancelled or rejected applications to enable the feedback loop to Sales and Risk
- To do matching analysis as part of credit card process
- To match new applications to database of approved, rejected, cancelled application and re-check with blacklist data to ensure these are matched or not to the previous application
- To be responsible in giving valuable information regarding application to authentication internal staff and approver/credit limit assigner, based on available information in database and new application
- Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important
- Solid problem solving skills
- Good analytical skills with high attention to detail and accuracy
Credit Operations Specialist Resume Examples & Samples
- Issuance of letters of credit and dealing with the resultant claims and payment process to support the business
- Collating, reviewing and presentation of relevant documents under documentary letters of credit to the banks for payment
- Maintain close working relationships with Traders Operators and Credit Portfolio Management in all credit related matters
- Assist in enhancing levels of communication between the team and Front office in order to increase efficiency and improve the quality of the work
- Support the Head of Credit Operations in managing the IST bank relationships
- Monitor the trade transactions in an accurate and timely manner to ensure compliance with credit approval terms
- Foster support to cross functions -Negotiating key contractual terms relating to credit, in partnership with the Contracts and Legal team
O&t-head of Credit Operations Resume Examples & Samples
- Bachelor's degree in Business, Economics or related disciplines
- MBA or equivalent advanced degree desired
- Minimum of 10 years relevant experience preferably across one or more areas - Collections, Credit Initiation and Fraud Control
- Strong understanding of Citigroup's credit and fraud policies (GCCFRP)
- Experience in managing a large group of people
Credit Operations Manager Resume Examples & Samples
- Managing daily cash application to ensure accurate and prompt timely application of customer payments
- Managing daily work activity to meet performance metrics
- Identifying new business trends and determining course of action that should be taken, manage and administer some of the third-party systems used by Customer Financial Services (examples credit card processing, contact for third party credit agencies) and internal audits with includes SOX reporting and compliance
- Participate in creation of policies identifying inefficiencies and implementing revenue opportunity changes in procedures as related to cash application and the overall credit function
- High School diploma along with a minimum of 5+ years relevant work experience in credit, accounting and finance
- Must be able to demonstrate strong software skills required
- Demonstrate proficiency with Microsoft Office products (Outlook, Word, Excel and Power Point), effective interpersonal communication skills (verbal and written), and ability to work collaboratively on a team with solid critical thinking skills, strong organizational and prioritization skills
- Must be comfortable working with customers and heavy phone work
- 4-year degree strongly desired
- Prior experience in Credit, Accounting or finance strongly desired
- Prior knowledge to JD Edwards ERP system would be beneficial and helpful for this position
- Strong verbal and good written communication skills required as this position will be communicating with other cross function teams and staff
- The ability to manage multiple task at one time and demonstrate agility
- Strong aptitude for financial matters
- Proficient in Microsoft Office (Excel, Word, PowerPoint) and Microsoft Outlook
- Strong interpersonal skills with the capacity to negotiate with all levels of employee
- Have the ability to be a strong change management leader that can lead and embrace change
Credit Operations Analyst Resume Examples & Samples
- Coordinate with client on business and technical requirements related to change requests and projects; define specifications and plan tasks for executing on requests in timely and accurate manner
- Analyze change requests, factoring current parameters to ensure result meets requested objectives; Set and manage client and internal expectations with regard to system functionality, compliance, and timeframes; keep clients apprised of significant operational system changes or issues; Assess change requests related to requirements to assess overall impact, including documentation and approval
- Ensure quality change management; Monitor, control, update and coordinate changes to existing change requests while summarizing and communicating status, producing effective reports, as appropriate; Analyze and interpret reports and queries as part of meeting business objectives
- Identify and report outstanding issues to stakeholders; assist with issue resolution
- Provide technical support to credit unions during the design, development, and implementation phases of the project/change request
- Provide Post implementation support, onsite if applicable, for projects and/or change events
- Establish and maintain positive, professional relationships with internal and external clients
- Identify and implement improvements to defined processes within the department
- Maintain general knowledge of PSCU solutions offerings and service applications, including key functions and associated reports; understand which applications/solutions will best support change requests
- Maintain general understanding of CARD Act, Regulation Z, and other key regulations
- Associate's Degree in Business, systems, or related field, or equivalent combination of education and experience required. Bachelor's degree preferred
- Three (3) years of related experience in the payment processing industry required. Thorough understanding of payment card products, support services and processes required. Three (3) years of related experience in business or system analysis
- ALP/PCF background preferred
- Demonstrate behaviors based on PSCU values
- Ability to communicate effectively in both verbal and written formats; proven facilitation and conflict resolutions skills
- Ability to track and control activities in a fast-paced environment, while managing multiple change requests and tasks
- Demonstrated excellent analytical skills, with ability to manage complex factors in multifaceted projects
- Ability to exercise discretion and good judgment in making decisions
- Proficiency in word processing and spreadsheet computer software applications
- Ability to travel as needed to successfully perform position responsibilities
- Ability to maintain confidentiality of materials handled
Credit Operations Manager Resume Examples & Samples
- Hands on manager of Optum Bank's Credit Operations area
- Responsible for the accuracy of booking a substantial volume of new commercial loans and leases annually, for loan documentation and collateral, for over a high volume of monetary transactions and for monitoring, servicing and reporting on the loan portfolio
- Reports to the Chief Credit Officer and manages 3 people
- Has a high level of responsibility and requires a thorough, professional, and detail oriented person with strong experience in credit operations
- 2 or more years of experience with credit operations
- Experience working with Microsoft Excel for reporting
- Experience analyzing data and communicating findings to leaders
- Experience with people management
Analyst, Credit Operations Dispute Resume Examples & Samples
- Review dispute requests to validate and ensure proper coding
- Research to determine root cause
- Coordinate resolution with various internal departments (Credit, Sales , return support team, suppliers and customers)
- Research and resolve customer disputes to facilitate payment or issuance of credit to customer invoice
- Determine if order reversal is necessary and submit reversal request
- Escalate as needed to ensure timely resolution
- Knowledge of commonly-used concepts, practices, and procedures within the Credit and Collections field
- Requires spreadsheet and word processing skills and basic understanding of accounting practices
- Basic skills in analyzing, evaluating and assessing simple financial ledgers, spreadsheets and related financial information
- Good Math skills
- Knowledge of credit and collections or billing resolution
- Ability to apply judgment and exercise responsibility within area of authority to ensure timely dispute closure
- Skill in providing customer service
- Ability to establish and maintain effective working relationships with co-workers, internal, external customers, vendors and suppliers
- Two (2) years of credit, collections, dispute analysis and resolution or closely related experience
Cbna O&t-credit Operations Analyst Resume Examples & Samples
- To provide accurate and factual desktop investigation of possible fraud applications
- Provides timely feedback on the result of the investigation to other units to minimize customer complaints
- To proactively identify fraud application trends and develop schemes and/or processes to detect/deter them
- To constantly revisit fraud application investigation processes and apply/recommend improvements to better manage fraud risk
- To support FMU's initiatives in minimizing operational expenses and fraud losses
- Can be line balanced (FTE Complement) with other Fraud functions
- Prepare daily MIS of the pending dispositions for approval
- Conducts phone verification to applicants, private and government offices
- Conducts Fraud awareness training to Credit, Sales and Collections team
- Prepare and submits the monthly dashboard slide for Fraud Applications
- Conducts daily validation and monthly quality review of the desktop review of KL team
- Perform other Ad hoc functions as assigned by the supervisor or CFM
- With knowledge about Credit Initiation process
- Knowledgeable in MS Office (Excel, Word, Powerpoint)
- Attention to detail and strong analytical skills and logical reasoning