Credit Officer Resume Samples

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Credit Officers assist customers with loan applications for such things as cars, college tuition, and new homes. Responsibilities highlighted on sample resumes of Credit Officers include advising customers on deal terms and structures, preparing risk memos identifying key risks factors and making recommendations on deals, and presenting credit assessment and recommendations before the credit committee. Those interested in becoming a Credit Officer should be able to list a bachelor's degree in finance or business on their resumes.

For more information on what it takes to be a Credit Officer, check out our complete Credit Officer Job Description.

Looking for cover letter ideas? See our sample Credit Officer Cover Letter.

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1

Credit Officer

Specialty finance, working directly with our clients also generates new client revenue as well as grow existing relationships. Communicate directly with underwriters and managers to make sure your client transactions complete smoothly. Work directly with management to ensure client satisfaction and to make sure the firm is meeting all client needs.

  • Ranked in the top 3 in loan volume.
  • Improved follow up procedures which resulted in both increase in overall loan volumes and
  • Increase personal loan production each month by 25% and maintained a consistent 35%
  • Initiated promotional events and training classes, resulting in increased sales, brand
Candidate Info
25
years in
workforce
1
year
at this job
BS
Bachelor of Science
2

CREDIT MANAGER | SENIOR CREDIT OFFICER

Oversaw company-wide commercial and consumer finance credit and accounts receivable portfolios, with a focus on minimizing financial risk and exposure related to client finance contracts. Approval authority up to $500K. Portfolio included loan and finance contacts with aggregate average balance of $275 million.

  • Credit Risk Analysis: Developed and implemented a universal Credit Scoring Model utilizing a 10 point risk rating scale to boost risk analysis accuracy resulting in improved loss reserve provisioning.
  • Credit Exposure Monitoring: Reduced turnover time of annual reviews increasing productivity and timeliness of credit decisions by 100% over prior levels.
  • Credit Portfolio Management and Accounts Receivable Management: Achieved efficiencies within Credit department and Accounts Receivable department, building consistency with adherence to credit policies and procedures and collection practices and improving on collection delinquency goals.
Candidate Info
20
years in
workforce
11
years
at this job
MS
Accounting And Financial Management
MBA
Business Administration And Management
3

ASSISTANT VICE President-credit OFFICER

Completed loan write-ups and cash flow analysis on loans greater than $250K

  • Handled all escrowed loans and performed annual escrow analysis
  • Performed various reports and analysis for upper management - Microsoft Excel was used daily for preparing spreadsheets for loan officers.
  • Assisted compliance department with Home Mortgage Disclosure Act
  • Maintained and updated all credit files
  • Analyzed credit reports and credit scores
Candidate Info
8
years in
workforce
5
years
at this job
BBA
Bachelor of Business Administration
4

Credit Officer

Mobilized single mothers and female heads of household and trained them in business, loan and savings management skills.

  • Organized women into village banks/groups of 15 - 30 members; trained them in the village banking concept; and inaugurated over 45 village banks each year.
  • Advocated for women's economic empowerment at the local council level (village leadership), which resulted in their involvement in the management of the community's local market and increased their marketing skills and participation in community leadership in the remote areas of the central and eastern regions of Uganda.
  • Sensitized communities on the significance of supporting women's economic empowerment.
  • Prepared weekly, monthly, and yearly reports, which facilitated monitoring, and evaluation of the loan cycle.
Candidate Info
4
years in
workforce
2
years
at this job
HS
Financial Management
BA
Economics
MS
Community International Development
5

Vice President and Senior Credit Officer

Senior Credit Officer for a $500 million portfolio within the Bank's highly profitable Entertainment Division

  • Managed deal structure, performed financial analysis, credit reviews, portfolio and regulatory compliance
  • Effectively collaborated in business development efforts and client retention
  • Mentored junior team members and provided general credit related support to the department
Candidate Info
12
years in
workforce
4
years
at this job
BS
Economics
Bank Management
6

Senior Vice President and Chief Credit Officer

Responsible for the implementation and monitoring of all policies relating to the extension of credit for this
$2.6 Billion community bank. Prudently exercised $2 million in lending authority and signed off on all loan
requests to be approved by the Internal Loan Committee and the Board of Directors. Reported directly to the
President and the Board of Directors on credit matters and in the administration of the Bank's $1.7 billion loan
portfolio.

  • Served on the Internal Loan Committee, the Asset and Liability Committee, the Risk Management
  • Wrote and implemented new Allowances for Loan Loss Reserve methodology and Commercial Lending
  • Worked with commercial lenders to structure loan transactions in accordance with policy.
  • Responsible for hiring, training, and supervision of a team of 10 officers and 2 support staff.
  • Maintained exceptional portfolio metrics for credit quality while growing the commercial loan portfolio from $500 million to $1.2 billion.
Candidate Info
36
years in
workforce
7
years
at this job
BBA
Bachelor of Business Administration
MBA
Master of Business Administration
7

Financial Analyst / Loan and Credit Officer Analyst

  • Conducted complex analysis for compliance with federal regulations and bank policies to ascertain allow-ability
  • Calculated financial default on 200 customers by using financial modeling to assess financial risk
  • Acted as an administrator by sending out financial figures after synthesizing figures from W-2 forms and paycheck stubs
  • Reviewed financial statements, paycheck stubs, and analyzed third party credit reports in order to asses risk and credit worthiness and helped achieved more than $250,000 every quarter in credit approvals
  • Guided more than 300 clients in the achievement of their personal and business goals using applicable financial products that helped me achieved number five producer in the region for checking and savings, credit and personal loans, CDs, IRAs, mortgage servicer, insurance, mutual funds and stocks.
Candidate Info
5
years in
workforce
BBA
Financial Analysis
8

Credit Officer

Promoted to this newly created credit risk position to manage the credit worthiness of major, long-term, highly complex agreements secured through [company name] Global Services (IGS), the company's largest business unit, with $56 billion in annual revenue. Established the credit policy for the IGS and held credit approval authority for transactions of up to $250 million for stronger customers. Managed one Credit Analyst.

  • Conducted numerous presentations for top executives to heighten awareness of potential client credit risks, compounded by the 2008/2009 credit crisis.
  • Developed and implemented a number of new innovations, which included a simplified credit approval process for creditworthy clients, a tool that enabled salespeople to access credit-rating information, and a new scoring methodology for non-financed transactions that increased automatic approvals by 5%.
  • One of very few non-sales professionals to receive Best of [company name] Award for outstanding performance and contributions.
Candidate Info
19
years in
workforce
3
years
at this job
9

Vice President/senior Credit Officer

Decision loan requests for businesses and professional corporations with annual revenues of $1M to $100M. Provide customized credit solutions for emerging and high net worth individuals. Oversee analysis of loan requests prepared by credit underwriters. Work with relationship managers and clients on appropriate structuring of loan requests. Meet with clients to discuss financing terms. Work with outside counsel on the preparation of loan documentation. Determine the appropriate risk ratings of loans using a two dimensional risk rating system. Ensure that credit policy is being adhered to and that exceptions to policy are properly mitigated.

  • Assist in Sales Team's achievement of revenue growth by actively participating in client calling efforts, suggesting alternative financing methods to fit client needs, and providing timely turnaround on credit requests.
  • Achieve minimal loan losses on approved loans by ensuring that loans are properly underwritten and comply with Bank policies.
  • Track record of properly identifying problem credits and ensuring all relationships are properly risk rated.
  • Consistently rank in upper quartile in credit quality statistics of loans underwritten & approved.
  • Maintain portfolios within desired risk tolerance limits even through difficult economic periods.
  • Developed a new underwriting template for use by Private Banking underwriters.
  • Successfully developed a Private Banking underwriter who was ultimately awarded lending authority.
Candidate Info
28
years in
workforce
17
years
at this job
BS
Accounting
MBA
Finance
10

Commercial Lender/credit Officer

Compiled, underwrote, presented, and closed loan packages by interviewing
borrowers and performing complete analysis of the borrowers' financials, credit, and collateral evaluations.

  • Explained to customers the different types of loans and credit options that are
  • Reviewed and updated credit files in order to track compliance with various loan
  • Handled customer inquiries and requests and took appropriate steps to satisfy
  • Made site visits when appropriate.
  • Assisted Chief Loan Officer and Chief Credit Officer in their duties.
Candidate Info
18
years in
workforce
4
years
at this job
BS
Management And International Business

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