Credit Officer Resume Samples - Page 2

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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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11

Senior Vice President/ Chief Credit Officer/ Corporate Secretary of Morebank

Head of the [company name] with the direct
responsible for the growth of loans outstanding while maintaining
asset quality.

  • Actively involved in every aspect of the lending program.
  • Held 30 day loan delinquencies to just under 2% of total loans outstanding.
  • Established all new lending policies, procedures and operating guidelines to insure asset quality.
Candidate Info
45
years in
workforce
1
year
at this job
BBA
Bachelor of Business Administration
Accounting
Real Estate Appraisal
12

Wholesale Underwriting Manager & National Credit Officer

  • Responsible for credit decisions made by 15+ underwriter's on over $165M in originations per month
  • As National Credit Officer provided SME assistance to IndyMac wholesale underwriting staff (100+) regarding loan guidelines, and suggested potential alternative products for loan restructuring
  • Performed analysis on 60in6 and 90in12 populations to detect loan fraud schemes, compiled findings and distributed potential red flags to wholesale underwriting staff
  • Experienced in multiple automated underwriting systems, including DO and DU
  • Performed relief assignments in poor performing regions to introduce best underwriting practices
  • Focus on staff development and streamlining the work flow process led to both a 3 day improvement in turn times, and improved efficiency from <80% of goal to nearly 110% of goal as a staff
  • Created prime and subprime UW teams resulting in fewer QA audit findings and increased efficiency as underwriter's focused solely on the guidelines pertaining to their team
  • Identified talent within our office and created an underwriter training program that allowed us to backfill open UW positions internally, resulting in less ramp-up time and leveraging existing systems knowledge
Candidate Info
13
years in
workforce
5
years
at this job
BA
Education
13

Credit Officer

Responsible for assisting with the management of the Commercial loan portfolio exceeding $30M.

  • Develops and analyzes various types of credit information pertaining to diverse types of loans; prepares credit reports, maintains control over standings of current accounts, furnish information relative to credit inquiries.
  • Develops credit information for use by lending officers or committees in the making of lending decisions on new, renewal and extension loans.
  • Reviews and analyses all pertinent credit and financial information including reporting services, credit bureaus, other companies, main office files, and branches
  • Determines the need for more thorough investigation or additional information.
  • Analyzes information statements and related material.
  • Prepares summary, presents facts and offers opinions concerning credit-worthiness.
Candidate Info
22
years in
workforce
5
years
at this job
AA
Associate of Arts
BA
Business Management
14

Credit Officer

Responsible for the management and supervision of 5 employees in the credit administration and operations area.

  • Prepare all Monthly, quarterly management/board of director reports.
  • Monitor and analyze banks security/investment portfolio preventing losses.
  • Maintain loan portfolio clean, direct handling of problems arising with loan officers and upper management.
  • Assure the proper controls and maintenance of all loan files, documentation and collateral valuation are adhered to.
  • Provide general credit support and information including Draft Watch Loan Reports for customers considered to be at greater risk for default, prepare periodic reviews and risk rating change forms, assist in the completion of various internal tracking reports.
  • Work closely with RM's to maintain at a very minimum percent past due accounts and collecting payments from clients if necessary.
Candidate Info
34
years in
workforce
11
years
at this job
15

Credit Officer

Coordinate loan processing procedures with loan officers and bank clients to insure smooth transition to closing of transactions.

  • Support sales and underwriting on difficult and /or exception transactions.
  • Maintain monthly performance measurements for first mortgage suspense, compliance/regulatory and customer satisfaction
  • Pre-underwrite and review customer documents and clear condition commensurate with authority level.
  • Guarantee on time closing by completing all required pre-closing steps; making cash to close call and handing file off to closer within required performance standards.
  • Exceed customer expectations by providing highest level of customer service.
Candidate Info
11
years in
workforce
1
year
at this job
BS
Business Administration
MA
Health Information Management
MA
Project Management
16

Senior Credit Officer

Performed all required credit underwriting and analysis functions related to transactions directly originated for its middle market portfolio.

  • Performed customer due diligence visits on regular basis.
  • Assisted Legal and Sales departments in transaction structuring and documentation to ensure compliance with underwriting.
  • Assist in the managing and training of junior credit analysts.
  • Worked closely with Portfolio department on underperforming accounts, problem relationships, and work-out loans.
Candidate Info
4
years in
workforce
3
years
at this job
BA
Economics
MA
Finance
17

Credit Officer Duties

Approved loans within specified limits, and refer loan applications outside those limits to management for approval

  • Met with applicants to obtain information for loan applications and to answer questions about the process.
  • Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Explained to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Obtained and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  • Reviewed and update credit and loan files.
Candidate Info
2
years in
workforce
7
months
at this job
C
Seminary Senior Sec Sch
BBA
Bachelor of Business Administration
Leadership Service Awards
18

Senior Vice President / Senior Credit Officer

Responsible for Credit Administration of commercial loan portfolio of $2 Billion. Included direct supervision of Credit Analysis Department, Documentation and Special Assets area.

  • Chairman of Credit Quality and Watchlist committees.
  • Consolidated 10 banks into one unified organization including centralizing underwriting, analysis and documentation.
  • Had active responsibility for one of the banks as Acting CEO.
  • Direct responsibility for growth of loan portfolio from $1.8 Billion to $3.7 Billion.
Candidate Info
25
years in
workforce
3
years
at this job
BS
Business Administration
Insurance
19

Credit Officer

  • Managed a portfolio of approximately 2,000 public and private companies, including Fortune 500 companies, with annual factored volume in excess of 64.0 million.
  • Assess credit worthiness for large portfolio of Retail Apparel, Wholesale and General Products commercial accounts seeking credit lines up to one million dollars through ratio analysis, trend analysis, cash flow analysis and covenant verification.
  • Underwrote unsecured credit lines and prepared annual or semi-annual committee reports for management by analyzing 10-K and 10-Q SEC filings or private company accountant reviewed financial statements and if necessary, discussed business operations with principal owners.
  • Assisted collections department by communicating with customers possessing delinquent invoices, determined the severity of their past due situation, and took necessary precautions to prevent future credit losses.
  • Ensure that accounts are kept current by maintaining and developing relationships
Candidate Info
7
years in
workforce
7
years
at this job
BS
Business Administration
Undergraduate Studies
20

Credit Officer

Analyze and review credit proposals for line approval and support Private Client Lending team with underwriting.

  • Perform security analysis, collateral research, collateral liquidation scenario analysis and other collateral research needed for various complex transactions.
  • Promote banking business to Private Bankers (i.e., written, oral and in person, when appropriate), with an emphasis on training and educating on the use of credit products and platforms used in our lending vehicles.
  • Assist International Private Bankers with daily workflow, inquiries, and identification and resolution of potential problems.
  • Provide credit and financial analysis to support transactions.
  • Lead system conversion, responsible for cross-training and developing staff.
Candidate Info
16
years in
workforce
4
years
at this job
AS
Business
BA
Finance

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