Credit Officer Resume Samples - Page 4

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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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31

Senior Vice President/commercial Credit Officer

Manage the day to day operations of the Credit Department and the Credit Support Department.

  • Structure loan requests from 5 seasoned commercial lending officers covering the Tri-State area for business lines of credit, term loans and commercial real estate mortgages in accordance with Bank policy (lending standards, pricing requirements, etc.) and signed off on all initial term sheets issued.
  • Manage 5 underwriters, closely monitoring flow and underwriting progress of each deal. Coordinate with lending officers on deal timing and borrower expectations.
  • Review all approval memorandums prepared by underwriters, signing approval up to $5 million.
  • Work closely with outside legal counsel on loan documentation negotiations and signed off on all commitment letters and loan documents.
  • Responsible for the review and approval of annual loan reviews on existing portfolio, proactively identifying loans with potential risk to the Bank.
  • Member of Credit Risk Management Committee and Criticized Asset Committee.
  • Manage the Credit Support Department with a staff of 3, to ensure that all required financial reporting is received on a timely basis, updating databases, spreading financial statements and verifying that covenants are in compliance with documentation.
Candidate Info
23
years in
workforce
3
years
at this job
BA
Anthropology
MBA
Finance
32

Vice President - Senior Field Credit Officer

Oversee credit underwriting and loan structuring, portfolio monitoring, and risk rating assessment for commercial borrowers. Manage the loan origination process from initial opportunity review to boarding through collaborating with loan coordinators, credit analysts, relationship managers, and legal counsel. Verify and monitor risk ratings utilizing real-time methodology.

  • Proactively manage and support the loan renewal process by determining credit analyst account assignments, preparation of loan approval documents, and renewal recommendations
  • Train and develop credit analysts in order to develop timely delivery of credit products and provide monitoring of the financial condition of borrowers
  • Collaborate with Relationship Managers to screen loans and determine acceptable structures while reviewing borrower profiles
  • Collaborate with attorneys to review documents, covenant definitions, approval compliance and establish loan monitoring and control procedures
Candidate Info
14
years in
workforce
9
months
at this job
BBA
Finance, Investments And Banking
33

Credit Officer

Finding new customers and convince them to take loan from our bank

  • Ensuring individual customers are providing their monthly installment as per agreement of the bank to their loan.
  • Organizing groups and providing group loans to customers
  • Make follow up to group customers to ensure they provide collect information.
  • Making sure all group customers are attending the center and provide their weekly or monthly collection.
Candidate Info
7
years in
workforce
2
years
at this job
HS
High School Diploma
HS
High School Diploma
C
Education
34

Credit Officer

Examine an account in terms of debt to define the best course of action taking in to consideration the monetary outlay for both the client and the company

  • Action accounts in the appropriate manner and follow up on actions after the appropriate time period has elapsed.
  • Collect accounts in full or any variations of payment able to be obtained by negotiation to ensure all actions taken and recommendations made.
  • Respond promptly to any queries or disputes a debtor may have and listen to customer's objection and work with customer's to overcome them.
  • Awareness and application of client guidelines and procedures for processing hardship request and use all applicable resources to obtain a complete profile of a customer. Maintain and update all relevant information to ensure the accuracy and objectivity of all information.
Candidate Info
12
years in
workforce
8
months
at this job
BBA
Finance And Management
35

Senior Vice President, Chief Credit Officer

Received regulatory approval to be a senior executive officer of the bank.

  • Responsible for providing support, direction, credit information, and developing loan policies and procedures to ensure the overall quality of the bank's loan portfolio.
  • Manage and oversee the bank's credit administration functions including loan review, underwriting, and loan support departments.
  • Provide quarterly analysis of the bank's allowance for loan and lease losses for board approval.
  • Prepare written analysis on large loans and identify problem loans and appropriately grade the portfolio to identify risks associated with the portfolio.
  • Prepare periodic reports for the bank's Board of Directors.
  • Provide analysis and management of the bank's portfolio to effectively manage inherent risks in the portfolio related to concentrations, past due loans, and credit quality.
  • Provide direction and oversight to the bank's loan officers and lending personnel.
Candidate Info
12
years in
workforce
3
years
at this job
BS
Finance
MBA
Business Administration
36

Business Banking Underwriter - Credit Officer

Underwrite and approve Business Banking loan requests up to $250,000.

  • Gather and analyze all financial and business information to determine credit risk for loans, including
  • Provide advice to Business Bankers, Branch Managers, and Business Banking Specialists based on review and analysis of application data.
  • Obtain information regarding personal guarantee of business credit requests and communicate credit
Candidate Info
5
years in
workforce
4
years
at this job
BS
Business Administration
MBA
Business Administration
37

Assistant Vice President & Credit Officer

  • Portfolio management and ongoing risk assessment of four bank portfolios with a combined
  • Underwrite commercial line of credits ranging from $100M - $1MM and determine appropriate risk rating, creditworthiness and bank profitability.
  • Underwrite owner-user real estate loans and evaluate the strength of the business by determining its debt service capacity, frequently utilizing global cash flow method.
  • Underwrite investor real estate loans and analyze tax returns, rent roll and operating statement and evaluate the strength of the primary and secondary source of repayment.
  • Underwrite personal lines of credit and determine if the borrower's debt to income ratio is conforming to bank guidelines.
  • Evaluate and determine proper risk rating for credits which have been rehabilitated from Special Assets Department and are returning to line unit.
  • Perform credit risk assessment, cash flow analysis and financial statement review and define if credit is in compliance with bank policies for quarterly substandard loans.
  • Review analyst spreads and provide guidance and feedback of analysis.
Candidate Info
5
years in
workforce
3
years
at this job
BA
Political Economy
38

Credit Officer

  • Responsible for performing loss mitigation and recovery activities regarding delinquent accounts in accordance with Bank and legal guidelines
  • Perform collection activities for multiple products, utilizing various systems and methods
  • Perform a variety of routine daily tasks; review reports, prepare correspondence
  • Interface with sales representatives, repossession agents, management and customers
Candidate Info
13
years in
workforce
6
years
at this job
HS
Detention And Security
39

Vice President, Credit Officer

Preparing credit memos for approval for Executive Loan Committee,
including credit analysis, commentary, and summary

  • Communicate via meetings, phone and email with Presidents, Executive Officers, Loan Officers, and other staff
  • Creating and organizing numerous loan/credit analysis reports
  • Extensive work in Microsoft Office and Excel
  • Reporting to the President regarding multiple monthly reports
Candidate Info
21
years in
workforce
1
year
at this job
BS
Public Administration
Certified Fraud Examiner
Management School
40

Credit Officer

Evaluating loan applications and documentation by confirming credit worthiness

  • Carry out detailed assessment on loan applicants
  • Prepare appraisal reports for consideration by the Credit Committee
  • Maintains customer confidence by keeping loan information confidential
  • Ensure that recoveries are done on a timely basis
  • Prepare quarterly and annual reports on performance of the portfolio
  • Foster and maintain business relationships with clients, and other stakeholders
  • Follow up on loan defaulters
  • Perform any other duties as may be assigned from time to time
Candidate Info
13
years in
workforce
1
year
at this job
Information Technology

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