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Chief Credit Officer Resume Samples
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Candidate Info
13
years in workforce
10
months at this job
BS
Marketing
Associate Chief Credit Officer
Reported directly to the Chief Credit Officer.
- Managed and supervised five underwriters on a daily basis which includes monitoring the daily and weekly workflow of loan packages.
- Reviewed and revised all loan packages and made recommendations to bankers, underwriters and senior management for eventual approval by loan committees.
- Acted as a liaison between examiners and the bank during bank examinations.
Candidate Info
16
years in workforce
5
years at this job
Business Management
Chief Credit Officer
- Managed and published the credit policy guidelines for the entire company to ensure loans were saleable on the secondary market to various investors including our largest, Freddie Mac.
- Managed a production staff of over 250 underwriters and junior underwriters producing an estimated 3 billion per month in underwriting while maintaining quality of loan product.
- Managed a credit department responsible for tracking volume of underwriting and quality for 18 branches nationwide (Atlanta, Chicago, Boston, Philadelphia, Los Angeles, Seattle, Las Vegas, Phoenix, Houston, Dallas as well as smaller branches)
- Worked on a day to day basis with Freddie Mac upper management to manage default and repurchase rates. Managed additions and subtractions from our personal commitment with Freddie Mac.
- Worked on a monthly basis with mortgage insurance companies to manage quality of product insured while managing defects of insured loans.
- Managed underwriting defects as reported by FHA and VA to further strengthen our loan production.
- Worked with MindBox to create the underwriting system used for [company name]s Alt A loan production and pricing.
- Oversaw the Quality Control for the company as well as broker quality. The Director of Quality Control reported to the Chief Credit Officer.
- Developed internal training procedures in conjunction with an underwriter report card that balanced volume vs. quality and incorporated mandated trainings to maintain knowledge base.
Candidate Info
24
years in workforce
1
year at this job
BA
Bachelor of Arts
MA
Business Administration
Executive Vice President / Chief Credit Officer
- Successfully managed Bank out of Memorandum of Understanding in 14 months.
- Turned a bank losing $8.0 million to making $2.0 million per year in 14 months.
- Grew Loan Book profitably in a depressed market area.
- Established a wholesale loan purchase program growing to $140.0 million and generating $5.5 million in gross interest revenue for the bank in FYE 2016. Established underwriting criteria and on-going management. ROE is in excess of 15% for the wholesale loan portfolio. More important received oversight validation and acceptance by state bank examiners demonstrating safety and soundness.
- Initiated two Strategic Review sessions for Board of Directors bringing outside "thought" leaders into the Bank over the last 5 years.
- Hired and Manage 5 experienced commercial lenders to facilitate organic loan growth.
- Initiated universal banker concept "test" program at the retail level - in the beginning stages of execution.
- Established robust transparent working relationship with 5th Federal Reserve District examiners.
- Instituting on-line web-based banking capabilities with introduction to on-line mortgage applications, partnering with Lending Club and began review of an on-line small business loan application. Bringing all together with a social media campaign to drive customers to the Bank's website.
- Initiated Wealth Management program partnered with Infinex Financial Group to increase non-interest income.
Candidate Info
17
years in workforce
2
years at this job
HS
High School Diploma
BS
Ecology And Environmental Biology
MBA
Economics
Chief Credit Officer
- Member of the Risk Management Committee and Executive Management Team with primary responsibility for Credit Department including department budget, loan volume and credit quality forecast, staff training and development, succession planning, Allowance for Loan Loss, loan growth, credit quality and loan profitability goal setting and tracking.
- Successfully managed a $1.7 billion loan portfolio consisting of 15 branches with ten direct reports and 35 branch lenders resulting in 9% loan growth in 2014 and 11% growth in 2015.
- Established Agribusiness Department to develop staff expertise and specialization in commercial bank referral program, participation purchases, origination of multi-lender middle market transactions with borrower loan exposures exceeding $25 million.
- Excellent portfolio credit quality attained through active portfolio management, leadership and communicating clear and concise expectations to staff.
- Established new lending procedures to increase efficiencies including paperless loan files and employee loan committee decision making for loans above individual approval authorities.
- Lead initiative to implement electronic loan approval process and replace aging credit analysis and loan origination software packages.
- Lead initiative to update and improve Microsoft CRM usage for sales tracking, ongoing loan servicing and customer contact management.
- Developed new career path for analysts and account officers with specific training goals and development objectives to increase specialization and career focus.
Candidate Info
18
years in workforce
3
years at this job
BS
Marketing / Statistics
Vice President Chief Credit Officer
- Lead Risk Management for automotive lending, small business lending, home equity, personal loans, and SBA Lending for [company name], NA.
- Responsible for national pricing, analytic services, new product development, executive reporting, and consultation for all indirect products which account for $22.1 billion dollars in receivables. Portfolio includes auto lending, auto leasing, equity, marine/rv, subprime, home improvement, small business lending, and several smaller product lines.
- Developed first national credit policy standards for [company name], NA (52 individual banks becoming one unified bank).
- Designed and deployed all credit scoring policies including the usage of credit scoring tool (bureau & custom).
- Developed several custom models for Low to Moderate Income loans, risk models, and early collections models for auto finance product offerings.
- Developed residual value valuation tools and new strategy to sell off lease cars to employees through my designed employee lending program. Program was highly successful in minimizing losses from off lease vehicles and actually turned into increased profitability for auto leasing business.
Candidate Info
19
years in workforce
11
months at this job
BS
Business Administration
Chief Credit Officer, SVP, & Special Assets Manager
- Oversee Credit Dept., Loan Processing Dept., Appraisal Dept., and Special Assets Dept.
- Improve asset quality through exit of problem loans while maintaining earnings
- Prepare Problem Loan Status Reports and prepare plans to upgrade or exist problem credits
- Maintain the loan portfolio and properly risk rate the credits
- On-going management of sound credit risk management practices and procedures
- Improve various processes, procedures, and policies.
Candidate Info
22
years in workforce
7
months at this job
C
Counseling And Human Relation Skills
Senior Executive Administrative Assistant to EVP, Chief Credit Officer
- Provided superior administrative support to the office of the Chief Credit Officer.
- Extensive calendar management with frequent last minute changes.
- Coordinated travel arrangements.
- Expense preparation, submission and tracking.
- Prepared senior executive and Board audience-quality PowerPoint presentations.
- Create and modify reports in Word and Excel format.
- Purchased office supplies and maintained inventory.
- Organized and maintained filing system.
- New hire and contractor on-boarding.
- Facilitated meetings and events (planning, logistics, presentations).
Candidate Info
28
years in workforce
10
months at this job
BBA
Accounting
MBA
Accounting
Chief Credit Officer
- Obtain data to perform portfolio concentration analysis and assist in the preparation for the monthly allowance for loan and lease loss (ALLL).
- Development of annual loan portfolio and policy limit stress tests for Commercial Real Estate concentrations.
- In-depth knowledge of financial analysis, loan structuring, and problem credit resolution.
- Oversee the Credit Administration function, which includes credit policy, exception tracking, and quality of loan packages.
- Assist with the preparation of monthly and/or quarterly portfolio report, including trends and concentrations.
- Provide accurate and timely assessments monthly to bank management and the Board Loan Review Committee on the quality of the bank's loan portfolio and high-risk loans.
- Periodically review and update loan policies and procedures.
- Assist and support the bank's lending functions in their credit analysis and structuring responsibilities.
- Accurately create and execute internal loan review policy and procedures.
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