A Chief Credit Officer is responsible for measuring and managing the risk in the bank’s loan portfolio. A well-drafted Chief Credit Officer Resume mentions the following duties and responsibilities – overseeing the bank’s commercial credit and collection policies, process and procedures and ensure mitigate risk inherence in any loan portfolio; coordinating the management and work-out of problem credits, recommending appropriate strategies to the management and board, taking responsibility for attaining the lending objectives and the overall direction and operations of the credit department.
Job applicants need strong analytical skills and good decision-making skills. Mathematical skills are also needed. The job requires the ability to train staff regarding financial policy, and good public speaking skills, and strong interpersonal skills. Employers necessitate a bachelor’s degree and CFA certification. A Master’s qualification will be useful.
Headline : Highly qualified Chief Credit Officer with experience in the industry. Enjoy creative problem solving and getting exposure on multiple projects, and I would excel in the collaborative environment on which your company prides itself.
Skills : SAS, SQL, Excel.
Description :
Led credit and risk management operations.
Developed and implemented credit risk policies and procedures, managed all loan approvals, and oversaw compliance for mortgage activities, serving on the firm's Compliance Committee.
Developed the strategy for the underwriting rules engine and other online processes.
Developed new products to meet market needs.
Developed generic scoring model with FICO to monitor newly booked portfolio.
Liaised with rating agencies and mortgage insurance serving as primary contact.
Raised profile of credit risk management and provided best practices throughout the company, elevating awareness for investors, CEO, and sales staff.
Experience
5-7 Years
Level
Executive
Education
Master Of Business Administration
Chief Credit Officer Resume
Objective : Responsible for Continually updating knowledge of the industries within the portfolio through independent research including industry publications and if appropriate conferences.
Led turnaround of this troubled banking organization.
Successfully maneuvered through a managed bankruptcy, shrank the company from $1B to $440MM, and then grew the balance sheet and restored the company to profitability.
Built a management and employee team based on the unity of purpose, a strong commitment to clients, and an emphasis on responsiveness and professionalism.
Reversed decline and implemented a growth strategy.
Acquired and integrated an independent mortgage company.
Achieved loan growth of 19% without participation or leveraged transactions.
Closed 5 underperforming branches, revamped remaining locations, and exited two problem markets.
Experience
2-5 Years
Level
Junior
Education
Master Of Liberal Arts
Chief Credit Officer Resume
Objective : An enthusiastic, high spirited, imaginative, focused professional with over twenty years of practical work experience in financial matters: Chief Credit Officer with First National Bank of the Lakes and Landmark Community Bank / Major Corporate Lending, Mid-Market Lending, Small Business Lending Operations Manager for US Bank.
Skills : MS office, Multitasking, Credit Officer.
Description :
Included all credit write-ups for the bank and reviewed all credits coming into the bank, credit policy enforcement, bank loan review, assessment of the banks' credit quality and risk, manage the banks' loan loss reserve adequacy, evaluation of the credit process, credit administration, policy compliance, risk rating effectiveness, problem loan management.
Rewrote all of the bank's problem loan reports and managed the banks' allowance for loan losses.
Reported directly to the President and owner of the bank.
Fixed the bank's call report reporting on loans, automated the ALLL using web equity.
Did bank reports in FISERV and ran quires as needed for reporting and management.
Helped the document loan files and update policy so that it could be removed from OCC enforcement action.
Worked directly with the OCC during all bank audits.
Experience
2-5 Years
Level
Executive
Education
MS
Chief Credit Officer Resume
Objective : A challenging and rewarding Chief Credit Officer position as a financial executive that successfully contributes to the goals and objectives of Cascade Windows.
Skills : Microsoft Office Suite, Dependable, Business Development.
Description :
Reported to the CEO, a contract to perm led Credit Administration team through change in department staffing, credit and analysis, lending policy, and portfolio restructuring.
Increased quality and upgraded policies to meet internal and external reviews.
Managed a $360MM portfolio and increased yield by 150bp.
Led indirect sales team, collections, mortgage origination, loan servicing, and credit analysts.
Presided over the loan committee and member of ALM committee.
Presented monthly reports and policy changes to the Board of Directors.
Updated credit policy to reflect current regulatory requirements for commercial, commercial, and residential real estate, government-guaranteed, and participation loans.
Experience
2-5 Years
Level
Executive
Education
GED
Chief Credit Officer Resume
Objective : Responsible for Building a partnership with the business (es) that is predicated on trust and respect. Actively manage the change required to align the skills and culture within the RM function to CIBCs, and also Interacting with S. and Canadian Bank regulators and CIBC internal regulators as required.
Skills : MS Office, Multitasking, Implementational Skills.
Description :
Administered and enforced credit policies, standards, guidelines, and procedures to ensure the integrity and regulatory compliance of risk management policy.
Transparented, accurated, timely, and relevant reporting to senior management pertaining to the US credit portfolio.
Credited approval delegated empowerment with respect to the USA. The delegated authorities are specifically defined in a letter from the Chief Credit Officer, CIBC Bancorp USA, Inc.
Annual reviewed of all approved credits to include timely revisions to risk ratings of same and stipulation of follow-up action plans with respect to existing or potential watch list (i.e. RR67 or worse) credits.
Annual reviewed of ongoing compliance of Corporate & Commercial Adjudication credit risk policies (e.g. concentration limits with respect to the obligor, industry, product, geography, and underwriting).
Attended and participated in US Deals Committee(s) as required.
Daily monitored of transactions processed by SL&T including verification of limits.
Experience
2-5 Years
Level
Executive
Education
BS
Chief Credit Officer Resume
Summary : Chief Credit Officer with 7 years of experience in Managing the credit policy change request process so proposals are considered and when decisions are made to implement changes, submitted through all the appropriate approval channels, and also Maintaining credit policy change history tracking for audit purposes.
Skills : Microsoft Office, Creative Skills, Multitasking.
Description :
Responsible for leading the Credit and Collections functions to grow a $20 billion portfolio of credit cards, auto loans, and mortgages across the US and its territories.
Revised credit policy to safely grow by $1.2 billion in the first 18 months.
Developed and implemented risk-adjusted pricing policy, causing a 4.98% increase in yield in credit cards and 1% in auto lending while keeping delinquency growth at less than 5 bp and loss in check.
Created the Risk-Based Pricing program.
Ran the Credit Risk Committee, and related governance.
Developed the Credit Risk Tolerance program.
Created Credit Dashboard for executive management to understand the overall health of the credit portfolio and Allowance.
Experience
7-10 Years
Level
Management
Education
BA In Economics
Chief Credit Officer Resume
Objective : Analyzing and screening loan requests for all types of loans. Presents requests to management when the proposed loan is beyond departmental lending authority.
Skills : Communication SKills, Credit Officer, Managing Skills.
Description :
Monthly overviewed of all mark to market positions and aging profile within SL&T trading book.
Continually updated knowledge of the industries within the portfolio through independent research including industry publications and if appropriate conferences.
Assisted with the establishment of the credit risk management policies, standards, guidelines, and procedures and ensure compliance in the US region as it pertains to US credit transactions and the portfolio.
Built a partnership with the business (es) that is predicated on trust and respect.
Actively managed the change required to align the skills and culture within the RM function to CIBCs.
Interacted with S. and Canadian Bank regulators and CIBC internal regulators as required.
Provided assistance as required during the absence of other credit adjudicators.
Experience
2-5 Years
Level
Executive
Education
GED
Chief Credit Officer Resume
Objective : Developing loan policy and underwriting guidelines, subject to final approval, and communicate the policy to all personnel involved in loan origination and portfolio monitoring and management, Developing overall rate structure.
Skills : Multitasking, Credit Officer, Communication Skills.
Description :
Recruited as the Bank of Bermuda's first Chief Credit Officer to ensure the policies and practices for credit, capital markets, and treasury risk complied with SEC (U.S.) requirements and the jurisdictional standards in 5 other countries; as well as to standardize global risk reporting to facilitate the sale of the Bank to HSBC.
Established consistent portfolio risk analytics, policies, and credit-audit programs across the enterprise, coalescing risk management and reporting around the globe, and resulting in improved relationships with rating agencies and regulators in all jurisdictions.
Implemented Risk Asset Assessment Criteria [RAAC's] and Basel rating initiatives to support increasing exposure to the fund-of-hedge funds sector.
Instituted global training programs to ensure compliance with revised policies and procedures for capital markets, treasury, and credit.
Initiated operational risk process-maps for credit support areas, reducing processing errors by 50%, and regaining control of over 2,000 missing documents (100%) - many of which had been out of the Bank's control for over a decade.
Reconstituted workout practices for global and local jurisdictions, including direct management for two of the Bank's largest workouts.
Implemented new models and technologies that increased accuracy, efficiency and consistency of presentations.
Experience
2-5 Years
Level
Executive
Education
BS
Chief Credit Officer Resume
Headline : Experienced Chief Credit Officer professional with a successful career in banking including consumer, mortgage, and commercial lending encompassing business development, portfolio management, credit analysis, loan documentation, risk management, troubled debt restructuring (TDR), and workout strategies within the confines of an ongoing consent order.
Doubled size of the commercial portfolio in 5 years.
Conducted seminars for the public, chamber of commerce, and at local high schools on internet banking, credit scores, and commercial real estate investing.
Remained open-minded and flexible when presented with different perspectives and new information.
Possessed an unquestionable sense of urgency, a clear goal orientation and a willingness to take ownership of the future course and success of the business.
Provided support and direction to lending staff and oversees loan policies and procedures to ensure the overall quality of the banks lending portfolio.
Supervised collection of problem loans.
Recommended and assigned credit approval authorities and maintains ongoing control over the credit risk rating system.
Experience
5-7 Years
Level
Executive
Education
Master Of Science In Education
Chief Credit Officer Resume
Summary : Responsible for Overseeing and initiating interest rate structures that are most beneficial to the financial institution, Exercising oversight of the internal credit risk review process for adequacy of risk ratings, regulatory compliance, loan policy conformance, and recovery of problem loans and the disposition of foreclosed assets.
Skills : Training Skills, Multitasking, Planning Skills.
Description :
Responsible for the ongoing monitoring and valuation of troubled asset portfolio with appropriate changes to the ALLL.
Doubled size of the commercial portfolio in 5 years.
Conducted training sessions for bank personnel on compliance and regulatory issues as well as an emerging technology.
Developed and implemented procedures for monitoring risk and concentrations in the existing portfolio.
Responsible for developing and managing commercial relationships within a 50MM portfolio.
Responsible for structuring and monitoring workout strategies for commercial and residential loans (TDR's) including impairment analysis.
Coordinated the Banks credit underwriting, delinquency follow-up, and loan portfolio reporting to the Board of Directors and all appropriate regulatory agencies.
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