Credit Card Portfolio Manager Resume
Summary : As a Credit Card Portfolio Manager, gathered financial and general business information pertaining to customer and prospect loan requests. Performed financial analyses needed to make credit decisions, contributes and provides input to group loan decision process based on evaluation of credit risk and supported the commercial banking team, and recommends credit solutions that add value to the Customer.
Skills : Develop strategies, Mitigate risk.
Description :
- Led and supported implementation system testing and ad-hoc projects and Construct and manage IG Credit Index and ETF portfolios with daily flows, guidelines constraints, and corporate actions.
- Supported the lead portfolio manager in all aspects of daily operations across the index, real money, and hedge fund businesses.
- Developed systematic investment insights in conjunction with the research and portfolio management teams covering the residential mortgage (agency / non-agency), commercial mortgage, and asset-backed security investment universe.
- Actively participated in weekly research and portfolio management business updates.
- Performed detailed analysis regarding collateral performance trends and interpret findings.
- Performed ad hoc security-specific analysis and made investment recommendations.
- Managed specific credit activities to ensure performance quality, consistency of underwriting, and timeliness meets or exceeds Customer expectations.
Experience
7-10 Years
Level
Consultant
Education
Bachelor's In Finance
Credit Portfolio Manager Resume
Headline : As a Credit Portfolio Manager, Served in a variety of reporting roles, including as authoring annual and quarterly reports, investment announcements, monthly operating reports, and other internal and investor communications.
Skills : Analytical, Problem-solving.
Description :
- Ensured each loan and total portfolio is accurately risk rating in order to assess overall credit risk.
- Identified problem loan situations and deterioration of credit quality within the portfolio and communicated findings to management in a timely manner.
- Prepared and presented special projects, reports, and assignments as requested.
- Provided high-quality customer service and assisted business banking officers in cultivating new relationships
- Ensured complete and accurate compliance with legislation and regulations and Identified cross-sell opportunities and recommend products.
- Operated as a subject matter expert on the consumer credit portfolio and Developed and maintained credit risk policy for the credit card portfolio strategies.
- Proactively monitored performance metrics and advise management of trends and recommended applicable actions/corrective solutions.
Experience
5-7 Years
Level
Executive
Education
Bachelor's In Finance
Credit Portfolio Manager Resume
Summary : As a Credit Portfolio Manager, Managed specific credit activities to ensure performance quality, consistency of underwriting, and timeliness met or exceeds Customer expectations, may manage overall analytical support and workflow production needs for a department.
Skills : Credit risk management and lending principles, Proficiency in financial analysis and modeling.
Description :
- Partnered with relationship managers to prioritize credit requests and meet with clients as appropriate
- Contributed to investment views with the potential to develop into a Portfolio Manager role over time
- Rebalanced portfolios in line with agreed-upon risk-return profiles.
- Monitored primary markets for new bonds being issued and Contributed to the development and upgrading of investment models.
- Communicated with existing customers through relationship managers for ongoing credit review and maintenance of a current portfolio.
- Monitored existing portfolio for past dues, expired loans, and other exceptions and Attend and participate in loan approval discussions.
- Reviewed and delivered credit decisions on a specified aggregate exposure of new loan requests and renewals.
Experience
7-10 Years
Level
Management
Education
Bachelor's In Finance
Credit Portfolio Manager Resume
Headline : As a Credit Portfolio Manager, Worked on larger, more complex deals, mainly focused on Middle Market. May be managed and/or led as well as create, develop, and introduce commercial and credit-related initiatives. Acted as a consultant to business lines regarding credit issues, processes, and procedures.
Skills : Attention to detail, Communication.
Description :
- Served in a credit advisory function to bring loan structuring expertise and knowledge to bear in new and existing lending relationships.
- Led the review of internal and attorney-prepared loan documents to ensure accuracy as compared to the credit approval package.
- Provided guidance and oversees complex financial modeling performed by Underwriter and Sr.
- Developed appropriate loan structures, supports Client Coverage and Capital Markets, and, as a subject matter expert, completes profitability models.
- Coordinated renewal of loans through the credit department and relationship manager including updating collateral or other loan documentation as needed.
- Conducted annual analysis of Counterparty and Treasury investment credit risks.
- Investigated and responded to customer queries or issues and Structured and underwrite both new credit requests and renewals of moderately complex middle market credits using assigned lending authority based on approved credit granting authority.
Experience
5-7 Years
Level
Consultant
Education
Bachelor's In Finance
Credit Portfolio Manager Resume
Headline : As a Credit Portfolio Manager, Functioned as a resource for business lines and works with senior management on various issues; managed expectations, and negotiated timelines. Partnered with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners.
Skills : Negotiation, Chartered Financial Analyst (CFA).
Description :
- Prepared rating distribution reports for the loan portfolio of the bank and provided further insights into rating migrations for specific portfolios.
- Coordinated preparation and execution of appropriate legal documentation supporting credit approvals.
- Facilitated periodic updates of client credit quality to Credit Policy (Union League and Watch List credit reviews).
- Worked closely with Risk leaders and client teams providing data and analytics in support of minimizing Synchrony Financial’s risk while continuing to grow the private label portfolio.
- Researched and analyzed pertinent financial statements and Performed periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms.
- Met directly with clients to discuss financial conditions as required Provided guidance and oversaw complex financial modeling performed by the Underwriter and Sr.
- May managed and/or led create, development,meant, and introduce commercial and credit-related initiatives
Experience
5-7 Years
Level
Executive
Education
Bachelor's In Finance
Credit Portfolio Manager Resume
Headline : As a Credit Portfolio Manager, Performed periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms; Took appropriate action as necessary to correct deficiencies and Coordinated with Account and Relationship Managers to perform routine financial analyses and credit investigations.
Skills : Financial Risk Manager (FRM), Planning.
Description :
- Provided daily monitoring, follow-up, and periodic risk reporting related to high-risk credit and custody clients and Completed new client risk assessments as required.
- Supported the Relationship Manager in monitoring on n on-going basis information concerning customer performance, abilities, and industry to determine that loan is an acceptable risk.
- Reviewed internal and attorney-prepared loan documents to ensure accuracy as compared to the credit approval package.
- Completed timely ongoing periodic credit servicing of loans within the portfolio including analyzing historical financial performance, and performance.
- Updated application and behavioral scorecards based on actual experience and provide recommendations on the scorecards to improve accuracy and power of the scorecard.
- Performed issuer analysis of the shares held as collateral, with the objective of classifying them into performance buckets based on market and fundamental factors.
- Prepared written credit approval requests and present them verbally to credit approval committees.
Experience
5-7 Years
Level
Executive
Education
Bachelor's In Finance
Credit Portfolio Manager Resume
Objective : As a Credit Portfolio Manager, may communicate credit decisions to Relationship Managers and Account Managers. Managed and oversaw workflow and adherence to the policy for the department. Participated in organizational cost-benefit analysis and implementation.
Skills : Communicational Skills, Portfolio Manager.
Description :
- Monitored and reported on key performance indicators for assigned products, taking action as necessary to ensure desired results are achieved.
- Stayed abreast of industry trends and developments, identifying potential threats and opportunities for the business.
- Proactively identified and managed risks associated with assigned products, working with relevant parties to develop and implement mitigation strategies.
- Prepared and presented reports on portfolio performance to senior management on a regular basis.
- Researched and analyzed financial information to evaluate a borrower's creditworthiness.
- Coordinated preparation and execution of legal documentation supporting credit approvals.
- Monitored clients and portfolios for changes in risk ensuring that loan quality/credit risk adhered to guidelines and positions are reported to management as appropriate.
Experience
2-5 Years
Level
Executive
Education
Bachelor's In Finance
Credit Portfolio Manager Resume
Objective : As a Credit Portfolio Manager, Managed activities by creating and maintaining quantifiable service level standards against business performance. Ensured timeliness of information and efficiency in process and workflow.
Skills : Planning, Developmental Skills.
Description :
- Determined interest rates for loans based on market conditions, loan purpose, and other factors.
- Provided information about loan programs and interest rates to prospective borrowers.
- Developed and managed a portfolio of credit products in order to achieve growth, profitability, and risk objectives.
- Conducted analysis of customer behavior and trends in order to identify opportunities for product development and improvement.
- Managed the end-to-end product lifecycle for assigned products, including but not limited to product design and development, pricing, promotion, and ongoing optimization.
- Served as subject matter expert on assigned products, providing input and guidance on product strategy, features, and benefits.
- Developed and maintained strong relationships with internal and external partners, including but not limited to sales, marketing, operations, finance, and compliance.
Experience
2-5 Years
Level
Executive
Education
Bachelor's In Finance
Credit Portfolio Manager Resume
Objective : As a Credit Portfolio Manager, Maintained confidentiality of credit and customer information at all times. May led a team of Credit Analysts within a region or market. Demonstrated communication skills, both verbal and written.
Skills : Planning, Verbal Communication.
Description :
- Evaluated credit risk by researching potential borrowers’ financial statements and other documents such as tax returns or bank statements.
- Reviewed applications to determine whether or not they should be approved or denied.
- Negotiated with borrowers who are having difficulty making payments on their loans, or who wish to modify their loan agreements in some way.
- Managed delinquent loans by working with borrowers to develop plans to repay their debts.
- Recommended changes to loan terms to meet the needs of borrowers without increasing risk to the lender.
- Provided borrowers with information about their loan status and repayment options.
- Reviewed borrower delinquency patterns to identify potential risks to the lender’s investment.
Experience
2-5 Years
Level
Executive
Education
Bachelor's In Finance
Credit Portfolio Manager Resume
Summary : As a Credit Portfolio Manager, Led the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio. Provided in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables.
Skills : Planning, Risk Management.
Description :
- Prepared detailed short or long-term financial projections within a vendor-provided solution such as Moody’s Risk Analyst or within an Excel spreadsheet.
- Made recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
- Managed assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, ensuring timely compliance with all covenants, identifying issues and following through for remediation, and assisting with compliance and regulatory reviews.
- Participated in or led client calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements
- Participated in special projects to aid with the continuous improvement of portfolio management.
- Adhered to all applicable laws and regulations governing bank operations, including compliance with Union Bankshares’ BSA/AML Policy and Procedures.
- Prioritized new deal, renewal, and portfolio management requirements and coordinate as appropriate with clients and prospects, Relationship Managers, Credit Risk, Treasury Management, and other internal and external stakeholders.
Experience
7-10 Years
Level
Management
Education
Bachelor's In Finance
