5 Credit Manager Resume Examples & Guide for 2024 (2024)

Job roles involve Underwriting of HL & LAP cases, Personal discussion with the customers, Analyze the Financial statement andkey financial ratios and looking for the disbursem*nt of the Housing & Mortgage loans.

Assessing the credit worthiness of customers by comparing the financial scale of the borrower with the level of business activity & setup observed during the PD.

Detailed banking analysis in conjunction with the current year financialnumbers.

Measuring financial & operational performances of clients using financial tools like ratios, trend analysis, sales forecasting, budgeting etc.

Effective Management and communication with Vendors for Legal,Technical and other vital reports critical to the heath of a given loan funding, thereby, understanding the major legal & technical challenges & critical documents related to properties.

NPA REDUCED BY 30%

ENSURED ENOUGH CERDIT SUPPLY AND LIQUIDITY TO REGIONAL MSMEs DURING COVID.

Handling PL application of DSA cases and Open market cases

Credit Decision Making for Personal Loans and forwarding Proposals to RCM’s and ZCM

Having skill in team handling / managing the load

Working in TAT basis, No error base & productivity base

If Required going for Personal discussion at customer office place

Customer Documentation - Ensure pre approval documentation is accurate.

Pull out CIBIL loans Clarification and OD clearance

Maintaining FCD (First credit decision ) TAT

Assessing the credit worthiness of customers through documentation checks and Personal Discussion.

Experience Summary Overall 11 year’s experience, Credit and Operations in Banking retail assets products Like Pl, BL, LAP, CD loan, Auto Loan, Used car loans Experienced in PL, BL, LAG, and Loan against property (Mortgages) & Car Loans. 1.Analytical Thinking - Breaking complex task in a systematic way, identifying trends and relationship in data, evaluating the same 2.Team effectiveness – Sharing Knowledge/information relevant to others, standing in for a team member 3.Process orientation - Doing things in a structured manner, making specific changes in system/process/work methods to improve performance, managing information in a structured and systematic manner

Credit Underwriter with experience for Used Car Loan (Both retail & business firm).

Accountable for appraising loan proposals by detailed financial & non-financial analysis of proposal & applicant’s credit history through CIBIL.

Managing different vendors & stakeholders and team of off-role employees.

Providing training at different time intervals to peer membersincluding sales officers, and new joinees.

Handling credit portfolio of Rs.200crore for Hyderabad region with 8 branches.

Incharge of complete process throughout Login – CAM – FOIR – Sanction – Disbursem*nt – Dispatch – PDD follow ups within pre-defined TAT in accordance and adherence to policy norms and audit compliance.

With holding approving power of Rs.4 Lac limit cap for KCC loans and 3 Lac limit cap for Farm equipment accordingly.

Performed a minimum of 20-25 PDs per month [>60% of logins]

Used APS software for upto 35Lac cases and ThunderbirdMail for 35lac to 2 crore High value-structured cases to perform credit appraisals, document verification and loan approvals.

Provided training to >30 Field officers and consulted with struggling teams to help meet monthly target goals.

Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.

Optimized credit approval and collection processes, improving operational efficiencies by over 30%.

Worked cross-functionally with sales, Branch management and other departments to maintain effective Sales and operations.

Special observations reconciled on Nonstarter and High value customers by regular coordination with DSMG Team

Evaluation and granting of Home loans, Mortgages and Personal loans.

Establishing credit worthiness of applicants and underwriting of loans.

Reviewing Profiles, Income statements and conducting PD to ascertain feasibility.

Ensuring Audit and Regulatory compliance.

Checking and analysing delinquent accounts and their subsequent recommendations based on the analysis.

Improving and maintaining of turnaround time and conversions.

Providing training to Sales, partners and Channels on the policies and offerings of the organization.

Generating additional revenue through Cross-selling of product and services.

CREDIT PORTFOLIO INCREASED BY 300%

NPA REDUCED BY 30%

TRAVELLED EXTENSIVELY AND ENSURED CREDIT SUPPLY DURING COVID LOCKDOWN TO MAINTAIN OPTIMUM FINANCIAL LIQUIDITY.

TRAINED IN CORPORATE FINANCE AND CREDIT RISK MANAGEMENT.

Gestion portefeuille client local et export de sorte à ce que l'activité commerciale se transforme rapidement en trésorerie ;

Suivi de la facturation rapproché à l'encours client pour s'assurer que la performance commerciale ne se fait pas au détriment de la sécurité financière ;

Recours au source d'information fiable ( Requête Coface, dun & bradstreet, Inforisk ) pour garantir un encadrement de la prise de risque (garantie bancaire, assurance crédit, contrats) ;

Intervenir dans la négociation commerciale, déterminer le montant de l'encours acceptable, définir les meilleurs moyens de paiement, intégrer des clauses spécifiques dans le contrat de vente agissant comme organe de conseil ;

Suivi rigoureux des encaissem*nts en préconisant la prévention en terme de collecte via des prévisions mensuelle pour garantir un flux de trésorerie stable et anticipée ;

Mise en place de reporting quotidien orienté vers l'aide à la decision et destiné au Top management ;

Contrôle du cycle de la collection permettant à la fois la baisse du DSO et des overdues.

Play a proactive role in the management and collection of receivables

Assessment of new credit applications and review of customer credit ratings with banks, agencies investigation and insurance organization

Establishment of credit conditions to set a balance between maximize turnover and minimize the risk

Maintain & reviesthe corporate credit policy

Jouer un rôle proactif dans la gestion et le recouvrement des créances des débiteurs de l'entreprise ;

Évaluation des nouvelles demandes de crédit et examen des classem*nts de crédit des clients auprès des banques, agences d'investigation et organismes d'assurance ;

Mise en place des conditions de crédit visant à maximiser le CA et minimiser le risque ;

Mise en place des conditions de crédit accompagné d'un suivi des encaissem*nt visant déterminer les besoins en financement ou les disponibilités financières de la structure et mettre en place les actions adaptées ;

Veiller à la mise en place des procédure d'audit interne groupe conformément au Guideline ;

Contrôler le suivi des procédures de contentieux jusqu'à la clôture du dossier ;

Développement et monitoring des outils de prévision de l'activité (tableaux de bord, statistiques, indicateurs) ;

Minimiser les provisions et les pertes sur créances, tout en permettant le développement du chiffre d'affaires ;

Sensibiliser l'ensemble des équipes financières, commerciales et opérationnels sur une approche orientée cash, DSO et overdues.

Jouer un rôle proactif dans la gestion et le recouvrement des créances des débiteurs de l'entreprise ;

Reviewing and evaluating CR packages submitted by CIB.

Generating executive summary reports for complex transactions.

Assessing and evaluating financial data and proposed facilities' structures.

Preparing and producing presentations in relation to proposed facilities for Joint Credit Committee (JCC) within the set out deadlines.

Communicating JCC’s decisions to subject hubs, subsidiaries, and branches.

Managed credit risk for our global dairy customers located in Asia, Mexico and U.S. with different instruments such as letters of credit, CAD, credit insurance and regular open terms

Prepared and approved credit lines analyzing each customer's financial statements and business plans

Developed and coached a credit analyst to exceed goals for our agricultural portfolio, Winfield de Mexico

Selected by Sr. Management to support acquisitions and cross-functional projects

Managed credit risk for U.S. and global dairy customers, becoming SME on letters of credit, CAD, credit insurance and regular open terms

Prepared and approved credit lines through the analysis of financial statements and business plans

Mentored a credit analyst that exceeded the goals for our agricultural portfolio

Selected by Sr. Management to support advanced acquisitions and cross-functional projects

I am co-responsible for the Export Credit Management in BEL

I secured BEL export activities in Middle-East (export market) by developping credit guarantees in Iraq and Libye

I maintained the overdues rate under 7% during 21 months on the Midde-East / Africa Zone