Chief Credit Officer Resume Sample

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Jedidiah Wunsch
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Work Experience


Chief Credit Officer
11/2016 - PRESENT
San Francisco, CA
  • Responsible for measuring and managing the aggregate risk in the Bank's loan portfolio and ensuring the bank’s overall portfolio and transactions are in alignment with the risk appetite
  • Develops and maintains clearly defined loan grades supported by a clear, objective and measurable loan risk rating classification system. Evaluates the accuracy of risk ratings established by the loan officers. Interprets risk rating definitions and provides guidance, recommendations, and training to lending and credit personnel on risk ratings
  • Responsible for developing, optimizing, and managing an effective and efficient workflow for the approval process for new money request and annual reviews. Actively filters and prioritizes loan requests and seeks to effectively manage risk while optimizing turn times to improve customer experience
  • Oversees the internal loan review process that ensures conditions of approval have been met. This process includes a routine review structure so that all lines of credit in excess of $150,000 and stand -alone term relationships greater than $750,000 are receiving an annual review
  • Keep executive management informed of any material considerations affecting the loan portfolio, loan policy, and individual credits
  • Identify potential problem credits and watch-list candidates and make specific loan loss reserve recommendations, if appropriate
  • Pay special attention to loans that, because of size, complexity, or special significance, require special handling
Regional Chief Credit Officer
12/2010 - 08/2016
Boston, MA
  • Provide advice and guidance to the company’s lending officers
  • Assist in the training of loan officers
  • Coordinate the dissemination of loan policies and procedures, and ensure compliance
  • Overall responsibility for accuracy of documentation to ensure adequacy and completeness
  • Advise credit and loan personnel on the company’s overall lending policy, noting significant trends and recommending policy changes as necessary
  • Maintain a working knowledge of all credit related legal and regulatory compliance requirements
  • Motivates and leads a high performing credit administration team; attracts, recruits and retains high performers; provides mentoring and coaching for the team and others within the organization
  • Creates and maintains a positive high-quality work environment including motivating team members to perform at their highest level
  • Partners with loan officers to underwrite and analyze new money opportunities and review existing relationships. Participates in customer site visits for prospects and significant existing relationships as needed. Effectively communicates and aligns with loan operations to ensure loan documents are promptly and accurately prepared and fees invoiced and collected
Risk Corporate Risk Chief Data Officer Wholesale Credit & Operational Risk Lead-VP-ny
04/2007 - 10/2010
San Francisco, CA
  • Collaborates with the Accounting Department to monitor and make recommendations for the Allowance for Loan and Lease Losses to maintain reserve levels commensurate with the portfolio growth and risk assessment regulatory requirements and in line with the Credit Policy. Analyzes the adequacy of allowance for loan and lease losses including ASC 310 analysis at least quarterly
  • Primary postion to interface with regulators and represent the Bank’s credit culture and philosophy
  • Participates in risk assessment practices (i.e., determine Bank’s credit risk appetite) to identify areas of concerns or potential exposure to loss. Collaborates regularly with the Risk Management Officer to communicate trend problems, classified, non-accrual, and restructured delinquent and non-performing assets to the Credit Committee
  • Serves as a key player in making the Bank’s ERM program operate effectively. Manages business unit risk and identifies key risk areas for the Bank by evaluating magnitude and probability of the potential impact to Bank strategy, goals and business decisions. Also, identifies business opportunities to achieve the Bank’s vision and aspiration of serving its customers and communities
  • Prepares, implements, and adheres to the credit department’s annual budget
  • Responsible for accurate and timely delivery of reporting credit quality and other credit administration reports (e.g., Criticized Assets, Concentration) to the Board on a monthly and quarterly basis including policy and documentation exceptions monthly to the Board of Directors (“Board”)
  • Provides responses to regulatory and internal/external audit requests and findings
  • Travels as needed in order to perform other essential functions

Education


University of California, San Diego
2001 - 2006
Bachelor's Degree

Professional Skills


  • Track record of driving results with strong thought leadership and problem solving skills
  • Excellent general and financial management and decision making skills
  • Significant Credit experience in Middle Market Lending including Transportation Equipment, Construction Equipment Lending, and Inventory Finance
  • Experience presenting to Board of Directors of a Public Company
  • Proven ability to build and maintain effective working relationships with all levels of management, staff and board of directors
  • In commercial lending experience
  • Providing recommendations to market and regional GMs to augment products and capabilities leading to enhancement in credit metrics and profitability

How to write Chief Credit Officer Resume

Chief Credit Officer role is responsible for credit, software, research, reporting, analysis, training, finance, retail, general, negotiation.
To write great resume for chief credit officer job, your resume must include:

  • Your contact information
  • Work experience
  • Education
  • Skill listing

Contact Information For Chief Credit Officer Resume

The section contact information is important in your chief credit officer resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:

  • First and last name
  • Email
  • Telephone number

Work Experience in Your Chief Credit Officer Resume

The section work experience is an essential part of your chief credit officer resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous chief credit officer responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular chief credit officer position you're applying to. The work experience section should be the detailed summary of your latest 3 or 4 positions.

Representative Chief Credit Officer resume experience can include:

  • Experience with a bank including experience in two of the following areas/roles: underwriting new commercial loans, credit administration, commercial lending officer (responsible for relationship and sales), and/or commercial portfolio management
  • People leadership experience including at least 3 years of experience in leading other leaders. Experience with coaching and developing direct reports with proven results
  • Strong decision-making skills with experience taking all critical information into account when making decisions and translating them into effective practical application
  • Excellent written, oral, interpersonal, and presentation communication skills resulting in the ability to effectively interact, lead change, and achieve buy-in among disparate audiences internally (e.g. executives, lenders, bank operations, portfolio manager) and externally (e.g. customers, regulators, auditors)
  • Providing strong thought and relationship leadership while working with multiple business partner
  • Experience with loan origination workflow software solutions (e.g., CreditQuest, nCino)

Education on a Chief Credit Officer Resume

Make sure to make education a priority on your chief credit officer resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your chief credit officer experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.

Additional details to include:

  • School you graduated from
  • Major/ minor
  • Year of graduation
  • Location of school

These are the four additional pieces of information you should mention when listing your education on your resume.

Professional Skills in Chief Credit Officer Resume

When listing skills on your chief credit officer resume, remember always to be honest about your level of ability. Include the Skills section after experience.

Present the most important skills in your resume, there's a list of typical chief credit officer skills:

  • Proven communication and collaboration skills and the ability to work across boundaries and functions
  • Effective communication and presentation skills with the ability to influence others
  • Process management skills, preferably with Green Belt or Black Belt certification
  • Monitoring the credit metrics and the effectiveness of changes to capabilities, policies and strategies in the region
  • Proven ability to develop and manage processes to motivate staff to achieve desired results
  • BA, in Business or Economics. Fifteen years of increasingly responsible experience in credit management capacities with a financial institution

List of Typical Skills For a Chief Credit Officer Resume

1

Skills For Regional Chief Credit Officer Resume

  • Develop and maintain strong working relationships with the Credit Bureau and Outside Collection Agencies
  • Understanding of credit scoring models
  • Approving credit policies and strategies
  • Executing on central credit strategies and capabilities
  • Providing recommendations to augment capabilities, strategies and policies to improve regional credit metrics
  • Maintaining close linkages with market risk colleagues across international risk and partner with them to leverage best practices
  • Building awareness of local market dynamics and new developments (e.g. in products, economy, competition)
  • Broad knowledge of credit and financing structure, complex financial structuring and troubled credit resolution
  • Communicate to the board and executive management regarding the condition of the portfolios and applicable risk management strategies being employed
2

Skills For Director & Chief Credit Officer Resume

  • Previously led underwriting in both structured and flow environments
  • Keep abreast of economic trends and developments including environmental, legal, governmental and technological concerns
  • Ensure appropriate credit scoring models are optimized and regularly backtested for predictability
  • Oversee Credit Risk reporting and portfolio management initiatives and activities
  • Positively interact directly with customers and prospects
  • Interfacing with the market and regional GMs, central risk teams and other functional owners such as Global Credit, Finance, World Services, GCO and Operational risk in the region
  • Experience in increasingly senior risk management, operational, corporate leadership and administrative roles
  • Affiliations with marquis industry organizations (CRF, NACM, IAFCA, etc)
3

Skills For Risk Corporate Risk Chief Data Officer Wholesale Credit & Operational Risk Lead-VP-ny Resume

  • Broad knowledge of risk management techniques and functions. Ability to relate risk management concepts to executives and board members
  • Self-starter with ability to manage multiple initiatives simultaneously
  • Personal computer, copier, fax, phone, and other typical office equipment
  • Oversee end-to-end credit risk management– including Acquisitions, Underwriting, Authorizations, Customer Management and Collections – ensuring appropriate capabilities, process and policy are in place that are in accordance with local market economic conditions, risks and regulations
  • Manage, master & leverage information from various data sources, cross- tabulating to integrate, synthesize and enrich information
  • Ensure compliance with all regulatory requirements through robust risk policies
4

Skills For Chief Credit Officer Resume

  • Maintain the bank’s credit policy including preparing, reviewing and recommending modification, when necessary, to credit policies , underwriting guidelines, and procedures which foster the bank’s effectiveness and ability to compete within the marketplace while containing exposure to undue credit risk
  • Participate in key management committees including the Executive Risk Committee, the Audit and Risk Committee, the Criticized Loan Committee, the Asset/Liability Committee and the Investment Committee
  • Monitor the level of adherence to credit policy through the collection, evaluation, and reporting of key exception data to Senior Management and the Audit and Risk Committee of the Board
  • Responsible for the supervision of credit risk management department and staff. Provides support and assistance when necessary and oversees activities and assigned tasks
  • Interpret and provide guidance to lending staff relating to policy and procedural requirements and/or provides timely referral to the appropriate area within the bank
  • Assist in the development and approval of all risk parameters, underwriting, documentation, account management, and fraud policies to ensure profitability and strong asset quality within the parameters of Transportation Finance
  • Align closely with HCA’s GM of Transportation leader to introduce new products, align sales market approach, while maintaining appropriate risk levels
5

Skills For Regional Chief Credit Officer Resume

  • Provide direction and leadership to the Credit and Operations Department to ensure financial objectives are met while ensuring risk levels remain within the HCA’s risk tolerance
  • Introduce new process, procedures, policies and team structure to support business growth
  • Manage productivity, workflow, cycle time, procedures, standards and compliance with Credit Policy and Best Practices
  • Utilize a process improvement mindset to eliminate non-value added steps and improve deal flow productivity and conversion rates
  • Develop best practices and internal processes to execute on portfolio acquisitions
6

Skills For Director & Chief Credit Officer Resume

  • Update and enhance relevant credit policies and procedures
  • Produce industry or sector credit research that supports existing portfolios and identifies trends or issues in order to facilitate oversight of Credit Risk Appetite
  • Responsible for the quality of loans including loan delinquencies, maturities, and monitoring of problem loans
  • Hire, train, develop, conduct performance reviews, and maintain staffing levels to ensure department and company objectives are met
  • Review, approve, decline or recommend to appropriate higher authority, credit applications for new originations, renewals or modification of existing loans
7

Skills For Risk Corporate Risk Chief Data Officer Wholesale Credit & Operational Risk Lead-VP-ny Resume

  • Leadership, organization, staffing, development, direction, and day-to-day management for the Credit Management Group to ensure effective allocation and deployment of resources to support the achievement of strategic objectives and the business plan
  • Selects, develops, and motivates a highly qualified management team. Grants authorities appropriate for each position, sets standards of performance, evaluates performance of managers, and approves personnel transactions within delegated authorities
  • Responsible for chairing the CLC, including providing procedures and documentation of actions, recommendations for further delegation and approval authority, concentration limits, and recommendations for administrative actions or official committee positions
  • Responsible for the development of the annual portfolio strategy, providing guidance on portfolio management, and producing the quarterly Credit Management Report
  • Provides and maintains a sound and consistent set of underwriting policies, standards and guidelines, and general credit philosophy to be utilized in all lending and leasing functions across the bank
  • Fifteen (15) or more years of progressive relevant experience
8

Skills For Chief Credit Officer Resume

  • Fifteen (15) or more years of progressive management experience
  • Maintains and recommends changes as needed to lending and related policies and directions, including presentation to the Board for approval
  • Assists and supports the bank’s lending functions in their credit analysis and transaction structuring responsibilities
  • Provides overall management of the bank’s special asset functions, including approvals of specific actions, plans, and strategies for resolution of problem situations, and execution as appropriate
  • Provides accurate and timely monitoring and assessments to bank management and the Board Risk Committee on the quality of the bank’s loan portfolio, high-risk loans and industry issues and opportunities
  • Experience managing team
9

Skills For Regional Chief Credit Officer Resume

  • Works with other units of the bank to assure that the Farm Credit System Cooperation Philosophy is successfully executed
  • Interact and collaborate with partners across multiple lines of business including sales, marketing, finance, compliance, operations and colleagues in Risk Centers of Excellence to develop, implement and revise the GCS strategy for risk management processes including new product development and acquisitions/underwriting through to customer management strategies
  • Review and approve/decline large or complex loans as a member of the Senior Lending Group and Chairman of the Credit Committee. Reviews include making recommendations on loan structure, terms, presentation, the adequacy of due diligence performed, and the appropriateness of risk rating, with attention direction specifically toward reducing the bank’s exposure to undue credit risk
  • Report to the Board of Directors on the current credit quality of the bank’s overall loan portfolio and the risk/desirability of the largest and most complex credit risks and exposures as well as loan quality trends, growth trends, and concentration risks pertaining to product type, geographical distribution, business type, loan to value, etc
  • Perform quarterly analysis of the Allowance for Loan and Lease Loss Reserve (ALLL) to determine adequacy in relation to the inherent and perceived credit risk within the overall loan portfolio. Calculations include analyzing local, regional, and national economic conditions, loan losses and portfolio trends and loan product concentrations
  • Has joint governance over policy, underwriting guidelines and procedures as formulated and administered by non-commercial lending areas, including: the consumer lending and residential mortgage lending divisions; specialized lending areas including the community lending, health care, aircraft lending and leasing departments and corporate investment policies

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