Credit Products Officer Resume Sample
Felton Adams
6366 Friedrich Valley,
Los Angeles,
CA
+1 (555) 475 3455
Work Experience
Senior Credit Products Officer
04/2016
-
PRESENT
Los Angeles, CA
- Facilitate Closing, as needed: Work closely with third-party closer/servicer, attorneys and HUD to facilitate closing
- Serve as a resource/expert on FHA financing to CDB and other Bank associates
- Participate in creating and presenting training sessions for CDB associates
- Provide input/ideas on FHA policies and procedures in the spirit of on-going process and customer service improvement
- Provide input and assist in the development of forms, templates on an as-needed basis
- Participate in meetings with CDB associates, clients and prospective borrowers
- Attend internal and external conferences and meetings
Credit Products Officer
03/2011
-
03/2016
Dallas, TX
- Structure credit to market (asset quality and competitiveness balanced) Underwrite credit (new/renewals/modifications) Complete due diligence
- Manage credit related aspects of a portfolio of large, US corporate relationships within assigned industry sectors
- Responsible for the preparation of new transaction proposals incorporating the analysis of the macroeconomic environment, the business, credit and financial risk profiles of the borrower, as well as risks inherent in the specific structure of a transaction
- Coordinate with Credit Risk Officers, Relationship Managers and Product Specialist to ensure that proposed transactions terms are acceptable to the Bank and to set appropriate global credit limits for both new and existing clients
- Responsible for monitoring and periodic reviews of existing client relationships
- Present completed credit proposals to the relevant approval committees
- Involvement in special projects such as sector/portfolio reviews and stress tests
- Solid Commercial real Estate experience in financial analysis, structuring, underwriting and portfolio management. Prior experience interfacing and negotiating with clients is desired
Credit Products Officer Junior
03/2006
-
12/2010
Phoenix, AZ
- Manage the risk of complex financial products and transactions
- Take personal responsibility for oversight and approval of credit exposures, including frequent presentations to senior management and other stakeholders
- Proactively manage the transaction process including client follow-up
- Interacts with other Bank personnel regarding issues of credit quality, appropriate structure, as well as new business and related trends
- Views credit quality as a personal obligation; exhibits independent judgment; ensures balanced risk presentations; responsible for on-going account monitoring; proactive in problem detection/resolution; contributes to maintaining balance between growth and credit quality
- Commercial real estate banking experience
- Structure credit to market (asset quality and competitiveness balanced) Conduct financial modeling (projections for term debt and transactions) Underwrite credit (new / renewals / modifications) Gain credit approval (with Client Manager or Relationship Manager as sponsor) Complete due diligence.Negotiate credit (with Client Manager or Relationship Manager involved as needed)
Education
University of California, San Diego
2001 - 2006
Bachelor's Degree in Business Administration With Emphasis
Professional Skills
- Solid experience in financial analysis, structuring, underwriting and portfolio management. Strong communication skills
- Prioritize tasks demonstrating both management skills and ability to achieve communicated deadlines
- Excellent computer skills in Windows, understanding of business and personal financial statements
- Analytical / technical skills, including financial accounting, modeling and loan structuring
- General Administrative/Technical Skills Proficient knowledge of commercial lending policies, procedures, practices and documentation
- Prior client relationship experience is recommended
- FHA lending experience or equivalent including affordable housing lending
How to write Credit Products Officer Resume
Credit Products Officer role is responsible for financial, modeling, finance, credit, loan, underwriting, commercial, risk, portfolio, general.
To write great resume for credit products officer job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Products Officer Resume
The section contact information is important in your credit products 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
- Telephone number
Work Experience in Your Credit Products Officer Resume
The section work experience is an essential part of your credit products 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 credit products 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 credit products officer position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Products Officer resume experience can include:
- Reviewing credit agreements and closing documents to ensure proper booking of transactions
- Reviewing closing documents and ensuring proper booking of transactions
- Regularly monitor financial statements, borrowing base, covenant compliance, exceptions
- Ensure portfolio risk rating accuracy and timely risk assessment
- Assist with projects that would help improve credit quality, rating accuracy, process and efficiency
- Conduct financial modeling (projections for term debt and transactions)
Education on a Credit Products Officer Resume
Make sure to make education a priority on your credit products officer resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit products 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 Credit Products Officer Resume
When listing skills on your credit products 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 credit products officer skills:
- Solid experience in financial analysis, structuring, underwriting and portfolio management in credit/banking
- Solid experience in commercial real estate financial analysis, structuring, underwriting and portfolio management in credit/banking
- Solid experience in financial analysis, loan structuring, underwriting and portfolio management with a focus on real estate
- Solid Commercial real Estate experience in financial analysis, structuring, underwriting and portfolio management
- Experience in commercial banking or investment banking
- At least 10 – 15 years of broad based commercial lending/corporate finance experience
List of Typical Experience For a Credit Products Officer Resume
1
Experience For Senior Credit Products Officer Resume
- Participate in the credit approval process
- Ensure ratings are accurate and updated in a timely manner for credits assigned in their portfolio
- Work with Client Managers on capital structure idea pitches to clients and prospects
- Coordinate with the Client Manager to perform relationship reviews to determine appropriateness and competitiveness of credit package
- Monitor industry trends in their assigned portfolio
- Travel as necessary to attend meetings with clients and prospects
List of Typical Skills For a Credit Products Officer Resume
1
Skills For Senior Credit Products Officer Resume
- Strong knowledge and ability to analyze financial statements, tax returns and collateral
- Strong interest in a syndications career path
- Expert understanding of credit risk, ability to balance risk and reward for the bank
- Successful management of an extensive credit portfolio (size, complexity, risk)
- Supports unit's growth and profitability by producing qualitative financial reviews for transactions. Determines optimal transaction structure by analyzing credits, including financial statement spreading analysis and cash flow projections
- Demonstrated technical skills, ability to quickly learn, and a strong desire to challenge the status quo, and embrace new technology, outside providers/channel partners to accelerate growth
- Solid partnering skills with sales, credit, and platform teams; proficient PC skills including Excel, Word and PowerPoint
- Trade/Supply Chain experience
- Open to relocation a plu
2
Skills For Practice Solutions Senior Credit Products Officer Resume
- Proficient knowledge and ability to analyze financial statements, tax returns, and cash flow
- Proficient working knowledge of Microsoft Office (Word, Outlook, Excel). Proficient working knowledge of other software used for analysis such as MFA and Tax Analysis
- Agribusiness Banking Division targets upmarket companies with $10MM or more in lending opportunities
- Manage credit related functions of the bank’s New York portfolio of Latin American Corporate clients
- Responsible for appropriate risk grade assignment and recognizing changes in customer situation (financial, industry, management, business environment, etc.) which would cause a change in risk grade
- Manage interim monitoring and periodic review of existing client relationships
3
Skills For Senior CBG Credit Products Officer Resume
- Present completed credit proposals to credit committee for approval
- Maintain portfolio compliance with regulatory requirements and internal policies and procedures. Coordinate with Internal Audit and/or outside examiners
- Assesses strengths and weaknesses of the borrower and the loan requests
- Thorough understanding of financial accounting and finance principles In-depth knowledge of credit analysis, underwriting, credit products, risk assessment, structuring, and financial modeling
- Solid experience in financial analysis, structuring, underwriting and portfolio management
- Solid experience in financial analysis,
- Directly related experience including financial statements, tax returns, and/or cash flow analysis
- Experience in account relationship management
- Completion of a formal credit training program is required
4
Skills For Senior Lead Commercial Banking Credit Products Officer Resume
- Ideal candidates typically have 8-10+ years of origination, underwriting, and/or portfolio management experience in Middle Market, Corporate & Investment Banking, Capital Markets or Leveraged cash flow lending
- Excellent computer skills in Excel and Word, understanding of corporate and personal financial statements, and good communication and presentation skills required
- Knowledge of large ticked/complex review and approval process requires specialized leasing credit and underwriting experience
- Support project team in developing a supplier portal to further automate/digitize supplier onboarding
- Gain exposure on running a business within the firm through strategic, senior level projects, while gaining senior management visibility
- Monitor financial statements, borrowing base, covenant compliance, exception management overdrafts and ACH approvals
5
Skills For Senior Lead CBG Credit Products Officer Resume
- Knowledge of small ticket/low complexity workflows integrate with lease origination scorecard and automated workflows
- Work with Sr. Product Manager to automate and streamline the Network Trade mailbox activity
- Expand network and exposure through interaction with key support partners (Legal, Technology, Operations, and Risk) to broad business experience – in addition to client interaction
- MAP Certified (LEAN not required)
- Travel required for site inspections, conferences, and meetings (20%)
- Work with Relationship Managers and product Specialists to structure pitches and originate transactions that generate fee opportunities
6
Skills For Senior Credit Products Officer / Creb-cdb Resume
- With Relationship Manager, perform relationship reviews to determine appropriateness and competitiveness of credit package
- Structure credit to market (asset quality and competitiveness balanced)
- Underwrite credit (new / renewals / modifications)
- Gain credit approval (with Client Manager or Relationship Manager as sponsor)
- Negotiate credit (with Client Manager or Relationship Manager involved as needed)
- With Client Manager or Relationship Manager, perform relationship reviews to determine appropriateness and competitiveness of credit package
7
Skills For Credit Products Officer Junior Resume
- Train Credit Products associates, as instructed by Credit Products Officer or Manager
- Together with Relationship Manager, takes primary responsibility for managing credit needs of a portfolio of 15 or more Agribusiness commercial banking relationships providing consultative underwriting advice, credit analysis, and ongoing monitoring of credit products and services to meet customer's needs and minimize credit losses to the Bank
- Works closely with other CBG Departments (e.g. Cash Management, Capital Markets, Equipment Leasing, Syndications, Trade Finance), and other major areas of the Bank to manage the risk of complex financial products and services
- Complete due diligence
- Travel as necessary
- Evaluate credit opportunities and generate comprehensive proposals for new transactions, incorporating analysis of macroeconomic environment, business/credit/financial risk profiles of the borrower, and structural risks inherent in specific transactions, working closely with credit underwriters in Latin America and coordinating with corporate lending and trade finance teams in New York
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