Message

Diligent Bank Credit Manager who remains current in credit and loan regulations and procedures within the financial industry. Adept at assessing client needs in a timely manner. Focused on meeting customer needs by drawing on a sound knowledge of private and commercial loan management.

Key Skills

Decision Making
High Numeracy
Good Organisation
Leadership Skills
Organizational Skills
Spoken Skills

Internship

Jun 2017
Present
Bank Credit Manager
New Parkland Bank Canada, US
  •  Managed all loan and credit requests and made approval decisions.
  •  Maintained a database of all borrowers in accordance with bank standards.
  •  Established and maintained portfolios of all current lenders.
  •  Ensured that all credit and loan standards were applied.
  •  Periodically reviewed lender portfolios to identify possible risks. 
Jun 2012
Aug 2016
Bank Credit Manager
Investment Solutions Ltd. Canada, US
  •  Determined loan approvals and prepared the required documentation upon approval.
  •  Processed credit approval documents.
  • Prepared and disbursed loan commitment letters.
  •  Maintained contact with all individuals with open loans or lines of credit. 

Education

Sep 2009
Mar 2010
Associate’s Degree – Finance in
University of California
Aug 2006
Jun 2008
Mater's Degree in Finance in
Pepperdine University

Certifications

2015
Certified Credit officer
AIBF
2016
Credit Risk Certification (CRC)
RMA

Achievements

2018
Complete charge and responsibility for corporate.
  •  Developed "hold" procedures so delinquent customers could not be serviced without management approval resulting in collecting $100,000 of delinquent payments.
  • Revised write-off procedures so that accounts receivable recoveries are more properly coded to general ledger accounts.
  • Negotiated corporate guaranty program for financing OLTP (Venezuelan Joint Venture) $17 million contracts with the government of Venezuela saving $100,000 in expenses.
2019
Maintained portfolio's ranging from $3MM to $300MM
  •  Provided training to all collection representatives and consulted struggling teams to help them boost and meet their monthly target goals.
  • Created work schedules and strategies for all teams company-wide.
  • Negotiated settlements and payment terms with all customers.
  • Decreased charge offs and exceeded monthly goals eighty percent of the time.

Quote

Remember that the happiest people are not those getting more, but those giving more.

H. Jackson Brown, Jr

Hobbies & Interests

  • Astrology
  • Blogging
  • Reading
  • Running
  • Table Tennis
  • Collecting Souvenir

Languages

Polish
(Native)
Ilocano
(Fluent)
Haryanvi
(Basic)

Career Aspiration

Over the next three years, I would love to fulfil the objective of bringing on board more profits and building close client relationships, I would like to use management skills as well as administrative skills for the development of Organization and self.

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