Credit Officer Resume

SUMMARY:

Banking professional with over 10 years of experience origination, relationship management, debt restructuring. Significant experience in credit analysis (with accreditation), business development, and operational experience in the banking sector, both retail and commercial. Tenacity and dedication that few can match, and eager for new challenges.

PROFESSIONAL EXPERIENCE:

Confidential

Credit Officer

Responsibilities:

Originated, analyzed and structured suitable corporate lending facilities for the largest Confidential
Managed portfolio of 70 borrowing parties with an exposure of approx Confidential 300mil
C - level relationship management with borrowing parties, valuators and legal council to structure deal flow

Credit Officer

Confidential

Responsibilities:

Responsible for supporting managing a portfolio of commercial real estate loans with ~ 130 borrowing parties with an exposure of Confidential 180mil; specialising in debt restructuring and workouts, managing distressed commercial property loans and analysing the overall risk of restructure
Selected ahead of peers to brief Senior Management on complicated distressed loan cases.

Confidential

Customer Account Manager

Responsibilities:

Exceeded sales targets across the full range of Nationwide products; finished 2nd Quarter on 260% - 3rd in the region
Achieved the status of “role model” within 3 months for a strong performance across the scorecard
Created the idea of “service cards” for the branch to get closer to customers to understand how we could improve service received; now used region-wide as standard to assess service levels and drive business performance

Confidential

Personal Banker

Responsibilities:

Conducted research, analysis and set individual business plan to grow a brand new customer base in Westfield and the local Stratford area
Strong sales performance of 239% of sales target and customer service individual score of 90%, the highest in the branch
Led the branch sales team to deliver mortgage business plan through organisation of external customer meetings, outbound calling sessions and product knowledge assessments; Personally achieved 350% mortgage target
Selected ahead of peers for promotion from Customer Assistant to Personal Banker within the first year

Confidential

Relationship Manager

Responsibilities:

Portfolio manager of 80 Small and Medium Enterprises with annual turnover ranging from €100,000 to €500,000
Delivered regular reports to the Area Director with suggestions for product range improvements in order to meet customer needs and grow new business sustainably
Close management of customers in financial difficulty by providing necessary support and taking appropriate action to minimise bank credit risk to existing lending exposures

Confidential

Senior Credit Analyst

Responsibilities:

Successfully managed a portfolio of over 500 commercial customers each with an annual turnover of €500,000; responsible for portfolio performance across 28 Confidential branches with specific business deliverables of maximising profitability, reducing impairments and minimising bad debts charges
Facilitated credit sanctioning committees with key stakeholders including relationship managers, commercial risk teams and business representatives to ensure prudent lending decisions were made in line with Group policy and financial regulations
Successfully completed Confidential Bank Management Trainee programme consisting of several rotations across the business including credit risk, customer relationship management, treasury and trading, credit sanctioning and product development; fully accredited analyst

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