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Senior Credit Officer Resume

New York, NY


Confidential, New York, NY

Senior Credit Officer


  • Monitor credit risks and conducted annual reviews for over 20 accounts; identify and reported changes in credit quality to management; conducted real estate market research to monitor collateral value; prepared correspondence letters to clients to address and mitigate credit concerns
  • Analyzed tax returns, financial statements and other financial data on renewal and existing loans
  • Originated commercial mortgage loans by preparing application, evaluating collateral, estimating credit - worthiness and repayment risk; properly structured and priced credit facilities consistent with the bank's credit policies and lending practices
  • Oversaw loan process from origination to closing; reviewed and negotiated loan documentation with attorneys; provided on-going communication to customers
  • Underwrite land loans and renovation loans, assisted to review engineer reports and monitor budgets of renovation loans and construction loans

Confidential, Brooklyn, NY

Office Assistant


  • Interacted with clients and dealt with their questions and concerns; made front-line and phone contact with clients and other law offices; organized files and prepared documents for real estate and small business cases

Confidential, New York, NY



  • Volunteered to teach ESL students from Level 1 - 5; led a study group and provided individual consulting
  • Aided students in improving English skills and making adjustments to living abroad


Associate, Clearing


  • Maintained department accounting records and internal system reports in electronic accounting system
  • Seamlessly cooperated with other departments as a team to provide swift and stable international settlements; responded to major clients inquiries on their transaction status
  • Inspected clearing transactions and relevant accounting records with other banks; corresponded to investigations from other banks in China, as well as other countries; interacted with involving parties via telecommunication and phone
  • Reconciled correspondent accounts with Headquarter, Hong Kong branch and New York branch; identified and investigated on suspected unbalanced items to ensure that international settlement positions are credited and covered
  • Developed and maintained a telecommunication format system to optimize and facilitate investigation procedures
  • Administered investigations on remittances and other payments in over 20 sub - branches; trained and mentored staff in sub-branches to implement investigation procedures regionally

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