Credit Manager CV Sample

Objective

A highly motivated and results-driven Credit Manager with over 10 years of experience in the financial industry. Skilled in assessing creditworthiness, managing risk, and implementing effective credit control measures. Seeking a challenging position in a reputable organization where I can utilize my expertise to drive business growth and optimize credit operations.

Education

Bachelor of Science in Finance - University of Lagos, Nigeria (2008)

Master of Business Administration (MBA) - Lagos Business School, Nigeria (2012)

Professional Experience

Credit Manager - XYZ Bank, Lagos, Nigeria (2015-present)

• Develop and implement credit policies and procedures to ensure compliance with regulatory requirements and minimize credit risk.
• Analyze financial statements, credit reports, and other relevant data to assess creditworthiness and determine appropriate credit limits.
• Manage a portfolio of corporate clients, monitoring their credit performance and proactively identifying potential risks.
• Collaborate with sales and relationship management teams to evaluate credit proposals and negotiate terms and conditions.
• Oversee the credit approval process, ensuring timely and accurate decision-making.
• Implement effective credit control measures, including collections strategies and risk mitigation techniques.
• Provide guidance and support to credit analysts and junior team members.
• Prepare comprehensive credit reports and present findings to senior management and credit committees.

Credit Analyst - ABC Bank, Lagos, Nigeria (2010-2015)

• Conducted detailed credit assessments of individual and corporate loan applications.
• Performed financial statement analysis, cash flow projections, and risk assessments.
• Evaluated collateral and security documentation to determine loan eligibility.
• Prepared credit proposals and presented recommendations to senior management.
• Monitored loan portfolios and conducted periodic reviews to assess credit quality.
• Assisted in the development and implementation of credit risk management strategies.

Skills

• Credit analysis and risk assessment
• Financial statement analysis
• Credit policy development
• Credit control and collections
• Loan underwriting and approval
• Regulatory compliance
• Team leadership and mentoring
• Excellent communication and presentation skills

Certifications

• Certified Credit Professional (CCP)
• Chartered Financial Analyst (CFA) Level 1

References

Available upon request