Credit Manager CV

Samantha Gray

North Highlands CA 95660

(916) 987-6543

[email protected]

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Nationality: – British

Personal statement

My primary goal as a Credit Manager is to 1) increase the company’s profits; 2) reduce bad accounts; and 3) fortify the credit policies. I can fulfill this by constantly conceptualizing programs and loan structures that will draw customers to apply for loans and credits. To cut down bad accounts, I will formulate polices and control measures that will address problems on customers’ delayed payments and total abandonment of accounts; to strengthen credit policies, I will religiously monitor the credit processes, ensuring that all credit guidelines are adhered to. I will also conduct regular trainings to staff and collections officer to make them more effective in treating credit accounts.


  • Experience in maintaining credit control and interpreting all customer business models
  • Sound knowledge of various tools to perform credit analysis
  • Profound knowledge of derivatives and related trade finance products
  • Exceptional ability to administer and operate all credit control systems to prepare reports for team members. Do not keep 3-4 consecutive words from given sentences.
  • Remarkable ability to interpret complex underpinning Credit Risk models
  • Excellent understanding of the impact of debt recovery on commercial processes


Credit Manager
Ambition Europe Limited – Worcestershire

Aug 2012 to Current

  • Analyzed all exposures for the portfolio and ensured that there were no unexpected losses and damage.
  • Developed strategies to acquire new business and helped to retain the customers by renewing the profitable businesses.
  • Evaluated the credit for all new and existing business accounts for organization.
  • Prepared and updated spreadsheet for all adjustments made to credit reports.
  • Managed all VAT related queries for sales activities.
  • Developed and optimized cash collection processes and developed strategies to minimize debt.

Credit Manager
Ovo Energy Limited – Denbighshire

Oct 2011 to Aug 2012

  • Assisted senior credit officers in managing credit portfolio of clients.
  • Prepared monthly reports to be presented to management and highlighted all risks involved.
  • Performed financial analysis for all distinct portfolios of counterparts and administered sensitivity analysis.
  • Ensured compliance to all credit policies and underwriting parameters prior to lending money.
  • Coordinated with team members and developed strategies to improve the collection process.
  • Administered credit control team and assisted to analyze risk and resolved all queries for reconciling the account.

Educational background

BA (Hons) in Accounting and Financial Management

Lancaster University – Bailrigg

Sep 2008 to Jul 2011

A-levels: Economics, History, Mathematics, English Language

Myerscough College – Bilsborrow

Oct 2006 to Jul 2008

GCSEs: Maths, Physics, English Language, Chemistry

City of London School – London

Sep 2001 to Jul 2006