Credit Officer Resume

Samantha Gray

North Highlands CA 95660

(916) 987-6543

[email protected]

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Job Objective

Pursuing a Credit Officer position in which my skills, special training and experience will positively impact the organization in meeting end goals.

Highlights of Qualifications:

  • Advanced knowledge of banking business fundamentals
  • Profound understanding of deposit and credit products
  • Proficient with credit modeling, analysis and facility documentation
  • Strong mentoring, client dealing and communication skills
  • Ability to think out of the box to create result oriented business solutions
  • Ability to manage a team in a banking credit environment successfully

Professional Experience:

Credit Officer

PNC Bank, Indianapolis, IN

August 2005 – Present

  • Managed and monitored daily operation of Credit Administration division.
  • Analyzed client’s assets and securities as guarantee for sanctioning loans in line with existing policies and regulations.
  • Assessed liquidity risks associated with assets being offered as collateral.
  • Recommended credit limit as per assessments and liquidity studies of collateral.
  • Supervised preparing loan documents and coordinating the closing of loans.
  • Assessed credit worthiness of the customer.
  • Maintained and reviewed loan policy of the bank

Credit Officer

CitiGroup, Indianapolis, IN

May 2000 – July 2005

  • Provided leadership and expertise to Small Business Bankers to develop product portfolio.
  • Initiated and implemented strategies to drive intelligent growth of the portfolio
  • Supported Small Business Bankers to develop credit applications in line with company policies and regulations.
  • Assisted companies with detailed financial analysis and interpretation of the available financial information.
  • Developed compelling credit requests through proper client interaction.
  • Carried out financial statement analysis of applicant, guarantors, and co-borrowers to study repayment capacity


Bachelor’s Degree in Accounting

Santa Barbara City College, Santa Barbara, CA