Credit Risk Officer Resume

Samantha Gray

North Highlands CA 95660

(916) 987-6543

[email protected]

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Job Objective

Seeking position as a Credit Risk Officer with reputable organization in which my skills and knowledge can help further the development of the organization.

Highlights of Qualifications:

  • Solid experience in credit evaluation, cash flow and project risk analysis in a banking environment
  • Proficient with statistical and programming tools, such as SAS
  • Strong knowledge of SMEs/MNCs corporate accounts
  • Strong analytical and problem solving skills
  • Ability to analyze data and financial statements to obtain appropriate result
  • Ability to visualize business prospects and risk factors
  • Ability to work in a flexible setting independently

Professional Experience:

Credit Risk Officer

Bank Of America, Bowling Green, KY

August 2005 – Present

  • Analyzed credit proposals to evaluate projects feasibility, risks and returns.
  • Ensured compliance credit policies.
  • Monitored existing accounts and resolved related issues.
  • Supervised and monitored recovery action by credit department.
  • Reviewed credit risk measures and documents.
  • Conducted credit analysis and monitored portfolio of locally approved credits.
  • Developed strategies to acquire potential and trusted customers.

Credit Risk Officer

Flagstar Bancorp, Inc., Bowling Green, KY

May 2000 – July 2005

  • Analyzed risk factors through statistical methods.
  • Prepared accurate internal and regulatory MIS reports periodically to identify sound risk control measures.
  • Ensured all transactions are in satisfactory credit audit compliance.
  • Carried out loans loss forecast, stress test and portfolio performance tracking to support retail lending.
  • Ensured that lending unit was as per credit policies and standards.
  • Handled loan review methods.


Bachelor’s Degree in Finance

Southwestern Adventist University, Keene, TX