Credit and Risk Manager

Credit/ Risk Manager

( Qualifications Profile

Detail-oriented and dynamic professional, with comprehensive experience in

the financial services industry. Adept at overseeing all aspects of risk

and credit management, underwriting, and customer service. Efficient in

analyzing of third-party credit information and personal credit reports.

Expert at analyzing the company's business operations to determine risk

exposure and develop various programs and policies. Knowledgeable in

driving organizational improvements and implementation of best practices,

with the capability to work in high-pressure environments with strict

deadlines and multiple deliverables. Technically proficient with Microsoft

Office, front-end credit scoring systems, financial statement spreading

software, and back-end lease maintenance systems.

( Areas of Expertise

Risk Management ( Financial Statement Analysis ( Underwriting ( Project

Management ( Portfolio Management

Business Development Solutions ( Strategic Planning and Implementation (

Cash Flow Analysis

Relationship Management ( Documents Management ( Staff Coordination and

Development

( Professional Experience

Xerox Financial Services - Lewisville, TX, USA

Credit and Risk Manager Jan 2010-Mar 2014

Provided effectual oversight to all credit adjudication resources, which

involved personnel, systems, and scorecards. Presided over the entire risk

procedures affecting the overall governance and risks within the platform,

in relation with processing and activation of lease contracts.

Accomplished overall development, implementation, and maintenance of new

front-end, web-based credit scoring system. Took charge of reporting all

metrics for scorecard and risk reporting.

Key Highlights:

. Conceptualized the platform governance and scorecard factors of front-

end leasing application and risk business guidelines, thereby

increasing productivity, skills, and consistency within the local area

process for credit adjudication, contract terms, and conditions.

. Consistently developed the credit policy manual, while ensuring

conformance of credit manual with prescribed risk targets within

established global credit policy. Schedule of Authority of $2M single

and $4M aggregate.

. Functioned as underwriter, responsible for spreading and assessing

financial statements from small privately held companies, 10Ks, and

10Qs for public companies and governmental entities and nonprofits.

Xerox Global Leasing - Uxbridge, United Kingdom

Leasing Senior Middle Ticket Analyst Jun 2008-Mar 2009

Formulated and submitted reports of written recommendations to the senior

management regarding commercial credit lines; evaluated financial

feasibility and overall risk; and regulated credit lines ranging from $200K

to $10M.

Key Highlights:

. Gained selection by the European risk manager to provide support for

the United Kingdom Risk Management Department in implementing proper

credit adjudication procedures for middle to large ticket lease

transactions.

. Held full accountability in handling allocated credit authority of $1M

single transaction and $1.5M aggregate.

Senior Credit Analyst Sep 2006-Sep 2007

Attained designation from European risk manager to design and apply

essential credit materials for training European branches with regard to

research and underwriting of medium and large ticket lease transactions

related to cash flow analysis and proper use of third-party credit

information.

Key Highlights:

. Created and submitted written recommendations to the senior management

concerning commercial credit lines and in examining financial

feasibility and overall risk; consequently establishing credit lines

from $200K to $4M.

. Obtained responsibility in developing web-based scorecard to greatly

improve the overall efficiency and accuracy of the credit workflow

functions as required by the European risk manager.

Pitney Bowes Global Credit Services - Shelton, CT, USA

Credit Manager May 2004-Sep 2006

Accomplished increasing responsibilities in evaluating nonstandard

documentation from legal and operational perspective, which included

nonstandard documentation outlining terms and conditions of government

purchase orders. Presided over the training and supervision for junior

credit analyst. Initiated all aspects related to the implementation of

policies and procedures for all credit-related processes.

Key Highlights:

. Closely collaborated with order processing supervisor in securing

proper turnaround on submitted leases.

. Demonstrated excellent leadership skills in overseeing credit lines,

ranging from $200K to $4M.

Senior Credit Analyst Jun 2002-May 2004

Executed thorough analysis and handled underwriting of all small ticket

transactions totaling to around 700 decisions monthly. Exhibited

efficiency in mentoring direct reports in achieving credit objectives

including approval rates, turnaround time, and overall credit policies and

guidelines established by the management. Carried out the facilitation of

training with regard to web-based scorecard to internal and external

associates. Administered review of overall portfolio performance objectives

on a monthly basis.

Key Highlights:

. Expertly managed credit authority of up to $100K per single

transaction to $150K aggregate by implementing cash flow and financial

analysis as well as using third-party credit information.

. Handled the preparation and reporting to the senior management with

recommendations regarding commercial credit lines, financial

feasibility, and risk management for credit lines, ranging from $200K

to $4M.

. Pioneered the development of policies and procedures in adherence to

the overall objective of Pitney Bowes Global Credit Services.

. Collaborated with the IT Department in supporting the development of

EXPRESS 0S, which was a web-based scorecard designed to enhance the

overall efficiency and accuracy of credit workflow function.

( Prior Work Experience

Ford Motor Credit Company - Richardson, TX, USA

Dealer Service Analyst Credit Packager

Preferred Capital Corporation - Tahoe City, CA, USA

Senior Credit Analyst Credit Analyst

United States Coast Guard (USCG) - Baltimore, md.

E-3

( Education

Bachelor of Science in Business Administration, with Emphasis in Management

and Marketing

Humboldt State University, Arcata, CA

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