Credit officer resume examples from 2026

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Updated March 26, 2025

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Credit officer resume

Bruce Ellis

(380) 555-8915 | bellis@example.com

Minneapolis, MN | 23357 S. Oak Ave. - 70244

Work experience

2020 - Present
Credit Officer, Wells Fargo - Minneapolis, MN
- Designed and executed targeted sales goals.
- Assisted credit managers to implement and maintain day-to-day operations and sales goals.
2019 - 2020
Commercial Credit Analyst, Citi - San Antonio, TX
- Monitor credit facilities as required including covenants, borrowing bases and collateral coverage.
- Manage, train and mentor junior members of Credit Risk team.
- Develop, recommend and implement business strategies to manage credit risk, increase revenues and reduce expose to credit losses.
- Worked in the Risk Management department with a team focused on reducing loss.
2009 - 2019
Staff Accountant, St. David's Health Care System - Austin, TX
- Prepared monthly reconciliations for all Balance sheet accounts, including documentation to support all balances.
- Completed reconciliations and schedules for all balance sheet accounts.
- Reconciled AR subsystem to PeopleSoft General Ledger and to Legacy ending balances at conversion.
- Prepare financial reports, journal entries, and variance analysis while tracking and analyzing fixed asset activity.
2006 - 2008
Staff Auditor, The Cooper Companies - Houston, TX
- Performed compilations, reviews, and audits of client financial statements.
- Passed the CPA exam in 1985.
- Passed the CPA examination on first attempt.
- Planned and managed audit engagements and performed audit procedures.
- Performed system documentation, procedural testing and audit of balance sheet and income statement.

Skills

Financial Records
Gaap
Sarbanes-Oxley
Annual Reports
Substantive Tests
Financial Statements
Credit Facilities
Assurance
SQL
Special Projects

Education

Master's Degree, Finance (2008 - 2009)
University of Texas at Austin
Austin,
Bachelor's Degree, Accounting (2003 - 2006)
University of Houston
Houston,

Credit officer resume

Marilyn Johnson

(550) 555-7200 | mjohnson@example.com

Charlotte, NC | 46608 W. Park Ave. - 81062

Work experience

2018 - Present
Credit Officer, Wells Fargo - Charlotte, NC
- Provided solutions for financial needs of current and potential customers.
- Trained new hires on sales strategies, all operating systems, and procedures.
- Determined loan rate and terms based on credit analysis.
- Served as primary point of contact for existing and potential customers.
- Inputted information of credit/litigation searches, demographics, rent rolls, and financial statements.
2017 - 2018
Senior Underwriter, Wells Fargo - Charlotte, NC
- Satisfied conditions and stipulations to adhere to Wells Fargo Home Mortgage underwriting guidelines.
- Prepare formal reports for review.
- Reviewed, analyzed, and underwriting loans within company and investor guidelines.
- Review Credit Reports and other supporting documents.
2007 - 2017
Senior Credit Analyst, Rent-A-Center - Detroit, MI
- Collaborate with Store Manager and subordinates to locate delinquent accounts.
- Manage portfolio of 80 customer relationships including largest national accounts comprising total credit limits of $1.2B combined.
- Cultivated company policies and practices while being actively engaged.
- Performed different tasks that included posting customer payments, researching chargebacks and making final decision for write offs.
- Maintained a sound understanding of industry trends, emerging issues and consumer risk management practices through participation in supervision related activities.
2003 - 2007
Commercial Credit Analyst, Motorola Solutions - Chicago, IL
- Analyzed credit risk and worthiness of potential and existing clients Administered and computed the compensation packages for multiple Motorola Sales Divisions.
- Analyzed financial statements, investment grades including industry and country trends.
- Evaluated credit risks provided decisions and recommendations on credit.
- Analyzed financial statements and advised client on strategic financial goals.

Skills

SBA
Loan Portfolio
Oversight
Portfolio
Loan Applications
Loss Ratio
Investor Guidelines
Executive Management
Credit Analysis
Credit Department

Education

Bachelor's Degree, Finance (2000 - 2003)
University of Illinois at Chicago
Chicago,

Credit officer resume

Jesse Olson

(460) 555-7001 | jolson@example.com

Chicago, IL | 47093 E. Maple Ln. - 70971

Work experience

2017 - Present
Credit Officer, Wells Fargo - Chicago, IL
- Analyzed loan requests, financial statements, collateral and tax returns to determine ability to pay.
- Identified workout options based on financial packages, credit reports, appraisals, hardship information and investor/client guidelines.
- Completed commercial credit program with intensive training in accounting, finance and credit analysis.
- Provided oversight for $2.8 billion direct loan portfolio.
2012 - 2017
Credit Analyst, Bank of America - Chicago, IL
- Developed and maintained multiple division-level reporting suites using SAS, SQL, Tableau, and VBA-driven Excel.
- Review, develop, and analyze financial stability of corporations by comparing multiple year financial statements.
- Performed analysis and decision making for new accounts, client services, and available products.
- Conduct financial statement analysis and build cash flow models to evaluate balance sheet and income statement changes that impact repayment capacity.
- Reviewed credit line increases, as well as took risk action on clients that may not have been credit worthy.
2009 - 2012
Collections Specialist, Citi - New York, NY
- Researched, analyzed customer accounts and offered customer company programs that would assist in bringing their account current.
- Arrange debt repayment and establish payment schedules based on financial position.
- Skip trace delinquent customers to new addresses by utilizing different systems such as Fastdata and the three credit bureaus.
1999 - 2009
Collections Associate, Citi - New York, NY
- Updated Citi accounts with new demographics to prevent possible confusion during future communication.
- Take daily credit card payments on delinquent accounts.
- Account Management: Manage new account opening process for relocating expatriate employees from Fortune 1000 companies.

Skills

Customer Relations
Portfolio
Customer Accounts
Healthcare
Credit Limits
Risk Management
Student Loans
Credit Analysis
Financial Statements
Data Analysis

Education

Bachelor's Degree, Finance (1991 - 1994)
Ohio State University
Columbus,

Credit officer resume

Amber Wright

(780) 555-2258 | awright@example.com

Saint Louis, MO | 54703 E. Oak Ave. - 72155

Work experience

2020 - Present
Credit Officer, Wells Fargo - Saint Louis, MO
- Run credit checks and background checks for loan applications.
- Relied on credit risk ratios and the credit policies to recommend decisions with the underwriting team.
- Identified workout options based on financial packages, credit reports, appraisals, hardship information and investor/client guidelines.
2016 - 2020
Commercial Credit Analyst, Discover Financial Services - Riverwoods, IL
- Identified and handled fraudulent applications for new accounts.
- Analyzed financial data on new and existing clients, striving to maintain the overall soundness of the loan portfolio.
- Assess credit risk and establish credit limits.
- Created monthly SAS reports to track fraud trends, model performance, and rule performance.
- Managed loan portfolio for five branches; average loan size approximately $850K 4.
2013 - 2016
Accountant, Marriott International - Bethesda, MD
- Administer all financial recording systems (Quickbooks), enhancing and integrating new applications and requirements as desired by site managers.
- Administered Sarbanes-Oxley Act policy and procedures, which resulted in no findings by audit.
2009 - 2013
Staff Auditor, Ernst & Young - New York, NY
- Planned, executed and supervised various audit engagements of client financial statements and internal controls.
- Maintained exceptional working relationships with all client personnel.
- Planned and performed financial statement audit engagements.

Skills

Special Projects
Business Relationships
Trend Analysis
Multiple Companies
Underwriting Guidelines
Credit Analysis
Powerpoint
Risk Management
Portfolio
Loan Applications

Education

Bachelor's Degree, Finance (2006 - 2009)
Pennsylvania State University
Main,

Credit officer resume

Dylan Russell

(450) 555-4135 | drussell@example.com

Fort Lauderdale, FL | 48361 E. Evergreen Rd. - 20839

Work experience

2016 - Present
Credit Officer, American Express - Fort Lauderdale, FL
- Processed and made credit decisions regarding secured and unsecured credit line increases within approved limits.
- Automated the credit analysis process by recommending use of sophisticated software packages.
- Received incoming calls from cardholders requesting credit limit increases.
- Respond to customers with letters of delinquency or cancellation and provide all other advise on the status of customer accounts.
- Reviewed the service-based business model and incorporated strategies to improve the credit & collection process flow.
2015 - 2016
Credit Analyst, Bank of America - New York, NY
- Evaluate account status inquiries at point of contact by analyzing information and recommending solutions to the member.
- Negotiated terms of home equity loans and consumer protection services.
- Assist credit analysts with fraud and new accounts.
- Worked on special projects for federal or internal audits and system clean up.
2014 - 2015
Credit Assistant, Tech Data - Miami, FL
- Ensured performance goals of bad debt over 90 and DSO were met.
- Performed financial analysis of new and existing customers to determine credit risk and potential for fraudulent behavior.
- Improved communication and understanding between sales and credit departments.
- Prepare analyze and conduct credit investigations of routine and complex credits, approve credits within the prescribed credit limits.
- Performed extensive internet research to resolve consumer credit report problems which enabled customers to close more loans and increase profits.

Skills

Financial Statements
UCC
Loan Portfolio
Loan Applications
Credit Memos
Customer Accounts
Regulatory Agencies
Special Projects
Trans
Financial Models

Education

Bachelor's Degree, Finance (2011 - 2014)
Florida International University
Miami,

How to write a credit officer resume

Craft a resume summary statement

A well-written resume summary is basically an elevator pitch. You are summing up your skills and experience in a few sentences to wow recruiters, hiring managers, and decision makers into giving you an interview. Here are some tips to putting your best foot first with your resume summary:

Step 1: Mention your current job title or the role you're pursuing.

Step 2: Include your years of experience in credit officer-related roles. Consider adding relevant company and industry experience as relevant to the job listing.

Step 3: Highlight your greatest accomplishments. Here is your chance to make sure your biggest wins aren't buried in your resume.

Step 4: Again, keep it short. Your goal is to summarize your experience and highlight your accomplishments, not write a paragraph.

These four steps should give you a strong elevator pitch and land you some credit officer interviews.

Please upload your resume so Zippia’s job hunt AI can draft a summary statement for you.

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List the right project manager skills

Your Skills section is a place to list all relevant skills and abilities. Here is how to make the most of your skills section and make sure you have the right keywords:

Start with the job listing. Frequently, the keywords looked for by recruiters will be listed. Be careful to include all skills in the job listing you have experience with.
Consider all the software and tools you use on a daily basis. When in doubt, list them!
Make sure you use accurate and up to date terms for all the skills listed.

These five steps should give you a strong elevator pitch and land you some credit officer interviews.

Here are example skills to include in your “Area of Expertise” on a credit officer resume:

Risk Management
Credit Risk
Credit Analysis
Real Estate
Credit Approval
Portfolio Management
Customer Service
Loan Documentation
Credit Policy
Credit Quality

Due Diligence
Loan Portfolio
Cash Flow Analysis
Credit Underwriting
Credit Worthiness
Commercial Banking
Risk Ratings
Cash Flow
Asset Quality
Financial Statement Analysis

Tax Returns
Strong Analytical
Credit Analysts
Treasury
Credit Decisions
Bank Secrecy Act
Credit Reviews
Credit Administration
Corporate Risk
Risk Assessments

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How to structure your work experience

Your work experience should be structured:

With your most recent roles first, followed by earlier roles in reverse chronological order.
Job title, along with company name and location on the left.
Put the corresponding dates of employment on the left side.
Keep only relevant jobs on your work experience.

How to write credit officer experience bullet points

Effective job bullet points do more than just describe your job duties. Instead, they should be specific and measurable accomplishments. Here are some strategies to mastering job bullet points:

Use strong action verbs like Led, Built, or Optimized.
Follow up with numbers when possible to support your results. How much did performance improve? How much revenue did you drive?
Wrap it up by explaining the actions you took to achieve the result and how you made an impact.

Here are examples from great credit officer resumes:

Work history example #1

Investment Analyst

Northern Trust

Utilized index portfolio optimizer and cash flow forecasting to reduce tracking error and perform fund management operations.
Anticipated market effects on current portfolio holdings and alerted portfolio managers as necessary.
Maintained proprietary database and refined the performance reporting and communication process with over 265 managers.
Prepared and conducted Outsourced CIO and Pension Risk Management presentations.
Created prospective client presentations using investment reporting software; Microsoft PowerPoint and Adobe .

Work history example #2

Specialist

Macy's

Maintained stores' professional look by insuring organization and folding procedures were followed and maintained daily.
Reduced the amount of pending issues by informing and training Systems teams on a monthly basis of current troubleshooting techniques.
Enacted clear communication in cross-functional areas to guarantee successful production of live images on website on time.
Managed general inventory analysis and assessed product demand; increased availability of top merchandise for the purpose of exceeding sales goals.
Tracked and updated data with focus on confidentiality and accuracy into company database.

Work history example #3

Commercial Credit Analyst

Wells Fargo

Reviewed portfolio risk segments to ensure proper asset / risk equation balances relative to business and profitability objectives.
Provided final closing approval for every credit facility extended to portfolio borrowers.
Utilized SQL and Microsoft Excel to compile data and reports for upper management.
Analyzed territory trends and successfully developed business plans for assigned territory.
Received multiple Wells Fargo quality gold stars for 20+ FHLMC files submitted with 100% quality ratings.

Work history example #4

Commercial Credit Analyst

Bank of America

Gathered and audited loan documents to help customers avoid foreclosure proceedings.
Conducted default loan auditing ensuring foreclosure process followed state guidelines.
Handled large default/foreclosure portfolios of over 100 closings a month.
Assisted customers with originated, conventional, second, FHA and ARM loans.
Audited FHA and VA home loans post-closing.

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Add an education section to your resume

The education section should display your highest degree first.

Place your education section appropriately on your resume. If you graduated over 5 years ago, this section should be at the bottom of your resume. If you just graduated and lack relevant work experience, the education section should go to the top.

If you have a bachelor's or master's degree, do not list your high school education. If your graduation year is more than 15-20 years ago, it's better not to include dates in this section.

Here are some examples of good education entries from credit officer resumes:

Master's Degree in finance

University of Texas at Austin, Austin, TX

2008 - 2009

Bachelor's Degree in finance

University of Illinois at Chicago, Chicago, IL

2000 - 2003

Highlight your credit officer certifications on your resume

If you have any additional certifications, add them to the certification section.

Include the full name of the certification, along with the name of the issuing organization and date of obtainment.

Updated March 26, 2025

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