6783b524-c6ff-401c-9762-8073ed83528e

Andrew Smith

287 Custer Street, Hopewell, PA 00000
[email protected]
(000) 000-0000

Professional Summary

Adaptable, open-minded, analytical accounting expert with over 5 years of experience eager to join a respectable, customer-focused financial institution as a public accountant/Credit Officer.  Advanced knowledge of auditing, preparation of individual, corporate, and partnership tax returns, and the development of quarterly and year-end estimates.  Detail-oriented with exceptional organization and communication skills with the drive to exceed expectations on every assignment.

Employment history

Credit Officer, Kessler, Terry and Hauck. North Williams, Oklahoma
Dec. 2018 – Present
  • Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.
  • Meet with applicants to obtain information for loan applications and to answer questions about the process.
  • Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
  • Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
  • Confer with underwriters to aid in resolving mortgage application problems.
  • Assess clients’ overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.
  • Calculate clients’ available monthly income to meet debt obligations.
  • Interview clients by telephone or in person to gather financial information.
  • Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first.
  • Looks after all B2B, B2C, MSME (Loan Ticket Size 5 lacs to 5 Crores) & Tractor loan as an Underwriter.
  • Co-ordinate with Legal & Valuer for successful completion of loan proposal within TAT.

Accounts Executive, O'Connell Inc. Port Leonardoton, New Jersey
Nov. 2015 – Jul. 2017
  • posting of purchase, sales, payment, receipt collection & journal voucher 
  • Verification of bills & reconciliation of total turnover.
  • Bank, Debtors & Creditors Reconciliation.
  • Maintain Petty Cash Book & Internal Audit.
  • Day to day cash & bank transactions.
  • Preparing an outstanding list of Debtor & making Payment follow-up.
  • Preparing of Tax invoices, Vouchers & Agency Payment 
    Sales & Purchase total reconciliation of accounts calculating VAT
    Reconciliation of Bank Statement at the end of month
    Service Tax (CENVAT Credit Statement),Vat Return ,GST Return,TDS Return Filling ,Income Tax E Return Filling & other Govt. Taxes calculate
  • Verifying Employees Travel Claims as per Policy 
  • Maintain salary register in MS-Excel.
  • Softex Filling 
  • Active participation in the preparation of MIS Reports
    Assisting in month end activities.
  • Filed tax returns and prepared governmental reports in compliance with strict standards.
     

Junior Accountant, Rodriguez-Emmerich. Luciennefurt, Illinois
Feb. 2014 – Oct. 2014
  • Arrange for debt repayment or establish repayment schedules, based on customers’ financial situations.
  • Locate and notify customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.
  • Receive payments and post amounts paid to customer accounts.
  • Persuade customers to pay amounts due on credit accounts, damage claims, or nonpayable checks, or to return merchandise.
  • Locate and monitor overdue accounts, using computers and a variety of automated systems.
  • Contact insurance companies to check on status of claims payments and write appeal letters for denial on claims.
  • Negotiate credit extensions when necessary.

Education

North Goodwin, Jonasmouth, Nevada
LLB (Marks obtained: 58.71%), Law Graduate, Dec. 2016

East Kutch College, Christelmouth, Georgia
M.COM (Marks Obtained: 56.30%), Accounts & Finance, Feb. 2013

Eastern Strosin, New Homer, Nevada
B.Com (Marks Obtained:68.25%), Accounts & Finance, Nov. 2011

Graham University, Reichelborough, New Mexico
Higher Secondary (Marks Obtained: 87.25%), Commerce, Aug. 2008

Western Nevada Institute, Lake Humbertoville, Indiana
Madhyamik (Marks obtained: 78.25%), General, Jun. 2006

Languages

English
Fluent

Hindi
Fluent

Bengali
Native speaker

Skills

Windows Operating
Expert

Online Return Submission of Goverment compliance
Expert

Experienced in Finnacle,Finnone,Finnenquiry,Tally,Microsoft Navision(Accounting Software)
Expert

Excel & Excel(Microsoft Office)
Expert

Awards

0f51904c-de74-4842-907a-b54ef61bc0b9

Andrew Smith


287 Custer Street, Hopewell, PA 00000

[email protected]

(000) 000-0000

Professional Summary

A skilled and experienced credit officer with a keen eye for detail. Two years of experience in the finance industry, with a proven track record in financial analysis and loan applications. Tactful and pleasant in all client conversations and happy to provide help. Practiced in verifying client credit data and navigating the loan process, while translating the complexities into layman’s terms. Have gained industry training and qualifications and have a full, clean driving license and exemplary computer skills. Looking for new opportunities to build on a successful career.

Employment history

Senior Credit Officer, Christiansen, Toy and Hirthe. North Murray, Pennsylvania
Feb. 2020 – Present
  • File Login
  • Handling MIS ( Branch Login , IMD cheque , Disbursement , Part disbursement , Vendor Bills , etc. )
  • Underwriting
  • Disbursement
  • Part disbursement
  • Co-ordinate vendor
  • Raise vendor Bills
  • Query solution with operation and sales team

Customer Representative Executive, Tremblay-Goyette. Abbottport, Missouri
Jul. 2017 – Sep. 2017
  • Handling customer queries and request
  • Keep records of customer interactions or transactions, recording details of inquiries, complaints, or comments, as well as actions taken.
  • Check to ensure that appropriate changes were made to resolve customers’ problems.
  • Resolve customers’ service or billing complaints by performing activities such as exchanging merchandise, refunding money, or adjusting bills.

Team Leader , Client Relationship , Project Trainer , Project Manager, Nienow, Kuphal and Carroll. Vandervortland, Oregon
Oct. 2016 – Dec. 2016
Project – 
  • Form 60
  • I Leverage – Gold Loan
  • Pragati Project
  • Crop Insurance
  • EDC Project

Education

Northern Kerluke University, Dwainview, Hawaii
MBA, Finance, Oct. 2019

Eastern Waters, Austinside, New Hampshire
Bachelors Of Management Studies, Management, Jun. 2016

Pfannerstill Academy, New Marty, Pennsylvania
H.S.C, Higher Secondary, Aug. 2013

West Zboncak College, New Koreyton, Colorado
S.S.C, Secondary School, Jan. 2011

Skills

MS-Word

Tally

MS-CIT

Credit Analyst

Computerized Accounting And Office Automation (CAO)

Typeing

MS-Power point

MS-Excel

19710d48-3d19-4f3b-89e3-e473e21642eb

Andrew Smith


Phone:

(000) 000-0000

Email:

[email protected]

Address:

287 Custer Street, Hopewell, PA 00000

Professional Summary

Adaptable, open-minded, analytical accounting expert with  of experience eager to join a respectable, customer-focused financial institution as a public accountant.  Certified Public Accountant with advanced knowledge of auditing, preparation of individual, corporate, and partnership tax returns, and the development of quarterly and year-end estimates.  Detail-oriented with exceptional organization and communication skills with the drive to exceed expectations on every assignment.

Highly-regarded, seasoned Chief Financial Officer and executive leader with extensive experience performing risk management and strategic financial planning for multi-million-dollar, global organizations.  In-depth knowledge of forecasting models, data analytics, finance and accounting, and corporate financial law.  Adept decision-maker, communicator, and collaborator dedicated to protecting organizations profits and revenue to achieve full financial control and sustainability. 

Employment history

Oct. 2019 – Present
Denesikville, Wisconsin
Credit officer, Lehner Inc

  • Establish and maintain relationships with individual or business customers or provide assistance with problems these customers may encounter.
  • Examine, evaluate, or process loan applications.
  • Approve, reject, or coordinate the approval or rejection of lines of credit or commercial, real estate, or personal loans.
  • Plan, direct, or coordinate the activities of workers in branches, offices, or departments of establishments, such as branch banks, brokerage firms, risk and insurance departments, or credit departments.
  • Prepare financial or regulatory reports required by laws, regulations, or boards of directors.

Jan. 2018 – Present
South Carsonborough, Maryland
Credit officer, Blick LLC

  • Establish and maintain relationships with individual or business customers or provide assistance with problems these customers may encounter.
  • Examine, evaluate, or process loan applications.
  • Approve, reject, or coordinate the approval or rejection of lines of credit or commercial, real estate, or personal loans.
  • Plan, direct, or coordinate the activities of workers in branches, offices, or departments of establishments, such as branch banks, brokerage firms, risk and insurance departments, or credit departments.
  • Prepare financial or regulatory reports required by laws, regulations, or boards of directors.

Education

Bachelor of Arts: Commerce

  • Northern Arkansas Academy – Lake Camila, New Hampshire

Skills

HTML
Skillful

credit facility
Skillful

Project manager
Skillful

13f0c05a-babc-44e6-b566-aa15fb0b9dc6

Andrew Smith

287 Custer Street, Hopewell, PA 00000
[email protected]
(000) 000-0000

Professional Summary

15+ years’ experience as a Financial Advisor providing advice and services to clients and families on the Gold Coast.  Strong leadership and exceptional customer service skills with comprehensive knowledge of Mark can assist clients with reviewing their current financial
position and then drawing up a financial plan tailored to their
personal objectives and goals.
Mark has access to a wide range of leading Australian and
international fund managers as well as listed investments and is
supported by AMP Financial Planning’s research to select those it
considers worthy of recommendations to our clients.
He is also able to access a range of Australia’s leading personal
insurance providers to ensure the best insurance solutions are
available.
Mark is committed to building long term relationships with clients
by providing them with the best in professional advice and

Employment history

Credit Officer, Corwin, Langworth and Torp. Reichelfort, Pennsylvania

Senior Financial Adviser, Reichel LLC. North Kirby, Utah
Nov. 2015 – Sep. 2016
  • Establish and maintain relationships with individual or business customers and provide assistance with problems these customers may encounter.
  • Examine, evaluate, review client financial positions.
  • Network within communities to find and attract new business.
  • Prepare financial or regulatory reports required by laws, regulations
  • Prepare written documents to establish contracts with or communicate financial recommendations to clients.
  • Interview clients to determine clients’ assets, liabilities, cash flow, insurance coverage, tax status, or financial objectives.
  • Develop financial plans based on analysis of clients’ financial status, and discuss financial options with clients.
  • Prepare documents needed to implement plans selected by clients..
  • Prepare operational or risk reports for management analysis.
  • Plan, direct, and coordinate risk and insurance programs of establishments to control risks and losses.
  • Direct insurance negotiations, select insurance brokers or carriers, and place insurance.

Financial Planner, O'Keefe, Turcotte and Conroy. New Enda, Georgia
Aug. 2013 – Mar. 2015

Warehouse Supervisor, Simonis, Sporer and Koelpin. East Genevive, Georgia
Jun. 1999 – Jul. 1999
  • Supervise the activities of workers engaged in receiving, storing, testing, and shipping products or materials.
  • Review invoices, work orders, consumption reports, or demand forecasts to estimate peak delivery periods and to issue work assignments.
  • Arrange for necessary shipping documentation and contact customs officials to effect release of shipments.

Credit Controller, Nitzsche-Mayert. Reichertshire, California
Oct. 1991 – Jan. 1992

Credit Controller, Jerde, Cartwright and Vandervort. Kozeyburgh, North Carolina
Sep. 1989 – Oct. 1989

Credit Officer, Hartmann-Wilderman. West Bobbichester, California
Sep. 1986 – Apr. 1988

Bank Officer, Hammes, Schiller and Schultz. Schneiderfort, New Jersey
Jan. 1980 – May. 1982

Education

The Lynch Institute, Schoenberg, New Mexico
Diploma of Financial Services, Nov. 2004

Skills

Financial Planning
Experienced

Warehouse Management
Skillful

Credit Control

Interests

credit officer

  • Ensure compliance with local credit policy, legal, regulatory and government bodiesrequirements
  •  Critically examining all security documentation for completeness.
  •  Ensure that liens are placed on all deposits held as security.  

credit officer

  •  Recommended approval or disapproval of commercial, real estate or credit loans. 
  •  Obtained and interpreted financial statements to assist in credit limit reviews. 
  •  Underwriting and managing credit proposals from sales teams within agreed SLAs
  •  Conferring with credit associations and references to exchange credit information onclients

credit officer (team leader)

  •   Analyse financial statements and credit history to better understand how much riskcould be involved in extending credit to customers.
  •  Appraised of personal loans, mortgage application, credit cards, auto loans andoverdraft facilities.
  •  Proactively manage risk /exposure for assigned portfolio Continuously
  •  Overseeing the credit policy and where necessary, recommending updates
  • Conduct customer due diligence assessing risk level and exposure an all lendingproducts
  •  Assist in the restructuring of debts in the interest of the Corporation and customer.
  •  Ensured compliance with all credit policies and underwriting parameters prior tolending money

credit officer

  • Checked customer’s credit and approve or deny applications based on company standards and requirements
  • Met with customers to give information on loan applications
  • Negotiated payment plans with customers and set up loan terms and conditions
  • Analysed applicants’ financial status, and property evaluations to determine feasibility of granting loans.
  • Referred loan applications outside limits to management for approval
  • Maintained accurate records of loans, analyse the effectiveness of the company’s credit control system and implement changes to improve profitability and reduce bad debts
  • Developed the credit control system in collaboration with Sales, Marketing, Finance and Company executives.

senior credit officer

  • File Login
  • Handling MIS ( Branch Login , IMD cheque , Disbursement , Part disbursement , Vendor Bills , etc. )
  • Part disbursement
  • Co-ordinate vendor
  • Raise vendor Bills
  • Query solution with operation and sales team

credit officer

  • Responsible for disbursement of docket under prescribed TAT. 
  • To provide feedback to RCM on plan of action daily. 
  • Maintaining  MIS and sharing report to Seniors on daily basis. 
  • PDD updating.

credit officer

  •  Other duties as directed by seniors. 
  • Monthly Debtors Reports and analysis of profit and loss
  • Responsible for sanctioning of Lap & Home Loan. 
  • Collecting all necessary data and drafting proposal for getting case recommended by RCM. 

senior credit officer

  • Responsible for Underwriting of self employed & salaried cases.
  • KYC and other Essential document collection to enhance and buildup quality of portfolio.
  • To make eligibility of customer by his Financial history, current income & liability ratio of Self employed and salaried customers by feeding data In excel sheet.
  • Cibil and dedupe check.
  • Analysis of P&L a/c, Balance sheet, ITR, salary slip Bank Statement etc.
  • Scrutiny of property documents with legal & Technical reports. 
  • Conducting Customer PD for credit comfort.  

senior credit officer

  • Order merchandise repossession or service disconnection, and turn over account records to attorneys when customers fail to respond to collection attempts.
  • Liaising with Mercantile Agents on potential / bad debts
  • Assessing and processing credit application
  • Account reconciliations, Bank reconciliations, General Ledger reconciliations
  • Risk Management / Annual Credit Limit reviews
  • Processing daily cash receipts
  • Record information about financial status of customers and status of collection efforts 

credit officer

  • Verifying the post disbursement documentation completion and compliance of all conditions including the sanction terms and conditions stipulated on deals. 
  • Initiate RCU with checking of dual delinquency, CIBIL as well as market reference check of customer. 
  • Checked Technical & Legal report from vendor with cross verified with customer docs. 
  • ED collection follow up with all bucket collection observed and collected from customer. 

credit officer

  • The job entails Business Development by structural targeting and acquisition of small, mid-size and large corporate segment and assessing their requirements.
  • Regular customer engagement, building quality customer portfolio and ensuring growth and profitability of business.
  • Comprehensive credit appraisal and assessment of creditworthiness of customers/ projects; including industry and financial analysis, peer group comparison, trade –lenders reference check, management appraisal and others.
  • Studying technical and economic viability of the various projects.
  • Responsible for legal and audit compliance, regular review of the project progress / loan accounts and carrying out periodic Site visits.
  • Processing disbursements as per the sanction terms and post sanction monitoring of loan accounts.
  • Work in co-ordination with Loan Recovery Department for monitoring of NPA accounts

credit officer

  • Promoting and marketing the Company’s product.
  • Approving and giving loans to clients
  • Increase loan production each month by 25% and maintained a consistent 60% thus ranked in the top 5 in loan volume.
  • Ensuring loan repayments and recoveries are within stipulated timelines and policy guidelines
  • Obtaining and compiling copies of loan applicant’s credit histories and other financial information.
  • Handling complaints and disputes and taking appropriate action to resolve them.

credit officer

  • Initial screening of Housing and mortgage loan application and login the case in System. 
  • Credit recommending, responsible for analysis of loans as per the Policy Manual. 
  • Process of Login to Disbursement from H.O. 
  • Accountable for the credit quality of the loan underwritten and portfolio, including the due diligence, of the portfolio included in their markets. 
  • Accurate and appropriate analysis of applicant’s credentials, including financial analysis & various associated financial ratios for credit decision, as per the Policy Manual. 
  • Responsible for initiating personal Discussion before recommending proposal besides recording all the factual events/observations/discussions to facilitate credit decision by the sanctioning authority. 
  • Preparing and monitoring system related MIS and data updating for the requirement of the administration of the loans as per the Loan Policy Manual. 

credit officer

  • Organised and finished loan applications for underwrite review
  • Reviewed and verified income, credit reports and employment history of each borrower
  • Engaged in marketing of the available services to attract potential clients
  • Coordinated with the rest of the team to create more appealing business strategies 

credit officer

  • Manage Business and Product Portfolio and ensure achievement of branch’s targets in terms of profitability, loans / financing growth and collections  / recovery.
  • Carried out Loan Appraisals, Disbursements, Monitoring and Recovery,
  • Carried out credit marketing
  • Prepared Monthly reports

credit officer

  • Explain to customers the different types of loans and general marketing of all the other SACCO products.
  • Receive loan applications  and promptly working on them to ensure timely disbursements with out delaying clients.
  • Prepare reports on monthly basis concerning the performance of all loans and present such reports in relevant committees.
  • Ensure 95% recovery of SACCO money from all the loan clients at all times.
  • Ensure safety and proper maintenance of all SACCO assets in my possession.

credit officer

  •  Gather loan information of Customer. 
  • Analyze and Verify Customer’s Financial Information.  
  •  Dealing with customer for chance of approval of loan. 
  •  Present Approval and Rejection Decisions to Management.
  •  Credit applications are correctly prepared in accordance with the bank’s policies. 

credit officer

  • Reviewed and verified income, credit reports and employment histories for each borrower.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Monitored accounts for signs of fraud and non-payment issues.
  • Verified declared living expenses of individuals for home loan applications and made changes where appropriate. 

credit officer

  • Generation of finance quotes, and input of credit applications to the quoting and tracking system 
  • Preparation of a client credit file for assessment by credit analysts. 
  • Liaising with various stakeholders to obtain information for decision making 
  • General credit administration duties such as file maintenance, collating and maintaining credit application statistics
  • Generate finance quotes for customers and introducers (Chattel Mortgage, Finance Leases and Hire Purchases)
  • Collating and maintaining credit application statistics and using the data to prepare basic reporting
  • General administration duties

credit officer

  •  Determined good and bad debts.
  •  Disbursed loans.
  •  Advised clients on financial planning.
  •  Liaison role.  
  •  Issuing monthly loan reports and portfolio status.
  •  Assessing clients collateral and purpose of loan. 
  • Recovered of unpaid loans  through interpersonal skills.

senior credit officer

  •  I worked for Telstra Corporation as a Senior Credit Officer for Premier Business under Credit Management Department.  
  •  I usually handle Portfolio Case Manage customer for business and enterprise.   
  • My role is to help the customer to managed their monthly bills with Telstra Corp by means of the following :   Arrange for debt repayment or establish repayment schedules, based on customers’ financial situations. 
  • Providing extension of payment if require.  
  • Resolving billing dispute and fault issues.  
  •  Assist the customer for any bill related issue.  

credit officer

  • Debt collection for Shell fleet card customers in Malaysia (B2B) and Singapore (B2B & B2C) as per guidelines in Shell’s Downstream Credit Manual 
  • Follow up calls for collection activity, resolve disputes or escalation cases and channel it to the right department
  • Advise clients on possible ways of payments in times of difficulty (delinquent clients) such as rescheduling of their loans, refinancing among others.
  • liaise with courts of law to enforce repayment of defaulted loans when necessary.

credit officer (internship)

  • Checking the loan payment & record payment received .
  • Advise to the customer about their loan.
  • Advise customers to pay off their debt.
  • Update the customer loan payment every month.

credit officer

  • Manage the effectiveness of the loan, keep the bad debt rate less than 2%
  • Ensure adequate recovery of SACCO money through regular physical monitoring of all loans and phone reminders to clients .
  • Advise clients or respond to inquiries about financial matters in person or via phone, or Internet chat.
  • Advise my clients on setting repayment terms/periods given amount of debt, interest rates, and available funds.

credit officer

  • Prepare reports to send to customers whose accounts are delinquent, and present such reports in loans committee meetings.
  • Interview clients in person to gather financial information and assess clients’ overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.
  • Obtain and compile copies of loan applicants’ credit histories such as financial statements, and other financial information to get helped in the appraisal exercise.
  • Explain to customers the different types of loan products and credit options that are available, as well as the terms of those services.
  • Set and review credit policies, procedures and standards in conjunction with senior managers.
  • Process loan repayment schedules for clients.
  • cross sell and sensitize members and non members about  all the loan and non loan products that the SACCO offers.

credit officer

  • Vetting of loan applications 
  • Filling of loan appraisals form 
  • Disbursement of loans 
  • Recoveries of loans