- Coding and Programming
- Artificial Intelligence (AI) and Machine Learning
Christopher Michael Wright
Charles Town,WV
Summary
Credit professional with extensive experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Known for collaborative approach and delivering results that align with company goals. Reliable and adaptable, possessing strong analytical skills and attention to detail.
Overview
15
15
years of professional experience
Work History
Credit Analyst
Citigroup Inc.
10.2010 - Current
- Working at Citi I gained an extensive knowledge in credit lending, from all aspects of credit. I started at the bank in Credit Acquisitions. Reviewing applications for perspective clients, determining based on an overall holistic review whether the client was qualified for the card or not.
- In 2013, I moved over to another part of credit, reviewing established accounts, completing holistic reviews to determine if the client qualified for a Credit Line Increase, decrease, or whether they were able to go over the credit line based on their overall performance. In this department I also assisted with payments that were placed on a hold, seeing if we were able to remove the hold for the client.
- In 2018, I applied for and was selected to move to another part of credit focusing on Small Business accounts and applications. Within the department I would determine whether small business and small corporations, would qualify for an account and would also review their established accounts. I would evaluate and determine if the client was credit worthy using a variety of Citi based credit systems.
- As of 2021, I have been with a specialty part of credit, reviewing credit accounts taking a more in-depth review of the Credit Bureau Report, the client’s account performance, and Citi Fraud procedures, to judgmentally determine if the client is a risk to the bank.
- Use of Multiple credit checker applications Through a DOSS based system and multiple credit GUI systems that Citi uses and has brought into service.
- Would assist my teammates in both account reviews and Application reviews if needed.
- While I worked within Citi, I have loaned out several times to Quality Assurance to assist in writing Citi’s Scorecard procedures. I would so test the new Quality System and Monitoring cards after they were built to ensure the card was built correctly and lined up with the quality procedures being written.
- Inquire about prior work experience if needed.
- Conducted comprehensive credit assessments to evaluate risk and inform lending decisions.
- Developed risk models utilizing statistical analysis to predict client default probabilities.
- Collaborated with cross-functional teams to enhance risk management strategies and policies.
- Monitored portfolio performance, identifying trends and recommending adjustments to mitigate risks.
- Implemented data-driven insights to improve credit approval processes and reduce turnaround times.
- Managed relationships with external credit bureaus, ensuring data accuracy and compliance with regulations.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Performed credit reviews on corporations to assess financial conditions.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
- Investigated and resolved customer disputes related to credit decisions.
- Made decisions and recommendations about extending lines of credit.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Assessed credit risk and analyzed financial statements.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Reduced credit risk by implementing comprehensive risk assessment strategies.
- Adhered to banking standards and government lending guidelines for loan services.
- Used Citi software and Sawgrass to perform credit appraisals, document verification and loan approvals.
Education
Bachelor of Science - Accounting
Shepherd University
Shepherds Town, WV01.2020
Associate’s in arts degree - Business Management
Frederick Community College
Frederick, MD01.2010
High School Diploma - undefined
Brunswick High School
Brunswick, MD01.2002
Skills
- I have a great amount of experience in credit lending as well as customer service
- I am also proficient in Microsoft Office, with some hands-on experience in QuickBooks, Tableau, IDEA and several tax preparation programs
- Risk assessment
- Credit analysis
- Financial statement analysis
- Credit risk
Interests
Timeline
Credit Analyst
Citigroup Inc.
10.2010 - Current
Associate’s in arts degree - Business Management
Frederick Community College
High School Diploma - undefined
Brunswick High School
Bachelor of Science - Accounting
Shepherd University