Credit Manager Resume Example & Writing Guide

Use this Credit Manager resume example and guide to improve your career and write a powerful resume that will separate you from the competition.

Credit managers are responsible for reviewing and assessing applications from prospective customers, assessing their creditworthiness, and deciding whether or not they should receive credit. They monitor existing accounts to make sure customers are paying their bills on time and following the terms of their contracts. And they’re in charge of managing credit risk—which can be a tricky task when it comes to lending money to people who haven’t had credit before.

If you’re looking for a career that combines analytical skills with great customer service, consider becoming a credit manager. Here are some tips and an example resume to help you write yours.

Michael Garcia
New York City, NY | (123) 456-7891 | [email protected]

Seasoned credit manager with over 10 years of experience in the consumer products and retail industries. Proven ability to develop and implement credit and collections policies that minimize risk and protect company assets. Excels at building and maintaining positive relationships with customers, vendors, and internal teams.

Baruch College, The City University of New York Jun '10
M.B.A. in Finance
Baruch College, The City University of New York Jun '06
B.S. in Business Administration
Company A, Credit Manager Jan '17 – Current
  • Managed the credit department to ensure that all accounts receivable were collected in a timely manner and within company guidelines.
  • Provided customer service for customers with delinquent accounts, including account review, collection calls, and legal action as needed.
  • Maintained knowledge of current laws regarding debt collection practices and ensured compliance with these regulations at all times.
  • Analyzed financial statements to determine trends and prepared reports on collections activity for management use.
  • Assisted other departments when necessary by providing information from accounting systems or performing special projects as assigned by management.
Company B, Credit Manager Jan '12 – Dec '16
  • Developed strong relationships with clients and vendors to ensure that all needs were met in a timely manner
  • Managed the collection of delinquent accounts, ensuring that legal limits were not exceeded while still collecting on as much debt as possible
  • Analyzed credit reports for accuracy and completeness, identifying errors or inconsistencies which could be corrected before they became problems
  • Negotiated payment plans with customers who had fallen behind on their bills, reducing delinquency rates by 10% over previous year’s figures
  • Reduced bad debt expense by implementing new billing procedures which reduced late payments by 15%
Company C, Accounts Receivable Clerk Jan '09 – Dec '11
  • Ensured the proper documentation (invoices, sales orders) for correct billing of all transactions and handled accounts receivable reconciliation in a timely manner to ensure accuracy while providing customer service support by responding promptly to inquiries from clients.
  • Provided appropriate training related to contact center operational guidelines and procedures as well as job specific instructions that ensured adherence to established standards.
  • Reviewed daily contact center reports, identified opportunities for continuous improvement, evaluated quality issues/gaps, analyzed trends and provided guidance on corrective action plans based on findings.

Industry Knowledge: Credit Scoring, Credit Reporting, Collections, Fraud, Charge-Offs, Bankruptcy, Fair Credit Act, Fair Credit Reporting Act, FCRA, FCRA Compliance
Technical Skills: Microsoft Office Suite, QuickBooks,, Zendesk, Xero, Sage, Intuit, NetSuite, Salesforce
Soft Skills: Communication, Problem Solving, Teamwork, Leadership, Customer Service, Attention to Detail, Negotiation

How to Write a Credit Manager Resume

Here’s how to write a credit manager resume of your own.

Write Compelling Bullet Points

Bullet points are the most effective way to showcase your experience and qualifications. But rather than simply listing your responsibilities, you can make your bullet points much more interesting and compelling by using specific numbers and metrics.

For example, rather than saying you “managed accounts,” you could say that you “managed accounts for top-tier luxury brand, resulting in a 15% increase in revenue over 18-month period.”

The second bullet point is much more specific and provides a clear sense of the scale of the project and the outcome.

Identify and Include Relevant Keywords

When you submit your resume for a credit manager role, it’s likely that it will be scanned by an applicant tracking system (ATS) for certain keywords. These programs look for specific terms related to the job in order to determine whether or not you have the skills and experience required for the position. If your resume doesn’t include enough of the right terms, your application might not make it past the initial screening process.

To increase your chances of getting an interview, use this list of keywords as a starting point to help you identify the most relevant skills and experience to include on your resume.

  • Credit
  • Credit Analysis
  • Banking
  • Loans
  • Commercial Banking
  • Credit Risk
  • Portfolio Management
  • Risk Management
  • Financial Analysis
  • Financial Services
  • Retail Banking
  • Credit Risk Analysis
  • Mortgage Lending
  • Sales
  • Commercial Lending
  • Credit Risk Underwriting
  • Customer Service
  • Credit Administration
  • Financial Risk
  • Business Relationship Management
  • Risk Assessment
  • Credit & Collections
  • Credit Review
  • Credit Risk Modeling
  • Collection Strategies
  • Commercial Credit
  • Collections
  • Bankruptcy Law
  • Bankruptcy
  • Business Analysis

Showcase Your Technical Skills

Credit managers are responsible for maintaining the credit of their company by monitoring credit reports and issuing credit approvals. They use a variety of software programs and systems to do their job, so it’s important to list any relevant technical skills you have. Programs like Microsoft Excel, Access, and SQL are commonly used by credit managers, as they allow them to track and analyze credit data. Additionally, credit managers need to be familiar with the credit scoring models used by the major credit bureaus.


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