Credit Manager CV Example

A credit manager CV that includes all the necessary details and is tailored carefully to the job description puts you in a great position. It can help you pass the ATS screening stage, make a strong impression with the employer and reach the latter stages of the recruitment process. Now let’s explore the main sections of a CV and see how to structure each one for maximum impact.

Key sections of a credit manager CV

Your strategy for writing a credit manager CV will depend heavily on your experience, your level of seniority and the requirements listed in the job description.

However, at any stage of your career, a credit manager CV serves as a professional biography that must clearly illustrate your career trajectory. To help you tell that story effectively, we will now break down the document piece-by-piece, starting with your contact header and moving through the key pieces of your professional path.

CV Header

Start your credit manager CV with a header that features subtle, professional design elements and sets the tone for the document. Add your name, email address, phone number and location (your full address isn't normally needed). Additionally, consider adding a URL to your LinkedIn profile if you have one. This can help the reader to quickly access further information about your career and credentials that you haven't been able to add to your CV.

For UK applications, it's not usually a good idea to add a personal photo or any other personal details, such as your age, gender, nationality or ethnicity. These can risk introducing bias to the selection process and, as such, are often discouraged in job adverts under the terms of the Equality Act 2010.

CV Summary

Below your CV header, the next section tends to be a CV summary or CV objective. This paragraph briefly explains a few of your key skills and qualities, so employers can easily understand whether you're likely to be a suitable candidate for the credit manager job. A CV summary focuses on your key skills and achievements, while a CV objective provides an alternative approach, showcasing your career ambitions and how the role fits with these. This makes a CV objective ideal for entry-level candidates.

Whether you choose to write a summary or an objective, aim for a length of two or three sentences, introducing your key skills, unique qualities and key achievements or ambitions, making sure they reflect what's included in the job description.

A good CV summary will highlight one or two key skills that match those listed in the job description, and show how you've put them to good use in your career to date. You'll want to set yourself apart from other candidates by focusing on unique qualities or particular areas of strength that have shaped your career to date. Below you'll find a good example of how to write an effective credit manager CV summary. The example shows quantifiable achievements and well-structured sentences.

See above for an example of an ineffective summary, with subtle differences leading to a reduction of impact. There are several factors that could make your summary less engaging. These include using long, poorly-structured sentences, failing to add evidence of your impact, being too generic with the skills you mention and not adapting your CV summary to specifically respond to the job description.

Professional Experience

A CV's work experience section is usually its most important element. Employers tend to value the work experience section, as it shows evidence of how you've put your relevant skills to good use in your career to date. Ensure you tailor your work experience section to reflect the job description and show you meet all the essential requirements. This means picking out skills and qualities as keywords and reflecting them back in your work experience bullet points, so employers can assess your likely fit for the role.

Create a list of all your most relevant roles, going back up to 10 or 15 years if necessary. Include your job title, the name of the employer, its location and the dates you worked there. Include bullet points that explain how you put your skills to good use in each previous role.

The difference between an average CV work experience section and an outstanding one is the use of action verbs and quantifiable evidence. You'll want to show how your actions led to measurable positive outcomes for employers, and indicate a progression in your skills throughout your career. Here's an example of best practice in a credit manager CV work experience section:

Take a look at a less strong credit manager CV work experience section above. The work experience section could fail to make an impression if it's too generic, focuses on older or irrelevant roles or lacks tailoring to the job description. It's also important to avoid focusing too much on responsibilities that don't tell the reader anything of the value you added to the role.

Education

Your education section should showcase your most recent and highest qualifications, paying particular attention to anything that's specifically required for the role.

To work as a credit manager, it's not necessary to have a specific degree. However, while a degree isn't usually requested in the job description, it can be useful to include other relevant qualifications in your CV's education section. These might include CICM Diploma in Credit Management, or other courses that show your hard skills, such as credit risk assessment or financial statement analysis.

When creating your education section, think about which qualifications are most relevant to the role, and list them in reverse-chronological order, starting with the most recent and working back from there. Add the name and level of the award, the institution, its location and your dates of study or graduation. If you have space or if you particularly want to emphasise your qualifications, you could add one or two bullet points under each entry, highlighting specialist areas of study, projects you worked on, awards you won or societies you were a member of.

It may also be useful for you to add any specialist industry qualifications, certifications or licences that you might require for the role. If you choose to add these, remember also to add an expiration date, if the licence requires renewal in the future.

Key Skills

In your CV skills section, include a combination of the key hard and soft skills you possess, that make you a suitable candidate for the position. Make sure your skills list reflects the requirements specified in the job description, and include a few skills that are unique to you, and help set you apart from the pack. For a credit manager CV, it's valuable to highlight essential skills from your skill set, such as risk assessment and credit risk assessment, to grab the attention of hiring managers and show you're qualified for the credit manager position.

Hard Skills

Hard skills refer to the technical and specialist skills required for the everyday duties of the job. They might include specialist knowledge, or the use of certain software and equipment. You can gain these skills through study, training or industry experience, and they might require a licence or certification. For credit manager roles, hard skills from your career experience, such as SAP ERP implementation, and data modelling techniques tend to be prioritised by employers and recruiters. Review the job description, and include four or five key hard skills in your CV that show employers you're capable of completing the key duties of the role.

You'll want to include a list of hard skills that closely matches the skills listed as 'essential' or 'desirable' in the job description, while also reflecting your own strongest technical skills.

Take a look below to see the type of skills that are commonly listed in a credit manager CV hard skills section:

Soft Skills

Your soft skills list should contain a list of your personal strengths that make you suitable for the role, and a good fit for the team and the organisation. In contrast to hard skills, these tend to be transferable and applicable to different roles and levels. As a result of rapid technological changes in the world of work, soft skills are becoming ever-more valued by employers. Soft skills can also be particularly valuable for junior or entry-level roles where candidates haven't necessarily had the time to develop hard skills and career achievements.

Just like the hard skills section, begin by reviewing the job description to learn the most desirable soft skills to include in your credit manager CV. Only add soft skills that you can provide evidence for throughout your CV. Craft a list of up to five key soft and transferable skills that reflect the job description, while also including some of your strongest, most unique skills to stand out from the crowd.

Explore the examples below to identify soft skills commonly presented in a credit manager CV.

Languages

If you speak any languages in addition to your mother tongue, you might want to include them in your credit manager CV as a languages section. These can be valuable for your application, whether languages are specified as a requirement in the job description or not. In this section, include any foreign languages you speak to a standard that could be useful in the world of work, with an indication of your proficiency level.

The ways to indicate your foreign language skills depend on the level of detail you want to provide. They include assigning a basic descriptive word, such as:

• English: Fluent
• Spanish: Intermediate

Alternatively, use an internationally recognised framework for languages, such as the Common European Framework of Reference (CEFR). This gives your language skills a standardised competence indicator, as follows:

• A1: Beginner
• A2: Elementary
• B1: Intermediate
• B2: Upper intermediate
• C1: Advanced
• C2: Proficiency

Certifications and Training

If you have extra qualifications beyond the basics of what's expected or required for the role, you might want to include a separate certifications section in your CV. If you've been proactive in pursuing professional development opportunities throughout your career, it's worth showcasing them. Not only do they make you more qualified, they also show a proactive and motivated mindset. In addition, some roles require specific licences or training just to be eligible for the job, making the certifications section more important. This might include technical roles or positions which require the operation of specialist software, equipment or machinery.

See below for a list of example certifications and licences you might add to your CV for credit manager roles:

Additional Information

Including optional sections in addition to the core elements of your credit manager CV can help you provide further evidence of your suitability for the role. Consider adding optional sections if you're unable to show all the necessary skills for the job through work experience, but could show them through extracurricular activities and other areas of life. This could be especially relevant if you're a junior candidate, or if you're changing careers.

If you're curious about other ways to make your CV more effective, our career resources will help you strengthen your application.

Hobbies and Interests

If you have any hobbies and interests that can showcase skills relevant to the job description, it might be worth including them. Additionally, this section gives you the chance to show employers different facets of your personality and interests beyond work, which can help them to differentiate you from other applicants. However, a hobbies and interests section is only valuable if it helps you to show relevant skills you've been unable to evidence in other parts of your CV. If your hobbies and interests are unrelated to the job, it's best to leave them off your CV.

Achievements and Awards

Creating a section for your achievements and awards can help you draw attention to the things you're most proud of in your career to date. In this section, add any awards or recognition you've received for achievements, and any career milestones you've reached that show you're a strong candidate for the job.

Voluntary Work

Another alternative to showcasing your skills and experience through work experience is by adding a volunteering section. This can give you a valuable showcase of your skills, particularly if you're a junior candidate or career changer without much relevant work experience. In your volunteering section, use a similar structure to your work experience section.

Add your job title or a description of the volunteer role, the organisation name, its location and the dates you volunteered (start and end date). Under this, add bullet points to show the skills you used, and evidence of how they contributed to positive achievements for the organisation.

Best action verbs for an engaging credit manager CV

Using strong action verbs in your work experience bullet points gives you the opportunity to show how you've applied skills to good effect in previous roles. Starting each bullet point with an action verb, such as 'delivered', 'collaborated' or 'developed' also allows you to show your key skills and qualities in a way that's easily identifiable for the reader. Remember, it's essential to evidence any action verbs you add to your work experience. This will help show your achievements and the impact you made in previous roles. Use past tense for action verbs that describe previous roles, and present tense for your current position.

Full example of credit manager CV

Now that you're aware of the key steps to creating a winning credit manager CV, you can review a complete example to see how a final CV looks:

If you're not sure what your one-page, finalised CV design might look like, check out our examples.

Tips for optimising your CV for ATS

Applicant tracking systems (ATS) are now commonly used by employers, to help them manage the recruitment process. One of the main functions of ATS software is the scanning and ranking of CVs according to their likely suitability for the role. By assuming this role in the recruitment process, ATS apps can reduce the amount of time employers need to spend reviewing CVs. With hundreds of applications for a single vacancy becoming increasingly commonplace, this increased efficiency is extremely valuable for employers.

The growing prevalence of ATS apps requires a shift in approach by jobseekers, to prepare a CV with the best chance of passing the ATS screening stage. That's why we've put together a list of key ATS CV tips, to maximise your chances of success:

• Include keywords and phrases that match the job description, making it easy for ATS apps to identify a strong fit for the role.
• Use standard CV headings that make your CV easier to navigate, such as 'work experience', 'education' and 'skills'.
• Choose a simple, straightforward CV layout with clear, consistent formatting, that avoids text boxes, graphics or other special design elements, as these can make your CV harder to scan.
• Select a font that enhances the readability of your CV, including recognised serif and sans serif fonts between sizes 10 and 12 for body text, and 14 and 16 for headings.
• Use bullet points instead of writing full sentences, to reduce the overall length of your CV, make it more keyword-dense and help ATS apps to scan it more easily.

It might seem like there's a lot to remember when it comes to making an ATS-compatible CV, but taking care with this stage can really improve your chances of success. To make the process as easy as possible, use one of our expert-designed, ATS-optimised CV templates and boost your chances of success.

Key takeaways for success with your credit manager CV

To give you the best chance of success with your CV, tailor it for every specific application, including keywords that reflect the job description. Choose the most fitting CV format for your experience level, and focus on showcasing how you've developed the necessary skills for the role, and used them to positive effect in previous roles.

Finally, using a clean, professional CV template like those offered by Jobseeker, can help your CV stand out among its competitors and give you the best chance of success with your applications.

References:

1. Barnet Council (UK local government), Recruitment tips: How to write a supporting statement
2. Jobseeker, Hiring Trends