Analyst, Commercial Banking Resume Sample
Micah Ruecker
4592 Kassulke Creek,
Los Angeles,
CA
+1 (555) 998 5660
Work Experience
Senior Analyst Commercial Banking
02/2018
-
PRESENT
Dallas, TX
- Strong credit judgment and a good knowledge of the Bank’s lending policies, practices and procedures, as well as financial analysis and risk assessment techniques for structuring credits
- Manage new to bank client onboarding and existing client CDD process’s to defined SLAs, ensuring any risks to the timescales are escalated to the Team Leader and Relationship Manager
- Liaise with the client to gather detailed client information and supporting documentation required to complete the CDD profile
- The role is to proactively support Corporate Relationship Managers (RM) to enable them to deliver the optimum contribution towards the CBC Annual Operating Plan (AOP), improve client engagement, maximize operational efficiency and allow the RMs to spend more time with clients and grow income
- The role is to proactively support Corporate Relationship Managers (RM) to enable them to deliver the optimum contribution towards the CBC Annual Operating Plan (AOP), improve client engagement, maximise operational efficiency and allow the RMs to spend more time with clients and grow income
- With direction, contribute to the attainment of business results
- Prepare all relevant pre and post customer documentation, collation /analysis of financial/non-financial information and coordination of products/solutions which suit customer needs
Analyst, Commercial Banking
04/2014
-
09/2017
Dallas, TX
- Supports Client Relationship Managers, Senior Client Relationship Managers and Senior Credit Solutions Managers
- Responsible for spreading the financial statements and tax returns of clients and prospective clients
- Responsible for performing a thorough review of current and prospective clients by gathering and analyzing their background credit and legal information, to validate their credit worthiness and legal standing
- Performs independent credit analysis of loan packages (i.e. prepare financial analysis of business and personal tax returns and financial statements)
- Prepares Risk Rating change memos under the supervision of more senior bankers
- Determines initial Debt Service Coverage Ratio (DSCR) for credits as requested by more senior bankers
- Tests and prepares Loan Covenant Compliance and Annual Reviews as requested by more senior bankers
- Ensures adherence to the Bank’s loan policies and actively incorporates them when underwriting credit
- Follows policies and procedures; completes tasks correctly and on time; supports the company’s goals and values
Salesforce Knowledge Business Analyst Commercial Banking
03/2008
-
02/2014
Dallas, TX
- Participate in the deals and discussions with clients alongside the relationship managers to gain as much experience of relationship management and the management of complex international credits
- Enhance and develop mutually beneficial relationships with clients
- Liaise and work with CBC team(s) to ensure best possible experience and outcomes for customers, employees and the Bank
- Effective interaction with team within CBC and across the wider Bank
- Responsible for reviewing service delivery, resolving delivery issues, and developing / extending services provided to clients
- Provide support to the RM in delivering a relationship management service which provides value-added services and guidance to customers, prospects and professionals
- Under the guidance and direction of the RM, analyse the financial reports and MI of customers and prospective customers, preparing credit applications and customer presentations to establish and promote HSBC as the “Leading International Business” bank
Education
University of Texas at Brownsville
2004 - 2008
Bachelor's Degree in Business
Professional Skills
- Strong ‘team’ skills promoting an environment of co-operation and
- Effective organizational and time management skills. Ability to juggle multiple tasks simultaneously
- Discipline and 2-5 years of experience in related field OR MA and 1-3 years of experience in related field
- Strong understanding of accounting and spreading the financial statements
- Strong knowledge of internal systems (e.g. MIF/COINS, Auto Ril, MFA and OCP) and operations
- Working knowledge of CMB’s proposition / product capabilities
- Keeping up-to-date on knowledge of HSBC’s capabilities
How to write Analyst, Commercial Banking Resume
Analyst, Commercial Banking role is responsible for research, finance, credit, training, security, reporting, health, microsoft, outlook, powerpoint.
To write great resume for analyst, commercial banking job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Analyst, Commercial Banking Resume
The section contact information is important in your analyst, commercial banking resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Analyst, Commercial Banking Resume
The section work experience is an essential part of your analyst, commercial banking resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous analyst, commercial banking responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular analyst, commercial banking position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Analyst, Commercial Banking resume experience can include:
- Work with the RM to develop and research a target list of prospect companies, and identify customer needs and researching potential solutions from existing customers
- Act as a coordinator when the RM introduces appropriate colleagues from the product areas and other group entities to develop solutions which meet the needs of the customer, monitoring SLAs and managing client expectations
- Assist the RM in preparing and having Strategic Business Conversations and completing Strategic Business Reviews to ensure that we fully understand the customers plans and needs and provide solutions to meet these
- Support the proactive acquisition of new clients by understanding clients’ needs and identifying business opportunities/referrals
- Monitor credit risk, including out of order and endorsements, credit control reports, action within DA limits and escalate to the RM where required
- Monitor the risk portfolio rating and quality and provide ongoing risk monitoring including AML alerts, and act as an escalation point for risk issue response - escalate Risk concerns, Including AML and other FCC alerts to the RM
Education on an Analyst, Commercial Banking Resume
Make sure to make education a priority on your analyst, commercial banking resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your analyst, commercial banking experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Analyst, Commercial Banking Resume
When listing skills on your analyst, commercial banking resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical analyst, commercial banking skills:
- Participate in the deals and discussions with clients alongside the S/CBMs to gain as much experience of relationship management and the management of complex international credits
- Solid understanding of basic loan documentation and creating a Perfected Lien
- Good working understanding of the trade cycle and business processes involved when importing and/or exporting
- Continually monitoring accounts / products to ensure the criteria laid down by the Bank’s adjudicating, auditing, and compliance organizations are met
- Support theannual review process and preparation of credit correspondence bypreparing/completing spreads of annual financial statements and projections
- Assist in ensuring the Bank’s risk profile is mitigated by
List of Typical Skills For an Analyst, Commercial Banking Resume
1
Skills For Credit Analyst, Commercial Banking Resume
- Ensuring offside conditions as specified by the Bank’s adjudicating, auditing, and compliance organizations are identified, investigated and escalated to the appropriate Bank Officers
- Proactively identify credits about to expire, review lists with the Manager Commercial Bankers, obtain/follow for copies of all necessary financial and other data stipulated in the Credit Agreement
- Maintain a thorough understanding of the client’s business including soundness of business strategies, quality of management, business risks (including industry and environmental risks), ownership and control, and interdependencies. Assess financial risks including leverage, liquidity, debt coverage, access to capital management
- Collaborate in completing applicable Credit Renewals, which would include, but not restricted to, all amendments, credit renewals, and new business submissions
- Monitor portfolio daily, in conjunction with Manager Commercial Bankers, referring with explanations any irregularities to Risk Management
- Obtain all security documents under the Simple Security format and/or complete instruction letters to approved solicitors and follow for completion of the related security
2
Skills For Salesforce Knowledge Business Analyst Commercial Banking Resume
- Monitor credit facilities for identification of trends referring to the Manager Commercial Bankers when negative trends are evident or unusual events noted
- Qualifications and/or training course
- Prepare Quarterly Watch List, Sundry Credit Amendment applications and positions of accounts
- Joint responsibility to maintain credit expires under 8%. The Credit Analyst proactively starts the credit process (gathers information, writes first draft of credit). Final responsibility of the credit remains with the relationship Manager
- Assist the Manager Commercial Bankers with ongoing analysis of the profitability of their portfolios
- Complete annual and quarterly compliance items
3
Skills For Client Solutions Analyst Commercial Banking Resume
- As requested by MCBs, research new business (prospect) opportunities
- Assist MCBs with the completion of Proposals for presentations
- Deepen client relationships by understanding clients’ businesses, being a client champion, providing admin support/service for client-facing interactions and providing actionable recommendations to support credit decisions
- Collaboration - Work with Relationship Managers in monitoring portfolios daily, referring with explanations of any irregularities to Risk Management. Completing applicable Credit Renewals, including amendments, and new business submissions. Coordinate client events with the managers
- Client First- Proactively assess your clients’ needs and propose solutions to deliver to meet those needs. Identify, through the analysis process and through client dealings, and refer other potential sales and/or service improvement opportunities
4
Skills For Onboarding Case Analyst, Commercial Banking Resume
- Developed knowledge of Credit policies and applicable business knowledge
- Familiarity of CIBC processes and policies
- Strong skills in computer terminal and personal computer operation; Microsoft Office applications including but not limited to: Word, Excel, PowerPoint and Outlook
- Comprehend and explain financial calculations
- Apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees
5
Skills For Senior Analyst Commercial Banking Resume
- Support the profitable growth and quality of the Bank’s Commercial Credit portfolio for moderately complex financial solutions by collecting, processing, assimilating and spreading client reporting information (interim and annual)
- Maintain a complete monitoring system to ensure the accuracy of client reporting requirements and the timely submission of information, which requires direct client contact
- Deepen client relationships by understanding clients’ businesses, being a client champion and providing administrative support/service for client-facing interactions
- Support the profitable growth and quality of the Bank’s CommercialCredit portfolio for moderately complex financial solutions by collecting,processing, assimilating and spreading client reporting information (interimand annual)
- Maintain a complete monitoring system to ensure the accuracy of clientreporting requirements and the timely submission of information, which requiresdirect client contact
- Deepenclient relationships by understanding clients’ businesses, being a clientchampion and providing administrative support/service for client-facinginteractions
- Good credit knowledge
6
Skills For Client Portfolio Analyst Commercial Banking Resume
- Make Better Products, Sell
- Them Properly and Keep Them Sold
- Coordinate client events
- Subject Matter Expertise – Become a “subject matter expert”. Proactively identifying expiring credits, and obtain any necessary documentation stipulated in the credit agreements. Be the liaison between your Business partners and the Commercial Managers. Responsibility to maintain credit expires under 8%, and proactively start the credit process to pass off to the Relationship Manager
- The Group has a strategic objective to be the ‘Leading International Business’ which builds on our global network, recognizes the increasing globalization of the world’s economy and the increased value of international customers. Our group capabilities, coupled with our understanding of local markets and cultures worldwide, help us deliver innovative solutions to our clients
Related to Analyst, Commercial Banking Resume Samples
Analyst, Commercial Resume Sample
Work Experience
• Utilizes WFM tool to route technicians.
• Demand Forecast Analysis
• Gather market intelligence from the Account Managers and provide accurate sales demand forecast
• We evaluate and communicate pricing projections with assumptions used in reinsurance, ...
Professional Skills
• Strong analytical and critical thinking sk...
• Answer business questions using experience...
• Excellent analytical & financial modelling...
Financial Analyst, Commercial Resume Sample
Work Experience
• Commerical biotech experience required
• Proactively stay up-to-date on trends and developments within ADS’s global operations
• Provide analytical support to the Commercial Finance group through detailed variance analysis, interaction with the Sales group, and a focus on rev...
Professional Skills
• Excellent organization skills to direct a ...
• Strong analysis skills with experience in ...
• Extraordinary verbal and written communica...
Marketing / Commercial Resume Sample
Work Experience
• Identify, agree (with country and global colleagues), create, adapt and improve automated partner journeys with the objective of driving Cisco’s business across the region
• Identify, agree (with country and global colleagues), create, adapt and improve automated customer journeys/platforms with th...
Professional Skills
• Lead the development and delivery of the l...
• Technical understanding and skills to tran...
• Advanced oral and written communication sk...
Marketing / Commercial Resume Sample
Work Experience
• Identify, agree (with country and global colleagues), create, adapt and improve automated partner journeys with the objective of driving Cisco’s business across the region
• Identify, agree (with country and global colleagues), create, adapt and improve automated customer journeys/platforms with th...
Professional Skills
• Lead the development and delivery of the l...
• Technical understanding and skills to tran...
• Advanced oral and written communication sk...
Service Commercial Resume Sample
Work Experience
• Effectively oversees the deposit opening, maintenance and loan closing processes for region’s relationship teams, to ensure compliance with loan approval and credit policy, integrity in documentation (pre- and post-closing, and “watch” credits), exception management, combined with a consistently high level of client sati...
Professional Skills
• Demonstrated effective interpersonal commu...
• Excellent organizational skills and abilit...
• Demonstrate a high level of customer servi...
Commercial Market Resume Sample
Work Experience
• Responsible for increasing division’s commercial video revenues, as well as securing profitable, long-term contracts
• Ensures that all sales personnel completely understand commercial sales and overall division’s goals, including budgetary goals.JOB REQUIREMENTS
• Developing...
Professional Skills
• Demonstrated skills and results identifyin...
• Strong relationship building skills with t...
• Energetic, passionate, driven, and strong ...