Analyst, Credit Resume Sample
Work Experience
- Experience in data mining and optimization tools/software an asset
- Support Credit leadership in managing counterparty/customer limits and exposure monitoring to maintain compliance with credit policy and specific counterparty credit terms
- Negotiate or support senior credit personnel as they negotiate credit terms and conditions, participate in conference calls to assess counterparty credit worthiness, perform customer visits
- Provide Credit Workout team with early warning of potential high risk counterparties / customers, and assist in risk mitigation activities
- Maintain Risk data system and reporting integrity
- Ensure accuracy of external and internal reporting
- Participate in conference calls with upper management of customers- limited interaction with Senior Management on all credit/risk issues, including risk committee and transaction approval meetings
- Rigorously follow the credit process in all transactions and derive creative solutions and structures in managing multiple risks associated with a multi-billion dollar portfolio
- Support daily margining of over 350 active OTC counterparties and major Independent Systems Operators
- Compile and ensure accuracy of external and internal reporting, metrics, and disclosures
- Provide support to the company’s liquidity analysis and collateral management processes
- Prepare required materials and reports in support of credit portfolio reporting, liquidity analysis, collateral management, and margining responsibilities
- Maintain Risk data, system, and reporting integrity
- Participate in meetings with senior management on credit, collateral, and margining related projects
- Support Credit leadership in managing counterparty/customer limits and exposure monitoring to maintain compliance with credit policy and specific counterparty credit terms (including margining requirements)
- Provide Credit Workout with early warning of potential high risk counterparties / customers, and assist in risk mitigation activities
- Ensure accuracy of external and internal reporting and disclosures
- Ensure that the company’s credit and collection policies, practices and procedures are applied to daily activities at all levels
- Work closely with Compliance and Legal on all strategy remediation’s
- Create a collection of an account portfolio that consists of smaller agencies and advertisers
- Follow up with the sales teams and the agencies regarding discrepancy resolution
- Forward invoice copies revised and unrevised to the sales teams and the agencies as required
- Research and resolve any unapplied cash on the portfolio of accounts
Education
Professional Skills
- Strong set of interpersonal skills and the ability to effectively communicate in a clear and concise manner
- Strong accounting knowledge and financial analysis skills
- Customer service focused with excellent interpersonal skills required
- Strong problem-solving, verbal and written communication skills
- Strong analytical, credit and technical skills
- Developed influencing and negotiation skills
- Computer skills, including proficiency with spreadsheets, are required
How to write Analyst, Credit Resume
Analyst, Credit role is responsible for credit, customer, interpersonal, financial, analysis, accounting, analytical, reporting, retail, finance.
To write great resume for analyst, credit job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Analyst, Credit Resume
The section contact information is important in your analyst, credit 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, Credit Resume
The section work experience is an essential part of your analyst, credit 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, credit 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, credit position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Analyst, Credit resume experience can include:
- Strong interpersonal skills are needed to resolve various issues and customer escalations
- Operate in fast paced environment with changing priorities
- Use both verbal and written communication skills to articulate PCR Override decisions and credit processes to various levels of sales leadership
- Sales skills necessary to develop and maintain productive dealer relationships
- Manufacturing sector experience
- Solid understanding of consumer credit, loss drivers, and profit and loss dynamics as it relates to investment products
Education on an Analyst, Credit Resume
Make sure to make education a priority on your analyst, credit resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your analyst, credit 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, Credit Resume
When listing skills on your analyst, credit 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, credit skills:
- Effective oral and written and verbal communication skills
- Effectively present information to top management and public groups
- Demonstrated customer focus with an understanding of collections, customer disputes, business risk & working capital management
- Experience is required, in data analysis utilising a standard statistical package such as SAS
- Experience in SAS Advanced Programming for statistical analysis and manipulation of very large data sets
- Experience within in a credit environment in a leading financial institution
List of Typical Experience For an Analyst, Credit Resume
Experience For Analyst, Credit & Collections Resume
- Experience in one or more of the following RDBM systems (Oracle, SQL Server, Postrgres, Netezza)
- Maintaining customer financial and credit data
- Solving disputed items and resolution of blocked orders
- Establish new Letters of Credit and manage the ongoing recordkeeping of LCs, and assist with the process of calling LCs
- Assist other team members in preparing credit reviews for large multinational customers interacting across business segments
Experience For Interim Analyst Credit & Collections Resume
- Perform daily margining and reconciliation activities for our counterparties
- Coordinate with the Credit and Treasury teams on counterparty collateral including cash, letters of credit and parental guarantees
- Prepare daily, monthly, and ad hoc reports in support of margining and counterparty related activities
- Adapt to various work situations and be flexible in the approach to resolving challenges
- Understand and apply client Billing processes, policies, procedures and internal control standards
- DCS in accounting or a related field of study
- Support the coordination, maintenance, and implementation of improved reporting and functionality of Credit Risk systems
- Perform credit reviews for new/existing customers in accordance with Credit Policy
Experience For Analyst Credit AAM Resume
- Approve credit limits based on delegation of authority, which is based on internal risk rating
- Perform credit reviews for new / existing standalone customers in accordance with Credit Policy
- Contribute information to the reporting process for the overall corporate risk function
- Perform customer review and analysis to focus on portfolio performance and ongoing risk strategy
- Under general direction, responsible for the investigation and analysis of credit risks working within guidelines established by the organization
Experience For Analyst, Credit Risk Resume
- Analyzes specific market segments such as Auto, MBE, 3rd parties, State Agencies, etc. to recommend bad debt reserve requirements for quarterly reporting
- Prepare thorough cash flow analysis and financial trending for accounts within the portfolio
- Assess bank and related debt levels and determine the ability for a company to service the existing debt
- Collections of an account portfolio that consist of smaller agencies and advertisers as well as the Direct Response agencies
- Decision credit applications of business clients applying for TMUS service and handsets. This includes analysis of applicant’s credit information and business financial statements and/or tax returns
- Monitor applicant’s creditworthiness, using periodical information of their financial status and industrial environment. Provide ongoing credit monitoring
Experience For Analyst, Credit Risk Mgmt Resume
- Proven ability to negotiate and receive sufficient information from accounts to aid in the credit extension process. Authorized to present most alternatives directly to the customer with limited supervisory review
- Independently recognizes high risk situations and brings them to the appropriate level of management for review without specific guidelines. Takes appropriate actions to protect Interline’ s interests
- Strong communication skills: ability to speak and write effectively as well as communicate well with the department’s analysts and business partners
- Experience of working in finance especially Credit Risk Review
- Participating in ad hoc projects and presentations
- Minimize credit losses, contribute to company profitability, strengthen customer stability
- Works directly with management to evaluate risk and establish credit for a series of specialized accounts such as: Job Accounts, Vendor Managed, Consignment, Rehabs, National Accounts, etc
Experience For Credit Analyst / Credit Specialist Resume
- Assist the Credit Portfolio Management team to deliver a high level of client service
- Cash application and reconciliation for 3rd party and intercompany customers’ payments
- Manage the firm’s credit risk of client’s cash management activities through product review and client activity and client risk profile analysis
- Financial Risk Management
- Knowledge of quantitative analytics and statistical modeling, including the capability to present complex analysis in clear, concise written and oral form research
- Experience in Web development technologies (JavaScript , CSS, HTML), data mining and analytics (Analytics platforms: Python, SQL, Matlab, R, Mathematica, data visualizations, machine learning), and Application development technologies (Visual Basic, C# (or other .NET), C.C++, Python)
Experience For Risk Analyst Credit Risk Controls Resume
- Critical Thinking Skills. It is important to be able to think critically about the information being presented; to understand the context; and to be able to tell the story in the data
- Curiosity / Data Exploration. Undirected data mining plays an important part in data analytics. Curiosity, creativity and skepticism make for a good analyst who enjoys delving into the information, wanting to learn more about the data
- Performs monthly reserve forecasting with direction and support of RSA’s CFO
- Post refunds and recoupment’s
- Assess and analyze the credit worthiness of high risk customers and monitor current and potential exposures
- Recommend credit terms and conditions within customer and commodity contracts
- Compile and maintain internal and external reports/metrics presented to senior management and key stakeholders
- Project management responsibilities including supporting the coordination, maintenance, and implementation of improved reporting and functionality in credit/collateral systems and reports
Experience For Analyst, Credit Rsk Resume
- Assess and analyze the credit worthiness of existing and potential customers and monitor current and potential exposures
- Provide liquidity and collateral analysis support
- Coordinate with the margining and treasury teams on counterpart collateral including cash, letters of credit and parental guarantees. Also coordinates effectively with Receivables team to monitor aged receivables to ensure timely collection
- Make an effective credit decisions and reduce company risk
- Investigate and appraise, using analysis of up-to-date financial and other data, customers’ present and continuing ability to meet their obligations within their line of credit and within specified terms of sale
- Join the business units to visit customer sites to investigate customers’ business reliability, recognize the true customers’ financial status, business trends and required consumption volume to identify the appropriate credit line and ensure customers’ understanding on credit process and scope of services provided by C&RM
Experience For Analyst Credit Resume
- Complete the credit evaluation and approve the credit lines and terms within delegated authorities or if necessary, make recommendation as to security requirements or alternative credit lines and/or terms for the customers
- Good analytical skills in both quantitative and qualitative areas
- Prioritize tasks and adhere to deadlines
- Conduct annual review of credit lines and provide review results together with recommended mitigations to remedy the credit risks to business units
- Maintain and monitor the credit lines and terms in company systems to ensure that customers operate within the credit approved conditions and take appropriate actions to safeguard Chevron’s assets and in lined with Credit Policies and Procedures
- Fluency in English communication (speaking, reading, listening and writing), with TOEIC assessment score at least 650
- Work with all levels including the management in various functions
- Provide timely and accurate credit reports to business units
- Review overdue report and responses from business units to identify problem accounts for credit actions to safeguard Chevron’s assets
Experience For Analyst, Credit / Collection Resume
- Prepare and review credit metrics and credit reports on a timely basis so that adverse trends can be readily detected and corrective action taken
- Communicate Credit Policies and Procedures to business units involved in the release and/or sale of product on credit to adhere to the policy
- Perform SOX walk through process with related parties involved in the sales order management processes
- Review and create process improvements to be in lined with Credit Policies and Procedures
- Assist and participate in ad-hoc work requests and special projects and reviews, investigation of credit watch, audit reviews and action follow-ups including other jobs as assigned by Credit Manager
List of Typical Skills For an Analyst, Credit Resume
Skills For Analyst, Credit & Collections Resume
- Demonstrated proficiency with Microsoft Office (Word, Excel, PowerPoint, Access software) required
- Experience in Private Label Credit and or Dual Card Business
- Prioritize work in accordance with policy and severity of service impact to minimize negative impacts
- Working knowledge of all applicable lending laws including ECOA, UDAAP and Truth in Lending Laws
- Monitoring customer accounts and maintaining customer financial and credit data
Skills For Interim Analyst Credit & Collections Resume
- Following up on open items, solving of disputed items and resolution of blocked orders
- Working knowledge of consumer credit, including knowledge of credit laws and regulations
- Working knowledge of credit documents including security documentation such as personal guarantees and crop insurance assignments is considered an asset
- Networking with key stakeholders
- Developing complex predictive financial and analytical models
Skills For Analyst Credit AAM Resume
- Responsible for answering financial questions and requests from internal business units including analyzing the financial strength of existing customers
- Team player – is supportive of others, committed to making a success of the team and the function and always encourages collaborative working
- Develop and maintain expertise in accounting and/or reporting and cross-train in other functions to provide back-up
- Highly motivated and comfortable working in cross-functional teams interacting with multiple levels of management
- Periodic reporting for payment discrepancies to facilitate resolution and accounting treatment
- Periodic reporting to business management of key performance indicators, trends & underlying causes
- Perform onsite auditing of healthcare providers’ accounting records to identify and recover over payments made by client
Skills For Analyst, Credit Risk Resume
- Assist with testing and monitoring changes to commercial credit policy
- Perform credit services analysis including monitoring of DNBi for changes in financial stability and ad hoc requests for credit reviews
- In-house Learning and Development
- Utilize numerous sources in order to provide input files to the Management Reporting Group for eventual publication in the Supplementary Information Package
- Establish appropriate credit limits; managing credit holds & order releases as appropriate
Skills For Analyst, Credit Risk Mgmt Resume
- Profile customers to ensure our billing process is consistent with their payment process
- Make Customer calls to proactively assist in paying invoices as necessary
- Works with sales and customers to approve or reject orders within specific dollar limits for shipment based on analysis results, including payment history
- Assist with monthly reporting on commercial applications and account origination
- Capture automotive finance contracts that meet JM Family and SETF’s profitability criteria for pricing and performance
- Research account discrepancies and prepare/request account adjustments according to established PHSS/FMPP procedures
- Review status of all delinquent ARC PHSS receivables and provide management with reports detailing performance and changes in status
- Handle inquiries from customers and business unit staff concerning collection issues
- Provide data to business units and management as needed including historical payment information, trends, etc
Skills For Credit Analyst / Credit Specialist Resume
- Incisive analytical ability to resolve and minimise credit and legal risk issues
- Takes ownership of problems
- Produces high quality outputs and takes pride in level of quality
- Proficient with SAP or similar ERP systems required
- Knowledge of BMO Financial Group structure and financial information systems desired
Skills For Risk Analyst Credit Risk Controls Resume
- Proactive, Independent, and Results Oriented
- Willingness to travel within designated region
- Life, short and long-term disability insurances
- Company negotiated discount programs
- Investigate and resolve all unresolved customer complaints that are escalated to for final decisioning. Provide prompt and clear feedback to the source of the complaint. This needs to be done for both new acquisitions as well as existing customer’s complaints
- Work in team environment to assist all business units are being handled according department SLA’s
- Thoroughly researchs any unauthorized short-payment by contacting Customer Service, Contracts, Chargebacks or Shipping Departments
Skills For Analyst, Credit Rsk Resume
- Review and respond to queries based on operational P&Ps and standards
- Troubleshoot and resolve most problems independently as per established guidelines and procedures
- Access confidential employee information/ data, as required
- Assists in the posting of cash receipts to customer accounts. As needed, maintains daily informational electronic files to insure assigned General Ledger accounts are appropriately balanced
- Reconciles chargebacks, rebates, returns and shelf stock credit memos issued by Impax with related customer deductions. If necessary, direct initial journal write-ups to Manager for action
- Utilizes written/email correspondence and customer websites to collect/monitor past due invoices and resolve disputes as directed by Sr. Manager or Credit Analyst III
- Support accounts receivable, credit and collection projects as requested by following the direction and guidance of Sr. Manager
- Deliver frequent, detailed lending information to support internal analysis of the bank’s credit portfolio
- Produce and file numerous returns and supporting documents to ensure bank compliance with external regulators and auditors
Skills For Analyst Credit Resume
- Utilize various information sources (hard copies, databases, and internal reports) to produce numerous reports which ultimately go to OSFI, CBA, Stats Can, Bank of Canada and external auditors throughout the reporting calendar
- Extract/transform database information on a monthly basis into concise, Excel-based reports
- Populate large sections within the bank’s externally published financial statements to accurately disclose credit data to the general public
- Using all available T&O, FSS and Partner resources, investigate and resolve or escalate issues with respect to financial data quality, unusual transactions, incomplete data, outstanding items and reconciliations
- Ensure accuracy of all customer account data, billing addresses and payment remit to locations
- Provide administration work related to collections, such as preparing statements and letters
Skills For Analyst, Credit / Collection Resume
- Basic knowledge of commercial leasing, local business law, industry, political and economic environment
- 6Support the coordination, maintenance, and implementation of improved reporting and functionality of Credit Risk systems
- Perform analysis of financial statements, investment accounts, and risk reports etc. in support of partners/clients commentary, where applicable
- Provide support to other FSS teams as defined by the Manager in order to optimize resource efficiency and balance workload across FSS
- Liaise with customers on a timely basis, execute collection activities, reconcile and track daily/monthly AR balance accounts with customer records to resolve past due items and involve/escalate to sales as needed
- Keep the C&C Manager informed of serious credit and collections problems and/or major problems in account status or payment trends
- Collaborate with various internal business functions such as Sales, Billing, Credit and Cash Application teams and external customers to resolve receivable issues
- Perform credit reviews of new and existing customers to determine their credit worthiness and recommend credit limits in accordance with company guidelines and procedures based off available financial information of the customers, trade and bank references, publications and information provided by sales for new/existing accounts
List of Typical Responsibilities For an Analyst, Credit Resume
Responsibilities For Analyst, Credit & Collections Resume
- Work effectively within the team dynamic
- Intermediate computer skills in Excel, Word, PowerPoint, Access required
- Proficient in Microsoft Office (Excel) Suite and computer skills
- 1-2 yrs industry experience with credit analysis exposure required. Similar financial analysis experience considered
- AA in Accounting, Business or a related field or equivalent combination of formal education and directly related experience is required
- Experience is required, in data analysis utilising a standard statistical
Responsibilities For Interim Analyst Credit & Collections Resume
- Experience / exposure to SAP FSCM, TM1, Hyperion, BI / BW or similar reporting tools
- Automotive credit analyst experience required
- Experience with computerized receivable systems required
- Experience (Credit /Health Sector, Pharma or Medical Devices)
- Skilled in customer service interactions
- Make strong contributions to the productivity of the team
- Progressively more responsible R&A collections or credit analysis, or similar related experience Education and Certification(s)
- Experience in Credit Risk Management, Fraud, Manual Review
Responsibilities For Analyst Credit AAM Resume
- Related analytical experience required
- Previous credit experience is an asset
- Previous experience in automated credit environment is considered an asset
- Casino Credit experience
- Work experience in credit/analysis of financial statements in BPO industry is desired
- Provides ongoing credit training and education on a day-to-day basis for location personnel
Responsibilities For Analyst, Credit Risk Resume
- Order review including credit limit and past due status to make decisions within level of authority
- Establishes credit limits for new and existing customers based on metrics
- Communicate “business decisions” related to risk while managing to tolerances
- Receives executed leases, checks completeness and accuracy, submits completed leases for funding, and completes system entries
- Proficient in MS Office Programs and SAP system
Responsibilities For Analyst, Credit Risk Mgmt Resume
- Balance risks and business requirements
- Work with the minimal supervision
- Be flexible to work sometimes at night/weekend
- Makes independent credit decisions or provides trusted critical assessments to minimize bad debt and maximize sales revenue for customers whose business creates significant financial returns to Tech Data Initiates collection activity on assigned accounts
- The ability and responsibility to negotiate payment terms that maximize accounts receivable turns within R&A, or make recommendations for collection to management
- As assigned Works with sales and customers to approve or reject orders within specific dollar limits for shipment based on analysis results, including payment history
- Evaluates and presents recommendations to management for large orders and credit limit requests in excess of assigned R & A Investigates and resolves credit disputes with sales and customer service staff Manage disputes (Charge Back Discrepancy Documentation - CBDD) so they are closed within 30 days
- Maintains and updates records of all delinquent accounts and incomplete information Job Level Specifications: Knowledge of collection rules and regulations, and credit decision-making Knowledge of commercial credit analysis and/or secured lending
Responsibilities For Credit Analyst / Credit Specialist Resume
- Strong credit and analytical skills to analyze various financial data and make critical credit decisions Highly developed negotiation and customer service skills Knowledge of accounting and accounts receivable processes
- Strong verbal and written communication skills and ability to work effectively with a diverse group of customers
- Independent financial statement analysis skills and experience required
- Experience with Oracle (or other ERP platform) Accounts Receivable; Oracle Advanced Collections (or other Collections tool)
- Analyze/monitor client A/R account balances for past due
- Make client contacts as per collections strategy (e.g. comfort calls, e-mails, follow-ups)
Responsibilities For Risk Analyst Credit Risk Controls Resume
- Utilize collections tools and workflow to manage contacts
- Escalate collection issues to field finance managers and business as needed
- Successfully handle most non-routine issues, and escalate to management issues that cannot be resolved
- Plan and organize work so that Service Level Agreement objectives are realized
- Contribute ideas and actions towards the continuous improvement of processes within area of influence
- Manage the collection of accounts in an assigned portfolio to ensure compliance with payment terms and credit limits
- Make recommendations to management for approvals above delegated authority limits
- Utilize credit risk models to interpret financial risk and assign internal risk ratings
- Monitor and approve spot transactions
Responsibilities For Analyst, Credit Rsk Resume
- Frequent interaction with internal and external clients
- Support SOX, Audit and Compliance as required
- Assist with the credit approval process for potential clients
- Research credit applications by gathering credit references, Dun & Bradstreet reports, and other available credit reports. Make independent decisions regarding credit limits and funding process
- Completes financial reviews that involve a complete credit and risk analysis, including gathering, analyzing, and interpreting all types of credit and risk information on existing clients
- Resolves complex credit problems independently and extends credit limits
- Develops and maintains sound relationships with credit agencies
- Analyzes and trends financial performance year over year to predict potential defaults
- Manages a “watch list” of delinquent accounts with weak financial picture
Responsibilities For Analyst Credit Resume
- Visits customers on an as needed basis and have the ability to interact to the CFO level
- Provide high level financial reviews of major customers, expense / supply vendors, MSC partners, customer prospects, and affiliates with credit exposure greater than $250K
- Reviews customer credit status utilizing the on line services provided by Dunn and Bradstreet or Experian as well as customer information including trade and bank references
- Creates analytical reports on request by management to support credit line extensions
- Researches miss-applied payments, short paid invoices, credits taken twice and completes adjustment forms for sales tax, freight and sales
Responsibilities For Analyst, Credit / Collection Resume
- Review country risk/political reports to identify areas of concern for our international customers
- Provide recommendations for terms of sale related to financially distressed companies
- Understand various tools for mitigating risk i.e. letters of credit, UCC’s, reserve methodology and guarantee’s (personal and corporate) Utilize such tools when needed
- Review contract language and interact with legal team to provide recommendations
- Train Analysts on financial analysis and credit risk management
- Lead a coordinated collection effort with Sales & Customer Service to manage exposure for an assigned portfolio
- Work with the Credit Team and business management to complete & document account assessments / reviews within established guidelines
- Maintain the integrity of Customer master data
- Systematic review of the account base assigned to determine reasons for non/slow payment