Collateral Analyst Resume Sample
Althea Ryan
82717 Bahringer Burgs,
Phoenix,
AZ
+1 (555) 459 2652
Work Experience
Senior Collateral Analyst
02/2017
-
PRESENT
Chicago, IL
- Maintains protocols for segregation and tracking of pledged and unpledged loan collateral for non-investor loan files held for safekeeping in the bank’s trust vault
- Expedite the process of institutions Certificate of Deposits (CD’s) activity for the bank
- Track and receive borrower’s Borrowing Base Certificate and collateral reports as required in the Loan Agreement and bank policy
- Prepare spreads on borrower’s monthly financial statements as needed
- Analyze Borrower’s inventory assignments to identify ineligibles, note trends in inventory mix and inventory concentrations, as required by Loan Portfolio Officers. Discuss any unusual trends with Borrower and report findings to Loan Portfolio Officers
- Skills/Ability: Proficient with Microsoft Office products; good interpersonal and communication skills; ability to effectively train staff, assign responsibilities, and provide clear instructions and guidance; demonstrated ability to be accountable for the staff’s productivity, accuracy, and timeliness; detail-oriented, organized, and efficient
- Reviews, analyzes and determines the legitimacy and accuracy of customer's data
- Obtains additional information from customers and other banking departments on incomplete or unusual terms through telephone or written communications
- Reviews loan documentation, establishes and maintains customer accounts in an ABL Software System
Collateral Analyst
02/2011
-
12/2016
Detroit, MI
- Examine/reconcile data and resolve complex issues
- Advanced level mathematical skills including multi-step calculations using Microsoft Excel
- Excellent customer service skills; ability to deal with internal and external customers
- Excellent organizational and multi-tasking skills with the ability to work in a fast paced environment
- On a monthly basis, review A/R & A/P agings along with Inventory Reports submitted by Clients calculating a Borrowing Base Certificate for the accounts assigned to each analyst
- Maintain logs for the monthly reports identifying those clients who are late in the submission of the information and contacting them to cure their delinquency
- Post A/R aging spreads to the Trend Report
- Ensuring clients’ margin calculations and comparisons are performed daily, to satisfy client requirements and minimise Barclays’ risk
- Familiarity with legal documentation including PBA, ISDA CSA, GMRA, etc
Junior Collateral Analyst
01/2007
-
08/2010
San Francisco, CA
- Compares and records Financial Statement elements to the monthly/quarterly data received from the borrower
- Works with various software applications and provides written trend analysis comments
- Researches and resolves inquires and operational issues
- Processes accounts receivable and inventory collateral transactions, including loan payments and advances
- Maintains collateral and determines collateral eligibility for advances
- Reviews accounts to help detect potential fraudulent activity. Reconciles
- Demand Deposit Accounts to the collections reported by the borrower
- Advanced knowledge of Asset Based Lending, collateral processing procedures, bank operations, loan documentation and accounting processes and procedures
- Broad application of asset based lending procedures, practices and systems
Education
University of Phoenix - Colorado Campus
2002 - 2006
Bachelor's Degree in Business
Professional Skills
- Familiarity with Microsoft Office software, strong Microsoft Excel skills
- Excellent and effective oral, written and interpersonal communication skills
- Multi-task and use prioritization skills in a dynamic and fast-paced environment
- Prior structuring & collateral analysis work experience within a major investment bank, hedge fund or accounting firm
- Good organizational and multi-tasking skills with the ability to work in a fast paced environment
- Good oral and written communications and listening skills
- Good oral and written communication and listening skills
How to write Collateral Analyst Resume
Collateral Analyst role is responsible for microsoft, excel, interpersonal, mainframe, retail, finance, credit, securities, security, shipping.
To write great resume for collateral analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Collateral Analyst Resume
The section contact information is important in your collateral analyst 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 Collateral Analyst Resume
The section work experience is an essential part of your collateral analyst 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 collateral analyst responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular collateral analyst position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Collateral Analyst resume experience can include:
- Ensuring effective co-ordination of clients’ cash management requests between London, New York, and Chennai
- Experience with collateral monitoring and analysis at a retail lending institution
- Accounting or finance experience
- Experience with PC based mainframe systems, loan accounting system and Microsoft Word Products
- Previous experience in client facing roles
- Producing MIS reporting to Operations and Credit summarizing the day’s activities including volumes, fails, and outstanding calls
Education on a Collateral Analyst Resume
Make sure to make education a priority on your collateral analyst resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your collateral analyst 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 Collateral Analyst Resume
When listing skills on your collateral analyst 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 collateral analyst skills:
- Good organizational, interpersonal, communication, and customer relation skills are required to deal with clients and department personnel
- Knowledge of financial analysis skills is an asset
- Prior experience with Global One collateral system would be useful, but not essential
- Understanding of Securities Lending and/or previous experience within a collateral management role
- Experience on boarding or testing new systems
- Asset based lending or commercial banking experience
List of Typical Experience For a Collateral Analyst Resume
1
Experience For Treasury Collateral Analyst Resume
- Mitigate UBS’s counterparty risk via proactive exposure management, client/risk reporting, break resolution, and following escalation procedures
- Promptly informs lenders and clients of funding issues and assists in resolution
- Analyze and evaluate data and facts
- Analyzes transaction documents for delivery/commencement dates, driver’s licenses and state/province and equipment-specific requirements and files UCCs/PPSAs accordingly in an accurate and timely manner ensuring PMSI
- Assists R/M in monitoring on-going portfolio risk exposure by identifying and escalating suspicious/inconsistent activities, reporting exceptions, material variance, overdraft and over-advance issues
2
Experience For Collateral Analyst, Collateral Management Resume
- Throughout the Bank to summarize the findings of the field exam in a timely fashion and provide insightful recommendations to improve the Bank’s collateral position
- Reconcile Stucky loan, interest and fee calculations to Bank’s systems
- Work with Treasury Management to ensure proper setup and servicing of cash collateral, operating and lockbox accounts; monitor DDA’s for suspicious or overdraft activity
- International Swap & Derivatives Association (ISDA) documentation and CSA’s
- Oversee the daily production of the Collateral team in Montreal
- Input collateral information into the system and the analysis of such information
- Monitor the more complex and challenging portfolio accounts while also assisting/training the other collateral analyst(s) with their daily monitoring and operational activities
3
Experience For Senior Collateral Analyst Resume
- Analyze collateral and loan reporting to identify inconsistencies or unusual trends
- Monitor collateral on accounts receivable and/or inventory loans
- Assist loan officers and managers in resolution of all client issues
- Post collateral information from the customer reports to the loan system
- Ensure debtor notifications and verifications are performed in line with MBC requirements
- Ensure compliance to all credit policies and maintain accuracy in operational procedures
4
Experience For ABL Collateral Analyst Resume
- Communicate with Loan Officers and Collateral Analyst Supervisor on a frequent basis to resolve any collateral issues
- Manage requests for intraday transactions and
- Processes client funding requests, including data uploads, reviews or backup documentation, collateral verification, debtor qualifications, funding submission for approval
- Review and verify clients borrowing base reports timely, update clients borrowing availability on system as well as notifying Relationship Managers and clients of any issues
- Supports lenders and works with clients to manage day to day collateral routines including paydowns, cash collection activities, disbursements and collateral reporting
- Liaison with internal groups (Credit, Sales, Trading, Middle office, Legal, Front Office, Settlements) to resolve any issues
- Works directly with clients to resolve compliance issues and operational inquiries
- Monitors collateral status and submits management reports timely to ensure compliance with Bank regulations
5
Experience For Junior Collateral Analyst Resume
- The focus of the Collateral Management Team is to reduce credit risk through the use of collateral. The team currently supports collateral arrangements for FX & derivative products for North American-based clients and is responsible for the margin call process. Daily tasks include
- Assisting with the new client set up process. Input and maintain Collateral Agreements (new agreements, amendments, etc.) in Algo Collateral without compromising data integrity
- Liaising with Portfolio Reconciliation teams to manage any disputes
- Supporting and enhance external customer relationships.
- Resolving all issues / conflicts in a timely and customer oriented fashion
- Manage requests for intra-day transactions and
- Work under pressure in a fast paced environment.
- Communicate with Trustees, Clients and Traders
6
Experience For Repo & Securities Lending Collateral Analyst Resume
- Proficient with mathematical concepts
- Ensure accurate files are created, maintained and safeguarded for the loan documents
- Prepare discharges/releases/re-conveyances/terminations for all types of collateral pledged to the bank. This includes but is not limited to: vehicles, boats, ships, airplanes, business personal property, real estate, life insurance policies, investment property, stocks, bonds, deposit accounts and mutual funds
- Safeguard the bank's lien position in pledged collateral and mitigate any risks associated with the possible loss of collateral due to tax foreclosure or failure to maintain proper hazard insurance
- Ensure the accuracy of data input in the AFS system for proper portfolio reporting
- Serves as the first point of contact for issues related to the commercial customer's asset based line of credit
7
Experience For Mbc-collateral Analyst Senior Resume
- Reconciles loan and deposit accounts frequently and accurately. Collects and applies various fees on a regular basis
- Responsible for monitoring various reports for multiple customers including, but not limited to, borrowing base certificates, month-end recapitulations and dilution activity
- Promptly and accurately processes advances requests and payments on large commercial lines of credit
- Analyze sales, credit memos, and collection activity for unusual transactions or behavior. Performs trend analyzes sales, credit memo, and collection activity for unusual transactions or behavior
- Task orientation and ability to manage multiple priorities simultaneously
8
Experience For Financing & Collateral Analyst Resume
- Handles the most complex/sensitive accounts
- Reconciles loan and deposit accounts frequently and accurately
- Responsible for the monitoring various reports for multiple customers including, but not limited to, borrowing base certificates, month end recapitulations and dilution activity
- Analyzes sales, credit memo, and collection activity for unusual transactions or behavior
- Collects and applies various fees on a regular basis
- Update collateral daily, weekly or monthly as required
- Ensure timely and accurate collateral values for appropriate credit decision
- Perform monthly reconciliations between the bank's records and those of the clients
- Prepare list clients top ten debtors and prepare a month end package to be reviewed by Account Executives, Portfolio Managers and Operations Manager
9
Experience For Futures, Clearing & Collateral Analyst Resume
- Prepare portfolio review forms
- Possess a sense of urgency and willingness to be accountable for one’s work product
- Uses rigorous logic and methods to solve difficult problems with effective solutions, probing all fruitful sources for answers; can see hidden problems, looks beyond the obvious and doesn’t stop at the first answer
- Interact with a range of stakeholders, including counterparties, credit and front office to mitigate credit risk for the bank
- Ensure 100% compliance of established business policies and guidelines through daily review of invoices from both portfolios; this includes
- Determine, agree and book margin calls for exposures above thresholds on a daily basis
10
Experience For F&O & Cleared Swaps Collateral Analyst Resume
- Perform investigation and reconciliations to identify collateral discrepancies
- Actively manage exceptions (margin calls, cash and bond fails, reconciliations)
- Provide portfolio reconciliation and discrepancy investigation
- Learns quickly when facing new problems; is open to change; experiments, and is willing to create and try solutions; enjoys the challenge of new and unfamiliar tasks and quickly grasps the essence and the underlying structure of anything
- Intermediate English level proficiency
- Proficient in use of Radar System
List of Typical Skills For a Collateral Analyst Resume
1
Skills For Treasury Collateral Analyst Resume
- Organize workload to effectively meet deadlines for multiple deliverables across various initiatives
- Advanced written and interpersonal communication skills along with Microsoft Word
- Take responsibility for resolving customer concerns or issues quickly and effectively, using resourceful and constructive solutions to address
- Self-starter with the ability to work on their own initiative as well as being a solid team player
- Experience working within an investment operations role
- Strong understanding of OTC Derivatives and Fixed Income products
- Strong attention to detail with the ability to meet deadlines in a fast-paced, moderately stressful environment
- Experience in the liquidity and collateral management function
2
Skills For Collateral Analyst, Collateral Management Resume
- Experience with implementation of BRD / Change requests for new services / service improvements for clients and/or processes desirable
- Related work experience since graduation from an undergraduate program
- Work experience or internship in financial services
- Complete closings for new/amended credit facilities in accordance with established procedures manual and ensure all is in order prior to advancing funds
- Strong analytical and working knowledge of Microsoft Office. Ability to build Excel based solutions to improve efficiencies / controls
- Validate the receipt of complete loan documentation packages
- Pricing & cash flow modeling
3
Skills For Senior Collateral Analyst Resume
- Checking & verifying data integrity
- Optimising collateral using cheapest to deliver methodology
- Ensuring all regulatory obligations are met daily, including Variation Margin Calls for OTC Derivative clients
- Understanding of collateral management
- Understanding of regulatory environment, Dodd Frank, EMIR and UMR
- Understanding of the regulatory environment, Dodd Frank, EMIR and UMR
- Understanding of the organizational and operational functions
- Liaising with the ratings agencies to determine capital structures
- Working knowledge of Stucky Loan System
4
Skills For ABL Collateral Analyst Resume
- Ensuring all client queries are dealt with in a timely and professional manner
- Resolving Nostro breaks
- Prepare the Collateral Instruction Sheet and Client filing system for new and existing clients
- Efficient in managing the record keeping of legal documentations and various reports
- Advanced working knowledge of bank operations, loan documentation and basic accounting processes and procedures
- Reconcile borrowing base certificates daily, weekly, and/or monthly depending on client's needs
- Note any changes on the Borrowing Base Certificate and reconcile the Borrowing Base Certificate to the loan system, advise the borrower of any errors
- Prepare advance requests and, after determining availability, processing requests in accordance with approval policies
5
Skills For Junior Collateral Analyst Resume
- Tape cracking & preparing strats
- Issuance of margin calls to ensure the firm’s credit risk is mitigated, as well as agreeing and exchanging interest on pledged and held collateral
- Excel (including VBA) and other modeling tools
- Provides proactive monitoring of assigned Asset Based Lending (ABL) portfolio to ensure available collateral supports risk and loan outstandings
- Basic knowledge of collateral, cash & derivatives trading products
- Prepare discharges/releases/re-conveyances/terminations for all types of collateral pledged to the bank including but not limited to vehicles, boats, ships, airplanes, business personal property, real estate, life insurance policies, investment property, stocks, bonds, deposit accounts, mutual funds ...
- Knowledge in key areas of loan operations such as loan processing and documentation
- Work under pressure in order to meet deadlines in a constantly changing environment
- Ensure borrowing limitations are properly updated in the system of record
6
Skills For Repo & Securities Lending Collateral Analyst Resume
- Interpret trends related to sales, collateral coverage, and borrowing patterns to identify risk factors
- Prepare monthly reports for distribution and provide guidance on asset-based monitoring policies, practices and procedures to internal and external customers
- Knowledge and understanding of Stucky is an asset
- Knowledge and understanding of derivatives is required
- Verify signatures on the customer's borrowing base certificate
- Reconcile any non-cash reductions and changes in ineligibles and bringing unusual or large changes to the attention of the loan officer
- Reconcile and analyze month end reporting and data entry into the loan systems
7
Skills For Mbc-collateral Analyst Senior Resume
- Seek to proactively understand the client in order to spot early warning increased risk signals
- Visit clients to assist them in proper reporting procedures, as needed
- Track and review customer prepared borrowing base reports and obtain approval for advances requested by customers
- Analyzes and assesses collateral information to determine risk involved in lending money to customers
- Collect data from a variety of written and electronic sources, and maintain them using proprietary software tools
- Utilize Omnifile (Content Tracker) System to ensure proper tracking and location of collateral files
- Secure and Safeguard legal loan documents into designated vault for safekeeping throughout the life of the loan
- Ensure original documents are maintained in compliance with bank's Information Life Cycle policies regarding active and inactive physical records
- Actively participates in the onboarding of new customers
8
Skills For Financing & Collateral Analyst Resume
- Prepare, review, and post daily advance requests from clients, ensuring that sufficient availability exists to cover the request
- Update collateral based on weekly or monthly borrowing base certificates as required
- Review detailed aging for unusual items and calculate ineligible collateral,
- Perform customer service for portfolio of customers, answering questions, follow up on discrepancies, etc
- Familiarity with industry platforms such as Algo, Anvil, Calypso, AcadiaSoft, Wall Street
9
Skills For Futures, Clearing & Collateral Analyst Resume
- Familiarity with OTC Derivative products, FX and Prime brokerage
- A high level of proficiency, accuracy and performance in all tasks is required
- Self-motivated team player with a high level of initiative, accountability and adaptability
- Maintain excellent internal and external customer relation and services relating to collateral monitoring, issues, problems, system and other related functionality
- Knowledge of Operational functions; Settlement, Funding and Middle office groups
- Process, analyze and evaluate client’s activity
- Documents all loans to ensure perfection of the bank’s security interest in compliance with regulatory, legal and bank requirements
- Reviews documents and loans to ensure perfection of the bank’s security interest in compliance with regulatory, legal and bank requirements
- Work as part of a team and adhere to strict deadlines
10
Skills For F&O & Cleared Swaps Collateral Analyst Resume
- Proficiency with Excel, Access and other Microsoft Office applications
- Experience in middle office, trade support, or product control, ideally with over-the-counter derivatives at an investment manager, hedge fund, or investment bank
- Review and analyze collateral support documentation, including borrowing base certificates, financial statements, and receivable and payable aging
- Proficient with Excel or Access software
- Proficiency in Microsoft office applications (Excel, Word, etc.)
List of Typical Responsibilities For a Collateral Analyst Resume
1
Responsibilities For Treasury Collateral Analyst Resume
- Proficient in use of Asset Reader to convert file
- Knowledge of Python, SQL, VBA
- Proficiency in Intex, CAS and Bloomberg
- Some familiarity with financial analysis and development of spreasheets
- Identify possible risks and escalate when necessary
2
Responsibilities For Collateral Analyst, Collateral Management Resume
- Examine and reconcile data to resolve issues
- Provides responses and documentation to inquiries and ad hoc requests. Completes research. Provides feedback on workflow and work received
- Reviews transactions and related documents. Verifies work processes to ensure completeness, accuracy and conformance to established service levels and applicable policies and procedures
- Responsible for accurately processing and verifying weekly/monthly Borrowing Base information in a timely manner
- Familiarity with OTC Derivatives, Fixed Income, FX and Prime brokerage products
- Reconcile all client provided data to confirm accuracy and eligibility of assets comprising the Borrowing Base and liaise with clients to discuss variances with reported information
- Advise Account Executive of any perceived asset deterioration or reporting discrepancies
3
Responsibilities For Senior Collateral Analyst Resume
- Perform verifications of client A/R according to the prescribed schedule
- Process client advance requests and prepare advance authorization form for Account Executive approval
- Quickly and accurately analyze financial information provided by customers and understand the dynamics that can have an impact on the collateral value of assets financed by CIBC Asset-Based Lending Inc
- Ensure compliance to internal controls and procedures (e.g. program/monitor MIF, Monthly RIL) with full authority to escalate as appropriate to maintain integrity of CIBC's position
- Escalate irregularities to Senior Business Partners and/or Risk Management as appropriate to ensure timely resolution of issues and ensure customer satisfaction
4
Responsibilities For ABL Collateral Analyst Resume
- Verify that the executed Credit Agreement is in accordance with the terms authorized to ensure all due diligence and conditions precedent are met prior to advance of funds
- Review complex loan documentation to ensure compliance with authorized credit to ensure completeness of documentation and escalate errors/omissions for correction prior to funding
- Monitor ongoing risk associated with accounts through online systems (e.g. MIF)
- Review and interpret data contained in loan and approval documents to retrieve required documents from the collateral file to be used to prepare release document specific to pledging vehicles, boats, ships, airplanes, business personal property, real estate, life insurance policies, investment property, stocks, bonds, deposit accounts and mutual funds as collateral
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