Commercial Credit Analyst Resume Sample
Work Experience
- Responsible for complex loans/industries/Customers
- Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition
- Supports the lending function by providing analytical support
- Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
- Prepares complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
- Maintains credit files, monitors data such as updated financial statements and prepares updated analysis memos
- Monitors compliance with regulatory requirements
- Work collaboratively with the wider team
- Focus on the end user at all times: HSBC customer, internal or external
- Own and resolve issues with all stakeholders or customers and escalate where appropriate
- Focus on the end user at all times: HSBC customers (internal or external)
- Deal effectively and efficiently with external Suppliers, as required
- Fully understand the media policy and how this applies to the role
- Always Exceed Customer Expectations
- Underwrites the most complex commercial loan requests and/or Small Business Administration (SBA) loan requests
- Identifies risks related to borrower operations, industry/sector, collateral, etc. and recommends appropriate loan grades to the most complex credit requests independently based on analysis performed
- Ensures that corporate credit policies and procedures are maintained in compliance with all established and published commercial banking policies/guidelines and regulatory statutes
- Discusses loan structure with Relationship Manager and borrower to minimize bank's risk
- Prepares annual reviews for commercial loan relationships and assists the Relationship Managers in monitoring ongoing financial covenant and/or borrowing base compliance and communicates any compliance violations to respective Relationship Manager and Market Credit Officer
- Inputs financial and tax data on loan origination software/spreadsheets
- Monitors current accounts, watching for any developing problems and keeps Relationship Managers informed
- Assists Relationship Managers with proper pricing of loans to ensure profitability of borrower relationship
- Provides guidance and technical support to Credit Analysts
- Complies with bank procedures and follows operational and security guidelines
- Assists in maintaining loan files and creates specialized ad-hoc reports as requested
- Assists in the review of loan portfolios of potential acquisitions when requested
- Thorough knowledge of banking, including an understanding of commercial lending and credit and appropriate banking laws, regulations and bank policies and procedures
Education
Professional Skills
- Strong clerical skills; organizational skills, attention to detail, spelling, grammatical and proofreading abilities
- Excellent analytical abilities and decision making skills
- Commercial loan experience or general banking experience with preference for credit analysis experience
- Developed computer skills, including proficiency in word processing and spreadsheet software
- Solid written and verbal communication skills, including technical writing and ability to communicate with external clients and internal employees
- Negotiation and Probing Skills
- Computer skills including Microsoft Office software applications (Word, Excel, PowerPoint, Outlook)
How to write Commercial Credit Analyst Resume
Commercial Credit Analyst role is responsible for credit, software, analytical, microsoft, organizational, training, computer, reporting, retail, finance.
To write great resume for commercial credit analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Commercial Credit Analyst Resume
The section contact information is important in your commercial credit 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 Commercial Credit Analyst Resume
The section work experience is an essential part of your commercial credit 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 commercial credit 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 commercial credit analyst position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Commercial Credit Analyst resume experience can include:
- Strong analytical and quantitative analysis skills, problem solving and organizational skills
- Work on different projects at once and prioritize projects effectively
- Excellent time management, written, and verbal skills required
- Good math/analytical skills required
- Excellent financial analysis, time management, written, and verbal skills required
- Strong organizational, math and analytical skills required
Education on a Commercial Credit Analyst Resume
Make sure to make education a priority on your commercial credit analyst resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your commercial credit 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 Commercial Credit Analyst Resume
When listing skills on your commercial credit 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 commercial credit analyst skills:
- Build good working relationships with other areas and interact effectively with a variety of departments
- Good organizational, clerical, numeric, oral and written language skills
- Effectively communicate with underwriters and lending officers regarding the analysis of the financial metrics of existing and prospective clients
- Prior work experience in financial services industry
- Experience with spreading financials, calculating AR based borrowing bases, and testing financial covenants
- Conduct extensive credit analyses on existing and prospective customers prior to making or recommending a credit decision
List of Typical Experience For a Commercial Credit Analyst Resume
Experience For Senior Commercial Credit Analyst Resume
- Input financial information into the financial spreading software and the Bank’s standard analysis tools to analyze the relevant financial metrics of existing and prospective clients
- Strong written and oral communication skills, professionalism in dealing with all co-workers and customers
- Be able to effectively disseminate decisions to a variety of people, either orally or in print
- Experience within the commercial credit and or Banking/Financial Services industry
- Commercial mortgage credit analysis experience
- Testing of financial covenants for compliance as dictated by the customer’s underlying loan documents
- Inputting financial statements of borrowers into financial spreading tools
- Draft and prepare underwriting analysis and credit offering memorandums (COM’s) based on financial statement trends and credit ratios
Experience For Commercial Credit Analyst and Resume
- Participate in deal discussions both formally and informally to ensure early and ongoing dialogue to resolve issues and to keep the process moving efficiently
- Thorough understanding of financial accounting and analysis of commercial loan packages
- Look at financial information or create financial analysis and be able to know what the meaning of the analysis for each particular client
- Work with financial spreading software and other software like Microsoft Excel and other financial software used to analyze numerical data
- Shares responsibility with Relationship Managers and Underwriters to identify factors that would change the Borrower’s Asset Quality Rating
- Conducts financial statement analysis and lines of credit proposals for new and existing commercial customers
Experience For Commercial Credit Analyst, Manhattan Resume
- Assists with the maintenance of the financial statement tracking system for timely receipt of financial information
- Approves new processing outlets and occasionally resolves operational issues with accounts
- Works with internal and external auditors to ensure the highest level of compliance for all underwriting procedures
- Advises on contract terms during negotiations with carriers and external Counsel
- Provides thorough documentation of all financial analysis with via spreadsheets and written credit offering memorandums
- Suggests a loan grade after conducting a thorough credit analysis and documentation review
Experience For Commercial Credit Analyst, CPF Resume
- Support and training to assist team development as required
- Reviews and reports non-compliance with loan covenants. Determines cash flow using appropriate tax analysis
- "Finance and Accounting
- Understands basic financial and accounting concepts and terminology
- Service Orientation – Actively looking for ways to help people
- Works directly with Finance and Accounting teams and other operational groups
- High level understanding of Financial assets and loans
- Pay great attention to detail
Experience For Corporate Commercial Credit Analyst Resume
- Understand the ins and outs of a wide variety of industries is important
- Thorough knowledge of loan documentation requirements
- Understand and consistently apply credit policy
- Act as central point for logging in all financial statement submissions and financial covenant updates, as well as creating covenant maturity reports for Management and Relationship Officers/Underwriters
- Audit new and renewed credit facility covenants, ensuring that credit approval, loan documents and covenant tracking system align. Additionally, monitor closed loans, and inactivating covenants as appropriate
Experience For Commercial Credit Analyst South Central Region Resume
- Assist Relationship Managers/Underwriters with covenant tests and auditing Asset Based Lines of Credit Borrowing Base Certificates and related financial statements
- Spread business and personal financial statements and tax returns on various spreading systems
- Obtain business and personal credit reports, as well as other market research data, collateral reports and business formation data for department as needed for underwriting credit requests
- Assists Relationship Managers/Underwriters with financial statement request letters and other correspondence, including standard default letters for covenant violations
- Assist Relationship Manager/Underwriter with lesser complexity loan modifications and Loan Presentations as needed
- Underwrite new and renewed ACH facilities as well as Remote Deposit Capture facilities
Experience For CCB Risk-commercial Credit Analyst Resume
- Read and interpret a variety of financial statements
- Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses as pertaining to borrower’s historical operating performance
- Prepares written analyses which include
- Credit investigation of the borrower and guarantors
- In-depth historical financial analysis, including communicating with the borrower’s accountant to gain a better understanding of the company’s accounting practices
Experience For Cred Commercial Credit Analyst Resume
- Identifies borrower's strengths and weaknesses
- Prices risk level based on assessment and negotiates interest rate with dealers
- Develops and maintains positive business relationships with dealers
- Provides customer service on commercial credit questions regarding credit policy, equipment financing, bailment, TRAC leasing, municipal financing and lines of credit for the dealer's applicants
- Commercial lending experience in a Financial Environment, preferably automotive or forklift
- Prices risk level based on assessment and negotiates interest rate and advances with dealers
- Spread financial statements, tax returns, and other credit information into Moody’s Risk Analyst System
Experience For Commercial Credit Analyst Ii Rjb Resume
- Develop and implement a set of time series analysis to identify changes in conditions as related to the borrowers’ financial condition, changes in liquidity and/or capital structure, and compliance with lending covenants
- Performs financial statement analysis for existing and potential borrowers
- Conducts in-depth analysis of financial, environmental, and collateral data
- Provide written analysis, which includes ratio and industry study, cash flow analysis, trend analysis, and collateral valuation
- Provide timely support to Loan Officers, Portfolio Managers and Workout Officers
- Compile financial information and prepare an analysis to make credit decisions
- Read and interpret Business and Personal Financial Statements
- Direct contact with the client to ensure loan requirements are met and their interests are protected
Experience For Commercial Credit Analyst Manager Resume
- Assist offshore support team in performing compliance functions which include spreading financials, calculating AR and inventory based borrowing bases, and testing financial covenants
- Participate in personal training via web-casts or attend classes to enhance credit knowledge and technological skills
- Identify and implement continuous improvements to improve efficiency, quality and customer and broker experience
- Finance industry experience in commercial loan analysis
- Strong commercial finance broker and customer service focus
- Provide management with monthly deal review tracking broken out by lender in an Excel document
List of Typical Skills For a Commercial Credit Analyst Resume
Skills For Senior Commercial Credit Analyst Resume
- Strong teamwork skills and ability to interact effectively with all levels of staff
- Strong written and personal oral communication skills
- Professional written and communication skills required
- Proficiency in MS Office applications, as well as other computer skills required
- Examining financial statements for validity and general correctness
Skills For Commercial Credit Analyst and Resume
- Experience with "soft asset" financing/leasing
- Commercial Lending Experience working for a bank or captive finance company
- Related experience in finance, banking, accounting, or other business field required
- Conduct extensive analyses of higher risk accounts prior to taking or recommending corrective action
Skills For Commercial Credit Analyst, Manhattan Resume
- Portfolio review / underwriting on existing corporate liability and high line credit requests, with a strong focus on credit quality
- Relevant experience in commercial credit analysis or finance/accounting
- Determine customer’s HPFS account status (new or existing account, payment experience, current exposure)
- Credit experience, preferably in banking
- Experience in commercial lending (i.e. portfolio management, risk analysis, financial analysis)
- Experience working directly with an offshore team
Skills For Commercial Credit Analyst, CPF Resume
- Experience with Moody’s RiskAnalyst or comparable financial statement spreading tools
- Seven or more years of related experience in commercial credit and risk analysis, including
- Credit underwriting experience
- Demonstrated ability to make sound business judgments while protecting the interests of the bank
- Related experience in Commercial credit within power sports, automotive, or banking industries
- Experience with preparation of financial projections, spreading financial statements and preparation of written analysis reports
- Commercial credit analysis and systems related experience
- Previous experience with troubled asset evaluation and resolution
- Excellent command of English and Cantonese
Skills For Corporate Commercial Credit Analyst Resume
- Entry level to One year work experience in a financial institution or industry
- Experience in commercial credit analysis
- Detail oriented with demonstrated ability to analyze cash flow, leverage and gauge customer strength
- Develops strong working relationships with the CAM’s and GRM to optimize overall processing time
- Thorough understanding of Excel and a demonstrated ability to work cooperatively with team members
Skills For Commercial Credit Analyst South Central Region Resume
- Commercial credit experience required
- Acting as liaison to the Bank's Lending Officers in working with new and existing client base
- Instructing – Teaching others how to do something
- Gathering all necessary data elements including financial statements, business plan, and proposed deal structure
- Performing underwriting related to renewals and new loan originations and due diligence
- Preparing pro forma financial statements, analyzing borrower credit quality and collateral quality
Skills For CCB Risk-commercial Credit Analyst Resume
- Managing a $50 million portfolio of existing commercial real estate and C&I loans
- Maintain control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed
- Assist the team in monitoring timely risk grading, loan covenant tracking and other servicing;"
- Provides customer service on commercial credit questions regarding credit policy, equipment financing, TRAC leasing, municipal financing and lines of credit
- Maintains control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed
- Assist lending officers in assembling other essential components of commercial loan monitoring and review
- Prepares and conducts Credit Approval Presentations (“CAPs”) including summarizing and reporting trends and presentation to Bank’s Credit Committees
Skills For Cred Commercial Credit Analyst Resume
- Work directly with sales and credit personnel in generating approval documents while also helping to protect the quality of the Bank's loan portfolio
- Classify customer credit risk and assigning a risk rating
- Extensive knowledge of lending policies and procedures, loan structuring, and financial analysis
- Evaluate, analyze and form opinions for the approving and denying of commercial loan applications per bank policy and business unit standards
- Assist in managing/monitoring the portfolio
- Update company records, logs, reports, and internal control systems with information gathered during the underwriting review process
- Industry Leader: Consistently outperforming peer banks, ranking #1 across the key financial measures for banks of ROA, ROE, and Efficiency Ratio
- Provides research into industry trends and evaluation of market data impacting prospective or existing clients’ business
Skills For Commercial Credit Analyst Ii Rjb Resume
- Basic understanding of banking regulations
- Assists credit supervisor with coaching and constructive feedback opportunities and assists credit analysts when making credit decisions
- Flexible; ability to adapt to a changing environment
- Cash flow modeling and/or financial (tax return) analysis
- Preparation or review ability of documents and reports using Microsoft Office based products
- Prepares summaries, presents facts, and offers opinions concerning credit-worthiness and any risk items or issues
- Conducts credit investigations and analyzes credit information pertaining to loans
- Gathers and analyzes all financial and business information to determine credit worthiness for loans, including the identification of risk or strengths
- Conduct credit investigations and analyze credit information pertaining to loans
Skills For Commercial Credit Analyst Manager Resume
- Prepare summaries, present facts, and offer opinions concerning credit-worthiness
- Ensure that all credit files include proper documentation including current financial statements, agency reports, etc
- Reputation: #1 Most Admired Superregional Bank five years running (Fortune, March 2015)
- Understand and follow credit policy and procedure and work with other departments to improve understanding and compliance
- Commercial underwriting expereince
List of Typical Responsibilities For a Commercial Credit Analyst Resume
Responsibilities For Senior Commercial Credit Analyst Resume
- SME for onboarding system access for new hires and ongoing support for accuracy of application access for both DE and AZ CL NAL/CLI teams
- Flexibility in adapting to changing volumes and areas of focus
- Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis
- Provide coaching and feedback directly to specific lender for each request
- Complete financial statement spreads and projections using the Moody’s Risk Analyst and Combined Financial Analysis tools
- Researches and analyzes pertinent financial information for existing and potential commercial and consumer clients
Responsibilities For Commercial Credit Analyst and Resume
- Analysis of new and existing customer commercial loan applications in line with bank policy
- Timely and professional response to all incoming emails, and telephone calls
- Determine cash flow using appropriate tax analysis
- Work with client and offshore team to resolve escalations, clarifications, and variances
- Identify and research non-compliance issues and report the status of the portfolio to the client
- Promote data integrity, quality processes, and exceptional client relationships
Responsibilities For Commercial Credit Analyst, Manhattan Resume
- Adhere to rigorous timelines and quality indicators
- Deal reviews of both New Acquisitions and CLI requests with business exposure <$150M
- Portfolio management responsibilities include proactive identification of credit trends and weaknesses, completion of periodic and annual credit reviews, and initiating collections activity, in connection with overall commercial relationship management
- Performs the most complex credit and risk reviews, with analysis of large consumer or commercial accounts and/or portfolios of accounts to make the final lending decisions to approve or deny the extension of credit and risk or determine potential credit quality and risk issues
- Conducts a complete credit and risk analysis, including gathering, analyzing, and interpreting all types of credit and risk information on existing and prospective customers
- Performs economic and industry analyses, financial projections, and risk assessments, and based on those analyses, provides expert advice and makes recommendations to management concerning how to preserve credit and risk quality and minimize risk and potential loss to the company
- Advises the person(s) responsible for making the final lending decision on new credit, after analyzing and evaluating the customer’s needs and circumstances, and recommends that the credit be approved or denied
- Underwrites new business and screens new prospects to determine the suitability for the portfolio and the appropriate credit and risk recommendations are made to sales staff
- Performs daily approval of processing payments to airlines and ensures the risk data that airlines require are sent to them on a timely basis
Responsibilities For Commercial Credit Analyst, CPF Resume
- Participates in quarterly compliance reviews and yearly audits
- Interacts with airlines regularly on a worldwide basis related to various customer issues; and
- Analyzes financial statements and related material. Analyzes financial conditions and trends. Reviews and reports non-compliance with loan covenants
- Assists in department objectives by determining to extend credit to commercial borrowers. In addition, provides analysis and recommendation to conduct business with specific participation banks and vendors
- Conduct financial analysis on automotive dealership financial statements and supporting documentation, including data obtained from both internal and external sources
- Produce formalized proposals for management summarizing the analysis and including recommendations for credit extension
- Complete administrative reviews of UCC filings, insurance, licensing and other related items to document company compliance and ensure that guidelines are met
- Interface and communicate with automotive dealership personnel and stakeholders to obtain all information required
Responsibilities For Corporate Commercial Credit Analyst Resume
- Ensure compliance with company policies, procedures and external regulations
- Supports Commercial Lenders, Private Bankers, Branch Managers and Senior Bank Management through financial/credit analysis, ratio calculation and other requested underwriting support
- Assists in developing forms and processes as necessary
- Research and analyze pertinent information for existing and potential commercial and consumer clients
- Combined multiple Personal Cash Flows
Responsibilities For Commercial Credit Analyst South Central Region Resume
- Combined multiple business spreads
- Builder Cash Flow Model
- Prepares business spreads based on tax returns and/or business financial statements. Documents business trends that would have an affect on the Member’s ability to service the proposed or current debt obligation
- Obtains credit bureau reports (Experian, D&B, retail credit) for the review of personal payment history and prepares business and global cash flows
- Provide support to Commercial Lenders, Private Bankers, Branch Managers and Senior Bank Management through financial/credit analysis, ratio calculation
- Spread, analyze and prepare financial analysis on all sizes and types of borrowing entities including Non-Profit Organizations, Corporations, S Corporations, Limited Liability Companies, Partnerships, and Sole Proprietorships
Responsibilities For CCB Risk-commercial Credit Analyst Resume
- Evaluate a company’s stability, aptitude of management and creditworthiness by analyzing the company’s balance sheet, income statement, tax returns validating any assumptions, projects, and overall company viability and ability to repay the credit request
- Prepares all Credit Analysis Products including, but not limited to
- Analyzes data (i.e. financial statements, agency reports) on prospective and active borrowing accounts and prepares written reports evaluating the short and long-term prospects of the individual or company
- Makes recommendations to Loan Officers on the granting or denying of loans and prepares sufficient information (i.e. loan submissions) to document recommendations
- Identify and interpret trends in financial data. Interpret key financial ratios (e.g. cash flow to debt service, debt-to-equity, etc.)
- Coordinates specific work tasks within the department in order to ensure the smooth and efficient flow of information
- Performs annual review of loan relationships
Responsibilities For Cred Commercial Credit Analyst Resume
- Thoroughly analyze complex credits on an independent basis
- Effectively work with Commercial Lenders, Capital Market Officers, Relationship Managers, and other Bank Employees in a team environment to achieve the Bank's goals
- Capable of working independently and with little supervision
- Outbound calls in line with quality standards to customers, brokers and stakeholders
- Ensure all follow up is completed in a timely manner
- Work under pressure and juggle multiple transactions
Responsibilities For Commercial Credit Analyst Ii Rjb Resume
- Build and maintain relationships with customers, brokers and stakeholders
- Knowledge of commercial loan markets, credit and regulatory requirements
- Conducts commercial credit investigations and analyzes credit information pertaining to loans Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches
- Analyzes financial statements and related material. Analyzes financial conditions and trends
- Prepares summaries, presents facts, and offers opinions concerning commercial credit-worthiness. Provides commercial credit information and references for customers, loan officers, or other agencies as requested
Responsibilities For Commercial Credit Analyst Manager Resume
- "Financial statement analysis which includes
- Analyzes key financial and performance indicators identified in borrower financial statements
- Analyzes and interprets multi-year financial statements and highlights key changes"
- "Credit Analysis which includes
- Compare, contrast and evaluation of different benchmarks and measures of borrowers' credit risk
- Monitors and explains relevant borrowers' industry trends and their implications"
- Differentiates between audited, unaudited, adjusted, and pro-forma financial statements"
- Reviews loan documents to prepare defeasance quotes
- Relationship development with customers