Credit Analyst, Analyst Resume Sample
Jodie Hintz
407 Hintz Camp,
San Francisco,
CA
+1 (555) 305 5762
Work Experience
Middle Market Credit Analyst
01/2017
-
PRESENT
Philadelphia, PA
- Support business growth through comprehensive risk assessment of new product enhancement or offering
- Responsible for risk reporting to local regulator, regional risk, head office and other ad hoc requirements
- Develop and maintain close working relationship with all business partners and relevant stakeholders to the products
- Ensure compliance to all policies and standards and ensure full audit readiness at all times
- Participating in meetings with industry management teams
- Participating in the evaluation of other credits within Corporates, as well as other related credit groups.#LI-DG1
- Responsible for financial analysis of moderately complex loans/industries/Customer
- Works more independently but under the guidance and review of lead staff
High Yield Credit Analyst
08/2014
-
08/2016
Houston, TX
- Actively participates in the underwriting process
- Helps to prepare loan packages for approval
- Responsible for complex loans/industries/Customers
- Work closely with JPMAM’s Chinese joint venture partner CIFM in researching and analyzing credits
- Prior work experience in Hedge Fund credit risk management required
- General knowledge of equity, fixed income, and/or derivative markets and products is required
- Negotiates contracts for prospective merchants which includes working with in-house counsel, the merchant’s counsel and the merchant. Also documents legally, mergers and acquisitions, ensuring that PTI has the proper party responsible as the contract holder
Junior Credit Analyst
10/2011
-
06/2014
Houston, TX
- Good understanding of loan risk factors
- 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
- Review and decide on unsecured loan applications that need risk management approval
- Responsible for basic financial analysis of less complex loans/industries/Customers
- Work reviewed and monitored by lead staff
- Basic understanding of loan risk factors
Education
Webber International University
2005 - 2010
Bachelor's Degree in Finance
Professional Skills
- Excellent credit analysis skills, strong negotiation skills, legal documentation experience
- Outstanding business writing skills and impeccable written and oral communication skills with exceptional customer service skills
- Exceptional fundamental credit analysis and financial modelling skills gained from prior experience of corporate credit analysis
- Strong accounting, financial statement analysis and financial modeling skills
- Experience in credit analysis, utilizing Microsoft Office, Internet, and related computer skills
- Prioritization skills: ability to manage time sensitive material
- Excellent written/verbal communication skills in English and German (mandatory)
How to write Credit Analyst, Analyst Resume
Credit Analyst, Analyst role is responsible for credit, financial, analysis, excel, modeling, microsoft, analytical, finance, mainframe, securities.
To write great resume for credit analyst, analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Analyst, Analyst Resume
The section contact information is important in your credit analyst, 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 Credit Analyst, Analyst Resume
The section work experience is an essential part of your credit analyst, 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 credit analyst, 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 credit analyst, analyst position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Analyst, Analyst resume experience can include:
- Leads conference calls with prospective merchants to assist Sales in understanding the prospective merchant’s business model and company structure. Determines viability of the prospect’s business requiring collateral when necessary or declining applicant if the business model is not sound
- Strong analytical and organizational skills, and the ability to work to tight deadlines
- SAS coding/report writing skills
- Organised, communicates effectively
- Quickly and effectively communicate risks, considerations and investment decisions to the investment committee via written memos and live pitches
- Strong academic record or equivalent experience
Education on a Credit Analyst, Analyst Resume
Make sure to make education a priority on your credit analyst, analyst resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit analyst, 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 Credit Analyst, Analyst Resume
When listing skills on your credit analyst, 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 credit analyst, analyst skills:
- Good writing and note-taking skills
- Strong interpersonal skills: professional, courteous, friendly, warm, empathetic, level-headed and composed
- Strong computer skills - Word, Excel, PowerPoint, SAP and JDE
- Possess problem solving and decision making skills
- Have solid experience in a similar high yield role, preferably euro and sterling markets
- Advanced interpersonal and communications skills (verbal, written and listening)
List of Typical Experience For a Credit Analyst, Analyst Resume
1
Experience For Junior Credit Analyst Resume
- Effectively communicate and resolve vendor quality control findings with counterparties effectively and efficiently and within prescribed timelines
- Detail oriented with the ability to multitask and effectively manage time
- Work effectively under pressure; individually & as part of a small team
- Relevant and similar experience working as a research or investment banking analyst
- Credit card or lending experience
- Good Excel knowledge in particular
- Distant working environment, including also travelling and meeting other EMEA teams
- A structured training path: theoretical and on the job training provided
2
Experience For High Yield Credit Analyst Resume
- Review and assess obligor rating at least annually, or as driven by special events
- Participate in team-orientated structure, working daily with traders, portfolio managers, quant analysts and product specialists
- Assist with application processing
- Review credit references, credit reporting and payment bonds
- Investigate federal, state, private and public requirements and regulations using NCS construction software
3
Experience For Middle Market Credit Analyst Resume
- Entry of tax certificates and resolve order processing tax issues
- Any other reasonable ad hoc requests relating to credit matters
- Interface with sales organization to communicate credit decisions and ensure timely review of new and existing customers
- Credit Risk Monitoring (annual reviews, covenant management)
- Career path including mobility after 2.5-3 years, within our service centers in Portugal or across EMEA Business Centers
- To manage all operational credit management activities starting from customer orders to payments,
- To evaluate the credit qualities of customers regarding solvency and payment practices,
- To assess the working capital impact of customer payment performance,
- Support customer audios in order to gather a deeper understanding of the financial situation of a customer
4
Experience For Credit Analyst, Diversified Industries Resume
- Have a sound understanding of market valuations across the quality spectrum/capital structure
- Desired Foundation Credit management background gained in banking, financial services, or a bluechip corporate credit environment
- Takes pride in presenting a professional image
- Knowledge of restructuring regimes and strategies across the EMEA region
- CFA or currently studying towards a CFA designation (or equivalent) is an advantage
- Develop ad hoc analysis/projects
- Conduct simple to complex analysis to assess the impact of internal and external changes (process, macroeconomic etc.)
5
Experience For Assistant Credit Analyst Resume
- Over time, maintain an assigned portfolio of credits with respect to evaluating, analyzing, and reporting on each credit’s periodic financial reporting, major news releases, investor meetings and calls, rating agency actions, etc
- Address inquiries from RISQ or other internal parties timely and responsively
- Assist in special credit related assignments and projects as required
- Research macroeconomic or sector specific topics of interest
- Assist in the preparation and presentation of materials for credit, sector or topical reviews
- Desired skills include: a strong understanding of financial accounting and economic theory in order to interpret and model financial statements as well as good judgement and reasoning in order to assess and differentiate the strengths, weaknesses and value drivers of the companies in their coverage universe
6
Experience For Credit Card Risk Analyst Resume
- Responsible for determining/proposing internal obligor rating with preparation of a credit analysis paper for a Japanese corporate client, based on a thorough understanding of specific as well as industrial backgrounds
- Establish/revise credit limits based on customer’s creditworthiness through extensive credit analysis; spreading financials, analyzing ratios, bank and trade references, 3rd party credit reports as well as sales and payment trends. Recommend credit limits based on established policy
- Assist with research and analysis of financial and operating information related to companies and industries to assess credit risk of present and potential client exposures
- Assist with Financial Statement analysis including completion of financial statement spreading within Moody’s Risk Analysis (MRA) software to facilitate risk rating of the entity and test compliance with financial covenants
- Assist with risk rating calculations to complete risk assessment
- Financial modeling of credit portfolio ideas
7
Experience For VP, Credit Analyst Resume
- Fixed Income cash product advisory to RMs and clients
- Update RMs on credit product and market conditions
- Construction of model bond portfolio for clients based on their risk profile
- Conduct relative value analysis on credits and make desk recommendations and tactical calls
- Conduct regular credit market update for Investment Counsellors / RMs
8
Experience For Senior Credit Policy & Risk Analyst Resume
- Ad hoc research as needed by the Fixed Income research team
- Adhere to business SLA on Credit FSR raised by Sales teams
- Identify Fraud risk customers through GAFT tool (Dell internal), email age & 3rd party websites
- Provide fundamental coverage of a sector within the global fixed income markets to contribute investment ideas that generate positive performance for our clients’ funds
- Prioritise core credit coverage from a larger sector universe by coordinating with investment team to find ideas that are most relevant for our funds to generate positive performance
- Lead company meetings, both in-house and externally, often in coordinating with PMs and equity colleagues
- Perform fundamental analysts on your sector and individual companies to evaluate the creditworthiness of an issuer and assess the relative value of its bonds
- Conduct primary and secondary research on your companies and sectors
9
Experience For Gcg-unsecured Lending Credit Analyst Resume
- Build and maintain detailed models, in conjunction with research specialists, that express your views and recommendations for your coverage
- Analyse covenants and capital structures to select individual bonds / issuers for our funds
- Work together with and mentor research associates / sector specialists (Gurgaon) who provide analytical and data support
- Represent Fidelity International in meetings with our clients, in both 1x1 and presentation formats
- Work closely and build relationships with peers in UK, Europe and Asia across the entire firm, including the equities, multi-asset, sales & distribution, and technology teams
- Active participation in strategy sessions that address credit trends, investment decisions and asset allocations -- a team-based approach to investing
- Close coordination with equity counterparts to leverage knowledge across the asset classes
- Fidelity’s investment approach is highly research-based with analysts actively engaged in the investment process. Fidelity places a great deal of emphasis on primary, proprietary research and we have substantial resources at our disposal
10
Experience For Portfolio Credit Analyst Resume
- Assist in the completion and analysis of third party vendor quality control reviews,managing of the loan level rebuttal process, and preparation of management reporting
- Analyze loan information, verify credit and file quality and obtain any applicable missing/additional documentation required
- Analyze financial information including re-calculation of income and debt ratios, verification of assets, and detailed collateral reviews
- Knowledge of federal and state compliance regulations, including RESPA, TILA, ECOA and TRID
- Complete a review of AUS findings to ensure the proper documentation has been included with the loan file
- Proactive telephone calls to bank syndicate desks, borrowers and investors in order to break deal updates ahead of our competitors
- Eventually contributing to pre- and post-launch analysis of major deals utilising timely and accurate market derived information (rumours, price talk, book-build and pricing analysis versus comparables)
List of Typical Skills For a Credit Analyst, Analyst Resume
1
Skills For Junior Credit Analyst Resume
- Effectively create, stack, and upload a wide array of mortgage loan documents in proper stacking order for audit submission
- Lending or underwriting experience is an asset
- Supporting team members to maximize the efficiency and effectiveness of the team
- Assists with legal closing process, preparing, reviewing, and validating documentation, ensuring compliance and conditions are met
- Good understanding of the assigned product’s selling & regulatory requirements
- Demonstrated ability in problem solving and resolving customer issues / concerns
- Maintain good knowledge and understanding of the bank policies, processes, risk rating tools, etc
2
Skills For High Yield Credit Analyst Resume
- Experience of credit risk underwriting and affordability assessments
- Experience of evaluating distressed / special situations
- Experience with Dun & Bradstreet or other credit reporting services
- Experience in commercial and personal credit analysis - preferably in a small business-banking environment
- Two (2) or more years of experience preferably in top consulting, a IB/levfin program, or HY/IG buy-side
3
Skills For Middle Market Credit Analyst Resume
- Experience using Word, Excel, PowerPoint and Outlook
- Experience of working in finance especially Credit Risk Review
- Strong knowledge of conventional and government mortgage underwriting guidelines
- Experience of Credit: Vetting/ Monitoring/ Collections
- Manage time and research priorities well to maximise investment opportunities
- Strong work ethics with a high level of self-motivation
- Less than 2 years of financial markets experience
- Proficiency with personal computers as well as pertinent mainframe systems and software packages. SAS experience required
4
Skills For Credit Analyst, Diversified Industries Resume
- Experience in Commercial real estate documentation, title work and surveys, construction plans and specs
- Experience in Credit Analysis
- Detail orientated and demonstrated ability to meet deadlines
- Good knowledge of English (both spoken and written)
- Preferably good knowledge of the Dutch Language
- Strong competence with data management
- Strong attention to detail with ability to manage multiple tasks
- Excellent telephone manner and the ability to foster relationships both internally and externally
- Seek evidence from prospective customers to support declared information where appropriate
5
Skills For Assistant Credit Analyst Resume
- Assisting in monitoring existing credit positions for credit quality and relative value
- Understanding of accounting principles in the interpretation of customer financial statements
- Supporting senior analysts in security due diligence, including business and industry analysis
- Understanding and running Risk Adjusted Return On Capital simulations
- Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analyst’s judgment
6
Skills For Credit Card Risk Analyst Resume
- Providing information and offering advice on financial market matters, market conditions and the history and prospects of corporations
- Liaising directly with brokers to ensure the needs of their clients are appropriately balanced with the needs of the bank
- Analysing the creditworthiness of insurers to ensure the our portfolio of loans is adequately collateralised
- Proposing Obligor Risk Ratings
- Monitoring compliance with covenants
- Assisting with legal documentation (i.e. credit agreements, ISDA)
7
Skills For VP, Credit Analyst Resume
- Liaising with other CCG teams in Europe and Asia, business lines, Bankers, legal & compliance, back office, and Risk
- Supporting lead/Manager on Credit Portfolio reviews of the region on weekly basis
- Spreading of financial statements
- Ongoing management of credits in the portfolio
- Providing cover for colleagues across multiple disciplines
8
Skills For Senior Credit Policy & Risk Analyst Resume
- Obtaining information on clients, the market, regulatory requirements as needed to assist with credit analysis
- Proficient in reading / interpreting financial statements for the purpose of underwriting credit
- Facilitates post loan closing activities and transition to appropriate groups for recording and tracking
- Further developing and maintaining a deep regional contact base, cultivating sources from both sell-side (bank) and buy-side (investor) communities
- Continuous monitoring customers' portfolio regarding alerts
9
Skills For Gcg-unsecured Lending Credit Analyst Resume
- Basic understanding of personal finances and lending products
- Team player, goal orientated and passionate about doing the right thing
- Communicative: enjoy writing (English!) AND presenting
- To provide the integral function of facilitating and promoting bond flows via tactical calls and recommendations
- Fast, accurate publishing of deal terms and conditions to a set format, including data entry
- Maintain compliance with all applicable regulations; particularly FCA principles for Treating Customers Fairly and assessing for Vulnerability
- Provide ongoing buy and sell recommendations for existing holdings
- Assist in developing and standardizing written policy documentation related to the credit process
- Qualified with Limits( working Level)
10
Skills For Portfolio Credit Analyst Resume
- General understanding of loan agreements and security types
- Design and write mainframe and PC technical programs for statistical analysis of portfolio and/or Credit Bureau performance and monitoring
- Acquisition, credit limit setting, credit support system performance and account management)
- Ensure operational execution of existing strategies is optimal and compliant with policy
- Perform risk rating calculations to complete risk assessment
- manage right handling for these securities
List of Typical Responsibilities For a Credit Analyst, Analyst Resume
1
Responsibilities For Junior Credit Analyst Resume
- Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks
- A gross monthly salary between €3494 and €4990, depending on your experience
- Experience with databases (MS Access, Oracle), database queries (SQL, MySQL, SQLPlus, Oracle SQL Developer)
- Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files
- Quantitative background: working with data
- Not yet graduated and looking for an internship? This is also possible!
- Make the right and timely conclusion and decision (risk rating, credit limit)
- Communicates with client and Credit Officer regarding covenant exceptions
2
Responsibilities For High Yield Credit Analyst Resume
- Communicates with credit team and relationship manager regarding covenant exceptions
- Tests for deteriorating credits and increases risk/exposure of assigned portfolio
- Performs credit analysis and underwriting on all new deals, renewals, maturities and modifications and verifies compliance with credit policy
- Prepares Commented Risk Rating and credit component of NILO approval document
- Ensure that annual review / transactions deadlines are met
- To contribute to any other portfolio or credit administrative and statistical works as required such as sector analysis, RPC and watchlist / doubtful processes
- Communicate reliably and professionally with both internal and external clients
3
Responsibilities For Middle Market Credit Analyst Resume
- Liaison with different métiers and various BNP Paribas networks to share client information, ensure smooth and timely credit process to ensure that global reviews are properly and timely executed and to minimize overdue files in collaboration with Relationship Managers (coordination role)
- Monitor clients’ credit evolution and immediately alert the management for any early warning signals. This includes, but not limited to, timely update of financial spreadsheets, regular compliance checks on financial covenants change in ratings or any major event or material evolution
- Meet with clients jointly with Relationship Managers, when and where possible, to deepen the nderstanding of a credits
- Participation in discussions and on potential deals
- Synthesises and Interprets data from financial reports, periodicals etc and makes recommendations
- Analyses financial markets and financial market products
- Review orders for accuracy, credit, and risk and document orders with credit information and status
4
Responsibilities For Credit Analyst, Diversified Industries Resume
- Prepare joint check agreements and job information sheets
- Negotiate credit limits up to $25K
- Verify taxability on orders and solicit exemption certificates as necessary
- Interpret Credit Reference Agency Data and understand how this might impact a prospective customer’s creditworthiness
- Liaise directly with prospective customers (via telephone / email) and perform personal Income & Expenditure assessments to establish the individual’s financial circumstances
- Make a recommendation on the customer’s ability to afford the product based on the information provided
- Record information received and decisions made clearly and concisely
- Follow agreed procedures in a fast-paced environment and complete workload to agreed timescales
- Own and drive resolution of customer queries raised within your delegated authority
5
Responsibilities For Assistant Credit Analyst Resume
- Deal with errors and or complaints in accordance with CBPF policy
- Maintain a courteous telephone manner with prospective customers at all times
- Evaluation of new investment opportunities
- Participate in due diligence presentations delivered by issuer management teams
- Perform detailed financial analysis of historical and projected performance
6
Responsibilities For Credit Card Risk Analyst Resume
- Examine business and industry trends and issues
- Work with counsel to diligence credit agreements
- Draft internal approval materials and present recommendations to the Investment Committee
- Monitor relevant news sources, research reports, press releases and industry data
- Review periodic financial statements and listen to earnings calls
- Evaluate and provide recommendations on amendments
- Further analysis of stressed and distressed credit situations as required
- Assist Senior Credit Analysts with the above functions as necessary
- Negotiate documentation and payment terms with Sales organization to ensure transactions are properly secured
7
Responsibilities For VP, Credit Analyst Resume
- Resolve credit issues with customers
- To define in close collaboration with the business the most appropriated customer credit strategies (incl. payment terms per customer and per country),
- To manage the account receivables in a centralized and efficient way and support optimization of payment behavior,
- To permanently improve the “Order to Cash” process, in order to minimize for the Solvay Group the risk and the impact on working capital and EBITDA, of overdue and unpaid invoices
- Experience designing and generating scheduled and ad hoc reports using reporting/query tools such as Brio, MS Query, MS Access, Crystal Reports or Business Objects
- Work independently in a fast paced, production oriented environment
- Familiarity with current technology available in receivables management
8
Responsibilities For Senior Credit Policy & Risk Analyst Resume
- Interact with customers, sales, finance and management personnel
- Knowledge of credit and collection procedures or related areas
- Be able to undertake detailed fundamental credit analysis of issuers from a macro to micro perspective, to form investment opinions
- Be able to communicate investment opinions to portfolio managers efficiently with conviction
- Be able to manage and develop the research investment universe
- Proficiency in English B2
- Deep familiarity with and highly functional knowledge of financial statement analysis
9
Responsibilities For Gcg-unsecured Lending Credit Analyst Resume
- Team player with ability to juggle several projects at a time
- Fresh graduates are welcomed to apply
- Foarte bune abilitati de comunicare si relationare, dar si de lucru in echipa
- Cunostinte de limba engleza la nivel mediu
- Cunostinte de baza privind reglementarile locale in vigoare
- Self-directed with a positive attitude
- Growth opportunity in an international company
10
Responsibilities For Portfolio Credit Analyst Resume
- Experienta profesionala: 1 - 3 ani in contabilitate in companie multinationala din industria bunurilor de larg consum
- Cunostinte de limba engleza (scris & vorbit) la nivel mediu
- Capacitate de analiza si rezolvare a problemelor
- Capacitatea de analiza, prelucrare si interpretare a datelor
- Bune abilitati de organizare
- College level applicant desirable or background in Credit Risk or Operations with vocational qualifications
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