Credit Research Resume Sample
Rashad Schuster
440 Camden Radial,
Detroit,
MI
+1 (555) 922 4007
Work Experience
Credit Research Associate
02/2018
-
PRESENT
Chicago, IL
- Represent Credit Research in meetings with issuers, interface with TIAA-CREF’s Risk Management Team, and support TIAA-CREF goals and values
- Perform detailed quantitative and qualitative credit analyses of sovereigns and countries, identifying key factors impacting a sovereign’s credit quality and wider country risks
- Reviewing financial/operating results and analyzing sector trends
- Listen to and produce briefing notes on companies’ conference calls
- Review and analyze transaction documents and assess strengths, risks, and value of deal covenants and structure
- Lead or participate in monthly credit reviews and credit surveillance discussions and provide in-depth assessment of identified names for periodic accounting valuation processes
- Develop and maintain relationships with industry peers and participants including Genworth’s primary securities dealer coverage
- Identify relevant topics of discussion from both a macroeconomic and credit perspective, and leveraging the firm’s research from other disciplines (including economics, equities, commodities, interest rates, and FX)
- Assisting our customers to rectify the following
Cib-global Credit Research
09/2013
-
09/2017
Houston, TX
- Analyzes sector/industry trends for assigned obligor/company; summarize findings for analyst. Drafts 2(a)7 updates and reports for high grade issuers under analyst supervision
- Interprets company/obligor specific information; models bonds being paid down on different schedules
- Summarizes earnings/conference calls for analysts
- Responds to more routine fixed income desk inquiries
- Prepares meeting minutes
- Develops deeper knowledge of specific sectors
- Contacts issuers, rating agencies, and sell-side analysts
- Completes work independently with minimal supervision on most assignments
MBA Summer Intern, Credit Research
06/2009
-
04/2013
Boston, MA
- Evaluating issuer creditworthiness, assigning internal credit ratings, and making investment buy, sell, or hold recommendations supported by detailed, well-articulated analysis presented to portfolio managers, traders, senior management, and risk management
- Providing frequent, organized, and well-articulated updates and investment recommendations on an ongoing basis
- Modeling and explaining earnings, cash flow, and balance sheet projections/expectations
- Understanding and evaluating bond covenants
- Proactively managing multiple tasks and meeting deadlines while maintaining flexibility and a positive attitude
- Maintaining strong relationships with bankers, issuers, rating agencies, external counsel and other investors
- Prepares more complex spreadsheets to assist in obligor/company analysis (including scenario analysis). Draws conclusions on relationships between operating results and credit quality, makes judgments and creates reports in draft form for senior analyst scrutiny
Education
Southern New Hampshire University - Nashua Campus
2004 - 2008
Mba's Degree in Finance
Professional Skills
- Experience in accounting and/or financial analysis, strong preference for experience analyzing the retail sectors
- Experience in accounting and/or financial analysis, strong preference for High Yield experience
- Strong in excel with advanced financial modeling skills
- Consistently demonstrates effective verbal and written communication skills
- Experience in accounting and/or financial analysis, strong preference for experience analyzing Industrial sectors
- Experience in accounting and/or financial analysis, strong preference for experience analyzing the Financials sector
- Experience in accounting and/or financial analysis, strong preference for experience analyzing Basic Materials sectors
How to write Credit Research Resume
Credit Research role is responsible for modeling, credit, events, financial, research, trading, securities, finance, retail, excel.
To write great resume for credit research job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Research Resume
The section contact information is important in your credit research 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 Research Resume
The section work experience is an essential part of your credit research 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 research 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 research position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Research resume experience can include:
- Financial analysis experience in a credit research role
- Research or relevant leveraged finance experience
- Experience with the energy sector
- Experience in the energy & materials sector
- Contribute towards the development of quantitative models for analyzing the fixed income markets
- Collaborate with other team members on ongoing research papers and projects
Education on a Credit Research Resume
Make sure to make education a priority on your credit research resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit research 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 Research Resume
When listing skills on your credit research 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 research skills:
- Demonstrated financial experience in accounting or banking
- Advanced financial modeling skills and the ability to project and explain earnings, cash flow, balance sheet, and credit metrics for various scenarios
- Strong knowledge of bond covenants and understanding of recovery analysis
- Current knowledge of credit securities pricing and relative value, and ability to demonstrate conviction in valuation views
- Experience analyzing industrial companies
- 1+ experience building financial models
List of Typical Skills For a Credit Research Resume
1
Skills For Cib-global Credit Research Resume
- Experience with Excel, Word, PowerPoint and Bloomberg
- Municipal research experience
- Participate in seminars, conferences and marketing events
- Passion for following the markets, both debt and equity”
- Generate relative value trade ideas and investment recommendations through the publication of research reports
2
Skills For Credit Research Associate Resume
- Discuss the conclusions of his or her analytical work in client meetings and conference calls
- Formulate opinions of new issues and review the financial information provided by issuers periodically
- Develop/update financial models and help produce fundamental research and analysis of companies in the high yield energy sectors (E&P, oil field services and midstream)
- Identify relevant topics of discussion from both a credit and macroeconomic perspective, and leverage the firm’s research from other disciplines (including economics, equities, and strategy), as required
- Support the trading business in understanding risks in the energy sector, and support firm clients in understanding credit situations
- Starts in mid-June, 10 weeks in length, Week 1 consists of PIMCO Fundamentals training
- Cross-divisional education, networking & social events
3
Skills For Director, Public Fixed Income Credit Research Resume
- Formal reviews/feedback at mid-summer and end-of-program
- Experience in accounting and/or financial analysis, strong preference for experience analyzing the retail, consumer and/or food & beverages sectors
- Knowledge of the Canadian utility industry
- Completion of CFA program
- Publish leverage finance research as well as ad-hoc market commentary
- Establish relationships both internally and externally, across function
4
Skills For Fundamental Credit Research Resume
- Attends selected industry conferences
- Participates on sector focused Satellite teams
- Formal mentor program
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