Credit Risk Analyst Resume Sample
Vincenza Haag
54467 Bradtke Trail,
Boston,
MA
+1 (555) 116 1050
Work Experience
Senior Credit Risk Analyst
08/2016
-
PRESENT
New York, NY
- Create management reports and interpret data
- Review MIS to understand trends and potential portfolio / process issues
- Collect and clean data for analytical processes. Conduct analysis to determine root causes of trends and issues
- Conduct moderate to complex analysis for the purpose of creating/auditing/validating fraud strategies
- Performs analysis on loss trends and is able to work with stateside partners to implement fraud detection strategies to reduce losses
- Use data to tell a story around loss trends and root cause
- Underwrite borrower/entity and collateral risk in support of mortgage lending solutions
Credit Risk Analyst
10/2012
-
05/2016
Dallas, TX
- Design and coordinate in-depth assessments of charged off card accounts using information available from existing collection reports, internal data warehouses, and from ad hoc reports. Recommend changes to credit policies, credit score cutoffs, etc
- Participate in the design and development of new products, technology and delivery channels to ensure full compliance with all applicable policies and regulatory requirements
- Conducting detailed analysis of thematic risk issues
- Assist with enhancing the reporting and analytics framework
- Embedding the Banks risk appetite into risk reporting
- Work as a ‘Business Partner’ with finance, accounting, business operations and senior management across regions and systems, Oracle / SAP - submitting and obtaining approval for all credit limits and managing the release of all credit-blocked orders
- Support standard Credit Management KPI’s in conjunction with the collection teams. Achieve and exceed Past Due, Collections Efficiency and DSO goals
Junior / Credit Risk Analyst
08/2007
-
09/2012
Los Angeles, CA
- Coordinate internal credit approval process, effectively functioning as the bridge between the credit approver, internal support teams (documentation, appraisal services, etc.), and the integrated team members
- Production of daily/monthly Basel III credit risk capital adequacy calculations
- Capital impact analysis
- Understanding of data/methodology issues
- Participation in ongoing compliance of regulation
- Ad hoc analysis and regulatory data requests
- Participation in project work and assistance with project management for major deliverables
- Become comfortable with analyzing and reconciling large amounts of risk data
- Regular contact with external Clients and Financial Institutions to respond to queries, obtain and provide information
Education
University of Mount Union
2003 - 2007
Bachelor's Degree in Finance
Professional Skills
- Strong analytical skills and numerical skills
- Strong interpersonal skills and experience with leading, managing, and completing projects within defined timeframes
- Advanced Excel skills (in particular the ability to manipulate data using VLOOKUP and basic VBA and macro skills)
- Strong interpersonal skills and the ability to function effectively in a team environment
- Strong decision-making skills, especially when dealing with competing interests
- Strong control orientation, analytical and financial analysis skills, attention to detail, critical thinking, and problem solving
- Strong computer skills including knowledge of Microsoft Office products
How to write Credit Risk Analyst Resume
Credit Risk Analyst role is responsible for analytical, business, financial, credit, analysis, risk, interpersonal, communications, sql, excel.
To write great resume for credit risk analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Risk Analyst Resume
The section contact information is important in your credit risk 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 Risk Analyst Resume
The section work experience is an essential part of your credit risk 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 risk 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 risk analyst position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Risk Analyst resume experience can include:
- Strong written & verbal communication skills to effectively communicate to internal and external contacts at all levels
- Strong written and oral communications skills; ability to communicate effectively across business units and geographies
- Strong PC skills and experience
- Solid work ethic and good organizational skills, with the ability to multi-task in a fast-paced and metric oriented environment
- Excellent Customer Service Skills with track record of dealing in adverse situations and handling high call volume
- Advanced understanding of financial ratios and business principles and strong analytical skills with an ability to question assumptions
Education on a Credit Risk Analyst Resume
Make sure to make education a priority on your credit risk 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 risk 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 Risk Analyst Resume
When listing skills on your credit risk 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 risk analyst skills:
- Strong oral and written communication skill; strong analytical thinking and problem solving skills and ability to work independently are required
- Advanced Excel skills with strong logical and SQL querying skills
- Strong written and oral communication skills-including presentation skills
- Negotiating skills & problem-solving skills
- Experience of challenging first line of defence and strong reasoning skills
- Strong planning/organisation skills with the ability to manage your own workload, prioritise competing workloads, and support wider projects
List of Typical Experience For a Credit Risk Analyst Resume
1
Experience For Senior Credit Risk Analyst Resume
- Good communication and analytical skills with demonstrated problem solving ability
- Strong writing and presentation skills in Microsoft Office Suite
- Strong analytical and statistical knowledge with an ability to combine quantitative and common-sense problem solving skills
- An ability to show initiative, logical thinking and problem solve effectively
- Experience in commercial underwriting, financial statement & cash flow analysis, with portfolio analysis experience
- Prior risk management experience as an analyst in banking/fintech industry
2
Experience For Credit / Risk Analyst Resume
- Multi-task and effectively manage competing interests
- Experience with providing Level 2 Support. Determine immediate and/or long term required action to address customer experience
- Proven experience of credit risk issues that affect a customer’s ability to pay on time
- Performing all manner of data mining activities, including data validation
- Validating prices and other related commodity pricing tables in the trading systems of record
- Understanding the importance of strong working relationships
- Developing and maintaining good relationships with Commercial Management and other key stakeholders
- Experience in statistical/risk modeling and forecasting preferably related to financial services (auto loans, mortgage servicing, mortgage banking, etc.)
- Capable of planning/prioritizing and organizing projects to meet deadlines
3
Experience For Credit & Risk Analyst Resume
- Strong working knowledge / industry expertise of regulatory matters related to business banking/commercial lending
- Good understanding of Private Banking Portfolio theories
- Establish and maintain effective and cooperative working relationships with all cross functional teams including sales
- Significant experience in preparing and presenting credit recommendations to Risk, Sales & Management
- Experience in providing ongoing business support in Risk or Operations
- Experience in understanding financial markets and banking products
4
Experience For Multifamily Credit Risk Analyst Resume
- Strong working knowledge of Business Banking Loan policies and procedures
- Strong understanding of the bank’s lending policies and procedures
- Business experience with emphasis on risk management, modeling, or operations strategy
- Good understanding of financial balance sheets / investment funds
- Good understanding of the legal and regulatory environment relative to the portfolio
- Familiarity and experience with credit reporting agencies
- Experience with credit scoring and risk management systems, models, and metrics
- Model analytics and validations. Model building design, development, support, and consultation
- Develop excellent working relationships with customers and sales team to provide exceptional customer service
5
Experience For Lead Credit Risk Analyst Resume
- Experience in working with multicultural teams across different geographies
- Responsible for approval cycle time – setting priority of work load
- Prepare credit and collateral data, set up analyses based on underlying loan documents, and validate compliance with loan terms
- Develops and maintains effective working relationships with business partners, end user customers, and internal and external employees
- Contributes to the department by serving as a guide and mentor to less experienced analysts
- Build reporting to track performance and measure effectiveness of high risk account management and collections efforts
- SAS/SQL/R and/or Data Files & Data manipulation – experience in working with data and data manipulation tools
6
Experience For Counterparty Credit Risk Analyst Resume
- Proven track record of participating in the delivery of risk technology solutions
- Strong knowledge of the banking industry
- Good understanding of complex financial instruments and associated analysis
- Strong working knowledge of all Microsoft Office applications (word, excel, powerpoint, etc…)
- Experience in commercial underwriting, portfolio management or credit administration
- Previous experience in Credit/Market Risk, Product Control, or related control/reporting function in financial institutions would be an advantage
- Experience in a European risk role
- Experience in risk, operations, administration, and/or project management
- Working knowledge of lease accounting systems including InfoLease
7
Experience For MF Credit Risk Analyst Resume
- Confirming valuation and accuracy of new and existing deals in trading system
- Understanding of trading concepts and trading operations from back to front office
- Ongoing portfolio monitoring and commentary
- Coordinating the approval process from beginning to end for underwritten transactions, loan participations, and ‘flow’ transaction
- Keeping a high level global view point of developments affecting client credit profiles
- Managing counterparty credit risk exposure within approved limits by interfacing with traders and counterparties
- Managing daily collateral process including margin calls, Letters of Credit, prepays and guarantees
- Working with Accounting and Legal to resolve counterparty performance issues, bankruptcies and bad debt
8
Experience For AVP, Credit Risk Analyst Resume
- Supporting monthly financial reporting for the business unit through review, reconciliation and financial variance analysis
- Monitoring events in the local and global environment; understanding of impact on bank’s credit assets
- Setting up the governance and reporting framework for the residential Mortgage credit portfolios
- Coordinating UAT – tracking defects and progress
- Handling inquiries from Bankers, Financial Advisors/Investors, Capital Advisors/Lenders and Client Services on margin and lending related transactions
- Understanding cause and effect (where past predicts future)
- Identifying agents of change
- Recommending solutions to close gaps and optimize risk-reward balance
9
Experience For ERM Credit Risk Analyst Resume
- Assessing significance of action plans
- Supporting action plans through to implementation
- Making recommendations of credit limit and internal ratings
- Responding to broker requests and one-off credit proposals in a timely manner
- Performing periodic credit reviews and approve limits
- Compiling and distribute daily reports to stakeholders
- Reviewing risk reports to guarantee accuracy and identify and report any risk limit violations
- Supporting remedial management initiatives and/or actions, where necessary
10
Experience For Credit Risk Analyst, Principal Resume
- Marketing/Business Assessment Responsibilities
- Working knowledge of consumer credit risk management
- Working knowledge of key clauses in common energy master agreements (ISDA with annexes, Gas EDIs, NAESBs, EEIs, etc.) an asset
- Identifying project impacts, dependencies and stakeholders
- Managing development lifecycle: Analysis, Design, Build, SIT, UAT, Deployment
- Managing communications and expectations
- Working with business stakeholders to define test plans and test scenarios
List of Typical Skills For a Credit Risk Analyst Resume
1
Skills For Senior Credit Risk Analyst Resume
- Demonstrated strong relationship management, communication, and presentation skills
- Credit risk management/lending experience with leading commercial/investment bank with balance sheet and cash flow analytical skills
- Effective communication skills, verbal and written, including concise report writing
- Proficient analytical skills with a solid understanding of financial statements
- Strong interpersonal skills, able to build deep, trusting internal and external relationships
- Good PC skills – Excel, Word being main ones
- Strong financial analysis, problem solving and negotiation skills
- Excellent written and verbal communication skills in explaining analysis, trends and drivers
- Strong interpersonal and influencing skills, ability to deal with multiple business units within the multifamily organization
2
Skills For Credit / Risk Analyst Resume
- Strong skills required in problem-solving, rigorous analysis, project management, and written and verbal communication
- Strong interpersonal, collaboration and writing skills
- Strong interpersonal and influencing skills, ability to deal with multiple business units within the Multifamily organization and outside lender partners
- Strong communication, organization, and presentation skills, including PowerPoint
- Excellent communications skills, both written and verbal. Be able to adapt delivery style and language to suit the audience
- Strong organisation & time management skills
- Analytical skills with a solid understanding of financial statements
- Build relationships easily, and are collaborative team players with strong communication skills
- Strong PC Skills - Proficient in Excel, Word & SAP and other ERP systems
3
Skills For Credit & Risk Analyst Resume
- Plan and conduct validation of the RBWM Portfolio by effectively challenging both methodology and assumptions
- Capability to prioritize and manage time effectively to ensure appropriate attention to critical investigative responsibilities while balancing client impact
- Solid adaptation skills and positive team spirit
- Have good communication and presentation skills both written and verbal
- Excellent English communication skills and the ability to write clear and concise risk analysis to
- Strong organizational skills to manage process workloads and coordinate tasks with team members
- Good written & verbal communication skills and attention to detail
- Good interpersonal, negotiation skills
- Strong oral and written communication skills and the ability to engage with peers and translate processes into documented procedures
4
Skills For Multifamily Credit Risk Analyst Resume
- Excellent skills in the software products - PowerPoint and Excel
- Strong intellectual curiosity, interpersonal skills and work ethic are required
- Demonstrated track record of success, innovation and creativity in prior work experience
- Strong customer relationship management, written and verbal skills
- Strong analytical skills- ability to create/develop reporting- understand and interpret data
- Directly related financial services experience including credit/financial analysis, lending, underwriting, or other related experience
- Demonstrated experience analyzing and assessing credit risk at a loan and portfolio level
- Robust problem-solving, decision-making, and organizational skills
5
Skills For Lead Credit Risk Analyst Resume
- Demonstrated experience presenting and defending views to senior professionals, and the ability to document those views in a clear and concise manner
- Business-level English language skills (speaking and writing) required; additional European languages welcome but not required
- Demonstrated experience analyzing credit risk at a loan and portfolio level
- Strong experience collaborating with Senior Level Executives
- Demonstrated experience in influencing others – executives, customers, peers
6
Skills For Counterparty Credit Risk Analyst Resume
- Financial analysis skills and capacity to analyze operating statements
- Evidence of experience in at least three (3) major areas of banking operations
- Advanced MS Office skills (Power Point and Excel) and the ability to develop training materials and presentations
- _5 to 7 ___ Years of experience (Overall and relevant experience)
- Superior analytical problem solving skills
7
Skills For MF Credit Risk Analyst Resume
- Experience in wholesale banking experience in market or counter-party credit risk
- Prior work experience as a an analyst in an analytical environment
- Negotiate and effectively communicate judgment decisions
- PC literacy required along with proficient skills in excel
- Capable of using critical thinking, creativity, and problem solving skills to resolve loan and bond-level issues
- Experience in capacity of counterparty credit analyst with solid understanding of capital markets products
- Have a competent level of knowledge and proven practical experience of analytical tools such as SAS, SQL, Excel and VBA
- Demonstrate excellent accuracy and attention to detail
8
Skills For AVP, Credit Risk Analyst Resume
- Be a proven effective team player
- Effectively present risk analysis orally and written
- Prior experience as an Analyst in a Commercial Loan Review group or Asset Management team
- Prior experience as a senior analyst or team leader in a Commercial Loan Review group in a regulated financial institution
- Demonstrated project management experience and ability to coordinate with multiple teams and keep complex projects and deliverables on track
9
Skills For ERM Credit Risk Analyst Resume
- Communicate effectively with all levels of internal and external customers
- Advanced MS Office skills (PowerPoint, Excel, e.g. vlookups, pivot tables, advanced calculations and formulas) required
- Exceptional numeracy and analytical skills
- Advanced skills in MS Excel, Word, and PowerPoint
- Superb analytical, organizational, communication and project management skills
- Capital markets experience or experience in commodity structured trade finance
- : Advanced skills MS Excel, Word, and PowerPoint required
- Written and Oral, customer relationship management skills
10
Skills For Credit Risk Analyst, Principal Resume
- Applicable and proven experience in corporate credit analysis at an insurance, banking, asset management or other financial services institution
- Prior experience in auditing to Credit Policies
- Work effectively with key partners (e.g. Investments, Legal, etc.)
- Designing customer-facing processes to ensure positive, coherent, and unassailable experiences
- Ongoing review and validation of credit risk data to ensure consistency across stakeholders and reporting functions
- Experience of extracting, manipulating and analysing data using SAS (or similar data tools such as R)
List of Typical Responsibilities For a Credit Risk Analyst Resume
1
Responsibilities For Senior Credit Risk Analyst Resume
- Prepares and distribute daily, weekly, monthly and quarterly credit risk reports. This includes collecting and reviewing data for accuracy and providing commentary on credit exposure exceptions
- Two to five years’ prior credit risk experience with a good working knowledge of lending, collections and Basel II
- Good communication skills – oral,
- Excellent oral and written communication skills to present analyses to all levels of management
- Strong problem solving skills and ability to adapt to credit systems
2
Responsibilities For Credit / Risk Analyst Resume
- Opportunity for an individual to expand his/her credit skills, and gain experience in credit and transactions
- Extensive experience in a quantitative role in financial/consulting services with good understanding of derivatives' risk/modelling/pricing
- Experience managing and working with large databases and a good understanding of SQL
- Demonstrated experience with analysis of financial projections and spreading financial statements
- Effectively research and resolve ad-hoc requests from internal partners and communicate results, especially related to driving profitable growth
- Proven financial industry working experience
- Prepare credit memorandums for large and high-risk sellers to effectively communicate key risks and recommendations to senior management
- Strong experience with SQL, R, Python or SAS
3
Responsibilities For Credit & Risk Analyst Resume
- Experience with analytical and/or data driven responsibilities, including project planning and coordination
- Experience in automotive retail/wholesale marketing or consumer credit underwriting and collection practices
- Strong knowledge of desktop applications, including word processing, spreadsheet, graphics, email
- Effective participation in various projects around improving Credit Risk Reporting processes (e.g. BCBS 239 compliance, data quality remediation)
- Bachelors in Finance, Accounting or related field, 2-4 years credit analysis experience or equivalent
- Good judgment and discretion working with highly confidential informatio
4
Responsibilities For Multifamily Credit Risk Analyst Resume
- Strong financail modelling and analysis
- Experience in a manufacturing based organization
- Experience working with statistical and non-statistical models, either as a developer or a business user
- Experience in consumer credit portfolio management using computer aided statistical techniques
- Experience in data mining, trend investigation, report development and management presentation techniques
- Job Holders with at least 5 Years Banking experience mainly in Front line / Risk positions
- Experience with statistical and financial modeling with spreadsheets
- Previous experience in a Loan Review role (industry or bank regulator) and/or as a credit analyst or relationship manager in commercial lending
5
Responsibilities For Lead Credit Risk Analyst Resume
- Experience in structuring of deals
- Relevant experience in Credit or Data Management
- Good knowledge of MS Access and MS Excel
- A strong working knowledge of financial systems
- Experience project management including systems implementations and change management
- Work with external resources and leverage advanced technology to improve detection effectiveness in response and prevention solutions
- SAS/SQL/R/Python and/or Data Files & Data manipulation – experience in working with data and data manipulation tools
- Develops and maintains a strong working relationship with regulatory agencies
6
Responsibilities For Counterparty Credit Risk Analyst Resume
- Good knowledge of Credit / Operational risk
- Good knowledge of credit related legal documentation
- Good knowledge of Balance Sheet analysis
- Good knowledge of Wealth Management products
- Good sense of risks
- Interacts with customers and staff to ensure an efficient and effective handling of loans
- Track and analyze the performance of various tests and acquisition programs to evaluate effectiveness
- Work experience in the analytical-related role
- Demonstrated ability to conduct financial analyses of depository institutions and pledged collateral
7
Responsibilities For MF Credit Risk Analyst Resume
- Credit analysis/portfolio management experience or equivalent, including being well versed in analyzing business financial statements
- Professional experience in market finance, Banking or risk (mandatory)
- Good knowledge of French (desirable)
- Responsible for approval cycle time – setting priority of work-load
- Effective back-up planning and preparation for colleagues in CLM in a way Business is not impacted by the unexpected or known absence of members of the team
- Assisting with portfolio monitoring functions including data analysis and developing ongoing reporting tools
- Monitoring the risk/reward profile of the portfolio, analysing and proposing changes to acquisition strategies and/or product pricing as appropriate
- Evaluating financial position and credit worthiness, for prospective and existing commercial/merchant/portfolio accounts, focusing on Insolvency,
8
Responsibilities For AVP, Credit Risk Analyst Resume
- Organizing and creating training materials
- Enhancing the suite of Risk MI, improving efficiencies of production in order to provide more in-depth analysis on key trends
- Building and maintaining application & portfolio scorecards and models
- Managing the pricing infrastructure to support a business with multiple channels, products and models
- Understanding of Consumer Lending Products, Mortgage and Indirect Auto businesses and processes, and related federal and laws, regulations and guidance
- Analyzing financial statements and risk grade assessments for real estate, commercial & industrial, and specialty lending
- Writing business requirements and helping coordinate projects with technology groups
9
Responsibilities For ERM Credit Risk Analyst Resume
- Documenting key policies, procedures, and training materials
- Working knowledge of regulatory landscape for banks and financial services
- Seeking consensus with sales and other stakeholders on made proposals
- Monitoring of customers with high credit exposures and high-risk profile
- Willing to seek challenges beyond current responsibilities
- Providing a wider range of analytical support in order to meet the Risk team’s objectives, and feed into the wider business’ financial targets
- Monitoring market, regulatory, macro-economic and political developments
- Implementing system modifications to execute your policy changes
10
Responsibilities For Credit Risk Analyst, Principal Resume
- Giving advice and recommendations on product design
- Preparing ad-hoc analytical tasks (i.e. portfolio review purposes, stress tests)
- Maintain consistent standards for granting credit, reviewing open credit limits, and setting risk ratings
- Responsible for gathering, analyzing and reporting on portfolio loan quality trends, exceptions, concentrations, profitability, and indicators of credit risks
- Review and develop existing and new customer risk segments and identify risk factors using statistical modelling techniques
- Support other credit management tasks (disputed and open items related to quality, shipping, pricing, monitoring customer accounts, etc.)
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