Risk Credit Analyst Resume Sample
Cary Hudson
9895 Douglas Falls,
Los Angeles,
CA
+1 (555) 255 8891
Work Experience
Senior Analyst, Counterparty Credit Risk
04/2018
-
PRESENT
Philadelphia, PA
- Experience in credit and risk management capacity
- Go beyond business needs and propose innovative/alternative solutions
- Work in close collaboration with users, acting as a business partner
- Improve the application landscape quality and build agility
- Spread knowledge within the IS team
- O For example, execute the instructions and directions in full to complete the required tasks for the set-out timelines
- Identify potential high risk and/or fraud merchant applications thru effective review and understanding of the merchant’s business model, card processing characteristics, delivery timeframes of products/services, credit profile, mitigating factors and additional information obtained thru internal/external sources
Credit Risk Intelligence Analyst
11/2015
-
02/2018
Philadelphia, PA
- Support business process and healthycredit portfolios production by performing client segmentation for variousanalysis of credit/customer data and behavior in order to support initiativesaccording to the bank’s strategy
- Experience with credit card portfolio management
- Knowledge of risk techniques, systems, and strategies
- Excellent time management and written communication skill
- To remain updated about the clients’ credit standing by actively calling on customers and by coordinating with the Relationship Managers
- Authoring counterparty credit reviews by analyzing financial statements, monitoring news and industry research, and conducting due diligence meetings
- Establishing and managing counterparty credit limits
- Providing research on industry trends potentially impacting counterparties’ credit ratings and financial health
- Analyzing business transactions to assess and quantify their impact on counterparty exposure
Credit Risk Portfolio Analyst
01/2012
-
09/2015
Philadelphia, PA
- Assisting in the negotiation of key credit terms in legal documentation including master netting and collateral agreements with counterparties
- Providing recommendations to mitigate counterparty risk
- Developing insightful and actionable reporting on overall counterparty risk in Capital One’s portfolio
- Interacting directly with business partners across multiple parts of the company including market risk management, treasury, and commercial bankers and traders
- Experience in analyzing financial statements OR at least 2 years of experience conducting credit analysis
- Perform studies to estimate loss emergence and look-back periods for significant commercial product groups
- Use assigned models to develop credit loss estimates
Education
Colgate University
2008 - 2012
Bachelor's Degree in Mathematics
Professional Skills
- Strong administrative skills, knowledge of loan administration, and accounting procedures
- Strong analytical and financial writing skills
- Data analysis and reporting skills (SQL is beneficial, but not essential)
- Basic to intermediate Microsoft Excel skills
- Working experience in the banking industry preferably in financial regulatory reporting or from a public accounting firm
- Portfolio management experience and ability to handle refinancing of existing loans
- Experience of team work or dealing with customers is beneficial
How to write Risk Credit Analyst Resume
Risk Credit Analyst role is responsible for credit, securities, finance, training, security, accounting, trading, reporting, research, financial.
To write great resume for risk credit analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Risk Credit Analyst Resume
The section contact information is important in your risk 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 Risk Credit Analyst Resume
The section work experience is an essential part of your risk 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 risk 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 risk credit analyst position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Risk Credit Analyst resume experience can include:
- Prepare regular Basel 3 Credit RWA reports for regulatory compliance /reporting, Business Units and Senior Management
- Sales management training programs
- Perform analytical review on model outputs to understand changes in modeled credit losses and to identify any errors or omissions
- Perform and/or leverage portfolio analysis such as industry/geographic/product/other segmentation and determine impact upon ALLL
- Develop, analyze, and justify specific qualitativefactors to support the level of qualitative adjustments to model output and the level of the unallocated component of the ALLL, incorporating macroeconomic factors and regulatory guidance
- Maintain procedural documents, data and calculation reference material
Education on a Risk Credit Analyst Resume
Make sure to make education a priority on your risk 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 risk 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 Risk Credit Analyst Resume
When listing skills on your risk 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 risk credit analyst skills:
- Experience in credit analysis of financial institutions OR 2 years of capital markets experience
- Knowledge of lending market developments and influencing factors, good understanding of banking rules and regulations
- Experience in using SAS and Microsoft SQL
- Experience in banking or financial services
- Experience in the field of credit analysis, underwriting and risk management
- Strong work ethic, detail-oriented and attentive
List of Typical Skills For a Risk Credit Analyst Resume
1
Skills For Senior Analyst, Counterparty Credit Risk Resume
- Take initiative, manage priorities and timelines
- Understanding of Enterprise Risk Management key policies and infrastructure would be an asset
- Coding with VBA and Python
- Analyze financial, asset, market, legal and contractual risk including preparation of MRA analysis and using Central Rating Engine to calculate Risk Rating
- Keen on learning and developing within a credit risk environment
- Knowledge of cash, derivatives and securities financing products
- Credit MIS reporting is used across CEEMEA countries to monitor and evaluate portfolio performance and drive business strategy
- Proficient in VBA and Python
- Task competencies: solidanalytical and interpersonal skills, superior attention to detail, planning andorganizing abilities, work internally across departments. High ability to work with systems andreports. Potentially participate on project teams
2
Skills For Credit Risk Intelligence Analyst Resume
- Personal competencies:communication abilities, analytical thinking, ambition and energy (able toperform under pressure), initiative, decisiveness and discipline, adaptability
- Able to manage projects anddeliver on promises
- Relevant data management knowledge
- Use and process databases, to develop reports and statistics; use mathematical tools and quantitative analytics in order to assess credit portfolios
- Use presentation tools, graphs, charts, and others to present data in a relevant, clear and concise way to support conclusions
- Task competencies: solid analytical and interpersonal skills, superior attention to detail, planning and organizing abilities, work internally across departments
3
Skills For CCB Risk-consumer Credit Risk-risk Analyst Resume
- High ability to work with systems and reports. Potentially participate on project teams
- Personal competencies: communication abilities, analytical thinking, ambition and energy (able to perform under pressure), initiative, decisiveness and discipline, adaptability
- Able to manage projects and deliver on promises
- Conduct cost and profitability studies of customer groups, merchants and/or loan types for business unit operations. Evaluate and implement internal and external credit scoring using both traditional and advanced forms of predictive technology
- Complete analysis and document results of alternative risk management options and credit risk issues. Design and prepare analyses of operating data; formally present findings to management
- Conduct analyses on performance of portfolios, default and loss mitigation treatments
4
Skills For Credit Risk Portfolio Analyst Resume
- Complete analysis and document results of program and portfolio performance, identify potential risk management options and credit risk issues. Design and prepare analyses of portfolio trends using various data sources (internal and external). Formally present findings to management
- Conduct cost and profitability studies of customer groups, and/or loan types for business unit operations. Evaluate and implement internal and external credit scoring using both traditional and advanced forms of predictive methods
- Simulation: develop and improve methodologies for the simulation of main risk
- Manage and maintain the data, trading limits, risk reporting and related responsibilities: Understand and fulfill the regulatory and enterprise requirements, compliance and priorities accurately, completely and timely
- Enhance and improve the efficiency, sustainability and ad hoc adaptability of team’s functions, processes and tasks
- Execute the instructions and directions in full to complete the required tasks for the set-out timelines
- Review, automate and support the functions, processes, documentations and changes
- Manage and maintain the risk reporting, trade positions/recons and related data and process responsibilities: Understand and fulfill the regulatory and enterprise requirements, compliance and priorities accurately, completely and timely
5
Skills For Risk WM Credit Analyst Resume
- O Key reporting including Regulatory and Senior Committee of the Enterpris
- Problem Solving and Decision Making – Identifying and analysing issues and problems, developing solutions and using judgement to make sound and dependable decisions
- Team Work – High levels of personal initiative and energy combined with the ability to contribute fully to a team dedicated to achieving the highest standards of customer service
- Analysis & Reporting – Interpret, analyse and create insight through the use of data and MI
- Understands the need to provide the highest standards of Customer Service to support AIB in delivering to our Customer’s expectations
- Provide senior credit risk management coverage of a portfolio of clients in Latin America
- Assess the business and financial strength of the firm’s trading counterparts to determine acceptable levels of credit exposure and monitor internal credit ratings
- Represent credit views at senior risk and capital committees
- Review and approve loan transactions, determine appetite and regulatory ratings
6
Skills For ICG Risk Credit Analyst Resume
- Proficient in the analysis of loans and traded products
- Familiarity with third party data services (SNL, S&P Capital IQ, etc.)
- Knowledge of VBA or SQL
- Certified Public Auditor (CPA) OR Certified Financial Analyst (CFA)
- Knowledge of Market Risk and Counterparty Credit Risk would be an asset
- Ensure that all MIS is accurate and timely and to assist in the production of MIS for ad-hoc requests and Business reviews
- Communicate with internal stakeholders
- Maintain regular communication with Accounting, the lines of business, various data sources, and Risk Management groups to ensure that all appropriate items and issues are addressed, and that important items are suitably documented and presented to senior management
- Assume additional responsibilities as required to fulfill data enhancement goals
7
Skills For Credit Risk Senior Functional Analyst Resume
- Analse the loan book at APAC level to detect and report concentration on counter and potential liquidity issues, sectors.
- Conduct quality assurance checks and reconciliation of Credit RWA and related numbers
- Analyse trends and perform portfolio analysis of various portfolios for management and regulators
- Participate in various Basel 3 Credit RWA initiatives including preparing user’s requirements and user acceptance test plan, conduct user acceptance testing, communication to stakeholders etc
- Perform data quality checks through extraction and analysis of data from relevant systems
- Liaise with Business Units, IT and other relevant parties on Cr RWA matters and data quality
8
Skills For Senior Credit Risk Allowance Analyst Resume
- Prepared detailed credit analyses and required credit application according to policy, including evaluation of loan purpose and structure, repayment sources, corporate, regulatory and industry risk, liquidity, asset protection, historical and projected operating performance, and capital structure
- Assess dealership information as a basis for credit and risk analysis and decisions
- Prepare credit application reports as a sound basis for own decision-making or decision-making by senior risk officers and risk committee (depending on authority level)
- Advise, prepare and participate in local risk committee when appropriate on decision-making regarding applications and agreements
- Monitor the credit/risk profile of assigned portfolio in order to stay in control and BU the opportunity for corrective actions
9
Skills For Credit Risk, Latin Credit Analyst Resume
- Provide information, support, training and align all parties on credit and risk management policies, processes and issues in order to cultivate a sound (credit) risk organization and (credit) risk awareness culture
- Ensure compliance with global and BU credit and risk management policies
- Knowledge of vendor programs, financial analysis, portfolio analysis, internal and external regulations, credit/risk management policies and scorecard techniques
- Comprehensive health benefits package
- Generous paid time off formula
10
Skills For Credit Policy & Risk Analyst Resume
- Ensure data integrity & management in cooperation and with the support of the other team members, as key preparation stage for credit risk analytics and reports
- Develop and perform proper internal and external credit risk reporting, including credit risk standard reporting package, customized reports, PD and LGD analysis, Loan Loss Provision and RWA related calculations, other analytics
- Support business process and healthy credit portfolios production by performing client segmentation for various analysis of credit/customer data and behavior in order to support initiatives according to the bank’s strategy
- Conduct recurrent and ad-hoc portfolio analysis and segmentation to identify good risk segments as well as early detect high risk concentrations for optimal measures to be taken in each category
- Work in close cooperation with involved departments, including other units within Risk Management, IT, Operations, Products, in order to monitor and ensure relevant, efficient (timely and with maximum automation/standardization) and accurate (correct and complete) processing of credit risk related analytics
- Ensure Data Quality compliance, by performing reconciliations across systems, instruct data corrections and follow up on resolution
- Cover other accountabilities and specific tasks delegated by the Department as justified by business needs
- Carry out all job tasks in accordance with all applicable internal and/ or law requirements, rules and regulations
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