Senior Analyst, Credit Resume Sample
Madelyn Grady
691 Barrows Meadow,
Boston,
MA
+1 (555) 151 8755
Work Experience
Senior Analyst, Credit & Collections
04/2016
-
PRESENT
Philadelphia, PA
- Reporting and analytical experience or combination of Education in quantitative program, such as business, statistics, economics or psychology, and work experience
- Experience working with SAS, SAS Macro, SAS Stat, SPSS, and/or other analysis software
- Perform complex qualitative and quantitative analysis of credit polices to ensure financial goals are being attained
- Develop predictive financial and analytical models using the appropriate statistical methodologies, including trend and regression analysis
- Perform loss forecasting analysis
- Extract, process and transform data from multiple disparate sources
- Analyze credit bureau and alternative credit data
- Quantitative analytic modeling experience or comparable process management experience
Senior Analyst, Credit
09/2011
-
02/2016
Houston, TX
- Intermediate or higher proficiency in SAS or other statistical/analytical programming languages
- Superior computer skills in Excel, Word, PowerPoint required
- Create and evaluate new account application Underwriting standards for portfolios of clients with some guidance from Credit Risk Manager. Analyze performance of past accounts and recommend changes to Underwriting and Credit Limit assignment parameters
- Identifies opportunities to improve and enhance the Credit Systems Environment that deliver on BMO’s Vision of Defining a Great Customer Experience
- Perform development, testing and analysis around the Bank’s Retail and Wholesale economic capital methodologies
- Following the Bank’s Model Risk Policy, assist in preparation of model review submissions and institute and execute ongoing validation protocols for material models
- Support standardization project to underlying Product Control’s P&L working files for efficiency and consistency across multiple P&L’s to enable effective cross-training and consistent controls in detailed working files
- Review loan file for compliance with all agency guidelines and client’s overlays
Senior Analyst, Credit Services
09/2004
-
03/2011
Philadelphia, PA
- Meet or exceed productivity standard for new loan files audited per day
- Accuracy with finding defects and errors on files audited
- Improve Initial Review Quality by closing the feedback loop and providing training intervention
- Review & recommend improvement of training content
- This potion typically reports to Senior Manager Credit Services or Manager Credit Services
- Responsible for Credit risk Assessment and Control Review of requests raised through FSR’s
- Develop/select methodologies to derive answers to business problems
- Design and implement tests to determine strategy effectiveness, and analyze the results to develop recommendations on future strategy
- Conduct analysis to drive insights and maintain sufficient coverage of regulatory requirements and ongoing monitoring
Education
Strayer University - Columbia
1999 - 2003
Bachelor's Degree in Accounting
Professional Skills
- Excellent verbal and written communication skills and ability to communicate effectively at all levels; excellent customer service skills
- Excellent written as well as verbal communication skills and strong customer service skills
- Demonstrates strong interpersonal skills, able to diplomatically resolve conflict, and maintain positive customer relationships
- Team player with excellent interpersonal skills who can collaborate effectively across multiple functions to achieve goals on time
- Detail oriented with excellent organizational and time management skills, ability to work independently and proactively take charge of accomplishing goals
- Demonstrated team and relationship building skills
- Excellent telephonic & Email communication skills
How to write Senior Analyst, Credit Resume
Senior Analyst, Credit role is responsible for modeling, software, analytical, coding, wireless, retail, finance, credit, training, security.
To write great resume for senior analyst, credit job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Senior Analyst, Credit Resume
The section contact information is important in your senior analyst, credit 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 Senior Analyst, Credit Resume
The section work experience is an essential part of your senior analyst, credit 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 senior analyst, credit responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular senior analyst, credit position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Senior Analyst, Credit resume experience can include:
- Provide relevant and timely insight to Senior Managers within Credit Portfolio Management and Stakeholders on the performance of portfolios, identifying issues and opportunities
- SAS and / or SQL skills
- Understanding of common data structures and leveraging them to enhance effectiveness and efficiency in derivation of proposed solutions and recommendations
- Demonstrates knowledge and understanding of financial concepts which includes establishing appropriate bad debt reserves
- Possesses and exhibits strong business acumen of credit underwriting
- Experience using SQL and/or SAS (or comparable software)
Education on a Senior Analyst, Credit Resume
Make sure to make education a priority on your senior analyst, credit resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your senior analyst, credit 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 Senior Analyst, Credit Resume
When listing skills on your senior analyst, credit 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 senior analyst, credit skills:
- Excellent analytical, organizational, written and oral communication skills, as well as attention to detail
- Ongoing leveraging of technical expertise, and self-motivation to continually enhance coding and modeling skillset
- SAS or SQL experience (coding experience is required in any formal coding language)
- Project team and project management experience, particularly involving fraud, credit, collections, and/or customer experience
- Advanced Financial modelling skills required
- Very good problem solving and analytical skill
List of Typical Experience For a Senior Analyst, Credit Resume
1
Experience For Senior Analyst, Credit & Collections Resume
- Strong interest in risk management and capital markets
- An understanding of trading documentation, including ISDA/CSA and Master Repurchase Agreement
- Real-time, ongoing and self-initiated monitoring of counterparty, industry, and economic developments
- Active and collaborative engagement with businesses to identify measure and manage counterparty, trading and documentation risk
- Partners with Divisions to improve bad debt/accounts receivable collection, fraud management, credit screening
- Monitor proper allocation of cash receipts and obtain supporting documentation from appropriate sources
2
Experience For Senior Analyst, Credit System Business Resume
- Responsible for customer financial analysis in support of producing prudent business and credit decisions
- In a high-volume or shared services center supporting Accounts Receivable, Credit, and/or Collections functions
- Build relationships with stakeholders and cross-functional partners involved in mortgage origination
- Due diligence, analysis and preparation of credit submissions for Bank, Insurance and Fund counterparties to establish credit limits
- Reviewing and analysing trading counterparties and transactions to ensure that they are well structured, meet appropriate return hurdles and have risk appetite appropriately determined
- Provides analytical support for multiple concurrent projects
3
Experience For Senior Analyst, Credit Services Resume
- Utilize statistical and analytical techniques to identify customer behavior insights
- Review accounts receivable monthly summary reports and reconcile monthly aging along with allowance for doubtful accounts and other reserves to ensure appropriateness
- Help resolve cash application issues
- Follow-up with network contacts on a frequent basis to ensure prompt collection of receivables and obtain updated payment status
- Coordinate requests from network contacts of information needed from SPT to ensure prompt payment by customers
- Prepare and analyze monthly/quarterly/annual forecast, long range plans and budget variance reports for finance
- Prepare Monthly/Quarterly Corporate Submission
- Prepare quarterly bad debt reserve analyses
- Interface with Business Affairs on any open or unresolved issues
4
Experience For Senior Analyst Credit Risk Resume
- Prepare and analyze billings for development and maintain Termination Agreement lists for Legal Department for resolution and execution
- Research billings and collections as requested by Legal, Business Affairs or Finance
- Maintain current receivables through timely and persistent collection efforts
- Manage the cash in advance process by ensuring that pre-payments are received prior to campaign start dates and prepare statements and reconciliations for customers
- Analyze month end actual cash receipts variances to forecast and budget
5
Experience For Senior Analyst, Credit Risk Mgmt Resume
- Participate in industry credit groups
- Use strong written and oral communication skills to create and present data-supported, actionable recommendations of business benefits of data-driven analyses, models, and other technical recommendations to both peers and senior management
- Leverage strong coding and data modeling skills with analytic software such as SAS, R, Python, Angoss, Alteryx, Tableau, Excel, etc. to enhance visualization and/or create dynamic reports that augment the ability to generate actionable analytic insights
- Ensure reporting and monitoring on credit strategies and tests are produced efficiently and accurately; identify areas for report production efficiencies (including automation) for periodic performance reporting and implement effectiveness enhancements, including the incorporation of visualization and drill-down functionality where appropriate
- Maintain and adhere to all applicable industry and Company data privacy laws, regulations, and internal policies and procedures
- Establish credit guidelines together with financial and business leaders
- Evaluate accounts, establish payment plans and promote proper follow-up with team
6
Experience For Senior Analyst, Credit Analysis Resume
- Support AR performance and maintain internal and external customer relations
- Analyze accounts for reconciliation purposes and provide direction in support of team
- Peer coach credit team members
- Support and contribute to audits
- Tuition Reimbursement (available day 1 of employment)
7
Experience For Senior Analyst, Credit Systems Management Resume
- Measure, monitor and mitigate, as applicable, Suncor’s credit and performance risk for supply trading and optimization (ST&O) as well as providing recommendations with regards to the performance risk associated with business activities for the supply chain management group (SCM)
- Ensure that credit documents are in place and provide the maximum amount of credit protection available as required
- Measure, monitor and mitigate, as applicable, Suncor’s credit and performance risk for Supply Trading & Optimization (ST&O) as well as providing recommendations with regards to the performance risk associated with business activities for the Supply Chain Management group (SCM)
- Knowledge of the business operation of a credit card company and how it makes money
- Responsible for contributing to AR performance through risk management – customer financial analysis and order management consistent with company policies and procedures
- Demonstrates knowledge of credit and/or collection practices which can include debt repayment, dispute resolution, risk mitigation, etc
8
Experience For Senior Analyst, Credit Risk Resume
- Additional responsibilities in support of our collections performance including leading order-to-cash process improvements
- Gathers and synthesizes information from a variety of sources (i.e. financial statements, reports), makes effective credit decisions, and documents decisions appropriately
- Coordinate, partner in and/or lead projects of medium complexity
- Analytical and communication skills (verbal and written) are required to analyze entities’ operating performance and prepare presentations. Good working knowledge
- Manage projects to completion, on time and under pressure
- Strong in analyzing financials statements and evaluation of dynamics impacting customer credit profile, with the ability to provide a succinct and articulate credit analysis and recommendation
9
Experience For Senior Analyst, Credit & Income Resume
- Attention to detail, methodical and organized
- Knowledge of energy industry and credit risk management
- Entertainment industry and knowledge of television production
- Generation and presentation of actionable recommendations to leverage analytic findings
- Provide advice/direction/recommendations with respect to primary areas of expertise to all levels
- Manage both large and small concurrent projects and successfully meet interim and final deadlines for each
- Contribution as team member and self- management of both large and small projects
10
Experience For Senior Analyst Credit & Collection Resume
- Assist Credit & Collections Manager with ad hoc activities/projects on an as needed
- Serve as a backup for C&C Manager, as needed
- 401(k) investment plan
- Review and maintain the monthly Network accounts receivable reports, aging, cash receipts, cash on account and various other reports as they relate to billings and collections of network/cable/digital and other markets as relate to amounts invoiced and collected. Identify receivables subject to audit; Analysis of cash receipts against respective forecast
List of Typical Skills For a Senior Analyst, Credit Resume
1
Skills For Senior Analyst, Credit & Collections Resume
- Demonstrates ability to learn and effectively navigate a variety of financial systems
- Good Presentation & Excel skills
- Quantitative and decision making skills
- Organizes workload effectively, proactively works with customers to ensure commitments are met, and raises issues and recommendations to management
- Persuasive communication skills (both written and verbal) with the ability to explain credit decisions
- Strata, Triad or similar decision engine experience desired (Other could include: FICO, Redhat, Provenir)
- Proven ability to analyze numeric data and trends, including root cause analysis
- Build strong relationships both internally and externally , particularly growing industry network with both credit and risk professionals
- Multi task, manage deadlines, and prioritize work in a dynamic setting
2
Skills For Senior Analyst, Credit System Business Resume
- Experience working with data warehouses and Tableau
- Solid computer proficiency, including Microsoft Excel, Word and Outlook
- Experience coding in SQL and PC SAS (or comparable software)
- Experience working with credit card data
- Solid understanding of how to underwrite credit card apps and manage credit limits
3
Skills For Senior Analyst, Credit Services Resume
- Experience with Microsoft Office, especially Excel/Pivot Tables
- Proven ability to draw conclusions and form recommendations based on data analysis
- Maintain a strong network of credit professionals and corporate finance professionals in the North American energy industry
- Experience of working in finance especially Credit Risk Review
- Tsys or Triad experience
- Four or more years of experience with credit risk management in the energy industry
- Experience in credit related field
4
Skills For Senior Analyst Credit Risk Resume
- Strong computer proficiency in Microsoft applications specifically in excel
- Multi task, manage deadlines, and prioritize work
- Strong computer proficiency in microsoft applications; specifically in excel
- Experience with industry-specific software in use at Comcast, such as CSG, Amdocs, Einstein, etc
- Professional demeanor and strong motivation to meet deadlines
- Related hands-on analytical experience required
5
Skills For Senior Analyst, Credit Risk Mgmt Resume
- Experience in financial services industry and knowledge of best practices
- Research customer payment patterns and provide trade experience
- Developing complex financial and analytical models
- Evaluating new risk products offered by vendors
- Extracting data from multiple disparate sources
- Provides reporting and analytical support for unauthorized charge complaints including reporting dashboard maintenance
- An understanding of accounting principles & corporations law
- Knowledge of general financial concepts including P&L calculations and understanding of individual drivers
6
Skills For Senior Analyst, Credit Analysis Resume
- Review and develop risk settings relative to risk appetite, regulatory requirements and emerging risks to the Home Lending portfolio
- Able to navigate various computer applications congruently, while retrieving relevant account information
- Create, test and analyze new credit limit strategies for specific client to increase sales and profitability for existing accountholders
- Create and analyze reporting of key credit risk metrics necessary to understand changes in portfolio risk mix and/or trends in customer behavior
- Create strategies, Underwriting Standards, and Credit Limit assignments for new client implementations
- Represents CSM on development plan initiatives or business process initiatives impacting assigned Segments, Products & Processes
- Provide consistent and competent back up to the other members of the credit risk management team in reporting and completion of credit reviews
- Provide backup for reporting in support of transaction activities
7
Skills For Senior Analyst, Credit Systems Management Resume
- Advanced knowledge of Lending/Credit Systems &/or Automated Decision/Business Rules Management Systems
- O Advanced knowledge of Lending/Credit Systems &/or Automated Decision/Business Rules Management Systems
- Understand intermediate to advanced level of credit and accounting principles
- Build positive relationships internally and externally , particularly growing industry network with both credit and risk professionals
- Full service cafeteria, featuring Starbucks
8
Skills For Senior Analyst, Credit Risk Resume
- Numerate/analytical (ideally tertiary educated in a numerate discipline e.g. economics, engineering, applied statistics/operations research)
- Review/analyze existing contracts for optimum securitization, operational efficiencies/capabilities, appropriate rights and remedies
- Perform trend/regression analysis and forecasting
- B.S. in Economics, Statistics, Engineering, Computer Science, or related field
- Knowledge of data analytics and reporting
9
Skills For Senior Analyst, Credit & Income Resume
- Prepare accounts receivable aging and collection status reports for Management review
- Evaluate customer orders for credit release in support of company growth targets, while balancing risk and financial performance
- Contribute to and produce AR performance reporting
- Meet and exceed productivity requirments
- Verbally communicate observations to Credit Risk leadership and internal partners
- Interact with leader and peers
10
Skills For Senior Analyst Credit & Collection Resume
- Work on special projects and other projects as identified by the division management
- Perform quality check of the spreads / reports completed by the junior analysts and ensure they are as per the guidelines
- Act as primary risk contact for Client Sales team. Effectively researches and resolves ad-hoc requests from internal partners and communicates results. Participates in Strategic Account Management process with Client Sales
- 20 days Paid Time Off your first year
- Manages relationships and communication with business partners (internal and third party), as required
- Contributes to cross functional teams responsible for product, process and strategy enhancements
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