Senior Credit Analyst Resume Sample
Work Experience
- Impacts the most highly valued external on-going
- Formal Bank Commercial Credit training
- Knowledgeable of MS Office Suite programs, credit analysis software and core operating systems
- Knowledgeable in financial institution operating policies and procedures and banking regulations state and federal
- Perform and maintain credit analysis of counterparties. Perform industry analysis as needed. Deal/transaction reviews and understanding of trading structures, underwriting assumptions and business risks
- Monitor evolution of counterparties and country risks by keeping abreast of economic, political and financial events and contribute to ad hoc analysis of individual countries
- Analyze financial statements of new, renewed, and existing loans
- Prepare spreadsheets, credit proposals for complex credits, summaries, and opinions for loan decision makers
- Oversee and manage financial files to assure accurate reports, statements, and accounts receivable information
- Monitor current accounts for payment progress
- Assist in establishing and maintaining lien perfection of various collateral
- Sit 95% of workday
- Stand 5% of workday
- Use computer keyboard, typewriter, 10-key, and other office equipment
- Knowledge of accounting fundamentals, P&L’s and balance sheets
- Underwrites the most complex commercial loan requests and/or Small Business Administration (SBA) loan requests
- Identifies risks related to borrower operations, industry/sector, collateral, etc. and recommends appropriate loan grades to the most complex credit requests independently based on analysis performed
- Ensures that corporate credit policies and procedures are maintained in compliance with all established and published commercial banking policies/guidelines and regulatory statutes
- Discusses loan structure with Relationship Manager and borrower to minimize bank's risk
- Prepares annual reviews for commercial loan relationships and assists the Relationship Managers in monitoring ongoing financial covenant and/or borrowing base compliance and communicates any compliance violations to respective Relationship Manager and Market Credit Officer
- Inputs financial and tax data on loan origination software/spreadsheets
- Monitors current accounts, watching for any developing problems and keeps Relationship Managers informed
- Assists Relationship Managers with proper pricing of loans to ensure profitability of borrower relationship
Education
Professional Skills
- Demonstrate analytical skills, PC skills and knowledge of Microsoft Office applications and solid organizational skills
- Strong analytical skills, attention to detail, and solid verbal and written communication skills
- Demonstrates strong underwriting and modeling skills
- Highly effective influencing skills, uses appropriate interpersonal and communication skills to gain acceptance of an idea, plan or activity-
- Strong organizational, follow-through and decision-making skills, ability to manage multiple priorities and meet deadlines with minimal supervision
- Competencies: strong drive for action, excellent analytical, inter-personal, communication and problem solving skills
- Excellent professional communication skills, both oral and written with experience in documentation
How to write Senior Credit Analyst Resume
Senior Credit Analyst role is responsible for credit, financial, analysis, microsoft, analytical, interpersonal, excel, risk, word, business.
To write great resume for senior credit analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Senior Credit Analyst Resume
The section contact information is important in your senior 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 Senior Credit Analyst Resume
The section work experience is an essential part of your senior 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 senior 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 senior credit analyst position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Senior Credit Analyst resume experience can include:
- Strong PC skills including Excel, and experience with other Microsoft Office products
- Solid financial analysis skills and experience in quantitative risk management tools
- Possess intermediate skills computer skills - Microsoft Excel and Word for reporting and correspondence via Outlook
- Good credit analysis and research skills (including cash flow analysis / modeling) ideally gained in a mainstream-banking environment
- Strong credit underwriting/risk assessment skills
- Strong interpersonal skills are required including the ability to work well independently
Education on a Senior Credit Analyst Resume
Make sure to make education a priority on your senior 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 senior 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 Senior Credit Analyst Resume
When listing skills on your senior 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 senior credit analyst skills:
- Excellent interpersonal, organizational and communication skills (especially phone skills).excellent follow-up skills and problem resolution
- Strong interpersonal and effective communication skills, excellent business partnering and connecting with multiple functions/stakeholder groups
- Strong and effective planning and organisational skills and ability to manage multiple assignments concurrently
- Excellent communication and interpersonal skills with effective collaboration across departments/ functions
- Strong organization skills / Ability to manage strict deadlines and to operate autonomously, when required
- Excellent interpersonal skill and able to communicate with all levels effectively
List of Typical Experience For a Senior Credit Analyst Resume
Experience For Credit Analyst / Senior Credit Analyst Resume
- Strong financial analysis and credit underwriting skills
- Work in a team environment, and possess strong communication skills is required
- Excellent verbal and non-verbal communication and negotiation skills
- Strong user skills for Excel, Word and PowerPoint
- Experience: 3-4 Years credit analysis experience in a financial institution or similar experience
- Excellent communication, interpersonal skills and the ability to diplomatically communicate and negotiate with internal and external customers
Experience For Hkg-senior Credit Analyst Resume
- Able to demonstrate moderate to superior skills in financial statement spreading and the evaluation of projections
- Client service oriented with strong interpersonal skills; able to follow through on issues to build positive relationships
- Be able to display excellent communication and negotiation skills
- Have strong interpersonal skills in order to build affective relationship with customers and colleagues
- Strong organizational and time management skills, and ability to multi-task and delegate in a time sensitive manner
- Effect time management skills with the ability to manage multiple priorities
- Evaluate credit and financial issues and perform in-depth analysis, strong analytical and communication skills
- Strong analytical skills- expertise in financial analysis, financial ratios, risk assessment and management
Experience For Senior Credit Analyst, Santa Ana Resume
- Good technical and quantitative analysis skills; detail oriented
- Excellent interpersonal skills with focus on quality and integrity
- Excellent analytical skills and ability to formulate decisions
- Well-developed communication skills and ability to develop and maintain good relationship with business areas, dealers, and customers
- Team player with flexible attitude and good communication skills
Experience For Senior Credit Analyst High Yield Resume
- Place a high priority on customer satisfaction and prioritizing tasks
- PC skills, including knowledge of MS Word, Excel, Access, and related software
- Prior experience working with legal contracts
- Solid experience in Credit related work
- Excellent communications skill in English and Mandarin
- Effectively liaise with, and provide guidance to, the business side on all credit related matters
Experience For Senior Credit Analyst, Roofing Resume
- Able to work autonomously, yet effectively contribute as part of a team
- Can interact with clients and outside parties directly and effectively in a professional manner in discussing difficult or complex matters
- Superior analytical, written and verbal communication skills, and ability to interact professionally with all levels of personnel
- Proven work experience as a Sr. Credit Analyst, Financial Analyst or similar role
- Strong experience in SAP
- Performance Bias - Focuses efforts and prioritises work to deliver business value - Skillful
- Performs daily exposure move analysis and builds out management reports to effectively communicate moves within the portfolio
Experience For Senior Credit Analyst, Bangalore Resume
- Effectively communicate ideas to the Portfolio Manager and other Analysts in both verbal and written form
- Pricing Programs experience
- Bank regulatory experience and/or understanding of the Uniform Financial Institutions Rating System (CAMELS rating system) is highly desirable
- Bank regulatory experience and/or understanding of the Uniform Financial Institutions Rating System (CAMELS rating system) is desirable
- Experience communicating customer’s financial performance, providing risk conclusions, and suggesting collateralization instruments
- Demonstrated ability focusing on team work and creating a positive results oriented working environment in line with Volvo values
- Liaise directly with brokers and clients, creating enduring relationships based on trust and excellent customer service
- Experience in credit internally or in banking; or in leasing IT companies
Experience For Fixed Income Alternatives Senior Credit Analyst Resume
- Commercial lending or underwriting/financial analysis experience
- Good understanding of types of security, and managing collateral, used to secure customer trade receivables is essential
- Develops and maintain excellent working relationships with all dealers and guides and instructs them on deal structure and funding requirements
- Good understanding of credit and rating processes
- Work experience that includes interpreting financial statements and preparing cash flow analysis
- Experience with the CDIA Credit reporting resource guide and Metro 2 reporting format
- Strong finance culture and proficient understanding of the local Corporate banking environment
- 1 – 2 years credit analyst/underwriting experience underwriting commercial loan requests
- High level of initiative and experience developing and implementing value added investment recommendations
Experience For Senior Credit Analyst, Institutional Banking Resume
- Demonstrated understanding of implications for working within a regulated environment
- Experience in one or more of the following areas: loan/credit underwriting, portfolio asset management or credit/risk management
- Experience in a trading environment, ideally within an energy trading company, energy supply company or oil major
- Experience in a role requiring the building and maintenance of relationships across a range of roles and seniority levels at both internal and external levels
- Commercial underwriting experience within a bank or leasing organization
- Experience with consumer reporting agency products and services, credit bureau reporting
- Intermediate experience with SQL querying/programming
- Good understanding of F&A processes and tools
Experience For Senior Credit Analyst / Portfolio Manager Resume
- Strong basic financial accounting knowledge
- Experience in Commercial Credit (CRE, C&I, Ag, SBA), financial statement and underwriting analysis
- Credit Analyst experience in a banking environment
- Develop strong relationships, with Risk Management, in order to improve and maintain efficient credit monitoring processes
- Good knowledge of the financial institution's commercial real estate lending procedures
Experience For Senior Credit Analyst, EFS Resume
- Commercial banking or related credit risk management experience
- Credit analysis experience in a banking environment
- Experience in advertising technology and high-tech industries highly desirable
- Heavy equipment or commercial lending experience highly desired
- Experience with Banking systems AFS, IBS, Moody's, STOC
- Experience of building direct customer relationships across a varied portfolio of customers is essential
- Related work experience in the financial services industry focusing on Commercial Credit
List of Typical Skills For a Senior Credit Analyst Resume
Skills For Credit Analyst / Senior Credit Analyst Resume
- Good time management skills and the ability to prioritize multiple tasks
- Outstanding interpersonal and communication skills with a demonstrated ability to working in team environment
- Possessing confidence, experience, and skills to support organizational activities
- Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client
- Excellent skills in using Microsoft Excel and Word
- Good report writing skills combined with commercial acumen and the ability to analyse a problem and explain the results to senior management
- Demonstrably strong business English and Mandarin written and speaking skills are essential
- Strong negotiation, influencing and collaboration skills with the ability to work across business units and corporate office departments
- Strong oral and written communication and problem solving skills
Skills For Hkg-senior Credit Analyst Resume
- Strong analytical and cash flow modeling skills
- Strong knowledge in commercial leading and trade finance products and own good sense of judgment and strong analytical power
- Operates effectively as part of a larger team and in managing own work. Is assigned tasks of moderate complexity
- Excellent communication-, interpersonal- , writing and analytical skills
- Good written and verbal communication skills with the ability to interact and communicate complex information to management and non-credit colleagues
- Strong skills with Microsoft Office products (Word, Excel and PowerPoint)
Skills For Senior Credit Analyst, Santa Ana Resume
- Strong team player with the ability to deal effectively with all levels and functions within the organization
- Possess leadership qualities, strong analytical, communication, and managerial skills
- Financial statement analysis skills and experience required
- Strong communication skills in English, Chinese languages, or Japanese and South East Asian language - ideal
- Strong technical credit analysis, credit support and legal knowledge with associated risk assessment and research skills
- Experience in Word, Excel, Microsoft Office, Internet and related computer skills
- Good hands-on PC-based computer skills: spreadsheets; databases
- Excellent communication skills, particularly in the context of report writing and oral presentation
Skills For Senior Credit Analyst High Yield Resume
- Proven facilitation and conflict management skills
- Solid analytical skills and business intelligence
- Strong technical skills with focus on Excel and financial modeling
- Client service oriented with strong interpersonal skills; able to follow through on issues and build positive relationships
- Highly motivated, quick learner, able to multitask with good time management skills
- Strong written communication and analytical skills
- Experience of working in a financial services environment. Strong understanding of lending best practice, policies and procedures
- Fluent in English. desirable Spanish language speaking, reading and writing skills
Skills For Senior Credit Analyst, Roofing Resume
- Strong experience evaluating real estate using the sales, cost, and income approach, including direct capitalization and discounted cash flows
- Specialized experience in financial service in banking or risk management. Advantage with experience dealing with FRB compliance
- Established credit underwriting and analytical skills, including familiarity with personal credit bureau reports, commercial business reports
- Strong credit underwriting experience taking a credit decision independently
- Prior working experience in Credit Risk Analysis for a large corporation or a Banking / Financial Company is required
- Credit analysis experience in the financial services/lending arena with experience in working with commercial firms and high net worth individuals
- Strong experience completing loan presentations, underwriting both new and renewal investment commercial real estate loan requests
Skills For Senior Credit Analyst, Bangalore Resume
- Experience in an operational environment (ideally obtained within banking and finance) Experience in course design and development
- Business Awareness - Demonstrates clear understanding of the business context of the company and the BU - Skillful
- Proven experience of identifying profitable investment opportunities based on extensive fundamental research on leveraged issuers in European credit market
- Clear communication skills, ability to explain credit decisions and an understanding of compliance related issues
- Sr. Credit Analyst: 7+ years of experience with 5 years of indirect lending and lease experience, preferably with a captive organization
Skills For Fixed Income Alternatives Senior Credit Analyst Resume
- Demonstrated experience and deep knowledge of working with data structures
- Strong experience at utilizing Microsoft Office (Excel, Word, Outlook)
- Commercial collections and deduction resolution experience in fast moving consumer packaged goods environment
- Effectively summarise and communicate findings using appropriate written and graphical techniques in Excel and PowerPoint
- Proven excellence in building strong relationships with internal partners
- Experience of Credit Reporting experience
- Above average interpersonal and communication skills
Skills For Senior Credit Analyst, Institutional Banking Resume
- Balance multiple responsibilities efficiently and effectively
- Demonstrated leadership through extracurricular activities and internship/work experience
- Develop analysis skills in depth in the high yield space
- Work effectively within a team, sharing best practices and fostering a positive team spirit
- Strong knowledge of Microsoft Excel, and also experience of Microsoft Word and PowerPoint
- Effectively present information and respond to questions from groups of managers, customers, and members of the general public
- Solid in experience in Credit or Risk Management in a banking or financial services environment
Skills For Senior Credit Analyst / Portfolio Manager Resume
- Recent regional commercial credit analyst experience with proven ability to work on increasingly complex deals
- Communication and negotiation skills - both verbal and written
- Communicate effectively and efficiently within the Credit Dept. in support of the Dept. goals
- Knowledge/experience in Mortgage products and operations, essential Knowledge/experience in Secured credit, essential
- Strong experience in Customer Service and Sales, desirable
- Experience as a Credit Analyst or demonstrated ability
- Demonstrable financial modelling and credit analysis skills
- Fluent English and Mandarin, both verbal and written skills
Skills For Senior Credit Analyst, EFS Resume
- The initiative, ability and organisational skills to take responsibility for a portfolio of credits
- Communicate effectively throughout most levels of the organization
- Ensure that any credit acceptance terms and conditions effectively mitigate risk and meet the risk policies and lending appetite of HCBF
- Experience in of B2B credit or collections experience
- Strong experience in credit analysis and risk management in a Bank / Aviation
- Excel in computer skills – Word, Excel, Power Point, etc
List of Typical Responsibilities For a Senior Credit Analyst Resume
Responsibilities For Credit Analyst / Senior Credit Analyst Resume
- Assist the Corporate Credit Controller as appropriate to formulate recommendations on setting customer credit limits and agreements for customers as well as to monitor existing customer’s credit limits for reasonableness
- Primary responsibility for assessing and ongoing monitoring of high yield issuers within assigned sectors including idea generation, financial analysis, assessment of news
- Prepare written and verbal presentations for actual and prospective bond and loan holdings, demonstrating a sound understanding of the key risk drivers and opportunities
- Develop an in-depth understanding of assigned sectors, including preparing and presenting periodic sector reviews to assist with idea generation and portfolio positioning
- Conduct relative value assessments - across issuer capital structure and within given industry with a view to providing market relevant buy/hold/sell recommendations
- Proven experience in the leasing/banking industry, with some years of directly related experience
- Strong written and verbal communication skills, team oriented, self-starter and very organized
- Communicate effectively (phone/email)
- Experience in accounting or finance, with 1 year of experience in credit or collections desired
Responsibilities For Hkg-senior Credit Analyst Resume
- Experience in cash forecasting
- Excellent financial modeling knowledge
- Experience in credit and risk analysis
- Experience in financial, ratio, and trends analysis
- Good command in written and spoken English, Cantonese and Mandarin
- Experience within a senior Credit/Accounts Receivable role
Responsibilities For Senior Credit Analyst, Santa Ana Resume
- Relevant experience in Credit Risk within a Bank or Trading House covering the Commodity Sector
- Experience with Master Agreements that are used in the Commodities Trading market
- Experience in credit and risk management
- Strong trade finance product knowledge
- Demonstrated ability to interpret customer financial statements
- Responsible for audits of loan files prior to and after funding is obtained
- Commercial collection experience in a fast paced and high-volume environment
- Reliable, flexible and good team player
Responsibilities For Senior Credit Analyst High Yield Resume
- Over three years of relevant experience as a Credit Analyst
- Analyze customer requests, conduct research, and formulate effective resolutions
- Proven ability to provide mentorship and guidance to team members
- Work in a fast-paced environment, multi task and priority set
- Understanding and / or experience of credit scoring, scorecards and scorecard development particularly in a retail environment
- Understanding and/or experience of wholesale B2B funding
- One to two years’ experience as an Analyst in a corporate banking ,investment banking or public accounting team
Responsibilities For Senior Credit Analyst, Roofing Resume
- Experience drafting and/or maintaining policies and/or procedures within a regulated commercial lending institution
- Develop strong working relationships with the CAM’s and GRM to optimize overall processing time
- Draft and/or review processes and procedures on an annual basis. Identifying improvements to existing risk processes to enhance operational effectiveness
- Experience of lending to Major Corporate and LBO financing
- Experience of lending to and analysing project finance and/or structured finance / securitization / asset-backed propositions in the EMEA region
- Experience working with internal and external auditors within a regulated commercial lending institution
- Strong understanding of the Swiss Large and Mid-Caps market
- Credit & collection system experience as well as dealing with legal cases are preferable
Responsibilities For Senior Credit Analyst, Bangalore Resume
- Strong modeling abilities; able to convey technical information clearly
- Proven exposure to Trading/Finance/Risk Management
- For credit analyst at least 5 years and senior credit analyst 10 years experience in corporate credit/finance/accounting capacity
- Sr. Credit Analyst: Experience supervising a team within an operative unit desirable
- Significant experience of credit assessment and management in a relevant working environment
- Previous experience and accountability for working with an assigned credit adjudication limit
- Loan or lease structuring experience
- Related experience dealing with property (sales and mortgage) data
- Previous Credit Risk experience including exposure to Basel, IRB & IFRS9, preferably in a retail environment
Responsibilities For Fixed Income Alternatives Senior Credit Analyst Resume
- Knowledge and experience with credit reporting agencies such as S&P, D&B, and Credit Risk Monitor
- Designs or creates queries to extract the desired data, formats the data and validates the results and creates/runs supporting reports
- Identify and accommodate shifting priorities with little notice
- Commercial credit experience, preferably in a manufacturing environment
- Experience of consumer and commercial underwriting, credit bureau data and reports, business accounts etc
- Demonstrates consistency in underwriting practices and credit decisions and ensures Credit Analysts' adherence
Responsibilities For Senior Credit Analyst, Institutional Banking Resume
- Experience in multi-national manufacturing business
- Experience managing credit in Canada and international locations
- Experience working in an organization with detailed Sarbanes-Oxley Act (SOX) and regulatory compliance policies and procedures
- Experience in credit risk
- Ensure ongoing strong asset quality within various business segments of the Key Equipment Finance portfolio
- Competently support the success of SFS Business Units with excellent and comprehensive Borrower evaluations in a timely manner
- Lead the work to maintain and improve SOP’s for effective collections strategies at the FSS
- Lead the work to maintain and improve SOP’s for effective order hold/release process at the FSS
Responsibilities For Senior Credit Analyst / Portfolio Manager Resume
- Evaluating numerous transaction types and conducting analysis of the collateral, originator, servicer and developing/analysis of cash flow modeling
- Ensuring the development of and creating succession plans for team members, including identification of high potential performers
- Assisting Portfolio Managers in underwriting and managing the Structured and Project Finance Assets portfolio
- Working with credit analyst in reviewing existing credits
- Negotiating key contractual terms relating to credit working with Legal, Contracts and counterparties
- Speaking engagements/publishing of position papers to enhance the firm’s profile
Responsibilities For Senior Credit Analyst, EFS Resume
- Working knowledge of credit standards, procedures, systems and processes
- Processing of new credit applications, review of company’s financial statements, and assign lines of credit
- Performing business analysis on current and potential clients and make supported
- Managing a portfolio of existing wholesale clients
- Working knowledge of futures/options and securities markets
- Establishing credit lines & monitoring
- Drafting Transaction-Related Documents. Draft offering memorandums, and other communications with clients and participant banks
- Providing quantitative/analytical and qualitative support for investment grade corporate securities
- Presenting credit ideas to the PM/fixed income team supported by a well-developed investment thesis