Credit Analyst Resume Samples

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E Quitzon

Ethyl

Quitzon

728 Nolan Centers

Los Angeles

+1 (555) 697 4729

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Experience Experience

Boston, MA

Credit Analyst

Boston, MA

Orn and Sons

Boston, MA

Credit Analyst

Negotiating financial transactions and prepares transactions for documentation within limits of credit authority. Assisting in negotiating financial and in preparing transactions for documentation for transactions in excess of credit authority. Assisting in administration of wholesale and retail customer "loan" covenant compliance reviews, including on-site record and physical machine/inventory audits
Negotiates financial transactions and prepares transactions for documentation within limits of credit authority. Assists in negotiating financial and in preparing transactions for documentation for transactions in excess of credit authority. Assists in administration of wholesale and retail customer "loan" covenant compliance reviews, including on-site record and physical machine/inventory audits
Training and Development
Conduct financial analysis of transaction opportunities: analyze financial statements & other personal and credit data to determine the credit worthiness of applicants, interview customer, review industry data, third party reports (appraisal report, environmental and property condition assessment), product type, customer base and macro-economic climate
Responsible for mastering the details of a specific industry or industries eligible for direct financing or participation with other lenders. Duties include data assembly and presentation in verbal or written format that disseminates knowledge within the company. Expertise is essential for the successful business development in a team approach with other staff (ABF, retail/relationship lenders, and appraisers). May participate as a part of a sales call, or in an event to promote Association’s image as an industry expert including serving as a spokesperson for the Association on industry(ies), and lead industry research and serve as an internal resource for other ABF, Regional and Credit Underwriting team members.
Providing input to other functional areas in the use of capabilities to maximize ROI and credit worthiness of portfolio
Working knowledge in various inventory finance programs and agreements

present

New York, NY

Credit Analyst

New York, NY

Zemlak, Eichmann and Daugherty

present

New York, NY

Credit Analyst

present

Credit Exposure Monitoring: ensure transaction and collateral security remains within approval guidelines; documentation, covenant and financial compliance of the transaction/ borrower. Is vigilant in maintaining portfolio of high quality risk via timely borrower and portfolio reviews; identifies potentially deteriorating risk situations, recommends remediation to ensure safety of bank’s funds
Effectively analyze credit applications utilizing the current Credit Guidelines and Practices & the “Fair Isaac” credit scoring model to and provide a complete assessment of the applicant's credit risk. Make recommendations, & credit decisions within their approved credit authority. Maintain average to above average buying standards (quality & volume)
Performing transactional analysis and pro-actively engage to mitigate risks in the transaction
Supporting the corporate credit manager
Working knowledge of financial statements and financial statement analysis
Developing metrics for management
Prepaqre financial, collateral, historical, performa and sensativity analysis and presents in proper format current financial information, including comparative spreadsheets for operating companies, economic analysis for commercial real estate projects; analysis of personal tax returns; cash flow analysis, etc. in order to assess the financial condition of new and/or existing customers

Education Education

Bachelor’s Degree in Finance

University of Oregon

Bachelor’s Degree in Finance

Skills Skills

The ideal candidate will have strong quantitative skills; good interpersonal skills; good written and communication skills; and be able to learn quickly
Excellent ability to analyze credits, as well as a detailed knowledge of lending structure and sources and uses of cash
Strong knowledge of MS Excel, good knowledge of MS Word and SAP
The ability to understand the part they play in building a strong CCB culture that enables our teams to deliver remarkable experiences to our clients
Strong knowledge and ability to analyze financial statements, tax returns and cash flow
Excellent PC skills along with a good knowledge of MS Excel and MS Word
Good knowledge of Ms Office skills (Microsoft Word, Excel) to be able to master proprietary software
Able to quickly learn new systems and technology. Knowledge and/or expertise in related area of responsibility
Ability to write credit reports and business correspondence. Ability to effectively present information and respond to questions professionally
Candidate will pay strong attention to detail, with the ability to recognize reporting and processing errors

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Credit Analyst Resume Examples & Samples

Effective communication skills both written and verbal
Previous customer service, banking and/or call centre experience preferred
Ability to analyze multiple sources of information to determine best course of action
Demonstrated problem solving and analytical skills, ability to make swift, sound decisions
Strong computer skills; proficiency in a Windows based environment
Strong listening skills with the ability to probe for additional details
Demonstrated persuasion skills
Must be very willing to work in an environment that requires heavy phone-based customer interaction
Must be flexible to work a variety of shifts
Must be able to work full-time work week (40 hours per week), including holidays and weekends
We thank all applicants for their interest in this position, however only successful candidates selected for an interview will be contacted***

Credit Analyst Resume Examples & Samples

Using SAS, develop statistical analysis, strategy, and reporting for usage in the management of: underwriting, line assignment, existing customer management, marketing campaigns, and collections
Develop business logic, pricing strategies, business forecasts, while optimizing profitability
Utilize database management, reporting, and analysis software to store, organize, and manipulate data from reporting and production databases
Utilize advanced statistical software to develop analysis, strategies, forecasting, and reporting capabilities
Present findings and make recommendations to Risk Management team

Credit Analyst Resume Examples & Samples

Develops and maintains an active research opinion on assigned fixed income sectors consistent with the firm’s research process
Lead thought by accurately identifying investment opportunities and risks within assigned research sectors, issuers and issues
Supports the firm’s portfolio investment process via effectively advocating the research opinion into the portfolio management teams
Work under limited supervision to analyze and solve complex financial and portfolio related analytical work
Remain conversant on GAM US’s fixed income research outlook and assigned mandate strategies
Effectively communicate with a variety of audiences, tailoring communication style accordingly
Bachelor’s degree in finance, business or related field
Commitment to become a CFA Charterholder
3+ years investment-related experience
Working knowledge of financial markets, economic concepts and interest rates
Strong interpersonal, oral, written and presentation skills
Excellent technical skills – Excel, Access, Bloomberg, etc. Must have the ability to learn and apply new software programs
Proficient in performing and understanding typical investment-related calculations and proficiency in statistics
Demonstrated ability to use logic in developing a wide range of intellectual and practical solutions related to portfolio management
Strong time management and organizational skills with the ability to handle multiple projects on an ongoing basis in a fast paced ever changing work environment
Strong ability to interact with all levels of staff. Must be able to maintain relationships that will relate to the overall success of the established firm goals
Ability to work independently and with a strong attention to detail

Credit Analyst Resume Examples & Samples

Bachelors Degree in Finance, Accounting, Economics, or Real Estate, plus 2-5 years of experience in real estate lending or equivalent is preferred
1-5 years of financial analysis / commercial real estate credit experience, or fundamental knowledge of debt financing, collateral and valuation concepts
Previous commercial real estate or commercial banking experience is preferred
Proficient in MS Word, Excel, and Outlook

Credit Analyst Resume Examples & Samples

5 years experience in banking, financial institutions or accounting
Citi Credit Officer with a credit initial of $5MM
Word and Excel
Business/finance degree or equivalent
Post graduate qualification

Credit Analyst Resume Examples & Samples

1-3 years experience in commercial credit analysis
Proficient in financial analysis
Experience communicating customer’s financial performance and providing risk conclusions
Knowledge of Letters of Credit and other security instruments
Training in financial/credit analysis is desired
Understanding of bankruptcy law is desired
Bachelor’s degree in Business, Finance, Economics, Accounting or a non-business 4-year degree in combination with an MBA

Credit Analyst Resume Examples & Samples

Own the day-to-day processing of financial information for a number of large corporate customers
Act as liaison for review of customers financials with RDs, RSMs, Credit and other relevant stakeholders
Use Zeus to analyse historic and projected financial information to identify key issues and monitor compliance with covenants and terms prior to discussing with Relationship Director
Responsible for ensuring Regulatory and Internal procedures are followed for Monitoring and Control criteria
Responsible for collating and managing customer produced financial information and input on Zeus or co-ordinate input by Remote Input Area
Use knowledge of monitoring and control procedures to make recommendations to RD on protecting the Group from losses and managing high value facility risk
Take ownership of urgent credit related matters such as reporting late management information and breaches
CA/CFA/FRM or Post-graduate or MBA
Strong financial statements analysis skills
Prior experience in analysing management information, unaudited and audited accounts
Ability to take complete ownership of work and work with minimum supervision
Aptitude to work in a dynamic business environment, periodically requiring tight deadlines and aggressive turn-around time
Flexible with working in shifts

Credit Analyst Resume Examples & Samples

Excellent oral communications skills (grammar, positive tone, active listening, etiquette, empathy, confidence)
Excellent written skills (spelling, logical thought processes and sentence construction, appropriate word choice)
Extremely customer-focused; positive, professional attitude
Intelligent, self-motivated, quick learner and detail oriented
Strong PC and internet skills
Very good organization and work prioritization skills
Prior Judgmental Lending experience preferred
Knowledge of TSYS preferred
Knowledge of Microsoft Office applications preferred
College level education preferred

Credit Analyst Resume Examples & Samples

Implement the credit risk control framework (principles, policies, processes and authorities)
Review, approve requests or make recommendations to the authority holder
Exercise judgment and escalate decisions to higher authority levels, as needed
Participate in portfolio reviews to identify risk developments and/or concentrations
Ensure all regulatory requests, audit items and operational risk issues are dealt within a disciplined, timely and efficient manner
Preferably some prior experience in a risk function
Good communication skills and ability to explain any credit decisions /conditions to the Origination units in an understandable and respectful manner (the ability to communicate in Cantonese or Mandarin will be a distinct advantage)
Efficient, accurate and timely delivery within the function
Ideally a Degree qualification (preferably in Banking and Finance)
Ability to work under pressure and independently with minimal supervision
Strong analytical skills to assess a problem
Ability to identify issues and escalate to appropriate parties such as legal, compliance and tax
Satisfactory product knowledge in foreign exchange, equity derivatives and structured products

Credit Analyst Resume Examples & Samples

1) Evaluate the creditworthiness of Japanese financial institutions and/or corporations and prepare credit write-ups to recommend internal credit ratings and credit risk exposure limits
2) Monitor daily credit events and quarterly financial results of existing clients
Ability to analyze and think logically
Japanese language proficiency
At least intermediate skills in computer spreadsheet calculations
Commitment and willingness to learn
Team player; team orientated
Bachelors Degree and above
Relevant experience in credit risk management, credit analysis, or research
Derivative product knowledge such as swaps, options, repo, commodities, etc
Strong academic record and evidence of commitment to continuing professional growth, such as MBA,CFA,CPA,etc
Extended study abroad or working experience in an English-speaking country, or work experience in a foreign financial institution in Japan

Credit Analyst Resume Examples & Samples

Bachelors Degree - Business, Finance, Real Estate, or Accounting is preferred
1-3 years of financial/credit analysis and spreading of multifamily and commercial real estate properties cash flows and operating statements preferred
"Can-do" positive attitude, open willingness to learn and adapt to new policies, procedures and concepts
Must possess excellent communication skills (verbal & written)
Ability to work on multiple transactions simultaneously and to meet service level/turn time deadlines

Credit Analyst Resume Examples & Samples

Provision of information on a customer's business via research, using various sources e.g. trade journals / brokers reports / Internet / Bloomberg and rating agencies
Deliver professional advice on risk management matters, industry and product sets, competitor activity and the timely involvement of external specialists
Develop highly thought out, top quality credit analysis and solutions, with the view to obtaining credit approval from Credit Sanctioners/Credit Committees
Be a point of contact for credit management purposes for customers, accountants, solicitors and other professionals
The preparation of credit proposals for recommendation and presentation directly to the Sanctioner and/or Committee on behalf of the Relationship Point
Creation/verification of customer grading and severity, ensuring the optimal use of financial modelling and grading tools
Responsible for the first class analysis of financial information produced by customers
Superb knowledge of the credit analysis process across the Corporate Banking sphere
Highly analytical and strong numeracy skills
Very decisive and ability to reason decisions through
Strong internal and external networking
Able to work to tough deadlines in a pressure environment
Strong initiative, strong intellect, adaptable and innovative - producing a practical and pragmatic approach
Fully fluent in spoken and written Spanish

Credit Analyst Resume Examples & Samples

Bachelors Degree - Business, Finance or Accounting preferred
Adept at financial analysis
Tenacious problem-solver; pursues an issue until it is completely resolved to the satisfaction of the parties
Can-do attitude, willingness to learn
Must possess excellent communication skills (verbal & written
Advanced knowledge of the MS Office Suite with an emphasis on Excel, Access and PowerPoint
Ability to multitask in an ever-changing environment

Credit Analyst Resume Examples & Samples

Speed and accuracy in data entry
Ability to communicate clearly and courteously on the telephone
Ability to work as part of a team and under pressure
Bilingualism – written and spoken, French and English
Redit knownledge

Credit Analyst Resume Examples & Samples

Act as a subject matter expert in all areas of credit adjudication, policies, processes and risk management for personal credit and RESL
Demonstrate strong credit acumen with confidence to decision all deals within designated limits and within Banks’ risk appetite
Ensure that the knowledge is kept current in regards to credit policy, products, pricing, sales campaigns, and new rollouts
Contribute to department SLA by ensuring risk assessment of applications takes place as quickly as possible based on complexity of credit and amount of due diligence required
Be knowledgeable of and comply with Bank Industry Codes of Conduct
Acts as a reference point for other team members
Analyze credit applications through credit bureau assessments and other factors to make informed decisions
Achieve operational effectiveness by following credit adjudication guidelines and processes while meeting Service Level Agreements
Protect the interests of the Bank by ensuring credit is adjudicated in accordance with assigned discretionary limits and established guidelines
Perform required due diligence in support of all credit applications
Maintain good relationships with partners including responding to questions and concerns
Participate in the negotiation and resolution of escalated issues while maintatining strong collaborative relationships
Provide technical knowledge and guidance to internal partners and retail distribution
Ensure escalations are handled appropriately by utilizing the established standard operating procedures both internally and externally
Identify and manage areas of risk and escalate as necessary

Credit Analyst Resume Examples & Samples

Knowledge Requirements
Understand and interpret property operating statements and personal financial statements of individual sponsors
Proficiency in MS Office - Excel (financial modeling), Microsoft Word, PowerPoint
Identify and elevate issues in a timely manner, formulate and propose effective solutions
Any combination of education/and or experience consistent with the above that would demonstrate the capability to perform the duties of the position

Credit Analyst Resume Examples & Samples

Own the day-to-day credit relationship for a nominated portfolio of customers
Act as liaison for risk management information purposes with RSMs, accountants, solicitors and other relevant people
Co-ordinate the interface with LB Risk for the nominated portfolio of customers
Create Zeus credit applications on behalf of RDs (applying judgmental input) and collate paper attachments
Occasional customer visits with the RD to discuss lending proposals in detail, making recommendations as appropriate
Responsible for collating and managing customer produced financial information and input on Zeus or co-ordinate input by audited accounts team
Populate Zeus with annual reports & supplementary credit information for target accounts. Use expertise and judgement to make recommendations to the RD regarding credit issues for these customers
As required, develop and maintain contacts with credit-related specialists in other branch sectors and other areas of the Group (e.g. for specific industry-related risk issues)
Good communication and presentation skills (written and verbal)
Confidence to make recommendations, using influencing skills as appropriate (up to RD level)
A strong customer focus
A strong commercial awareness
Quality conscious
Keyboard skills and strong Word, Excel and PowerPoint user
Proficient in use of internal computer systems including Customer System, Zeus, Customer Relationship Management System and any other platform applications
High level of analytical and numeracy skills

Credit Analyst Resume Examples & Samples

Administering and enforcing company Credit Policies and procedures, assessing credit worthiness and recommending credit limits
Analysis of Financial Data for all customers and providing proactive Risk Management/reporting to Finance and Sales management
Maintain appropriate documentation and transparency to support basis and rationale for customer credit decisions and limits
Monitor changes in economic, industry, and customer conditions evaluate potential changes to customer's credit worthiness (risk tolerance)
Advising and recommending changes to policy and procedure
Implement best practices and process improvement where appropriate

Credit Analyst Resume Examples & Samples

Perform risk sensitivities using cash flow models in Excel, Intex or Bank proprietary models
Prepare credit reports in a manner consistent with the Bank's policies and procedures
Report portfolio development to the appropriate Risk committees
Project finance structures,
Project risks and commercial rationale
Main industries covered
Credit analysis skills

Credit Analyst Resume Examples & Samples

Strong credit analyst that can come in and work for serveral Commercial Lenders
Must have 3+ years of Credit Analysis experience in banking
Must be a self started, self motivated
Must pay attention to details

Credit Analyst Resume Examples & Samples

5+ years of experience within the Accounts Receivable Department
Experience in Pharmaceutical, Retail, or Surgical Accounts
Microsoft Excel proficient (Pivot Tables and V-lookups)

Credit Analyst Resume Examples & Samples

Familiar with loans secured by marketable securities as well as residential mortgages
Excellent computer skills, including Microsoft Word and Excel
3+ years' experience and proven success in area of credit risk analysis focused on small business lending in a private bank, commercial bank or wealth management organization
Able to analyze personal financial statements, cash flow, tax returns and relevant documentation

Credit Analyst Resume Examples & Samples

2+ years of experience in progressively responsible positions within the Accounts Receivable Department
High School Diploma plus 2 years of college level course
Intermediate level Excel skills including pivot tables, downloads, etc
Knowledge of established Sox procedures and compliance at a publicly traded company of equal size
Pharmaceutical or Manufacturing experience
PeopleSoft ERP system experience
Able to multitask efficiently and effectively

Credit Analyst Resume Examples & Samples

2+ years of experience within an Accounts Receivable Department/Credit & Collections Department
Experience in Pharmaceutical, Retail, or Surgical accounts
Ability to work in a call center environment with a high call volume
Some college education

Credit Analyst Resume Examples & Samples

2+ year of Credit Analysis experience
Previous Collections experience
Good experience reading documents
PeopleSoft experience

Credit Analyst Resume Examples & Samples

BA in finance or related career
3 years or more experience as credit analyst
Senior management experience in credit application area
Experience in credit underwriting for Japanese oriented borrowers is preferable

Credit Analyst Resume Examples & Samples

University degree, ideally with a relevant Accounting, Finance, or Economics focus
At least 4-5 years of relevant experience in wholesale banking environment, with product knowledge and understanding of credit risk developed through previous role
Knowledge of regulatory and economic capital would be advantageous
Numerical, with excellent analytical skills and the ability to connect external trends with business activity
Confident communicator, with excellent interpersonal and negotiation skills
Strong multitasking ability, with a keen eye for detail
Highly motivated, eager to accept new challenges, and able to work under pressure

Credit Analyst Resume Examples & Samples

Documentation: ensure appropriate documenting of all legal, compliance and credit risks per guidelines and approvals. Coordinate the preparation and execution of legal documentation; term sheets, offer letters, and new accounts, including KYC client profile, as required
Credit Exposure Monitoring: ensure transaction and collateral security remains within approval guidelines; documentation, covenant and financial compliance of the transaction/ borrower. Is vigilant in maintaining portfolio of high quality risk via timely borrower and portfolio reviews; identifies potentially deteriorating risk situations, recommends remediation to ensure safety of bank’s funds
Collateral Monitoring: responsible for ongoing collateral evaluation; ensure remediation of shortfalls / close outs
Client Servicing: coordinate loan draws and roll-overs with Credit Management; attend and respond to requests from clients/PRMs; and effectively resolve issues and/or problems; also
Partnership: maximize partner relationships and refer cross sell opportunities to appropriate professionals in RBC WM and RBC enterprise
College/University Degree (or equivalent), preferably in business or finance
3+ years credit origination and underwriting experience, preferably with HNW &/or Private Banking clientele
Client Service, including problem resolution
Results Oriented by executing goals within timelines & acceptable risk levels
Good interpersonal, influencing, negotiating & communication (written & oral) skills
Prioritize, streamline & simplify work for self & others
A change adopter, embracing change
Solid knowledge of RBC credit products, associated legal structures, documentation, policies, procedures, practices
Good financial accounting, analysis and credit risk assessment skills
Proven new business development and sales effectiveness (i.e. from early identification of business opportunities, through closure, onboarding and after-sales service)
Good knowledge of securities, investments, including margin, insurance and trust products as well as regulatory, compliance and jurisdictional requirements for banking and credit including KYC, AML etc
Fully PC proficient including Microsoft applications WORD, EXCEL, PPT and proven ability to quickly learn and easily adapt to in-house credit & other workflow systems
RBC maintains consistently high credit ratings: S&P: AA-; Moody’s: Aa3; Fitch: AA; DBRS: AA (as of July 2014)
RBC employs more than 79,000 full-and part-time employees who serve more than 16 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 44 other countries

Credit Analyst Resume Examples & Samples

Candidates should have strong background of financial research or corporate accounting
Analyst experience is not necessarily required, but enthusiasm and commitment to financial analysis is strongly desired
Familiarity with corporate fixed income and CDS markets and basic understanding of bond pricing concepts are preferred
High Excel skills (for financial modelling, forecasting, data analysis and charting) are necessary
Natural inclination towards a team-based, collaborative environment. Clear spoken & written communication skills are required, as the role involves a great deal of interaction with portfolio managers & fellow investment analysts

Credit Analyst Resume Examples & Samples

Minimum 2 years fundamental credit analysis experience
GE will only employ those who are legally authorized to work in the United States for this opening. Any offer of employment is conditioned upon the successful completion of a background investigation and drug screen
Must submit your application for employment through www.gecareers.com to be considered
Must be willing to travel up to 10%, if applicable
Knowledge of financial institution credit risk concepts. Master in Business Administration (MBA)

Credit Analyst Resume Examples & Samples

Effectively analyses and models financial data, proactively uses information and contributes to investment thinking within the department and ensures own best ideas are represented in the Funds
Provides general support for the Fund Managers in preparing presentations, reports etc
Demonstrable analytical experience, ideally in credit analysis gained through accounting/trainee accountancy programme or relevant experience in Credit
Analyst role, financial or investment field
Attained relevant T&C category exams or exempt due to being ‘grandfathered&#8217
CFA (Chartered Financial Analyst Qualification) desirable

Credit Analyst Resume Examples & Samples

Prepares financial statements spread sheets and independent credit analyses on the Bank’s existing or potential commercial customers. Performs historical trend and ratio analysis and properly assesses cash flow, collateral, industry risks, guarantor strength and all other major risks to the bank in lending to these customers
Interacts with commercial lending officers to gather information relative to a customer being analyzed or to discuss issues with the credit Qualifications
Minimum of two years of credit analysis experience. Sound knowledge of Bank loan policy, compliance, and loan operations

Credit Analyst Resume Examples & Samples

Perform financial analysis on loan applications
Prepare loans in accordance to all commercial lending policies
Development of credit memos
Perform annual reviews of commercial loans
Provide new risk analysis based on updated financial information
Assist the Credit Manager with loan tracking
Validate loans to ensure compliance with covenants
Order commercial real estate appraisals and environmental reports

Credit Analyst Resume Examples & Samples

Contact customers by e-mail, mail, fax, internet or telephone to secure claim copies, arrange repayment or resolve disputes on deductions
Contact HBI personnel (to monitor status and type of deductions), to assist on collection/deduction-related matters
Use the HBI Trade Promotion System to match claims
Preparing monthly management reporting and trend analysis on deductions from customers
High School diploma required. Associates/Baccalaureate degree in Business Administration or equivalent experience is preferred
Excellent interpersonal, organizational, and negotiating skills
Knowledge of and experience in the tools of deduction resolution and credit risk management
Working knowledge of the full Microsoft Office Suite as well as basic PC desktop operating systems
Previous management of and responsibility for accounts receivable portfolio preferred
Working knowledge of SAP FI/CO and Deduction Management System preferred

Credit Analyst Resume Examples & Samples

High School Diploma or GED required
Minimum 4 years of credit analysis or financial analysis experience required
Minimum 4 years of experience in a banking or financial services environment required
Must be capable of working well independently and in teams
Good verbal and written communication skills to present clear and precise recommendations based upon analysis for action on loans and loan treatments
Represents basic qualifications for the position. To be considered for this position you must at least meet the basic qualifications

Credit Analyst Resume Examples & Samples

Evaluate new credit applications, review and align established customers credit lines
Attend customers’ locations (visits) to review financial statements/opportunities as required
Communicate recent events and trends impacting performance within the industries underwritten
Degree in Finance/ Economics or equivalent
Proven experience in the leasing/banking industry
Proven analytical, problem solving, and process oriented skills
Ability to work in intense, highly time critical environment
Country / Sector Analysis - high level understanding of economic and political factors influencing corporate risk

Credit Analyst Resume Examples & Samples

Must exhibit a desire to learn about Automotive Financing (including VCI credit policies, procedures and products), and other aspects of the Automotive industry
Effectively analyze credit applications utilizing the current Credit Guidelines and Practices & the “Fair Isaac” credit scoring model to and provide a complete assessment of the applicant's credit risk. Make recommendations, & credit decisions within their approved credit authority. Maintain average to above average buying standards (quality & volume)
Must thoroughly and logically document credit decisions
Work under the supervision of the Regional Credit Manager and other Senior credit staff members in the review of assigned credit applications
Must respond to all dealership inquiries in a timely and consistent manner
Effectively deliver the credit decision to dealership personnel
Demonstrate the able to listen to dealer’s opposing viewpoints with an even disposition
Function as a team member in the handling of VCI/AFS/BFS credit applications (regional)
Effectively manage a high volume of incoming/outgoing telephone calls while maintaining Service Center standards for telephone etiquette
Provide guidance, support, and training for fellow VCI staff members (including subordinate credit team members)
Develop/enhance dealer and field staff relationships through personal visits to their markets' dealer body and interaction with field personal
Perform spreadsheet and other analysis as required
Minimum 2+ years credit experience, with emphasis in captive automotives or banking with auto lending experience

Credit Analyst Resume Examples & Samples

Analyze and decision applications for auto loans and leases within established underwriting guidelines and in compliance with fair lending laws and regulations
Flexibly and creatively restructure deals, as necessary and when possible, to result in well performing credits that are suitable for, and tailored to, the specific needs and circumstances of the applicants
Clearly document credit decisions and their rationale; correctly and consistently notate adverse action reasons
Devote the time and attention appropriate to each application to most efficiently yield high quality credit decisions
Verify information essential to a sound credit decision without unnecessarily inconveniencing applicants
Mentor and train junior Credit Analysts as required
Maintain a high level of service by being responsive to inquiries from inside and outside the organization
Cultivate strong objective relationships with the Sales/Marketing Team, Sales Admin Team, Delivery Specialists, Funders and other Tesla team members
Recommend improvements to the underwriting process with a focus on innovation, efficiency and effectiveness

Credit Analyst Resume Examples & Samples

Very strong financial analysis knowledge (e.g. P&L, cash flow, balance sheet, micro and macro) and ability to prepare long-term projections
Good understanding of all corporate banking products (i.e. FX, Derivatives, Trade, etc') and other services offered by Citibank and its competitors
Familiarity with the local business market and corporations
Good knowledge of the local banking environment and regulations
Excellent knowledge of the Citibank NA, Israel, compliance grid, ICG Risk Policy, and the industries to which customers belong
Strong understanding of different types of Risk: Credit, Market, Operational and Franchise
Strong analytical thinking
Good writing and speaking in Hebrew and English
Multitasking, excellent team player and ability to work in a tight time schedule environment
Must be able to pay attention to details, set priorities and work under pressure
3-4 years of financial analysis/credit experience
1 year of customer interface (service or sales) experience – Advantage
BA in either an economics, finance or business related discipline

Credit Analyst Resume Examples & Samples

Reconcile cash balances between SAP and Bank and provide remittance details to corporate accounting
Provide updated account aging reports and payment information to key members of the internal team on a regular basis, with extreme focus on accuracy
Research/Investigate and resolve credit related issues as they arise
Deliver account statements, invoices and system generated documents to customers in a timely fashion
Monitor and maintain customer account credit requirements
3-5 years of experience in retail or wholesale environment
Proficiency in Microsoft Office Suite (principally Excel, Word and Outlook)
Ability to manage and meet key deadlines
Proven ability to partner across internal business functions and with outside customers
Highly focused and detail oriented
Ability to provide excellent customer service skills to all clients and internal employees

Credit Analyst Resume Examples & Samples

University graduate in relevant technical field
Minimum 5-7 years of experience with Financial Institutions including credit risk analysis, business case evaluation and approval process
Strong understanding of Greater China's macroeconomics and financial system. In depth knowledge on Chinese Banks is a must
Solid credit / risk assessment skills
Strong understanding of banking products (e.g. Trade finance, derivatives etc.)
Strong written and verbal communications skills in English and Mandarin required
Strong interpersonal skills with an ability to interface with clients and business partners

Credit Analyst Resume Examples & Samples

Excellent academics. Bachelor’s Degree is required. Working towards a Master’s degree and or CFA designation is preferable
Some work experience in the industry is desirable
Strong analytical and writing skills; some quantitative skills would be helpful
Ability to effectively communicate at all levels; good relationship building and relationship management skills
Ability to work effectively with constant multiple competing deadlines
The ideal candidate is creative and innovative

Credit Analyst Resume Examples & Samples

Prepares and delivers written and oral credit presentations
Maintains documentation files and monitors compliance with terms of loan/accounts
Prepares spreadsheets, reports, summaries and opinions
Prepares report evaluations, ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines
Federal and State laws
Reading, interpreting, analyzing and applying information from credit reports
Maintaining documentation files
Ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines
Preparing and delivering oral and written presentations
Performing due diligence
Establish and maintain effective working relationships with others
Bachelor’s Degree (B.A.) in Finance, Accounting, Business or related field with three (3) years of credit analysis experience

Credit Analyst Resume Examples & Samples

4+ years of Commercial Credit experience with a solid Credit Analysis background
Bachelor's Degree in Accounting and/or Finance
Previous Financial Analysis / Statement Preparation experience

Credit Analyst Resume Examples & Samples

Analyzes and recommends customer credit limits based upon credit scores
Ensure all manage risk tasks are accomplished adequate
Solve customer needs that appear daily
Fraud knowledge is desirable
University degree in Business Administration or Finance is a plus
Good written and verbal English skills

Credit Analyst Resume Examples & Samples

Use teamwork to support group and help with smooth functioning of desk
An extensive knowledge of the Credit Markets as well as a strong familiarity in credit interest rate, and foreign exchange markets
Significant experience in credit analysis across a range of IG and HY credits, understanding of dynamic credit scenarios and impacts on various types of securities
FCA registration, Series 7 and 63 an asset as well
Bachelor’s degree and preferably MBA, with strong academic standing

Credit Analyst Resume Examples & Samples

3-5 years experience in C&I credit analysis, commercial RE, construction, and multi-family loan underwriting and loan processing
Proficiency in Moody's, or equivalent financial software, AFS Level III, Microsoft Excel, Microsoft Office, and other software programs as needed
Must have thorough understanding of cash flow, financial ratios, appraisals, environment reports and real estate trends etc

Credit Analyst Resume Examples & Samples

Experience in a Centralized credit environment is an asset Above average analytical skills
A strong team player and a sound communicator
Ability to multi-task and work in a fast paced environment

Credit Analyst Resume Examples & Samples

Reviewing and assessing a broad range of complex credit applications
The ability to manage business pressures and client expectations
A focus on continuous process improvement and excellence; and

Credit Analyst Resume Examples & Samples

Appreciation of working in a global environment
Minimum of 3 years’ experience in the Commercial or Corporate Banking environment
Ability to make decisions
Good verbal and written communications skills

Credit Analyst Resume Examples & Samples

Typically requires a Bachelors and 1 year of directly related experience
Limited use and/or application of basic credit principles, theories, and concepts
Basic knowledge of financial and spread analysis, and credit/ lending procedures for various types of loans
PC skill required

Credit Analyst Resume Examples & Samples

Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth
The ideal candidate should have at least 2 to 5 years of experience in a financial institution with a focus on credit analysis and spreading software
The ideal candidate should have a Bachelor's degree in Finance, accounting, and/or business or equivalent experience

Credit Analyst Resume Examples & Samples

Provide a written review of the details uncovered while analyzing the financial statements. This includes providing recommendations and concerns regarding the prospective/present customers
Maintain high credit quality throughout Great Western Bank; work with staff at all locations to ensure a consistent credit culture
Complete loan review of existing credits working closely with the respective loan officer to gain a comprehensive view of the customer, including on-site collateral inspections
Degree in Business, Finance, Accounting or related field preferred
3-7 years credit analysis, agri/commercial banking or accounting experience
Must be detail oriented with strong math skills and customer service skills. 5. Demonstrate excellent verbal and written communications. 6. Strong PC skills (MS Word, Excel, Access, PowerPoint applications)

Credit Analyst Resume Examples & Samples

Candidate must possess at least a bachelor’s degree (S1) from reputable university
Excellent communication skills (English and Bahasa Indonesia)
Able to conduct anlysis on credit
Required skills in Microsoft Office

Credit Analyst Resume Examples & Samples

Requires a Bachelor's and 1+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience
A combination of education and experience may meet requirements
Basic knowledge of financial and spread analysis and credit/lending procedures for less complex loans
Knowledge of and ability to apply commercial credit principles, theories, concepts, and techniques

Credit Analyst Resume Examples & Samples

Previous experience in the analysis and adjudication of consumer credit
Direct experience in sub-prime financing considered an asset
Knowledge of MS Word, Excel, credit decisioning, contract management and/or loan application software (PowerCurve)
??Completion of a post-secondary education (college or university) is preferred

Credit Analyst Resume Examples & Samples

Requires a Bachelors degree in Finance or a related field and 4+ years of credit analysis experience including 1 year working with complex or specialized credits including helping to define the structure and pricing of the loan and making projects regarding the long term profitability of the loan
Extensive knowledge of financial and spread analysis and credit/lending procedures for very complex loans
Broad application of commercial credit principles, theories, and concepts in applicable discipline, plus extensive knowledge of other related fields
Working knowledge of various types of loans
Solid communication skills, both verbal and written
Ability to make sound decisions and recommendation regarding loans
Strong PC skill required

Credit Analyst Resume Examples & Samples

Bachelor's Degree in Finance or Accounting is required or equivalent
Must have 2 to 4 years related experience
Customer call experience is required
Proficiency in MS Word, Excel a must
Familiarity with e-Credit's financial analysis software is a plus
Excellent written, verbal communications and presentation skills required
Strong organizational skills and the ability to work independently with minimal supervision
Must be able to travel as required
Familiarity with SAP, BW reporting, and Oracle is strongly preferred
Knowledge of leasing and inventory financing a plus
Knowledge of bankruptcy and preference law a plus
Required work hours are 10:30am to 7:00pm EST

Credit Analyst Resume Examples & Samples

Investigate potential or existing corporate borrowers by performing UCC Searches, Credit Reports, First Research Reports, Internet-based searches, and any other investigations which are necessary for the review of the credit
1 – 2 years of Finance or Accounting experience
Demonstrate excellent verbal and written communications
Strong PC skills (MS Word, Excel, Access, PowerPoint applications)

Credit Analyst Resume Examples & Samples

Provide support on a priority basis for Business Bankers within each region, which exposes each Analyst to a wide variety of bankers and varying loan structures throughout the Business Banking portfolio
Review incoming requests from Portfolio Managers to determine scope of required financial spreads needed and make decision of appropriate spread model to be used
Review and understand various types of incoming customer financial information, including tax returns, financial statements, proformas, borrowing base certificates, compliance certificates to ensure all required information has been received to accurately process the requests
Associates degree in business, Bachelors Degree or 1-2 years work experience as a Credit Analyst or related experience
Understanding of accounting principles and various types of financial statements and financial covenants
Ability to make sound transactional decisions to ensure policies and directives are met
Ability to work independently and take ownership of personal performance and development
Ability to make timely decisions in a fast paced, centralized production environment
Strong attention to detail, a high degree of accuracy and consistent adherence to bank standards
Ability to utilize multiple PC software applications

Credit Analyst Resume Examples & Samples

Understanding of the products/process flow
Credit and collections experience
Microsoft Excel proficient (V-lookups, Pivot Tables, etc.)
Exceptional phone etiquette

Credit Analyst Resume Examples & Samples

Collect and analyze credit data
Use Oracle’s “Credit Management” software to review and process credit requests
Ensure that all transactions are processed timely throughout the day
Build strong working relationships and work closely with operations, sales, and collections, related to credit decisions
Understand business environment to allow appropriate credit risk assessment
Undertake actions to collect on “bad debt” accounts
Collaborate with legal department to resolve legal issues related to credit or collection on delinquencies
Prepare reports and analyses as needed
Coordinate various projects and initiatives as directed
Maintain confidentiality of customer information
Bachelor’s Degree in Accounting or Finance
Minimum of three years’ credit analysis experience
Excellent interpersonal skills, communications, both verbal and written
Strong customer service skills and integrity
Attention to detail and adaptable to change

Credit Analyst Resume Examples & Samples

Managing all Credit initiation processes and ensure a decision is taken for all applications within the acceptable TAT
Play key role in handling the credit underwriting for Leverage product
Prepare monthly analysis to enhance the credit policies used in Bahrain
Prepare in a timely and accurate manner all MIS for internal & regulatory reports
Continuously review the existing processes and propose enhancements to ensure a faster TAT for application processing
Monitor activities at TCS and provide feedback on performance
Ensure that MCA is completed in a timely manner and all controls are tested independently
Contribute towards “satisfactory” audits and processes
Ensure customer queries are resolved in a satisfactory manner
Ability to work in high growth and pressure scenario with strong and proven leadership, project and people management skills
Excellent PC skills along with a good knowledge of MS Excel and MS Word
Good communication skills and good knowledge of English
Deep understanding and knowledge of banking products
Good understanding of legal and regulatory environment
Efficient, adaptable, innovative, dependable
Ability to handle pressure/resolve problems and take ownership
In-depth knowledge of credit policies
Experience in taking credit decisions
Knowledge in investment systems and concepts
Familiar with local regulatory, regional & global policies
Attention to micro details to maintain effective controls
Knowledge of statistical

Credit Analyst Resume Examples & Samples

Performs credit risk analysis on customers by evaluating the financial statements, crediting rating, D&B reports, past payment history, bank balance, trade reference, bankruptcy records, lawsuit records, liens, and court judgments to determine the degree of credit risk involved
Provides recommendation of maximum credit limit dollar amount and term for each customer applying for credit or being revaluated and prepares documentation for presentation to Management
Performs annual/semiannual credit reviews of a particular client class(s) and presents findings to Credit Management Officer. Scheduling also involves involvement with earnings calls on Major/Strategic Accounts as they are presented
Will be involved in daily assessments of customers whom are either at of close to their Credit limit and give a recommendation to either increase or retain the current credit line
Credit Analyst will need a general understanding of Public School funding in regards to Budgets, Purchase Orders ETC. as it relates to MHE School Sector Credit and Limits
Responsible for financial analysis and underwriting of MHE current and potential customers for Credit worthiness and limits
Work with on and offshore team on any credit hold situations pertaining to credit limits
Thoroughly analyzes financial statements, cash flow ability, public funding and budgets etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk
Instrumental in developing department processes and credit standards
Supports the credit approval function by providing analytical support
Prepares insightful and timely approval memorandums for presentation to C&C Management
Adaptive Leadership - Dealing with Customer's Senior Financial Personnel
Time Management - Prepare financial reviews simultaneously
Group Presentations - Financial Assessments
Innovative - Able to be resourceful
Credit assessment approvals could be too conservative or liberal
Ability to raise credit limits on customers without properly assessing all information as it pertains to history of relationship along with financial information
2-4 year’s related experience required
Developed knowledge of credit and financial analysis techniques and underwriting
Exhibits the ability to gather, consolidate, analyze and summarize financial data
Ability to multi-task and meet deadlines
Ability to maintain the confidentiality of credit and Customer information

Credit Analyst Resume Examples & Samples

Manage and oversee Account Receivables portfolio in APAC
Perform due diligence on new clients
Identify accounts with potential credit risks
Recommend credit and payment terms based on analysis of clients' payment performance
Review and check on clients, markets and countries
Work closely with Legal and Compliance department to resolve potential credit issues

Credit Analyst Resume Examples & Samples

Negotiate terms and conditions for transactions and work with deal teams to ensure appropriate documentation is in place
Manage existing commercial accounts, perform rigorous analysis of transactions, and resolve problem accounts in partnership with deal teams and specialists
Prepare risk assessments and present senior management with a clear and consistent approach to mitigate risks
Bachelor’s degree (or High School diploma/GED and four years of financial services experience)
Prior commercial underwriting experience is desired
Communication skills: ability to write and speak in a concise and cogent fashion
Ability to make and deliver presentations to executives and external clients. cross-functional teamwork: ability to pull together teams comprised of individuals from multiple functional backgrounds and drive results

Credit Analyst Resume Examples & Samples

Minimum 3 years of Credit / Risk experience in a commercial lending / leasing / financial services environment
Bachelor Degree in Business Administration / Finance, Accounting or Related Discipline
High level of flexibility and willingness to take on adhoc projects or similar is required
Ability to interact well in a fast-paced multi-cultural environment
Determination to respond to potentially tight deadlines for deal approval and closing
Excellent organizational skills, attention to detail and ability to handle multiple tasks simultaneously
Fluency in Swedish/English both spoken and written

Credit Analyst Resume Examples & Samples

Analyze corporate bond issuers within select number of industries
Determine and analyze specific relevant credit issues
Develop issuer level and broader market relative value assessments
Produce well researched, concise reports for global investment professionals
Recommend changes in holdings of assigned credits
Make due diligence visits and attend industry conferences as appropriate
Ideal candidates will have at least five years of experience analyzing fundamental credit quality of corporate bond issuers and industry sectors
Experience in High Yield credit research is an advantage
Decision Making Skills
Communication, Written/Inter-Personal
Desires Excellence
Maintains Client Focus
Motivated, Self-Starter

Credit Analyst Resume Examples & Samples

Knowledge of the balance sheet and profit and loss account of banks
Knowledge of bank regulatory rules
Knowledge of Emerging EMEA countries
An ability to understand country risk and how it applies to the risk of individual banks
An understanding of how macro-prudential issues affect the risks of individual banks and banking sectors
Knowledge of insurance companies would be beneficial, but not essential
Full ability to use Microsoft Excel to build models based on financial statements or macro-economic data. You must be able to generate charts from this data
Experience of Bankscope would be helpful
An ability to independently research subjects, using the internet and other tools
The instinct to assess data presented to your for accuracy and a willingness to use your judgement to decide which information is relevant and which is irrelevant or wrong
A willingness to get involved in all aspects of our work, from basic to complex
Written and spoken English strong enough to construct complex arguments in support of your proposals, without the need for an editorial process
An ability to manage internal relationships, particularly with front office analysts and originators

Credit Analyst Resume Examples & Samples

Ideally candidates should have 3-5 years of experience in credit risk analysis or corporate banking
A good knowledge of accounting and corporate finance, credit and banking products, risk assessment, and transaction execution is required
Excellent credit analytical skills, experience with financial modelling and financial statement analysis
Very strong computer skills (Excel, Word, PowerPoint)
Bachelor degree, preferably in Business, Accounting or Finance
MBA or CFA qualifications are ideal

Credit Analyst Resume Examples & Samples

Assist Credit Manager in managing substantial transaction volume from various sources by utilizing other credit personnel and yourself to ensure timely transaction processing / analysis
Review and decision credit requests within prescribed limits and, for exposure levels exceeding authority limits, present requests to appropriate authorities within KEF
Work closely with Sales and Vendors to ensure accurate and timely decisions
Underwrite complex transactions, suggest structuring enhancements, and ensure that risk ratings are accurately assigned in accordance with KEF and KeyCorp policies
Ensure ongoing strong asset quality within various business segments of the KEF portfolio
Determine appropriate documentation requirements based on the type of transaction and participate in basic documentation negotiations
Coordinate with KeyCorp affiliates for credit underwriting as necessary, on shared relationships
Ensure clear open communication and information flow related to required information and final transaction decisions to and between team members and other appropriate parties
Provide the highest quality of service to every customer consistent with KEF values of teamwork, respect, accountability, integrity and leadership
Complete special projects and other duties as assigned
Bachelor's degree in Finance, Accounting, or Economics
Commercial credit underwriting experience with middle & large ticket transactions
Financial statement spreading and analysis, with Moodys Risk Analyst experience being a 'plus'
Ability to multi-task and manage many responsibilities
Ability to manage a wide variety of customer transactions and to support and justify credit recommendations
Competent in various computer software programs, especially Microsoft Excel and Microsoft Word
Decisive and experienced in exercising credit authority with strong leadership skills

Credit Analyst Resume Examples & Samples

Support the commercial bankers in underwriting requests for credit extensions for new and existing clients, and in the writing of annual reviews
Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information
Perform Due Diligence with clients’ primary funding agencies to ensure good standing within industry and stability of contract revenues
Track compliance with various loan covenants as outlined in the Loan Agreement, in addition to tracking receipt of Reporting Requirements
Build a solid understanding of Citi products and services (both within Business and Commercial Banking and the broader organization), as they pertain to Middle Market clients
Support the development of pitch books and marketing proposals
Assist with various reporting packages, including HMDA and CRA packages for clients
Accompany bankers on customer site visits and client calls, and write up Call Reports, when appropriate
Perform industry and geographical research and other due diligence as needed
Assist with credit file maintenance, Basel collateral updates, reporting requirement maintenance and other administrative matters
Be familiar with Citibank credit policies and practices and regulatory policies, to assist unit in achieving compliance with the above and satisfactory ratings from internal and external auditors
Recommend changes to process to achieve greater efficiency
Strong analytical skills including the ability to read and assess company financial statements, cash flow, industry and competitive analysis and projections
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner
Problem recognition and resolution skills
Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts, and CAT’s financial analysis software

Credit Analyst Resume Examples & Samples

By gathering information of customers, industries, etc., conduct credit analysis for new and existing customers for Japanese corporate in the Middle East, North Africa and Central Asia countries
Initiate/complete the required process for Know Your Customer Exercise on Anti Money Laundering manuals
Review related legal documentation
Comply with various regulations related to banking business
Japanese language skill and business English communication skill (written and oral)
Banking business experience at commercial bank or investment bank or other equivalent
Knowledge of banking products and preferably securities business products
Good consultative skill
Ability to plan, organize own work, and be aware of risks

Credit Analyst Resume Examples & Samples

Prepare credit applications for lending and trade facilities to borrowing entities/counterparties. Recommend appropriate lending limits based upon an analysis of operating trends, financial ratios, debt service capacity, liquidity and overall credit appetite
Serve as the primary liaison between the Relationship Management team which has the business relationship with the client, and other groups within the Bank that deal with the sector. Proactively seek to coordinate response on issues affecting the sector which may arise from Credit Approval, Credit Operations and/or Internal Audit teams
Support the growth objectives of the Relationship Management team to which the group is aligned by delivering the credit analysis required to support credit risk decisions within service levels set
Take appropriate actions when exposures exceed an approved limit
Complete other related duties as assigned, including any special projects that might arise
Three (3) years minimum of corporate credit analysis
Knowledge of Microsoft Office applications (Word, Excel, Powerpoint)
Excellent analytical and written and verbal communication skills
College degree required, MBA and/or CFA preferred
Three (3) years minimum of corporate credit analysis,
Strong computer skills, including Microsoft Excel and Word; quick learner of data websites and applications
Demonstrates thorough knowledge and/or a proven record of success in a role within the professional services industry

Credit Analyst Resume Examples & Samples

Gathers information needed to underwrite loan packages by conducting customer interviews and requesting credit reports and financial statements on borrowers and guarantors of proposed requests; works to clear any outstanding exceptions
Spreads financial statements and conducts comprehensive analyses to determine the degree of risk involved and profitability of extending credit or lending money, such as cash flow, trend and industry analysis
Prepares underwriting packages; communicates results and recommendations in a written narrative
Monitors and updates pipeline and other department reports; communicates with lenders on status of pending requests
Maintains physical and electronic credit files; retrieves documentation for audits, exams and assessments
Working knowledge of lending and credit risk management concepts, practices and procedures
1-3 years experience in banking or financial services industry

Credit Analyst Resume Examples & Samples

Your role will be involved in analyzing the market in which client operates and positioning client in its market and providing its key competitive advantages, with particular emphasis on evolution of margins, quality of receivables, cash balance, dividend policy
Also, you need to assist in the monitoring of credit process workflow and to participate positively at the improvement of the credit proposal and its process by anticipating upcoming credit reviews to ensure files are submitted within the maturity date or submitted for administrative extension
It is crucial to support business in monitoring credit portfolio with regard to ratings, concentration and overall financial risk, reviews of clients and sectors

Credit Analyst Resume Examples & Samples

Previous experience with SOX / SOP compliance
Understanding of the products / process flow
Microsoft Excel skills (V-lookup, Pivot Tables, etc.)

Credit Analyst Resume Examples & Samples

Spread new, renewal and interim financial statements and business and individual tax returns in accordance with bank guidelines
At least 1 to 2 years of experience in a financial institution with an understanding of commercial banking products and accounting knowledge
Must have skills to analyze business and personal financial statements with respect to GAAP and Citibank policies
Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts
Bachelor’s degree in Finance, accounting, and/or business preferred

Credit Analyst Resume Examples & Samples

Completing counter-party credit reviews and actively collaborating with businesses to ensure credit limits reflect their needs
Preparing accurate and rigorous written analysis, presenting and making recommendations to senior management
3 + years Credit risk experience and an understanding of risk management concepts
Extensive knowledge of financial market fundamentals and the ability to apply this knowledge to credit reviews
An ability to read and interpret financial statements
Persuasive communication skills (both written and verbal), combined with confidence when being challenged
A high degree of initiative and achievement drive

Credit Analyst Resume Examples & Samples

2-3 years of experience in a B2B credit and collections environment
Computer skills including ERP experience, Excel, Word and Outlook
Must demonstrate excellent customer service skills and be able to work effectively in a team setting
Must demonstrate strong analytical and financial reasoning skills

Credit Analyst Resume Examples & Samples

Minimum 2 year of credit analysis or financial analysis experience required
Minimum 2 years of experience in a banking or financial services environment required
Must have strong analytical skills – we’re looking for candidates who can think independently, identify potential risks, and understand what can mitigate those risks. You must be “fluent” with excel and be able to model problems in an organized and clear manner. We use excel modeling every day to quantify the risks of loans in order to underwrite appropriately. Knowledge of discounted cash flow modeling, loan sizing, valuation techniques are a plus
Must have strong communication skills, both written and oral – the Credit Analyst role involves a great deal of writing and consequently, the ideal candidate can articulate a complex issue clearly and succinctly
Must be organized – the position requires working on multiple projects for multiple relationship managers simultaneously. Being able to prioritize tasks on a daily basis is very important, as is the ability to work without constant supervision. In between working on new transactions, the Credit Analyst will perform annual credit reviews on key relationships and projects, which provide the Credit officer with an analysis of project and sponsor performance relative to expectations
Should have strong grasp of accounting concepts and familiarity with balance sheet and income statement analysis
Should be a strong team player with excellent interpersonal skills. We prefer someone who can work under pressure to deliver on deadlines and still have a good attitude
Should be resourceful – not all information is handed to you on an assignment. Proactively seeking out additional information through professional networks, internal bank resources, or the internet, etc. is a regular part of the job
LI-AD2

Credit Analyst Resume Examples & Samples

Meet and where possible exceed SLA agreements
Be knowledgeable and comply with Bank Codes of Conduct
Actively participate in the performance management process in support of own personal and professional development objectives
Actively participate in regular meetings and coaching sessions
Participate in unit and national R&R programs

Credit Analyst Resume Examples & Samples

Key responsibilities include underwriting new and existing business opportunities consistent with established guidelines, reviewing credit and security structures related to the sales of business or succession and actively managing a portfolio of both new and long established client relationships with regard to credit needs
Collaborating with Sales and Operations for financial analysis of GE customers across a variety of industry segments
Performing business analysis on current and potential clients and make supported recommendations to the appropriate authority level for both new and existing clients
Ensuring the documentation of credit files as outlined in Standard Operating Procedures
Interfacing directly with accounts to resolve credit related issues. Maximizing the prudent expansion of the asset base and minimizing potential losses
Undergraduate degree in Commerce, Business, Accounting, Finance or equivalent work experience in commercial finance lending or within the banking industry
Strong communication skills and the ability to work effectively and cooperatively with internal stakeholders and clients which include dealers, distributors and manufacturers
Proficiency in understanding and applying the personal property security act (PPSA) in various jurisdictions as it relates to documentation and perfected security interests
Working knowledge in various inventory finance programs and agreements
Previous experience in commercial banking operations
Hold a ICF certification

Credit Analyst Resume Examples & Samples

Work closely with GBM to capture and document processes and improvements within the regional operating model
Be a partner to the business for all project related requests of CAU, and maintain project logs
Highlight problems/blockages and take initiative to suggest ideas to change and improve processes
Working in a dynamic, pressurized, time-sensitive environment with interaction with internal stakeholders and demanding / advanced external Stakeholders
Excellent organizational skills (must have minimum of 3 years on projects)
Effective inter-personal skills and the ability to handle conflict and manage expectations. Demonstrate high energy; be PRO-ACTIVE, extremely positive and have a ‘driver and achiever’ mentality
Excellent verbal and written communication skills. This role requires an individual to demonstrate an “Extrovert” personality type at times, who will need to be in constant communication with other HSBC units and external Stakeholders
Preferred fluency in foreign language, particularly Spanish and Portuguese

Credit Analyst Resume Examples & Samples

Provide well developed investment recommendations to assist positioning in Invesco’s Global Fixed Income portfolios
Use Invesco’s proprietary investment platform to record and update all investment views on a timely basis
Assists in monitoring performance and pro-actively reviews investment recommendations to produce consistent long-term results
Interact with clients, brokers and consultants to promote Invesco Fixed Income products as required
Examine and monitor legislative, regulatory and economic developments across industry sectors, assisting the investment decision-making process
Ensures compliance with all regulatory requirements and laws
Ensure all activities are in line with TCF outcomes
Would typically have experience of investment grade credit analysis in European markets
A Master’s degree in finance, economics, mathematics or other business-related field of study preferred
CFA designation or accountancy qualification preferred
Effective with clients, brokers and consultants
Ability to influence and persuade others
Open minded, flexible, and willing to listen for other peoples’ opinions
Effective interpersonal skills necessary to work both within the team and organization-wide

Credit Analyst Resume Examples & Samples

Business Banking Portfolio Managers
Business Banking Relationship Managers
BBCC Deal Set-up Analyst
Loan Servicing Operations Areas

Credit Analyst Resume Examples & Samples

Bachelor or above degree in Finance or Accounting
Good accounting and financial analysis knowledge, and sound knowledge of business and corporate practices in the China market
Ability to work with minimum supervision and meet deadline pressure
Strong team orientation in order to achieve company goals not directly related to the normal credit analyst duties
Competent in managing priorities and work conflicts
Ability to be innovative
Fluent English communication skill

Credit Analyst Resume Examples & Samples

Experience reviewing financial information or course related work
Minimum one year commercial credit or related analysis experience preferred
Working knowledge of personal computers and various software programs such as Windows Word, Excel and PowerPoint
Familiarity with other Bank systems such as Risk Analyst, AFS, CSS, CLAS

Credit Analyst Resume Examples & Samples

3-5 years commercial credit underwriting experience and prior credit approval authority
Ability to make sound business judgments while protecting the interests of TCF Inventory Finance
Strong PC and technical skills, including experience with Word, Excel, and Outlook
Experience with security documentation; UCC’s, Security and Priority Agreements, etc

Credit Analyst Resume Examples & Samples

Pro-actively engaging with the front office to structure solutions which assist its growth, minimize the bank's expected loss and are in compliance with internal policies
Performing transactional analysis and pro-actively engage to mitigate risks in the transaction
Justification for the credit extension which sufficiently robust to withstand regulatory scrutiny
Essential: The successful candidate will be an experienced credit risk management professional already working in major commercial or investment bank. He or she is will have proven experience in credit risk management including experience in leveraged finance and other sub-investment grade lending

Credit Analyst Resume Examples & Samples

Complete financial spreading (financial spreads for clients at an early prospecting stage should normally be done by RMs themselves)
Complete the credit analysis and submits CA package for approval in approved PDT template (post implementation of lending module on CRM, the CA has to be originated and initiated in CRM by the RM and all the sections in CRM to be input by RMs)
Maintain an in depth knowledge of Citi credit and policies and practices and applicable local and US regulations to assist the Business in achieving compliance and satisfactory internal and external audit results
Assist RM in performing background check on customer with relevant credit agencies, buyers, suppliers and banks
Write CCRs for Special Mention names (not SS which has to be with Risk or IRM) and monitoring triggers and agreed action plans. RMs will have to provide quarterly inputs for these CCRs by contacting clients to obtain key financial and other updates
Assist RM¡¦s with the preparation and presentation of materials for portfolio reviews (e.g. large exposure reviews) and Red Zone reviews at account level. CLU will assist by providing obligor level OSUC, ORR and other such data while the RM will need to write the proposed reasons and remedial action plans for Red Zones, or in the case of large exposure reviews write the credit outlook summary and provide inputs on financial forecasts/projections, and any other key developments since last CA
Perform MCA testing
University graduate in Economics, Accounting, Finance or Business Studies and minimum 6 years as Relationship Manager and/or Credit Analyst in Commercial/Corporate Banking areas in Foreign Banks or major local banks. Experience with SME/private enterprises in China is a plus
Have strong initiative and high level of integrity
Expect to lead a small team of professionals as business grows

Credit Analyst Resume Examples & Samples

Develop investment style and capability in a way that works for HSBC and its strategy and values. The role requires oversight in the context of the Global fund (s) and coordination with portfolio managers
Focused, but not limited to the high yield and investment grade emerging market corporate credits. The analyst will provide investment research and relative value analysis on the sectors, including but not limited to energy, electric utilities, retailing
Evaluate company fundamentals and industry trends, key operating metrics, business quality, competitive positioning, and valuation
Perform detailed financial modeling
Analyze indentures and other legal regulatory issues related to the credit
Bachelor’s degree in Finance or related field
Matriculating in a graduate business program or CFA
Good understanding of capital markets
Strong understanding of accounting
Integrated Financial Modeling (training beneficial but not mandatory)
Attention to detail and works methodically

Credit Analyst Resume Examples & Samples

BS degree in accounting or finance or a related discipline
Knowledge of financial statement analysis
2-3 years of experience as a Credit/Finance professional
Demonstrated ability to make sound credit decisions
Good interpersonal and communication skills with ability to work cross functionally especially with sales force
Knowledge of JDE

Credit Analyst Resume Examples & Samples

Reviewing and analyzing proposed transactions to identify key risk factors, and ensure they are well structured, generate appropriate returns and are within risk appetite
Due diligence of documentation, to expose any covenants or clauses that may impact the structure or pricing of a transaction, and recommend appropriate mitigants
Annual review of existing counterparty limits and monitoring credit exposures to ensure compliance with limits
Portfolio analysis and reporting to senior management
Qualifications in finance, economics, engineering, or other quantitative disciplines, and 2+ years of industry experience
A genuine interest in financial markets and knowledge of current market activity
Ability to build strong relationships with colleagues and clients
A high degree of initiative and achievement drive, and an inquisitive nature

Credit Analyst Resume Examples & Samples

4 years at least of valuation, pricing experience of commercial credit of privately held companies
Public accounting
Or commercial lending
Experience in valuation, discount cash flow, developing and assisting in due diligence

Credit Analyst Resume Examples & Samples

To analyse counterparties, identify and quantify risk drivers in transaction structures, prepare credit memos, make recommendations and manage counterparty exposure
Analyse and prepare credit memos for corporates with the aim to recommend accurate credit risk ratings and approve exposures
Analyse credit risks in loans and derivative trades for transaction approval and counterparty portfolio assessment
Analyse economic and market events and their impact on the portfolio of counterparties managed
Liaise with clients, internal business units on credit approvals, credit requirements and relationship matters
Follow up on transaction execution. Ensure loans/trades are properly booked / recorded / monitored, credit terms are incorporated in termsheets / confirmations and underlying documentation properly developed
Manage counterparty limits and credit facilities exposures
Follow up on timely receipt of financial information from all clients and prepare credit memos according to firm policy requirements
Ensure risk reporting systems contain timely and accurate information
Quality of credit analysis and decisions
Proven experience in credit analysis
Familiar with financial markets, financing and risk mitigating structures
Product knowledge e.g. leveraged loans, swaps, FX, equities
Familiarity with legal documentation and risk issues, including LMA loan documentations, ISDAs, CSAs, netting, and credit mitigating features
Extensive working knowledge of computer applications, particularly Excel, Powerpoint and Word
Fluency in English plus one European language would be an advantage
Independent decision-maker with ability to support conclusions
Strong oral & written skills, concise report writing
Team oriented, flexible, diligent, self-motivated

Credit Analyst Resume Examples & Samples

Credit approval authority based on experience and performance
Review and analyze various transactions. Includes review and analysis of applications, financial statements, balance sheets, D&B reports, etc
Prepare credit write-ups and Moody’s spreads when appropriate in accordance with credit policy and procedure
Complete ratio and trend analysis to determine if a customer is eligible for financing
Understand and follow credit policy and procedure and work with other departments, including Documentation and Sales, to improve understanding and compliance
Work with Documentation department on non-standard documents and/or exceptions to policy
Work with Sales to monitor delinquency, delinquency trends and repossession activity
Perform Annual Reviews on programs and individual transactions as assigned
Build good relationships with marketing/sales representatives and interact effectively with a variety of departments
Bachelor’s degree in Finance, Accounting, Business or related field or equivalent work experience
1-3 years credit underwriting experience and prior credit approval authority
Detail oriented with the ability to analyze cash flow, leverage and gauge customer strength
Ability to make sound business judgments while protecting the interests of TCF Equipment Finance
Good PC & technical skills
Previous leasing experience preferred

Credit Analyst Resume Examples & Samples

Requires a Bachelor's and 2+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience
Working knowledge of financial and spread analysis and credit/lending procedures for moderately complex loans
Full use and application of commercial credit principles, theories, concepts, and techniques
Solid PC skill required

Credit Analyst Resume Examples & Samples

Completes special projects and reviews, as directed, to enhance and improve the overall analysis of the Bank’s loan portfolio
Performs other responsibilities and as directed by management
Bachelor’s degree in in business, accounting or finance required
Five (5) years credit analysis experience with a mid to large size commercial banking organization required
Strong skill set in the use of Microsoft Office Suites
Experience with Fiserv/ITI software preferred
Experience with loan applications (i.e. LaserPro, ITI, etc.) preferred
Thorough u nderstanding of collateral and loan documentation & application of credit analysis required
Effective/strong written and verbal communication skills
Ability to read and interpret general business periodicals, professional journals, and governmental regulations
Ability to write credit reports and business correspondence. Ability to effectively present information and respond to questions professionally
Proven ability to problem solve, prioritize tasks and meet required deadlines
Proven ability to work independently and with minimum supervision
Ability to spread financial reports, analyze information and produce cost/benefit analysis
Strong understanding of credit, accounting, and analytical techniques

100

Credit Analyst Resume Examples & Samples

2+ years knowledge of financial statement analysis
Proficient in MS Office (Word, Excel, PowerPoint)
Commercial Banking background

101

Credit Analyst Resume Examples & Samples

Review requests for credit and determine risks
Outbound collection calls
Resolve client-billing problems and accounts receivable delinquency
Collect customer payments
Identify issues attributing to account delinquency
Review and monitor accounts
Provide timely follow-up on payment arrangements
Mail correspondence to customers
Minimum of five years of corporate collections experience
Strong communication, problem solving, and analytical skills
Ability to work independently and adapt to a fast changing environment
Proficiency in Microsoft Office Excel and Word
Experience in Microsoft NAV preferred
Deadline oriented with excellent time management skills
Provide strong attention to detail

102

Credit Analyst Resume Examples & Samples

Approve credit release of all customer orders over the credit limit or past due
Analyze, approve and make recommendations to the Director of Credit for all new accounts
Analyze and approve credit limits and releases for all existing accounts. Existing accounts should be reviewed at minimum every 12 months, unless past dues are over 60 days at which time a review must occur within 30 days of the past due amount
Analyze industry trade reports and financial information to ensure credit files are maintained for both new and existing accounts
Ensure credit application is legitimately signed and legible
Communication to sales and management in regard to credit holds
Create and Oversee Month end financial reporting for Sr Management from a credit perspective
Manage all prepaid and B2B credit card accounts and prepays
Maintain and request all Letters of Credit and Personal Guaranties
Follow specified matrix to obtain appropriate approvals on credit limits including Sr Credit Analyst approval up to Director of Credit
Keep up to date records on all accounts so that master files can update the account accurately i.e. address changes, contact information, shipping changes, etc
Follow up, Organizational; Negotiation, Communication, and Analytical skills are all crucial factors for success in this position. In addition excellent written and verbal skills are required
Intermediate skills in Microsoft Office—Excel and Word, SAP, and Outlook are all required
Associates degree in Business Management or Business Administration or related degree; or 5 plus years in recent B2B Credit and Financial analysis experience required

103

Credit Analyst Resume Examples & Samples

Timely drafting of credit analysis as directed by the relevant Team Leader
Discussion of the dynamics and nature of the Client's industry, including key risk aspects
Assessment of the Client's competitive positioning within its industry
Discussion of management strength, experience and track record and corporate governance more broadly
Articulation of the Client's strategy and an assessment of its clarity and associated execution risks
Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity
Development of a current / forward year base forecast performance expectation
Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing
Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness
Evaluation of risks associated with particular proposed transactions, where required
Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, stress tests, assessments of new prospects etc
Completion of account spreading (where needed) and scorecard determination within Creditmate, alongside other factors necessary to propose a preliminary credit grading to Credit
Analytical strength - to spot emerging risks, in particular
Gravitas - to engage with Relationship Managers and Clients alike in a robust, but constructive manner
Collaborative - to work in partnership with stakeholders to 'get things done', fulfilling the
Strong verbal and written communication skills (in English), with proven ability to work across cultures and within a dynamic environment
Able to hold credible dialogue at all levels of the organisation, as well as with clients
Well organized, able to multi-task and balance competing demands

104

Credit Analyst Resume Examples & Samples

Negotiating financial transactions and prepares transactions for documentation within limits of credit authority. Assisting in negotiating financial and in preparing transactions for documentation for transactions in excess of credit authority. Assisting in administration of wholesale and retail customer "loan" covenant compliance reviews, including on-site record and physical machine/inventory audits
Determining CFSC customer credit worthiness, approving/rejecting CFSC customer deals within approved credit authority, recommending deals beyond credit authority, and restructures customer deals. Conducting and monitoring credit investigations. Assisting in leading the documentation of retail accounts receivable; administers in-processing, signing, and funding of documented transactions; monitoring accounting input; and auditing booked deals for accuracy
Understands the established continuous improvement objectives for the region. Measures progress toward the continuous improvement standards and sees that the necessary measurements are maintained. Participates in the resolution of any identified problems. Analyzes data and makes all business decisions based on such analysis
A 4-year university degree or equivalent diploma and a minimum of 4 years exempt experience in credit, collections, marketing and/or financial statement analysis
Thorough knowledge of and demonstrated ability to apply math computation skills
Demonstrated knowledge of and ability to analyze customer credit summaries and past due accounts
Thorough knowledge of and demonstrated ability to apply financing and taxation principles
Thorough knowledge of and demonstrated ability to calculate casualty values and amortization schedules
Thorough knowledge of Caterpillar products, their applications and their markets
Thorough knowledge of credit concepts and techniques
Demonstrated knowledge of financing and leasing products of the subsidiary
Demonstrated knowledge of and ability to apply past due account collection techniques
Demonstrated knowledge of billing, invoicing and dealer payment principles and concepts
Demonstrated knowledge of security filing requirements and their applicability to bankruptcy laws and regulations
Demonstrated knowledge of marketing, credit and customer services concepts and techniques
Demonstrated ability to apply effective oral, written, and listening communication skills with dealers, customers, company personnel, and the financial community
Ability to operate office equipment including a telephone system, financial calculator, and desktop/laptop computers
Demonstrated ability to apply data collection and analysis skills
Demonstrated ability to prepare marketing reports and marketing related statistical reports

105

Credit Analyst Resume Examples & Samples

Negotiating financial transactions and prepares transactions for documentation within limits of credit authority
Assisting in negotiating financial and in preparing transactions for documentation for transactions in excess of credit authority
Assisting in administration of wholesale and retail customer "loan" covenant compliance reviews, including on-site record and physical machine/inventory audits
Determining CFSC customer credit worthiness, approving/rejecting CFSC customer deals within approved credit authority, recommending deals beyond credit authority, and restructures customer deals
Conducting and monitoring credit investigations
Assisting in leading the documentation of retail accounts receivable; administers in-processing, signing, and funding of documented transactions; monitoring accounting input; and auditing booked deals for accuracy
May provide training for employees in the areas of credit
Participates in accomplisment of continuous improvement objectives for the department,
Participates in the identification of problem areas and development of resolutions to address them
Knowledge of financing and taxation principles
Knowledge of Caterpillar products, their applications, and their markets
Knowledge of marketing, credit and customer services concepts and techniques
Knowledge of financing and leasing products of the subsidiary
Knowledge of financing and leasing products and documentation principles
Knowledge of billing, invoicing, and dealer payment principles and concepts
Knowledge of security filing requirements and their applicability to bankruptcy laws and regulations
Knowledge of and the ability to apply past due account collection techniques
Ability to apply effective oral, written, and listening communication skills with dealers, customers, company personnel, and the financial community
Ability to perform math computation skills
Ability to apply data collection and analysis skills
Ability to analyze customer credit summaries and past due accounts
Ability to calculate casualty values and amortization schedules
Ability to prepare marketing reports and marketing related statistical reports
A 4-year university degree or equivalent diploma and a minimum of 2 years exempt experience in credit, collections, marketing and/or financial statement analysis

106

Credit Analyst Resume Examples & Samples

BA/BS in Statistics, Finance, Financial Engineering, Economics or similar field
2-7 years working with statistical programs, preferably in financial services industry
Knowledge of financial models and analysis
Statistical Programming experience
Excellent computing skills (Microsoft Excel and Access) and working experience in one or more high level programming languages
Ability to succinctly and accurately document results and findings
Familiarity of working with Databases and Database Management Tools, Data Mining (Querying) Proficiency
Ability to apply quantitative techniques and analysis

107

Credit Analyst Resume Examples & Samples

Proven experience underwriting CRE, C&I and Consumer loans, preferably in a Community Banking environment
Thorough knowledge of lending compliance issues, including Consumer Mortgage issues
Track record of effectively communicating and collaborating in a team environment
10 years in Commercial Credit Analysis and Underwriting roles
Knowledge of automated statement spreading software

108

Credit Analyst Resume Examples & Samples

Prepare timely and insightful credit analysis applications for a diverse, medium to high complexity and sophisticated portfolio of commercial & industrial, commercial real estate and private banking / professional services commercial loan customers. Average loan size from $4 - $6 million
Prefer candidate to have equal exposure to all industries: C&I, CRE, Consumer, Residential Mortgage and SBA loans
Create thorough and concise analyses of the risks and mitigants of pending commercial loan requests by reviewing and analyzing the borrowers’ financial statements, including but not limited to income statements, cash flow statements, balance sheets, tax returns, personal financial statements, real estate and C&I collateral appraisal reports, and environmental assessment reports
Prepare advanced sensitivity analyses, pro forma cash flows, and assessments of collateral and guarantor financial condition
Conduct analysis of the market (customers) and industry (competition, suppliers, substitutes, and potential new entrants) and management teams and/or deal sponsors
Evaluate and opine on appraisals and environmental reports as part of the

109

Credit Analyst Resume Examples & Samples

Moderate to High credit limit authorization required for credit adjudication
Previous adjudication experience, strong credit acumen and has experience holding credit limits in a previous role
Presentation Skills
Business Intelligence

110

Credit Analyst Resume Examples & Samples

1-3 years of Financial/ Business Analyst experience
Ability to manage multiple tasks and assignments
Strong Excel and financial systems experience

111

Credit Analyst Resume Examples & Samples

Review and understand various types of incoming customer financial information, including tax returns, financial statements, proformas, borrowing base certificates, compliance certificates to ensure all required information has been received to accurately process the requestSpread financial statements via Moody’s Risk Analyst (MRA) software. Log financial statements into Exception
Advisor and upload to Livelink
Review and spread personal customer financial statements, tax returns, and Credit Bureau information in the PFS Excel spreadsheet template. Log financial statements into Exception Advisor and upload to Livelink
Determine appropriate risk rating model to be used and assist in preparation of Risk Rating via FACT software
Review Loan Agreements to perform calculation and monitoring of financial covenants. Report financial covenant violations to Bankers
Review Loan Agreements to perform calculation and monitoring of grid pricing rate adjustments. Report rate adjustments to Bankers and the Loan Servicing Operations Group
Order Credit Bureau Reports and Dun & Bradstreet Reports upon request
Planned future responsibilities to include: compliance certificate and borrowing base certificate calculation verifications

112

Credit Analyst Resume Examples & Samples

Provide Credit Analysis (establishment of credit lines, approval of daily jobs/credit requests) for all business units supported by Shared Services Finance
Utilize a variety of legacy/ERP systems to assist in credit analysis
Provide customer master maintenance for ERP/legacy systems
Perform annual reviews per Finance organization requirements
Provide credit guidance to internal/external customers as required
Correspond directly with branch/business unit management in regard to credit requirements/issues
Ensure response times are within established parameters via team approach to daily tasks
Remain within or under established bad debt thresholds by accurately assessing credit risk
Participate in various strategic and tactical project initiatives
Utilize ACE tools to seek out process improvement opportunities; participate on ACE teams and in ACE initiatives as required

113

Credit Analyst Resume Examples & Samples

Run the monthly tactical collateral concentration report for the UK entities of the bank
Enhance and update the documentation to run the collateral concentration assessment process
Contribute to the refinement of the collateral concentration assessment approach, also liaising with global teams to achieve a consistent approach
Facilitate the handover of the tactical process to CRO Change in order to achieve a strategic automated solution for the same
Capable of handling large volume of data(Excel essential, VBA/SQL preferable)
Quick learner, flexible to adapt his approach Document writing
Analytical mind capable of designing pragmatic effective approaches to risk
Some grounding in the financial industry
Candidates from Tier 1-2 banks, pension funds, insurance and asset funds are also welcomed to apply

114

Credit Analyst Resume Examples & Samples

Coordinate the initiation of new MSBF (liquid/diversified collateral) credit transactions within the AHS/CPC Consumer Segment CPB U.S. and Latin America (LATAM) banker teams, periodically working in concert with our Risk Partners for the CPB U.S. and LATAM regions
Manage the AHS/CPC Banker teams’ expectations, set workflow schedules and priorities to ensure timely completion of credit transactions within standard turnaround timeframes
Conduct proper due diligence, follow standard underwriting guidelines within the framework of CPB Risk Core Credit Policies and procedures and the Global MSBF product program and the AHS MSBF Reg U Product Program (including KYC/CRF review, risk rating and collateral analysis, etc.) and complete the approval process on a timely basis
Prepare standard MSBF loan documentation and arrange with the banker teams and their clients to have documents properly executed and loans funded expeditiously
Prepare funding packages to be sent to our Delaware Administration Function as well as to Pershing, our collateral holder. Ensure funding process runs smoothly and follow through funding
Provide backup for other team members: CPBs US and LATAM portfolios
Ensure all assigned annual reviews are completed on schedule with minimal extensions/deferrals
Coach and advise Loan Request and Banker Teams on basic credit policies, procedures and product suitability/structure
Partner effectively with other product specialty teams: Letters of Credit, Admin in Delaware,Funding in Nassau, Bahamas and Pershing (our collateral partner)
Manage deal pipeline database, coordinate accurate MIS for delivery to AHS/CPC seniors
Comply with all Fair Lending and other federal banking regulations, including proper notification standards and disclosure rules under ECOA/Regulation B
Must have thorough knowledge of secured margin lending and letter of credit underwriting processes
Experience with and strong working knowledge of standard margin loan documentation
Solid working knowledge of Federal Banking Regulations, especially Fair Lending regulations (ECOA, FACTA, CRA, FCRA, Reg O, Reg U, Reg W, etc.)
Good working knowledge of systems/MIS such as Word, Excel, PowerPoint, standard credit databases
Ability to effectively negotiate with bankers, internal peers, and occasionally external clients, as well as coordinate with outside counsel when necessary

115

Credit Analyst Resume Examples & Samples

Support and maintain the loan origination platform(s) for Synchrony Financial Credit organization
Analyze credit and fraud strategy change requests, document and Implement required strategy changes within the guidelines mandated by credit acquisition workflows. Perform appropriate pre and post implementation validations and communicate release activities to all stakeholders
Provide support for project requirement definitions and testing including test case preparation, test results validations and post release monitoring of new and existing projects
Represent acquisition credit function for all projects related to the loan origination platform
Maintain company credit policy and support new risk channels, tools and technologies roll out and ad hoc requests
Investigate, research and follow up on customer issues, complaints and defects
Maintain Credit Work Flows, Risk Control Matrix and follow up on audit/internal control recommended measures
Work in conjunction with the Portfolio Credit Managers to evaluate and enhance origination strategies
Bachelors' degree and 2+ years of relevant experience in consumer/commercial risk management, lending, marketing or appropriate field in a credit card / consumer lending environment. or; in lieu of a bachelors' degree, 6+ years of relevant experience in consumer/commercial risk management, lending, marketing or appropriate field in a credit card / consumer lending environment
Experience with using any decisioning software
Knowledge of Credit bureaus, Genasys, Surveyor, Edison or other legacy platforms
Interest in project management with extreme attention to detail, accuracy, integrity, and team focus
Cross-functional teamwork: ability to work together with team comprised of individuals from multiple functional backgrounds and drive results

116

Credit Analyst Resume Examples & Samples

Strong knowledge of various CCO Adjudication platforms
Experience in adjudication of complex credit applications
Strong telephone skills are a requirement of the job
Bilingualism (French/English) would be an asset

117

Credit Analyst Resume Examples & Samples

Assist in executing integrated sales, relationship, and credit strategies that are in alignment with the regional business plan to achieve desired revenue and service hurdles
Work closely with Commercial Banking Relationship Managers to provide product specialists with qualified referrals for cross-sell. Assist in closing deals across all products
Ensure safe and sound underwriting/credit practices are followed to promote sound lending activity
Accompany bankers on customer site visits, when appropriate
Maintain frequent interaction with centers of influence, diverse industry segments, community leaders, regulators, and senior business contacts
Ensure that the organization's activities are carried out in accordance with all regulatory, legal, and governmental regulations
Support the bankers in underwriting requests for credit extensions for new/existing clients, and in writing annual reviews
Assist with the preparation and presentation of loan committee packages
Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to determine repayment capacity based on cash flow statements, tax returns, and statements
Execute integrated sales, relationship, and credit strategies that are in alignment with the regional business plan to achieve desired revenue and service hurdles
Minimum of 2 years banking experience preferably in Commercial Banking with formal commercial credit training (i.e. Credit College)
Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis and projections
Strong written and verbal/presentation communication skills
Ability to work independently and also effectively within a team
Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts, Siebel and Moody's financial analysis software

118

Credit Analyst Resume Examples & Samples

Input financial and other information to the systems, obtain other information as required
Makes credit decision within established authority
Ensure that credit extensions are within defined target markets and risk acceptance criteria; and meet with applicable policy and procedures
Daily processing of availment ticket to existing customers
Carry out annual/interim/initial credit analysis of customers and approve the limit as maker
Management of the assigned portfolio
Follow up relevant periodical reports
Perform proactive risk management of transactional and portfolio activities, ensuring that all risks are identified and properly managed. This includes credit, operational, legal, and compliance risks
Credit availment analysis and approval
Early Warning Process
Interim financial analysis
Customer calling (as needed)
Participate in resolution of process issues
Contribute to development, testing and implementation of risk-related software
Behave according to the requirements of customer fulfillment
Interface with internal and external audit
Ensure credit problems are recognized, reported in a timely fashion and timely classification
Involvement in EW financial reviews
Involvement in improving related credit procedures and credit programs
Minimum 5 years of (commercial and/or corporate) credit analysis & approval experience in a local or an international financial institution
Strong verbal and written communication skills especially including English
Minimum Bachelor Degree or equivalent from a recognized university
Must be a business facilitator as well as being responsible for keeping the risk process honest

119

Credit Analyst Resume Examples & Samples

Loan Analysis and underwriting
Credit package completion
Financial Statement Analysis
Cash Flow Analysis

120

Credit Analyst Resume Examples & Samples

An influential global bank is looking for a Credit Risk Analyst to join the China Region Credit Risk team and undertake intensive credit research and analysis
As a Credit Analyst, you will work closely with the Risk Management team and the relationship management team to assess risks and perform all necessary credit due diligence and analysis on counterparties
You will review or recommend for approval credit risk-related transactions originating from counterparties
You will develop and maintain rapport with local regulators and government and provide updates and insights to the senior management team in China and HQ

121

Credit Analyst Resume Examples & Samples

Assessment of and deciding on the credit risk of both new and existing Professional Fee Finance accounts
Analysis of financial accounts, bank statements and customer's credit history in order to assess repayment ability
Liaising with Professional Fee Finance Sales Manager to obtain relevant information to assist with decision making process
Preparation of Credit Applications for decision both within the Professional Fee Finance team and by Credit Committee
Ensuring adherence to KBC's Professional Fee Finance Credit Criteria, Procedures and SLA's and ensuring a high level of accuracy
Ensuring a knowledge of and adherence to all Compliance and CBI requirements
Preparation of various monthly reports as required (ie) ICB reporting, monthly control reports and daily lodgement monitoring
Assisting with various other Credit Acceptance Department tasks as required

122

Credit Analyst Resume Examples & Samples

5+ years commercial credit underwriting experience and prior credit approval authority
Strong PC and technical skills, including experience with Word, Excel, PowerPoint and Outlook
Experience with Security Documentation; UCC’s, Security and Priority Agreements, etc

123

Credit Analyst Resume Examples & Samples

Initiate and document periodic review meetings
Continuous follow-up of statement of accounts, both internally and externally
Analyze and support resolution of disputes
Advice to the Treasury & Credit manager on payment terms and credit limits for (new) customers
Provide input on cash flow forecasting
Execute sales of receivables
Financial Acumen and skills
Ericsson wide knowledge & skills (other Functional Area)
Ericsson Business process
Fundamental leadership skills
Minimum Qualifications & Experience Requirements
Bachelor Degree in Finance or equivalent work experience
A degree in Business Administration, Finance, Accounting, Economics or equivalent
Knowledgeable in Treasury and Credit management practices
Ability to communicate in the customer's preferred language, as well as an openness to and respect for other cultures
DISCLAIMER: The above statements are intended to describe the general nature and level of work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of employees assigned to this position. Therefore employees assigned may be required to perform additional job tasks required by the manager

124

Credit Analyst Resume Examples & Samples

Evaluate counterparty credit risk based on analysis of both quantitative and qualitative factors, including fundamental credit analysis, in order to recommend internal ratings, LGD and credit limits
Assist the Credit officers in the portfolio analysis and on-going monitoring of various risk reports (e.g. stress reports, risk sensitivities reports, sector reports)
Interact with salespeople and traders covering a multitude of products in order to determine trading requirements and limit types to be established, as well as establishing guidelines governing trading
Participate in negotiations of trading documentation

125

Credit Analyst Resume Examples & Samples

A basic knowledge of corporate credit analysis techniques is essential
A basic ability to analyse and interpret company financial statements is essential
Knowledge of accounting standards would be useful
Working knowledge of Excel spreadsheets, Microsoft Access and research skills are desirable
Experience of performance testing and covenant compliance would be useful
Financial modelling skills would be useful
Language skills in any of German, Spanish, French or Italian languages would be useful, but not essential

126

Credit Analyst Resume Examples & Samples

Analyze information financial statements and related materials
Prepare summary, present facts, and offers opinions concerning credit-worthiness
Assign an overall risk rating to the credit request through the review and analysis of financial information
Develop and maintain financial background information on present and prospective customers
Develop credit analyses for use by lending officers or committees in the making of lending decisions on new credit approvals and renewals
Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies
Promote an environment that supports diversity and reflects the M&T Bank brand
Familiarity with Bank systems such as Risk Analyst, AFS, CSS, CLAS

127

Credit Analyst Resume Examples & Samples

Bachelor’s Degree required with an emphasis in finance, accounting, or other related field preferred
Minimum 1 year of credit analysis or financial analysis experience required
Minimum 1 years of experience in a banking or financial services environment preferred

128

Credit Analyst Resume Examples & Samples

Bachelor’s Degree or an equivalent combination of education and experience
General understanding of accounting
1 year of experience in underwriting or portfolio administration
Completion of Commercial Banking Training Program
Experience in portfolio management

129

Credit Analyst Resume Examples & Samples

3+ years of professional experience
Strong Excel skills (Vlookup, Pivot Tables)
Ability to work in an extremely fast paced environment
Strong communication and customer service skills
Strong phone presence
SOX/SOP compliance knowledge

130

Credit Analyst Resume Examples & Samples

Analyze financial statements and related materials
Working knowledge of personal computers and related software programs
Bachelor’s degree in Accounting, Finance, Economics
One year accounting, finance or financial analysis related experience

131

Credit Analyst Resume Examples & Samples

Analyze and monitor the credit quality of your assigned coverage of investment grade rated utility/energy issuers and regularly publish reports to UBS clients globally
Identify investment opportunities and provide specific recommendations in frequently updated valuation reports
Interact with senior investment professionals and present your investment recommendations to colleagues and clients
Support the creation of the UBS House View and coordinate with strategists, asset class specialists and economists within the Chief Investment Office
A minimum of two years of relevant experience as a fixed income/credit analyst for non-financial corporate issuers
Good understanding of market dynamics in investment grade corporate bond markets
Ability to develop and maintain financial models and arrive at investment conclusions
Strong analytical and organizational skills with the ability to work to tight deadlines
An advanced degree with a major in Economics, Finance or Business Administration. A professional financial certification such as CFA or FRM would be an advantage
A high degree of proficiency in English with the ability to write and present confidently and clearly. Advanced communication skills in German or French preferred

132

Credit Analyst Resume Examples & Samples

Review invoicing, purchase orders and other documentation to resolve billing disputes and ensure prompt collection
Research and resolve account problems and discrepancies with sales departments and/or customer
Coordinate/assist in the application of check, wire transfer and credit card payments with the accounts receivable department to ensure proper application
Communicate verbally and in writing to request payments and status of the accounts on a regular basis, maintaining notes for co-workers to use
Prepare, validate and coordinate with the Customer Master Department in the processing of customer maintenance forms for the set-up of new accounts and for modification of existing accounts
Resolve chargebacks and disputed items through contacts in Billing and or Sales departments and follow up with customer for prompt collection
Receive telephone inquiries and answer routine questions on the department policies referring unusual or non-routine matters to supervisor
Maintain IDS by entering, updating and retrieving data as well as formatting and generating reports
Prepare & review credit lines for maintenance & new customers.(D&B, DSO, Trades, etc.)
Work on assignments that are semi-routine in nature, but recognizing the need for occasional deviation from typical practices
Preparing periodic account information
Approval of orders
Daily bank deposits
General office duties and projects as required by supervisor
Requires a bachelor’s degree in a relevant field plus 3 to 5 years of related experience
Effective PC Skills necessary, including knowledge of spreadsheet, word processing and communication software through Windows platforms
Strong interpersonal skills and ability to work under pressure needed

133

Credit Analyst Resume Examples & Samples

Fluent in Spanish
Bachelor's Degree in Business Administration or Accounting
3-5 years of relevant professional experience
Previous experience collecting in a wholesale environment

134

Credit Analyst Resume Examples & Samples

To prepare annual and interim financial and credit analyses for ICG Clients (including financial modeling, determination of risk ratings, risks and key success factors)
To remain updated about the credit processes, policies, systems and incorporate the required changes into the credit packages and decisions
Make judgments / conclusions on the creditworthiness of an obligor/prospect
Maintain exemplary relationships with the Relationship Managers, product representatives, industry experts or other partners
To remain updated about the clients’ credit standing by calling on customers gathering of market/industry information and by coordinating with the Relationship Managers
Participate in structuring complex credit transactions
To specialize in specific industries and to remain current on economic developments by closely monitoring the macroeconomic variables and publicly available data about these sectors
To assure the timely submission of the credit analyses and ongoing monitoring of the client

135

Credit Analyst Resume Examples & Samples

Direct performance and review of credit inquiries, recommending/granting credit limit assignments, accounts receivable aging analysis
Managing outsourced team through KPI’s and DTP’s
Evaluate specific credit needs and credit risk factors for each account
Monitoring and managing the automated approval workflow as well as providing manual approvals as required
Personally review all files that cannot be approved through the standard process for a final decision
Personally perform analysis of financial statements of Customers as required
Effective manage all with all credit-related escalations
Support the Sales Organization by actively seeking and developing partnership, understanding the business requirements and ensuring communication is maintained at the highest standards
Ability to develop/deliver process enhancements and other training materials to Facebook Sales and Finance staff
Leadership to represent Facebook Finance on Client calls – including effective management into Clients’ Executive Management team members and their relationship banks
Promoting customer goodwill through professional credit management and relationship building
Own all SOX and Internal Audit activities in relation to the credit function while ensuring integrity and compliance at all times
Data analytics and KPI indicator formulation and reporting, and benchmark industry best practices

136

Credit Analyst Resume Examples & Samples

Analyze dynamic credit situations and developing investments theses and trade ideas
Interface with the Investment Grade/High Yield/Tactical Asset Allocation/Absolute Return Investment Teams across the BlackRock Platform
Strong aptitude in financial model analysis
Deep fundamental credit expertise
Provide investment opinions and trade ideas to a number of Investment Teams within the Multi Sector platform across High Yield and Investment Grade Credit products
Responsible for understanding the credit risk across the various portfolios
BA/BS, with strong quantitative skills; CFA a plus
Strong fundamental credit and analytical expertise
Excellent interpersonal skills and ability to coordinate between various groups including Investment Teams/Sector Specialists, Traders and Corporate Credit Research Group
Able to multi-task effectively
8-15 years of fixed income/credit experience

137

Credit Analyst Resume Examples & Samples

4-Year degree, Accounting or Finance
Working knowledge of Microsoft office products (Outlook, Word, Powerpoint)
Strong oral and written communication skills to articulate key information
2+Years Media collections or similar experience
PeopleSoft Financials and Sungard/GetPaid software experience

138

Credit Analyst Resume Examples & Samples

Proactively monitor exposures; undertake analysis/ investigation where required to ensure exposures are properly reported and exceptions resolved
This may include interacting with Sales and Trading as well as Credit Risk to understand the credit transaction
Coordinate with other departments and various levels of management regarding credit risk reporting issues, including investigating data issues, and resolving reporting errors
Serve as subject matter expert regarding credit risk reporting; develop and implement solutions as warranted
Identify policy and procedure gaps within the department, and propose solutions
Demonstrate an ability to resolve internal and external audit issues and to interpret information requests from Regulators
Develop an understanding of how financial and capital markets transactions, including derivative and foreign exchange trading, generate risk exposure and how this affects extensions of credit to varied clients
Develop a high degree of technical and policy understanding with respect to business credit processing
Develop and maintain effective working relationships with colleagues in other areas of Risk
The ideal candidate will have strong quantitative skills; good interpersonal skills; good written and communication skills; and be able to learn quickly
Candidate will pay strong attention to detail, with the ability to recognize reporting and processing errors
Bachelor’s degree required in Finance and/or Accounting field
1-2 years financial services experience recommended with prior exposure in
Strong computer literacy and advanced Excel, PowerPoint are a must-have

139

Credit Analyst Resume Examples & Samples

Coordinate/assist in the application of check and wire transfer with the accounts receivable department and customers to ensure proper application
Research and resolve account problems and discrepancies, related to credit notes, with sales departments and/or customer
Resolve chargebacks and disputed items through contacts in Billing and or Sales department and follow up with customer for prompt collection
Monitor the process of credit notes issuance
Set up new accounts and maintaining the customer master’s of existing accounts
Contact customers on regular basis for the renewal of letter of credits
Assist in supervising credit operations within a defined geographic region in a manner that will increase distribution and sales volume, contribute to the profit and stability of Canon, and provide for the prompt turnover and adequate protection of Canon's investment in accounts receivable
A college degree in business administration or accounting is preferred. The incumbent must have 2 - 3 years experience in a credit organization, including 1 year of specific experience in collecting accounts receivable in a wholesale environment. Some basic knowledge of economics, finance, accounting, statistics, marketing, and research methods is necessary. The incumbent must have good analytical ability and resourcefulness in identifying problems and their causes
Bilingual: English / Spanish fluency required
Proficiency with Latin America credit / collections preferred

140

Credit Analyst Resume Examples & Samples

Monitor and collect on past due accounts
Utilize strong Excel capabilities, including knowledge of spreadsheets, formulas, VLookups, and pivot tables, to identify and resolve invoicing and shipping issues
Processes and investigates chargebacks on accounts
Communicate effectively with customers
Release orders, approve orders for shipment based on account status
Cash posting, as needed

141

Credit Analyst Resume Examples & Samples

Timeliness and accuracy in the production of corporate credit ratings
Credit risk monitoring and identification of potential credit quality issues
Maintenance of interdepartmental rating database
Fluency in either German, Spanish, French or Italian Language skills will be useful, but this is not essential

142

Credit Analyst Resume Examples & Samples

Leads the work of others and provides training in more advanced credit analysis techniques
Coaches and mentors less experienced associates within a department
May develop, structure, negotiate and close transactions
Prepares spreadsheets, reports, and summaries
Advanced concepts, practices and procedures of credit analysis
Researching, interpreting and analyzing complex financial statements
Preparing complex financial position and credit reports
Structuring, negotiating and closing loan transactions
Monitoring compliance on loans/accounts
Manage relationships with clients
Maintain currency in credit analysis policies, procedures and methodologies
Solve complex problems
Bachelor’s Degree (B.A.) in Finance, Accounting, Business or related field with a minimum of five (5) years of credit analysis experience

143

Credit Analyst Resume Examples & Samples

Approach around 15 named counterparties, as agreed with Trading and Legal
Negotiate terms with all 15 counterparties simultaneously
Achieve at least 10 signed signatories to contracts with the associated credit support in place from the counterparty at the end of 6 months
Process to be overseen by Head of Legal
Proven ability to work under pressure (especially around month end) and adhere to strict time-tables for reporting and completion of reconciliations
Ability to communicate with and interact with finance and non-finance staff
As part of a small finance team, an ability to be highly flexible and able to work autonomously
Excellent MS Excel skills and ability to quickly pick up and understand accounting and trading systems

144

Credit Analyst Resume Examples & Samples

The major responsibilities of a Senior Credit Analyst are to objectively diagnose and evaluate the Counterparty and Credit Risks of an assigned portfolio as well as monitoring the Bank's exposure
This is achieved by writing up exhaustive but synthetic Credit Proposals based on a selective commercial and risk approach
They also present files in all levels of credit committees
Strong understanding of the UK Banking market and related legal loan documentation
Strong presentation skills (both written & oral)
Educated to Degree standard
Strong credit analysis skills (including cash flow and secured lending, forecasting and modelling and facility structuring)
Knowledge of banking products from a credit risk perspective, including
Vanilla commercial and corporate banking products (Overdrafts, Syndicated lending, cash management, guarantees and performance bond lines, committed facilities)
Global markets deals (varying from straightforward to complex structures, including currency, commodities products and derivatives)
** Rating Agency Candidates are welcome to apply**** If you feel you have the relevant skill set for the above job please apply using the "apply now" function on the E-Financial careers website, or alternatively please send your CV direct to me on dsakthithasan@morganmckinley.co.uk if you have any questions regarding the role please don't hesitate to contact me via email or 02070920064

145

Credit Analyst Resume Examples & Samples

Analyse business and personal banking transactions as well as counterparty reviews
Work closely with senior credit signatories and business stakeholders to ensure efficient deal turnaround
Negotiate and communicate credit outcomes
Contribute to project, portfolio management, compliance and policy work across the broader BFS Credit team as capacity and workloads require
Strong attention to detail and the tenacity to follow through objectives
Display evidence of excellent time management skills and a 'self-starter' attitude
Self-motivated and strive for success within the business
Flexible and able to work in a fast paced and dynamic environment
Possess an inquisitive mind and a passion for current affairs in banking and finance
Proficient with Microsoft Excel and financial modelling
Tertiary degree qualified (commerce, accounting, finance, economics, mathematics, or similar)
Preferably two to five years prior experience in a business banking role (ideally in credit) or experience in an analytical role within the financial services industry that required the interpretation of financial data and cash flow analysis

146

Credit Analyst Resume Examples & Samples

Providing outstanding and professional customer service to our introducers, including motor vehicle dealerships; brokers and aggregator firms, and other internal and external introducers
Building strong and mutually beneficial relationships with our third party introducers and internal stakeholders
Assessing and decisioning new consumer and commercial finance applications under a credit approval authority. Additionally, there will be some opportunity to assess chattel mortgage, novated leasing and equipment finance applications
Overall risk oversight, ensuring credit policy is maintained and applied and appropriate credit decisions are taken
Structuring credit and compliance risk to ensure we meet commercial outcomes whilst minimising losses; liaising with and assist other departments as necessary
Asset finance
Retail banking
Consumer finance
Telecommunications credit
Business banking
Credit control
Accounting or auditing
Insolvency and bankruptcy
Tertiary qualifications preferred but not essential
An appreciation of credit, risk management and compliance related principles
A strong desire for personal development, learning and professional growth in a high-performing environment
An ability to thrive under pressure, demonstrating a flexible attitude to change
An interest in working in wider organisational projects and initiatives
Demonstrated track record of superior customer service is vital for the successful candidate
Ideally an understanding of lending or leasing practices

147

Credit Analyst Resume Examples & Samples

Credit and / or Lending experience with at least 3 years relevant experience working in a Credit Risk or Commercial/Residential Lending environment
Excellent financial analysis and strong credit analysis skills
QFA Qualified or at a minimum working towards achieving same (Minimum APA)
Relevant Business Degree with a minimum of a 2.1 (Desirable, not essential)
High level of accuracy and attention to detail along with strong analytical and numerical skills
Ability to achieve results and a proven commitment to attaining desired goals
Good communication skills both orally and written
Deep understanding of the compliance, regulation and codes of conduct affecting the banking industry and the ability to find solutions to adhere to these principles
Able to adapt to change and thrive in a banking environment
Ability to effectively engage with other areas of the business to support inter-departmental projects and processes which directly impact the business
Excellent time management and prioritizing skills necessary
Strong team player as well as the ability to work on own initiative
Computer literate with a competent knowledge of Microsoft Excel, Word and Powerpoint

148

Credit Analyst Resume Examples & Samples

Primary responsibility for monitoring counterparty credit risk and independently managing a portfolio of circa 30 European Insurance groups
Support business by providing trade & structuring solutions as part of transaction review process and carrying out due diligence on new clients
Negotiation of credit terms in legal documentation (ISDA, CSA, loan docs, etc)
Liaison with other Risk & Infrastructure functions (e.g. Market Risk, Legal, Treasury)
Ensure regulatory requirements are met including annual credit reviews and excess ticket review
Contribute to improvements in the credit risk processes via ad hoc project work
High self motivation and hunger to learn
Financial institutions credit analysis experience, ideally covering European insurance companies
Extensive knowledge and understanding of capital markets products including foreign exchange, treasury and derivatives products including key risk drivers
Self-motivated with commitment and drive
A strong communication skills, both orally and written
Client focused, with demand management skills
A team player, evidence of working in team environment

149

Credit Analyst Resume Examples & Samples

Provide Credit Trading with views and analyses related to cash and synthetic securities of CEEMEA corporates
Analyze credit fundamentals as well as market technical in order to identify credit valuation arbitrage for the benefit of the trading desk’s clients
Understand legal documentation associated with capital instruments and have a grasp of a number of industry sectors with oil and gas and financial sectors being key sectors
Be able to develop scenario analyses and securities valuations. Review and manage risk on books with trading team
Provide coverage to sales and external clients. Regular client dialogue and interaction required
Fluent Russian or Arabic language and writing skills are highly valued
Extensive years cumulative experience analyzing emerging markets corporate institutions and corporate finance experience
Strong financial analytical skills with experience analyzing legal documents (offering memorandums, M and A agreements, regulatory documents, etc…)
Strong modelling and presentation skills
Able to perform on a trading desk setting
Demonstrate team skills to work with numerous partners
Language base – Russian or Arabic (professional fluency in English assumed)
Extensive years of experience in the finance or related industry
University degree in Finance or Economics

150

Credit Analyst Resume Examples & Samples

Provide insightful and concise credit analysis of the bank's current and prospective clients
Discussion of dynamics of the Client's operations, including key risk aspects
Assessment of Client's positioning within its industry
Continuous monitoring for credit-material events and proposal of counterparty credit grades through the relevant scorecards
Carrying out analysis which provides an informed opinion on the likely development of both business and financial risk elements in their industry / geographic context
Assisting in the development of the Credit Analysis Team by enhancing activities of team and also quality of credit analysis produced
Support and coaching to less experienced members of the team
Assessment of the clarity within a client's strategy and its associated risks
CAMELS - based analysis in line with approved templates
Discussion of other pertinent risk aspects, including macroeconomic factors and new regulatory requirements
Strong knowledge of credit policies and portfolio standards, and to ensure that these are enforced appropriately
Monitoring and interpreting market signals (CDS, news events, rating agencies etc) with relevance towards rating sensitivities; providing proactive recommendations to Risk and/or the Business as necessary
Relevant experience gained either in banking, treasury or accounting environment; minimum of 5/6 years

151

Credit Analyst Resume Examples & Samples

Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, and main office files
Analyzes prospective client accounts receivable aging
Analyzes financial statements and related material
Prepares summary, presents facts, and offers opinion based on the facts concerning credit-worthiness
Determines the need for more thorough investigation or additional information, and contacts appropriate sources for such information
Assembles and ensures that all credit files are kept current with latest financial statements, insurance certificates, and any other required documentation
Prepares and helps in establishing and maintaining the proper documents relating to the perfection of the company's lien position on credit facilities secured by accounts receivables, including client loan documentation, service contracts security agreements and other applicable loan agreements
Reviews UCC-1 lien searches and files UCC-1's on prospective clients
Prepares and presents client and debtor reviews at the appropriate time as required by policy
Demonstrates aptitude to analyze financial statements
Demonstrates independent decision-making abilities
Financial statement spreading abilities

152

Credit Analyst Resume Examples & Samples

Sound credit and analytical skills
Fundamental understanding of balance sheets, income statements, and statements of cash flow
Ability to learn internal bank systems and additional software applications
Strong combination of interpersonal communication skills, analytical and decision-making skills, with the ability to make recommendations and offer solutions

153

Credit Analyst Resume Examples & Samples

Optimize credit opportunities by assisting partners in adjudicating, structuring, packaging and authorizing credit
Escalate with recommendation those applications that exceed discretionary limits and established guidelines
Strong credit acumen - Subject Matter Expert with knowledge of credit adjudication and analysis
Strong knowledge of various CCO adjudication platforms
Advanced knowledge of products, end to end processes and systems
Organized, detailed oriented and ability to multi task effectively

154

Credit Analyst Resume Examples & Samples

2-3 years of experience in similar professional field
Problem solving attitude
Customer oriented, proactive
Fluent English and Hungarian
SAP knowledge is an advantage

155

Credit Analyst Resume Examples & Samples

Analyse counterparties and prepare credit memos which include recommendations to manage counterparty exposure
Analyse the credit risks in corporate loan and derivative trade requests in order to recommend accurate credit risk ratings and appropriate risk appetite
Present to the credit committee the execution of loan transactions from the beginning of a deal to the financial close
Communicate with clients and internal business units on credit requirements (assisting structuring new transactions), approvals and ongoing relationship management
Manage portfolio of corporate loan and derivative counterparties, including annual and quarterly reviews and adhoc waiver requests
Follow up on timely receipt of financial information from all clients and prepare credit memos and reviews according to firm policy requirements
Extensive experience in credit analysis and financial forecasting (CAMELS analysis), assigning ratings and sizing risk appetite
Knowledge/experience in the commodity industry(oil/gas; metals/mining)
Good knowledge in financial markets, financing and risk mitigating structures
Product knowledge e.g. leveraged loans, swaps, FX, equities, commodities
Familiarity with legal documentation and risk issues, including LMA and bond documentation, ISDAs, CSAs, netting, and credit mitigating features
Proficient skills in computer applications, particularly Excel (financial modelling)

156

Credit Analyst Resume Examples & Samples

Preparation of financial statement spreads and credit presentation packages
Participation in loan approval presentations
Portfolio credit risk review
Participation in seminars and on-going training sessions

157

Credit Analyst Resume Examples & Samples

Negotiates financial transactions and prepares transactions for documentation within limits of credit authority. Assists in negotiating financial and in preparing transactions for documentation for transactions in excess of credit authority. Assists in administration of wholesale and retail customer "loan" covenant compliance reviews, including on-site record and physical machine/inventory audits
Determines CFSC customer credit worthiness, approves/rejects CFSC customer deals within approved credit authority, recommends deals beyond credit authority, and restructures customer deals. Conducts and monitors credit investigations. Assists in leading the documentation of retail accounts receivable; administers in-processing, signing, and funding of documented transactions; monitors accounting input; and audits booked deals for accuracy
Understands the Harassment policy of the company and is responsible for its application in all aspects of employment

158

Credit Analyst Resume Examples & Samples

Thorough knowledge of and demonstrated ability to apply math computation skills
Knowledge of and ability to analyze customer credit summaries and past due accounts
Knowledge of and ability to apply past due account collection techniques
Knowledge of billing, invoicing and dealer payment principles and concepts

159

Credit Analyst Resume Examples & Samples

Write research on a regular basis and communicate it to relevant Bloomberg terminal clients via phone calls, in-person meetings, and online chat
Create and manage partnerships with key external market professionals, including clients and prospects, to identify additional commercial opportunities
7+ years of buy-or-sell side credit research experience, specializing in one or more of the following sectors: Healthcare, Technology or Basic Materials
Experience interpreting financial statements and performing quantitative financial, cash flow, and liquidity analysis
Knowledge of the Bloomberg Terminal required

160

Credit Analyst Resume Examples & Samples

Collects customer information for the credit application and approval process and submits to management for review, approval, or denial of credit
Assists in conducting periodic account reviews to identify and follow up on key accounts to ensure effective collection and customer service satisfaction
Consults and advises management regarding the status of outstanding accounts
Monitors the status of outstanding collection activity to identify problem areas, and adopts procedures to improve the overall collections process
Assists in the development and administration of effective credit and collections strategies and initiatives
Utilizes branch resources, AE contacts and internal attorney demand letters to support the credit and collections objectives
Identifies accounts that are uncollectible; informs management of risks of lost revenue or other anomalies; assists in the preparation and validation of bad debt write-offs for uncollectable account balances
Keeps detailed collection notes and recommends changes in customer terms
Generates reports and analyses to help successfully manage past due accounts
Assists management in assigning specific accounts to third party collection resources; works with collection agencies on post-placement issues, provision of additional information, settlement negotiations and suit approvals
Maintains effective working relationships between iHeartMedia and vendors to ensure credit and collection activities are consistent with iHeartMedia’s overall customer relations
Assists in managing bankrupt accounts, post-petition issues and the processing of bankruptcy related documents
May interface and partner with other business units as necessary
May make collection calls to customers for past-due invoices and short-payments
Stress tolerance & flexibility especially when working under pressure and with challenging clients
Minimum 2-3 years’ experience in a similar position

161

Credit Analyst Resume Examples & Samples

Handle accounts as assigned by Credit Manager
Prepare reports with credit information for use in decision making
Set and maintain customer credit limits
Assess credit history/worthiness to help make future decisions
Perform ongoing cash collections
Assist with order management and risk assessment
Research and resolve customer disputes/charge backs
Daily telephone calls to resole credit issues
Elevate problems to appropriate level
Correspond with assigned customer accounts on a regular basis to pro-actively resolve credit issues
Review comps/financial data
2-5 years of successful commercial collection and/or credit experience
Experience with credit worthiness determination and collections are required
Microsoft office experience is required
Jesta and/or GetPaid is a plus experience is desired
Bachelor's Degree is desired
Must be analytical, detail oriented, articulate and must be able to work independently
Excellent follow through skills
Will be service oriented and have experience managing a territory of retail customers
Must pass criminal background check as a condition of employment

162

Credit Analyst Resume Examples & Samples

Underwriting and documenting new credit requests and annual renewals for a portfolio of clients, including the preparation of high quality counterparty analysis. Associates are responsible for managing the credit approval process by managing analysts to ensure quality of work, adherence to credit policy, and timeline management of deliverables
Time sensitive transactional approvals, for which a familiarity with traded products (some or all of: Fixed Income, Equities, FX, Credit Derivatives) is essential; liaison with all relevant units such as trading floor, market risk, operations, and legal
Interim monitoring of clients' financial performance, and other analysis and reporting as required
A willingness to undertake ad-hoc departmental project work and special reporting tasks
Ongoing monitoring and timely analysis of risk ratings, exposure for assigned clients and compliance with terms and conditions, as well as ensuring adherence to all aspects of prevailing credit policy
Developing a working understanding of loan products (Bilateral and Syndicated Loans, Letters of Credit, Term Loan) and negotiating legal documents, including term sheets, credit agreements, trading documentation and amendments
Strong credit risk analysis comprising risk-based and conclusion-oriented analytical skills
Experience with credit analysis of insurance counterparties is essential
Knowledge of issues relating to industry risk, transaction risk, an awareness of country risk factors, reputation risk, and operational risk
Good communication skills, both written and oral - ability to be concise and with attention to accuracy and detail
Able to quickly absorb and follow credit policies and procedures
Strong understanding of standard Banking products in the lending and derivatives space
Strong work organisational skills with an ability to prioritise and work under pressure to ensure commitment deadlines are met. Ability and willingness to work as part of a team is essential
Basic understanding of standard credit-related documentation i.e. ISDA/CSA, LMA Standard (Investment Grade and Non Investment Grade) would be preferred
Good interpersonal skills and team player with a proactive attitude and ability to think independently and laterally
Experience in working within, or supporting an active trading business
Desire to strengthen credit skills under guidance, and progress within the expanding Financial Institutions area of a major US bank covering EMEA banks and Financial Institutions
Previous Insurance experience preferred

163

Credit Analyst Resume Examples & Samples

Support to gather customer credit information and assist the Senior Credit Analyst and Director Corporate Finance to analyze credit data for all new customers as well as for existing customers when periodic credit checks are required
Assist the Senior Credit Analyst and Director Corporate Finance 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 and regular review of the internal customer credit limits
Support to coordinate escalated commercial matters from the Enterprise Financial Service Center
Assist Bad Debt/Settlement write off approval and provide assistance where data and analysis where required to Sales and Customer Service for handling customers disputes
Support the Senior Credit Analyst and Director Corporate Finance in the escalation process on collection issues to the appropriate individuals for resolution
Analyze data and provide support surrounding the internal process for recommending and approving potential write-offs for customers
Provide support to the Senior Credit Analyst and Director Corporate Finance as directed with overall management of the working capital (Accounts Receivable related)
Support and co-ordinate activities on dispute management
Assist the dunning process
Local contact point for all credit related issues in own country and escalation point for contacts across departments and the Regional Enterprise Financial Service Center, the SDC (Shared Service Center in Poland) as well as the Head Office in Burbank, LA
Support the preparation of management reports and analyses
Support internal and external Audits
Liaise with customers and various departments (Sales, Customer Service or Sales Controlling)
Proactively work jointly with Sales Teams and Platforms to prevent new disputes and to accelerate the resolution of existing ones
Other tasks as required and assigned by the Senior Credit Analyst or the Director Corporate Finance
Minimum of 1-2 years experience in accounting, controlling and/or financial reporting
Working in a process-oriented organization
Good knowledge of general accounting and reporting practices along Local-GAAP and US-GAAP is a must, IFRS would be an advantage
Good knowledge of and experience with SAP FI/SD
Working in an ERP environment
Fluent German in speaking, reading and writing
Good English in speaking, reading and writing

164

Credit Analyst Resume Examples & Samples

Maintain consistent standards for granting credit; establish open credit limits and risk ratings for potential customers
Focus on continuous improvement and implement cross-functional process improvement opportunities
Establish strong, proactive partnerships with other corporate departments within the organization to minimize bad debt losses and improve service to customers
Maintain credit processes, identify risks and opportunities based on business strategy and market conditions

165

Credit Analyst Resume Examples & Samples

Business Acumen Working
Business Valuation In-depth
Conflict Management & Resolution In-depth
Environmental Understanding In-depth
Negotiation In-depth
Sales & Service Processes In-depth

166

Credit Analyst Resume Examples & Samples

Develop investment style and capability in a way that works for HSBC, its strategy and values. The role requires involvement with the local investment team, international analysts and portfolio managers
Committee Memberships include the Liquidity Credit Approval Committee
7+ years of experience analyzing liquidity issuers
MBA and or CFA
Work effectively: independently and in team environment

167

Credit Analyst Resume Examples & Samples

Conduct thorough, objective and efficient industry and company research in respect of increasingly complex financial and non-financial information, including audited financial statements, public accounts and other relevant management information
Perform accurate and timely credit rating and peer analysis applying cash flow models and forecasts
Produce timely, high quality credit reports to support the assigned ratings, documenting analysis and recommendations to be reviewed and updated by the analytical team leader or senior financial analyst
Present analysis at rating committee demonstrating good judgement in communicating rating recommendations
Conduct on-going monitoring and surveillance of assigned portfolios, including rating changes, market/industry/regulatory developments, news events etc. identifying early warning signs that need to be brought to committee for event driven rating actions
Keep up to date with relevant industry, market and professional developments through continued professional development and learning, including, for example, undertaking research, attending seminars, market briefings and presentations etc
Contribute to external presentations and seminars (including co-presenting), and the writing of specialist or macro reports on selected topics
Manage the relationship with rated companies, including leading management meetings, communicating rating outcomes and effective management of expectations
Build a network of contacts in the insurance market (clients, brokers, regulators and prospects), for the purpose of developing market intelligence
Provide on-the-job guidance and coaching to junior members of the team delivering constructive challenge and feedback on work quality
Proactively identify areas for performance or process improvement, recommending actions and positively contributing to the implementation of changes
Developed knowledge of the Insurance market within Asia
Developed knowledge of principles of finance and accounting
Experience of conducting financial analysis, ideally within the insurance industry, financial services sector, or a financial services consultancy firm
Experience of supporting external seminars and presentations through the provision of specialist technical or market knowledge and co-presenting
Evidence of developing and managing professional relationships with external stakeholders
Evidence of using coaching and mentoring skills to help peers or juniors deliver high quality outputs
Preferably a math, accounting, financial or economics background, knowledge of financial ratios, financial statement analysis
Bachelor degree minimum entry requirement, ideally in Math, Economy, Finance, Business, Accounting
Additional relevant professional qualifications are welcome (MSc / MA / MBA / CA / CFA, etc.)
Continuing education is required
Developed analytical skills and knowledge of financial markets and economic/industry trends
Strong written and verbal communication skills in English (all rating reports are written in English; team meetings and telephone conferences are held in English)
Self-starter and pro-active in bringing new ideas and solutions to the table and aggressively seeking knowledge
Must demonstrate ability to manage own time efficiently and effectively, and be able to multitask,

168

Credit Analyst Resume Examples & Samples

1-2 years of experience in an analytical role within the financial sector
Bachelor's Degree in Finance, Accounting, or Economics preferred
Good quantitative analytical skills

169

Credit Analyst Resume Examples & Samples

Deliver Fanatic Customer Service: Always Exceed Customer Expectations
Analyze financial statements; provide ratio analysis and cash flow analysis for lender evaluation
Gather information from all relevant and necessary sources to provide accurate analysis
Prepare narratives from analysis that focus on strengths and weaknesses of proposed credit
Respond to credit inquiries in writing
Attend Credit Committee meetings as non-voting member to facilitate discussion of financial concepts involved in credits before committee
Ensure all material is properly prepared for credit committee
Keep abreast of developments in the field through reading and seminars
Ability to multi-task in fast paced and changing environment
Excellent communications skills, written and oral
Competent problem solving skills
Ability to perform job functions accurately and with attention to detail
Ability to multi-task and remain organized
Ability to maintain confidential customer and Bank information in a responsible and secure manner

170

Credit Analyst Resume Examples & Samples

Review, analyze and underwrite commercial loan applications
Prepare written loan presentations for new loans, loan renewals and loan extensions, detailing the borrower's credit worth and bringing attention to any deficiencies in the credit or exceptions to the Bank's loan policy
Perform annual review of loans and lending relationships, ensuring adherence to loan policies and prudent underwriting criteria
Prepare written credit comments analyzing year-end financial statements or interim financial statements
Spread financial statements, analyze financial statements and perform collateral and cash flow analyses
Research and prepare comparable property sales and/or rental information for all properties taken as collateral
Deal effectively with customers, visitors, third party vendors, employees and officers, in person, via e-mail and on the telephone
Collaborate with the Lending Officer to ensure accuracy of narrative
2+ years of commercial banking analyst experience or similar experience
Formal credit training preferred, but not required
Strong math skills required
Proficiency in Microsoft Word & Excel and with industry specific software applications
Must have a consistent upward work history

171

Credit Analyst Resume Examples & Samples

Be a part of the work we do to enable progress around the globe
At Citi, we have a drive to help clients move from ambition to achievement that’s been in our DNA for over 200 years. Our company has been one of the foundational components of today’s modern financial infrastructure—this gives us a level of unmatched expertise in tackling the world’s most complex challenges and connecting across capabilities to enable lasting progress for our clients
We attract and nurture local talent from all over the world, ensuring our people are both deeply attuned to regional needs but also bring a global mindset to help clients, communities and nations move forward. Our culture is fueled by men and women with the passion to push beyond borders and boundaries, and the wisdom and courage to do what’s right
Citi’s Commercial Bank embodies our unique purpose as the global bank of choice for trade-oriented, mid-sized companies who see us as trusted thought partners that bring simplicity in an increasingly complex world, client-centric solutions for long-term growth and pave the way for them to reach across borders and achieve their global vision
The ability to understand the part they play in building a strong CCB culture that enables our teams to deliver remarkable experiences to our clients
The ability to thrive in an entrepreneurial organizational structure and add value by bringing an optimistic, proactive approach to the work they do
The ability to go beyond immediate business silos to build their network
Confidence and drive to own developing high quality, client ready information with strong attention to detail
The resilience to adjust plans and priorities when necessary to meet evolving client and business needs
Ability to embrace new technology and understand the role digital plays in the experience we deliver for our clients

172

Credit Analyst Resume Examples & Samples

Credit initiation for SME/MME customer acquisition and monitoring and responsible for all new customer exposures, as well as providing the business with vital "early warning" signals on the financial health of all accounts being maintained by Commercial Banking Group
CA/MBA with credit initiation experience preferred
Strong analytical and work organization skills
Effective verbal & non-verbal communication

173

Credit Analyst Resume Examples & Samples

Minimum 5 years of credit analysis or financial analysis experience required
Minimum 5 years of experience in a banking or financial services environment required
Represents basic qualifications for the position.To be considered for this position you must at least meet the basic qualifications

174

Credit Analyst Resume Examples & Samples

Good stress resistance
Ability to work independently and manage time efficiently
Good communication skills with the ability to interact with all levels of the organization, as well as external customers
Strong computer skills in Microsoft Office, Excel (intermediate to advanced) and on-line systems
4-year university degree or equivalent diploma in economic or financial area
Minimum of 2-3 years exempt experience in credit on similar position
Ability to interpret financial statements, calculate ratios and understand commercial credit reports

175

Credit Analyst Resume Examples & Samples

Produce reporting to monitor and provide insight across the customer journey and lifecycle, making recommendations to change current processes and strategies
Provide insight to and set expectation for portfolio and segment trends through targeted analysis and forecasting
Work closely with colleagues across the group
Degree from a top university/college or equivalent
Highly proficient modeling in SAS
Extensive and relevant experience of credit risk roles at a consumer lender
Reporting and presentation experience
Ability to work in an extremely fast paced start-up environment
Ability to address analysis requirements and outputs with a senior management team

176

Credit Analyst Resume Examples & Samples

Strong Microsoft Excel skills, particularly with V-lookups
Knowledge of SOX/SOP compliance
Experience with Pivot Tables

177

Credit Analyst Resume Examples & Samples

Strong financial modeling skills
Experience with MS Excel required, Argus experience a plus
Ability to work on multiple diverse projects simultaneously
(For Internal Hires Only) Familiarity with Bank systems such as Risk Analyst, AFS, CSS, CLAS

178

Credit Analyst Resume Examples & Samples

Hold a bachelor's degree in a relevant discipline
Must have experience in Leveraged/Infrastructure/Project Finance
Possess a working knowledge of market structures and dynamics
Be familiar with complex legal documentation and structures (term sheets, financing and derivative agreements)
Be fluent in spoken and written English (an additional European language would also be looked upon favourably)

179

Credit Analyst Resume Examples & Samples

Work directly with Senior Vice President of Credit, Chief Credit Officer, and Chief Risk Officer to develop and generate asset quality reports for internal management and outside investors
Coordinate and report all internal credit rating changes. Work directly with bank operations department to ensure rating information is updated properly on internal systems used for reporting
Generate and provide asset quality information used by federal regulators for quarterly on-site visits
Assist various departments within the bank in the completion of monthly reports and ADHOC requests as needed
Provide guidance to retail staff on lending policy and procedures

180

Credit Analyst Resume Examples & Samples

Provide interpretation of financial statement analysis and results of peer comparisons
Prepare financial statement spreads and loan portfolio management reports/analysis
Assist Commercial Bankers in loan request discussions with existing and potential borrowers
Assist Commercial Bankers with follow-up for covenant violations, monitoring financial statement submission maturity date renewals and past due reporting, and loan underwriting
Follow all established policies and procedures in completing the essential duties
Follows bank's goals, mission, vision, and values
Understands and complies with all bank procedures, laws, and federal regulations
Completes all required and ongoing education and training

181

Credit Analyst Resume Examples & Samples

Conduct thorough, objective and efficient industry and company research in respect of financial and non-financial information, including audited financial statements, public accounts and other relevant management information
Perform accurate and timely credit rating and peer analysis
Present analysis at rating committee
Conduct on-going monitoring and surveillance of assigned portfolios, including rating changes, market/industry/regulatory developments, news events etc. under the support and guidance of the analytical team leader or senior financial analyst
Communicate effectively and professionally with clients in respect of information requests and rating decisions, actively participate in discussions at management and other meetings
Maintaining accurate and timely records of ratings documentation in accordance with AM Best policy
Be knowledgeable in and follow the policies, procedures and rating criteria used in rating and project work related to your functional area and regulatory requirements
Contribute to initiatives to help improve the business process
You may be required to participate in business travel as required by your assigned portfolio
Bachelor degree minimum entry requirement (ideally in Economics, Finance, Business or Accounting)
At least three to five years' experience within the insurance or financial services sector
Solid understanding of financial markets; economic / industry trends, financial ratios and financial statement analysis
Excellent communication skills (written and verbal) in English
Fluency in Mandarin
Knowledge of Asian economies and culture is preferred
Excellent interpersonal skills; superior time management skills; the ability to absorb ideas and facts quickly while maintaining a strict eye for detail

182

Credit Analyst Resume Examples & Samples

Fundamental Research & Credit Analysis: Evaluate counterparty credit quality to assign probability of default and recovery ratings and set risk limits
Support Loan Evaluation & Approval: Assist in responding to banking requests for lending to regional corporates and financial institutions. Evaluation includes fundamental credit analysis and financial modeling, preparing credit committee presentation and presenting case to internal approvers and capital commitment committee
Support Trade Evaluation & Approval: Assist in responding to trader requests to approve derivative transactions and open trading accounts with new counterparties. Assist with exposure analysis, evaluation of legal and documentation requirements, and the negotiation of credit terms. Maintain record keeping of approvals
Sector Analysis: Evaluate industry trends and recommend action plans to manage sector and individual name exposure based on the outlook
Backlog Management: Keep credit reviews of assigned portfolio current
Prepare management presentations related to regional credit risk portfolio
Undergraduate degree, preferably in Finance, Accounting, Business Administration or Economics. Advanced degrees and/or CFA certification are not required but considered a plus
3 - 5 years of credit-related experience in financial services
Solid understanding of capital markets products, including securities, OTC derivatives, secured financing transactions and loans
Experience with financial modeling highly desired
Fluency or proficiency in Spanish; Portuguese as plus
Successful candidates will be well-organized, detail-oriented and have demonstrated ability to thrive in a complex, high-energy capital markets environment

183

Credit Analyst Resume Examples & Samples

Excellent team player who is very comfortable working as part of a larger team located in different locations
Experience in credit risk management, preferably in a multinational company
Organized, detail-oriented, and ability to multi-task with limited supervision
Strong team player who creates synergy within the group and is able to thrive under pressure in order to meet deadlines
Strong analytic and problem-solving abilities
Excellent communication, negotiation and public speaking skills
Strong interpersonal skills such as integrity, assertiveness, initiative
Organized and thorough with desire for continuous improvement
Experience working with outsourced services team is a plus
Experience with Oracle is a plus
Minimum 2 years' experience in a credit risk management role

184

Credit Analyst Resume Examples & Samples

Assessing the accuracy of multi-dimensional risk grades, financial statement spreads and other data used in determining risk grades
Performs ongoing quality control checks to determine the accuracy of multi-dimensional risk grading done by centralized processing groups and other lending units within the Bank
Tests compliance to department and Bank standards and procedures
Establishes and maintain processes and procedures for documenting findings
Provides monthly reports to management regarding quality control and other findings
Makes recommendations to improve risk management process
Requires a Bachelor's in business, finance, accounting or a related field
2+ years general commercial type lending or other directly related experience. A combination of education and experience may meet requirements
Ability to work with lending personnel and management
Requires solid interpersonal skills
Ability to meet deadlines. Must be self-motivated, detail oriented, and results driven
Working knowledge of various software programs, including word processing, spreadsheets, etc
Banking experience for C&I, CRE, and Private Banking environments preferred
Preferred knowledge of Moody's Risk Analyst, Tax Analysis or similar applications and multi-dimensional loan risk grading systems
Must have solid analysis and audit skills

185

Credit Analyst Resume Examples & Samples

Prepare Asset Writing Memos (AWM) for Authorized Point status clients
Prepare Financial Monitoring Dairy Notes (DN)
Annual Review Credit Memorandums (ARCM)
All other credit management activities as identified by Credit and Capital Management (CCM) from time to time
Responsible for write-up of IIB credit proposals by working closely with Frontline and Risk. Comprehensive credit memo/diary note coverage covering all key analytical areas – risk rating, financials, recent news, economic, political/regulatory environment and views from rating agencies/other research institutions
Personally develop and maintain strong working relationships with Business (RM's and R&A Associates) and Risk Executives to ensure all key risks are properly recognized and thoughtfully mitigated in credit proposals
Adherence to internal group policies, procedures and processes
Reduce regional variations in the templates, procedures and policies by adopting a globally consistent framework in the hub
Play an active and constructive role in identifying opportunities to improve the efficiency and quality of credit process
Engage in the development, implementation, review and monitoring of various credit programs

186

Credit Analyst Resume Examples & Samples

Monitoring exposure and implementing adequate risk mitigation solutions
Managing and developing customer relationships
Implementation of Group Credit policies
Handling loan applications both personal and corporate
Liaising with 3rd parties on all relevant data and information
Approving loan applications on an individual and group level
Working closely within a credit analyst team
Monitoring changes to market and industry regulations and requirements
Reviewing and upgrading of loan book on a regular basis
Bachelor's degree or equivalent preferred, FINANCE OR ECONOMICS
Minimum of two years experience in Credit Analyst, FX, Foreign Exchange, Risk Management, Commercial Credit, Forex, Risk Analyst, Financial Services, Accounting etc
Strong computer skills, including a familiarity with MS Office including Word, Excel, and Outlook at an intermediate level
Knowledge of credit exposure methodologies and of manipulating and analysing data

187

Credit Analyst Resume Examples & Samples

Conduct credit research & analysis on large Hong Kong large corporates, SME, and PRC Financial Institutions, analyze historical financials and write high quality credit rationales
Identify and escalate any risk to management and advise on relevant measures
Have at least 2 years of relevant credit risk management experience
Independent and a self starter, detail oriented
Have sound knowledge in the large corporate, SME clients

188

Credit Analyst Resume Examples & Samples

Take an active involvement in the analysis of complex restructuring (and lending where applicable) scenarios, incorporating internal & external Bank borrowings across multi product exposures
Assess and review customer information and work within the team to determine the optimum solution for the Bank incorporating protection of the Banks capital base
Work closely within the team to provide end to end delivery of debt restructuring, including portfolio and customer relationship management, while taking joint responsibility for delivering on a set of challenging targets
Analyse issues associated with the resolution of a customer's facilities, most notably repayment capacity, security and fulfilment, demonstrating the capacity to draw on expert/cross discipline advice and knowledge
Demonstrate a strong understanding of regulation associated with lending and restructuring, most notably SME, CCMA and CPC. Also, ensure to be fully versed in all products, policies and procedures associated with the role
Work with the team to manage the risk associated with the assigned portfolio ensuring that the general risk management tasks, including but not limited to provisioning, grading and arrears management, are followed in compliance with Bank policy and procedures

189

Credit Analyst Resume Examples & Samples

Establish and manage credit limits, key risk data and working capital metrics
Prepare/present monthly reports and analysis of departmental KPI’s
Prepare weekly cash flow forecast and schedules to support the borrowing base certificate
Coordinates with all levels of management to gather, analyze, summarize, and prepare recommendations regarding financial plans and forecasts
Makes recommendations to management regarding cost saving or profit generating opportunities and profitability improvement strategies
Serve as a primary liaison for the Credit Team regarding escalated concerns
Work across the Finance team and business to advance analytics and reporting
Participate in 2-3 projects annually aimed at continuously improving the business/department
Provide ad hoc financial analysis as needed
Bachelors degree in finance or accounting required
3+ years of progressive work experience in credit and/or finance to include prior experience with financial statement analysis, portfolio risk management, working capital analysis, or bank credit underwriting
Comprehension of credit/AR policies as it relates to both theory and practical application
Must have strong analytical and problem-solving ability; data-mining, modeling and reporting skills
Demonstrated experience making decisions, dealing with ambiguity, and influencing others
Polished communicator, comfortable interfacing with and influencing leaders and various stakeholders
A forward-thinking, self-motivated individual with a strong desire to improve processes and drive change
Enhanced credit and business acumen, not only with the ability to assess creditworthiness, but also to understand and apply other factors/solutions in decision making
Adept at reviewing financial and other key data, noting trends and interpreting for vested parties
Requires ability to perform advanced spreadsheet modeling and maintenance in Microsoft Excel
Requires advanced understanding and use of Microsoft Word and PowerPoint
Must possess the ability to quickly learn system data-mining processes
Desire and ability to learn, grow, and develop into leadership roles

190

Credit Analyst Resume Examples & Samples

Ongoing monitoring of the credit-worthiness of the portfolio, including using a variety of media as well as ongoing direct contact with clients
Assess credit risk ratings and limit structures of FIs
Detailed credit analysis of financial information including published and management reports, financial models and appropriate sensitivity scenarios
For new clients, provide input on the credit terms of and support the negotiation of legal documentation, which includes GMRA, GMSLA and ISDA with and without CSA
Experience of working in a regulated environment in Financial Services
Must be highly numerate, with a level of experience in credit analysis including with financial institutions and with a particular focus on global markets and derivative products
Have a sound grasp of International Accounting Standards and familiar with the principles of financial ratings
Have good understanding of transaction and security documentation (particularly GMRA and ISDA) and the implications with regard to the Bank's ability to take action

191

Credit Analyst Resume Examples & Samples

Credit Decision
Knowledge of credit process & policy
Superior customer service ethic
Asset finance experience preferred

192

Credit Analyst Resume Examples & Samples

Requires a Bachelors degree in Finance or a similar field and 2+ years working experience
Knowledge of the credit analysis process and how it relates to a sales environment
Extensive knowledge of financial spread analysis and credit/lending procedures for very complex loans in specialized market segments
Ability to make sound decisions and recommendations regarding loans
Contributes to the development of new credit theories and methods

193

Credit Analyst Resume Examples & Samples

Complete AR reconciliations including cash, gross billings & gross to net
Ensure key functional interfaces have an understanding of AR process requirements
Remittance interpretation
Preparation for Audit

194

Credit Analyst Resume Examples & Samples

Bachelor’s degree required, major in business, finance or accounting desired
CA-III: Four (4) years of credit analyst experience with two (2) years at a FI of $500M+
CA-IV: Superior expertise demonstrated at loan analysis and ability to handle a variety of complex loans
Solid skill set in the use of Microsoft Office Suites
Significant experience with Fiserv/ITI software Required
CA-II, III, IV: Strong understanding of collateral and loan documentation and application of credit analysis techniques
Strong interpersonal skills including the ability to write letters, reports and other correspondence,
Ability to speak effectively with customers and lenders

195

Credit Analyst Resume Examples & Samples

Perform financial and credit analysis of names within coverage sectors
Monitor market developments and quarterly financial performance of names to determine credit pricing impact
Assist in gathering and analyzing industry and macro data to identify trends and help develop broad views of corporate credit and sector allocation

196

Credit Analyst Resume Examples & Samples

Will have 1-2 years' experience in Banking
QFA/APA qualification an advantage but not essential
Will ideally be educated to graduate level or equivalent
Be professional with a strong focus on delivering high levels of customer service

197

Credit Analyst Resume Examples & Samples

Associates or Bachelor of Science in Business/Accounting or comparable experience required
At least 3-5 years' experience in a credit function with a detailed understanding of credit, invoicing, and AR processes
Must be proficient with Microsoft Excel
Must be familiar with credit and debit memos
Detailed working knowledge of Oracle JD Edwards or comparable ERP system
Knowledge of NACM and D&B
Ability to communicate with other departments in both verbal and written form
Most have strong analytical skills
Ability to multi-task and be able to work well in stressful situations
Professional personal presentation
Responsible for reconciling customer accounts via phone or email
Resolve outstanding deductions, overpayments, and open credits with customers
Investigate customer credit applications and make recommendations to Credit Manager
Review credit reports from Dun & Bradstreet (D&B) and National Association of Credit Management (NACM)
Initiate mechanics liens as necessary
Follow company credit policy when establishing customer credit limits
Support the processing of cash receipts, returns, and credit and debit memos
Prepare monthly analysis of management review

198

Credit Analyst Resume Examples & Samples

Requires a Bachelor's in finance, business, accounting or a related field and some credit/financial analysis, lending, underwriting or other directly related experience
A combination of education and experience may meet job requirements. Basic knowledge of financial and spread analysis, credit, lending and underwriting processes and principles
Some experience working with various types of loans
Basic knowledge of credit risk, legal and regulatory requirements
Good client relationship and communication skills, both verbal and written
Working knowledge of computer software programs including spreadsheets, word processing, etc. required

199

Credit Analyst Resume Examples & Samples

Assessment of and deciding on the credit risk of both new and existing retail mortgages accounts
Preparation of Credit Applications and working closely with line managers prior to presenting to Credit Committee for decision
Preparation of Loan Offers
Carrying out Quality Control Checks on both data and credit criteria
Liaising with peer departments and 3rd parties (accountants, valuers etc) to obtain relevant information to assist with the decision making process
Provision of daily / weekly control reports and analysing same for improvements
Ensuring adherence to KBC's Credit Criteria, Policies and SLA's and ensuring a high level of accuracy and standards are met at all times
Computer literate with a competent knowledge of Microsoft Excel, Word and PowerPoint

200

Credit Analyst Resume Examples & Samples

Minimum of 2-3 years experience in a credit/lending environment including analysis of self employed applications is a must
Strong ability to analyse data and make decisions on loan applications
Exceptional verbal and written communication skills with the ability to communicate to various levels of management and business partners effectively
Commitment to ensure work is delivered on time and in the highest quality
Work both independently and as an effective team member

201

Credit Analyst Resume Examples & Samples

Prepare & review credit lines for maintenance & new customers. (D&B, DSO, Trades, etc)
Bachelor's degree required in Business Administration or Accounting
3 - 5 years experience collecting in a wholesale environment is required

202

Credit Analyst Resume Examples & Samples

Determines cash flow using appropriate tax analysis
Prepares summaries, presents facts, and offers opinions concerning credit-worthiness
May provide rates and loan information to clients
Ensures that all credit files include proper documentation including current financial statements, agency reports, etc
Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed
Writes credit memorandums
Conducts industry research
Assists with special projects as assigned

203

Credit Analyst Resume Examples & Samples

Thorough knowledge of and demonstrated ability to calculate amortization schedules
Knowledge of CFSC’s financing and leasing products
Knowledge of past due account collection techniques
Knowledge of UCC filing requirements and their applicability to bankruptcy laws and regulations
Demonstrated ability to concentrate on results while being flexible to achieve goals. Has a sense of urgency and willingness to accept accountability
Demonstrated ability to develop and maintain good interpersonal relationships working effectively with others inside and outside the company
Demonstrated ability to strive for quality as well as timeliness maintaining perspective as to the outcome of the decisions
Demonstrated ability to learn and takes proactive steps to increase knowledge showing a commitment to the business

204

Credit Analyst Resume Examples & Samples

Prepare written counterparty annual reviews/credit proposals for submission and presentation to management providing appropriate recommendations
Interact with counterparties to conduct due diligence and obtain relevant as well as salespeople and traders covering a multitude of products in order to determine trading requirements and limit types
Monitor counterparty credit quality on an ongoing basis and evaluate transactional risks associated with various trading activities
Perform other tasks as needed

205

Credit Analyst Resume Examples & Samples

Perform credit review and risk assessment of the new transactions/clients/limits, including pre-review of the potential new clients
Prepare credit report as a basis for a credit decision on the transactions including contract extensions/roll overs/modifications etc. according to the valid approval matrix
Perform client rating calculation and review, including update on the external rating changes
Conduct timely review of performance of regular customers and maintenance of early warning signal database
Co-operates with Credit Monitoring team in defining appropriate strategy for watch listed customers
Participate in the definition of the credit approval standards, templates and tools and ensure their consistent utilization
A minimum of 3 years of experience in Credit or Risk Management in a banking or financial services environment
Profound knowledge of FX payments and derivative products
Good knowledge of banking operations, functions, products and processes

206

Credit Analyst Resume Examples & Samples

Research experience of Consumer Cyclical and Non-cyclical sectors is preferred
Holder of Chartered Accountant and/or Chartered Financial Analyst qualifications is welcome
Good degree gained from an academic institution

207

Credit Analyst Resume Examples & Samples

Minimum of Two (2) years of credit analyst experience within a Commercial Bank environment
Solid expertise demonstrated at loan analysis and ability to handle a variety of complex loans
Solid understanding of collateral and loan documentation and application of credit analysis techniques

208

Credit Analyst Resume Examples & Samples

Reviews and approves, modifies or declines retail collateralized transactions within established credit authority
Makes recommendations to management on proposals beyond the analyst’s credit authority
Prepares fleet credit proposals
Actively participates in evaluating customer credit quality and ongoing financial stability
Follows up on completed applications
Performs retail and wholesale financial analysis
Minimum of two years’ credit and finance experience
Heavy equipment or commercial lending and dealer network experience highly desired

209

Credit Analyst Resume Examples & Samples

A BS/BA degree (Business, Finance & Accounting preferred; all majors considered)
Typically a minimum of two (2) years of credit analyst experience
Completion of a major corporate bank credit training program (or the equivalent corporate banking/corporate finance experience)
Experience in building and maintaining positive client relationships
Superior analytical, quantitative, leadership, interpersonal and written/verbal communication skills
Keen attention to detail and creative mindset
Proven ability to multitask and meet deadlines in a fast-paced environment

210

Credit Analyst Resume Examples & Samples

Analyzing financial and operating statistics on specific issuers and sectors
Preparing financial models (historical and projections) for specific issuers, with proprietary analytical forecasts
Reviewing and analyzing economic, market, industry/sector, issuer and/or bond specific market data of importance
Utilizing quantitative and qualitative information obtained to determine financial and competitive advantages of companies in the coverage universe
Develop and write opinions on fundamental credit trends and ratings forecasts. Provide recommendations on specific sectors and individual securities based upon credit analysis and assessment of credit risk
Summarizing company meetings, sell-side presentations and earnings conference calls, as needed
Informing portfolio managers/client service on major company or sector news events, rating actions etc
Interact with portfolio managers and client service teams to support client requests
Minimum of 5 years experience covering the TMT sectors
Strong fundamental analysis skill, with an ability to translate fundamental credit opinion into relative value recommendations
Analyze and assess corporate and financial structures, covenants and other deal terms
Knowledge of current events/trends impacting Consumer non-cyclical business issues (i.e. macro-economic, socio-political, industry, etc.) is required
High analytical orientation, conceptual skills and practical handling of market databases
Strong ability to communicate concisely orally and in writing
Strong ability to manage and prioritize numerous tasks simultaneously
Ability to work with both a high degree of independence and as part of a team across locations

211

Credit Analyst Resume Examples & Samples

A business, accountancy, engineering, numerical qualification applicable to the role
At least 4-5 years of proven credit analysis experience within the airline, shipping, investment banking or commercial lending environment with strong credit review and /or risk analysis exposure a must
Dynamic self-starter / self-motivated
Strong numerical, analytical and commercial capability
Ability to speak, write and read in Mandarin is preferred
Insightful communication and report writing skills
Excellent presentation and organisational skills
Capable of working under own initiative
Capable of making decisive decisions - 'no second guessing'
Willingness and capability to travel extensively

212

Credit Analyst Resume Examples & Samples

Experience in a similar credit analysis/reporting role
Qualified to A Level Standard or above
High Standard of Excel Skills
Experience of data analysis, manipulation and reporting

213

Credit Analyst Resume Examples & Samples

Analysing credit risk for the purpose of assessing credit appetite, assigning credit limits and ratings
Taking ownership for reviewing and monitoring a portfolio of counterparties
Follow, monitor and escalate market trends and news events which may impact the credit quality of the counterparties covered
Active and collaborative engagement with businesses to identify measure and manage counterparty risk, reviewing and analysing trading counterparties and transactions to ensure that they are well structured, meet appropriate return hurdles and have risk appetite appropriately determined
Making recommendations to senior management
Assisting in the negotiation of credit terms in relevant documentation in accordance with market conventions
Identifying productivity improvements to current processes

214

Credit Analyst Resume Examples & Samples

Negotiating financial transactions and prepare transactions for documentation within limits of credit authority
Visit customers from the Southern Cone to complement financial reports and analysis
Perform country risk reports for the different countries in the Southern Cone, to determine risks, opportunities, new businesses and current situation of CFSC
Receipt of Financial Statements, have an interpretation ability, review and enter them in the respective software with the corresponding breakdown
A 4-year university degree and a minimum of 1 year experience in credit, and/or financial statement analysis. (Comercial or Civil Engineering)
Advanced written and oral English communication skills. (To be evaluated during the interview)
Knowledge of financing principles
Knowledge of financing and leasing products

215

Credit Analyst Resume Examples & Samples

Creating and maintaining credit history files
Managing collection efforts/calls for the assigned portfolio
Documenting daily collection activities
Researching account disputes and billing discrepancies in conjunction with customer service
Performing account and payment reconciliations
Risk assessment for new and existing customers
Identifying delinquent accounts requiring external collection efforts
Participate in department projects

216

Credit Analyst Resume Examples & Samples

Responsible for judgmentally decisioning new credit card applications and credit line increase requests using Barclay’s lending philosophy
Assess credit/fraud risk on each application
Make outbound calls as necessary to develop additional information & to facilitate final disposition of applications
Process inbound calls from customers and/or other Barclays associates
Identify trends/issues on a daily basis and bring to the attention of the management staff
Participate in side by sides with newly hired colleagues

217

Credit Analyst Resume Examples & Samples

Responsible for judgmentally decision new credit card applications using Barclay’s lending philosophy
Analysts are required to assess credit/fraud risk on each application they decision
Makes outbound calls as necessary to develop additional information to facilitate final disposition of applications
Process inbound calls from customers and/or other Barclay’s associates
Work on management approved projects that will improve efficiency
Contribute to new hire and reoccurring education
Assist with user system testing and other special projects as assigned
1+ year experience in a customer service environment

218

Credit Analyst Resume Examples & Samples

Prepares credit analysis and investigation of new and renewed commercial loan requests and provides the necessary documentation and financial facts for Credit Officers to analyze, evaluate, and determine appropriate credit structure and terms for potential borrowers
Provides analytical functions relating to due diligence, document processing, and financial statements analyses related to transactions, credit approval, and renewals. Prepares summary documenting factual analysis and supporting information for credit decision recommendations
Monitors and reviews REACT reports and works with Entertainment Relationship Manager to obtain necessary information to ensure that reporting requirements are met
Prepares CRR based on meeting with Relationship Managers and/or Credit Officers,
Recommends proper loan documentation and loan structure for less complex and moderate credits
May contact borrowers directly for additional information and details related to loan requests
May makes client calls to obtain all necessary information and clarification on financial analysis materials and resources
Works with attorneys and other financial and legal resources to obtain correct and accurate documentation to protect the bank's interests in the credit relationship, and existing credit arrangements

219

Credit Analyst Resume Examples & Samples

To provide the highest standards in customer relationship management to a portfolio of customers across a number of sectors
To develop positive and professional working relationships with key internal and external teams
Achieve KPI's which will include both restructuring and management of restructured portfolio of customers
Provide support to the wider team as required
2years' + experience of working in a lending and / or restructuring area of a financial services company is highly desirable
QFA Qualified or APA Qualified in: Housing Loans, Home Reversion Agreements and Associated Insurances; Consumer Credit and Associated Insurance
Evidence of building and maintaining relationships with customers in a challenging and fast paced environment
An ability to prioritise and plan to effectively achieve goals and to be dependable in consistently delivering reliable results

220

Credit Analyst Resume Examples & Samples

Providing appropriate credit restructuring solutions to our customer base across Personal, SME, Corporate and Property Sectors
2-3 years' experience of working in a lending and / or restructuring area of a financial services company is highly desirable
QFA Qualified or APA Qualified in
Housing Loans, Home Reversion Agreements and Associated Insurances
Consumer Credit and Associated Insurances
Proficiency in Microsoft Word, Excel and Outlook

221

Credit Analyst Resume Examples & Samples

Four (4) years of credit analyst experience with two (2) years at a FI of $500M+
Superior expertise demonstrated at loan analysis and ability to handle a variety of complex loans
Strong understanding of collateral and loan documentation and application of credit analysis techniques

222

Credit Analyst Resume Examples & Samples

Optimize credit opportunities by assisting our Branch partners in adjudicating, deal structuring and authorizing credits
Maintain good relationships with partners including responding to questions and concerns in a timely manner
Protect the interests of the Bank by ensuring credit is being adjudicated in accordance with assigned discretionary limits and established policy guidelines
Escalate with recommendation for those credit applications that exceed discretionary limits and established guidelines
Fluent knowledge of English and French and strong writing skills in both languages
Strong knowledge of various TD platforms
Strong knowledge of TD's Small Business products
Strong credit acumen
A good understanding of business financial statements
Ability to multi-task and work within a fast paced environment
Good organizational skills and detail oriented
High level of computer proficiency
High level of customer service
Enthusiastic individual

223

Credit Analyst Resume Examples & Samples

Has up to 3 years experience within a Credit Risk or Commercial/Residential Lending environment
Is qualified with a relevant 3rd level degree or a professional equivilant
Has QFA qualifications or at a minimum APA
Can bring excellent skills in both financial and credit analysis
Is highly accurate with a keen eye for detail
Brings strong analytical and numerical skills
Is able to achieve results with a proven commitment to reaching desired goals
Has excellent communication skills both written and oral
Comes with a deep understanding of the compliance, regulation and codes of conduct affecting the banking industry and the ability to find solutions to adhere to these principles
Can easily adapt to change and can thrive in a banking environment
Can easily engage with other departments to support projects and processes that impact our Client
Takes time management and prioritising very seriously
Is a strong team player who has the ability to work on their own initative
Can navigate effectively through all aspects the Microsoft Office Suite

224

Credit Analyst Resume Examples & Samples

Understanding of Balance Sheets and profit & Loss reports for companies and small businesses as well as commercial and personal tax returns
Understanding of Working Capital as it applies to a business
Previous experience in lending to business
Previous experience where cash flow rather than ancillary security, supports the lending decision
Understanding of the ANZ Group Credit Policy
Working knowledge of all legislation impacting credit assessment and lending operations
Previous experience working in a team environment
Ability and experience in negotiating to achieve beneficial outcomes
Experience in conflict resolution/dealing with difficult situations
Understanding of key relationship drivers for all intermediaries
Demonstrated ability to approve credit arrangements at moderate levels
Developing negotiation skills to enable successful resolution of customer loan applications/queries/complaints
Sound verbal and written communication skills
Proven time management skills and organisational ability
Degree qualification or experience in an accounting/economics/finance related discipline is advantageous
Knowledge of ANZ Asset Finance’s credit policy
Broad keyboard and systems application knowledge

225

Credit Analyst Resume Examples & Samples

Associates/Baccalaureate degree in Business Administration or equivalent experience is desirable
Previous management of and responsibility for accounts receivable portfolio
Working knowledge of SAP FI/CO and Deduction Management System

226

Credit Analyst Resume Examples & Samples

50% 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
20% Understand current credit and risk assessment tools, risk measurement and rating methodologies, including their underlying assumptions and potential weaknesses. Challenge assumptions used in the application of the credit and risk methodologies based on understanding of the TSF Business
10% Assist on ad hoc projects defined by Risk Management
Minimum of 3 years of financial credit analysis and business work experience
Demonstrate strong analytical and critical thinking skills
Negotiation and conflict resolution skills. Maintain and nurture relationships with peers, traders and managers while retaining the ability to challenge them; independent mindset
Ability to manage multiple competing priorities & deliver on tight deadlines
Demonstrate strong customer focus and desire to improve processes and find solutions to meet customer needs

227

Credit Analyst Resume Examples & Samples

Good verbal and written communication skills with ability to deal with sensitive and confidential information
Good computer skills, preferably JD Edwards or AS400 experience
Working knowledge of MS Office, specifically Intermediate Excel experience
SQL and SAS experience preferred, not required
Provide effective customer service to internal and external customers
Demonstrated knowledge and experience in reviewing and interpreting financial reports and data
Ability to follow written procedures, policies and delegation of authority
Ability to multi-task under pressure
Business math and basic accounting knowledge
Detail-oriented with an eye for continual process improvement

228

Credit Analyst Resume Examples & Samples

Minimum of 3 or more years of directly related experience, preferably in credit/collections
Proficiency in written and spoken English and Spanish and/or Italian
Requires knowledge of basic accounting principles and has excellent knowledge of cash collection processes and risk analysis practices
Excellent credit skills required in areas such as insurance, letters of credit, financing, and legal environment
Places a high priority on customer satisfaction
Proficient in SAP A/R systems highly desirable
Minimum 2 years in a multinational environment

229

Credit Analyst Resume Examples & Samples

Responsible for collection of receivables on a portfolio of customer accounts
Owner of AR reporting duties: review results, explain variations, provide finance controller with AR Provision calculation
Conducts periodic A/R reviews with Senior finance and Business Management
Establish and maintain contact with customers concerning past due amounts, payment trends, to improve corporate cash flow and perform resolution of disputed invoices
Provides payment application details to cash application team on customer accounts

230

Credit Analyst Resume Examples & Samples

Minimum of 2 or more years of directly related experience, preferably in credit/collections
Experience with customer contracts and documentary trade transactions such as L/C
Experience with negotiations on collections, disputes and securitization

231

Credit Analyst Resume Examples & Samples

Responsible for appraising credit risk of new and existing customers consistent with the Refining & Marketing credit standard & policies
Ensure timely and accurate recording of Accounts Receivables into the ledgers
Ensure timely and accurate recording of Accounts Payables into the ledgers
To ensure that all invoices are approved appropriately and paid on time
To provide a helpdesk facility for any queries from Outsourced Service Providers/suppliers/BP business staff
To prepare and support documents for period close
AR/AP Accounting experience > 3 years

232

Credit Analyst Resume Examples & Samples

Monitor assigned portfolio of customer accounts to identify and resolve aged balances
Exercise credit holds based on department guidelines
Complete NSF worksheet analysis and recommend action to resolve
Release customer orders as required
Update and review credit files
Prepare and analyze exposure tracking reports
Perform credit investigations in conjunction with new business
Provide alerts and recommendations to Management based on credit file updates and customer trends analyses
Maintain portfolio database
Assist with special projects or other duties as requested or apparent
Bachelors degree in business, finance, or related field
Three or more years commercial credit analysis with collections experience
Able to spread and analyze financial statements and tax returns
Attention to detail, ability to multi-task and strong analytical and problem solving ability

233

Credit Analyst Resume Examples & Samples

Processes and performs credit worthiness reviews on new and existing customers as required to ensure in line with corporate policy, ensuring minimal risk to the business
Authority to approve new accounts within DOA policy guidelines
Evaluation and assessment of credit worthiness for residential and commercial applications
Analyzing financial information such as statements, management accounts and cash flow statements for existing customers for appropriate credit limit assignment
Analyzes credit exposures for commercial and residential accounts
Supports the implementation of corporate credit policies and audit compliance against them
Establish and maintain relationships with internal and external clients; liaising with other staff within the company such as account managers, CSR and branch managers
Prepares credit reports for management as required
Responds to inquiries by internal and external clients to expedite credit applications or credit limit increase requests
Responsible for maintenance of customer master data integrity and reporting
Interacts with management to advise and recommend changes to policy and procedures
Participates in special projects to improve credit systems, reporting and processes
Participates in a trade association industry group to gain better insight into the industry and collaborate on credit issues (NACM)
Ability to work on multiple projects simultaneously and prioritize critical customer needs with limited supervision
Special projects or back up for other team members as required
Degree in Accounting, Finance, Business or a related subject preferred
5+ years of current work experience in a credit analyst role
Position requires the ability to multi-task and be flexible to changing demands
Detail oriented with excellent problem solving and decision making skills
Reviewing and understanding credit reports. (DBNi, Kroll, Experian)
Must be able to maintain confidentiality regarding customer and proprietary information
Able to work under pressure, meet deadlines and maintain orderly files and demonstrate good judgment
Advanced proficiency with MS Excel with advance skills with VLOOKUP’s, filters & pivot tables
Knowledge and the ability to analyze financial statements
Credit & Financial Analysis experience
Strong written and oral communication, interpersonal, and organizational skills
Extended working hours may be required as directed by management and business needs
Participate in on-going training and compliance programs, both company and department programs to ensure the integrity, safety, and customer service and teamwork initiatives are met as set by management

234

Credit Analyst Resume Examples & Samples

Interacting with CFS senior managers to resolve serious repayment issues. (Experience in Notes Receivable, Letters of Credit, Security Agreements and other workout mechanisms a plus)
Setting up new accounts and files, perform credit investigations, use computerized scoring systems
Strong systems (SAP), and analytical skills
Prior credit experience in a large Corporate Setting, preferred
Demonstrated organizational and follow up skills, with the ability to drive results

235

Credit Analyst Resume Examples & Samples

Bachelor Degree in Accounting/Finance preferred, or close to completion of related field
Minimum 5 years of commercial credit and collections experience, or equivalent combination or work and educational experience
SAP knowledgably and open to learn other ERP systems
Experience with GetPaid in both collections and dispute modules
Proficient in MS Excel and strong computer skills
Motivated to perform own assignment and assist the Credit team where possible
Clearly expresses oneself orally and in writing with internal and external customers
Must exhibit high level of initiative and be proactive
Builds and sustains relationships and actively listens to others
Experience in performing commercial credit appraisals for up to $500K credit limits
Effectively negotiates when necessary
Must have financial analysis skills

236

Credit Analyst Resume Examples & Samples

Other duties assigned by management from time to time
Gather appropriate client information to be able to present and mitigate risks
Deliver a complete, synthetic and coherent up-to-date counterparty and credit risk analysis, based on facts and compliant with the Bank’s guidelines
Complete (multi) Credit Proposals within the required time and with good quality, which must enable the Credit Committee to make an informed decision
Support the Relationship Manager / Front Officer in credit process-related matters within own scope (plan CCs ahead, handling of CRF, CreditPoint)
Portfolio monitoring (follow-up of financial covenants, risks alert, core data checks)
Keep updated with credit methodologies and policies
Presentation of Credit Proposals to local Credit Committees
Meet clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit
Participation in discussions on potential deals
Participation in projects linked to improving credit process efficiency
To contribute to any other portfolio or credit administrative and statistical works as required by management from time to time

237

Credit Analyst Resume Examples & Samples

Quantity -- Contracts Listed and Funded per Hour
Quality -- Contract Review Error Rate
Quality -- Dealer Phone Call Quality (CLEAR)
Quality -- Verification Phone Call Quality
Experience using Excel and Word
Insightful: Make timely well considered decisions, create innovative solutions and continuously learn

238

Credit Analyst Resume Examples & Samples

Assist relationship managers in the preparation of credit memos for Chinese Enterprise customers on commercial lending, trade finance or other business related financial solutions and advisory
Conduct industry or business related analysis and financial modeling
Review loan documentation
Provide support on daily account administration

239

Credit Analyst Resume Examples & Samples

Associate's degree, or equivalent work experience
One to three years of mortgage-related experience
Basic understanding of factors affecting real estate values and credit analysis
Good mathematical skills
Experience with VA loans preferred
FHA Mortgage Credit Examiner certification preferred

240

Credit Analyst Resume Examples & Samples

Has a deep understanding of and a keen interest in Utilities and Natural Resources
Has a professional background in capital markets and/or credit analysis and well developed financial statement analysis skills
Developing and maintaining comprehensive financial models
Conducting meetings with Utilities and Natural Resources industry management teams
Involvement in communicating rating rationale to external audiences (primarily institutional investors, sell-side analysts
10+ years relevant experience, which must include some coverage or knowledge of the Utilities and Natural Resources

241

Credit Analyst Resume Examples & Samples

Has a deep understanding of and a keen interest in Leverage Finance
Has a professional background in capital markets and/or credit analysis and well developed financial statement analysis
Has a strong pattern of leadership and the ability to proactively and successfully interact with various stakeholders, both
Performing analysis of key quantitative and qualitative factors influencing the credit quality of companies in the Leverage
10+ years relevant experience, which must include some coverage or knowledge of the Leverage Finance sectors
Employee management experience a plus

242

Credit Analyst Resume Examples & Samples

Support the management of a segment of an Industry vertical or primarily investment grade general commercial loan portfolio
Perform due diligence and regularly scheduled evaluation of loan portfolio for which they support
Modeling skill required for both credit application process and Quarterly Credit Watch presentations
Responsible for the coordination and communication of account information across various constituencies throughout the organization
Responsible for knowledge of country/risk factors on a macro level
Responsible for knowledge of particular industries and all current events in assigned portfolio utilizing internal and external sources
Attend RM (Relationship Manager) customer meetings when appropriate

243

Credit Analyst Resume Examples & Samples

Support the management of a segment of an Industry vertical by maintaining updated customer tear-sheets, financial spreads, models and also assisting in completing reviews in a timely manner
Perform due diligence and regularly scheduled evaluation of coverage portfolio
A Bachelor degree, a CFA is an asset
Good computer skills in Microsoft Word/Access/Excel
Able to work independently and under pressure

244

Credit Analyst Resume Examples & Samples

Working knowledge of corporate lending and of bank-related documents
Good knowledge of operational practices and policies
Good analytical, organizational and mathematical skills with experience preparing management reports
Ability to collect information from a variety of sources with experience in identifying patterns, connections or trends
Ability to complete work accurately and on time in a high pressure environment with critical deadlines
Ability to work cooperatively with others in a team setting as well as independently
Maintains a flexible attitude and approach towards assignments and others
Excellent communication skills written and verbal in both Japanese and English. Ability to present ideas, concepts and other information with clarity and effectiveness
Proficient knowledge of Excel, Word, PowerPoint and databases
Flexibility to work variable hours due to the workflow

245

Credit Analyst Resume Examples & Samples

Conduct credit assessment on new & existing corporate names in various industries and recommend limits for approval to support OCBC Bank Group’s trading/treasury operations
Perform credit reviews timely and promptly
Be well versed with the Bank’s credit policies and procedures
Ensure new transactions and credit renewals meet OCBC’s risk acceptance criteria, credit policies /procedures and regulatory requirements
Develop a good understanding of the industries in the portfolio
Respond quickly and professionally to requests from the trading floor for credit authorizations
Monthly review of the corporates’ risk ratings

246

Credit Analyst Resume Examples & Samples

Review and release orders and work with customers and team members to resolve open issues
Set customer credit limits and supports other team members in this area
Manage a portfolio of accounts – 50+ calls a day
Substantial experience reconciling accounts
Administer the dispute/deduction management process
Assist with the management of bad debt, bankruptcy and legal accounts

247

Credit Analyst Resume Examples & Samples

Responsible for all collections activities on 1 or more portfolios of customers. Activities include establishing and maintaining contact with customers (may include travel) concerning open invoices, looking at payment trends and history, timely escalation and/or resolution of disputes and timely escalation of collection issues to the business
Responsible for the accurate cash receipts forecast on the assigned portfolio(s) on a monthly basis
Responsible for ensuring collection and forecast metrics are achieved on the assigned portfolio(s)
Analysis of financial information and/or any other relevant information of assigned customers in order to assess credit risk and make necessary recommendations to the business
Build relationships with relevant business partners to ensure a smooth cooperation between the Credit department and the business(es) that own the assigned portfolios
Adds value to the business by consistently improving processes and maximizing cash flow for the assigned portfolios
Actively participate in Cash Calls
Perform thorough risk assessment for all customers in portfolio and are highly visible across leadership and the organization
Up to date customer reconciliation of accounts
Maintain credit data in SAP
Excellent credit skills required in areas such as insurance, letters of credit, financing, and legal
Proficient in SAP A/R systems

248

Credit Analyst Resume Examples & Samples

Integral part of loan origination process
Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition. Supports the lending function by providing analytical support
Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk
1-3 years related experience required
Demonstrated knowledge of credit and financial analysis techniques
Strong understanding of loan risk factors
Demonstrated ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships
Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly

249

Credit Analyst Resume Examples & Samples

Review incoming application packages for compliance with internal and external policies
Analyze bank statements and/or financial statements to assess merchant credit risk
Prepare and present credit packages for new applications and periodic reviews for approval
Work closely with the Sales and Account Management teams to collect additional merchant information and explain decision rationales if needed
Assist with bank partner related work and geographic market expansion
Update internal documentation on process updates, industry trends, and credit policies
Stay current on merchant industry trends specific to the businesses we support
Serve as the first line of defense against merchant fraud

250

Credit Analyst Resume Examples & Samples

Sales forecast reporting
Supporting the corporate credit manager
Communicate effectively and timely with senior management level both internally and externally to drive credit issues
Provide customer service and develop relationships with internal/external customers and suppliers
Participate in department projects and take an active role in cross-functional teams to assist in driving quality improvements, processes, and initiatives
Support collections
Support A/R Reconciliations
Close G/L schedules
Bachelor's degree in Finance, Accounting, Economics, or Business
0-3 years of experience with accounting principles in the interpretation of customer financial statements
Excel skills ((V Lookups and pivot tables)
MS Word and PowerPoint
Ability to support after hour calls
Masters of Business Administration (MBA) (Accounting/Finance emphasis preferred)
Experience with corporate Credit and Collection process
Experience in Oracle (AR Module)
Communication skills (verbal and written)
Ability to work in a fast-paced environment and manage multiple requests

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Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

Credit Analyst Resume Examples & Samples

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