Credit Risk Analyst Resume Samples

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R Lehner

Raina

Lehner

53777 Samanta Ramp

New York

+1 (555) 845 6605

53777 Samanta Ramp

New York

Phone

p +1 (555) 845 6605

Experience Experience

Houston, TX

Credit Risk Analyst

Houston, TX

Bednar, Lubowitz and Rutherford

Houston, TX

Credit Risk Analyst

Providing general assistance to Credit Risk Officers Providing general assistance to Credit Risk OfficersProviding general assistance to Credit Risk Officers
Develop, implement, manage, and analyze reports to keep business partners and management apprised of key risk and performance information
Develop and maintain working knowledge of Credit Risk databases to provide data and analytical support to Senior Management
Support the development of risk appetite across account management , Develop and implement customer management & collections strategies and policy
Identifying early remedial action on deteriorating credits, working jointly with remedial management to manage problem credits and/ or workout situations
Performs ad-hoc standard lombard portfolio risk assessments and daily workload management
Provide oversight to the line of business and its risk controls ensuring consistency and compliance with risk management framework and policies

Los Angeles, CA

Counterparty Credit Risk Analyst

Los Angeles, CA

Eichmann, Kovacek and Morar

Los Angeles, CA

Counterparty Credit Risk Analyst

Running of established controls, becoming subject matter experts on the credit risk metrics and the underlying data that is used to calculate them
Actively support internal risk management process through CCR exposure calculation on structured derivative products across all the market/asset classes
Stakeholder management and leadership
Continued enhancement of the control framework around the IMM and non-IMM models use to calculate exposure for Risk Management and RWA calculation purposes
Develop new and improve the existing methodologies across all exposure and collateral models within counterparty credit risk
Work closely with the Monte Carlo model quant specialist on risk and FO side to ensure timely resolution of modelling gaps regarding counterparty exposure simulation and assess the impact of model changes
Monitor on-going model performance for new IMM models, especially FOI models for rates and credit products, Investigate model related performance issues

present

Boston, MA

Senior Credit Risk Analyst

Boston, MA

Barton, Stiedemann and Bartoletti

present

Boston, MA

Senior Credit Risk Analyst

present

Develop and monitor MIS to track the performance of risk scorecards and strategies including underwriting criteria and fraud prevention
Implement business strategies as defined by the client or Accenture to manage credit risk and to manage and assist in the increase of client revenue
Visit customers to create loyalty, build relationships, assist in sales growth, and monitor risk
Provide inputs for Estimation, Analysis, Design and Development
Monitoring of decision strategies, scorecard performance and portfolio MI to provide insights, and influence business outcomes
Provide regular performance updates to stakeholders
Establishing analytical framework

Education Education

Bachelor’s Degree in Finance

Virginia Commonwealth University

Bachelor’s Degree in Finance

Skills Skills

Proactive approach to problem solving, analytical mind and excellent attention to detail, coupled with the ability to work reliably when under pressure
Able to interview a subject-matter-expert and/or take complicated concepts and distill that info into understandable and relatable words, phrases, and graphics
Good analytic skills - ability to utilize, understand, and interpret financial analyses; and perform basic spreadsheet analyses
Strong derivative product knowledge across all asset classes and knowledge of financial markets, traded products, and risk concepts
A self-starter with the ability to adapt quickly to system/process changes whilst maintaining focus on key service level deliverables
Strong detail orientation, with focus on data quality
Support sustainable and profitable portfolio growth through advanced analytics to achieve Business aspirations
Exceptional attention to detail. Ability to multi-task and meet deadlines
Good interpersonal and written communication skills, with the ability and confidence to operate at senior levels within the client and Accenture organisations
Good customer service skills – able to work with customer/client to resolve disputes resulting from billing and/or contract issues

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15 Credit Risk Analyst resume templates

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Credit Risk Analyst Resume Examples & Samples

Coordinates efforts between Risk Management and the Business Units on the resolutions of exception/exposure items and prepare responses on senior management inquiries
Performs detail financial analysis and prepare credit assessments of domestic and foreign institutional and streetside trading counterparties
Maintains the Credit files and ensures all supporting credit documentation, legal and trading agreement, risk ratings and trading limits are captured appropriately in all credit systems
Analyzes business processes, procedures, and information requirements to resolve problems and improve the efficiency of the Group
Basic principles of accounting
Data analysis
Conduct research to assess probability and severity of risk
Conduct statistical analysis to evaluate risk
Develop strong working relationships with business partners
Bachelor's Degree and a minimum of one (1) year relevant business experience in financial services

Credit Risk Analyst Resume Examples & Samples

Perform analytics on key issues in the collections and default space to ensure that insights and solutions are delivered successfully
Produce and review risk dashboards for senior executives on regular basis. Review standard metrics, key trends, topical issues and deep dive analysis
Perform ad-hoc analysis that may be requested periodically
Partner with analytic teams in US to ensure that analytics and reporting are clearly scoped out delivered
Present results of analysis and trend monitoring to senior executives and risk management colleagues in Chase
2 - 4 years experience in credit risk analytics in mortgages, credit cards or consumer finance. Experience in collections analytics is preferred
Ability to work with large data sets is preferred
Knowledge and hands-on experience with decision tree tools like CHAID is required
Ability to communicate fluently in English
Ability to articulate analyses and findings in a crisp and concise manner both verbally and through written presentations/communications
Prior experience in working with US consumer risk portfolios and stateside teams is desirable
Ability to prioritize work-streams effectively
Strong quantitative skills required including academic background in mathematics, statistics, business management, economics, engineering or other similar discipline
Fluent in working with SAS, SQL or other programming languages

Credit Risk Analyst Resume Examples & Samples

Conducts moderate to complex analysis. Assists in developing, maintaining, and improving program analysis of transaction trends, fraud strategy effectiveness
Analyze the loss due to fraud and overdraft and work with partners in loss forecasting
Work with partners in developing Operational Key Risk Indicators and associated benchmark
Develop and maintain Standardized reporting - increasing efficiency and self-service capabilities
Strong SAS programming, SQL programming skills
2-4 years of experience in Consumer Lending Business Analysis, Risk or related Financial Analysis
Ability to understand business needs, diagnose performance issues, and develop recommendations through combination of data analysis and business critical thinking
Excellent verbal and written communication skills - ability to liaison with cross functional groups, present results to senior leaders, create effective presentations
Thought clarity

CIB Credit Risk-analyst Resume Examples & Samples

Portfolio management exercises
Ongoing review and monitoring client’s credit, existing exposure and industry/geographic concentrations through periodic / ad-hoc credit reviews
Maintain the accuracy of risk grading (=internally assigned Credit Rating) and update it in a timely manner to reflect the industry/geographical trend as well as risk factors of particular client
Transaction related activities
Credit work related to new transactions, including structuring, credit analytics, industry assessments, writing and/or contributing to the credit memo, due diligence and credit approval
Working with business in preparing transaction proposal, so that the risk mitigation measures tobe incorporated in the proposal
Ongoing credit monitoring including exposure control, covenants tracking, collateral etc
Comprehensive Risk Management
Client due diligence from a perspective of reputational risk
Fulfill the global and local regulatory requirements including implementing the robust risk governance framework and reporting to the regulators
� 2-3 years of work experience
� Business level communication skills in Japanese and in English is required
� Basic knowledge in financial accounting is required
� Experience in credit/banking is preferable

Credit Risk Analyst Resume Examples & Samples

Clear understanding of the potential financial impact of any strategy
Ability to think logically (experience a plus) on ways to integrate the approve/decline decision, pricing, product to deliver an improved decision outcome
Strong analytical, technical and statistical skills. Ability to synthesize / analyze diverse information, develop recommendations, and makes decisions
Strong communication and interpersonal skills, ability to interact with individuals across departments / functions and with senior-level individuals
3 years of related analytical experience
2 years of SAS programming experience (PC, UNIX or mainframe)
Good understanding of a loan book PNL preferred
Prior experience with test and control strategy design and read preferred
Prior experience of managing exposure strategies, credit limit strategies for cards portfolio will be a plus

Pb-credit Risk Analyst Resume Examples & Samples

AssistCLT Lenders in underwriting all facilities secured by our client's investment portfolios, including new requests and annual reviews
Analyze collateral pool and grade appropriately per internal credit policy, including ability to compare each transaction to credit policy in order to flag any credit exceptions or non-standard terms for review
Prepare underwriting proposals for credit approval by Lenders and Credit Executives
Prepare client credit documentation including facility agreements, authority forms, registration documents etc
AssistLender in pipeline management and other sales management and administration activities
Assist Lender/ Credit Risk Management in monitoring of ongoing risk such as collateral shortfalls, document exceptions, past due reviews etc
Assist in special projects such as portfolio reviews, credit and exposure reports
Thorough understanding of derivatives & traditional credit products is a must
Experience in structuring and underwriting credit transactions is preferred
High level of analytical skills, able to use both qualitative and quantitative tools to analyze complex financial situations
High level of attention to detail in order to ensure all work adheres to credit policy
Teamwork ethic and focus; ability to work under pressure and meet deadlines
Interest in structuring complex credit transactions with sound business judgment and risk sensitivity
Degree in finance or related field

Senior / Junior Credit Risk Analyst Resume Examples & Samples

3+ years of experience working with consumer data, providing reporting, and analytic support to the following lines of business for their clients: mortgages, home equity, credit cards, auto/personal loans, etc. using SQL, SAS, STATA, R, MATLAB, PYTHON is a MUST!!!
3+ years of hands on experience building statistical predictive models utilizing SAS, STATA, R, MATLAB, PYTHON is a preferred
Experience with regulatory reporting and submissions such as Basel, ALLL, CCAR, DFAST, etc. are a huge PLUS
Strong communication and presentation skills are absolutely necessary
Must relocate to the Dallas, TX area and be willing to travel 60/70% for on-site client engagement
Full time role w/ benefits, individual contributor role, will help with relocation to Dallas, TX, and will transfer existing H1 Visas
Experience with reporting, predictive modeling, forecasting, portfolio management, regulatory submissions utilizing: SQL, SAS, STATA, R, MATLAB, PYTHON is a MUST!!! Recruiter: Sunil Sud

Senior Credit Risk Analyst Collections Resume Examples & Samples

Analyze collections strategies, and identify new and improved strategies
Apply statistical techniques using SAS to optimize, create, and maintain operational performance
Help design and monitor portfolio reports to measure the effectiveness of these strategies, and communicate results to senior management and internal business partners
Define and deploy improved collections processes and tools to enhance risk performance
Lead efforts to automate processes such as debt sales, collections reporting, and internal/external recoveries
Define performance metrics that measure operational effectiveness
Bachelor’s degree in an analytical field (Mathematics, Economics, Statistics, Computer Sciences, Operations Research, etc.) required graduate degree in an analytic field preferred
2+ years’ business experience with emphasis on risk management, modeling, or operations strategy
Experience with decision engines and risk technology, credit bureaus, and other data providers
Experience with SQL/SAS
Development of decision trees
Strong analytical, statistical, and problem-solving skills

Credit Risk Analyst Resume Examples & Samples

Critical reading, writing, reasoning and communicating to assess the creditworthiness of companies in various industries
Presenting their views to CRM senior professionals for approval
Perform financial and credit analyses to establish credit-specific ratings
Assist senior team members with the underwriting of new loan requests
Review, diligence and recommend actions on new trade requests to minimize risk
Monitor public ratings of counterparties, and keep current on industry trends and rating agency criteria.*LI-TV1
Preference for strong accounting/finance education and skills as well as basic knowledge of loan and capital markets products
Superior written and verbal communication skills; quantitative orientation and critical thinking
Knowledge of industrials, consumer and/or real estate space is preferred, but not required

Credit Risk Analyst Resume Examples & Samples

Contributing to an industry team
Students will substantiate borrower risk ratings through both quantitative and qualitative research and analysis
Students will support transactions as they proceed through the approval process
Students will work with managers and senior managers to provide other analytical/project support as required
Has strong verbal & written communication skills
Has knowledge and an understanding of financial statement analysis
Is highly experienced with Excel, including using Excel as a tool for financial analysis and has a good understanding of financial modeling; and
Has demonstrated research abilities
Be in the process of completing their MBA, or in 3rd or 4th year of an undergraduate program if the candidate has relevant experience
Have previous experience working with a Financial Institution, preferably in lending or credit
Have taken steps towards attaining a CFA designation
Have some knowledge of and interest in pursuing a career in Risk Management
Have passed the Canadian Securities Course; and
Have previous experience using online research tools such as Bloomberg, KMV, or using S&P/Moody’s/Fitch ratings

Credit Risk Analyst / Monitorer Resume Examples & Samples

Performs ad-hoc standard lombard portfolio risk assessments and daily workload management
Assignment of specific tasks for entire BC Switzerland (Zurich + Geneva)
Assumes responsibility for proper implementation and monitoring of lombard lending shortfalls incl. adjustment of processes, policies, procedures and models
Capacity to adjust some reportings with Excel (Macros, Pivot tables), management and establishment of specific checks/controls at different levels
Ensuring that tasks of other monitorers are performed on a daily basis and in an appropriate manner
Coordinates activities with all relevant stakeholders in risk, reporting and origination
Equivalent to a university degree in finance, business, accounting or related fields
Profound knowledge of at least one credit risk management area (e.g. portfolio management, credit analysis/decision, credit origination, credit methodology) specifically in the area of portfolio lending
Minimum of 3 - 5 years in a financial services organization, preferably with a risk management background
Ability to proactively take ownership and initiative also in areas new to him/her and to work independently
Ability to work under pressure with attention to detail and accuracy
IT-specific knowledge for statistical software (Excel), experience in handling large data sets
Fluent German and English language skills (French would be an advantage)

Credit Risk Analyst Resume Examples & Samples

Source and collate required information for each counterparty on a monthly basis. Information will cover risk profile, size, and performance of our hedge fund clients. Information will be delivered in a variety of ways either via CRC or directly by clients
Ensure that all data is received and following up where there are gaps
Review and assess information to extract key data points (Assets under management, Performance, Risk/Portfolio Overview)
Perform management reporting on a monthly basis
Perform database administration as required

Credit Risk Analyst Resume Examples & Samples

Evaluate counterparty credit risk based on analysis of both quantitative and qualitative factors based on Funds/Portfolios trading strategies
Participate in negotiation of trading documentation including collateral
Monitor counterparty credit quality on an ongoing basis
Ensuring adherence to the internal credit-related policies or assess exceptions for approval/rejection
Annual review of approved counterparties
Assessing counterparty credit risks related to New Business Initiatives & Complex Transactions
On-going monitoring and reporting of counterparty credit risk exposures, limits & exceptions
Working closely with portfolio managers to remediate/mitigate elevated counterparty risk and/or exceptions
Monthly, Quarterly and ad-hoc reporting/presentation of credit counterparty risk exposures and issues to boards, management and risk committees
Maintain & support the improvement of Credit Risk Management tools and reports used for counterparty risk monitoring (including working with IT on system enhancements, developments and testing)
Close collaboration with Group Risk Control, GAM Legal, Derivatives Administration Group, and business areas COOs and PMs

Am-credit Risk Analyst Resume Examples & Samples

The ideal candidate must possess a strong risk and control mindset, be very detailed oriented, have excellent analytical and written/verbal communication skills as well as be able to work under pressure and able to deliver on multiple tight, time sensitive timelines. Specific responsibilities will include
Performing on-going monitoring and periodic reviews of the creditworthiness of approved counterparties
Updating and distributing daily Counterparty reports
Contributing to team-wide efforts such as risk assessment methodology enhancements, portfolio-wide reviews and preparing management presentations
Undergraduate degree with 1+ years of relevant work experience - strong academic performance with coursework in economics, statistics, and finance; knowledge of exchange-traded products and derivatives preferred
Demonstrated fundamental credit analysis skills

Assistant VP Counterparty Credit Risk Analyst Resume Examples & Samples

Minimum 3-5 years proven and progressive commercial, investment banking and credit experience or equivalent
BA degree in business, finance, related field or equivalent
Proven financial, communications, systems, interpersonal, analytical, and reasoning skills
Highly proficient at MS Excel - ability to create, modify and trouble-shoot macros and pivot tables
Knowledge of traded credit management for products such as derivatives swaps, forwards, options, repos, securities financing, etc

Credit Risk Analyst Resume Examples & Samples

Conducting and documenting credit analysis and annual reviews of counterparties and credit facilities
Monitoring collateral performance and loan covenants, and reporting on risk concentrations, portfolio quality and compliance with internal risk limits
Communicating the results of analysis performed in written reports
Supporting ongoing CRM projects, related to the Bank's credit risk appetite framework, legal-entity risk initiatives, portfolio risk monitoring, exposure calculation methodology and wrong-way risk analysis, and regulatory compliance
Supporting the development of rating models for Commercial Real Estate and Asset Finance
Addressing ad-hoc requests, and following-up on risk excesses and other credit requests
3-5 years of experience with Structured Products, Real Estate and/or Risk Management
Strong computer skills: Word, Excel, Powerpoint
ABS/ RMBS/CMBS market knowledge
Technical/Business Skills and Knowledge
Other required skills
Self-motivated / self starting
Strong communication skills — oral and written
Strong inter-personal skills, especially influencing and personal impact

Credit Risk Analyst Resume Examples & Samples

2+ years of related analytical experience
Ability to achieve tight timelines on complex deliverables
Strong communication and interpersonal skills, ability to interact with individuals across departments / functions
Ability to work independently - self motivated and initiative driven
Basic to intermediate level of SAS programming experience (PC, UNIX or mainframe)

Credit Risk Analyst Resume Examples & Samples

Reporting lombard lending shortfalls incl. adjustment of processes, policies, procedures and models
Ensuring that credit conditions set at time of approval are fullfilled
Capacity to adjust some reportings with Excel, perform some IT analysis and reporting with existing tools + management and establishment of specific checks/controls at different levels
Equivalent to a university degree in finance, business, accounting or related field or in mathematics,
Knowledge of at least one credit risk management area (e.g. portfolio management, credit analysis/decision, credit origination, credit methodology) specifically in the area of portfolio lending
Minimum of 3 years in a financial services organization, preferably with a credit risk management or IT management background
Strong analytical, quantitative and problem solving skills
Ability to show initiative also in areas new to him/her and to work independently
Excellent interpersonal, organizational and communication skills
IT-specific knowledge for statistical software (Excel), Bloomberg and other common tools with ability to handle large data sets,
Fluent German and English language skills (other language would be an advantage)

Credit Risk Analyst Resume Examples & Samples

Bachelor's degree with a Finance or Accounting concentration
Ability to work in a team oriented environment
Dedication to building a career in financial services
Extensive background and/or coursework in Finance& Accounting
Working knowledge of Capital Markets
Energy or commodities experience

Credit Risk Analyst Resume Examples & Samples

Handles large complex customer data to create reports to monitor loss trends for Consumer and Business Banking portfolio
Monitoring of portfolio quality through standard risk metrics/key risk indicators
Conducts moderate to complex analysis on consumer and business banking loss trends including root cause analysis, loss concentration analysis and link analysis
Use data to tell a story around loss trends and root cause
Develop and maintain standardized reporting on loss components such as compromise card events and status, losses by merchant groupings, etc

Credit Risk Analyst Resume Examples & Samples

Sourcing and collating required information regarding risk profile, size and performance for each counterparty
Ensuring that all data is received and following up when necessary
Reviewing and assessing information to extract key data points (Assets under management, Performance, Risk/Portfolio Overview)
Performing management reporting on a monthly basis
Performing database administration as required

Credit Risk Analyst Resume Examples & Samples

Candidate should have 5+ years of experience in consumer mortgages, preferably in mortgage underwriting; familiarity with FHA, VA, FNMA, GNMA, FHLMC guidelines required
Extensive knowledge of mortgage credit requirements and mortgage documentation required
Strong analytical and problem solving skills; ability to interact/present to all levels of the organization; confident in ability and able to credibly defend rationale for decisions, if challenged
Excellent leadership skills, including managing and motivating a team

Credit Risk Analyst Resume Examples & Samples

Responsible for management of the credit account life cycle
Oversee and maintain responsibility for credit line decisions
Oversee and maintain responsibility for over limit authorization decisions
Champion/challenger strategy implementation: establishes, maintains and updates automated risk segmentation tool
Advanced level of SAS programming experience
Deep knowledge of and experience with the credit life cycle
In-depth knowledge of adaptive control systems
5+ years experience in the financial service industry

Credit Risk Analyst Resume Examples & Samples

5+ years relevant working experience
Computer proficiency required in Excel, Word; experience with Bloomberg, KMV is helpful; will learn numerous applications specific to the department
Strong knowledge of financial accounting concepts is a prerequisite
Some level of formal credit training is preferred
Strong presentation skills preferred
Strong knowledge of corporate finance and derivatives is preferred
LI-SM1

Credit Risk Analyst Resume Examples & Samples

Calculate Counterparty Exposure on derivative products across all markets/asset classes
Develop/create models/spreadsheets for exposure calculation
Discuss complex and structured transactions with business (structurers/traders) and risk managers
Advise on credit risk mitigation and explain counterparty risks to sales, trading and credit risk management
Participate in further development of Counterparty Analytics tools and infrastructure
Work on ancillary / adhoc projects to further global systematic calculation of derivatives' counterparty risk and risk management process
Extensive yearsof experience in a quantitative role in financial/consulting services with good understanding of derivatives' risk/modelling/pricing
Knowledge of market and credit risk management techniques/frameworks are desirable
Knowledge of unix and programming languages (e.g. C++, Matlab, Perl etc.) is preferred

Credit Risk Analyst Resume Examples & Samples

Performing fundamental counterparty credit risk analysis and assigning internal credit ratings on financial institution counterparties located in North America
Preparing and presenting analysis in written format
Monitoring market, regulatory, macro economic and political developments and assessing their impact on the credit quality of counterparties
Providing general assistance to Credit Risk Officers
Performing fundamental counterparty credit risk analysis and assigning internal credit ratings on financial institution counterparties located in North America Performing fundamental counterparty credit risk analysis and assigning internal credit ratings on financial institution counterparties located in North AmericaPerforming fundamental counterparty credit risk analysis and assigning internal credit ratings on financial institution counterparties located in North America
Preparing and presenting analysis in written format Preparing and presenting analysis in written formatPreparing and presenting analysis in written format
Monitoring market, regulatory, macro economic and political developments and assessing their impact on the credit quality of counterparties Monitoring market, regulatory, macro economic and political developments and assessing their impact on the credit quality of counterpartiesMonitoring market, regulatory, macro economic and political developments and assessing their impact on the credit quality of counterparties
Providing general assistance to Credit Risk Officers Providing general assistance to Credit Risk OfficersProviding general assistance to Credit Risk Officers
Performing on-going monitoring of complex deals so that any early signs of distress or deviation from the expected performance are promptly identified
Liaising with Credit Risk Control and Risk Analytics and Reporting departments to ensure that the exposures are adequately reflected in the risk systems
Performing general problem solving for any issues arising in relation to counterparties in the portfolio
Liaising with Legal department to ensure identified risks are adequately addressed in the legal documentation for structured transactions and setting credit terms in the legal documentation (e.g. ISDA and CSA) for flow trading activity Liaising with Legal department to ensure identified risks are adequately addressed in the legal documentation for structured transactions and setting credit terms in the legal documentation (e.g. ISDA and CSA) for flow trading activityLiaising with Legal department to ensure identified risks are adequately addressed in the legal documentation for structured transactions and setting credit terms in the legal documentation (e.g. ISDA and CSA) for flow trading activity
Assessing proposed transactions within the context of the transaction structure to ensure structural risks are properly identified and adequately mitigated Assessing proposed transactions within the context of the transaction structure to ensure structural risks are properly identified and adequately mitigatedAssessing proposed transactions within the context of the transaction structure to ensure structural risks are properly identified and adequately mitigated
Performing on-going monitoring of complex deals so that any early signs of distress or deviation from the expected performance are promptly identified Performing on-going monitoring of complex deals so that any early signs of distress or deviation from the expected performance are promptly identifiedPerforming on-going monitoring of complex deals so that any early signs of distress or deviation from the expected performance are promptly identified
Liaising with Credit Risk Control and Risk Analytics and Reporting departments to ensure that the exposures are adequately reflected in the risk systems Liaising with Credit Risk Control and Risk Analytics and Reporting departments to ensure that the exposures are adequately reflected in the risk systemsLiaising with Credit Risk Control and Risk Analytics and Reporting departments to ensure that the exposures are adequately reflected in the risk systems
Performing general problem solving for any issues arising in relation to counterparties in the portfolio Performing general problem solving for any issues arising in relation to counterparties in the portfolioPerforming general problem solving for any issues arising in relation to counterparties in the portfolioRequirements
Demonstrated proficiency writing reports in English
Excellent time management skills and able to multi-task
Knowledge of the operations of, and the risks associated with lending to, various types of financial institutions (banks, insurance companies, investment advisors, broker dealers, hedge funds, etc.)
Motivated and able to work independently
Solid communication skills — oral and written
Outstanding inter-personal skills, especially influencing and personal impact

GWM Credit Risk Analyst Resume Examples & Samples

Prepare annual credit reviews for an assigned portfolio of GWM credit clients. This will require the proper use and application of the Financial Spreading Tool (FST) to analyze borrower disclosures to determine probability of default/ obligor grades and understand the various types of collateral and associated risks to determine facility grades
Facilitate new transactions on the assigned portfolio of clients
Perform collateral analysis and recommend Loss Given Default (LGDs) using the appropriate systems
Monitor exception reports and partner with stakeholders to ensure credit portfolio remains current on key risk metrics (unlinked, ungraded, overlimits, overdrafts, past dues, etc.)
Quick learner: proven ability to quickly learn the business & adapt to changing business priorities
Attention to detail required to coordinate with many groups, adhere to multiple jurisdictional issues, and follow through on loan closings and funding
In addition, this position may require / requires National Mortgage Licensing System and Registry (NMLS) registration under the terms of the Safe Act of 2008. As such, upon active employment with JP Morgan Chase, you will be required to either register via the NMLS registry or re-register and move your previous registration to JP Morgan Chase's registration rolls. Your continued employment in this position with JP Morgan Chase is contingent upon successful registration after your start date and annual re-registration thereafter. In addition, information obtained during the registration process may impact your employment with the firm

Senior Credit Risk Analyst Resume Examples & Samples

3+ years related work experience with
Advanced SQL
Strong SAS or equivalent programming experience
Effective and conversant in business and technical environment
Good understanding of consumer behaviour and credit risk
Collaborative and supportive attitude

Senior Wholesale Credit Risk Analyst Resume Examples & Samples

Strong analytical, interpersonal, presentation, problem-solving, lateral thinking, planning, organization, interpersonal and written and verbal communication skills
Ability to discuss process and technical issues with business units and others
Ability to professionally and effectively present information and respond to questions from all levels of management

Credit Risk Analyst to the Capital Team Resume Examples & Samples

Bachelors degree or equivalent in a quantitative discipline such as finance, economics, mathematics
Strong interpersonal skills and a commitment to teamwork
VBA and strong Excel skills
Knowledge on databases – SQL, Access etc
Financial markets and product knowledge
Understanding of credit risk and familiarity with Basel capital rules

Credit Risk Analyst Resume Examples & Samples

Performing fundamental counterparty credit risk analysis and assigning internal credit ratings on financial institution, hedge fund and structured products counterparties located in the US and/or EMEA regions
Maintaining and reporting on hedge fund performance data
Providing general assistance to other members of the Credit Risk Manager's Raleigh team
Liaising with Legal department to ensure identified risks are adequately addressed in the legal documentation for structured transactions and setting credit terms in the legal documentation (e.g. International Swaps and Derivatives and Comprehensive System Accounting) for flow trading activity
Familiarity with corporate credit transactions
Excellent communication skills — oral and written
Solid inter-personal skills, especially influencing and personal impact

Senior Credit Risk Analyst Resume Examples & Samples

Bachelor’s degree in Mathematics, Statistics, Business, Finance, Economics or equivalent required
Master’s degree in Business, Finance, Economics or related field preferred
Two to five years’ prior credit risk experience with a good working knowledge of lending, collections and Basel II
Must have analytical, computer, and statistical skills as well as ability to approach problems in a quantitative manner. Computer programming skills must include 3-5 years use of statistical programs like SAS or Knowledge Studio or advanced use of data base programs
Solid written and oral communication skills required
Experience with roll-rate and vintage-based forecasting
Knowledge of Basel II initiative
A demonstrated ability to work independently and under minimal supervision

Credit Risk Analyst, Citimortgage Resume Examples & Samples

Development and maintenance of standardized regulatory reporting
Development of new reporting and analytics based on requirements from the business
Ad hoc reporting, analytics, and presentation requests as required
Requires technical skills related to data manipulation and interpretation
Requires analytical ability

Credit Risk Analyst Resume Examples & Samples

Performing fundamental counterparty credit risk analysis and assigning internal credit ratings on hedge funds, and possibly structured products counterparties (to include Collateralized Debt Obligation (CDOs), Collateralized Loan Obligation (CLOs) and asset backed commercial paper programs)
Participating in or leading client due diligence visits/calls
Liaising with Legal department to ensure identified risks are adequately addressed in the legal documentation for structured transactions and setting credit terms in the legal documentation (e.g. International Swaps & Derivatives Association and CSA) for flow trading activity

Credit Risk Analyst Resume Examples & Samples

Support credit officers in making holistic risk assessment in relation to securitized lending and derivatives trading
Leading with the implementation of credit decisions and assist credit officers with ongoing risk management, including but not limited to – collateral and exposure monitoring, compliance with credit conditions, accurate bookings/entries in the systems etc
Responsible for daily collateral and exposure management i.e., identifying collateral shortfalls and lead the margin call process by supporting client advisors and credit officers, which typically involves calculating the position, notifications and ensuring that the margin calls are remedied in a timely and satisfactory manner
Contribute towards development of appropriate data and risk monitoring tools. Ensure robustness and accuracy of position calculations and risk monitoring
Review client portfolios and process, and proactively identify areas for improvements and efficiency gains. Contribute in driving efficiency and productivity gains across existing and new processes
Make an effective personal contribution to the sharing of knowledge, ideas and information relating to Risk management across the business
Develop and grow personal skills and competencies to broaden remit and increase personal impact
University Degree (or equivalent) in finance, business, accounting, mathematics, engineering or related fields
Minimum of 3 years in a financial services organization. Knowledge and/or experience with risk management preferred
IT-specific knowledge, in particular Excel and handling/manipulating large data sets. Any programming skills such as VBA will be advantageous

Credit Risk Analyst Resume Examples & Samples

May work on several projects and processes
Master degree in a quantitative discipline; Math, Finance, Statistics, Economics or equivalent work/training is
4+ years of related analytical experience
Strong analytical, technical and statistical skills. Ability to synthesize / analyze diverse information, develops
Strong communication and interpersonal skills, ability to interact with individuals across departments / functions and
Strong SAS programming : ( Base and Macros), Unix, and SQL programming skills
Strong MS Excel and MS PowerPoint skills
Minimum qualification : Post Graduates and above
4+ years of US risk management experience
Prior experience of working in US card industry
Prior experience in strategy / policy role

Credit Risk Analyst Resume Examples & Samples

Bachelor’s in science or business; MBA or MS preferred
Certified financial analyst or financial risk manager certification preferred
2-4 years of experience in pricing and risk modeling of whole loan mortgage portfolios
Computer literacy and working experience in high-level programming languages such as VBA, Python, or SQL
Understanding of fixed-income markets, products, and risk

Senior Credit Risk Analyst Resume Examples & Samples

The major responsibilities of a Senior Credit Analyst ("Senior CA") are to objectively diagnose and evaluate the Counterparty and Credit Risks of an assigned portfolio as well as monitoring the Bank's exposure
They prepare the Annual Reviews and New Requests (including prospects) for Pilots and Contributors files that belong to his/her assigned portfolio and when necessary for complex credit proposals. This is achieved by writing up exhaustive but synthetic Credit Proposals based on a selective commercial and risk approach. It includes
The annual re-treatment of the Counterparty's financial statements (individual & consolidated) into CRF
The analysis of the facilities/global exposure on a Counterparty/Group, including documentation analysis (structuring, covenants, general undertakings, events of default etc) in order to highlight transactional risks and assess the appropriate level of risk/return per facility/group
The analysis of the Business (country of business / environment /sector / leading position / peer analysis / management & strategy) and the Financial Risk Profiles (liquidity/solvency/re-payment capacity/funding sources) of the clients
The determination of a Counterparty (Internal) Rating and Global Recovery Rate ("GRR"), following the rules defined by GRM/CMS and using Group Tools and benchmarks
The commercial relationship development: Strategy / business opportunities / profitability of deals and/or relationship using the appropriate group risk return & rating tools to make sure it is in line with the Bank's strategy
On a regular basis, they develop and monitor early warning signals including covenant monitoring and also any changes that can impact on credit quality, market, strategy and financing opportunities
Strong previous experience as a credit analyst essential
Knowledge of the issues around subordination, both legal and structural
Excellent communication skills in English (verbal and written), additional language skills advantageous

Credit Risk Analyst Resume Examples & Samples

Performing counterparty credit analysis including, but not limited to, credit due diligence meetings, cash-flow and liquidity analysis, sensitivity analysis, collateral and enterprise valuation analysis
Set credit risk related terms in both loan and trading documentation (including ISDA/CSA, PBA, LDA etc); liaise with Legal as appropriate
Evidencing a comprehensive assessment, commensurate with the size and complexity of the transaction, of the true risk profile of the borrower and the purpose and structure of the transaction
Reviewing risk appetite for individual corporate counterparties and exercise credit judgment either within delegated credit authority or through recommendation to senior management
Reviewing and approving / declining limit requests and transactions from other regional credit departments
Coordinating the approval process from beginning to end for underwritten transactions, loan participations, and 'flow' transaction
Take the lead on / contribute to implementation of the change agenda pertaining to new credit extensions
Essential: Relevant university degree preferably in finance, risk management, or economics
Desirable: Finance related second degree; professional qualifications, e.g. CFA

AM Risk-gwm Credit Risk Analyst Resume Examples & Samples

Minimum of two years working experience in the Broker/Dealer or Banking industry focused on institutional or high net worth client base
Solid Knowledge of Margin Lending regulations and practices
Strong detail and results orientation
Strong working knowledge of Broker/Dealer industry

Credit Risk Analyst Resume Examples & Samples

Bachelor’s degree in business, accounting, computer science, economics, finance or statistics, or equivalent work experience
Five or more years of experience in credit/financial analysis activities
Considerable knowledge of credit risk, financial and statistical analysis
Considerable knowledge of credit administration, policies and procedures, and regulatory compliance
Well-developed customer service/relations skills

Credit Risk Analyst Resume Examples & Samples

Two or more years of experience in credit analysis activities
Thorough knowledge of credit risk, financial and statistical analysis
Thorough knowledge of credit administration, policies and procedures, and regulatory compliance

Credit Risk Analyst Resume Examples & Samples

Support the development of risk appetite across account management , Develop and implement customer management & collections strategies and policy
Continually develop or define risk criteria throughout the credit cycle. Devise, track and manage champion challenger strategies to test strategy effectiveness & ensure strategies are optimal
Support cross-functional projects and initiatives to drive business strategy execution. Liaising with colleagues across the business to arrive at conclusions
Production of high quality analytics and reporting to drive business decisions & portfolio management. Ensure timely input to regular business operational reviews
Review, manage and interpret appropriate MI to measure and monitor, trends in the portfolio as well as effectiveness of key initiatives
Contribute to the development of appropriate data and MI tools to ensure a full understanding of the product's credit cycle and the drivers of its performance
Build & develop subject-matter expertise on specific products and/or processes from Risk perspective

Counterparty Credit Risk Analyst Resume Examples & Samples

Knowledge of the evolving regulatory requirements including CRDIV and Basel III would be a distinct advantage
Good understanding of statistics including mathematical skills
Knowledge of Counterparty Credit Risk basics
Track record of achieving tasks independently
Good VBA and SQL skills
Good knowledge of financial products in general

RMG, Credit Risk Analyst, Analyst Houston Resume Examples & Samples

Direct involvement in assessing new and reviewing existing business transactions and trading counterparts, including the initialization, review and negotiation of credit and other clauses in trading documentation
Involvement in due diligence, including financial risk, commercial risk, industry risk and country risk
Real time, ongoing and self-initiated monitoring of counterparty developments and market changes
Work with the business on transactions, working closely with the deal team
Communication of analysis to approvers and senior management
The candidate will work on transactions and trading counterparties primarily related to Macquarie's Energy Markets Division
High levels of motivation, drive, tenacity, initiative and integrity
Strong numerical, analytical and communication skills
Cross disciplinary thinking and an entrepreneurial spirit
A genuine interest in the financial services and energy sectors
Knowledge of current market activity
Strong academic results and outstanding personal achievement
Leadership in extracurricular activities
Ideally have two years of experience in North American energy trading or lending transactions or other commodity trading activities

Credit Risk Analyst Resume Examples & Samples

At least 6 to 10 years experience (for VP level) and at least 2-3 years (for AVP level) of risk management experience including credit risk analysis, business case evaluation, approval process experience
A good understanding of Asia Pacific's market and business environment
Strong trade finance products background is valued
Financial Analysis skills
Sound Excel, Word and PowerPoint skills

Credit Risk Analyst Resume Examples & Samples

Development/redevelopment of reporting to support the needs of the business
Streamlining reporting process to reduce manual touches
Rationalizing data sources consumed in reporting, migrating to IT supported data marts, and developing strategic solutions (i.e., EDW)
Partnering with Technology where reporting is a candidate for full automation
Integrating BI Tools into report delivery
Complying with End User Computing policy and procedures and maximizing the use of RIM Report Repository
2+ years of progressive reporting, analytics, or finance industry experience
Strong technical skills, including: SAS, SQL, Visual Basic, Access, Excel, Toad, and Tableau
Ability to effectively manage multiple projects simultaneously
Strong verbal/written communication skills, excellent interpersonal skills and ability to work effectively with people in a wide range of positions
Ability to work independently with minimal guidance
Ability to meet established production reporting deadlines

Credit Risk Analyst Singapore Resume Examples & Samples

Support the trade finance business from a credit risk perspective; this includes, but is not limited to analysis of new transactions and structures, exposure monitoring, reviewing contracts/LCs, limit re-allocation etc
Perform credit reviews analysing outlook for counterparties and prepare credit workbooks for submission
Assist senior credit personnel in assessment and approvals of new business
Credit admin support – branch management credit risk reporting
Liaising with other support areas e.g. Finance and Compliance to prepare risk returns and submissions
Attend to credit related queries from the business and support the credit team by taking credit one-offs
Keep abreast of market developments & counterparties and escalate any pertinent information up to senior credit managers
Confidently numerate; able to distill, assess and test validity of high volumes, and complex data
Comfortable planning and re-prioritising workload in an unpredictable environment
Outstanding qualifications, preferably with some application to credit risk and/or administration, finance, accounting, engineering, law or economics
Persuasive communication skills (both written and verbal) and confidence when being challenged
Self-directed in an unpredictable market environment
Ideally have two years of experience in counterparty credit risk, and/or credit operations in trade finance
CFA charterholders, CA/CPAs or those working towards these or other qualifications which demonstrate an understanding of financial statement analysis and an interest in financial markets and products will be highly regarded

Senior Credit Risk Analyst Resume Examples & Samples

Group Mortgage System (GMS) is the strategic platform in the bank for new mortgage business. GMS is an Oracle based application deployed on Unix platform. GMS has been undergoing some changes which involves implementation of requirements from a number of sub-projects
This role is expected to undertake the analysis, design, development and testing on projects impacting GMS applications directly on in directly. Additionally, responsibilities of this role will involve gaining knowledge about the GMS application and various systems
Provide inputs for Estimation, Analysis, Design and Development
Provide technical guidance to the team members
Mentor the team to enhance their technical competencies to ensure high standards of quality
Work with team to build most optimal solution(s)
Ensure timely delivery
Troubles shoot issues during various test cycles & ad-hoc cycle
Oracle 11g
PL/SQL (stored procedures, packages, triggers, indexes)
Unix, shell scripts
Performance tuning techniques

Credit Risk Analyst Resume Examples & Samples

Maintains an appropriate credit risk management framework
Implementing the bank’s credit risk strategy and credit risk appetite
Contribute to implementation of the change agenda pertaining to the credit risk management framework
Operates under a sound credit granting process
Approve or recommend for approval new credit requests, extensions, and amendments, renewals and/or re-financings
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 counterparty credit analysis including, but not limited to, credit due diligence meetings, industry analysis, cash-flow and liquidity analysis, sensitivity analysis, collateral and enterprise valuation analysis
Size risk mitigation in-conjunction with the Credit Valuation Agreement (CVA) desk
Determining risk appetite for individual corporate counterparties and exercise credit judgment either within delegated credit authority or through recommendation to senior management
Coordinating the approval process from beginning to end for underwritten transactions, loan participations, and ‘flow’ transaction
Capturing in the credit information systems, in a timely manner
The correct and accurate credit exposure the transaction attracts
Justification for any credit extensions

Cib Credit Risk Analyst Resume Examples & Samples

Reviews/assesses credit applications from branches/agencies
Provides effective analysis of credit including, worthiness of applicant, loan structure, risk return, applicant operating profile and industry profile including historical profit and loss performance, financial condition and cash flow. Analyzes cash flow projections, commenting on the reasonableness of assumptions in both management’s and Mizuho’s sensitivity cases. Compares the prospective borrower to its peers and notes industry trends
Presents credit approval recommendations to General Manager and DGM
Thoroughly analyzes and recommends appropriate industry and Borrower exposure to maximize risk return
Acts as liaison between, gathers information (especially on problem customers) from and exchanges viewswith branches/agencies/other Credit Divisions and senior management regarding issues related to credit applications, monitoring, analysis, standards and policies
Proven credit analysis skills and related analytical skills/knowledge/abilities
Demonstrated in-depth industry knowledge and information on key industry players within the Project Finance space
Aptitude to write well organized, accurate and in-depth reports based on information gathered
Strong multitasking ability to proactively monitor on an on-going basis the pool of credits to detect potential credit problems at an early stage
Ability to plan and schedule work to meet both long term and short term time frames
Strong knowledge of Mizuho’s credit policies and procedures
8+ years of relevant experience preferable

Senior Credit Risk Analyst Resume Examples & Samples

Liaise and interact with Clients and CIBC Business Partners. Respond to inquiries and requests providing professional high quality of customer service for the assigned portfolio
Research and investigate day-to-day service issues related to credit products and act as the primary contact for clients with escalations to ensure high customer satisfaction
Monitor ongoing risks associated with accounts through systems and reports (e.g. Auto RIL, monthly RIL extract, ACBS, MIF) for all credit facilities to process transactions, margins and perform detailed analysis of financial statements and related documents to ensure accuracy of data
Conduct regular audit reviews to ensure continuous and consistent compliance of assigned accounts to the approved credit and agreement by preparation of daily and monthly exception reports for management review
Manage relationships with CIBC Business Partners on all credit-related activities to ensure accounts operate within terms and conditions of the authorized credit
Review complex loan documentation to ensure compliance with authorized credit and due diligence to escalate errors/omissions for correction prior to closing, and conditions precedent are met prior to closing and funding for new/amended credit facilities
Process further advances, draw requests and loan payments as required
Act independently of the business to ensure ongoing compliance of the terms and conditions of the authorized credit and exercise delegated authority to make decisions as required
Ensure compliance to internal controls and procedures with full authority to escalate to Senior Business Partners and/or Risk Management as appropriate to maintain integrity of CIBC's position and timely resolution of issues
Act as a consultant to the business for deal structure and presentation to ensure customer satisfaction Manage the credit fulfillment function by providing specialized operational and administrative expertise
Act as an agent for continuous improvement in updating business processes and identify opportunities to improve or enhance processes, procedures and service for clients ensuring department efficiency
5-7 years of experience within Financial Services industry
University degree / College diploma in Business, Accounting or Finance or equivalent practical work experience
Well developed knowledge of Commercial Credit industry and/or General Banking; knowledge of Branch Operations / Trade finance (e.g. B/A's, Libor loans, SWAPS, FEC's, L/C's L/G's)
Knowledge of internal CIBC systems and applications (e.g. MIF, Auto Ril, CEAS, COINS, CDS) as well as various Lending and Deposit Products and Services
Proficient in Financial analysis skills to extract, analyze and compile financial data from various sources
Working knowledge of CIBC's internal structure would be an asset, in order to exchange information with other departments and ability to see the "big picture" and influence decisions
Developed communication skills (written and oral) sufficient to exchange detailed information requiring considerable explanation
Well developed keyboard and computer skills (e.g. Word, Excel-spreadsheet preparation)
Ability to work accurately within very tight deadlines to meet demands of deal closings
Compliance with all CIBC regulatory training and ensure these programs and policies are applied consistently across the business. The incumbent is personally responsible for compliance with all such regulatory and governance programs
Proficiency in English and French an asset

Credit Risk Analyst Resume Examples & Samples

Interacts with sales support, customers and other Dell functions to support and maintain said accounts
Prepares formal credit reviews/write-ups and renders credit recommendations on new and existing accounts
Responsibilities include spreading and analysing customer financial statements and the determination of the appropriate risk grades (PD/LGD) and ensuring that said credit limits, conditions of same, and risk grades are entered and maintained within the appropriate systems
Monitors and communicates credit concerns to management
Performs the investigation and analysis of credit risks for larger assigned accounts, preparing credit write ups for large customers for presentation to Credit Committee where required
Serves as a liaison with contacts within other departments, customers and third parties to obtain necessary credit information and documentation
Regularly briefs leadership on the status of assigned accounts
May identify and recommend process improvements for team
Extensive years’ experience in a similar role
Detail and results orientated
Flexible and capable of working on multiple tasks/projects concurrently
Intermediate to advanced Level of Microsoft Office (Excel, Word, PowerPoint)
Strong interpersonal and communication skills, both verbal and in writing

Credit Risk Analyst Resume Examples & Samples

Conducting and documenting credit analysis for initial, annual and interim reviews of Asset Finance counterparties and credit facilities
Determining and assigning appropriate credit limits and internal risk ratings
Preparing written reports to communicate the results of the analysis conducted
Monitoring and reporting on credit limits, exposures and portfolio characteristics
Determining appropriate credit terms to be included in legal documentation
Participating in client due diligence meetings and calls
Representing CRM in meetings with Front Office, Legal and Compliance, Treasury, etc
Tracking loan covenants, deterioration of credits, excessive concentrations of risk and asset performance concerns
Mentoring new or less experienced team members
Assisting with market and other ad hoc analyses
Familiarity with Intex is a plus
Exceptional time management skills
Good communication skills — oral and written
Solid negotiation and inter-personal skills, especially influencing and personal impact
LI-SL1*

Credit Risk Analyst Entry Level Position Resume Examples & Samples

Assisting with transactions early in the deal process, identifying key issues and co-ordinating the credit response
Presenting complex structures in a concise and clear manner, including making recommendations to senior risk management staff
Ongoing and self-initiated monitoring of counterparty and industry developments
Timely response to trading line requests
Managing and monitoring client exposures and preparing annual review of existing limits and counterparties
Coordinating and compiling internal reporting
In due course the possibility of participating in client visits to gain a better understanding of the client's position
Assisting in the negotiation of legal documentation
Advanced Excel skills are desirable
Persuasive communication skills (both written and verbal) combined with confidence when being challenged

Credit Risk Analyst Resume Examples & Samples

Performs ad-hoc and non-standardised portfolio risk analyses and assessments on UBS Switzerland credit portfolio upon requests from risk control and/or business in cooperation with group risk functions and other
Reviews portfolio developments incl. in/outflows, development of key risk indicators, exception-to-policy ratios, etc. in relation to market developments and pre-defined benchmarks
Cooperates with key stakeholders to derive appropriate portfolio measures
Supports projects under lead of (or with significant involvement from) Credit Portfolio Management

Credit Risk Analyst Resume Examples & Samples

Perform complex credit risk analysis and/or modeling to maximize profits and asset growth
Minimize credit and operating losses and other risk exposures
Provide analytical support segmenting and monitoring credit, concentration limits, etc. and make recommendations based on trends
Make strategic recommendations
Develop complex programming models to extract and manipulate databases to provide statistical and financial modeling
Develop and maintain reports
Requires a Bachelor’s Degree (Master’s Degree preferred)
1 plus year of credit risk analysis and reporting experience
1 plus year of SAS programming experience
1 plus year of reporting experience preferably within the financial services industry
Relational database and SQL experience is highly preferred
Ability to summarize data and statistical results for all levels of management
Strong analytical and technical skills and ability to work in a team environment
Ability to work with internal and external customers and possess strong customer service and communication skills, both verbal and written

Credit Risk Analyst Resume Examples & Samples

Normal office environment, generally comfortable physical setting, nominal physical demands, frequent use of computers and large volumes of documents and reports
Limited business travel may be required and not exceeding two weeks per year
The position will interact with other departments within the organization such as IT and Operations and as such good communication skills and a team player approach is required
A degree in statistics, mathematics or other quantitative discipline
At least 5 years experience in data modeling preferably in the credit risk function of a bank or financial services organization
Extensive analytical skills and advanced statistical knowledge
Advanced proficiency in the use of SAS as well as excellent data presentation skills
A sound understanding of the data, products, systems and processes with respect to Wholesale Credit and/or Market Risk management

Senior Credit Risk Analyst Resume Examples & Samples

Assess the risk of Retail CLASS credit applications through consideration of financial history, cash flow and other analyses within established policies and guidelines
Make credit approval/decline decisions within delegated limits; assess then refer recommendations to your Sr. Director or alternate management for accounts above delegated authority
Recommend/negotiate alternative options on declined credit applications such as changes to the amount, structure and/or terms and conditions to arrive at an approval while maintaining a balance between customer relations and risk
Effectively communicate both the decision and approval conditions or decline rationale to assist Relationship Managers in explaining the Bank’s decision to customers
Identify deteriorating accounts and recommend referral to National Collections for remedial re-write to minimize losses
Ability to work in either a team environment or independently with minimal

Senior Credit Risk Analyst Resume Examples & Samples

Experience in retail/commercial lending or adjudication is preferred
Strong working knowledge of the main credit principals for personal lending
Strong working knowledge of the main credit principals for business/commercial lending
Strong working knowledge of the risk rating methodology for the iCap credit book
Knowledge of pricing and product attributes and principles used in personal, residential, mortgages and business lending, both at CIBC and in the broader marketplace
Strong knowledge and experience reading/interpreting/analyzing financial statements
Good working knowledge of Canadian capital markets
Good working knowledge of financial planning concepts
Working knowledge of high net worth financial/estate planning concepts
Knowledge of general economic, business, accounting, legal, tax and regulatory environment
Working knowledge of CIBC products and services as it relates to high net worth clients
Knowledge of business lines within CIBC
Computer literacy including proficiency in word/excel/powerpoint
Preference given to candidates who have attained an undergraduate degree geared to business or economics
Preference given to candidates who have successfully completed the Canadian Securities Course (CSC) and Professional Financial Planning Course (PFPC)
Other professional designations in law, accounting or investment management considered an asset

Credit Risk Analyst VP-securitization Resume Examples & Samples

Analyze transaction risks of securitization products across a variety of asset classes and structures
Negotiate credit terms with business units for the purpose of approving or recommending deals to the Bank's senior Credit Risk management
Monitor individual and portfolio risks as well as industry fundamentals or market trends
University degree level
Good knowledge / experience of the following areas
Legal documentation
Cash flow models
Dealing with customers, banks, and advisers

Credit Risk Analyst Ii Consumer Risk Resume Examples & Samples

Develop, validate and implement various models used for loss forecasting, portfolio stress testing, account management analysis and other targeted analysis. Perform ad-hoc analysis of consumer portfolios as directed. Report and analyze characteristics of the Consumer Credit lines of business in relation to policies, guidelines and processes
Run daily/monthly/quarterly production processes in a meticulous fashion within established controls and tight deadlines. Develop reports to understand financial performance by risk and behavioral segments. Develop and document detailed application specifications in a form that it can be used for coding
Design, develop and interpret complex business and statistical analyses to support management decision-making as it applies to portfolio risk management and evaluation of marketing programs. Optimize risk/reward trade-off to support new risk initiatives and portfolio risk analytics involving relationships among key business drivers
Establish close working relationships with the Credit functions of the various Consumer Lending groups, while maintaining independence/objectivity. Monitor and evaluate problem loan statistics. Ensure that appropriate reporting of activity is occurring consistent with Bancorp policy as well as pertinent accounting/regulatory guidance
Masters degree in relevant field (Business, Finance, Statistics, Economics, etc). PHD in relevant field preferred. An equivalent combination of education/experience will be considered in lieu of a Master degree
Demonstrated ability to understand various applications and business intelligence/database tools
Demonstrated ability to work cohesively within a team
Demonstrated ability to learn and understand various applications and business intelligence/database tools

Credit Risk Analyst Resume Examples & Samples

Demonstrate technical expertise in the area of consumer credit risk
Provide direct support within the Credit Risk Review group in the evaluation and analysis of all consumer credit risk
Analyze portfolio level information to identify and monitor key risk factors and develop proposed solutions
Perform ad-hoc analysis of consumer portfolios as directed
Report and analyze characteristics of the Consumer Credit lines of business in relation to policies, guidelines and processes
Establish close working relationships with the Credit functions of the various Consumer Lending groups, while maintaining independence/objectivity
Monitor and evaluate problem loan statistics. Ensure that appropriate reporting of activity is occurring consistent with Bancorp policy as well as pertinent accounting/regulatory guidance
Access and query a multitude of databases and create and maintain data sets as appropriate
Identify and communicate potential policy and or operational improvements that will enhance credit quality
2-5 years of Consumer Lending experience (origination and/or credit or experience in reporting systems, database management and analytics
Degree in statistics/math, economics, or finance discipline; MBA/Master’s preferred
Demonstrated ability to interpret data and determine next steps
Demonstrated ability to work with significant volumes of data in various formats and databases
Strong Excel skills (pivot tables/formulas) and SAS programming experience in data sourcing, manipulation, and report automation. SQL programming is a plus

Credit Risk Analyst Asset Managers & Funds Resume Examples & Samples

Providing assistance and support to the Senior Credit Officers in the ongoing credit management of the portfolio
Demonstrate sound credit judgement in analysis and approval/decline of new transactions (incl. cash lending, trade finance, and derivatives), reflecting understanding of pertinent issues and risk drivers
Proactively identify and communicating credit risks in a clear and concise manner and producing high quality and value added credit comments
Considering inherent, material risks of the organisation by analysing the risk profile and confirming that risks are being identified, assessed and mitigated
Financial analysis on a regular basis including modelling and sensitivity analysis for a distinct portfolio of counterparts
Providing Credit Risk input to facilitate the negotiation of appropriate Legal documentation
Attending meetings with and maintain regular contact with the front office / product areas in order to build good working relationships. Also build / foster relationships with external parties where possible (counterparts at other banks, rating agencies)
Producing analysis and reports / documentation to prepare Senior Credit Officers for client visits
Fluent French language skills
Credit risk analysis experience working within financial institutions
Stress testing and financial cash flow modelling experience
Strong analytical background which can be applied to counterparty analysis
Good working knowledge of credit grading models

Market & Credit Risk Analyst Resume Examples & Samples

Develop, maintain, and enhance enterprise-wide financial risk measurement, reporting, monitoring, and managing capabilities for a complex institutional asset manager covering multiple asset class products in fixed income, equity, and alternative markets
Leverage risk modeling platforms such as BlackRock Aladdin, Bloomberg PORT, and proprietary systems to quantify risk exposure to interest rates, credit spreads, equity, foreign exchange, commodity, and macroeconomic factors
Analyze risk factor returns, volatility, and correlation structure to calibrate models to historical distributions and identify tail-risk events under various stress case scenarios
Enhance the automation of risk quantification and scenario stress testing processes to reallocate efforts towards value-added, what-if risk analysis
Advanced degree in statistics, mathematics, economics, or quantitative finance; Master’s degree preferred
Strong programming background with 3+ years of professional, industry experience
Development of quantitative frameworks in Matlab, MS SQL, MS VBA, MS Excel, and/or R and Python
Development of systems and implementation of methodology related to market risk quantification, with strong understanding of financial products covering cash, derivatives, and structured products in the fixed income, equity, and alternative markets
Prior work with risk modeling platforms such as BlackRock Aladdin, Algorithmics, Bloomberg PORT, Barra Aegis, and Axioma
Strong communication skills to present to senior management and investment and risk teams
Proactive and solutions-oriented, innovative
Learning agility, able to adapt quickly and appropriately in accordance with the constant evolution of the company and industry
Responsive to client needs
Collaborative and energized by the open exchange of ideas

Credit Risk Analyst Resume Examples & Samples

Conduct root cause analysis to identify opportunities to predict, prevent and mitigate risk within processes and performance across consumer lines of business
Identify and communicate potential policy and or operational improvements that will enhance credit quality. Evaluate new consumer risk related data sources and risk analytical tools, and develops innovative risk management capabilities and processes
Prepare and deliver presentations related to recommendations and strategy results to business partners and management
Minimum 5 years experience in reporting systems, database management and statistical modeling
Demonstrated ability to work on multiple projects within expected timelines
Minimal 5 years experiences of BASE/SAS, STAT/SAS, MACRO/SAS, Graph/SAS, Mainframe SAS and SAS Enterprise Guide
Minimal 5 years experience to access and query a multitude of databases on different platforms such as Oracle/DB2/MS-SQL Server/Teradata/MS Access, translate SQL queries among different database platforms, create and maintain data sets as appropriate by SQL programming

Credit Risk Analyst Resume Examples & Samples

Review and control LOC and CAD documents
Approves or rejects new applications based on credit reports, references and/or prior history, and communicate the outcome with sales
Forecasting of sales revenue and customer credit limit
Fluent written and verbal English
Additional languages not required but desirable

Credit Risk Analyst Resume Examples & Samples

Bachelor's degree with a Business, Finance, Accounting, or similar concentration
1-2 yrs finance, accounting, banking, or credit analysis experience
Must be able to handle multiple projects and deliver high quality and timely results concentration

Cfd Credit Risk Analyst Resume Examples & Samples

Review and/or prepare legal documents in conjunction with the Legal Department or outside counsel
Monitor all clients, with publicly available information, on a daily basis according to the monitoring policy of the Division
Assist and coordinate booking requests and other administrative functions with the Administration Group of the Division and Middle and Back Office at Harborside, NJ
Assist Team Leader and other senior staff with other administrative duties within the team, as assigned
1-3 years credit experience in a financial institution, with coverage experience in Industrial, Diversified, and Basic Industries sector

Credit Risk Analyst Resume Examples & Samples

General Risk Management experience, 3-5 years
Understanding of Credit Risk Documentation
Knowledge of credit risk products e.g. loans, clearing and settlement lines, derivatives, etc
Knowledge of Basel III
Knowledge of ICG Risk Policies
Strong interpersonal and written communication skills
Good technical skills and the ability to learn and work with very complex in-house data management systems

Credit Risk Analyst Resume Examples & Samples

Assist in establishing, monitoring, evaluating and interpreting data with a risk management focus with an understanding of business strategy
Demonstrate working knowledge of Credit Risk databases to provide data and analytical support to Senior Management
Perform data manipulation and analysis using Microsoft Office Products and present results and recommendations to Credit Risk Management
Demonstrate data manipulation and analysis using tools such as SAS and SQL
Track portfolio performance and risk strategy results. Incorporate observations and data in existing models to improve predictive results
Identify deviations from forecast/expectations and explain variances in complex situations. Identify risk and/or opportunities
Develop and enhance financial analysis and data support tools that will be used both in and outside the Credit Division
Demonstrate working knowledge of credit risk metrics including Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD)
Provide guidance and direction to lower level analysts regarding financial and data analysis
Act as a lead in managing Commercial Scorecard projects and initiatives under the guidance and direction from Management. Present data, results and/or recommendations to Senior Management as necessary
Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management
Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable
Bachelor’s degree, or in lieu of a degree a minimum of 4 years work experience
Minimum of 3 years of relevant experience required
In lieu of a degree, a combined minimum of 7 years’ higher education and/or work experience
Strong MS Excel & Access experience
Master’s Degree in Business, Accounting Mathematics, Statistics, or another technical discipline preferred
Banking or Financial Services experience preferred
Previous Financial Analysis experience preferred

Credit Risk Analyst Resume Examples & Samples

Develop and maintain working knowledge of Credit Risk databases to provide data and analytical support to Senior Management
Identify deviations from forecast/ expectations and explain variances. Identify risk and/or opportunities
Provide financial analysis and data support to other groups/departments both in and outside the Credit Division
Develop working knowledge of credit risk metrics including Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD)
Bachelor's Degree, or in lieu of a degree a minimum of 4 years work experience
Minimum of 2 year of relevant experience required
In lieu of a degree, a combined minimum of 6 years’ higher education and/or work experience
Bachelor’s degree in Accounting, Finance, Mathematics, Statistics, or another technical discipline preferred

Credit Risk Analyst Resume Examples & Samples

1-4 years of credit experience
Ability to handle high work volumes
Detail-oriented and highly-organized

Credit Risk Analyst Resume Examples & Samples

University degree/college diploma in a relevant discipline
3 to 5 years of related experience as an Investment Representative
Successful completion of Canadian Securities Course (CSC) or Investments
Solid knowledge and understanding of firm policies on credit limits and diversification
Good understanding of the credit risk and regulatory requirements
Good knowledge and understanding of the business unit’s key products and services,processes and controls
Strong relationship management and customer service skills
Strong risk management skills

Asset Mgmt Risk-counterparty Credit Risk Analyst Resume Examples & Samples

Working with large volumes of data to conduct adhoc analyses as needed
Updating and distributing Counterparty reports
Undergraduate degree with 3+ years of relevant work experience - strong academic performance with coursework in economics, statistics, and finance; knowledge of exchange-traded products and derivatives preferred
Exceptional analytical skills (naturally inquisitive/intellectually curious)
Programming knowledge, preferably in Python, VBA, and SQL

Credit Risk Analyst Resume Examples & Samples

Evaluating 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
Interacting with counterparties to conduct due diligence and obtaining relevant information to complete credit requests and clarify issues that may arise as to suitability and authority for different trading products
Assessing counterparty exposure and evaluating transactional risks associated with various trading activities across Fixed Income, Equities and Foreign Exchange
Assisting the Credit officers in the portfolio analysis and on-going monitoring of various risk reports (e.g. stress reports, risk sensitivities reports, sector reports)
Preparing written counterparty periodic reviews/credit proposals for submission and presentation to Credit Officers, providing recommendations on appropriate trading limits and guidelines and drawing conclusions related to credit assessment and risk tolerance
Monitoring counterparty credit quality on an ongoing basis and provide support on daily tasks, including limit monitoring and excess management
Interacting with sales people 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
Interacting with Risk Control Operations and Risk reporting teams to provide CRC inputs on front-to-back and/or risk reporting issues
Interacting with various departments to resolve ongoing issues, e.g. Onboarding, Legal, Ops, Finance, Market Risk
Participating in negotiations of trading documentation
Participating in global and regional sector / portfolio reviews or other regional and global projects

Credit Risk Analyst Lead Resume Examples & Samples

Development of models and scorecards using bank approved techniques, including logistic regression and decision tree analysis
Develop and optimize credit risk strategies using analytical techniques and statistical analysis
Support model back-testing and monitoring to ensure Retail Risk scorecards are discriminating effectively and are fit-for-purpose
Develop quantitative and qualitative assessments and action plans to management, steering groups and committees, as necessary
Compile comprehensive Model Documents that satisfy the Bank’s Model Risk requirements and industry regulations including FRB SR 11-7 and OCC 2011-12
Work on Risk Innovation projects to support the bank’s strategic goals
Ad-hoc data analytics as required to support key initiatives
Extract of large complex analytic datasets from host systems, and approved data warehouses and marts
Masters or PhD degree in a quantitative discipline such as mathematics, statistics, economics. etc
7+ years experience in a statistical modeling and/or analytics role
5+ years experience in a modeling or analytic role within Retail / Consumer credit risk management in banking and financial service sector is preferred
Experience of using credit scoring techniques such as logistic regression
Good understanding of industry regulations including FRB SR 11-7 and OCC 2011-12
Experience using statistical / analytic techniques including cluster analysis, decision trees, survival analysis and time series methods
Proven experience with SAS, SQL and preferably also VBA
Good communication, interpersonal and organization skills

Credit Risk Analyst Resume Examples & Samples

Support credit officers in making holistic risk assessment in relation to collateralized lending and derivatives trading, including the preparation of annual credit reviews for credit officers' decision
Leading with the implementation of credit decisions and assist credit officers with ongoing risk management, including but not limited to – collateral and exposure monitoring, compliance with credit conditions, accurate bookings/entries in the systems, identifying collateral shortfalls and ensuring that margin calls are remedied in a timely and satisfactory manner etc
Contribute towards development of appropriate data and risk monitoring tools and processes such as stress monitoring and concentration and bulk risk monitoring. Ensure robustness and accuracy of position calculations
Provide analysis on adhoc risk topics for management reports by working with various data sources and collaboration with other teams to gather information
Review client portfolios and process, and proactively identify areas for improvements and contribute to driving efficiency and productivity gains across existing and new processes
University Degree (or equivalent) finance, business, accounting or related fields
Proficient with Powerpoint and Excel and experience in handling/manipulating large data sets. Any programming skills such as VBA will be an advantage

Credit Risk Analyst Resume Examples & Samples

Conduct root cause analysis to identify opportunities to predict, prevent, and mitigate risk within processes and performance across consumer lines of business
Develop, validate, and implement various models used for return on capital cash flows, loss/prepay projections, portfolio management analysis, and other targeted analysis. Perform ad-hoc analysis of consumer portfolios as directed. Report and analyze characteristics of the Consumer Credit lines of business in relation to policies, guidelines and processes
Masters degree in relevant field (Business, Finance, Statistics, Economics, Mathematics, etc). An equivalent combination of education/experience will be considered in lieu of a graduate degree
Minimum 5 years experience in reporting systems, database management, and statistical modeling
Minimal 3-5 years professional experience in BASE/SAS, STAT/SAS, MACRO/SAS, Graph/SAS, Mainframe SAS, SAS Enterprise Guide
Strong Excel skills (pivot tables/formulas) are required
SQL programming is a plus
Experience working on multiple projects within expected timelines and work cohesively within a team

Counterparty Credit Risk Analyst Resume Examples & Samples

Develop new and improve the existing methodologies across all exposure and collateral models within counterparty credit risk
Ensure accurate risk capture in line with regulatory requirements, risk principles and internal policy
Work closely with the Monte Carlo model quant specialist on risk and FO side to ensure timely resolution of modelling gaps regarding counterparty exposure simulation and assess the impact of model changes
Liaise with the change teams to implement or sign off IT changes and to support strategic initiatives
Answer queries raised by Senior Management, Credit Officers, Front Office and Regulatory Reporting teams
Oversee and direct implementations of model and methodology changes, across all of the firms legal entities
Good understanding of counterparty credit risk models - excellent understanding would be a distinctive advantage
Strong VBA and SQL skills
Solid knowledge of financial products
Experience in financial markets,preferably within credit or market risk

Counterparty Credit Risk Analyst Resume Examples & Samples

Experience working in a control function (Middle Office/Operations) for capital markets products
Effectively communicate complex operational process issues to drive remediation
Desire to drive change
Undergraduate degree, preferably in finance or business discipline Desired Skills: Strong technical skills including experience using MS Office, SQL, and Visual Basic

Credit Risk Analyst Resume Examples & Samples

Work with senior Risk and line of business managers to analyze key portfolio and origination credit trends to ensure the portfolio performs within Risk Appetite and other Business Credit Risk Limits
Identify economic trends or emerging issues that may impact the credit quality of the portfolio; this involves reviewing macro economic variables and future economic scenarios from internal and external sources
Monitor exposure to residential real estate risk across the enterprise and performance against limits
Conduct cross product analysis from credit perspective on ad-hoc basis for senior management for emerging economic or portfolio trends
Assist in establishing key credit risk metrics to effective measure risk against internal and external benchmarks
Develop presentations for senior management to effectively communicate current and expected credit performance and emerging trends or issues
Communication and escalation of emerging risk issues to Risk leadership
Ad hoc analytical or reporting as requested by management
1-2 years of Macroeconomic data analysis
Product knowledge of consumer real estate products
Ability to evaluate large quantities of customer, economic, and industry information, and to communicate with senior Risk and business leaders
SAS, SQL related to mortgage products
Experience with economic metrics (EDP, rates, moodys)
Prior Banking credit risk functional experience
2+ years of SAS/SQL Data Mining
Background in statistics, economics, or other quantitative field

Senior Market & Counterparty Credit Risk Analyst Resume Examples & Samples

At least 4 years experience in wholesale banking experience in market or counter-party credit risk
At least 1 year experience in demonstrated knowledge of or experience with key market initiatives and upcoming mandatory regulatory requirements - Valuation Adjustments (XVA), Fundamental Review of the Trading Book (FRTB)
At least 1 year experience in Standardized Approach for Counterparty Credit Risk (SACCR)

Credit Risk Analyst Resume Examples & Samples

Credit training/lending experience
Proficient in financial modeling
Knowledge of banking laws and regulations
Bachelor or Master’s Degree
2-5 years of credit lending/experience

Credit Risk Analyst Resume Examples & Samples

Develop and/or evaluate various models used for loss forecasting, portfolio stress testing, and other targeted analysis
Ability to access and query a multitude of databases and create and maintain data sets as appropriate
2-5 years of Consumer Lending experience (origination and/or credit)
Minimum 2 years experience in reporting systems, database management and analytics

Credit Risk Analyst Resume Examples & Samples

Liaise with multiple stakeholders to ensure that insightful commentary drives holistic understanding of portfolio performance
Perform timely ad hoc analysis, gaining understanding and insight into key business and financial metrics
Drive efficiency and productivity gains, implementing change with the appropriate levels of control and documentation
Contribute to the development of appropriate data and MI tools to ensure a full understanding of the product’s credit cycle and the drivers of its performance
Educated to degree level in numeric discipline, or equivalent business experience
Previous proven track record in Risk management or financial industry
Experienced and skilled in using SAS data integration tool
Ability to apply data and analytical theories to portfolio management
Strong MS Office experience, particularly Excel & PowerPoint
Ability to remain flexible across all areas of Credit Risk
Display a can-do attitude, self-motivation and commitment to achieve demanding objectives
Previous experience in Portfolio Management, stress testing, scorecards or modelling methodologies - Up-to-date knowledge of sector best practice and regulatory requirements - Knowledge of mortgage and / or introducer related lending

GWM Risk-credit Risk Analyst Resume Examples & Samples

Self motivated, team player, hard working
Proactive: takes ownership of developing skill set
Experience within legal, credit administration, operations, or support group within the Financial Services
Proficient in multi-languages (Spanish, Italian, French, German, Portuguese, etc.)

Senior Credit Risk Analyst Resume Examples & Samples

Recommending Obligor Ratings for Asset Servicing Portfolio. Typical counterparties including mutual funds, pension plans, endowments, foundations and to a lesser extent insurance companies and banks
BNYM uses scorecard methodology in assessing Obligor Risk Ratings. Having a clear understanding of the scorecard’s underlying factors and weights and properly use them in assessing quality of fund managers / plan sponsors, liquidity and quality of underlying securities, develop a comprehensive view of the credit approval environment
Process includes coordinating with other Analysts and wider team, reporting statistics on team’s rating process and providing with progress reports
Organize appropriate document storage and library and make sure all pertinent customer information and documentation used in support of assessment is made available for further reference
University degree with previous experience of working in an operational / product credit department
Exposure or previously worked in a trade release function and some credit analysis experience is desirable
Product exposure: FX, fixed income, equities, custody, trade settlements
Excellent communication skills with the ability to effective influence and advise senior business heads with suitable solutions
Naturally inquisitive, confident to challenge and ask questions, in order to make the right decisions for the bank
Self-motivated team player with the ability to drive delivery
Previous experience of working in a complex large banking / financial institution is required

CCB Risk-consumer Credit Risk Analyst Resume Examples & Samples

Identifying, assessing, and documenting business requirements, recommending business priorities, and advising business on options, risks, and costs
Conducting research to determine if solutions to business requirements currently exist within or outside the business unit, and if not, whether new solutions are feasible. Analyze the impact of proposed solution across the business
Development of use cases to explain/demonstrate business requirements/specifications to business owners and IT team, and contribute a business or process perspective during design reviews
Facilitate implementation of new functionality through training sessions, demos, and the development of appropriate documentation. Provide relevant quality control and test scenarios as needed. Work with the report integration team to develop system integration test scripts and ensure the testing results correspond to the business expectations
Minimum 5+ years of relevant in Business/Data Analysis
Demonstrated strength in SAS, SQL and / or other Oracle database tools knowledge
Experience documenting functional use cases and testing scenarios
Experience/understanding of business process mapping and reengineering and business modeling concepts, business systems development and analysis
Awareness of the business and MIS/IT strategy planning
Advanced knowledge of MS Excel, Access and PowerPoint preferred

Credit Risk Analyst Resume Examples & Samples

Evaluate portfolio risk by monitoring metric trends
Evaluate and monitor the impact of proactive and reactive line changes
Evaluate and monitor the impact of overlimit authorizations
Evaluate and monitor the impact of collections strategies
Beginner/Intermediate level of SAS programming experience
Knowledge of loss and delinquency forecasting methods
1-2 years experience with data analysis

Credit Risk Analyst Resume Examples & Samples

Support business by providing trade and structuring solutions as part of new transaction review process and carrying out due diligence on new clients
Determining appropriate collateral haircuts in conjunction with Exposure Management Group and facility LGD assessment
Liaison with other Risk and Infrastructure functions (e.g. Market Risk, Legal, Treasury, Portfolio Management)
Ensure regulatory requirements are met including annual credit reviews, excess ticket review and portfolio data quality is maintained to a high standard
Contribute to improvements in the credit risk management processes via ad hoc project work
Excellent interpersonal skills and the ability to communicate to people at all levels
Ability to work under pressure and make decisions independently
Have good knowledge and understanding of capital markets products including foreign exchange, treasury and derivatives products and key risk drivers
Ability to engage with business and help/guide their transactions/structures such that they conform to the banks risk appetite
Experienced in analysing financial institutions and sovereign credits, ideally covering European Banks
Have an understanding of PD and LGD and familiarity with providing ratings for counterparts or structured trades
Able to run transactions independently
Experienced in documentation negation and risk mitigation skills (i.e. ISDA & CSA, GMRA, GMSLA, loan docs)
Effective in verbal and written communications

Credit Risk Analyst Resume Examples & Samples

Score cut off setting
Credit Maintenance Programs (CLIs, CLDs, Top-Ups, etc)
Multi product offers
Credit line setting
Minimum 5+ years experience in Credit Risk Business
Leadership/Influence/Negotiation
Demonstrated ability in problem solving and think independently
Knowledge of SAS and SQL is highly preferred

Credit Risk Analyst Resume Examples & Samples

Applicants must have experience in credit analysis from Commercial, Corporate or Investment Banking
Strong understanding of the UK Banking market and related legal loan documentation advantageous
Strong presentation skills (both written & Oral)
Negotiation / persuasion skills
Diligence / attention to detail
Commercial, industry and market awareness
Initiative / persistence
Self-reliance, ability to operate autonomously, when required
Ability to network within the Bank
Formal Credit qualifications would be advantageous

Credit Risk Analyst Resume Examples & Samples

Develop recurring credit stress testing and portfolio reports for assigned portfolios as well as ad hoc credit risk analysis reports as requested by management
Develop and analyze scenarios affecting the risk exposure of assigned portfolios to identify emerging credit risk trends including loan-level probability of default and loss given default
Maintain, use and, as appropriate, recommend improvements to assigned credit risk models and maintain a working understanding of the same
Perform and document validation of the applicable models managed and used by Credit Quality as assigned, including credit stress test models and dual risk rating scorecards, according to required guidelines
Oversee testing, validation and documentation, as needed, the quality of data entering credit systems and models in support of various Credit Quality teams as assigned
Partner with other business units and applicable project teams to improve the quality of the data being used in the credit risk models
Coordinate and work in cooperation with other departments who are dependent upon assigned credit risk models for other bank purposes, such as Dodd-Frank Act Stress Testing or the ALLL
Oversee documentation, review and testing of procedures affecting assigned portfolios and models
Oversee staff, directing others daily work activities and undertake hiring, termination, corrective action or performance reviews
Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual required or job-specific training. Follows all Bank policies and procedures and compliance regulations, and completes all required annual required or job-specific training. May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become "The World's Greatest Bank."
Bachelor’s Degree in the field of accounting, finance, business, economics, or related field required
5-8 years of financial or risk-related analytical experience applicable to credit and loan portfolio risk assessment
Possess working understanding of statistical methodology as applied to quantitative models. Experience with credit risk models preferred
Possess working understanding of data systems, warehousing and integrity issues as well as data transformations and logic
Ability to review, manipulate and analyze complex data sets
Demonstrate excellent written and verbal communication and organizational skills
Proficient with personal computers, MS Office (e.g. Word, Excel, PowerPoint), and other business systems. Higher skills sets required for Excel, including strong proficiency with statistical and data set manipulation tools
Ability to prioritize and manage multiple tasks successfully, be detail oriented and operate under scheduled deadlines

Senior Credit Risk Analyst Resume Examples & Samples

Insightful, value add analysis to drive strategy recommendations
Monitoring of decision strategies, scorecard performance and portfolio MI to provide insights, and influence business outcomes
Leverage Champion/Challenger methodology to develop strategies
Collaborate across the enterprise, liaising with key stakeholders to influence credit risk portfolio management outcomes
Design, Test and Implement Decision Tool Changes
Adherence to Decision Tools policy
Extensive experience in a portfolio credit risk analytics role, preferably within consumer finance or equivalent, (i.e. commercial lending, utilities or telecommunications)
Numerate/analytical ability to interpret complex and ambiguous information and communicate results confidently and clearly in both spoken and written form
Tertiary qualification in numerate discipline (e.g. economics, engineering, applied statistics/operations research)
Familiarity with best practice tools and techniques relevant to credit risk portfolio management, e.g. decision tool engines
SAS and/or SQL skills
A strong commercial acumen and with good communication skills

Senior Credit Risk Analyst, Bank Resume Examples & Samples

Develop and maintain regularly scheduled credit risk reporting for use by bank management, parent organization, board committee and external organizations
Develop detailed analysis utilizing sophisticated analytical, financial modeling and statistical techniques to predict and evaluate risk in the loan portfolios
Perform modeling related to credit risk factors that affect portfolio performance such as delinquency, loss frequency and loss severity
Collaborate with business partners across the enterprise to balance new business volume while controlling losses
Responsible for analyzing and effectively communicating results to management (verbally and presentation)
Support scorecard development and ongoing modeling validation
Maintain and update as necessary the current data collection methods generally using Base SAS, SAS Enterprise Miner or other modeling software, Excel, Access, Adobe Acrobat, and PowerPoint files
Advanced degree in quantitative study such as Mathematics, Statistics, Finance, or Economics
3+ years of Banking and/or Risk Management experience
Proficient with Base SAS
5+ years of Banking and/or Risk Management experience, with emphasis on Retail Lending, and consumer product portfolios preferred
Proven ability to spot trends, develops strategies, and communicates level of risk
Demonstrated knowledge of credit risk models to include validation process and procedures
Under minimal supervision, performs complex work assignments and problem resolution
Demonstrated ability to work effectively across functions, businesses, divisions, and levels of management
Outstanding organizational and analytical skills
Proficient with Microsoft Office

Credit Risk Analyst Resume Examples & Samples

Accumulate and analyse the requirements of the Credit Risk management teams and carry out detailed analysis of said requirements
Guide existing members of the Risk analytics team in techniques for MIS and other reporting
The development of credit portfolio analysis and reporting solutions that compliment or develop on existing MI reporting
Understand the credit implications of the portfolio analysis and ensure that long term solutions are developed and adhered to in relation to the organisations ongoing reporting

Credit Risk Analyst HI / FI Resume Examples & Samples

University degree or international equivalent, preferably in accounting or finance related subjects
Strong analytical and problem solving skills as well as an ability to think critically and pay attention to detail
Computer proficiency required in Excel, Word; experience with Bloomberg or Bankscope is helpful; will learn numerous applications specific to the department
Proficient in Spanish
Proficient in Portuguese

Credit Risk Analyst Resume Examples & Samples

4 year degree required, Finance, Accounting or Business degree preferred
Ability to analyze and interpret credit reports
Positive attitude & team player
Strong judgment and decision making skills
Demonstrated sense of urgency/initiative
Latin America invoice reporting
Mexico reporting
Treasury projection reports
Computer proficiency – strong MS Office suite skills (Word, Excel, etc.), Internet, etc

100

Credit Risk Analyst Resume Examples & Samples

New transactions - assess counterparty risk; internal credit process
Portfolio management; monitor / manage credit risk - "avoid surprises"
Monitor general macro and competitive environment
At least 5-6 years experience in credit / equity analysis (in a given sector of expertise) taking a macro view of the sector as well as a micro view of an individual company / customer
Proven track record working in a fast paced, dynamic, service orientated environment
Knowledge of aviation sector and an ability to discuss the market dynamic and future shape of the airline sector per region would be advantageous
Broad understanding of aviation finance and lease transaction structures (operating leasing, sale and leaseback, commercial debt) desirable

101

Credit Risk Analyst Resume Examples & Samples

Interacting with various business units and other support functions (e.g. Legal, Compliance, Operations)
Providing recommendations to Credit Officers and managing live transactions, frequently under tight timeframes
Understanding business requirements of the portfolio, analyzing transactions in order to provide creative solutions to accommodate business within risk framework of the bank
Managing the front to back process for a new relationship – account opening, risk assessment, rating, limit setting, and legal documentation, proactively manage limit excesses and deal with related system issues
Maintaining a large volume of data and portfolio specific information
Managing the annual counterparty review process within accepted tolerances
Keeping abreast of developments affecting the creditworthiness of the portfolio, changes in the legal and regulatory environment

102

Credit Risk Analyst Resume Examples & Samples

Provide quantitative support to Risk related projects including model development and/or validation
Provide insights into model methodologies and approaches
Support QAS team in the Dublin office and throughout the EMEIA network
Review, analyse and assess model inputs and results
At least a Master’s degree in a quantitative discipline (e.g. Physics, Maths)
Experience in the development or validation of IRB and/or provision models
Working knowledge of SAS/SQL
Interpersonal skills with an ability to develop strong working relationships (internal and external)
Proven time-management skills
Excellent report writing skills is essential
Excellent communication skills with a proven ability to influence others and convey complex, technical ideas

103

Credit Risk Analyst Resume Examples & Samples

Further develop the Standadized methodology including both risk modelling aspects and business liaison aspects
Research, development and implementation for Standardized FRTB for DRC calculation and reporting approaches in a continuous improvement cycle that the team undertakes,contribute to the Bank’s delivery on major regulatory initiatives related to methodology
Take part in IRC methodology development
Regular interaction and visibility with a wide range of stakeholders across the Bank, particularly from Market Risk Management, Front Office, Reporting, IT and Regulatory Coordination

104

Cards Credit Risk Analyst Resume Examples & Samples

Analyze the portolfio trend an patterns, evaluate information from multiple sources in order to maintain potentially complex and dynamic work flows for managing risk in pro-active basis
Facilitating profitable growth of the Cards products in the cluster: evaluation of business proposals, communication of policy changes
Monitor and validate credit policies across program and customer lifecycle. Develop tracking standards and review actual results versus forecasts with full analyses of any variances
Identify new opportunities by constantly reevaluating old credit policies and processes. Design and execute tests that will enable future growth, strategy optimization, expense savings, or process enhancements
Ensure understanding of credit policies across the organization by conducting training for credit operations officers/ customer service/ sales/ etc
Ensuring compliance with Global Policy and relevant risk related regulations; ensuring compliance with local regulation. Ensure and prepare that the adequate infrastructure (scorecards, systems, validations, MIS etc) is in place to properly manage the portfolio
Apply in-depth disciplinary knowledge to contribute to the development of innovative techniques and the improvement of processes to enhance data accuracy
At least 1 years experience in cards policy or consumer risk management
Good understanding of risk management and business strategies/actions as well as credit Bureau data
Extensive understanding of the full credit life cycle with a particular focus on implementation and analytics
Good knowledge in SQL ,SAS is mandatory
Ability to manage self and projects effectively in a high pressure organization with multiple deadlines
Develops strong working relationships that foster cooperation and respect

105

Cards Credit Risk Analyst Resume Examples & Samples

The incumbent will manage all risk aspects of cards portfolio. Key dimensions include
Ensuring compliance with Global Policy and relevant risk related regulations; ensuring compliance with local regulation. Ensure and prepare that the adequate infrastructure (scorecards, systems, validations, MIS etc) is in place to properly manage the portfolio. Defining/enriching credit verification process/policy. Ensuring controls over implementation of policy
Masters or higher degree in analytical field and/or relevant work experience

106

Credit Risk Analyst Resume Examples & Samples

Broad understanding of risk management guidelines
Broad understanding of credit systems and any other ancillary credit-related systems
Working knowledge of key credit and operations systems data flows
Understanding of regulatory requirements relating to credit risk matters
Broad banking products knowledge
At least 4 years of banking or equivalent experience
University degree in a business related field
Working knowledge of French will be a definite advantage

107

Senior Credit Risk Analyst Resume Examples & Samples

BS/BA degree in math, finance, statistics required. Advanced degree is preferred
5+ years experience in the financial services industry: experience with credit cards, payments products, or other revolving products, or risk management experience in consumer credit or a credit scoring environment with proven analytical capabilities
Superior programming and PC skills (SAS, Cognos, SQL, Excel) with the ability to data mine across various platforms and data formats. Must have ability to mine and organize data, perform analysis, derive insights, draw conclusions, support and present findings
Experience in effectively interfacing with senior management, other staff, and line areas
Ability to formulate recommendations based on statistically valid analysis, and to review and process data to obtain information leading to actionable tasks
Accomplished self-starter who is inquisitive, and well-organized in thought and action

108

Credit Risk Analyst Resume Examples & Samples

Analyze recurring credit stress testing and portfolio reports for assigned portfolios as well as ad hoc credit risk analysis reports as requested by management
Analyze scenarios affecting the risk exposure of assigned portfolios to identify emerging credit risk trends including loan-level probability of default and loss given default
Analyze and document validation of the applicable models managed and used by Credit Quality as assigned, including credit stress test models and dual risk rating scorecards, according to required guidelines
Responsible for testing, validation and documentation, as needed, the quality of data entering credit systems and models in support of various Credit Quality teams as assigned
Develop documentation, review and testing of procedures affecting assigned portfolios and models
3-5 years of financial or risk-related analytical experience applicable to credit and loan portfolio risk assessment

109

Credit Risk Analyst Resume Examples & Samples

Join our Managed Funds Team within the Transaction Decision – HF/FI department of Credit Risk Control
Be responsible for the credit assessment, monitoring, control and transaction decision approval of UBS' counterparties, which encompass Banks, Broker Dealers, Insurance Companies, other Non-Bank Financial Institutions, Regulated Funds, Hedge Funds and Sovereign entities
Focus on Asset Managers acting for investment funds and pension schemes, and it has the potential to expand to cover other Financial Institutions (including Banks, Insurance companies and Hedge Funds)
Evaluate counterparty credit risk based on analysis of both quantitative and qualitative factors, including fundamental credit analysis, in order to recommend internal ratings and credit limits
Interact with counterparties to conduct due diligence and obtain relevant information to complete credit requests and clarify issues that may arise as to suitability and authority for different trading products
Assess counterparty exposure and evaluate transactional risks associated with various trading activities across Fixed Income, Equities and Foreign Exchange
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)
Monitor counterparty credit quality on an ongoing basis and provide support on daily tasks, including limit monitoring and excess management
Interact with Risk control Operations and Risk reporting teams to provide CRC inputs on front-to-back and/or risk reporting issues
Interact with various internal departments to resolve ongoing issues, e.g. Onboarding, Legal, Operations, Finance, Market Risk etc
Participate in global & regional sector / portfolio reviews or other regional & global projects
General understanding of the credit rating drivers of Funds and other Financial Institutions
Familiarity with derivatives and capital markets products and the transactional risks associated with them
Language skills [Italian, German or any other European language is desirable]

110

Senior Cards Credit Risk Analyst Resume Examples & Samples

At least 2 years experience in cards policy or consumer risk management
Strong understanding of risk management and business strategies/actions as well as credit Bureau data
Proficient in SQL ,SAS –Requires 3-5 years of experience in SAS. Mainframe experience and UNIX scripting is a plus

111

Credit Risk Analyst Resume Examples & Samples

At least 4 to 6 years of banking or related credit experience
Prior risk management experience including credit risk analysis or business case evaluation is a plus. This role is open to relationship managers who are keen to move to pure credit analysis role
Strong communication and presentation skills in English and Mandarin
Strong Excel, Word and PowerPoint skills
Ability to work under pressure and to work in a team based environment

112

Credit Risk Analyst Resume Examples & Samples

Assist in achieving the team's objective in delivering new ERC reporting framework for Counterparty Credit Risk element
Review & reconcile new ERC results with the existing ERC process
Support the project work with any ad hoc analysis

113

Credit Risk Analyst Resume Examples & Samples

Analyze, track and report credit data trends/performance to determine and manage card portfolio risk levels
Specifically, develop and implement credit line management strategies with objectives of enhancing revenues and mitigating losses
Develop and implement credit collection strategies to mitigate losses
Develop and implement credit fraud mitigation strategies
Develop portfolio loss and portfolio delinquency reports/dashboards
Develop forbearance program performance reports/dashboards
Develop production reports/dashboards
Coordinate with partners to help implement projects that will improve the overall health of the portfolio
Conduct simple to complex analysis to assess the impact of internal process changes and exogenous changes
Analyze data to provide the basis for strategy deployment
Work closely with the internal modeling and scorecard building team to implement scores and other attributes that have been validated by them
Develop forecasting models
10-15% domestic or international travel, fully reimbursed
Occasional telecommuting permitted
Bachelor’s degree or foreign equivalent in Statistics, Mathematics, Economics, Business, Finance, Computer Science, or related
Two years of experience as a Business Intelligence Analyst, Sr. Risk Analyst, Quantitative Analyst, Business Analyst, Reporting Analyst, Marketing Analyst, Programmer, or related occupation
Must have prior work experience in the following
Loss and delinquency forecasting methods and model development
Risk segmentation tools such as Triad, ACS and Probe
Data analyses using SAS and MS Excel to infer trends for building scoring and forecasting models; and,
Credit card processing systems such as First Data, TSYS, or other proprietary systems

114

Credit Risk Analyst Resume Examples & Samples

University degree in accounting, financial, or quantitative discipline
Advanced degree, or risk management designation obtained or in progress is an asset
At least 2 years experience with financial products, preferably in risk management, product control or finance area
Ability to produce sophisticated reports in Excel format, including working with macros, is essential
Pragmatic, delivery-oriented attitude

115

Credit Risk Analyst Resume Examples & Samples

You will have at least 7 years of credit analysis experience in the financial services industry ideally with experience on China SMEs/Corporates
Sound credit research skills
Corporate focus - loan / derivative experience essential
Strong credit analysis skills and knowledge about corps in Asia Pacific needed
Familiar with loan and derivative documents (ISDA/CSA/NAFMII)
Strong communication skills in English and native level Mandarin language
Good team player with strong initiative and appetite to learn in a fast-paced environment

116

Credit Risk Analyst Wealth Management Resume Examples & Samples

Join our Lombard Team within the Transaction Decision – Lombard department of Credit Risk Control
Be responsible for the credit assessment, credit recommendation and monitoring of UBS' Wealth Management counterparties which encompass Private Individuals, their Investment Vehicles and privately held Operating Companies
Identify and quantify credit risks and implement measures aimed at managing collateral close-out risk
Prepare written credit proposals / credit reviews for submission and presentation to Credit Officers, providing assessment on counterparties, appropriate credit limits and quality of collateral
Draw conclusions from credit assessments and recommend transactions within risk tolerance
Interact with Client Advisors to conduct credit due diligence and obtain relevant information to complete credit requests and clarify issues that may arise as to suitability and appropriateness
Assess counterparty exposure and evaluate transactional risks associated with various investment/trading activities across Fixed Income, Equities and Foreign Exchange
Assist the Credit Officers in the portfolio analysis and on-going monitoring of various risk reports (e.g. stress reports, collateral concentration reports incl. single stock and bulk risk)
Monitor credit exposure and collateral quality on an ongoing basis and provide support on daily tasks, including limit monitoring and shortfall management
Interact with various internal departments (e.g. Legal, Investment Products & Services, Risk Control Operations etc.)
Participate in regional & global projects

117

Counterparty Credit Risk-analyst Resume Examples & Samples

Work with one of Japan's largest portfolios of corporate counterparties, building strong relationships and maintaining the integrity of our business portfolio
Analysing the chances of default from counterparties
Assigning internal ratings to all of the bank's counterparties
Making approval on credit limits
Managing the Bank's credit exposures
More senior candidates will be given the authority to approve credit limits, up to a level depending on seniority and experience
Oversee the setting of credit terms in contracts and define margin requirements
Knowledge and experience of financial analysis
For Associate and above, experience working within Credit Risk, either in banks, trading companies, accounting firms or credit rating agencies
Risk Management mindset
Knowledge of Derivative Trading
Experience of Credit Risk for Corporate Clients

118

Credit Risk Analyst Resume Examples & Samples

Join our Hedge Funds Team within the Transaction Decisions – HF/FI department of Credit Risk Control
Prepare written counterparty annual reviews/credit proposals for submission and presentation to management providing recommendations on appropriate trading limits and guidelines and drawing conclusions related to credit assessment and risk tolerance
Provide support on daily tasks, including limit monitoring and excess management. Interact with various internal departments to resolve ongoing issues
Participate in negotiations of trading documentation. Evaluate transactional risks associated with various trading activities across Fixed Income, Equities and Foreign Exchange
Work independently on ad hoc projects
Experience with data management and analysis
Familiarity with OTC trading and/or securities financing products and the transactional risks associated with them

119

Credit Risk Analyst Resume Examples & Samples

Join our Managed Funds Team within the Transaction Decisions – HF/FI department of Credit Risk Control
Focus on Asset Managers acting for investment funds and pension schemes
Provide support for team members in their day-to-day responsibilities on the portfolio, as may be required
VBA and SQL programming would be an asset

120

Credit Risk Analyst Resume Examples & Samples

Preference for
Proficiency in SAS and Access and ideally in at least one of the following statistical/numerical software: Matlab, SQL, VBA
Relationship management and Project management skills
Capacity to cope with a high degree of ambiguity and change

121

Credit Risk Analyst Resume Examples & Samples

Minimum of 5 to 8 years' relevant experience gained in Banks credit analysis
Geographical focus in at least two of these countries: Europe, UK, Swiss, Turkey and CEE. Emerging Markets exposure advantageous, but not required
Sound banking products knowledge (FM, TB, lending etc)
ISDA/CSA experience
Strong analytical ability, focused on the assessment and calibration of credit risk
Graduates / Graduate calibre
Sound knowledge of accounting and financial principles gained by experience or qualification
MBA or CFA qualifications advantageous, but not required
Relevant language skills advantageous, but not required

122

Credit Risk Analyst Resume Examples & Samples

Wells Fargo is hiring for a similar permanent role in parallel with a start date of 3 Oct 2016 which the successful applicant will be invited to apply for
The role will be responsible for risk assessing CDF France dealers and assessing the on-going risk profile of existing exposure, including annual reviews of existing credit lines
The role will work closely with Sales Operations Analysts based in France who will support in the collation and presentation of data to allow this role to conduct analysis, assessment and make recommendations and execute on deal approvals
The Underwriter will have their own lending authority and will be required to make written recommendations to management for those deals above their own lending authority
Assessing credit risk profile of France based dealer transactions and approving or recommending those transactions are an appropriate investment decision for CDF in compliance with CDF strikezone /
0 /
This will include new transactions, annual review of existing transactions (>$500m line size) and change requests on existing France based credit lines
Working collaboratively with French based Sales Operations analysts to ensure data is collated and presented to allow for effective analysis and application of judgment and opinion within UK
Analysis will include reviewing and analysing financial and non-financial information in collaboration with all stakeholders to prepare a credit pitch document to a high standard to achieve right/first time approvals. This will include adequate assessment and mitigation of key transaction risks
The role will decision deals referred from the businesses Auto Decisioning systems
The Credit Analyst will be accountable for recommending and establishing appropriate PD, LGD and Risk Asset Classification Ratings for the transaction, utilizing approved models
The Credit Analyst at all times should operate in compliance with CDFs risk appetite and at all times dealer transactions should be compliant with the Vendor programs to which they relate
Adherence to Credit Risk Policies and Procedures in executing on above responsibilities including strict adherence to delegated investment authorities
Execution of all AML/CDD screening in compliance with such policies and procedures to ensure appropriate screening of any transaction before any commitment established. Escalation and cooperation with 2nd line compliance team as appropriate
Responsible for ensuring all approval conditions are satisfied, finance and other legal documents are appropriately executed and a closing memo is prepared confirming the transaction is eligible for funding
Credit experience in inventory floor plan finance or experience in underwriting secured credit facilities
Fluent French Language speaker with understanding of French legal environment with respect to factoring and/or title over inventory
Competency in preparing and pitching credit presentations to management
Ability to identify risks and where available mitigants to those risks
Strong inter personal skills – ability to establish professional working relationship with Commercial colleagues whilst maintaining clear independence in decision making
Defines success through the customer’s eyes; In tune with industry dynamics…sees around corners
Seeks simple solutions to complex problems…decisive; Focus…communicates clear + consistent priorities
Generates new and creative ideas…open to change; Resourceful…displays courage & tenacity
Teamwork…respects other’s ideas + contributions; Creates excitement and drives engagement
Domain depth…credibility built from experience; Continuously develops self…loves learning
Proficient in MS Office Suite (Word, Excel, PowerPoint) programs
Underwriting experience
Able to work under tight schedules and consistently meet objectives/targets
Readily able to adapt to using business tools to support role e.g. Siebel, Business Objects
Good communication skill to interface with various internal functions and externally at a senior level
Strong fluency in English
Strong team player/self-motivated

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Credit Risk Analyst Resume Examples & Samples

To prepare annual and interim credit analyses for clients in Citi Turkey portfolio
To assure timely submission of credit analyses and to increase quality of credit work by solving problems that arises during the preparation in a practical & logical manner
To recommend proactive credit strategies (Hold, Increase, Decrease, Exit) for existing customers based on the changes in their creditworthiness
Having minimum 2-5 years of experience in banking, preferably with credit analysis
Strong analytical and risk assessment skills
Must be a business facilitator as well as being responsible for keeping the risk process prudent

124

CIB Bacc-wholesale Credit Risk-analyst Resume Examples & Samples

BA / BS degree required
Candidates should have some accounting and corporate finance coursework, experience in a Credit Risk role is a plus
Thoughtful analytical skills; able to develop, and clearly present drawn conclusions and potential solutions
Disciplined approach to managing processes and controls
Self-starter and team player with a positive attitude and willingness to engage and participate

125

Credit Risk Analyst Resume Examples & Samples

The Credit Risk Associate will be based in Kuala Lumpur with primary responsibility for managing designated clients in the Malaysian Credit Portfolio
The Credit Risk Associate will work closely with the primary Credit Risk Officer and Investment and Corporate Banking business units to manage and own the Client Credit Relationship
Responsibilities include financial analysis, modeling, project management, Portfolio and Credit Reviews
The Credit Risk Associate will be required to work on Loan and ISDA documentation and negotiation - working closely with the primary Credit Risk Officer and internal/external legal team
Post-closing, the incumbent will be responsible for preparing regular credit and portfolio reviews, including monitoring of covenants and borrower undertakings, timely and accurately update of credit lines, tracking of excess and resolving exceptions
Minimum of 5 years of experience in a Corporate Banking / Credit role, managing a portfolio of Malaysian clients (GLCs, large caps and FIs)
Possesses a solid understanding of corporate and investment banking financial products and market dynamics
Possesses strong quantitative ability in analyzing and interpreting financial statements, draws well-thought out conclusions from analysis, and is Credit trained
Knowledge/experience of derivative products and documentation (including ISDA and CSA) is preferred but not essential
Knowledge in loan structuring and documentation including trade finance / cash management is essential
Proactive and ability to work independently and deliver in a timely and accurate manner
Highly organized, motivated and hard working
At least a Degree in Business, Finance, Accounting, Mathematics and/or Economics
Preferably with a Master's Degree with Major in Business, Finance, Accounting, Mathematics and/or Economics
PCC (Professional Credit Certification) and/or Chartered Financial Analyst Level 1 or above a definite plus

126

Counterparty Credit Risk Analyst Resume Examples & Samples

Follow up on action items and production issues identifies by EMCRC on current more complex model framework, Assist in the diagnosis and remediation of these issues for CGML capital calculation. Working alongside the Trading Book Data Analytics team in London and facilitate and enhance the process to fix the production issues
Provide infrastructure support for Regulatory Basel Capital related projects for both CGML and US consolidated book. Proactively participate counterparty credit risk model implementation projects
Monitor on-going model performance for new IMM models, especially FOI models for rates and credit products, Investigate model related performance issues
Coordinate with technology support staff, risk architecture and regulatory capital risk managers to conduct impact analysis for new model implementation, model enhancement to assess capital impact, this impact is a critical information needed for internal capital planning and external communication to regulators, e.g. PRA
Actively support internal risk management process through CCR exposure calculation on structured derivative products across all the market/asset classes
Extensive years in a quantitative role in financial/consulting services with good understanding of derivatives' risk/modelling/pricing
Product knowledge of a wide range of derivative structures of different asset classes (e.g. FI, Eqty, cmdty, FX, Credit)
Masters or PhD in a quantitative discipline

127

Credit Risk Analyst Resume Examples & Samples

Experience in credit risk reporting and analytics
Proven team and relationship building skills
Strong understanding in mortgage and commercial portfolio risk
Undergraduate degree in one of the following: Actuarial Science, Finance, Economics, Commerce, Mathematics or Statistical related disciplines
Proven track record of understanding and knowledge within the financial services industry/risk management disciplines

128

Credit Risk Analyst Resume Examples & Samples

Obtain latest fiscal year-end and interim financial statements and other relevant information on customers
Conduct review and analysis of industry sector in which the counterparty operates
Determine credit limits, deal structures including adequate credit support and communicate to the Credit Supervisor and Global Credit Manager
Monitor daily exposure and report any over-limits to the Credit Supervisor
Propose and discuss adequate credit support with the Credit Supervisor - Singapore in order to reduce Cargill’s exposure with customer in over-limits
Provide support of other credit colleagues when needed (i.e.: Margining Analyst, etc.)

129

Senior Credit Risk Analyst Resume Examples & Samples

Analyze income statement, cash flow, and balance sheets of counterparties
Actively interact with other members of the customer deal team in determining solutions that meet customer needs
Provide surveillance of all counterparties in the assigned portfolio and notify the Credit Supervisor of any significant deterioration in customer credit profile or MTM exposure changes

130

Senior Credit / Risk Analyst Resume Examples & Samples

Performs credit analysis activities for mainly Medium and Large Corporates,
Evaluating financial position and credit worthiness, for prospective and existing commercial/merchant/portfolio accounts,
Focusing on Insolvency,
Reviews credit history to assess credit worthiness of new prospective clients
Investigations include the gathering of data from various sources & systems and interpreting the data
The analyst must also be able to communicate effectively and professionally with Law Enforcement, Visa, MasterCard, Attorneys, Merchant Business Owners, and credit card customers who make purchases at our clients business

131

Senior Credit / Risk Analyst Resume Examples & Samples

Analyse a variety of supplementary information and data contained in the merchant application, (e.g. financial accounts, acquirer statements, credit bureau reports, bank-references, web-site information incl. terms and conditions). Calculate potential exposure using application data and FDMS Risk calculation model. Analyse financial statements, balance sheets, etc Ensure adherence to agreed SLA’s. Escalate any issue that may result in a breach of agreed Policy/SLA’s. Liaise and promote/maintain good working relationships with other risk and operations teams. Liaise with merchants, sales-agents, bank relationship managers and client-bank where necessary. Develop an understanding of job content, systems and operational procedures of the other Risk teams. Produce management reporting packs (MI) as required – ensure integrity, reliability and timeliness. Identify process improvements and streamlining opportunities whilst maintaining high level of consistency with FDC standards. Maintain integrity and reliability of function-related systems. Monitor and provide data for Underwriting MIS
Assist in defining and documenting the Local Business Credit Risk Policy Manual Ensure that processes and procedures adhere to local legislation (legal and compliance impacts) and Credit Risk Policies Manual. Assist in identifying and document business processes and procedures. Assist in defining and putting in place controls to verify adherence of periodic review processes to the agreed policies/SLA’s. Assist in managing project deliverables Assist in all activities related to MIS & Scoring Assist in collating financial / other commercial information in relation to the Periodic Review activity Operate in the capacity of a Credit Officer with signing authority delegation of up to £500,000
Assist the UK Fraud Team (where required) in managing potential fraud cases that are referred/escalated for local management assistance. This activity will require contact with local authorities, merchants, card schemes, site visits, analysis of documentation, etc. Interact with Operations Teams, Sales Teams and Bank branches for the resolution of the day to day activities Work system generated alerts (batch and online). Act in accordance to agreed internal policies. Adhere to Schemes related requirements Identify and report any suspicious activity as per AML requirements

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Credit Risk Analyst Resume Examples & Samples

Collection and control of risk data (ensure the quality and integrity of the data used or enriched by the team)
Data quality reporting
Involvement in IT development projects & sourcing projects (User request, Testing)
Education – Bachelor’s degree in Business, Management or any other related areas
Professional or Academic internships inside an audit, risk or a finance department in a Banking or Finance environment will be valued
Excellent communication and coordination skills (oral & written)
Willing to learn all about Prudential and Regulatory environments, to explore new banking environments and to work with international locations
Solid adaptation skills and positive team spirit,
Proficient in Microsoft Office Suite (Excel, PowerPoint, Word); Knowledge about Access or Business Objects / Cognos tools is a plus
Language (oral & written skills) – English (B2 Level, CECRL certificate) is mandatory; French (B1 -B2 Level, CECRL certificate) is a plus
Availability – Up to 2 months of training abroad

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Credit Risk Analyst Resume Examples & Samples

3 or more years of experience in credit or financial analysis activities
Thorough knowledge regarding the application of credit risk, financial and statistical analysis techniques
Thorough knowledge of database programming languages

134

Credit Risk Analyst Resume Examples & Samples

Establishes enterprise credit governance, risk and control strategies and practices
Provides oversight and independent challenge to the business line through review, inquiry and discussion
Develops and communicates credit governance, risk and control policies
Provides training, tools and advice to support the business line in carrying out its accountabilities
Monitors and reports on compliance with risk appetite and policies
Analyzes the portfolio and existing reporting to identify emerging and key risk trends. Independently determines what constitutes an emerging risk trend based on knowledge of the portfolio, industry and general macroeconomic environment
Provides guidance to more junior Credit Risk Analysts. May have direct responsibility for leading a team of Credit Risk Analysts and participate in the performance review process
Manages multiple projects and analyses and ensures deadlines are met. Participates in cross-functional projects that involve working with business line peers and/or other corporate supporting groups. Cross-functional work may include developing reporting cooperatively with the respective business line (overrides, strategy assessment, etc.)
Bachelor’s or Master’s degree in business, accounting, computer science, economics, finance or statistics, or equivalent work experience
Five to Eight years of credit risk management experience
Proficient in programming and data manipulation using SQL, SAS, or Excel
Previous experience working on a credit card portfolio in both an origination and account management capacity
Previous experience working on a small business or corporate liability lending portfolio
Effective verbal, interpersonal and written communication, presentation, organizational and prioritization skills
PC proficiency utilizing a variety of software packages including the Microsoft Word, Excel, Powerpoint, etc
Experience using key statistical techniques predictive modeling, logistic regression, survival analysis, design of experiments, decision trees, data mining methods, and other advanced statistical techniques

135

Credit Risk Analyst Resume Examples & Samples

Bachelor's degree, or equivalent work experience, preferably in accounting, business, or finance
Five or more years of business experience, preferably in a financial reporting environment
Must have experience in one or more of the following SAS, SQL or Access
Excellent computer skills, including Microsoft Office, specifically proficient in Excel, Access and PowerPoint
Knowledge of SAS and SQL
Knowledge of wholesale loan systems, including AFS and LIQ, along with commercial real estate

136

Credit Risk Analyst Resume Examples & Samples

Bachelor’s degree in business, accounting, computer science, finance and or statistics, or equivalent work experience
Three to Five years of experience in credit risk management, credit analysis or reporting
Intermediate user of SAS; other related programs a plus: SQL, Access, etc
Familiarity with commercial credit underwriting/risk
Ability to find trends or outliers in data sets and make recommendations based on the data
Effective report writing skills

137

Credit Risk Analyst Resume Examples & Samples

Bachelor’s degree in business, economics, statistics, finance, accounting, computer science, or Associate’s degree with equivalent work experience
At least two to three years of experience in data analysis activities, preferably in credit matters
Effective writing skills – ability to succinctly summarize results of data analysis
Experience working with and interpreting data
SAS experience strongly preferred, intermediate or advanced Microsoft Excel skills
Basic knowledge of credit risk, financial and statistical analysis
Knowledge of, or exposure to Commercial Lending preferred but not required
Basic knowledge of credit administration policies and procedures, and regulatory compliance
Technical skills with an understanding of large database development and maintenance

138

Servicing Credit Risk Analyst Resume Examples & Samples

5 years of Mortgage experience ; preferably 2 years’ experience working with policy or Investor requirements and with FHA/HUD preferred but not required
3 years of experience in Servicing required
Comprehensive understanding of investor guidelines and risk management
Exceptional interpersonal, presentation and communication skills, both written and verbal
Strategic and creative thinker with the ability to self manage and drive to results, and transform the current state
Strong project and resource management skills
Ability to effectively communicate issues and recommendations persuasively to key stakeholders across all levels and business units, including leadership
Manage initiatives to aggressive timeframes and ensure high quality results are delivered on time
Significant research and analytical skills including the ability to coalesce disparate information
Process mapping and problem solving skills
Comfortable in rapidly changing, high sense of urgency type environments
Able to facilitate and drive change in a fast paced and “ever changing” environment leveraging his/her strong interpersonal and influencing skills
Ability to navigate multiple systems throughout Servicing to ensure independent validation
Proficiency in word and excel required
Visio/process mapping experience preferred
Proficiency with Mortgage Servicing Platforms (e.g. Black Knight, LPS, etc.) preferred

139

Credit Risk Analyst Resume Examples & Samples

Full ownership of high risk or high profile accounts by way of carrying out annual risk assessment of creditworthiness based on financial analysis of statutory accounts, MI and manufacturer composites
Discuss with customers their annual credit limit requirements and respond to requests for adhoc and seasonal credit limit amendments
Ensure lending reviews are submitted within the agreed timescales, and proactively ensure audited accounts are received and analysed on time
Liaise with solicitors to ensure legal contracts and security are completed in a timely and efficient manner
Actively attend customer visits with the dept Credit Manager to build dealer relationships and ascertain dealer risks
Respond appropriately & quickly to problems such as unpaid debits or poor stock audits, decide what action needs to be taken to avoid or minimise any possible loss
Maintain and control processes for high-risk customers
Where customers are terminated due to planned or hostile events, ensure the customer is closed and wound down correctly
Actively assist the Credit Manager with the underwriting and setting up of new customers, liaising with colleagues and attending Franchising meetings
Be commercially aware of all things effecting wholesale dept and be involved in various projects. Broaden knowledge to understand wider business issues
An experienced analyst with at least 5 years exposure in underwriting facilities in excess of £5m through a bank or other financial institution
Able to demonstrate a sound working knowledge of lending principles and underwriting methodology
Ability to read and interpret financial accounts, bringing together a number of sources of information to make assessments of business performance, with strong numeracy skills
Is able to exercise sound, balanced decision making under pressure and in the face of challenge, with good customer empathy taking a customer centric stance and ensuring customer satisfaction

140

Structured Credit Risk Analyst Resume Examples & Samples

Analysis of funding and collateral risks related to the Structured Finance business and Repo desks. Primary focus will be on US ABS, RMBS, CMBS, CLOs and US corporate loans/bonds
Keep management abreast of market developments in the structured credit and corporate lending space and highlight any significant portfolio risks including concentration and liquidity
Assess individual transactions and new strategies/products against risk appetite
Participate in projects to further enhance the collateral risk control framework and assist with approvals of new products/strategies
Close interaction with many stakeholders in various locations globally, such as Trading, Structuring, Business Management, Credit Risk Control, Product Control, IT and others
Master's degree in Mathematics/Natural Science/Finance/Economics or similar discipline; relevant working experience in a front office or risk role preferred
Strong interest in capital markets and knowledge of US structured credit (ABS, RMBS, CMBS, CLOs) and/or corporate- and direct lending markets
Knowledge of market- and credit risk exposure measurement, including VaR- and Stress a plus
Self-motivated and able to work effectively both independently and as a member of a team of risk professionals. Strong interpersonal skills and good communicator
Must know structured credit and market risk

141

Credit Risk Analyst Resume Examples & Samples

Work as a ‘Business Partner’ with finance, accounting, business operations and senior management across regions and systems, Oracle / SAP - submitting and obtaining approval for all credit limits and managing the release of all credit-blocked orders
Ensure full portfolio is compliant to Credit Policy and meets internal controls, Sarbanes Oxley & audit requirements. Ensure all customer master data in the area of credit management is accurate and up to date
Conduct creditworthiness checks on new & existing customers utilising risk skills supported by 3rd party credit agencies
Provide professional risk recommendations to management for new and existing customers based on available information. Manage and monitor end-to-end decision making process to ensure alignment to customer (internal/external) expectations
Provide analysis, recommendations and decisions on credit–blocked orders utilising the EMEA Credit Policy and take appropriate actions / notify and discuss with relevant stakeholders
Negotiate acceptable solutions and credit risk mitigation actions with stakeholders where required. Ensure risk escalation process is followed, informing senior EMEA management as necessary
Support standard Credit Management KPI’s in conjunction with the collection teams. Achieve and exceed Past Due, Collections Efficiency and DSO goals
Ensure integrity of customer terms across the region and recommend/drive standardization of terms across divisions where required
Assist Credit Supervisor and Credit Manager EMEA with periodic or ad hoc financial reports and assisting with Atradius Credit Insurance reporting
At least 4 years’ experience in a European risk role
Proven Track record in achieving and exceeding goals/targets essential
Possess a sound understanding of corporate credit risk analysis and has the ability to learn and adapt to new requirements
Proven skills to understand and analyse business financials (Balance Sheet / Profit & Loss)
Can analyse, interpret & relate data / calculate summary credit ratios / understand & balance credit risk vs. drive for sales
Proven experience of credit risk issues that affect a customer’s ability to pay on time
Proven experience of credit management processes
Can manage own time / priorities and has ability to work well and be highly organized under pressure
Skilled at managing multiple tasks within demanding timelines
Excellent decision making skills and knows when to escalate at the correct times
Advanced understanding of the Order to cash process
Advanced negotiating skills to drive resolutions
Advanced reconciliation and problem solving skills
Strong customer focus and service delivery
Ability to provide accurate data and proven experience in ability to influence recipients in relation to content
Intermediate to advanced Excel skills required
Advanced process improvement experience, always looking for opportunities to refine the way we do things
Excellent business English (the working language of this position)

142

Credit / Risk Analyst Resume Examples & Samples

Perform credit analysis and underwriting activities for prospective commercial accounts using credit evaluation guidelines
Assess fraud and credit risk exposure
Review financial statements and credit reports (business and personal) to assess the credit worthiness of prospective clients
Prepare underwriting documents for management review on accounts exceeding standard risk thresholds
Negotiate collateral and/or other risk mitigation instruments as needed
Interface regularly with Alliance Bank partners
Coordinate risk assessment and mitigation efforts with other areas of the business such as Sales, Compliance, Legal, Operations, Client Services, etc…
This position requires one to exercise discretion and independent judgment in making decisions and interact effectively and positively with all levels of personnel, partners, and vendors

143

Fundamental Credit Risk Analyst Resume Examples & Samples

Validate risk ratings by analyzing financial statements to determine accuracy of inputs to the Risk Rating Model and compliance to applicable Credit Policies
Identify and analyze situations that create risk for Citi, utilizing various resources such as credit reports, score cards, risk systems, and knowledge of the elements of Risk
Use tools and techniques to effectively identify and assess trends and risks
Communicate findings of analysis to Lead Reviewers
Mentor junior analysts and coordinate workflow
For an assigned portfolio of entities of medium to high complexity, support Lead Reviewers and regional teams with Business Monitoring and Review activities (Planning, Fieldwork, and Post Fieldwork) including
5+ years work experience in Banking, Finance, Accounting, Economics, Business Administration or similar with Credit or financial statement analysis experience
Formal credit training or understanding of financial accounting standards (international and/or domestic) is beneficial
Knowledge of Citi’s organization and systems preferred
Intermediate to advanced proficiency in Microsoft Office (Excel, Power Point, Access, Word, Visio, etc.); Visual Basic experience is a plus
Strong written and verbal communication skills - ability to express and communicate concisely and clearly with various levels of management
Language skills a plus (Spanish, Portuguese, Mandarin, Korean)

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Credit Risk Analyst Resume Examples & Samples

Proficient with MS PowerPoint, Excel and SharePoint
Mortgage banking background a plus; specifically underwriting and quality control
Able to interview a subject-matter-expert and/or take complicated concepts and distill that info into understandable and relatable words, phrases, and graphics
Comfortable with public speaking
Planning & Project Management (nothing hard core but each presentation is like a mini-project and we’re always planning 2-3 months out, sometimes even more)
Familiarity with WebEx and Articulate (recorded tutorials) is a plus
Continually seeks ways to improve output
Thrives in a changing and creative environment

145

Credit Risk Analyst Resume Examples & Samples

Conduct credit analyses using advanced methods and tools of aggregated data provided by lenders, clients of the organization, or other sources of data
Develop model approaches to new credit enhancement and risk sharing agreements. Work with business unit management to determine appropriate strategies for entering new mortgage markets with high model uncertainty
4 + years of related experience
Highly analytical with the ability to identify key data points from both external and internal reporting
Able to effectively communicate at the executive level with our key customers
Ability to generate effective reports drawing from multiple sites into Excel and PowerPoint
Effective managing multiple tasks and priorities simultaneously
Strong QC and/or Operations/Underwriting background

146

Multifamily Credit Risk Analyst Resume Examples & Samples

Appropriately references the Multifamily Seller Servicer Guide (MSSG) policies, uses and applications
Support non-routine project-based work including regulatory and internal audit activities
Maintain Fannie Mae training schedule. Actively focus upon personal development aligned with Fannie Mae leadership criteria for associates and in context of business unit goals. Position requires sharing information within team to facilitate business objectives
Knowledge of Multifamily Credit Underwriting terms and related applicability to asset management practices
Analytical, ability to perform analysis and identify issues and gaps
General systems, data access knowledge

147

MF Credit Risk Analyst Resume Examples & Samples

Analyze Multifamily portfolio data, counterparties, markets, loan terms, financial statements, cash flows and loss calculations. Identify trends and draw reasonable conclusions from examination of data and other sources of information
Ability to navigate multiple systems, manage data and create reports. Ensure data quality and integrity. Independently resolve issues to mitigate risk. Improve processes to monitor and communicate credit risk
Knowledge of Multifamily property insurance requirements to ensure lender's compliance with Multifamily insurance processes and standards
Analytical: capacity to assess, respond to routine and complex insurance waiver requests for post purchase loans, identify property risks, controls and mitigants
Communication: Apply technical understanding of insurance principles, underwriting, and legal requirements to address insurance issues with customers
Training skills to ensure all stakeholders remain current on specific insurance requirements/ policy changes
Manage ongoing risk activities related to performing loans; annual assessment of lender insurance compliance including a detailed review of selected loan files
Candidate tasks may vary from managing minor questions to performing a complex risk analysis that requires strong technical insurance and analytical skills

148

Credit Risk Analyst Resume Examples & Samples

Examine risk elements of proposed policies, strategies or existing relationships with servicers and make recommendations to management
Collaborate with the business to ensure effective risk management and identification of new and emerging risks
Monitor and review servicing and real estate management policies, as well as changes and exceptions to the policies
Conduct credit analyses using standard and more advanced methods and tools of aggregated data provided by seller/servicers, clients of the organization, or other sources of data
Experience in SF mortgage business, credit risk management, servicing, loss mitigation, real estate asset management
Working knowledge of selling, servicing or real estate asset management policies
Ability to monitor and review credit risk related analytics and trends
Demonstrated process improvement and risk management skills are required
Skilled in effectively partnering/collaborating with internal constituencies and strong interpersonal skills
Effective presentation skills and ability to develop management reports with proficiency using Word, Power Point and Excel
Must be a highly motivated self-starter who can effectively contribute to a team atmosphere
Ability to set priorities, meet tight deadlines and deliver high quality results

149

Credit Risk Analyst Resume Examples & Samples

Conduct credit analyses using standard methods and tools of aggregated data provided by lenders, clients of the organization, or other sources of data
Examine empirical data showing consequences of variations made to standard credit policy such as credit variances or credit enhancements to see if variations had acceptable results
Prepare reports or analyses for managers or for larger groups with findings and recommendations
May attend meetings with clients or users of the organization's software products to gather information pertinent to making credit assessments or ratings
Ability to manage large amounts of data and identify trends
Ability to effectively manage multiple projects, tasks, assignments
Ability to operate independently and is a self-starter
Have a strong sense of urgency about solving problems, meeting deadlines and achieving critical goals all with an attention to detail
Possess excellent problem solving, decision making and organizational skills

150

Credit Risk Analyst Resume Examples & Samples

Accounting/ financial and computer knowledge
Effectively engage with senior-level executives (internal & external)
Influence key stakeholders (internal & external) to achieve business results
Operate independently and in ambiguous situations while moving work forward
Produce high quality and accurate work products
Plan/prioritize work for level of complexity, level of impact, and cross-functional implications
Bring work to “closure” by or in advance of required deadlines
Synthesize complex information in an efficient and clear manner
Make strategic based decisions instead of optimizing a single aspect of an issue
Be highly effective in all forms of communication (written & verbal)

151

Credit Risk Analyst Resume Examples & Samples

Initiate timely Pricing reviews on relevant customers
Produce and analyse data to price new accounts
Conduct some project work and/or other miscellaneous tasks as requested by the Senior Strategic Pricing Analyst
Review new & existing accounts against the agreed pricing parameters
To act in accordance with the Pricing Hierarchies and the product service level agreements
The maintenance, analysis & monitoring of a portfolio of subscribers within allocated Industry sectors
From time to time there may be a requirement to accompany Sales /Account Managers to Customer visits
Review applications and credit limit increase requests for account card products
Credit report reviewing as part of the decision making process
Assist in the growth of the department with the development of new Risk management processes / procedures as well as new reporting / analytical techniques
GCSE Maths and English, Grade C and above
Proven experience of working directly with the client
Excellent Analytical, reporting writing, project planning and Communication skills
The ability to organise and prioritise projects to meet deadlines
Good working knowledge of Microsoft Access & Excel
Good working knowledge of Payment Services’ products and systems is desirable along with knowledge of the Risk and Collections functions
Experience of manipulating and reporting on large datasets
Knowledge of SQL is desirable

152

Credit Risk Analyst Resume Examples & Samples

Economics, Business Management, Finance, or Statistics background (Graduate or Undergraduate)
Technical aptitude (MS Office)
Verbal and written communication –
Excellent oral and written communication as well as experience preparing a deck and presenting information to different audiences
Detailed oriented / organization skills
Ability to manage multiple projects, tasks, assignments with flawless execution
Self-starter / hard worker / Ability to operate independently
Excellent problem-solving, decision-making, attention to detail, and organization skills
A strong sense of urgency about solving problems, meeting challenging deadlines, and achieving critical goals

153

Senior Credit Risk Analyst Resume Examples & Samples

MBA or Master’s Degree in Finance, Economics, Math, Statistic, Engineering or related quantitative field
Minimum 10 years’ experience in Consumer Risk Management
Demonstrated experience with managing/developing credit risk system infrastructure and related project management
Strong computer skills (SAS/SQL is preferred)
Strong English language communication skills (written and verbal)
Dedicated, team-oriented professional with the proven ability to prioritize and manage multiple high profile deliverables

154

Credit Risk Analyst Resume Examples & Samples

Assess the accuracy of multi-dimensional risk grades, financial statement spreads and other data used for determining risk grades
Perform 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
Test compliance to department and Bank standards and procedures
Establish and maintain processes and procedures to document findings
Provide monthly reports to management regarding quality control and other findings
Make recommendations to improve the risk management process
Bachelor's in business, finance, accounting or other related field
2+ years general commercial type lending in a banking environment or other directly related experience
Ability to propose recommendations and explain complex concepts
Solid interpersonal skills
Self-motivated, detail oriented, and results driven
Proficient with MS Office applications; Word, Excel, Outlook
Understanding of Moody's Risk Analyst, Tax Analysis or similar applications and multi-dimensional loan risk grading systems
Working knowledge of financial spread analysis and credit lending and analysis procedures and principles

155

CCB Risk-consumer Credit Risk, Analyst Resume Examples & Samples

Minimum of 2+ years experience with user acceptance testing with strong experience in manual testing, using testing tools such as AML, reviewing test cases, and the Waterfall test methodology
Experience creating Test Strategy and Test Planning documentation
Solid experience in SQL, MS Word, MS Excel (eg. pivots), MS PowerPoint and Visio is required. With a background in UNIX being a plus
Experience with large volume databases (Oracle, Teradata preferred), and batch processing environments is a plus
Experience with business rules engines is a plus
Experience with Credit Card processing is a plus
Strong communication, analytical, and problem-solving skills
Demonstrated ability to work as a team player; develop solutions to complex problems, thinking outside the box and recommending the best solution

156

Ccar & Credit Risk Analyst Resume Examples & Samples

Functions as a key contributor on the execution of project plans for both the Annual (CCAR/DFAST) Submission and the Spring (Mid-Cycle Stress Test) Submission
Production of Wholesale CCAR Workstream-related work including preparation of presentations and management updates on a weekly basis
Executes project management responsibilities including tracking progress on deliverables, coordinating weekly stakeholder calls to ensure project timelines are met, maintaining project plans and progress reporting, completing ad hoc requests from the Central CCAR team and tracking weekly requirements
Develops a system for maintaining department documentation supporting CCAR activities, reviewing sectional inputs from Workstream; contributing to review and edit process; overseeing work with external resources used, as needed
Review problem areas for data submission and help identify any errors in data submission process, reviewing with Wholesale team to develop corrective action plans on process improvement going forward
Makes recommendations regarding Workstream deliverables, balancing a need for action with a need for analysis
Key contributor at governance meetings (deep dives, product committees)
Drives communication strategy to ensure key messages are cascaded throughout the organization
Executes department strategy by developing approaches and/or processes to accomplish goals
Knowledgeable about Citi’s architecture including data, processes, systems / infrastructure and technology in order to identify opportunities for CCAR process improvements
Comprehensive understanding of industry best practice and regulatory expectations on model development. Fully understand SR11-7, and abreast with the latest CCAR guidelines and expectations
Familiarity with CCAR clearly a plus, but if not, sufficient expertise in managing a similar stress testing regime or proven ability to quickly come up to speed in managing a complex financial reporting process of comparable complexity to CCAR/DFAST
Exceptional writing skills, with ability to synthesize complex concepts, translate into "user-friendly" language, and creatively present in text or slide format
Strong time management skills with the ability to successfully handle competing priorities
Understanding of wholesale credit products including structures, industry mechanics, risks, and analytical tools is a plus
2+ years of experience with wholesale credit in either a lending, credit risk management, or loss forecasting/modelling role
Understanding of core risk and/or finance areas is a plus (e.g., pre-provision net revenue, credit risk, Basel II and Basel III, VaR, economic capital, stress testing, etc.)
Strong analytical skills with the ability to identify and communicate root causes and trends
Roll-up your sleeves tireless work ethic and someone who thrives in a fast-paced evolving environment
BA/BSc or higher in business, finance, or a related field

157

Credit Risk Analyst Resume Examples & Samples

Limit request origination & Financial analysis
Hold & release process - starting the daily Hold & Release process by gathering necessary information from the different systems, make sure to have up to date information from cash collections as well as provide a status update on the limit requirement
Alert process - perform a first review on received alerts providing customer information for the local Finance Shared Services analyst
Reporting - assist the Business Unit Counterparty risk leads in the preparation of month-end as well as ad hoc reporting
Data integrity - perform regular data integrity checks to make sure the approved limits are correctly reflected in the business systems
Risk mitigation - track validity of existing risk mitigation and trigger the review of risk mitigation close to the expiry date
Bachelor degree in finance or equal through experience
3 years of experience in a multinational and complex environment
Keen sense of priorities

158

Credit Risk Analyst Resume Examples & Samples

Manage CPS portfolio risk within existing banking relationships through review of customer accounts in order to identify and act on potential issues
Conduct credit analyses on existing bank relationships prior to making or recommending a credit decision
Works in conjunction with other divisions on credit approvals, related projects, and risk management initiatives
Conduct specialized analyses and prepares specialized reports on loan quality/portfolio quality and makes recommendations to management
Bachelor's degree in Finance or Accounting; or equivalent work experience
Three to five years of demonstrated experience in Commercial credit analysis, or corporate loan underwriting
Excellent analytical skills, problem solving skills and attention to detail
Self-motivated individual with strong time management skills
Experience with Moody’s RiskAnalyst or comparable financial statement spreading tools
Knowledge of economics, accounting and finance

159

Credit Risk Analyst Resume Examples & Samples

Five years experience in analysis and writing
Advanced writing skills
Intermediate to Advanced Microsoft Office skills
Must possess the ability to research, read and absorb large quantities of information, identify the most pertinent emerging risk trends and present the information in a concise, well-written summary
Some experience with Risk Portal system
Strong project management and strategic planning skills
Strong PC skills and computer support system knowledge
Knowledge of commercial lending, credit analysis and administration
Three to five years of credit risk management experience

160

Credit Risk Analyst Resume Examples & Samples

Bachelor’s degree in Business, Mathematics, or related field and/or equivalent work experience
SAS programming proficiency
Advanced expertise in Excel with strong working aptitude in remaining Microsoft Suite
Strong background in credit risk management
Credit analysis and analytical skills
Thorough knowledge of economics, accounting and finance
Knowledge of CAMIS, CAPE.net, Mainframe, Hogan and SAR

161

Affordable Lending Credit Risk Analyst Resume Examples & Samples

Eight to ten years of experience in project management and leadership activities
Five or more years of managerial experience
Demonstrated management and leadership skills
HMDA and Fair Lending experience

162

Credit Risk Analyst Resume Examples & Samples

University Degree in Credit Risk Management or similar tertiary qualification (finance or business administration)
A minimum of 3 years experience working in Credit Risk Management for an international company
Must be fluent in English, must be highly organized, able to work, think and act independently, able to work in a fast paced environment and produce error free work
Advanced computer literacy in Microsoft Office is required whilst experience in SAP is preferred

163

Global Wealth Management Risk-credit Risk Analyst Resume Examples & Samples

Perform Collateral analysis and recommend Loss Given Defaults (LGDs) using the appropriate systems
Strong knowledge of Microsoft Office products (Word, Excel, PowerPoint)
Financial analysis experience

164

Credit Risk Analyst Portfolio Oversight Caribbean & Central Resume Examples & Samples

Monitor portfolio performance by key metrics. Develop early warning capabilities and set up tolerance thresholds to signal changes in the portfolio dynamics and shift in population
Develop a portfolio oversight dashboard to monitor portfolio risk at the regional, country, product, and customer level. Identify areas of opportunities for improvement and growth
Produce monthly executive reports to communicate portfolio status, key concerns and areas of opportunities. Liaison with other risk areas and business partners to investigate variances and update key initiatives. Provide action plans to mitigate risk and support prudent portfolio growth
Conduct ad-hoc analyses and deep-dive reviews to deliver actionable portfolio insights in response to changes in customer behaviours, industry trends, market/macro-economic situations and regulatory requirements
Apply analytics and data management expertise to enhance the reporting infrastructure. Promote the use of risk control system among team members and relevant stakeholders
Collaborate with business partners to support on-going business initiatives. Provide timely support to a broad range of stakeholders including local credit risk management teams across the Caribbean and Central American countries, International Loan Adjudication Centre, Products, Marketing, Shared Services, Operations, Audit and regulatory bodies
University degree in Business/Finance/Accounting/Math/Computer Science (or in final year of completion)
Strong analytical and MIS background, including previous SAS programming skills to extract, analyze and manage data from a diverse range of data sources
Strong command of MS Excel application. Able to conduct data analyses using pre-formatted data cube and pivot tables
Basic knowledge of retail credit risk management and business drivers. Ability to understand and analyse data and assess credit policy
Excellent business writing skills. Present views clearly and convincingly to audiences with varying levels of expertise
Fluency in Spanish is an asset, but not required

165

Credit Risk Analyst Resume Examples & Samples

Knowledge of real estate valuation, appraisal fulfillment, collateral risk management, and primary mortgage market operations is critical to success in this position
Ability to articulate complex property valuation and risk management concepts to non-appraisers is essential
Must be a team player, but also a self-starter willing to work independently at times
Strong oral/written communication skills required. Experience developing and communicating property eligibility and property valuation policy a plus
Recent nationwide appraisal review experience at a lender, AMC, or secondary market participant is helpful
Must be comfortable presenting to small to medium-sized groups of internal and external stakeholders. Comfort with public speaking is preferable
Must be able to analyze and interpret data to inform decisions. Working knowledge of and general familiarity with technology, systems development, and analytics is strongly preferred

166

Gcg-credit Risk Analyst, Margin Lending Resume Examples & Samples

Prepare Portfolio MIS for Margin Lending and Insurance Premium Finance products
Ensure timely and accurate reporting of regulatory and internal MIS/Portfolio monitoring process
Assist Risk Manager on ad-hoc MIS and portfolio review
Ensure accuracy, operations/systems adequacy
Involve in regulatory and internal portfolio stress testing process
Lead technology upgrades. Contribute to system changes, testing stages for system cutovers impacting Investment Secured Lending product
Ideal candidate will have a degree holder with at least 2-3 years of work experience
Good Analytical skills and proficiency in programming knowledge are mandatory. Expertise in SAS is desirable
Knowledge of investment products, trading products, wealth management, systems and key processes would be added advantage
Prior work experience in Risk Management, Analytics and wealth management will be an added value
Good communication skill (verbal and written) and able to interact well with risk management seniors
Strong team player - You should be able to effectively network with coworker from cross functional and multitask in a fast paced environment

167

RMG, Credit Risk Analyst, Analyst Houston Resume Examples & Samples

Direct involvement in assessing new and reviewing existing trading counterparts and transactions
The candidate will work on transactions primarily related to Macquarie's Energy Markets Division
1-2 years experience in Credit Risk

168

Credit & Risk Analyst Resume Examples & Samples

Receive all Legal and financial information required for Credit and Risk Analysis of Customers
Analyze Financial information to determine Credit Limits supported by evidence to be assigned to a Customer
Analyze Financial information to determine Credit lines and Payments terms approved for Customers
Escalate issues promptly and accurately when they may show in the Credit Analysis
Determine the amount of Risk a Customer may present to the Emerson business
Request appropriate approval for credit limits according to the credit approval matrix, or approval route
Present to the AR Supervisor timely and accurate reports on Credit information, customer data and terms approved
Keep supporting and backup documentation that will provide proof of the decision making process for Risk Management and Credit Analysis
Confer with account receivable representatives to exchange credit information
Document credit analysis and summaries of credit requests into E-ram and Sharepoint for auditing purposes
Prepare reports that include the degree of risk involved in extending credit or lending money
Control the order management order release process for customers with insufficient credit lines, special payment terms, trial periods, or for those who represent a high credit risk
2 year in Credit and Collections Positions

169

Credit Risk Analyst, Energy Resume Examples & Samples

Research, write and present financial and industry analyses to drive company and portfolio level decisions
Participate in the structuring, underwriting, and documentation of credit facilities designed to meet both client and investor needs as well as balance the bank’s internal risk/return requirements
Conduct detailed financial analysis, including financial projection modeling and company valuations to be used in underwriting decisions
Monitor and manage credit exposure associated with the bank’s broad range of products including Commodities/FX, Derivatives, Treasury Management, Leasing, Receivable Securitization Conduits, etc
Review term sheets, credit agreements, ISDA, and other legal documentation
Undergraduate or Graduate degree in Finance, Economics, and/or Accounting with a minimum of twelve accounting coursework hours
1-2 years of banking experience in a corporate underwriting, leveraged finance, or client management role
1-2 years of Oil and Gas industry experience
Leadership, initiative and resourcefulness
Strong work ethic and intellectual curiosity
Teamwork orientation
Ability to manage multiple complex tasks simultaneously Dedication to building a career in financial services

170

Gcg-credit Risk Analyst Resume Examples & Samples

Ensure accuracy of data definition, mapping, standardization in compliance with global guidelines for consumer products (both secured and unsecured products)
Ensure comprehensive User Acceptance Testing (UAT) of data field and outputs from the new infrastructure during and after transfer as part of the project maintaining adequate documentation for future references
Program coding, data field understanding & field validation, look-ahead stress testing model data request, documentation, reconciliation & investigation, running, and reconciliation
Coordinate across technology, credit operations, other country functions and Regional Risk Management team as relevant
Work closely with senor risk managers and analysts to ensure all requirements and standards are in line with project requirements
Ensure accuracy of local country, regional and global reports and ensure continuation of the same
Ideal candidates should be a degree holder with 1-2 years of work experience
Good knowledge of SAS and databases is a pre-requisite
Prior experience in handling regulatory reporting and system/product knowledge is desirable
Driven with passion to deliver project within timeline

171

Gcg-senior Secured Credit Risk Analyst Resume Examples & Samples

Develop & maintain MIS to monitor key portfolio performance trends for secured portfolios to continue maintaining strong portfolio credit quality, in line with business strategy & risk appetite
Perform in-depth portfolio analysis of secured products to assess risk & opportunities; Validate & refine credit policies/processes through use of analytics
Interpret MIS and continuously upgrade reporting as per risk management needs
Develop and maintain close working relationship with all business partners and relevant stakeholders
Support Secured Risk Manager on ad-hoc MIS portfolio reviews
You should be a degree holder with at least 2-4 years’ experience, preferably in risk management, credit operations or secured product management. Background/experience in Consumer Risk Management/ understanding of Mortgage & Secured loans market preferred
Strong SAS programming skills and MS Excel knowledge
You should have strong analytical skills, with demonstrated ability to conceptualize and clearly communicate the analytical findings
Strong team player and relationship management skills. Ability to effectively network with different teams and multi-task in a fast paced environment

172

Credit Risk Analyst Resume Examples & Samples

The Counterparty Credit Risk team within CRIS is tasked with ensuring that senior management can rely on complete, accurate and timely exposure metrics for risk management and regulatory capital calculations
Key specific accountabilities. The role will primarily focus on running and improving existing controls around counterparty credit risk exposure calculations, including
Running of established controls, becoming subject matter experts on the credit risk metrics and the underlying trade and counterparty data that is used to calculate them
Regular contact with other members of the CRIS and finance teams, willingness to discuss analysis with senior management (director level) within CRIS
Ability to discuss technical risk issues with stakeholders from outside the CRIS team, including IT and front office, and translate the relevant business/technical concepts into language suitable for the audience
Decision making and problem solving. This role will suit an individual with the intellectual curiosity to monitor and report established risk metrics, both client and exposure, and challenge those metrics, seeking to drive forward our control framework to meet the requirements of the dynamic regulatory landscape. It is a chance to enhance risk - and therefore RWA - accuracy, thus improving the bank’s ability to make decisions and be profitable and will allow for career progression within the bank
Risk and Control: All Barclays colleagues have to ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards
Some awareness of Basel 3 regulations
Ability to work effectively as an individual, and as part of a wider Team

173

Senior Credit Risk Analyst Wholesale Banking Issue Management Resume Examples & Samples

Directly interface with the Wholesale Banking business line issue owners and issue sources to review and understand key findings, relevant risks, recommendations and impact to the credit and business process
Perform the established activities with focus on detail clarity, accuracy and timeliness in accordance with the Issue Management Policy and Wholesale Banking Issue Management Procedures
Maintain Business Line and desktop procedure for all elements of the issue management program
Ten or more years of experience in credit analysis and risk management
Knowledge of lending products and services offered by the Wholesale Banking and Commercial Real Estate business lines
Strong control orientation, analytical skills, attention to detail, critical thinking and problem solving
Operational or compliance risk management is a plus

174

Counterparty Credit Risk Analyst Resume Examples & Samples

The team’s main objective is maintaining, developing and running production controls for the advanced and standardised exposure calculations (EAD), ensuring accuracy and completeness, and being in a position to provide explanations
The role will primarily focus on running and improving existing controls around counterparty credit risk exposure calculations, including
Continued enhancement of the control framework around the IMM and non-IMM models use to calculate exposure for Risk Management and RWA calculation purposes
Numerate undergraduate degree with strong academic record, or equivalent work experience
Some awareness of Basel 3 regulations. Be prepared to answer questions about EAD, PD, LGD and RWA in your interview
Advanced MS Excel
Natural curiosity to investigate issues and identify remediation options
Strong communication skills, especially the ability to explain technical concepts to non technical audience
Decision making and problem solving.This role will suit an individual with the intellectual curiosity to monitor and report established risk metrics, both client and exposure, and challenge those metrics, seeking to drive forward our control framework to meet the requirements of the dynamic regulatory landscape. It is a chance to enhance risk - and therefore RWA - accuracy, thus improving the bank’s ability to make decisions and be profitable and will allow for career progression within the bank
Ability to work effectively as an individual, and as part of a wider Team. Which role did you fulfil when you worked as a part of a project group in Academia? Coordinator? Leader? Presenter?

175

Credit Risk Analyst Resume Examples & Samples

Analyzes paying habits of customers who are delinquent in payment of bills for simple to medium transactions and recommends action to resolve credit problems
Reviews files to select delinquent accounts for collection efforts
Evaluates customer records and recommends that account be closed, credit limit reduced or extended, or collection attempted, based on DSO, earnings and savings data, payment history, and purchase activity of customer
Confers with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses
Interviews clients to investigate complaints, verify accuracy of charges, or to correct errors in accounts
Adherence to client’s policies and procedures
Performs credit reviews of existing and new customers
Contact Customers and / or Microsoft personnel via email & telephone
Escalate to appropriate parties according to escalation procedure if necessary
Works with collection group to achieve monthly targets
Handles query disputes from customers (receives queries via email & telephone, document query issues in system, research / analyze query issues & coordinate resolution of customer disputes)
Prepare performance reports and attend conference calls with local management
Associate’s Degree OR Minimum of 2 years of experience in Credit Risk Management or Financial Analysis
Minimum of 1 year experience with Microsoft Office
Minimum of 2 years of experience working with Accounting systems in Accounts Receivable
Written and spoken ability to communicate in English for Accenture interaction
Must be a good team player
Responsibility and accuracy in the completion of received tasks
Ability to solve urgent matters and work under pressure
Flexibility, especially in the period of month quarter year end closing
Reliable, proactive approach to entrusted tasks thinking outside the box is a plus
Client industry experience a plus

176

Credit Risk Analyst Resume Examples & Samples

Conducting detailed analysis of thematic risk issues for the proactive management of emerging risks
Preparing weekly and monthly reports to manage operational efficiency and portfolio quality
Assisting in embedding the Banks risk appetite into risk reporting
Refining the limit management framework as the portfolio and economy evolves
3-5 years of credit risk reporting and analytics experience in financial services industry
Experience with Microsoft Office - including Excel, VBA, Word and PowerPoint
Strong relationship building and stakeholder management skills

177

Credit Risk Analyst Resume Examples & Samples

To implement operationally sustainable/supportable projects independently with other areas of Trading Credit Risks (TCR) to ensure collaboratively that trading credit risks are appropriately identified, measured and reported and that all key issues are investigated and to contribute to the resolution of deficiencies that are identified
To contribute to the successful implementation of trading credit risk projects, acting on behalf of all interests across CMRM, contributing innovative thinking and an understanding of financial products and associated credit risks
Assist in the release cycle process of a designated portion of credit risk change requests related to CMRM's credit risk systems. This includes providing impact analysis of the changes
Develop and/or enhance tools (e.g. VBA macros in spreadsheets and Access DB)
Support CMRM Solutions team

178

Credit Risk Analyst Resume Examples & Samples

Performing adjustments for credit risk measures in line with the agreed control framework
Liaising with Credit Analysts and Risk Data Analysts to ensure accuracy of credit risk data
Supporting Credit Risk Reporting teams
Cooperating with IT and Change Teams in testing new system functionalities
Participating in process improvement initiatives
Communicating with stakeholders from various regions
Understanding of risk and / or finance reporting concepts and standard
Proficient in use of MS Excel to understand and report on large amounts of data
Knowledge of MS Access and / or other database querying will be a plus
Familiarity with credit risk exposure calculation methodologies & reporting is a plus
Solid organizational skills
1 – 2 years of experience in Risk Reporting, Product Control, Audit or other control function in financial institutions would be an advantage
Applications from recent graduates are welcome

179

Cb-credit Risk Analyst Resume Examples & Samples

Previous commercial real estate and/or mortgage banking experience preferred
Detail oriented with strong logical/numerical ability and excellent data entry skills
Knowledge of basic financial reporting documentation (Property Operating Statements, Personal Financial Statements, Rent Roll, Lease Summary, etc.)
Proficient in Microsoft Office Suite and able to quickly acclimate to proprietary systems
Set priorities, establish, and meet strict deadlines

180

Credit Risk Analyst Resume Examples & Samples

Review and analyse applications to maintain a good commercial balance in underwriting, including meeting loss rate, approval rate and turnaround time objectives
Liaise with internal and external stakeholders to ensure a smooth process for transactions by optimising communications and maintaining relationships. External stakeholders include introducers from all origination sources ranging from Broker, Vendor and Direct channels. This includes maintaining relationships and optimising communications
Recommend transactions in compliance with policy with a view to obtaining a credit discretion with satisfactory performance; and
Liaise with internal stakeholders to ensure communications
1-2 years experience in a credit or related environment would be preferable but not essential
Excellent written and verbal communication skills and the ability to effectively tailor communications to a diverse range of business and technical stakeholder groups
A hard-working and flexible attitude and the desire to succeed in a fast-paced and team-oriented environment
Qualifications in finance, accounting/finance and/or a related discipline

181

Cib-securities Prime Brokerage Credit Risk-analyst Resume Examples & Samples

Daily monitoring of client portfolios and providing of commentary of market risk positions with the aim to identify material risk exposures and concentrations. Due diligence and attention to detail is critical
Review and recommend leverage for prospective clients where leverage request does not fall within the standard model
Interact regularly with the front office on risk-related issues such as discussing margin changes Monitor and analyze market trends and movements. This involves observing market trends and estimating the significance they will have on PB client portfolios
Assist Risk Managers in product development re margin and risk systems
Economic commentary at team meetings
Prior experience in, or familiarity with, Hedge Funds, Hedge Fund strategies, and Prime Brokerage
Expertise in non-linear trading instruments (e.g. options, volatility products such as VIX) and the risk therein
Proficiency in basic programming languages, specifically SQL, is a plus

182

Credit Risk Analyst Resume Examples & Samples

2+ years previous Credit Risk experience
Microsoft Office/Suite proficient (Outlook, Word and Excel)
Traded Product experience
Microsoft Excel expertise

183

Credit Risk Analyst Resume Examples & Samples

Support senior members of the Credit Risk team to embed risk management and risk appetite within the product areas
Support the development of Credit Risk strategies and policies to optimise risk and reward within the agreed risk appetite
Support sustainable and profitable portfolio growth through advanced analytics to achieve Business aspirations
Provide Credit Risk analytics for the development of new products, lending strategies and risk management of the portfolio
Represent Credit Risk in strategic projects and tactical initiatives
Strong technical skills, proficient one of SAS or SQL and Excel skills
Strong analytical skills, ability to digest and interpret complex concepts underpinning Credit Risk strategies and approaches
Data extraction and manipulation skills and understanding of data issues to prepare and validate inputs and analyse outputs
A range of inter-personal skills including innovation, determination, and teamwork
Good communication skills, ability to communicate to an audience with different levels of understanding of Credit Risk
Degree or equivalent in numerate subject or proven track record in analytical environment

184

Senior Credit Risk Analyst Resume Examples & Samples

System & Strategy Development (including scorecard development preferably) - define & prioritise any further enhancements to the behavioural scoring decision engine, manage the implementation & communication of those changes. Development & approval of design documents. End-to-end testing of system changes. Knowledge of how risk scorecards are built, monitored and remain effective and fit for purpose
Reporting – review of monthly Strategy reports and KPIs, setting regular meetings to review trends and changes. Ensure reports are timely, accurate & evolving
Represent Credit Risk on departmental & cross-functional projects. Build effective working relationships with other departments. Document Credit Risk requirements where applicable. Escalate & manage actions & issues
Marketing Campaigns – build effective working relationships with Marketing & support the inclusion of behavioural scoring modelling within their loyalty & retention processes. Work with Marketing to understand their data, content of the campaigns & requirements
To manage, drive & embrace change to support the Credit Risk agenda
To be able to understand complex processes involving multiple IT systems & interfaces with cross-functional responsibilities
To establish credible relationships & ensure that you are seen as a trusted advisor
To be able to negotiate with & influence all levels (up to Senior Management) within the organisation regarding the importance of supporting process & controls. Be able to present the benefits that would result from implementing required improvements and/or recommendations
Works primarily under supervision, but prioritises work stack and adapts to changing priorities. Responsible for personal output with autonomy to plan and execute own work. Specialist roles will work with high level of authority only seeking appropriate support where necessary. Decision making mainly according to established solutions but handles new challenges and looks to make improvements to existing processes or and suggest alternatives to problems/issues before escalation
Comprehensive SAS skills
Direct experience of high volume consumer markets, e.g. telecoms, financial services, utilities
Be able to communicate effectively with stakeholders
Experience in monitoring and developing behavioural strategies
Experience in developing scorecards / models

185

Lead Credit Risk Analyst Resume Examples & Samples

Independently analyzes performance of major clients to set underwriting criteria that appropriately books profitable new accounts as well as monitoring results of ongoing credit risk programs for existing accounts
Independently develops and tests strategies that maximize the profitability of existing cardholders by ensuring credit limits are appropriate for their needs and risk level
Develop analytical and data mining skills for direct reports through associate coaching and goal development
Demonstrate departmental leadership by sharing knowledge and experience with peers
Leads team efforts in conducting deep-dive analysis of key credit risk metrics to identify strategic opportunities for profitably driving A/R growth
Leads team in analyzing possible process or policy failures to develop alternative strategies to increase application or authorization approval rates
Expertly advises and leads team on Credit Risk policies and practices. Performs ad-hoc analysis and communicates solutions to internal partners
Participates in Strategic Account Management process with Client Sales and develops risk strategies to enhance success
Bachelors degree in Finance, Business, or related field such as Statistics or Accounting; or equivalent work experience
A minimum of 4+ years of experience using SQL/SAS
Experience doing complex credit analysis; and strong communication and presentation skills to all levels of organization
Strong knowledge of the Credit Card business and how creditors make money
Strong knowledge of Underwriting and Credit Limit practices and processes
Expertise using SQL, SAS, and Essbase
Expertise with Microsoft Office, especially Excel/Pivot Tables
Ability to draw conclusions and form recommendations based on data analysis
Ability to teach others how to use technical tools efficiently and effectively
Ability to coach others on development of analytical skills
Ability to develop and deliver presentations to Credit Risk leadership and internal partners
Ability to provide constructive feedback to develop skills of others

186

Credit Risk Analyst Resume Examples & Samples

Attention to detail and ability to quickly highlight relevant issues
Strong verbal and written communication and influencing skills with concise expression and ability to present convincing arguments to Management, Sales and other stakeholders
Experienced in financial and data analysis
Degree level qualification in related discipline preferred

187

Senior Credit Risk Analyst Resume Examples & Samples

Responsible for analyzing and interpreting financial statements for the purpose of establishing, maintaining, or denying credit. Both a qualitative and quantitative assessment needs to be performed and demonstrated in a thorough credit review
Make recommendations for appropriate tenors and credit lines based on creditworthiness
Continually review and monitor counterparties creditworthiness and credit exposure and implement necessary collateral enhancements to mitigate credit risks
Provide and maintain credit support (guaranties, letters of credit or cash) for a portfolio of counterparties
Interface with Trading, Origination, Legal, Risk, management and counterparties to provide credit risk guidance, on a daily basis, according to GSEMNA Credit Policy
Perform know-your-customers and anti-money laundering practices for a portfolio of counterparties based on the GSEMNA Credit Policy
Maintain credit parameters across a number of different systems
Stay informed of current industry news and events that may impact the credit exposure of the portfolio
Ability to work in a time sensitive environment
5-7 years wholesale energy credit risk management experience required with master trading agreement negotiation preferred
Expertise in use of Microsoft Office Suite
Bi-lingual in Spanish is preferred, but not required

188

Credit Risk Analyst Resume Examples & Samples

Dealing with day to day trading activities across oil, gas and power
Analysing and quantifying credit risk profile of a single counterparty and of a portfolio of counterparties
Performing credit reviews
Providing support on daily margining activities
Developing and quantifying credit risk limits and margining thresholds
Running daily credit reports and monitoring daily credit risk limits
Supporting negotiation of Broker agreements, ISDA and Master netting agreements
Supporting implementation of credit risk limits and reports in IT systems (Openlink, Cube)
Guaranteeing compliance with credit risk procedures
Proactive approach to problem solving, analytical mind and excellent attention to detail, coupled with the ability to work reliably when under pressure
Good interpersonal and communication skills, a team player who enjoys working across international cultures
Demonstrates flexibility and adaptability to work in rapidly changing environment
Full command of English language (written and spoken), knowledge of Italian language is not essential but would be helpful

189

Credit Risk Analyst Resume Examples & Samples

Perform Operational tasks including
English + Japanese (to handle Japanese clients)
A minimum of 2 years of demonstrated work experience managing a credit / risk function in an MNC environment
A primary degree in business / finance / accountancy / credit management
Good understanding of credit and risk concepts, with sound knowledge of banking procedures, payment methods and letters of credit
Good ability to research on short pays, overpayments and resolve issues
Good interpersonal and written communication skills, with the ability and confidence to operate at senior levels within the client and Accenture organisations
Good customer service skills – able to work with customer/client to resolve disputes resulting from billing and/or contract issues
Self-starter with good time management to meet strict deadlines
Good problem solver with the ability to deal effectively in high pressure and dynamic situations
Experience in MS Excel and competence with other PC based applications (MS Office)

190

CCP Credit Risk Analyst Resume Examples & Samples

Proven and demonstrable experience in the Banking industry
Prior position and experience as a credit risk analyst
An experience in the field of post-trade activities (CCPs, clearing / settlement) will be appreciated
Analytical and writing skills (in particular in English)
Strong presentation skills (both written and oral)
Communication and diplomacy (in particular in English)
Willing to learn and participate actively
Rigor, organisation and reactivity
Strong commitment and high curiosity
Diligence / Attention to details
Solution driven oriented
Team working ability
Ability to understand the Bank and its processes
Ability to operate autonomously, when required

191

Credit Risk Analyst Resume Examples & Samples

Experience in assessing counterparty credit risk
Experience and/or familiarity across a range of debt transactions including Infrastructure, Real Estate, Corporate Debt (Private Placements, Private Corporate Debt and Leveraged Finance), Securities Financing and Structured Credit financings
Understanding of derivatives transactions, execution and documentation
Experience of and familiarity with credit ratings assessments and methodologies across a broad range of asset classes and types of counterparties
Credit risk portfolio management experience

192

Market & Credit Risk Analyst Resume Examples & Samples

Business as usual operation of: the ESG and Asset model; Market and Credit Risk elements of the IECM
Financial and Actuarial Acumen
Data analysis, interpretation and deployment
Experience of working in a Market and Credit risk environment
Understanding of Economic Scenario Generators (ESGs) and how these are applied to calculate investment/portfolio risk
Understanding of portfolio risks to which an insurer may be exposed
Comfortable in taking ownership of work and meeting deadlines
Igloo/Capital modelling experience desirable

193

Credit Risk Analyst Resume Examples & Samples

Must be able to organize and prioritize assigned customer reviews and new account set-ups
Responsible for using available credit reporting tools to effective perform customer account reviews
Ensures timely and accurate responses to new account inquiries/reviews, questions, obtain required documentation for new accounts set-up
Proactively contact customers and sales representatives to complete new credit applications
Provide credit support to collection analysts handling existing customer AR accounts
Responsible for developing and maintaining business relationships with customers (contractors and owners) and Sales Office personnel
Monitors Siebel inquires for new account set-ups, closures, and account change requests for residential and commercial businesses
Ensure full compliance with corporate credit policy, internal/external audit, and approved program
Recommends for processes changes to the existing program where warranted; exceptions are corrected and/or brought to the attention of Credit Management
Prepares and recommends over line approval requests above assigned level of authority
Follows up on legal documentation and collateral documents required for a given customer account
Manage data base changes within ARCP to ensure accurate reports are generated daily
Manages the Unearned Customer Cash Discount project

194

Credit Risk Analyst Resume Examples & Samples

Review assigned sample of commercial lending/leasing financial statements and compare to Moody’s financial spreads for accuracy
Review assigned sample of commercial lending/leasing risk rating matrices for accuracy
Communicate any errors discovered to the appropriate underwriter/portfolio manager for correction and follow up for completion
Prepare and distribute monthly and quarterly reports on quality assurance review results
Coordinate and lead conference calls and training sessions to address issues uncovered during the quality assurance reviews
Coordinate and lead other related training/communication as needed
Participate in related projects as needed

195

Credit Risk Analyst Resume Examples & Samples

Develop and prepare recurring credit stress testing and portfolio reports for assigned portfolios as well as ad hoc credit risk analysis reports as requested by management
Develop procedures and applicable documentation related to assigned portfolios and models. Perform review and testing of the same
May present report findings or other job-related subject matter to interested parties, including various departmental personnel and senior management
Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies, procedures and compliance regulations. Completes all required annual or job-specific training. Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become "The World's Greatest Bank."
Bachelor’s Degree in accounting, finance, business, economics, or related field required. Advanced degree and/or related certification in the same is preferred
Possess working understanding of data systems, warehousing and integrity issues as well as data transformations and logic. Knowledge of SQL code is a plus
Proficient with personal computers, MS Office (e.g. Word, Excel, PowerPoint), and other business systems. Higher skill sets required for Excel, including strong proficiency with statistical and data set manipulation tools. Proficiency with statistical applications is a plus
Leadership experience preferred

196

Credit Risk Analyst Resume Examples & Samples

Data modelling in SAS and SQL
Regulatory Reporting: ensuring accurate calculation, reporting of credit risk measures for regulatory capital, all whilst ensuring the APS standards are met
Internal Reporting: Responsible for reporting of credit risk measures to senior management
For Regulatory & Internal reporting you would seek guidance from the Manager of Credit Risk Intelligence
Retail Analytics: Play a significant role in developing retail portfolio analytics to gain increased insights into the Bank’s lending portfolios
Use existing experience and knowledge to further improve and automate reporting requirements to help meet future demands
Very strong data modelling experience, building and coding your own data models
Intermediate / Advanced SAS and SQL
Tertiary qualification with a financial focus (Finance/Econometrics/Statistics)
Experience in a credit risk analytics or reporting role or equivalent, within banking/financial services industry

197

Multifamily Credit Risk Analyst Resume Examples & Samples

Experience with analyzing transactions reviewing property operating statements, inspections, and information on other risk and proposed mitigants
Strong analytical skills, ability to perform analysis and identify issues and gaps
Effective written and oral communication with clients and stakeholders
Strong sense of urgency about solving problems, meeting deadlines, and identify solutions with transactions
Experience with providing portfolio level real estate analysis, conclusion, and recommendations
Previous experience working with DUS servicers, preferred

198

Credit & Risk Analyst Resume Examples & Samples

Produce accurate and timely cyclical and ad-hoc reporting for the Credit & Risk Department and the wider business
Carry out thorough and detailed analysis on all reporting, adding value by identifying trends, summarising key points and making recommendations for improvement
Support the development of scoring models for risk and other applications
Deliver insightful analysis of customer behaviour and profitability, making recommendations for how we can add value to our customers and the business
Contribute to the continuous improvement of the Credit & Risk Department and the wider business through idea generation, and designing and conducting statistically valid tests to support any recommendations Carry out ‘Champion vs. Challenger’ reporting and analysis
Strong Competency in SAS
Graduate in a numerate discipline such as mathematics, statistics, engineering or economics
Minimum of 12 months experience working in an analytical role
Excellent numeracy and analytical capability
Knowledge and understanding of data management, analysis and transformation
Advanced Excel spreadsheet skills
Active interest in statistical techniques and their application (e.g. Linear / logistic regression)
Ability to problem solve through ‘train of thought’ analysis, showing high attention to detail
Good verbal and written communication skills enabling effective communication of outcomes
Able to work using their own initiative, to deadlines and under pressure
Masters in statistics or operational research
Experience in a credit risk, financial services or regulated environment

199

Credit Risk Analyst, Energy Resume Examples & Samples

Participate in the structuring, underwriting, and documentation of credit facilities designed to meet both client and investor needs, as well as balance the Bank’s internal risk/return requirements
Conduct detailed financial analysis, including financial projection modeling and company valuations
Monitor and manage credit exposure associated with the Bank’s broad range of products
Review term sheets, credit agreements, ISDAs, and other legal documentation
Undergraduate or Graduate degree in Business, Finance, Economics or Accounting
1-2 years of banking experience in corporate underwriting, leveraged finance, or client management

200

Credit Risk Analyst Resume Examples & Samples

Oversee and monitor acquisition and book profile and performance
Monitor portfolio and sub-portfolios trends and identify emerging risks
Report and communicate results of oversight activities
Report on limit breaches and related remediation actions
Analyze and report on the effects from events or initiatives that could alter the company’s risk profile and risk position
Work cross-functionally to identify, analyze and report on topics that may affect future risk profile and required capital
Conduct research and analysis using information and data from a variety of sources
Analyze and make recommendations on business risk policy exceptions and significant new risks
Collaborate closely with the business to ensure effective risk management
Partner with model risk management and business model teams to assess judgmental inputs in SF models
Lead analytical projects and deep-dives to support ERM SF goals and objectives
Lead cross-functional projects or efforts
Background in quantitative field such as Finance, Economics, Statistics, Computer Science
Prior experience in modeling and analytics preferred
Able to learn to use multiple internal and external input data sources
Experience effectively partnering/collaborating with internal constituencies and strong interpersonal skills
Identifies and proposes thoughtful solutions that address issues
Exercises intellectual honesty and influencing skills by identifying and presenting information or data in ways that are persuasive to others
Strong relationship management, communication, and presentation skills
Excellent problem-solving and decision-making skills are required
Must be proficient in MS Office; knowledge of SharePoint and Business Intelligent tools such as Tableau

201

Credit & Risk Analyst Resume Examples & Samples

Extensive experience in credit or risk analysis department from 3 years preferably from a bank or lasing/captive company (Credit part is prevailing in the position profile)
Experience in Collection
Knowledge of Collection
Good financial understanding
Strong business understanding
Typically 3 to 5 years of operational management experience, preferably in the financial services industry in a commercial vehicle environment Business Acumen
Communication skills with internal and external customers/clients (verbal and written)
Proficient in English
Good relationship building

202

Credit Risk Analyst Resume Examples & Samples

Bachelor's degree in Business or Finance, or equivalent experience, is preferred
Experience with enterprise risk management concepts preferred
Experience in SF mortgage credit risk analysis preferred
Experience with primary and secondary mortgage market activities, Capital Markets and pricing preferred
Ability to develop management reports with proficiency using Word, Power Point and Excel

203

Credit Risk Analyst Resume Examples & Samples

Successful candidate will provide dedicated support to CRM SRU Lead in relation to new demand tasks identified in in pulling together SRU relevant materials and reviewing SRU Divisional credit exposures
Coordination and preparation of CRM Updates to management/governance – summarising issues across ex-IB and ex-PB exposures
Portfolio/Transaction Specific Deep Dives – look at existing credit exposures with SRU lens and separately to existing legal entity credit work – covering range of exposure types (Loans, Derivatives, Securities Financing) and counterparty types (Banks, Insurance, Corporates, Funds, Individuals etc.)
Interaction with Global CRM credit officers – coordination
Monthly summary of SRU specific updates – commentary on monthly movements, significant transactions
Review of Top Credit Exposures by Division (Potential Exposure) – risk management and identification of concentrations, issues from a Divisional perspective. Monitoring and analysis
Review of Top Credit RWA Exposures by Division – risk management and alignment with SRU Business incentives for overall reduction of SRU RWA. Identification of differences between RWA and PE views of exposure
Review of Ex-PB exposures held in Switzerland
Review and approval of PTA / New SRU related transactions – unwinds, novation's, restructurings
Update on Credit Deteriorations in the portfolio and coordination with Global CRM across diverse underlying counterparty and risk types
Ongoing support to projects supporting SRU on MI & Reporting, Risk Management, and Governance
The successful candidate is likely to have experience in credit risk management or related functions such as market risk or enterprise risk management. Experience in counterparty credit risk and transaction analysis is an advantage
Solid analytical skills, including analysis of corporate / FI counterparties
Developed interpersonal skills - good communications skills, both oral and written
Product knowledge (e.g. loans, derivatives, securities financing) – understanding of market risk factors that drive credit exposure
Team oriented, flexible, diligent, and self-motivated
Ability to work under pressure and to deadlines. Calm and flexible approach
High attention to detail and the ability to remain organized in a dynamic environment
Innovative: Challenging the status quo; creating new ideas; supporting change; displaying strategic agility
Personal excellence: Striving for continuous self-improvement; learning from feedback and experience; showing passion; displaying perseverance and maturity
Solutions driven approach: Identifying and analysing problems and opportunities; designing solutions; making decisions; planning, implementing, and delivering
Collaboration: Working within and across teams and functions; communicating effectively; resolving conflicts; negotiating skillfully in pursuit of common goals
Ethical: Adhering to the code of conduct; acting responsibly; protecting the reputation of the bank; controlling risks
Ability to work effectively with a wide range of cultures / personal styles
Fluent in English, both written and oral
Good knowledge of Word, Excel, and PowerPoint software

204

Credit Risk Analyst Resume Examples & Samples

Be capable of independently managing credit limits of a portfolio of key customers and have the ability to pro-actively resolve any issues that may arise
Liaise with client credit management team, discuss account strategies and make informed observations to reduce or mitigate against risk exposure
Ability to analyse and process credit security information, including making recommendation for renewal/replacement of appropriate security requirements, including LOC’s, Personal Guarantees, and Insurance
Manage and maintain internal and external client relationships
Identify account problems and escalate/resolve issues in a timely manner
Close co-operation with other teams (Collections and Operations) is essential
Adhere to, review and where appropriate make suggestions to improve credit policy and procedures
Degree in Business or Finance or related discipline
2+ years previous credit analysis experience preferred
Excellent interpersonal, communication and presentation skills and ability to work on own initiative
Strong technical report writing skills
A self-starter with the ability to adapt quickly to system/process changes whilst maintaining focus on key service level deliverables

205

Ifrs Credit Risk Analyst Resume Examples & Samples

Support the development and delivery of industry leading IFRS9 (models (e.g. scorecards, Provision models, Fraud detection models and forecasting models) and other analytical solutions to support decision making in Retail Finance
Producing high quality Credit Risk Analysis, determining appropriate proposals to support the delivery of Close Brothers IFRS9 solution (e.g. hand in hand out, model development, monitoring and analysis)
Work to and contribute to the development of best practices within all aspects of Modelling and Analytics
Good experience in the development of risk models in Retail Banking
Good knowledge of modern risk management techniques within Retail Banking, and in the use of risk models within such an environment
Experienced in the extraction and manipulation of data to support risk model development, e.g. defining observation periods, outcome periods, choosing a suitable "bad" definition, for scorecard models, and equivalent experience for other modelling approaches
Experienced and competent in the use of SAS and any other computer-based software and/or statistical packages (e.g., SPSS, R, Matlab, EViews) for developing all types of predictive model suites, including on large datasets or time series of data
Proven ability to work well within a team environment, with some experience and understanding of managing others
Proven ability to work without the need for close supervision showing excellent time management, planning and organisational skills
Excellent communication skills, both written and verbal with experience of tailoring communication for different audiences
A natural ability with numbers, with the ability to work quickly and at a high level of detail and accuracy, and a highly analytical approach to problem solving
A high level of creativity, drive, innovation and initiative – a self starter
Good experience in IFRS9 Credit Risk Management, setting appetite measures, developing strategy framework and monitoring
A good degree in a numerate subject with knowledge of advanced statistical and analytical techniques
Postgraduate qualification in a relevant subject (maths, statistics, operational research, economics)

206

Credit Risk Analyst Resume Examples & Samples

7 years of experience
A minimum of 3-5 years’ experience with underwriting mortgages sold to Fannie Mae
Demonstrated understanding on how to apply and interpret eligibility with Fannie Mae Selling Guide Policy, particularly borrower and product
Primary market mortgage industry underwriting experience, preferred
Strong oral and written communications with an ability to create executive communications to all levels of management and clients
Experience in collaborating within a team and across function
Strong Training/Presentation skills to small and large audiences

207

Junior Credit Risk Analyst Resume Examples & Samples

Bachelor degree in Finance or Economics
1-2 years of relevant experience as an analyst
Experience at a multi-national corporation
Experience in complex reporting
Thorough

208

Credit Risk Analyst Resume Examples & Samples

3-5 years of credit analysis experience
Advanced education is welcome
Professional level written and verbal communication skills
Fully experienced and skilled with Word and Excel
Command of standard financial ratios used in credit analysis
Familiarity with loan documents

209

Credit Risk Analyst Resume Examples & Samples

Conduct analysis to support the management team in its independent identification, assessment and challenges related to risks throughout the credit process by providing management with critical inputs needed to understand risks and trends
Conduct analysis to support ongoing review of models, including pricing, scorecards and residual risk, allowing for corrective action prior to systematic increases in risk profile
Examine the portfolio and on a comprehensive, as well as a segmented basis
Proactively identify and escalate emerging risks with recommendations
Identify and escalate issues and observations as they arise
May be required to lift, push, or pull materials weighing up to twenty (20) pounds

210

Junior Credit Risk Analyst Resume Examples & Samples

You have excellent verbal and written communication skills in English
You hold relevant a degree in Finance, Accounting, etc
You have very solid analytical skills, attention to details and willingness to learn
You represent hands on attitude and positive personality
Previous experience in Credit Analysis would be an advantage, but it is not essential
Familiarity with the banking business and products offered by the bank
Understanding of financial documents and financial metrics/ratios

211

Credit Risk Analyst, Co-op Resume Examples & Samples

Help develop predictive models that will form the basis of information-driven strategies executed within Credit Risk which includes credit limit assignment, marketing promotions, collections and new account adjudication
Validate and maintain statistical models/credit risk strategies and recommend appropriate courses of action
Develop and maintain expertise with lending, credit scoring, behaviour scoring, portfolio management, direct marketing, data mining, and industry trends

212

Credit Risk Analyst Resume Examples & Samples

Extracting data from various mainframe and data mart systems
Providing ad-hoc reporting to all management levels of the branch businesses
Benchmarking; updating existing and creating new benchmarks
Completing risk appetite framework
Develop and maintain documentation, governing processes and procedures and provides all documentation to centralized corporate team
Maintain documentation for internal and external auditors and corporate finance
Providing analysis and recommendations around credit quality, volume distributions and performance trends
2-3 years’ experience in consumer finance business with focus on risk management
A proven ability to extract, manipulate and analyze data to maintain pool levels within established thresholds
Bachelor's degree in quantitative field such as accounting, statistics, economics, business administration, or mathematics
2-3 years’ experience, preferably in retail credit, with an emphasis on forecasting and analysis
Developing knowledge and ability through internal and external training to utilize software such as SAS, Access, Excel and SQL

213

Credit Risk Analyst Resume Examples & Samples

Manage coordination between SF CRO and functional CROs to facilitate comprehensive oversight and monitoring of the Single-Family business
Lead as a change advocate for ERM efforts to implement an enterprise-wide governance, risk and compliance program, functioning as a coach and consultant for stakeholders
Develop, track and assess key performance measures across the group. Support management reports and division-wide, board/executive level communication and presentation requests
Strong executive level presentation

214

BT Group Senior Credit Risk Analyst Resume Examples & Samples

Two Way Performance Deal we have a clear and consistent two way performance deal for all employees
Ensure that BT’s Code of conduct is fully adhered to http://humanresources.intra.bt.com/conduct/cstandards/10910
People Manager Job Standard (Where Applicable) We have clear and consistent standards for all BT people managers. Use the information at http://humanresources.intra.bt.com/index/becoming-a-better-people-manager/your_job_standards.htm to see what’s expected if you are a people manager
Experience in high volume Collections
Proven ability to implement effective Collections strategies and monitor performance
Ability to use SAS data analytics tool
Ability to produce detailed analysis
Experience in process mapping to produce effective operational processes for Collections

215

Credit Risk Analyst Resume Examples & Samples

2+ years of analytics experience
Experience participating in cross-functional projects
Experience utilizing queries to mine and analyze data sets using programs such as SAS, R, SQL, etc
Experience developing statistically-based predictive models
Strong financial acumen with the ability to apply financial concepts and analytics to evaluate risk
Ability to travel domestically and internationally, up to 25%
Ability to work flexible hours to support multiple time zones
Bachelor's or Master’s degree in a statistics, economics, math or other quantitative discipline

216

Credit Risk Analyst Resume Examples & Samples

Leverage commercial real estate and risk management experience to evaluate the effectiveness of multifamily risk management functions
Articulate risk management best practices for the multifamily business, including identification, definition, assessment and mitigation strategies to address gaps and/or weaknesses with an appreciation for striking a balance between acceptable workable solutions and pushing for better alternatives
Demonstrated ability to maintain diplomacy and tact, as well as invite diverse perspectives, in all interactions with stakeholders; including officers, senior management, internal and external auditors and regulators
Examine risk elements of proposed transactions, initiatives, or counterparties and make recommendation to management for platform improvements
Knowledge of Fannie Mae Delegated Underwriting and Servicing program is preferred

217

Assistant VP, Credit Risk Analyst Resume Examples & Samples

Provide oversight, advice and challenge as a 2nd line of defence from credit risk management perspective under Enterprise Risk Management Framework (ERMF) – Credit Risk is one of six principal risks under the framework and typically arises from our core client and customer focused activities of lending and trading. The incumbent is expected to also be aware of the other five risks (e.g. Market Risk, Funding Risk, Operational Risk, Conduct Risk and Reputational Risk) when performing duties
Understand and implement the risk management process using the structured and practical process of a) Evaluate, b) Respond and c) Monitor as laid down under the ERMF framework
Engage in supporting continued growth of business and managing relationships of Barclays business and clients based on specialist expertise and knowledge whilst keeping sounds risk management standards and judgment
Contribute to the ongoing identification and mitigation of risks through the assessment of external influences and internal changes. Upon occurrence of a risk event, carry out root cause analysis which covers 1) identifying possible control/behaviour failures, b) lessons learnt for future risk assessment and c) documentation if control issues and timelines of resolution
Evaluate credit risk in transactions by taking a holistic view ensuring coverage of six Principal Risks and any material impact on achievement of Barclays objectives. The credit analysis should include sections such as industry/peer/sensitivity analysis providing detailed information about counterparty’s credit quality
Sanction proposals generated by the team using any delegated discretions

218

Credit Risk Analyst Resume Examples & Samples

Conduct credit analyses using advanced methods and tools of aggregated data provided by lenders, clients of the organization, or other sources of data. Candidate must be able to review and edit contractual agreements. Candidate must be necessary to evaluate credit risk transfer executions
May lead analytical, policy development, or integration effort within unit or with other corporate departments. Engage with FHFA and insurers as needed
Understanding of primary/secondary mortgage markets
Understanding of mortgage insurance market and mechanics (preferred)
Experience with managing or analyzing mortgage credit risk
Experience in negotiating mortgage sale or credit enhancement transactions (preferred)
Good analytic skills - ability to utilize, understand, and interpret financial analyses; and perform basic spreadsheet analyses
Strong verbal and written communication skills - may be responsible for providing updates, both written and verbal, to and for senior leadership

219

Credit / Risk Analyst Resume Examples & Samples

Job Responsibilities
The position requires detailed credit analysis on businesses. The successful candidate must be able to perform detailed credit analysis on accounts within an aggressive time frame. The reviews range from 40 to 50 per month and in some instances more. The Analyst is responsible for performing a thorough credit analysis and making sound recommendations to Senior Management
Provides clerical and investigative support to the Periodic Review Analysts and Managers. Orders/searches for information and completes investigations on a tracking system. Prepares files for each month’s reviews ensuring investigations are properly documented. May provide/pull trade references, banking references, web site reviews, personal credit reports, business reports, as well as assist in obtaining financial statements. Assist in preparation of weekly and monthly reporting for the Periodic Review department and provide Analyst support as needed

220

Credit / Risk Analyst Resume Examples & Samples

Performs credit analysis and underwriting activities, evaluating financial position and credit worthiness, for prospective and existing commercial/merchant/portfolio accounts
Maintains and reviews current information on existing accounts
Ensures a balanced risk and revenue tradeoff consistent with credit policy and loss target expectations
Investigates the processing activity on accounts that have exceeded the parameters set in our risk management system and make a real time decision if the account is conducting business in a fraudulent manner or in a way that increases the credit exposure to First Data and its partners
A successful analyst must have the ability to work in a fast pace environment and be able to make real time / accurate decisions

221

Credit Risk Analyst Resume Examples & Samples

Collaboration with the origination and fund management teams as well as the 1st lines of credit within the various businesses in shaping proposals for presentation to Investment Committees, Ratings Committees and other credit risk-related committees and approval processes
Ensure adherence to AI’s Credit Risk Management Frameworks / Appetite Statements / Policies / Standards as well as the relevant Aviva Group provisions
Ensure diligent monitoring and reporting of Counterparties’ exposures from liquidity, derivatives and securities finance transactions as well as key credit risk indicators with appropriate and timely escalation as may be required
Ensure that credit risk-related proposals and decisions have been properly and diligently reviewed and that all relevant considerations have been adequately brought to the attention of decision-makers
Educated to Degree level
Additional professional qualifications in Accounting / Banking / Finance / Business would be desirable, such as ACA/ACCA, IMC, CFA
Experience in assessing Counterparty credit risk is essential
Experience and/or familiarity with at least two types of debt transactions including Infrastructure, Real Estate, Corporate Debt (Private Placements, Private Corporate Debt and Leveraged Finance), Securities Financing and Structured Credit financings
Experience of and familiarity with credit ratings assessments and methodologies across a broad range of asset classes and types of counterparties is essential
Flexibility versatility and adaptability

222

Credit Risk Analyst, Principal Resume Examples & Samples

Bachelor’s degree in Information Systems, Business, Engineering, Financial Engineering, Economics, Statistics, Mathematics or equivalent work experience
Minimum of eight years in accounting, finance, procurement, settlement, orcredit risk management and counterparty evaluation, and project management
Proven Microsoft office expertise
Demonstratedability to work with front office in solving problems and assessing corresponding transactional credit risks as necessary
Prior credit risk management experience in utility or energy industry preferred
Good understanding of energy industry contractsincluding but not limited to EEIs, NAESBs, ISDAs, and Power Purchas/Sale Agreements
Applies knowledge, skills, and techniques to define, control, report, and improve processes
Defines processes and metrics for evaluating counterparty credit exposure
Reviews credit evaluations for completeness and accuracy
Leads evaluation of counterparty’s financial strength based on standard guidelinesand procedures using financial analyses of financial statements and other relevant market intelligence
Leads negotiations of credit terms and limit threshold levels for various agreements
Leads evaluation of current and potential exposures for alltransactions associated with counterparties
Liaises with treasury, front office, and settlement group to quantify the amount of collateral to be posted or collected and track the levels of interest expenses or income associated with collateral activities
Leads development of complete procedures and processes to maintain and manage credit information in system of record
Evaluates emerging risks that impact the management of counterparty credit and liquidity risks such as financial, FERC and CAISOreforms
Assures new legislation or regulations are appropriately addressed in contracts and controls
Serves as a professional witness in regulatory proceedings as needed

223

Senior Credit Risk Analyst Resume Examples & Samples

You will help develop and obtain approval for credit strategies, decision models, policies and business rules on new and existing customers applying for service as well as delinquent customers in collection
You will be responsible for implementing new segmentation trees, scorecards, champion-challenger testing and decision rules in our decision engine
You can readily look for the right contacts and develop relationships within the department, the company and with external groups such as the credit bureaus and decisioning consultants
You have previous experience in the predictive sciences field preferably in designing statistical models for credit or marketing
You are an expert in SAS/SQL and are familiar with large-scale data mining, data manipulation, business reporting and analytics
Your software and business world learning curves are short
You can interpret how data tables are represented in the customer’s world and hold your own when investigating system issues, reporting discrepancies and customers disputes
You can assimilate existing business protocol and processes but retain your own creativity and innovativeness to meet ever-changing priorities and deadlines
You are able to manage integrity in your work through resilience and best practices whether it is for a quick ad hoc request for information or a long-term multi-department project
You take ownership and responsibility to ensure communication lines are kept open and deadlines are met
Work well on your own and with a team of other data analysts
Perform ad hoc duties as needed
Degree in Mathematics, Statistics, Engineering, Computer Science, Economics or other quantitative discipline
Proficiency in SAS and ability to quickly learn new software and programming languages
Solid PC IQ with advanced skills in Excel, Word, Powerpoint, etc
Knowledge of KnowledgeStudio/Seeker, SQL, R, Cognos, SPSS, and other data mining or statistical analysis software will be considered
Experience using Experian, Fair Isaac or other similar credit decision engines or collection platforms is preferred
Demonstrated experience in data mining, data analysis, reporting, gap analysis and problem solving
Strong ability to run queries and interpret resulting data using different modelling tools such as decision trees, cluster analysis, ANOVA and regression analysis
Previous work experience in an analytical capacity in consumer/commercial credit risk and collection is preferred
Experience in quantiative market research is an asset
Strong organizational skills and flexibility to adapt to a changing environment
Self-starter, with the ability to work both independently and with teams to manage multiple priorities and to meet aggressive deadlines

224

Credit Risk Analyst Resume Examples & Samples

Periodic reports regarding company risk profile
Analyzes and comments on market and portfolio
Participates in the implementation of risk valuation models
Demonstrates the ability to evaluate, synthesize, organize and interpret data and information
Questions, examines, compares and confirms results
Develops and presents recommendations – power point
Highlights key changes in portfolios and potential causes
May be required to obtain appropriate professional or technical certification(s)
Basic knowledge of Consumer Credit products, appropriate banking laws, regulatory, compliance, underwriting, loan origination and servicing systems
Excellent oral, written and organizational skills
Good analytical and problem-solving skills including attention to detail
Understanding and utilization of statistical concepts
Strong technical skills, programming and utilization of analytical tools
Team and relationship building
Skilled in applicable computer software, e.g. Microsoft Word, Microsoft Excel, etc

225

Senior Credit Risk Analyst Resume Examples & Samples

Understanding of accounting concepts
Solid understanding of statistical concepts
Advanced degree in relevant field
Direct experience with Allowance for Credit Losses
Familiarity with trends and developments across the banking industry, specifically to credit risk modeling (CECL, IFRS9)
Significant experience in credit analysis, accounting, and/or financial reporting and projections
Advanced analytical skills

226

Credit Risk Analyst Resume Examples & Samples

Perform credit analysis of new and existing customers. Recommend credit limits appropriate to risk profile through diligent risk assessment and monitoring
Highlight significant credit risk to senior management
Accounting Technician or equivalent Credit qualification desirable
Third Level Diploma/Degree an advantage
3+ years relevant experience in an accounts receivable role – preferably with Shared Service Centre
SAP/FSCM Collections Module or other major ERP Systems experience is desirable
Strong in analysing financials statements and evaluation of dynamics impacting customer credit profile, with the ability to provide a succinct and articulate credit analysis and recommendation for both domestic and International markets
Strong written and verbal communication skills are essential
Strong computer skills especially MS Office
Commitment to excellent customer service
Ability to prioritize and manage multiple responsibilities including regular support on daily order release and collections with the team

227

Credit Risk Analyst Resume Examples & Samples

Monitoring scorecards, analysing outputs and highlighting changes
Helping to develop methodologies for forecasting and stress-testing credit exposure
Providing governance and support to market teams across all areas of credit risk
Building relationships with key stakeholders
A high-level understanding of the concept of credit risk management
An in-depth grasp of the basic principles of credit scoring
Some knowledge and practical experience of the tools available to support the management of credit risk

228

Credit Risk Analyst Resume Examples & Samples

General Risk Management experience, 3+ years
Knowledge of credit risk products e.g. loans, contingent facilities, clearing and settlement lines, derivatives, etc
Working knowledge of in-house credit applications (Optima (formerly Global Risk Reporting [GRR]), Global Collateral Aggregation Tracking System (GCATS), Rapid, Credit Engine and other credit risk data systems.)
Knowledge of Basel II&III
Knowledge of ICG Risk Policy
Drive and determination
The ideal candidate must have good technical skills and the ability to learn and work with very complex in-house data management systems. The position will require gaining a detailed familiarity with Citi’s standard forms of Credit Approval, technology, and internal procedures. Strong technical skills are required for every aspect of this job
It is a requirement of the position that the candidate have demonstrated proficiency in the use of computers to include MS Word, Excel, and the ability to learn and use various proprietary in-house systems including web based programs and the like
Bachelor's Degree with a specialization in Business Administration, Finance, Management, or a closely related field that involves intensive study and utilization of financial concepts and fundamentals

229

Credit Risk Analyst Resume Examples & Samples

Respond to inquiries on potential customers and formulate a credit opinion via a number of different methods, including analysis of financial statements, commercial reasoning and pragmatic methods
Under the direction of the Group Credit Risk Manager, help to develop, recommend, implement and maintain computerised risk systems appropriate to the needs of the business and to the continued efficiency and improvement of the service provided by the CFSE team
Provide to the Group Credit Risk Manager and Senior Management all appropriate and requested risk reporting data within agreed time scales
Consult and discuss with the Group Credit Risk Manager, all risk or procedural issues on which the job holder is unsure
Maximise cash flow inwards by setting enabling appropriate and sensible credit lines to drive sales
Support the rest of the CFSE risk team by sharing ideas, advice and best practice whilst contributing to the effective running of the risk function
Liaise with Group Collections Manager, Finance Directors, Group Sales, Process Improvement/Reporting, and Core Data Managers and co-ordinate individual and group training and development for the risk team
Ensure credit policies and procedures are strictly adhered to and applied in the management of risk and collections in order to maximise cash flow inwards and minimize overdue accounts and bad debts
Conduct regular reviews of major over limit accounts with risk team members and external parties to ensure that appropriate follow up action and/or resolution activities are being taken and escalate to a higher authority if deemed necessary to secure risk
Review existing customer base using a variety of methods and work with the business and risk team to ensure credit limits and payment terms are appropriate and reviewed regularly in line with internal policies
Liaise with Group Credit Risk Manager and local Finance Directors to ensure that there are adequate provisions for bad debt and sales and returns allowances etc
Work with the risk team and help improve customer satisfaction by ensuring that all customer and internal queries are dealt with in a timely manner
Ensure that customer’s orders are held and released in conjunction with the Collections team in accordance with the prevailing Delegation of Authority
Authorize credit limits for accounts within defined limits of authority
Sets own priorities within framework of established procedures
The job holder will be required occasional travel within Europe

230

Senior Credit Risk Analyst Resume Examples & Samples

Bachelor’s degree in business related major
Must have 4 or more years of relevant financial institution experience with commercial credit risk management and reporting or risk technology
Significant understanding of credit risk management practices and policies
Deep understanding and use of Business Intelligence applications and reporting tools
Understanding of commercial, consumer and specialty lending

231

Lead Credit Risk Analyst Resume Examples & Samples

Optimization of existing strategies
Documentation and Reporting
Management, mentoring and guidance of junior associates
4+ year’s prior experience in developing strategies and/or credit criteria
Strong analytical, logical reasoning and problem solving skills required
Able to work independently to drive strategic enhancements
Bachelor’s or Advanced Degree in Quantitative Discipline/Economics required

232

Credit Risk Analyst Resume Examples & Samples

Development of new strategies
Execution and Validation of strategies
Ideation
2+ years prior experience in developing strategies and/or credit criteria
Strong knowledge of statistics and data mining techniques
Proven capabilities with SAS, SQL, CHAID or similar software
Strong working knowledge of the process and tools used for the development, validation, implementation, and documentation of credit risk strategies
Ability to communicate effectively and influence others to drive results
Effective project management and organizational skills with the ability to prioritize work and competing priorities
Alliance Data offers a competitive salary and a comprehensive selection of benefit options including 401(k)

233

Credit Risk Analyst, / Senior Resume Examples & Samples

Performs independent financial analyses on the condition of large, complex and/or problematic district depository institutions for determination of credit risk and condition considerations. Provides quantitative and qualitative recommendations to department and/or Bank management
Participates and occasionally leads department, Bank and FR System workgroups to enhance processes or policies, responds to emerging issues and develops and maintains positive working relationships with all levels of the department, Bank, and FR System
Prepares and delivers briefings, presentations, recommendations and other communications for key decision-makers and external shareholders regarding matters impacting the Discount Window, Condition Monitoring, Reserves, Payment System Risk and/or Collateral functions
Advises and/or counsels large, complex and/or problematic district depository institutions, researches and provides recommendations of a complex nature to internal management, other Reserve Banks, Board staff and others
Ensures that daily operations of key functions are conducted consistently with established policy, procedure and potential risk and control requirements
Assists with the development of analytical and editing techniques along with data extraction, including querying complex databases and viewing techniques for related data systems, to enhance data analysis, data integrity and data timeliness
Knowledge of regulations, procedures and practices of credit risk
Bachelor's degree in finance, economics, or related field is required
3+ years related work experience required
Master’s degree in finance, economics, or related field is preferred
Professional license or certificate in finance, economics, or related field is preferred
Job Location: Cleveland
Travel Requirement: 5%-10%

234

Credit Risk Analyst Resume Examples & Samples

Develop and prototype innovative new models, forecasting and analytical tools to meet client requirements
Supply monthly PD, behavioural scores and BI reports within timescales as per client contracts and agreement
Produce, maintain and develop comprehensive model and report documentation for internal and client usage
Develop, produce and maintain monthly scorecard monitoring packs to assess the robustness and appropriateness of the behavioural models and estimates of PD, EAD and LGD

235

Senior Credit Risk Analyst, New Products Resume Examples & Samples

Develop underwriting and pricing strategy for new products through collaboration with Marketing, Loss forecasting, Product, Operation and Investor team
Collaborate with Marketing to optimize conversion and acquisition cost
Perform strategic and various ad hoc analysis for senior executives. Formulate hypotheses, gather data to support them, and present findings
Experiment with new tools and techniques to improve insights
Bachelor/Master Degree in engineering, math, statistics or other data-oriented field. Masters is a plus
Strong business acumen and excellent interpersonal skills
3-5+ years of data mining or analytics experience. Lending or fintech experience strongly preferred
Proficient in Tableau, SQL/SAS, and other business intelligence tools

236

Credit Risk Analyst Resume Examples & Samples

The Credit Risk Analyst I is responsible for providing analysis support for risk oversight. This position will perform routine assignments under the guidance and directions of senior level Credit Risk Analyst. The Credit Risk Analyst I will work closely with the line of business, to ensure complete, consistent and accurate capturing and reporting of risk information and principles
Key risk indicators, and diversification to maximize risk adjusted returns
Uses existing processes and procedures to solve routine or standard problems
Receives instruction, guidance and direction from supervisor

237

Senior Credit Risk Analyst Resume Examples & Samples

3-5 years' experience in credit risk reporting and analytics
Proven experience with R (or SAS)
Knowledge of the credit decisioning systems across all or some parts of the credit lifecycle
Advanced experience with Microsoft Office
Including Excel, VBA, Word and PowerPoint
Proven team and relationship building skills. - Strong understanding in mortgage and commercial portfolio risk

238

Credit Risk Analyst Resume Examples & Samples

Preparation of credit reviews for new and existing counterparties
Analyze qualitative and quantitative information on a counterparty in order to determine internal ratings and limits
Analyze the risks inherent in physical and financial (derivative) products traded by Anglo American
Liaise with Front Office and Group Legal to negotiate and structure credit-related clauses in trade contracts
Providing support for secured credit arrangements including trade finance and credit insurance
Reviewing and validating credit management reports including exposure and excess monitoring
Ensure credit processes maintain consistency with relevant governance framework documents
Knowledgeable and experienced with financial analysis
Understanding of or exposure to credit risk within a commodity trading environment
Familiarity with derivatives, ISDAs and risk management concepts used in derivatives trading

239

Credit Risk Analyst for Group Credit Analytics Resume Examples & Samples

Be part of the on-going effort to enhance credit portfolio analytics capabilities and reports
Prepare regular credit risk management reports providing portfolio analyses on trends, variances and key concerns
Assist in ad-hoc information requests or queries from senior management, business units or external parties e.g. regulators, rating agencies
Comfortable dealing with multiple stakeholders (IT, Ops, Business Units) in a fast-paced environment
Strong analytical, written and oral communication skills
Strong knowledge of Analytical tools (e.g. Excel/SAS)

240

CIB Risk-credit Risk Analyst Resume Examples & Samples

Perform credit due diligence and analysis (including financial modeling) on clients and transactions in Taiwan
Work closely with Senior Credit Officers, Credit Analysis Unit in India, and different Lines of Business in identifying and alternative transaction structures / credit risk mitigations
Involvement in the credit documentation negotiations related to loans, trade finance and derivatives transactions. Participate in investment banking deals where credit lines are required
Conduct ad hoc industry research and handle other matters related to the regulatory issues
Bachelor degree in Accounting, Finance, or Business Administration or related faculties from reputable universities. Master degree will be a plus
1-2 years work experience (preferably with a leading international bank)
Strong accounting, finance and business writing skills
Some exposure to loan structuring/documentation and exposure to derivatives/trade finance is a plus (but not a requirement)
Strong communication and interpersonal skills, including proficiency in English and Mandarin in reading, speaking and professional writings. Need to read Chinese language materials, including financial statements
Be comfortable with active client interactions for due diligence meetings

241

Credit Risk Analyst Resume Examples & Samples

Demonstrated knowledge of the Multifamily market including; DUS model, products, real estate finance, transactions and structures, legal contracts, loan documents, property/ collateral valuation, cap rates, credit, regional markets
Develop solutions and resolve a wide range of issues, as necessary. May participate in determining objectives of and approaches to assignments
Must have knowledge and understanding of commercial real estate valuation
Must have strong communication skills, written and verbal
Must be able to work with a sense of urgency while maintaining accuracy
Demonstrated critical thinking and analytical skills
Adept at learning new processes quickly

242

Credit Risk Analyst Resume Examples & Samples

Assign and monitor tasks within the analyst group
Proofread and review loan presentations providing feedback and correction while mentoring and developing team members to develop credit and business acumen
Analyze the financial condition, operating performance, and repayment ability of borrowers utilizing financial statements, collateral documentation, borrower interviews, and industry and economic data
Interact directly with borrowers, as appropriate; to gather the information required to make well-informed credit decisions and back-up the relationship mangers for credit related inquiries
Prepare loan presentation documents to recommend actions to the appropriate credit authorities in the department, credit administration, or the bank’s board of directors
Proactively manage a portfolio of borrowers to ensure continuing satisfactory risk profiles, including annual reviews, covenant monitoring, and borrowing plan management
Ensure the bank’s adherence to regulatory policies; minimize variance from the bank’s lending policies and procedures
Support the achievement of organizational objectives and the success of individual colleagues through the timely completion of various reports and projects, mentorship of less tenured analysts, and willingness to effect and adapt to change
Other duties as assigned to increase the organization’s operating performance
Bachelor’s degree, preferably in accounting, finance, or economics
Seven or more years’ experience in C & I lending and/or analysis; experience in CRE, SBA, or syndications is a plus; formal credit analysis training is a plus
Two or more years supervisory/management experience is a plus
Thorough knowledge of accounting principles and practices, economics, and general business acumen
Thorough knowledge of standard C&I facility structures used to address various borrowing purposes and repayment sources
Intermediate knowledge of commercial loan documentation
Intermediate knowledge of Microsoft Excel; knowledge of Moody’s RiskAnalyst a plus
Intermediate knowledge of bank products posing operating exposure (ACH, remote deposit, derivatives)
Highly skilled at analyzing financial statements of moderate to high complexity and accumulating data to support credit decisions
Highly skilled at calculating corporate and personal cash flows and financial ratios with great accuracy
Knowledge of principles and procedures for personnel recruitment, training, and performance management is desired
Highly skilled at preparing thorough and well-reasoned loan presentations that clearly communicate the pertinent details of each request, accurately represent the credit risks involved, and persuasively lead the reader to a conclusion
Highly skilled at logically evaluating a situation to identify all the pertinent facts and present the facts in order of importance
Skilled at engaging in conversations with borrowers that may sometimes include difficult questions or sensitive topics while remaining relationship focused and striving for customer satisfaction
Skilled at problem solving and developing alternative approaches and solutions to problems
Strong ability to diligently pursue a line of questioning until all the required information is received to present a comprehensive answer
Strong ability to interpret financial or non-financial information, borrower interviews, and various third-party inputs for the purpose of identifying credit risk
Strong ability to use deductive and inductive reasoning, draw well-reasoned conclusions, and defend the conclusions with quantitative and qualitative facts
Able to develop specific goals and plans to prioritize, organize, and accomplish multiple tasks independently
Able to follow detailed checklists or process guides

243

Credit Risk Analyst Resume Examples & Samples

Ensures the daily operations of key functions are conducted consistently with established policy, procedure, and prudential risk and control requirements
Assists senior level staff with advising and/or counseling non-complex district depository institutions as well as with researching and providing recommendations to internal management, other Reserve Banks, Federal Reserve Board staff, and others
Assists senior level staff with a review of the level of payment system activity for Fourth District institutions and makes recommendations to Bank management on appropriate collateral requirements to safeguard District
Occasionally participates on department, Bank, and Federal Reserve System workgroups to enhance processes or policies, responds to emerging issues and develops, and maintains positive working relationships with all levels of the department, Bank, and Federal Reserve System
Assists with the preparation of briefings, presentations, recommendations, and other communications for key decision makers regarding matters impacting the Discount Window, Reserves, and Payment System Risk functions
Adheres to the Bank’s attendance policies through regular and prompt attendance
Ability to perform independent research
Knowledge of Microsoft Office, especially Excel
Specialized operational/technical skills, such as querying
Written and verbal communication skills
Bachelor's degree in finance, economics, or related field
No prior experience required

244

Market & Credit Risk Analyst Resume Examples & Samples

Scope, plan, design and develop areas of the IECM in relation to the components listed above
Own the management of any issues on the issues log in relation to the components listed above
Assist in the delivery of regulatory capital submissions and any internal reporting requirements
Deliver the annual Risk Mitigation Report, performing any assessments required
Organise and prepare materials for the ESG & Asset model Forum
Ensure that work is completed in accordance with the Internal Model Policy and associated Minimum Standards

245

Credit Risk Analyst Resume Examples & Samples

10+ years mortgage industry background including underwriting and quality control, with managerial experience preferred
In depth knowledge of the Selling Guide and U/W requirements
Strong analytical, creative problem solving, and negotiation skills
Strong written and oral communication and presentation skills, and the ability to communicate effectively with internal and external customers
Must have excellent interpersonal skills and a proven ability to work effectively in a fast paced team environment
Must have the ability to effectively manage multiple projects; accurately scope complexity and length, and execute with energy

246

Senior Credit Risk Analyst Resume Examples & Samples

Administer Ingram Micro's Credit policies and procedures within an assigned portfolio
Analyze the financial condition and credit worthiness of Ingram Micro's customers, prepare reports that outline the strengths, weaknesses, any known risks, and provide credit limit recommendations that will maximize sales or minimize risk/losses
Minimum of 4 years experience in a commercial credit environment, including specific skills and experience with detailed credit/financial analysis and customer visitation
Must possess: strong financial analysis skills; strong communication skills to interface professionally and effectively with both external and internal customers at all levels; strong organizational skills; willing to travel on a regular basis; ability to work with minimum supervision, and adapt to frequent change is critical

247

Credit Risk Analyst Resume Examples & Samples

Development and maintenance of standardized Basel, vintage, and regulatory reporting
Must be able to source data from disparate systems and bring together in a SAS environment
Mortgage industry experience

248

Credit Risk Analyst Resume Examples & Samples

Must exhibit a strong understanding of the mortgage industry and the role that the Government Sponsored Enterprises play
Must have extensive risk management knowledge/experience with credit risk analysis, transaction management, counterparty risk management, and operational risk management
Must be able to examine risk elements of proposals or requests for an existing client and make decisions within assigned delegation or recommendations to management regarding continuing to closure, or additional credit enhancements needed to make proposal acceptable
Will advise marketing staff or customers about corporate credit policies and counsel them to adopt practices that assure better chance of success in deals or transactions
Must be able to conduct credit analyses using advanced methods and tools of aggregated data provided by lenders, clients of the organization, or other sources of data
Will be required to consult with internal team members or stakeholders as well as externally with lenders and/or clients about risk policies, risk exceptions, lender review issues or findings, and other risk-related topics
Must have a real estate finance and mortgage finance with significant exposure to housing financing and capital markets with a thorough understanding of real estate securitization
Must have a thorough understanding of Fannie Mae Selling and Servicing Guidelines

249

Credit Risk Analyst Resume Examples & Samples

Support preparation of detailed credit analyses and required credit application according to policy including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure
Oversight of covenants compliance database and facility closing due diligence, including documentation
Attend RM customer meetings when appropriate
A minimum of 1 year of related work experience
A solid credit and analytical background
Completion of formal credit-training program at a money center bank is preferred
Strong written, verbal and interpersonal skills

250

Credit Risk Analyst Resume Examples & Samples

Analyzes credit worthiness of commercial accounts by reviewing internal and external information, including processing activity reports, credit bureau reports, financial statements, etc
Renders a commercial credit decision upon review of information
Writes detailed credit reviews and performs complex analyses, including analysis of cash flow, quality of assets and earnings, working capital, potential liabilities and risks, and impact of credit review findings. Negotiates collateral requirements and/or change of terms with merchants
Calls and writes commercial customers to request information, such as financial statements, shipping/delivery information, marketing brochures, etc
Discusses financial results with CFO, controller, etc
Conducts on-site due diligence visits
At least 2 years solid commercial credit experience. Or, recent college grads with relevant course work, summer internships, and related work experience
Strong financial statement analysis skills
Banking, ACH Transactions, and Payment Processing backgrounds a definite plus
College degree required. Preference for Finance, Accounting, Business, Economics or Math majors
Team player with exceptional verbal and written communication skills
Ability to justify credit decisions, balance risk and business / sales issues
Articulate. Can negotiate with sometimes difficult commercial customers
Able to multi-task in a high volume, fast-paced environment
Advanced MS Excel skills and strong working knowledge of other MS Office applications

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