Senior Credit Analyst Resume Samples

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F Fay

Finn

Fay

34911 Reinger Spur

Los Angeles

+1 (555) 606 1074

34911 Reinger Spur

Los Angeles

Phone

p +1 (555) 606 1074

Experience Experience

Philadelphia, PA

Senior Credit Analyst

Philadelphia, PA

Beahan, Zemlak and Thiel

Philadelphia, PA

Senior Credit Analyst

Assist with developing technological solutions to improve existing processes and overall portfolio management functions
Provides feedback to the manager on peer performance (5%)
Mentor, train, coaches, and develops ISSC department employees and provides guidance to help increase their performance
Provides guidance to sales, order management, customer financial service, operations, and general management on credit goals, objectives, processes, procedures
Conduct meetings with company management and provide feedback to portfolio managers
Develop strong relationships with Risk Management to improve and maintain an efficient credit process
Provide support to the Credit Controller as directed with overall management of the working capital (AR related)

Boston, MA

Senior Credit Analyst, Institutional Banking

Boston, MA

Gaylord Group

Boston, MA

Senior Credit Analyst, Institutional Banking

Maintains Credit file compliance items (i.e. financial reporting and performance covenants for borrowing customers)
Become proficient in the use of Business Analytics software report writing tool. Provides reports using Business Analytics
Responds to requests from third parties for credit and account rating information and CPA firm confirmation under bank’s established credit policies
Maintains a data base of borrower financial statements on department specific spreadsheet software
Coordinates necessary correspondence
Contributes to underwriting tasks for new and renewal credits, including but not limited to: providing financial statements, tax returns and personal credit reports, conducting Universal Commercial Code (UCC) searches, asset verifications, and credit investigations
Performs spread analysis on business and personal financial statements and tax returns on department specific spreadsheet software

present

Boston, MA

Credit Analyst / Senior Credit Analyst

Boston, MA

MacGyver-Barton

present

Boston, MA

Credit Analyst / Senior Credit Analyst

present

Makes recommendations to management on proposals beyond the analyst’s credit authority
Support the Relationship Manager in all credit process-related matters, make sure the Bank’s credit policies and procedures are well complied with
Performs retail and wholesale financial analysis as assigned
Monitor clients’ credit evolution and immediately alert Management for any early warning signals. Timely update financial spreading, regular compliance check on financial covenants, stay alert of market news and rating evolution of the clients
Performs credit analysis on end-user financing customers, incorporating company policies, promotions and programs into the decision making process, with the goal of fostering the sale of PACCAR products
Share information and develop industry intelligence
Deliver a complete and coherent counterparty and credit risk analysis, based on facts and in compliant with the Bank’s guidelines. Tasks include gathering of client information, preparation of financial spreading, cash flow projection modeling, industry analysis, peer comparison, etc

Education Education

Bachelor’s Degree in Accounting

University of Virginia

Bachelor’s Degree in Accounting

Skills Skills

Strong analytical ability with good interpersonal and communication skills, both written and verbal
Professional writing skills, attention to detail, excellent verbal and written communication skills
Excellent oral and written communication skills with strong attention to detail and organization
Highly motivated team player, with strong work ethic and attention to detail
Good knowledge of the financing of the trading of goods (documentary instruments, terminology of the international trade finance)
Ability to perform job functions accurately and with attention to detail
Exceptional detail orientation with a proven ability to meet deadlines, prioritize and perform a wide variety of tasks throughout the day
Excellent analytical skills High attention to detail
Strong Excel skills, including Pivot Tables and V-Lookups
Highly motivated with strong academic background

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15 Senior Credit Analyst resume templates

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Senior Credit Analyst Resume Examples & Samples

Gather customer credit information and assist the Corporate Credit Controller to analyze credit data for all new customers as well as for existing customers when periodic credit checks are required
Assist the Corporate Credit Controller as appropriate to formulate recommendations on setting customer credit limits and agreements for customers as well as to monitor existing customer’s credit limits for reasonableness
Provide assistance where data and analysis where required to the Corporate Credit Controller for handling customers disputes
Support the Corporate Credit Controller in the escalation process on collection issues to the appropriate individuals for resolution
Analyze data and provide support to the Credit Controller surrounding the internal process for recommending and approving potential write-offs for customers
Provide support to the Credit Controller as directed with overall management of the working capital (AR related)
Regular review of the internal customer credit limits
Review of the dunning process
Be the local contact point for all credit related issues in own country and escalation point for contacts across departments and the SDC (Shared Service Center) as well as the Head Office in Burbank, LA
Review and oversee service provider output
Preparation of management reports and analyses
Ensure adherence to credit risk policies when managing order releases or other activities impacting Warnerbros risk
Support the calculation and review of specific bad debt calculation and cash discount reporting
Other tasks/projects as required and assigned by the Corporate Credit Controller or the Director Corporate Finance
Deputy for the Corporate Credit Controller during absences
Relevant university degree in Business, Economics, etc. with focus on Accounting
3-5 years of post qualification professional experiences in the field of Accounting
Demonstrable experience within Accounts Receivable and Credit Control
Experience of Order-To-Cash activity including Collection, Allocation, Credit Risk, Dispute Resolution and Bad Debt Management
Finance experience gained in public audit or industry is a plus
Experience and / or understanding of consumer & business technology industry
Good knowledge of general accounting and reporting practices along German-GAAP and US-GAAP is a must, IFRS would be an advantage
Sound skills of accounting and reporting processes in a commercial and international environment
Working in an SAP ERP environment is a big plus
Fluent in German and English (speaking, reading and writing)

Senior Credit Analyst Resume Examples & Samples

Identify opportunities to maintain competitive credit structures, manage risk based on client’s current position, and proactively recommend solutions
Provide quality business analysis for existing clients
Must be bilingual
Proven credit analysis skills
Demonstrated planning, organizational, coaching, financial and credit analysis skills
Proficient in all standard Bank technology as applicable (e.g. Outlook, RBCnet, CWB, FACT, word processing & spreadsheets)
Posting end date: September 14th 2014 ***

Senior Credit Analyst for European Industrials Resume Examples & Samples

Perform detailed fundamental analysis into the European Corporate Credit Market with a specific focus on Investment Grade Credit, as well as generate trade ideas based on detailed fundamental research
Analytical activities include analysis of financial reporting, security structure, legal documentation, credit enhancement and other factors
You will be expected to have a sector based approach to your investment strategy, becoming a specialist within the sectors and taking responsibilities for driving investments within this space
Liaise with Senior Management to develop the overall investment strategy for the European Credit Markets and contribute to the broader fixed income team on top-down macro views on developments, trends and forecasts across the European market, as well as selectively participate in client/review meetings by providing sector insights
Keep abreast of industry, economic, regulatory and geo-political events that could have an impact on portfolio holdings

Senior Credit Analyst Resume Examples & Samples

Hands-on constructing and maintaining credit peer groups and relative value data sets, including modeling
Identify, support and maintain critical data and functionality on the Bloomberg terminal
7+ years of credit research experience, specializing in the Healthcare sector
Exceptional primary research and writing skills
Excellent oral communication and presentation skills
Bachelor's Degree in Business, Finance, Accounting or related discipline or equivalent experience
CFA designation and/or MBA degree is preferred

Senior Credit Analyst Resume Examples & Samples

University graduate in Economics, Accounting, Finance or Business Studies and minimum 5 years as Relationship Manager and/or Credit Analyst in Commercial/Corporate Banking areas in Foreign Banks or major local banks. Experience with SME/private enterprises in China is a plus
Strong analytical skills in processing the financial and business information and reasonable credit writing ability
Good knowledge of the market, customer’s requirement and general banking products, and reasonably good understanding of SAFE/CBRC/PBOC’s regulations and different manufacturing/trade patterns
Good written and spoken English
Better with geographic mobility in China

Senior Credit Analyst High Yield Resume Examples & Samples

Preference will be given to candidates with MBAs or graduate level degrees in finance related fields
CFA Charterholder in good standing required
Candidates must have a strong aptitude for and interest in credit and capital markets
Buy side or corporate lending experience, with exposure to US and/or European high yield markets, strongly preferred
8 - 12 years relevant experience
Prior experience in fundamental credit analysis, bond/loan structuring and/or trading
Strong quantitative analysis skills, required to understand and apply our quantitative portfolio management tools
Practical knowledge of fundamental credit analysis and fixed income securities valuation is critical
Strong PC skills with above average expertise using Excel, Bloomberg Professional, PowerPoint, etc
Highly articulate with above average verbal and written communication skills in English
Bond/loan or other trading experience would be beneficial

Senior Credit Analyst Resume Examples & Samples

Undertake credit assessments of corporates from within the APAC region, utilising both quantitative (financial modelling) and qualitative methods
Develop into a sector specialist for assigned industries within the global UBS network
Prepare thematic research pieces, either self-initiated or as requested
Conduct meetings with company management and provide feedback to portfolio managers
Make fundamental and relative value trade recommendations, implemented either through bonds or credit derivatives, to the portfolio management team globally
Contribute more broadly to the global credit research effort
Maintain awareness of domestic and global economic conditions
University Degree is essential; CA/CPA/CFA/SIA preferred
Background in Banking, Accounting, Rating Agency, Funds Management would be a plus
5-7 years' experience in credit or equities research, corporate finance or credit risk management along with the following skills and knowledge
Understanding of balance sheets and accounting methods necessary and Financial modelling experience skills preferred
Previous experience in credit analysis of banks and insurers would also be advantageous
Detailed knowledge of core products (Bonds, CDS) is an advantage, but not essential

Senior Credit Analyst Resume Examples & Samples

5+ years of experience within Accounts Receivable
Experience in pharmaceutical, retail, or surgical accounts
Strong Excel skills, including Pivot Tables and V-Lookups
High school diploma plus some college courses
Familiar with SOX guidelines and procedures

Senior Credit Analyst Resume Examples & Samples

Apply a continuous-improvement approach to achieving superior client experience by being vigilant to opportunities to reduce covenants and collateral security where warranted
Provide suggestions to complete work towards Simpler, Faster, Better
Meet or exceed client and CAM turn around expectations on new/increased credit requests/renewals
Demonstrated commitment to team work and collaboration by coaching, mentoring and assisting CAMs, service partners and others to meet the needs of clients
Develop and manage a personal development plan that ensures skills/knowledge/accreditations are up-date and meet position requirements
Participate in bank and/or industry focused events
Employee is aware of RBC Key Behaviours and consistently demonstrates their positive impact on business and individual performance in day to day activities with team-mates, colleagues and partners: Put clients first, Collaborate as partners, Develop people, Act on our accountabilities, Make decisions faster and Prioritize for greatest impact
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Senior Credit Analyst Resume Examples & Samples

3-5 years progressive experience in credit analysis and underwriting in either community or regional bank environments,, with a demonstrated ability to confidently underwrite and structure moderately complex C&I credits
Bachelors degree in Finance or related
Familiarity with lending to the affluent market segment a plus

Senior Credit Analyst Resume Examples & Samples

3+ years of experience in data mining, analyzing, and reporting analytic findings using both SQL and SAS is a MUST
3+ years of experience in credit policy utilizing both SQL and SAS is a MUST
Experience within the consumer credit card industry is preferred utilizing both SQL and SAS
Will provide Relocation Assistance and transfer existing H1B’s

Senior Credit Analyst Resume Examples & Samples

Credit analysis of potential and/or existent clients
Preparation of loan application documents
Monitoring of covenants as mandated by credit agreements
Preparation, management and control of customer files and documentation
Monitoring and control of lines of credit
Preparation of credit proposals
Prepare credit proposals with respective analysis of financial standing for every credit customer assigned, to be presented to local and/or head office credit committee including annual review of outstanding customers
Input of pertinent information after local approval (if necessary) into our online Aprocred system
Monitor and track respective approvals from head office
Open, delete, update and renew credit lines into our core processing system
Ongoing review of the credit files to ensure creditworthiness, including periodical comparative ratio analysis
Obtain financial information from clients
Collateral control, ongoing review of credit files to ensure insurance, taxes or any document pertinent is up to date
Monitor on an ongoing basis the covenants of our credit customers
Assure that we have translations in English of all credit proposals
Maintain credit files and legal files
Involvement in the closing process such as preparation or follow up of any required documents
Visit customers (travel may be occasionally required)
Must have regular and predictable attendance and work the hours and/or shifts assigned, particularly during regular business hours, to communicate with colleagues, supervisors, and customers with whom interaction is required to accomplish and complete work assignments and meet company goals within established deadlines
Must maintain courteous, professional and effective internal and external working relationships
Must provide timely and appropriate responses to requests for information and/or customer complaints or concerns and provide appropriate follow up to ensure issues are resolved
Must receive and provide clear, constructive feedback in a cooperative and professional manner
Working overtime and/or on weekends may occasionally be required
Assure that all credit presentations are based on legal, financial and regulatory requirements in Chile as well as in the United States
Review that all credit transactions meet with Bci Chile internal policies and procedures and ultimately ensure compliance with Chilean and US Regulatory requirements
Knowledge of corporate banking, financial institution and international banking market is a plus
Bachelor’s degree in Business Administration, Finance, Accounting or related field
Minimum two years of financial analysis experience
Ability to operate IBM compatible personal computers and terminals
Ability to use Microsoft Office (or similar group of programs) at intermediate level

Senior Credit Analyst, Business Banking Perth Resume Examples & Samples

Degree qualification in Commerce, Banking or Accounting related field
Strong experience in drafting up Business Banking credit submissions
Ability to work well independently and within a large team

Senior Credit Analyst Resume Examples & Samples

Superior written and verbal communication, negotiation,
Superior accounting knowledge
Superior problem solving skills
Superior prioritization skills
Superior understanding of risk mitigation tools
Superior influence skills
Deep knowledge of economic and political environment
Deep understanding of process and systems (e.g.,

Senior Credit Analyst Resume Examples & Samples

5+years commercial credit underwriting experience and prior credit approval authority
Bachelor’s degree in Finance,Accounting, or Business is required, MBA preferred
Detail oriented with the ability to analyze cash flow, leverage, collateral, and customer strength
Solid written/verbal communication and presentation skills
Ability to make sound business judgements while protecting the interests of TCFLeasing
Strong PC and technical skills, including experience with Word, Excel, PowerPoint andOutlook

Senior Credit Analyst Resume Examples & Samples

Review and analyze various transactions, including: review and analysis of applications, financial statements, balance sheets, business and customer bureaus, security and legal documents, payment performance, etc. Perform Annual Reviews on programs and individual transactions as assigned, and routinely monitor loans for compliance with loan agreements
Prepare credit write-ups and Moody’s spreads when appropriate in accordance with credit policy and procedure. Complete ratio, trend, and cash flow analysis to determine if a customer is eligible for financing
Understand and follow credit policy and procedure and work with other departments, including Legal, Documentation, Sales, and Portfolio Control to improve understanding and compliance
Work with Documentation and Legal departments on non-standard documents and/or exceptions to policy
Build good relationships with marketing/sales representatives, to structure loans to minimize risk and to close loans, and interact effectively with a variety of departments
Assists in the training of new credit analysts/officers. Reviews work of other credit associates. As needed, provides an additional level of authority on transactions
May be involved in special credit projects, assisting with changes in credit reporting and possible due diligence
Limited travel with sales staff
5+ years of commercial credit underwriting experience and prior credit approval authority in the areas of; secured or commercial lending, working capital finance, Asset Based Lending, floor plan or inventory finance
Ability to make sound business judgements while protecting the interests of TCF Leasing

Senior Credit Analyst Resume Examples & Samples

Review and analyze various transactions, including: review and analysis of applications, financial statements, balance sheets, business and customer bureaus, security and legal documents, payment performance, etc. Perform Annual Reviews on programs and individual transactions as assigned, and routinely monitor loans for compliance with loan agreements, various regulatory screening, and Risk Rating accuracy
Work closely with Customer Integration Advocates and Documentation departments to move requests quickly to decision and through documentation and activation stages (new requests) and with Legal on any non-standard documents or non-standard structures (new and existing transactions)
Partner with Sales and Portfolio Control to negotiate effective transaction terms, conditions, documentation, working effectively and efficiently, to maintain a balance between customer needs and minimizing TCFIF risk
Assist in the training of new credit analysts. Review work of credit analysts/associates and provide an additional level of authority on transactions
Limited travel with Sales to visit Customers

Senior Credit Analyst Resume Examples & Samples

3 years of experience in commercial credit analysis
Demonstrated knowledge and advanced skills in Excel or Access
Proficient in advanced financial analysis
Experience in credit approval of commercial loans in a financial institution is desired
Experience communicating customer’s financial performance, providing risk conclusions, and suggesting collateralization instruments
Bachelor’s degree in Business, Finance, Economics, Accounting or a non-business 4 year degree in combination with an MBA

Senior Credit Analyst Resume Examples & Samples

Analyze and interpret financial statements including proforma and projections using trend analysis, ratio analysis, cash flow analysis, discounted cash flow analysis and industry averages, as well as macro/industry trends review. This could include working with the loan officer and/or the potential/present customer when necessary to obtain the needed data
Review credits for document deficiencies and perfection while reviewing the financial condition of the firm. This includes making recommendations as to what documentation is required for potential loans
Generate monthly and annual reports on the loan portfolio as requested
Perform other job-related duties or special projects as assigned
Credit analysis, real estate banking or accounting experience preferred
Must be detail oriented with strong math skills and customer service skills

Senior Credit Analyst Resume Examples & Samples

Broad knowledge of the Bank’s structures, products and services
Developing professional expertise and credibility within business
Possess analytical and financial skills

Senior Credit Analyst Resume Examples & Samples

Review all pertinent credit and financial information, including reporting services, credit bureaus, and other companies
Determine the need for more thorough investigation or additional information
Analyze information statements and related materials
Responsible for performing the analyses for the most complex businesses such as health care, real estate, and other specialized industries
Prepare summary, present facts, and provides recommendation regarding credit-worthiness of client. Assign an overall risk rating to the credit request
Participate in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, collateral and guarantors
Monitor credit policy compliance by verifying adherence to the Commercial Credit Policy, and commenting on any risk associated with non-compliance
Responsible for the training of junior/newly hired Credit Analysts
May function as back up to Portfolio Manager when necessary
Participate in various Departmental projects associated with the Credit Function
Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits
May exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations
Minimum 3 years’ prior experience in one or more of the following fields: commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis
In lieu of a degree, a combined minimum of 7 years higher education and/or work experience, including a minimum 3 prior experience in one or more of the following fields: commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis
One year training/mentoring experience
3 years direct experience analyzing and/or underwriting complex residential real estate transactions (including acquisition and development funding for homebuilders, lot development financing for land developers, condominium construction/development, or similar transactions)
Ability to interact in a professional manner with all levels of personnel
In-depth knowledge of personal computers and related software programs and internal bank systems including Risk Analyst, AFS, CSS, CLAS

Senior Credit Analyst Resume Examples & Samples

Business-related Associates or Bachelors degree preferred
3+ years of related credit analyst experience needed
Systems: strong MS Excel and large ERP system strongly preferred
Prior experience within the manufacturing or technology industry

Senior Credit Analyst Resume Examples & Samples

Review all pertinent credit and financial information, including reporting services, credit bureaus, and other companies. Determine the need for more thorough investigation or additional information. Analyze information financial statements and related materials
Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, collateral and guarantors
Develop and maintain financial background information on present and prospective customers. Develop credit analyses for use by lending officers or committees in the making of lending decisions on new credit approvals and renewals
Minimum 2 years prior experience in one or more of the following fields: commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis
In lieu of a degree, a combined minimum of 6 years’ higher education and/or work experience, including a minimum of 2 years prior experience in one or more of the following fields: commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis
Strong MS Excel & MS Word skills
Working knowledge of internal bank systems including Risk Analyst, AFS, CSS, CLAS

Senior Credit Analyst Resume Examples & Samples

Approve credit / risk lines up to the approval level of the General Manager / Department
Review and provide a recommendation to Head Office or the Head of Region on credit requests above the approval level of the Department
Review and monitor the loan portfolio to maintain a balanced and quality driven asset base
Disseminate and ensure compliance with bank credit policy, regulatory requirements and local laws
Act as a point of reference and maintain a constructive and supportive relationship with the Branches for all credit and lending related matters
To carry out a thorough analysis of credit applications, mainly for project finance, structured finance / securitization programmes. Based on this, prepare credit reports and recommendations to Senior Management enabling a final credit judgment to be made. Where necessary, in order to gain a better understanding of the credit, attend bank meetings or make on-site visits
Monitor developments across allocated industry sectors identifying major risk factors and, after investigating any adverse developments that may affect existing clients / quality of book; bring these to the attention of Senior Management
To conduct credit reviews and assess internal ratings on a regular as well as on ad hoc basis

Senior Credit Analyst Resume Examples & Samples

Perform analysis on credit data and make recommendation on payment plan
Responsible for preparing credit report for decision making
Ensure timely preparation and consolidation of all adjustments and analysis of AR section and Allowance for Bad Debt
Ensure proper internal controls are in place especially in areas of credit policy and credit management

Senior Credit Analyst Resume Examples & Samples

Update the system in accordance with Credit decision; etc
Monitor changes in credit limit requirements and expiring limits and prepare credit limit review requests
Manage client data in operating system, ensuring correct groupings as per contract and appropriate trade codes
Ensure compliance to Credit Policies and identify the risk Process breaks
Provide coaching to different departments on risk processes
Manage, mentor and coach people in risk team
Actively participate in risk management related projects
Degree in Finance/ Economics
Proven Underwriting knowledge - detailed understanding of financial analysis and other factors influencing corporate risk
Proven experience in the leasing/banking industry, with a minimum of 3 years directly related experience
Ability to work and decide independently
Team work skills
EU work permit

Senior Credit Analyst Resume Examples & Samples

Analyze financial statements including balance sheet, income statement, and cash flow for credit worthiness
Inventory and AR balance analysis of customers
Analysis of tax returns
Approve commercial lines of credit from $100k to $10M with the majority in the $250k range
Prepare credit applications
Monitor collection activity and AR
Special projects

Senior Credit Analyst Resume Examples & Samples

Demonstrated knowledge of ability to analyze customer credit summaries and past due accounts
Thorough knowledge of and ability to apply financing and taxation principles
Knowledge of and demonstrated ability to prepare marketing reports and marketing related statistical reports
Thorough knowledge of marketing, credit and customer services concepts and techniques
Knowledge of CFSC financing and leasing products
Thorough knowledge of account collection procedures
Thorough knowledge of financing and leasing documentation principles
Thorough knowledge of billing, invoicing, and dealer payment principles and concepts
Thorough knowledge of UCC filing requirements and their applicability to bankruptcy laws and regulations
Thorough ability to concentrate on results while being flexible to achieve goals. Has a sense of urgency and willingness to accept accountability
Thorough ability to develop and maintain good interpersonal relationships working effectively with others inside and outside the company
Thorough ability to strive for quality as well as timeliness maintaining perspective as to the outcome of the decisions
Proven ability to learn and take proactive steps to increase knowledge showing a commitment to the business

Senior Credit Analyst Resume Examples & Samples

Prepare entity or region credit reporting, planning, and forecasting
Analyze credit exposures of an entity or region of a business unit
Understand trade finance and credit management
Perform credit-worthiness reviews on new and existing accounts
Develop and produce global reports to monitor Accounts Receivable performance against approved business unit credit limits
Prepare metric analysis and consolidated credit reporting
Partner with sales/commercial function on key business growth
Support the implementation of Corporate Credit Policies and audit compliance against them
Lead special projects to improve AR credit systems, reporting and processes
Review purchase orders for special billing instructions
Provide credit references
Support billing process and account maintenance
Bachelor’s degree in Accounting, Finance, Economics or related subject
Progress toward financial certification is preferred
Prior experience in commercial credit analysis and collection procedures
Ability to make credit risk assessments quickly with limited information
Understand general accounting principles, systems, practices
Superior customer relations and interpersonal skills required
Proficient in the use of Microsoft Office – especially Excel and Word
Knowledge of lien laws in Texas and Oklahoma is preferred
Comply with safety rules and regulations

Senior Credit Analyst Resume Examples & Samples

Manage an A/R portfolio to include timely and persistent collections, deduction reconciliation and dispute resolution, pursuant to company policies and procedures
Interface closely with various Departments in analyzing, collecting, and reconciling account discrepancies as well as providing support to the Sales group when necessary
Serve as a first line contact and mentor to an assigned group of credit analysts
Prepare and present various management reports including collection status and customer deduction/chargeback reconciliations
Monitor and ensure proper allocation of cash receipts by providing and/or obtaining supporting documents from the appropriate sources in a timely manner
Prepare recommendations on restructuring and negotiate settlement arrangements on delinquent accounts
Collaborate with your team as well as management to recommend and implement process improvements that will increase the efficiency and productivity of the department
Four-year College degree preferred
Strong collection and negotiation skills with 3-5 years of experience in a mass merchant or high volume consumer packaged goods environment
Demonstrated experience partnering with “Big Box” Retailers is a definite plus
Excellent written and verbal communication skills with ability to provide superior customer service
Detail oriented with solid analytical, research and time management (multi-task) skills
Strong sense of urgency to meet deadlines and achieve goals
Ability to succeed within a team environment as well as work independently with minimal supervision
Computer proficient with Microsoft Office products including advanced Excel and Word skills
Experience in AS400 and JDEdwards OneWorld/World preferred

Senior Credit Analyst Resume Examples & Samples

Reviewing legal documentation as it pertains to various provincial security acts to ensure transactions are properly secured
Developing and promoting programs and practices to support internal efficiency sales and operations
Providing input to other functional areas in the use of capabilities to maximize ROI and credit worthiness of portfolio
3 to 5 years knowledge of financial statement analysis
Minimum 5 years experience with MS Office (Word, Excel, PowerPoint)
FCI Certification

Senior Credit Analyst / Portfolio Manager Resume Examples & Samples

Degree in business administration, finance or related field
Minimum of 4-6 years of experience
Strong financial analytical, underwriting and accounting skills

Senior Credit Analyst Resume Examples & Samples

Customer credit analysis and collection activities for all EMEA business units
Receive, analyse and process new credit applications in line with organisation's credit policy
Analyse customer credit profiles and exposure, compare against policy to make risk driven credit decisions and balancing business benefit with risk
Manage the collection of receivables through direct or indirect customer communication, while maintaining a professional relationship
Follow-up on delinquent accounts through continuous follow-up with customers, Sales or Customer Service to obtain timely payment and/or timely dispute resolution

Senior Credit Analyst Resume Examples & Samples

Determine the need for more thorough investigation or additional information. Analyze information statements and related materials
Responsible for the training of junior/newly hired Credit Analysts. May function as back up to Portfolio Manager when necessary
Bachelor’s degree in Accounting, Finance or related field, or in lieu of a bachelor’s degree four years of relevant work experience
Minimum six years’ commercial credit experience or similar banking experience
Strong knowledge of accounting principles
In-depth knowledge of personal computers and various software programs such as Windows Word, Excel and PowerPoint, and internal bank systems including Risk Analyst, AFS, CSS, CLAS

Senior Credit Analyst Resume Examples & Samples

Provide extensive credit risk analysis and financial reporting to upper management on a commercial manufacturing receivables portfolio of $500 million
Perform financial trend analysis for determination and recommendation of credit extensions on commercial portfolios
Provide credit decision support and communicate credit concerns
Provide annual updates to Finance Manuals via Business Unit interaction
Evaluate extended terms program proposal for financial impact and implementation criteria; administer finance plans
Perform portfolio comparison analysis
Ensure audit compliance is met
Mitigate risk and bad debt losses and maximize accounts receivable collections via alternative security options
Partner with internal Legal counsel and Business Unit personnel to update risk mitigation guidelines and action plans based on business climate
Train, counsel, advise and communicate Credit Department policies and procedures to Company personnel
Develop Shared Service Center deliverables and track performance metrics
Provide master data governance across all customer ERPs
Manage the review and disposition of accounts identified in the MK Denial (government barred entities) process

Senior Credit Analyst Resume Examples & Samples

Review all customer orders, including EDI transmissions, to ensure necessary information needed is provided. Must check size scale, inventory, pricing/discounts, art issues and confirm order has accurate ship/cancel dates. Works directly with sales rep to rectify any problems that are encountered
Keep all of their assigned orders in a shippable status. Must work Problem Order Status Log (see attached procedure) each week. This will identify art issues, stock issues or scheduling problems that would prohibit the shipping of an order on time. Works directly with the sales rep to get problems resolved and get order into a shippable status
Problem solving to satisfy customers and SLD. This would include identifying batching opportunities, stock issues, and suggesting alternative colors/styles to fill an order. Work with internal personnel to solve issues originated by our customers and provide customer satisfaction that is acceptable for both parties
Assisting sales reps and customers. This would include, but not be limited to, expediting orders, confirming the status of an order, sending necessary supplies to a sales rep and assisting sales reps when they are traveling
Work with production facility to get orders shipped in a timely fashion. They are the voice of the customer in our building. They must answer questions in a timely manner in order to get shipments out on time and accurate
Extensive phone (see attached procedure) and email work. 90% of communication is done via phone or email. Must be extremely professional and able to handle stressful situations while remaining calm
Taking orders over the phone from dealers and sales reps. They must work with the customer to ensure they are placing an order for the correct merchandise and at the same discount level that is authorized
Work with credit department to rework customer orders to get in line with their credit limit
Helps research chargeback issues that are related to their assigned accounts. Supplies any support documentation that would help Group Athletica deny a potential chargeback issued by our customers
Research and issuing of return authorization requests for customers in their assigned territory. Goal is to process and reply to customer in less than 72 hours
Must be able to handle a high level of stress while remaining level headed and able to solve the issues at hand. Must be able to address questions concerns from their customers/sales reps while also being the point of contact for any Distribution questions or issues
Must work daily reports received each day to resolve issues that could prohibit the order from shipping on time
Must manage all aspects of their assigned dealers and sales reps
Professional phone manner/Customer Service is the voice of the company
Ability to handle multiple tasks at once
Computer knowledge recommended
Problem solving skills a must

Senior Credit Analyst Resume Examples & Samples

Your role will Conduct periodic credit facility renewal and maintain clear and updated documentation in all credit files including financial statements, financial spreading, credit applications, validation records, internal and external correspondence
It is critical to prepare and present credit applications to appropriate lending authorities for approval as well as to clearly identify both obligor risks & transaction risks arising from lease structure, collateral and documentations
As the specialist, you will recommend credit limits in a partnership relationship with marketers based on bank's risk appetite and client's credit profile

Senior Credit Analyst Resume Examples & Samples

Work as part of a multi-location team responsible for the full credit process pertaining to new and existing ABS and structured credit transactions
Conduct detailed qualitative and quantitative analysis using a variety of internal and external resources
Present transaction analysis to credit committee and other relevant risk committees
Support other team members providing guidance on relevant topics where necessary
Maintain a close working relationship with front office areas, finance and risk capital teams
Undertake project and support the implementation of any infrastructure enhancements
Ensure that risks are properly represented internally
Quantitative degree (further industry related qualifications advantageous eg: CFA)
Proven experience within a relevant ABS focused environment
Experience modelling and analysing CLO and RMBS structures
Good knowledge of regulatory matters pertaining to the ABS market

Cib Senior Credit Analyst Resume Examples & Samples

Prepare credit applications, including in-depth credit analysis, rating sheets and any other requested or required forms or information needed to complete a proper assessment of the customer/transaction
The application should identify the major trends, issues, risks, strengths and weaknesses of the customer/transaction, along with a complete assessment and recommendation
Review and/or preparation of legal documents in conjunction with the Legal Department or outside counsel
Prepare marketing materials and proposals (as required)
Respond to various customer requests
Mentor junior staff
Through industry knowledge, identify opportunities with both existing and prospect customers, and actively contact/market those customers to discuss these opportunities and others
Contact Agent Banks to seek new opportunities
Monitor all customers, with publicly available information, on a daily basis according to the monitoring policy of the Division
Evaluate customers/transactions for changes in risk and make recommendations on any risk rating changes or other measures to be taken
Complete risk rating review for each customer/transaction as required
Ensure covenants are adhered to and that all required customer information is obtained in a timely manner
Assist and coordinate booking requests and other administrative functions with the Administration Group of the Division and Middle and Back Office at Harborside
Assist Team Leader with other administrative duties within the team, as assigned
7-10 years credit experience in a financial institution within the Power & Utilities sectors
Strong PC skills, including knowledge of MS Word and Excel
Good interpersonal skills and a team oriented person

Senior Credit Analyst Resume Examples & Samples

Perform analysis on credit data, make evaluation on records and recommendation on payment plan
Ensure timely preparation and consolidation of all adjustments and analysis of AR section and Allowance for Bad Debts
Ensure the consistency between Brands in reporting, forecasting and planning
Handle some ad-hoc strategic analysis

Senior Credit Analyst, Citibusiness Resume Examples & Samples

Responsible for underwriting and assessing credit propositions and transactions submitted by Business Developers/Relationship Managers
Maintain overview on client performance and account conduct through periodic account reviews, Watch list and exception reports, monitoring reports, etc., and advice on any adverse developments and recommend corrective actions
Responsible for maintaining portfolio quality within acceptable levels and ensure credit parameters and thresholds are not breached/take corrective action prior to breach
Participation in client calls with Coverage team
Ongoing credit risk monitoring
Update housekeeping which includes credit filing, deferral tracking and monitoring various credit reports and MIS and take corrective action
CA/CMA/MBA (Finance)
Minimally 6 years of relevant credit or risk experience
Seasoned Relationship Managers with credit experience can be considered for the role
Possess strong analytical, interpersonal and communication skills, and be familiar with MS software applications such as Word, Excel, etc

Senior Credit Analyst Resume Examples & Samples

Prepares credit reports for bank officers
Develops credit information for use by lending officers or committees in the making of lending decisions on new, renewal, and extension loans
Reviews all pertinent credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches
Determines the need for more thorough investigation or additional information
Analyzes information statements and related material
Prepares summary, presents facts, and offers opinions concerning credit-worthiness
Assists in training junior personnel
Bachelors degree, or in lieu of a degree a minimum of four (4) years work experience
A minimum of three years credit experience
Working knowledge of personal computers and various software programs such as Word Perfect and Lotus

Senior Credit Analyst Resume Examples & Samples

Strong analytical skills and facility with Excel modeling
Strong verbal and written skills to articulate investment ideas
An understanding of basic fundamental credit and valuation methodology and the ability to apply those frameworks to new situations are critical to success
Ability, and willingness, to work on a variety of financial and real estate sector credits while applying a consistent analytical framework
Exposure and experience applying credit-analytic methodologies across a variety of firms and sectors
Knowledge of financial sector bank balance sheet analysis, some degree of bank accounting concepts, and prior experience with financial sector capital and regulatory frameworks are a plus, but are not initially required
At least three (3) years’ experience as a fundamental credit analyst either at a sell-side organization or at another investment fund
The position is located in New York City at the offices of Carlson Capital, LP

Senior Credit Analyst Resume Examples & Samples

Conduct credit risk analysis and provide recommendations on credit proposals for large corporate clients
Liaises with relationship managers and ensure credit proposals are inline with Bank's standards
Participate in various ad hoc projects

Senior Credit Analyst Resume Examples & Samples

Prepares detailed narrative and risk analysis of C&I/CRE/SBA loan requests in timely manner
Spreads and analyzes financial statements/tax returns, real estate spreadsheets, A/R & A/P
Maintains strong working relationships both internally and externally to obtain critical data
Provides personal and business credit reports, property values, and industry analysis
Completes due diligence for current and potential bank vendors and investment companies
Completes annual review for loans secured by income producing real estate properties
Regularly participates in bank vendor training and special projects assigned by manager as needed
Attends weekly MLC meetings to provide additional insight as needed to senior management
Trains and mentors new and current analysts as needed
Basic computer skills, including MS Word and Excel
Minimum Bachelor's degree (math, finance-related) or 3 - 5 years of equivalent related commercial credit and financial statement analysis experience and/or training
3 - 5 years of banking experience
Training in financial spreading software

Senior Credit Analyst Resume Examples & Samples

Bachelor or Master’s degree
Formal credit training at a major bank
7+ years of credit analysis experience
Experience in writing credit proposals and industry reports
Experience with Trade and Commodity financing

Senior Credit Analyst Resume Examples & Samples

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
The conclusion and recommendation based on a well-argued opinion to convince decision-makers that the deal is acceptable to the Bank
Formal Credit qualifications

Senior Credit Analyst, Municipal Fixed Income Resume Examples & Samples

Undergraduate degree in Commerce, Business, or Economics
Master’s degree in business, economics or finance an asset
CFA charter holder an asset
7+ years of municipal credit experience
Demonstrated success providing credit analysis and effective risk management
Excellent analytical and interpretive skills; capable of sourcing and identifying pertinent factors from large volumes of information
Excellent organizational skills; strong attention to detail and risk
Strong computer skills and comfort with applicable software packages
Able to maintain effectiveness, accuracy and performance in a fast-paced and demanding environment with multiple concurrent priorities

Senior Credit Analyst Resume Examples & Samples

In-depth financial analysis of counterparties
Comment on and approve day to day trade requests from front office
Evaluate and help structure complex multi-commodity transactions
Support negotiations and administration of credit agreements and trading lines based on ISDA, EFET, Scota, Siota etc. agreements
Monitor and manage a portfolio of counterparties with regards to credit exposures, potential future exposures and positions and changes in credit quality
Ensure compliance with Credit Policies and Procedures
Develop and maintain relationships with Counterparts, Financial Institutions, System and Grid Operators and internal stakeholders on a global basis
Occasional business travel for credit due diligence is required

Senior Credit Analyst Resume Examples & Samples

Conduct first level credit analysis for corporate counterparts by preparing concise, critical and well argued credit proposals
Recommend credit limits in a partnership relationship with marketers based on bank's risk appetite and client's credit profile
Conduct periodic credit facility renewal and maintain clear and updated documentation in all credit files including financial statements, financial spreading, credit applications, validation records, internal and external correspondence
Expedite and monitor the credit approval process by liaising with marketers and approval officers
Review and assess client's credit risk rating at least annually, or as driven by special events, based on internal and external ratings and analytical tools
Follow up and improve on audit and internal credit compliance issues
Monitor credit exposure, concentration risk, verify data accuracy, credit commitment and outstanding
Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients

Senior Credit Analyst Resume Examples & Samples

Ability to prepare detailed financial models, analysis, and recovery scenarios
Skilled at evaluating complex credit documentation including indentures, credit agreements, and other legal/regulatory issues
Knowledge of current events/trends impacting business issues
Highly motivated team player, with strong work ethic and attention to detail

Senior Credit Analyst Resume Examples & Samples

Support the TDEF Sales Reps in booking new business for the direct portfolio, for example, by reviewing term sheets (>$1MM), credit underwriting, draw requests and preparing letter approvals in a timely manner
Send copies of draw request approvals to Assistant Account Manager for lodging in CARMA Sales
Participate in sales pipeline meetings with team (optional)
Actively refer to other business partners both within Business Banking and across TDBFG and respond effectively to reciprocal referrals
Effective use CARMA Sales and CARMA Credit
Ensure products and services are sold and operate in a compliant manner minimizing the regulatory compliance and operational risk to the Bank. Complete all compliance training and attestations within required timelines
Prepare credit applications (Full write-ups for direct deals & Credit Addendums for complex/CNA shared) with a high quality of risk assessment, credit structure, due diligence, and credit presentation
Make recommendations on credit decisions to AVP Credit and Compliance TDEF
Track and follow for all outstanding reporting in order to complete annual reviews
Renew credits in a timely manner, meeting targets for expired credits
Maintain exception reporting spreadsheet on shared drive
Understand the market and the industries within the portfolio to ensure value added service is provided to clients while mitigating risk to the Bank
Manage flow of Direct CARMA approvals as required to CSOs for programming into Leasepath
Be knowledgeable in accurately applying credit assessment tools
Be knowledgeable of and comply with Bank and Industry Codes of Conduct
Oversee the management of the assigned lease portfolio to ensure they are appropriately monitored and remain within guidelines
Meet customer expectations for turnaround time and request to be included in direct due diligence with customer
Support all aspects of relationship management for an assigned portfolio by consistent application of all aspects of the Better Business Banker
Structure creative competitive solutions to meet customer needs
Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities
Enhance TDBFG brand by participating at network events in your community – be the face of the bank
“Deliver the Bank” by recommending, introducing and referring appropriate TDBFG Business Partners and Products
Constantly build knowledge of the market, assets financed, customers and broader economic factors
Embrace and promote a positive environment that supports a diverse workplace
Actively participate in the performance management process including performance reviews, feedback and coaching sessions as well as performance and development discussions
Seek knowledge both formal and informal in line with PDP objectives
Lead, support, mentor and provide guidance to your Team (AAMs and CSOs) including training support for Associates, Analysts and AAMs
Be supportive of the CSOs by providing timely responses and complete information
Support Assistant Account Managers as required, in order to exceed customer expectations
Be a subject matter expert and openly share knowledge with peers, co-workers and Commercial Banking Centres
Develop a network of contacts within the Bank that will assist in improving underwriting and service skills

VP-senior Credit Analyst Resume Examples & Samples

Building and maintaining Microsoft Excel models
Tracking credit developments
Interviewing borrower management about business and financial strategies
Interacting with underwriters and issuers on the latest securities offerings
Monitoring opportunities through frequent meetings with portfolio managers
Making investment recommendations
Ten or more years experience analyzing municipal sectors from a credit point of view
Experience with the hospital sector strongly preferred
Bachelors degree required; MBA or CFA preferred

Senior Credit Analyst Resume Examples & Samples

Analysts will be expected to identify, assume and manage credit risks and work effectively with investment team members
Analyze all sectors and issuers within the high yield municipal market
Maintain appropriate and required documentation in database supporting internal credit opinions
Actively recommend changes to issuer specific credit ratings and outlooks
Perform special projects as required by the credit and portfolio management team
Actively communicate with portfolio management and trading teams
Develop relationships with underwriters, sell-side research, credit rating agencies, and industry organizations
Perform due diligence site visits and attend industry conferences as appropriate
Actively participate in the credit committee process
Ideal candidates will have at least 10 years of experience performing fundamental credit analysis with direct experience related to high yield municipal bonds strongly preferred
Communication, written and inter-personal
Desires excellence
Exhibits integrity
Maintains client and fiduciary focus

Senior Credit Analyst Resume Examples & Samples

Analyze multiple sectors and issuers within the investment grade municipal market
Actively communicate with portfolio management, trading teams and senior management
Develop relationships with underwriters, sell-side research, credit rating agencies, professionals of municipal bond issuers and industry organizations
Attend industry conferences as appropriate
Ideal candidates will have at least 8-10 years of experience performing fundamental credit analysis with municipal bond experience strongly preferred

Senior Credit Analyst Resume Examples & Samples

Your role is mainly responsible for the credit proposals and implementation of credit policies and assesses their creditability and set credit limits
It is critical to improve risk result and risk quality in order to ensure a well-balanced situation between risk and earnings
As the main point of contact you will provide advice and guidance to business on credit related issues and identify potential risks as well

Senior Credit Analyst Resume Examples & Samples

Bachelor’s degree in Finance, Accounting, Economics or related
Proficient in MS Excel and other MS Office Suite systems
SAP experience plus!

Gcg-senior Credit Analyst Resume Examples & Samples

Product coverage includes all MSBF (including currency trading products) and insurance premium finance
Conduct Mark to market for MSBF and Insurance Premium Finance portfolio on daily basis
Take timely action as per credit policy
Ensure timely reporting in line with established policies and procedure
Evaluate credit transaction request for approval/recommendation
Assist in managing policy/program for Margin and Securities Backed Finance (MSBF) and Insurance Premium Financing (IPF) portfolio that establish the framework for product risk management
Assist in regulatory and internal MIS/Portfolio monitoring process
Analytical skill and ability to interpret MIS and continuously upgrade on the same as per risk management need
Ensure accuracy, operations/systems adequacy and compliance to policy for Mark to Market and Margin Call processes
Involve in regulatory and internal portfolio stress testing
Contribute to system changes, testing stages for system cutovers impacting Investment Secured Lending product
Ideal candidate will have a degree holder with at least 4-6 years of work experience
Knowledge of investment products, trading products, wealth management, systems and key processes would be desirable
Good Analytical skills are mandatory, programming knowledge will be helpful
Prior work experience in Operations, Risk Management, Analytics and wealth management will be an added value
Good communication skill (verbal and written) and able to interact well with business and risk management seniors

Senior Credit Analyst Resume Examples & Samples

Responsibility for assigned accounts and performing evaluation of credit risk analysis
Processing of new credit applications, review of company’s financial statements, and assign lines of credit
Discrepancy resolution and variance analysis
Monitoring of accounts to review delinquent situations
5+ years’ experience in of B2B credit or collections experience
General Accounting and bankruptcy law knowledge
Knowledge and understanding of Microsoft Excel

Senior Credit Analyst Resume Examples & Samples

The Sr. Credit Analyst position is responsible for preparing credit memoranda for complex lending relationships in the Commercial and Industrial sector as well as significant real estate investments including REITs and national credits
Strong ability to analyze data, draws conclusions, solve problems independently and make recommendations, reports and presentations
Minimum five years of related and increasingly responsible credit underwriting demonstrating a strong understanding of financial statements, particularly C&I with a strong commercial credit background
Credit Analyst is expected to leverage the Lender's and Department Head/Group Manager's time by analyzing and underwriting credit requests with little supervision
The Sr. Credit Analyst may be tasked to work closely with a small group of analysts within his/her lending team to review work and establish priorities
Ability to interpret policies and procedures, financial statements and credit reports with strong analytical skills
Flexibility and willingness to assume responsibilities for projects and tasks assigned by the department manager, SCO and CCO, i.e Watchlist, stress testing, and asset based lending, etc
Coordinate and manage outside support and projects with Bank vendors, i.e. Experian, LexisNexis, and Credit Quest
Mentor junior credit analysts and assist in departmental training
Participate in process improvements and automation/enhancements to current activities/tasks
Follow RMA Code of Ethics in all exchanges of credit information with outsiders
Ability to manage and prioritize numerous projects simultaneously in a time sensitive environment
Excellent communication skills: written, oral and interpersonal

Senior Credit Analyst Resume Examples & Samples

University graduate preferably with master's degree
At least 7 years of working experience
On-the-job knowledge in mortgage, consumer lending or credit card risk management
Must have reasonably good local industry and consumer banking field connection
Strong analytical skills and proficiency in quantitative methodologies
Strong business sense, with the ability to balance revenue and risk in designing credit policy to support business growth
Leadership and people management skills
Ability to manage multiple projects, problems and ambiguity and also manage situations caused by non-controllable factor

Senior Credit Analyst Resume Examples & Samples

You will be responsible for analysing company accounts and financials to make an independent assessment for SME clients
Be confident in your ability to resolve complex credit situations and push back when needed
Monitor portfolio risk by identifying major industry risk factors
Analysing and quantifying credit risk profiles
Investigate any macroeconomic trends that may affect VAR
Analyse applications received for commercial banking products (loans and overdrafts)
Identify, analyse and address high risk situations
Provide support on daily margin activity
Strong understanding of corporate and commercial credit principles
You must be comfortable with providing training as and when needed to more junior staff, paying particular emphasis to efficiently processing credit applications and highlighted key credit risk issues that can arise
University degree in Finance or Business
Proven track record in Credit within Banking or Financial services (minimum 3 years)
Prior experience within FX/Derivatives an advantage
Strong/advanced knowledge of Microsoft, Excel etc to assess data and present
Demonstrate problem solving and an analytical mind set
Have excellent attention to detail
Be comfortable working on your on initiative
Thrive and be comfortable working under pressure

Senior Credit Analyst Resume Examples & Samples

5-7 years of credit experience in a Community Bank
CRE and C&I loans up to $10MM-12MM
Formal credit training
Ability to mentor and lead a team of junior analysts

Senior Credit Analyst Resume Examples & Samples

Analysis of P&L, Balance Sheet, Cash Flow forecasts
Conduct business and financial analyses of counterparties
Market study and business analysis for global airlines to evaluate the baseline and potential for aircraft
Challenge credit recommendations and proposed transactions
Continuous monitoring of existing and future airline clients
Handling communication with various teams for agenda and timing of credit committee

Mam-senior Credit Analyst Resume Examples & Samples

Building and managing a team of credit analysts whilst maintaining primary responsibilities for a portfolio of credits
Developing relationships with a broad range of stakeholders – both internal and external
Contributing to the ongoing evolution of our investment process
Gaining and analysing information on relevant industries and companies within your sector
Reviewing and understanding financial documentation
Financial modelling of relevant transactions in your sector
Formulation and communication (written and verbal) of security recommendations
Monitoring security performance and assisting in portfolio management decisions
Assisting with client queries coming either directly or from the Product Management Team
At least 10 years experience as a credit analyst gained in funds management, the sell side, a ratings agency, or within a bank with a strong track record of analysing European investment grade and high yield bond issuers
Experience managing a team
Be highly numerate, with exceptional analytical and financial modelling skills. Have a sense of curiosity and investigative drive, as well as sound business judgement
Have well developed investment decision making capabilities, and the ability to communicate conclusions clearly and succinctly both orally and in writing
Sound presentation skills and experience in delivering to internal and external audiences
A passion for, and good understanding of, financial markets especially in fixed income
A strong level of drive, initiative, commitment, and dedication
Excellent time management skills and the ability to multi-task
A demonstrable track record of using unconventional and creative solutions to solve problems

Senior Credit Analyst Resume Examples & Samples

Proven experience in regulated financial services environment with a good understanding of the risk issues impacting financing activities
Excellent understanding of German regulatory requirements
Ability to demonstrate an understanding of the need to balance commercial and regulatory risk
Established credibility and experience interfacing with senior leadership
Experience interfacing successfully and effectively with prudential and other regulators
Ability to function independently and effectively as a member of both business teams and the assigned risk organizatio
Ability to juggle and successfully address competing high priority matters
Detail oriented and well organized

Senior Credit Analyst Resume Examples & Samples

This position requires Credit Qualification. The incumbent must possess an in-depth level of Credit knowledge and skills and a working level of Portfolio Management knowledge and skills according to the standards established within the Credit Qualification Process Policies & Procedures
Graduate Degree in Finance, CPA, CFA, or MBA, or 6-10 related work experience in loan portfolio management, lending, or risk management
Experience with loan workouts preferred, identification of early warning signals and management of problem accounts
In-depth knowledge of P&C . banking products and services
In-depth knowledge of all phases of effective credit administration
In-depth knowledge of loan documentation
In-depth knowledge of underwriting guidelines, policies and procedures
Working knowledge of Basel risk rating methodology and AIRB Basel II requirements
Working knowledge of Capital Markets Trading Products (e.g. interest rate swaps and foreign exchange), evaluation methodologies and replacement risk excesses and violations
Working knowledge of banking industry trends, regulations and relative means of governance
Expert communication and relationship management skills
Planning and organizing skills and ability to manage multiple priorities
Superior credit analytics and risk evaluation skills
Excellent judgment, logic and reasoning
Knowledge of and ability to execute Risk Management practices and strategies

Senior Credit Analyst Resume Examples & Samples

50%Perform and maintain credit analysis of counterparties. Perform industry analysis as needed. Deal/transaction reviews and understanding of trading structures, underwriting assumptions and business risks
20% Actively participate and/or prepare weekly, monthly, and quarterly credit and risk reports for use by Risk and TSF Management
20%Understand current credit and risk assessment tools, risk measurement and rating methodologies, including their underlying assumptions and potential weaknesses. Challenge assumptions used in the application of the credit and risk methodologies based on understanding of the TSF Business
5+ years of financial credit analysis and business work experience
Spanish language working command both verbal and written
Ability to lead the process, work independently, with little oversight and handle multiple demands
Ability to ask relevant, informed and intelligent questions about transactions, structures, relationships and risks
Negotiation and conflict resolution skills. Maintain and nurture relationships with peers, traders and managers while retaining the ability to challenge them
Strong computer skills, proficiency with Excel, familiarity with accounting and position keeping systems

Senior Credit Analyst Resume Examples & Samples

Knowledge of the business/industry products/services that are being marketed, supports the strategic direction, and understands existing policies and procedures to ensure compliance
Maintain risk awareness through solid credit analysis of a strategic international portfolio. Evaluate credit risk, make recommendations on credit limits on new and existing accounts
Follow up established procedures on collection and dispute resolution activities, ensuring past due and collection goals are achieved. Activities include establishing and maintaining contact with customers concerning past due invoices, payment trends, resolution of disputed invoices, and other matters related to past due receivables
Interface with a variety of functional areas at various business sites related to customer disputes, invoice copies, proof of delivery, contract/PO issues, etc
Complete monthly cash collection forecasting and past due reporting on a portfolio of accounts
Attend weekly cash calls and following-up on all outstanding action items
Review global tax withholding submissions
Participate as a member of various customer account teams
Establish and maintain a good working relationship with all levels of the business
Conduct business in a manner that promotes both internal and external customer satisfaction
Minimum 5 years of credit and collection experience
Bachelor's degree in Accounting, Finance or Business
Minimum 3 years multinational experience
Directly related experience in finance or accounting and in progressively responsible positions
Strong knowledge of accounting principles, credit and collection policies and procedures, and credit risk
Strong problem solving, interpersonal, and financial analysis skills. Goal oriented, motivated self-starter, with excellent organizational skills and the ability to handle multiple tasks
Excellent oral, written, and presentation skills with the ability to deal tactfully, confidently, and ethically with both internal and external customers required
Strong PC skills in Excel, and experience with other Microsoft Office products: Word, PowerPoint, Outlook, etc; along with SAP

Senior Credit Analyst Resume Examples & Samples

Seven or more years of experience in corporate or commercial credit analysis
Extensive credit analysis, investigation and decision making skills
Thorough knowledge of accounting
Strong working knowledge of economics and finance
Highly developed oral communication skills
Strong computer skills [Word, Excel, Access, internet research]

Senior Credit Analyst Resume Examples & Samples

Close interaction with other teams in particular Trading teams, Trade Finance and Structured Trade Finance
Annual and interim reviews of counterparts
Negotiation of credit lines in favor of Trafigura
Documents negotiation with external clients
Occasional travel to meet counterparts as requested by traders or credit heads
University degree with further education (CFA, CPA, Alternative Investment)
Basic knowledge of the commodity business
3 – 5 year experience in the credit department ideally of a bank or trading company
Good analytical skills as well as credit risk understanding
Ability to motivate and explain credit decisions
Excellent knowledge of English, Spanish and Portuguese languages

Senior Credit Analyst Resume Examples & Samples

An energy specialist with proven credit risk experience with knowledge in one or more sub-sectors
A person who is able to build bridges without losing sight of the content
Furthermore an applicant who has the ambition to spend at least 3 years within the department

Senior Credit Analyst Resume Examples & Samples

Looking at new credit risk proposals
Managing relationships with a range of Internal/External stakeholders
Liaising with front office ensuring there is enough room on the credit risk system and addressing their concerns
Limits are approved on a global basis but need to be mindful of local risk appetite
Stakeholder groups include: front office, short term markets (Stock lending, Repo, derivatives team, FX) on one of the platforms, plus ALM team responsible for banks liquidity who request if they can buy covered bonds
Background in credit risk - Familiar with bank balance sheets
Understanding of the credit rating process and know how they work
Awareness of planned regulatory changes
Understanding legal documentation - CSA ,CDEAs , GMRA, GMSLA,
Ability to work and exercise sound judgement within a trading environment
Strong communications skills both written and verbal - able to deliver to all levels of seniority

Senior Credit Analyst Resume Examples & Samples

Implement and improve domestic and international credit and collection processes and procedures
Provides guidance to sales, order management, customer financial service, operations, and general management on credit goals, objectives, processes, procedures
Mentor, train, coaches, and develops ISSC department employees and provides guidance to help increase their performance
Negotiates payment terms and conditions with external customers and Hydraulics management
Implements and improves processes and operational procedures
Analyzes financial statements and reviews credit reports to support extension of credit and recommends strategies for creative credit solutions
Conducts both internal and external customer meetings and problem resolution sessions
Monitors financial risk of receivable portfolio and advise hydraulics management of changing bad debt reserve requirements
Conduct presentations at marketing/sales meetings, customer meetings, department meetings, and training workshops
Help with Strategic planning, develop short term and long term goals, and individual employees
Bachelor’s Degree from an accredited institute
3 years of credit and collection experience
Must live within 50 miles of Eden Prairie, MN
Bachelor’s Degree in Finance, Accounting, Economics or Business
Negotiating skills
Effective writing and communication skills
Microsoft Office, Internet, and related computer skills
Letter of credit and other export credit security and knowledge
Commercial sensitivity, business acumen, and good judgment
Mentoring, leadership, and motivational skills
Legal and security claim knowledge
Order Management and Accounts Receivable Systems' Skills

Senior Credit Analyst Resume Examples & Samples

75% Analyze customer financial conditions. Minimize bad debt risk, maximize accounts receivables collections. Assist with order management inquiries. Analyze financial statements to identify credit risk and recommend credit limits
25% Provide financial order management support to Supply Chain and Sales personnel to control credit exposure, effect timely payment, and minimize risk of customer disputes
Maintain accurate credit files. Maintain electronic collect notes for each customer account
Participate in major department projects and take an active role in cross-functional teams to assist in driving quality improvements, processes, and initiatives
Bachelor degree required in administration, Accounting/Finance preferred
Effective business writing and professional communication skills
4-5 years of experience in credit analysis, utilizing Microsoft Office, Internet, and related computer skills
Experience with direct reports/or leading-couching personnel
Proficiency in English Level B2

Senior Credit Analyst Resume Examples & Samples

Significant underwriting knowledge - detailed understanding of financial analysis and other factors influencing corporate risk
Sound and Consistent experience in the leasing/banking industry, with some directly related experience
Proven experience in coordinating peers' activities

Senior Credit Analyst Resume Examples & Samples

Assesses the credit risk and financial strength of new and existing counterparties while continually monitoring appropriate industry sector developments
Negotiates and administers the exchange of corporate guarantees, netting agreements, and Letters of Credit, used to mitigate counterparty risk
Monitors and manages counterparty credit exposures on regular basis to ensure compliance with established credit limits
Approves pre-trade contract limits and thresholds for OTC trading activity
Administers all necessary documents and analysis needed to obtain trade credit insurance
Maintains current knowledge of relevant contractual procedures and practices
Negotiates credit terms in financial agreements (ISDA, MSLA, and MSFTA)
Collaborates with the Risk Desk on collections of bad debt resolution
Provides monthly credit reporting to Risk Management Committee
Ensures compliance with CFTC, SEC, FINRA, NFA, SIPC and other regulatory rules, and internal corporate policies
Builds and sustains professional relationships with both internal and external customers
Develops credit reporting requirements and acts as liaison with the systems support team

Senior Credit Analyst Resume Examples & Samples

Facilitate collaboration across various functional Credit teams to ensure all areas of a project are inventoried and cared for
Conduct requirement gathering meetings to collaborate and analyze partner needs
Focus project execution on bringing together the best of Verizon across all business units to drive revenue growth, reduce waste, and expand margins
Maintain subject matter expertise in assigned project’s domain and coordinate with other Credit team members as needed
Partner with Bill to Cash (B2C) Portfolio Management team on projects impacting Credit Strategies
Represent the business partner’s interests by being the voice of the business throughout all project activities
Bridge communication between technical and non-technical staff and clients to clearly articulate a system solution to all business partners and IT partners
Support roadmaps and system evolution for all credit related initiatives, ensuring that projects are delivered in the sequence and timeframe to meet the rapidly changing needs of the business
Assess all proposed activities and outcomes to ensure they improve the customer experience and remain aligned with Company and Credit team goals
Maintain project plans, documentation, and project activities in a comprehensive manner to support the reporting on various status updates and executive presentations
Engage and Partner with UAT leads to ensure that Credit impacts are thoroughly tested so that approval to IT can be provided by collaborating on acceptance testing criteria; documenting test cases and taking necessary actions to address deficiencies
Partner on initiatives or projects to identify cross functional impacts and ensure they are addressed timely to promote a successful project launch or iteration release
Partner with the business to develop business cases using a comprehensive framework to help leadership prioritize projects
Lead or support projects using sound project management techniques including tracking, monitoring, and measuring project effectiveness and intended business savings
Accountable for establishing a strong relationship with our business partners for strategy improvements, new strategies, and initiatives

Senior Credit Analyst Resume Examples & Samples

Evaluate credit facility requests raised by CRMs or BLs according to bank’s risk appetite and strategy
Back up and support other credit analysts where needed
Experience of credit analysis in commodity sector is definitely preferred
8-year working experience in banking industry
5 year experience working with commodity sector/ commodity portfolio preferred
Good knowledge on commercial banking products
English/Mandarin – Fluent in both speaking and writing

Senior Credit Analyst Resume Examples & Samples

Degree holder or above, preferably in Finance or Accounting
At least 5 years experience in credit risk management - ideally in Chinese and Hong Kong large corporates
Professional qualifications such as CFA, FRM or CPA will be a plus
Strong communication skills with fluent English and Chinese languages

Credit Analyst / Senior Credit Analyst Resume Examples & Samples

Prepare Credit Proposal enabling the Credit Committee to make an informed decision
Deliver a complete and coherent counterparty and credit risk analysis, based on facts and in compliant with the Bank’s guidelines. Tasks include gathering of client information, preparation of financial spreading, cash flow projection modeling, industry analysis, peer comparison, etc
Present credit proposals jointly with Relationship Manager in Local Credit Committees
Support the Relationship Manager in all credit process-related matters, make sure the Bank’s credit policies and procedures are well complied with
Monitor clients’ credit evolution and immediately alert Management for any early warning signals. Timely update financial spreading, regular compliance check on financial covenants, stay alert of market news and rating evolution of the clients
Share information and develop industry intelligence
Other duties assigned by Management from time to time
ACCA or CFA qualification a plus

Senior Credit Analyst Resume Examples & Samples

Research and reconcile deductions for an assigned portfolio of pharmaceutical wholesale accounts
Monitoring credit limits and orders on hold for an assigned portfolio of accounts
Manage all account inquiries on invoices, credit memos and payments
Liaison between internal and external management teams to troubleshoot and resolve issues that cause deductions and or delays in payments
Reconcile customer accounts; matching offsets, identifying on account payments, following up on credits for outstanding deductions
Process adjustments for write-off’s for approval upon research
Process requests for credit limits based on recommendation per credit check; D&B, Experian and other credit reporting agencies
Assist in month-end process as needed; provide bad debt recommendations on aged receivables, open deductions, credits or on account payments
Assist in acquisition activities related to AR as needed; such as collecting and reconciling acquired receivables
Assist in SOX audits, support credit management as needed and follow SOP’s pertaining to SOX compliance
Assist in system enhancement/conversion testing as needed
4 plus years of account reconciliation experience with pharmaceutical wholesalers
Bachelor’s degree in Accounting, Finance or related business discipline preferred
Strong Excel skills a must, including the ability to do pivot tables and Vlookups
Strong communication skills, able to interact with both internal and external management
Strong deduction management experience
Able to work in fast-paced environment
Sound judgment with exceptional problem-solving skills
Flexible and able to adapt with change
Organized and works well under pressure

Senior Credit Analyst Resume Examples & Samples

Contribute to the implementation of operational permanent control policies and procedures in day-to-day business activities, such as Control Plan
Comply with regulatory requirements and internal guidelines
Contribute to the reporting of all incidents according to the Incident Management System

Senior Credit Analyst Resume Examples & Samples

Underwrites new transactions or modifications of the existing transactions. Transactions frequently will be medium to large, complex and may involve project finance, construction finance, syndications, domestic and cross-border facilities
Formulates and prepares credit analysis and proposal to identify, assess and mitigate all material risks associated with the new transaction or the existing transaction modification request. Identification of material risks requires substantial critical thinking, research, and consultations with advisors in various areas. Risk elements may include, but are not limited to, industry sectors / markets in specific countries; technology; country political, sovereign and regulatory risks; and risks related to third party contracts to which the customer is either a party to or can be impacted by. Analysis scopes include profitability and cash flow analysis; financial modelling and forecasting of future pro forma financial results
Approves / rejects proposed transactions / modification requests within established credit authorities and recommends deals beyond credit authority
Recommends the optimal structuring of the new transactions or the existing transactions modification conditions
Visits existing and prospective financing customers to gather pertinent information for the initial underwriting, as well as maintain a valid risk profile on existing large transaction customers. Performs reviews and assessments of existing transactions to ensure the relative risk rating and overall portfolio quality has not deteriorated
Conducts and monitors Know Your Customer requirements / credit investigations. Manages the loan covenant compliance process and various loan retention accounts during the term of the loan
Participates in accomplishment of continuous improvement objectives for the department. Leads / participates in departmental and cross-departmental internal projects and products development
A 4-year college or university degree in any discipline and a minimum of 4 years exempt experience with significant exposure in credit underwriting, preferably related to either project finance or syndications and M&A with further desirable exposure in dealing with transaction related to marine/ power generation/ oil & gas industries. Previous work experiences must be progressively increasing in responsibility and accountability with demonstrated aptitude to gain relevant knowledge, skills, and abilities
Advanced knowledge and proven ability to perform project finance and/or syndication transactions structuring and credit analysis; to create and analyze financial and cash flow models
Advanced knowledge of key financial concepts related to loans, leases, senior and subordinated debt
Demonstrated ability to apply knowledge and ability to analyze problems, make decisions, and take measured risks, using available data. Has a sense of urgency and willingness to accept accountability. Proven ability to develop and maintain good interpersonal relationships, working effectively with others inside and outside the company. Advanced analytical, writing, communication and teamwork skills

Senior Credit Analyst Resume Examples & Samples

Reviews financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower and guarantors
Produces Pro-Forma analysis assessing the borrower/guarantors ability to repay current and proposed debt obligations
Completes written analysis on substantial lending decisions including preparation of the credit authorization package for SLC/DLC discussion
Fosters a strong working relationship with the Lenders and Portfolio Managers
Delivers recommendations on loan structure, loan monitoring and other lending related matters
Creates recommendations on approval or declination of loan requests
Must be familiar with appraisal process and understanding of environmental impacts
Provides mentorship to less experienced analysts
Works with FIMAC analytic or other Stress testing software, report formulation
Prepares analytics on the loan portfolio for the benefit of Senior Management as needed
May serve as a back-up for the Senior Credit Officer

High Yield Senior Credit Analyst Resume Examples & Samples

The candidate will be responsible for providing investment opinions and trade ideas for high yield bonds and leveraged loans
Looking for coverage across a range of sectors but experience in the healthcare sector is preferable
Functions include updating historical financial models, building out projections, maintaining comparative company analysis, relaying information from conference calls, industry conferences and discussions with management teams and developing investments theses and trade ideas
Bachelor degree in Finance, Economics, Statistics, or Mathematics with superior academic record
7+ years of relevant and similar experience working as a research analyst
Strong financial modeling, analytical and communication skills are paramount
Proficient in Excel and Powerpoint

Senior Credit Analyst Resume Examples & Samples

European Language is strongly desired
Proven track record in Credit within Banking or Financial services
Prior experience within FX an advantage

Credit Analyst / Senior Credit Analyst Resume Examples & Samples

Performs credit analysis on end-user financing customers, incorporating company policies, promotions and programs into the decision making process, with the goal of fostering the sale of PACCAR products
Reviews and approves, modifies or declines retail collateralized transactions within established credit authority, and communicates decisions to dealer
Responsible for timely and accurate disposition of all assigned credit proposals
Prepares fleet credit proposals for management review as assigned
Follows up on completed applications to ensure capture of business
Performs retail and wholesale financial analysis as assigned
2-5 years of asset based underwriting or related experience. Knowledge of credit and finance functions a bonus
Must possess strong analytical and decision-making skills
Demonstrated oral communication and negotiating skills
Financial statement analysis and interpretation skills
Strong business writing skills

Senior Credit Analyst Resume Examples & Samples

Bachelor’s degree is a must, and Master’s degree is preferred
At least 3 years of work experience in consumer credit/risk/analysis areas
Strong analytical & problem solving skill, as well as proficiency in quantitative methodologies
Disciplined, self-motivated and able to work under pressure

Senior Credit Analyst Resume Examples & Samples

80% Portfolio anaylsis and monitoring
Perform credit risk analysis and due diligence on counterparties and propose adequate limits. Review the limits set as necessary
Understand and assess the risks associated to the transactions entered into with the various counterparts and take these risks into consideration while assessing the limit needs
Work closely with legal/Trade Structure Finance teams to propose and develop risk mitigation, deal structuring tools and solutions for highly complex deals/structures
Conduct review and analysis of countries and sectors in which the counterparty operates that could have potential impact on counterparty risks (regulation, market, main actors, etc)
Provide surveillance on assigned portfolio and notify the Credit Manager as well as Business Controller of any significant deterioration in counterpart credit profile or exposure changes
Actively participate to the Business Unit credit risk meetings by presenting high and risky exposures to the Business management and generating constructive discussion around these various risks
Work actively with the commercial teams to monitor the over limit and high risk exposures in order to take the necessary actions to mitigate risks and follow up on the action plans
Develop and maintain good relation with business partners of the managed portfolio
Actively collaborate with the other credit analysts when counterparts are shared across different locations
Develop relationship with external suppliers/customers/brokers on assigned portfolio
10% Compliance and reporting
Ensure compliance with the different Cargill credit related policies
Reporting : prepare on a monthly basis the weekly and monthly reports and actively communicate this information internally to the various credit stakeholders
Creation and maintenance of counterpart data in the various credit systems
10% Participate in the Credit Team intiatives
Participate actively in special projects that may arise within the credit team or business
Bachelors Degree or equivalent, Master a plus
Minimum of 3 to 5 years experience in a credit analysis or financial role within trading or financial environment
Self-starter, ability to manage own workflow and priorities during a fast-paced work environment
Knowledge of freight and/or grains/oilseeds markets
Ability to identify issues and risks, establish facts, collect data and draw valid conclusions
Must be a strong communicator able to work cross-functionally and synthesize detailed information
Ability to adapt to changes and high level of initiative
Willingness to contribute to broader Credit function initiatives
MBA or CFA

Senior Credit Analyst Resume Examples & Samples

Perform credit underwriting for large fleet customers, identifying the risks in a customer’s financial profile and the structure of the transaction
Maintain complete ownership of assigned fleet customers which includes, but is not limited to, timely review of new credit requests, thorough review of financial statements, monitor financial covenants, obtaining current financial information on a quarterly basis, and addressing existing/projected credit lines
Analyze and interpret financial statements and data, credit reports, other underwriting documents, and prepare formal written credit proposals
Effectively communicate and interact with customers, with a focus on obtaining the necessary information to thoroughly understand business operations, the financial condition of the company, and prepare appropriate recommendations/decisions
Manage the fleet credit process to determine priorities and ensure satisfactory turnaround time
Ability to work well within a team and successfully interact with multiple internal and external stakeholders, including peers, credit staff, sales personnel, dealership personnel, and senior management
Reviews and approves requests for financing within established credit authority
Assist with developing technological solutions to improve existing processes and overall portfolio management functions
Manages self independently often with remote and non-direct supervision
Acts with integrity and adheres to PACCAR’s high ethical standards
BA/BS degree in finance, business or related field required; MBA or equivalent experience preferred
Five to eight years credit underwriting experience required, including workout experience; commercial equipment lending experience preferred
Strong oral and written communication skills, presentation skills
Excellent analytical skills required along with strong negotiating and leadership skills
Good planning, organization and decision-making skills
Sales and collection experience strongly desirable
Ability to interact effectively with all levels of management internally as well as externally with dealers and customers
Proficient in standard PC applications such as Microsoft Word, Excel, PowerPoint, and Access
Proficiency working with data
Customer service oriented and ability to think critically and solve problems

Senior.credit Analyst Resume Examples & Samples

UCC and lien filing
Completion of lien waiver documentation
Enforces credit policy and assure adherence to accepted standards
Represents credit administration in inter-department projects and cross departmental process workflow
Skillful communication with sales team and customers
Uses several Tyco systems to perform credit, customer service, and reporting accurately
5+ years of credit experience required
Experience in developing and implementing new processes and procedures for the credit department required
UCC filing and lien experience required
Completion of lien waiver documentation required
Previous commercial credit experience required
Microsoft Excel and Word proficiency required
Experience with credit scoring systems
Thorough knowledge of credit-related laws
Knowledge of principles and techniques used in conducting credit review and financial analyses
Knowledge of financial and accounting principles, practices and procedures
Able to adhere deadlines on a timely manner
Strong communication skills for negotiation & reconciliation
Ability to prioritize and handle multiple tasks/projects; work under time constraints with minimal supervision and keen attention to detail
Excellent analytical and problem solving skills; skill in preparing management reports on a timely basis
Excellent communication skills (written & oral)
Willingness to accept responsibility for job duties
Ability to handle confidential material
Superior skills on handling and resolving complex issues
Extensive research and skip tracing skills
Results driven and takes initiative
Strong interpersonal skills and ability to work across multiple business functions
Ability to get your "hands dirty", has a strong work ethic, and excels in a fast-paced environment
Intermediate – advanced computer knowledge (Microsoft Excel, Word, GetPaid, Carms, CBS, Admin, and Compass, Access)
Ability to draft professional written communications
Strong customer service aptitude/customer retention skills and organizational skills
Ability to be self-directed toward achievement of goals
Knowledge of principles and processes for providing customer and personal services. This includes meeting quality standards for services and evaluation of customer satisfaction
The ability to add, subtract, multiply, or divide quickly and correctly
Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others
Developing constructive and cooperative working relationships with others, and maintaining them over time
Job requires being reliable in fulfilling obligations within a work environment with limited flexibility
Proven ability to take initiative and work independently while remaining a good team player

Senior Credit Analyst Resume Examples & Samples

Utilize and interpret credit reports, financial statements, public financial information, etc. to determine appropriate credit limits for new and existing key customers in assigned portfolio
Update/review credit limits in accordance with Company Credit Policy or as needed to support customer purchases. Monitor industry and payment trends, news releases, trade information
Monitor risk and make recommendations regarding risk reduction strategies. Partner with internal clients (Sales, AR, Finance) to keep them appraised of risk and/or changing trends for key customers and / or industry sectors
Drive continuous improvements in credit practices and policies to support an effective business control environment
Active interaction with customers and account teams to establish appropriate credit limits; managing relationships with clients in order to reduce exposure to potential bad debt
Coordinate bankruptcy activities, provide analytical support for preference claim assessment and defense, and monitor case activity, typically focused on larger, more complex claims
D&B system maintenance and administrative support
Key contact for coordination with external credit reporting agencies
Review/troubleshoot issues with industry trade submissions. Coordinate responses for benchmarking surveys for industry credit groups
SAP SME for credit module functionality. UAT testing for upgrades
Excellent interpersonal and customer service skills
Strong technical aptitude, excellent communication skills, and attention to detail required
Organizational, problem solving and analytical skills
Advanced knowledge of financial analysis in order to interpret financial reporting including but not limited to balance sheet, income statement, cash flow statement, notes to financials

Senior Credit Analyst, Shanghai, E&ES, HBT Resume Examples & Samples

1, bachelor degree on accounting or finance related
2, 3 years' experience on credit analysis and control
3, good communication skills
4, mid level professional accounting certified at least
5, working experience in multinational enterprise is a plus
6, CPA is a plus

Senior Credit Analyst Resume Examples & Samples

Minimum 3-year working experience in banking or lending related fields
Disciplined, self-motivated, with high integrity
Strong problem finding/solving, communication and analytical skills

Senior Credit Analyst Resume Examples & Samples

Directly related experience in finance or accounting preferred
Good knowledge of English + relevant European Language(s) French
Knowledge of A/R systems highly desirable

Senior Credit Analyst France Resume Examples & Samples

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
Provides support in terms of any ad hoc testing, reporting or training requirements which may arise
3-5 years’ experience in a similar role
Strong financial analysis and credit underwritings skills
Proficient French and English language skills
A sound level of industry knowledge
Degree preferably in economics/finance/business or other relevant discipline, and/or equivalent professional qualification
Strong knowledge of leasing products and services
Experienced in fraud risk detection and prevention
Experience of working in a regulated financial services environment. Strong understanding of banking regulation and lending policies and procedures

Senior Credit Analyst Resume Examples & Samples

Assist RMs during loan process by working directly with the client in completing all necessary mortgage documentation forms including the mortgage application. This may be done in a one-on-one basis directly with the potential client either on the phone, in person, or in coordination with the RM depending on the complexity of the mortgage loan request
Prepare written documentation explaining the credit-worthiness of the client attempting to secure the loan. This underwriting process is of the highest priority and is regularly presented to the Executive Loan Committee working directly with an ELC member or with the RM based upon the complexity of the transaction
Once the required documentation is received, the loan will be on-boarded by the Processing Team. The Senior Client Services Specialist then works closely with the loan processor to complete all necessary tasks to send the loan to the closing department
Once the loan is boarded and in the pipeline, the Senior Client Services Specialists will work with the RM to assure that the pipeline is managed and all conditions of the loan are in control such as mortgage contingency dates and closing dates
After the loan is closed, the Senior Client Service Specialist will respond to clients in the event their names appear on the weekly Delinquency Report to ensure that proper repayments are being made to FRB
As requested by the RM, the Senior Client Service Specialist will assist with the development and implementation of special marketing processes, assist clients when the Relationship Manager is unavailable and will always provide service continuity and professional, courteous service as an EXTENTION OF THE RELATIONSHIP MANAGER
At the direction of the RM, the Senior Client Services Specialist will perform other duties and responsibilities as directed by the RM and may include: (1) adhering to and complying with all applicable, federal and state laws, regulations an guidance, including those related to Anti-Money Laundering (i.e. Bank Secrecy Act, USA Patriot Act, etc., (2) adhering to Bank policies and procedures, (3) completing required training, (4) identifying and report potential suspicious activity to the BSA/AML officer, and (5) knowing and verifying the identity of any customer(s) that enter into the relationship with the Bank
10+ Years of Loan Processing or Loan Client Service Experience; Team Player; Provides extraordinary service, Furthers the First Republic Bank Culture and Values

Senior Credit Analyst Resume Examples & Samples

Prepare credit proposals for corporate counterparties, including thorough financial analyses, transaction summaries, industry research, projections, and recovery analyses
Propose a bank-wide credit rating and recovery rate for each counterparty
Monitor the ongoing performance and credit quality of assigned portfolio names
Coordinate the credit approval process with coverage team, various product groups, and risk department to ensure an efficient turnaround
Execute the necessary steps involved in the closing process for new facilities and amendments
Maintain electronic credit files of assigned portfolio for regulatory purposes
Assist credit manager in the mentoring of junior members of the team
Lead the workflow / deal-team on complex or franchise-building transactions
Degree in Finance, Accounting, or economics. (MBA a plus)
4-7 years of experience in a financial analyst/corporate banking role
Demonstrated strong knowledge of various banking products and credit analysis skills
Strong communication skills, including the ability to write clearly and concisely
Financial Modeling skills
Ability to work both individually and as part of a team to meet tight deadlines
Formal credit training a plus
Series 79/63 (can be obtained post-hire)

100

Senior Credit Analyst Resume Examples & Samples

Prepares credit analysis and investigation of new and renewed commercial and/or consumer loan requests and provides the necessary documentation and financial facts for Underwriters to analyze, evaluate, and determine appropriate credit structure and terms for potential borrowers
Monitors for receipt, and analyzes and evaluates documents surrounding credits. This may include financial statements for the company, owners, and/or guarantors, tax returns, cash flow, collateral, covenants, A/P & A/R aging, credit reports, etc. to identify strengths and weaknesses as pertaining to a borrower's financial position
Maintains a proactive commitment to established bank programs, such as Community Reinvestment Act (CRA) and Affirmative Action
Thorough knowledge of appropriate banking laws, regulations and bank policies and practices required

101

Senior Credit Analyst Resume Examples & Samples

Prepares research reports and analyzes the overall financial strength and repayment ability of individual fixed income issuers
Performs fundamental analysis and has a demonstrated ability to conduct bottom up analysis and a demonstrated proficiency in modeling high yield issuers
Develops and maintains sell-side research relationships, performs on-site due diligence, contacts issuer management teams directly and attends industry conferences to enhance the investment decision making process
Collaborates with other sector heads internally as the fixed income expert on covered industries
Assigns internal ratings and makes relative value recommendations; makes investment recommendations as appropriate
Develops and maintains information on credit ratings of corporate, agency, municipal, state and/or federal fixed income issuers
Participates in strategy reviews with the Fixed Income portfolio management team
Works within a collegial environment and frequently interacts with Portfolio Managers and Traders
Monitors performance and holdings relative to investment objectives, benchmarks and firm macro-economic outlook
Assists in training, mentoring and development of junior research analysts
Meets with internal portfolio specialists, clients, consultants, prospects to review investment processes, portfolio construction, individual positions, and performance
MBA required
CFA and/or CPA strongly preferred. Actuarial, mathematical, and/or engineering credentials/experience also preferred
Must have a minimum of 8 years of credit analyst experience. Broader experience within the full spectrum of high yield preferred. Strong modeling background required
Ability to work effectively both independently and in a team environment with limited supervision
Excellent analytic and research skills with the ability to compile and make decisions regarding data

102

Senior Credit Analyst Resume Examples & Samples

Senior Credit Analyst which could hold an alternate decision mandate and as such
7 years of lending experience, either within front office or risk, out of which at least 5 years in TCF
Preferably candidate has held a decision mandate before
Preferably candidate has worked in a front office function

103

Senior Credit Analyst Resume Examples & Samples

Monitors account records and initiates contact to resolve delinquency issues
Approves credit decisions within authority limits
Researches, identifies and resolves root causes for invoice disputes and action plan with appropriate company personnel
Maintains and records collection communication notes in appropriate systems
Assists team members as needed in order to meet KPI objectives and goals
Perform other related duties or special projects as assigned by Corporate Credit Manager

104

Senior Credit Analyst Resume Examples & Samples

Three or more years experience as a Credit Analyst or demonstrated ability
Ability to analyze complex financial statements, cash flows, and credit information
In-depth knowledge of credit investigations and collateral requirements
Proficient in Word, Excel, and spreadsheet software
Knowledge of federal and state laws and regulations to consumer lending
Investigate credit and financial information on prospective and existing customers
May supervise loan documentation and support activities
May train and develop subordinate staff
Comply with policies, procedures, security requirements, and government regulations

105

Senior Credit Analyst Resume Examples & Samples

10 or more years of experience in credit analysis and/or lending activities
Considerable credit analysis and analytical skills
Extensive knowledge of credit administration, policy and procedures
In-depth knowledge of counterparty activities including credit and/or export business banks
Excellent computer skills [Word, Excel, internet research]
Able to work under pressure/deadlines

106

Senior Credit Analyst Resume Examples & Samples

Bachelor’s degree in Agri-Business, Business Administration, Economics, Accounting, Finance, or related field
4 plus years of progressive experience to include
Credit underwriting, loan documentation, customer relationship management
Complex credit, cash flow, balance sheet, profitability, liquidity, and solvency analysis
Preparation of pro-forma and combined financial statements
Knowledge of UCC Security filings and documentation as they pertain to various states
Advanced knowledge of Microsoft computer applications, database systems and loan accounting
Agriculture background

107

Senior Credit Analyst, Roofing Resume Examples & Samples

Manage receivables of over 60 million dollars by making collection calls and site visits
Perform credit analysis for potential new customers
Responsible for order review and credit hold release
Place lien and bond claims as necessary
5+ years of prior Credit Management experience in the construction industry
Strong organizational and effective time management skills
Ability to present information and respond to questions from all levels of the organization
Proficient in MS Word, MS Excel, IBM Lotus Notes (SAP experience desirable)
Excellent problem solving abilities and strong negotiation skills
Ability to handle difficult situations in a professional manner

108

Senior Credit Analyst Resume Examples & Samples

Insure loan packages are complete according to bank policy
Input and analyze financial statements, tax returns, and credit bureaus using bank software systems
Determine business and global cash flow of commercial borrowers, and individual cash flow of consumer borrowers
Establish and track loan reporting covenants for compliance, as well as imaging various types of financial statements required by said covenants
Perform analysis on diverse types of collateral
Assist lenders in determining appropriate loan structures
Partner with lenders in completing credit memorandums for various requests
Collaborate with lenders and senior credit officers to complete annual reviews on large borrowers

109

Senior Credit Analyst Resume Examples & Samples

Examine and monitor legislative, regulatory and economic developments across industry sectors assisting the investment decision making process
Would typically have substantial experience of investment grade credit analysis in European markets
A proven track record in analysing non-financial companies
Possessing strong credit research skills, this individual will have demonstrated success as a decision-maker
A good understanding of corporate hybrids preferred
Some Emerging markets & High Yield experience preferred

110

Senior Credit Analyst Resume Examples & Samples

Make clear and concise recommendations on proposed transactions displaying sound logic and argumentation
Interact with customers to gain a deep understanding of their business and operations
Actively participate and/or prepare weekly, monthly, and quarterly credit and risk reports for use by Risk and TSF Management
Understand current credit and risk assessment tools, risk measurement and rating methodologies, including their underlying assumptions and potential weaknesses. Challenge assumptions used in the application of the credit and risk methodologies based on understanding of the TSF Business
Assist on ad hoc projects defined by Risk Management
Learn about Trade and Structured Finance businesses in Russia and other FSU countries
Learn about diverse industries including commodities
Ability to lead the process, work independently, with little oversight and handle multiple demands at the same time
Demonstrate strong communication skills and customer focus with a desire to improve processes and find solutions to meet customer needs
Show ability to make decisions with a clear and concise reasoning while retaining an independent view

111

Senior Credit Analyst Resume Examples & Samples

Language proficiency level, effective-proficiency level
Strong diplomatic negotiation skills with ability to make tough decisions and implement action steps to resolve credit issues while maintaining customer relationships
Demonstrated leadership capabilities for team projects with ability to motivate team efforts and lead and influence outside organizational boundaries
Strong aptitude for managing processes and driving towards best-in-class process performance

112

Senior Credit Analyst Resume Examples & Samples

Conduct in depth review of balance sheet, income statement, other financial information, tax returns, business plans and projections to determine, independently that the borrower can generate income and cash flow sufficient to repay existing and proposed debt
Prepare well written request presentations the ability to repay referenced above
Theses presentations must also explain what is being requested, why it is being requested, the business and/or industry involved, the background and history of the business as well as outline risk factors, mitigating factors, justifying assigned risk rating and ensuring Bank policies, procedures and regulations are met
Assist Commercial RMs in managing workflow via a pipeline process with regard to the prioritization of new prospects , modifications, renewals/upcoming maturities, as well as Portfolio Reviews and Special Asset Reports while developing a working knowledge of all prospective opportunities through the the Process
Interact with clients to ensure receipt of financial information necessary to support the underwriting process of Commercial Banking loans
Accompany Commercial RMs on client and prospect calls in conjunction with completion of the underwriting process of Commercial Banking loans
Review third party reports such as real estate appraisals, property condition and environmental reports, Field Exams and or property inspections and environmental investigations
Monitor compliance with Financial Information Requirements, analyzing and reporting Covenants in a timely manner, analyzing and reporting the results of Borrowing Base Certificates in a timely manner
Under the direction of the Underwriting Group Manager work with Rotational Development Program Participants to provide training on nuances of client and financial analysis. and addenda to the Presentation
Maintain a network of financial and legal professionals to support the knowledge necessary to complete any necessary analysis
Participate in all required training for compliance
Maintain adequate controls to ensure compliance with consumer protection statutes/regulations in a defined area of responsibility
Assist in training new team members which may include underwriters, relationship officers, administrative support and interns
Bachelor’s degree in business with a major in finance
Feld Exam Experience is a benefit
Strong analytical ability with good interpersonal and communication skills, both written and verbal
Strong interpersonal skills and ability to communicate effectively
Good customer service skills
10 years of experience in credit analysis with demonstrated skills in areas such as cash flow and financial analysis
Position may require the need to travel to other offices or client locations
A clear understanding of the need to develop over time the ability, based on knowledge and experience, to clearly demonstrate their position on a request and professionally defend it if challenged

113

Senior Credit Analyst Resume Examples & Samples

Ensure merchant applications are adjudicated in accordance with the assigned discretionary limits and credit policies and make recommendations to Manager on all others
Use sound credit judgment to assess, analyze and present well-written, logical Merchant Risk Reviews on new/renewal for larger merchant relationships identifying key merchant risk and contingent exposure
Liaise with sales reps (National Sales and Regional Sales) and customers on new requests requiring additional information for adjudication
Establish and maintain strong working relationships with TDMS Relationship Management Team, the Commercial Bank and TD Securities in order to keep abreast of issues involving accounts in the portfolio
Ensure timely re-adjudication of increasing risk or fraud-potential merchants
Optimize sales opportunities by structuring competitive, creative solutions to meet customers’ needs and adhere to credit policies and the Banks risk appetite
Develop and maintain a high level of business knowledge, including industry operating regulations, and keep current with new developments or campaigns that might affect the Managed area
Take a leadership role on the team and be proactive in recommending solutions to resolve issues that may arise from time to time
Maintain a high degree of knowledge of KYC, Privacy, due diligence requirements and merchant risk concepts in order to explain these issues to branch and customers etc

114

Senior Credit Analyst Resume Examples & Samples

BS in Accounting, Finance or related field
Knowledge of accounting principles, credit and collection policies and procedures, and credit risk required
Knowledge of other languages is advantageous
Strong problem solving, interpersonal and financial analysis skills
Excellent oral, written and presentations skills with the ability to deal tactfully, confidently and ethically with both internal and external customers required
Strong PC skills including both Access and Excel, and experience with other Microsoft Office products
Knowledge of SAP AR system highly desirable
Green belt certified

115

Senior Credit Analyst Resume Examples & Samples

Working knowledge of financial analysis techniques and accounting principles
Proficient in Microsoft Office applications (particularly Excel, Access and Powerpoint)
Experience with PeopleSoft and/or other Data Warehouse databases

116

Senior Credit Analyst Resume Examples & Samples

Bachelor’s degree in Accounting or business-related field
5 year’s of credit/collections experience
3 year’s work experience that includes interpreting financial statements and preparing cash flow analysis
1 year experience developing and preparing complex financial comparison and analytical models
1 year work experience that includes training and/or coaching others
1 year experience using MS Access
Intermediate level experience using Excel

117

Senior Credit Analyst Resume Examples & Samples

Maintain close working relationships with the respective General Managers and Regional Presidents so that proper interpretation of the commercial objectives of the company can be translated into appropriate and effective credit policy
Make credit decisions on behalf of the assigned branches, in accordance with and up to the level of authority granted by the corporate credit policies and procedures
Evaluate the credit quality of high-exposure and/or high-risk customers using qualitative and quantitative research
Analyze credit risk factors such as income growth, quality of management, market share and potential industry risks
Employ a variety of risk assessment tools to compare items such as liquidity, profitability, credit history and cash, with other companies of same industry, size, and geographic location
Work closely with third party collection agencies and/or outside attorneys to insure maximum recoveries
Insure all Bad Debt write offs properly documented to comply with corporate policies
Properly document and perform all duties associated with bankrupt accounts
Play an integral role in developing and/or implementing technology solutions to increase operating efficiency and improve customer satisfaction
Exercise functional day-to-day supervision of staff in the absence of the Regional Credit Manager

118

Senior Credit Analyst Resume Examples & Samples

Perform credit investigation, financial statement analysis, and write-up’s on assigned transactions
Recommend credit decisions, in accordance with predefined risk acceptance criteria
Serve as a primary interface with Stryker Sales, Regional Finance Managers, customers, and funding sources on day-to- day credit operations
Meet and exceed all service-level and business metrics for the areas of responsibility
Provide various reports as needed for business performance management
Insure accuracy of proposed structures and finance pricing by verifying the proposed structure, finance discounts and transaction pricing is accurate and acceptable to lending partners
Perform necessary credit investigation
Assist internal Stryker Flex Financial group to obtain final purchase orders from lending partners
Manage the flow of the transactions as a central point of contact between Stryker Flex Financial internal and external sales force and lending partners
Assure Stryker Corporation that funded transactions are within terms of its vendor partner program
Must be able to read and interpret complex financial statements
Must have a basic understanding of GAAP and fund accounting
Must be able to operate common office equipment (e.g. calculator, PC, telephone, etc.)
Ability to prioritize work and keep accurate, detailed, and confidential records
Must be able to observe and correct minute inconsistencies (e.g. in the numbers, printed word, report appearance, etc.)
Must be able to work & communicate with all levels of management both internally and externally
A minimum of 1-3 years of commercial underwriting experience within a bank or leasing organization
Experience in the Healthcare/Medical Industry is preferred
Knowledge of legal terms for all lease and finance type structures
Proven expertise with software accounting and tracking systems
Proven ability to work within a dynamic team environment
Strong customer service skills are required
Excellent analytical skills High attention to detail

119

Senior Credit Analyst Resume Examples & Samples

Obtain data to perform portfolio concentration analysis and assist in the preparation on the monthly allowance for loan and lease loss (ALLL)
Assist in the preparation of any reports required from Credit Administration
May train selected personnel in credit operations and financial statement analysis and oversee the training of the credit analyst area
Bachelor’s degree (BA) from a four (4) year college or university, and minimum of four (4) years or more related experience and/or training; or the equivalent combination of education and experience

120

Senior Credit Analyst Resume Examples & Samples

Work with Relationship Managers on the initial screening, underwriting and structuring of all new loan relationships
Spread Financials, review and evaluate credit risk on multiple loan packages
Recommend appropriate loan structures to minimize risk
Identify, report and track any policy or guideline exceptions
Assist with portfolio management functions including daily client service, covenant and borrowing base review, financial review, internal reporting
Ensure proper risk rating assignment on all relationships
Assist in identifying, developing and preparing departmental reports required to maintain clear communication of the portfolio to the Bank's executive management team
Work with internal or external examiners and auditors as necessary
Perform other job related duties or special projects as assigned
Good organizational and time management skills, with strong attention to detail and concern for accuracy
Well Developed customer service skills with the ability to effectively communicate clear expectations, issues and status, and take strong action steps when required
Experience managing junior credit analysts and underwriters
Ability to interact, influence, and communicate effectively with various internal and external parties
Knowledge of Bank policies and procedures and regulatory requirements
Proficiency with Microsoft Office (Excel, Word, Outlook, SharePoint) and ability to navigate loan and bank software applications and related websites
Minimum of 5 years of commercial credit underwriting and evaluating commercial loans

121

Senior Credit Analyst Resume Examples & Samples

Responsible for portfolio of customer based in Italy, Greece, Malta and Israel
Perform the credit risk assessment and determine customer creditworthiness; recommend credit limit, payment term and risk mitigation tools where appropriate
Responsible for the timely collection of all outstanding accounts receivables
Ensure all credit limits are reviewed/maintained in line with the approved levels
Perform customer visits with Sales team
Manage order control
Ensure customers account reconciliation are completed and accurate
Participate in ad hoc credit & AR projects
Application in English will be very much appreciated
Bachelors’ degree in Finance or Business Administration
At least 3 years’ experience in a similar position in credit management& collection, preferably in a multinational environment
Ability to analyze financial and corporate information, good working knowledge of Microsoft Office
Customer focused; self-motivated and able work independently
Strong analytical, verbal and written communication skills
Fluent in English and Italian; any other language would be a plus
Excellent interpersonal skills and positive attitude
Preferred SAP experience
Desire to work with an international team of professionals who are passionate about their work and projects

122

Senior Credit Analyst Resume Examples & Samples

Assist Commercial Banking Officers in the handling of complex relationships with minimal assistance
Demonstrate proficiency in all areas of credit analysis: able to perform complex credit analysis and prepare clear, complete written and oral presentations with minimal assistance
Present analysis of loan presentation to loan committee with minimal direction and supervision from Relationship Managers
Prepare monthly production and exception reports
Basic portfolio responsibility: maintain and support business with existing clients
Begin to establish a network of financial and legal professionals to support the business needs of clients
Participate in all required training sessions for compliance
Implement bank-directed policy and changes relating to regulatory amendments
Attend Loan Committee meetings
Attend all training sessions required
Assist in training of less experienced credit analysts
Bachelor’s degree in business related major with at least two accounting courses
Strong analytical ability with excellent written and verbal communication skills required
Minimum 2 years credit analyst experience with demonstrated skills in areas such as cash flow and financial analysis
Position may require the need to travel to other branch or meeting locations

123

Senior Credit Analyst Resume Examples & Samples

Scientific data analysis using decision tree, cluster analysis methods for both risk and marketing analytics to design credit and marketing strategy
Accountability for the development and ongoing production of monthly acquisition, existing customer performance reports for consumer loan portfolio
Adapt P&L models in response to changing strategies and provide the simulation result under different sensitivity and stress assumptions
Compare the actual performance vs. business case simulation, then identify discrepancy and find out the reason by conducting thorough data analysis
Support Ad-hoc report/data analysis requests and work with various business partners including Modeling, Product, Marketing, etc
Strong business focus and good understanding of the profitability drivers of relevant consumer credit products (i.e. loans, credit card, etc)
High proficiency in SAS/SQL programming and ability to work fluently with various data sets. Ability to use Tableau preferred but not require
Solid analytical, quantitative and problem solving skills
Ability to convert technical analysis into clear and concise business presentations detailing actionable items
Strong attention to detail and process orientation in order to prioritize tasks
Understanding of financial and accounting principles, terminology and concepts
Detailed oriented and well organized with the ability to work independently and manage projects and deadlines
4+ years’ experience working with SAS and SQL
Previous experience with a financial institution a plus
Having mortgage experience a big plus

124

Senior Credit Analyst Resume Examples & Samples

Analyze customer payment cycle to improve cash receipts accuracy in cash flow forecast
Collaborate closely with Supply Chain and Customer Service to identify root causes that drive deductions taken by customers (e.g. vendor compliance fines and transit related claims)
Handle customer master data requests and ensuring the necessary creation or changes are executed in SAP or communicated to third party service provider as applicable
Maintain a reconciliation between our A/R balances and Affiliate payable balances. This includes initiating debit note requests to our third party shared service provider
Analyze payment trends and transit times to drive improved customer payment behavior
Support Senior Manager in various day to day/monthly ad-hoc reporting and special projects
Determine the validity of deductions and take necessary action to bring them to resolution. This would include initiating a credit memo for a valid deduction or preparing a chargeback to be presented to the customer for repayment on an invalid claim
Reconcile A/R items by requesting third party service provider to process appropriate offsets Review SAP Daily Credit Block Report for assessment of hold or release decisions. Timely communication with Sales, Customer Service and customer is critical when holding orders
Review new customer credit applications by reviewing trade & bank references, agency reports and financial statements
Partner with Sales team and customers to obtain supporting documentation for deductions,
Correspond with customers to collect past due invoices and resolve outstanding deductions
Respond to requests from Sales team or customer for Return Authorization. This would include the entry of the return in SAP and monitoring the delivery status for releasing to A/R

125

Senior Credit Analyst Resume Examples & Samples

1- 3 years work experience
1 year of experience in a high volume industry directly working with Credit loan quality or analysis preferred
Bachelor's degree in Finance or Business Administration is preferred
Experience in the finance or banking industry is preferred

126

Senior Credit Analyst Resume Examples & Samples

3 or more years of experience working as a commercial credit analyst is required
2 or more years of experience working with credit analytics is preferred
2 or more years of experience working with bank products and type fo commercial loan structing is preferred

127

Senior Credit Analyst Resume Examples & Samples

Provide management with highest quality risk assessments, credit research and comprehensive analyses to ensure risk adequate pricing at all times
Competently support the success of the SFS Business Unit Project & Structured Finance-Energy (PSF-E) with excellent and significant obligor evaluations in a timely manner
Independently evaluate risks of project finance transactions or the creditworthiness of an obligor
Provide analyses of highest quality and coherent rating results
Present analyses to Head of Department and Local Authority members
Collaborate efficiently with team members
Develop strong relationships with Risk Management to improve and maintain an efficient credit process
Aid in the ongoing monitoring of the creditworthiness of portfolio companies
Assign and approve project/borrower risk ratings within the given Rating Authority
2-4 years relevant work experience with Project Financing transaction structures, Energy industry experience preferred
Minimum 4 year college degree in either Finance, Accounting or Economics
Excellent analytical capabilities, including financial statement analysis (US GAAP / IFRS)
Ability to work with financial models
Strong oral communication and written skills
Confident appearance presenting cases to Authority holders and voicing a strong opinion
Capability to work in a time pressured environment while maintaining a positive focus
Good people skills and ability to efficiently work as a team player
Strong technical skills including proficiency in Microsoft Office

128

Senior Credit Analyst Resume Examples & Samples

Responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitates the credit approval process for use by loan officers or committees in the making of lending decisions regarding new, renewal, and extension loans
Thoroughly analyzes the most complex commercial credits which exceed $1.5 million in credit exposure. Analyzing factors such as income growth, margins, trends, quality of management, market shares, industry risks and collateral assessment
Provides coaching and mentoring guidance to Credit Analysts I and II
Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training
BS/BA Degree in Business, Accounting, Finance or a related field is required, and

129

Senior Credit Analyst Resume Examples & Samples

Evaluates loan requests, using a thorough knowledge of loan policy, guidelines and procedures
Analyzes the financial condition of existing and prospective bank customers. Accurately reviews financial statements and tax returns submitted by applicants and is capable of evaluating a borrower’s ability to repay. Recognizes trends, positive or negative, impacting risk to repayment, the Bank’s collateral position or ability of the business to satisfactorily operate. Recommends risk rating adjustments, higher or lower, supported by changes in the borrower’s financial condition, collateral or other factors impacting the credit’s risk
Analyzes industries and has a thorough knowledge of the risks associated with those industries. Assesses the risks inherent in each industry and suggests appropriate financing structures accordingly
Analyzes and validates customer borrowing base reporting for formula based lines of credit. Reports on delinquent reporting and/or over advance situations
Maintains tickler system for accurate tracking and reporting of borrower required reporting including financial statements, tax returns, covenants, etc
Makes sound credit decisions based on accurate analysis of information provided with loan requests
Exhibits thorough knowledge of fair lending issues, rules and various regulations that directly impact the commercial lending area (e.g. Regulation B, FACT Act, HMDA, CRA, etc.)
Seeks alternative means of financing or counter offers for all borrowers, if appropriate, when it is determined that the original request cannot be accommodated
Demonstrates effective time management by balancing multiple priorities within individual workload
Communicates with and effectively interacts with all levels of management, including lending personnel, loan operations staff and related departments
Bachelor’s degree. Preferably in a business related field such as accounting or finance
Minimum of 1 year experience underwriting business loan requests is required
Sound understanding of commercial credit analysis techniques including cash flow, evaluation of collateral and is able to make timely decisions in a fast paced, time sensitive environment
Knowledge of SBA lending programs and/or Commercial Real Estate experience
Formal credit training is a plus
Computer skills: Thorough knowledge of Word and Excel. Experience in spreading financial statements. Comfortable with and adaptive to working in an evolving electronic environment

130

Senior Credit Analyst Resume Examples & Samples

Work with lending teams to structure and evaluate SBA loan requests, using a thorough knowledge of loan policy, guidelines and SBA standard operating procedures
Prepare credit presentations for simple and complex SBA loan transactions. The presentations must include analyzes the financial condition of applicant and guarantor. Accurately reviews financial statements and tax returns submitted by applicant and is capable of evaluating a borrower’s ability to repay. Recognizes trends, positive or negative, impacting risk to repayment, the Bank’s collateral position or ability of the business to satisfactorily operate
Partner with lenders to proactively manage the loan portfolio with the assistance of SBA’s lender portal information. Recommends risk rating adjustments, higher or lower, supported by changes in the borrower’s financial condition, collateral or other factors impacting the credit’s risk
5 - 7 years experience underwriting business loan requests is required

131

Senior Credit Analyst Resume Examples & Samples

Develops a thorough understanding of AFC policies, processes, and procedures related to processing applications and contracts and to assessing credit worthiness
Takes actions necessary to collect or verify information required to process credit applications and to access risk
Uses spreadsheets and other automated or manual processes to compile required documentation and reports that will be used, in part, as presentation tools for Credit Committee meetings. This includes creating detailed summaries and recommendations as to the credit decisions
Combines AFC credit guidelines with professional judgment to recommend the level of credit to be extended to each customer
Provides prompt, accurate and courteous service to both internal and external customers. Processes applications/increases greater than $250,000 US to $750,000 US (credit approval for all accounts within set guidelines)
Ability to thoroughly analyze credit bureaus, business and personal financial statements and tax returns, and various reports, and also to complete a summary with a credit decision/recommendation for
New Applications
Existing Customer requests
Annual Reviews
Responsible for through analysis of all financial information as it pertains to AFC’s current underwriting requirements. This may include discussions with our customer’s attorney, CPA, or other support staff

132

Senior Credit Analyst Resume Examples & Samples

Bachelor’s degree in Business, Finance or Accounting
Minimum 5-7 years of experience in credit risk management
Ability to set priorities and manage multiple projects
Demonstrated proficiency with Microsoft Excel, Powerpoint and Word
Through understanding of financial statement analysis, the ability to interpret contract terms, recommend credit limits and alternative credit arrangements

133

Senior Credit Analyst Resume Examples & Samples

Strictly adhere to the Credit Policy and Process standards
Accurate and timely management of the Credit File, including timely submission of the credit reviews
Analyze the financial information of counterparties (Parent/Subsidiaries) and recommend internal credit limits
Assist in the negotiation of documentation related to credit risk mitigation (PCG/Netting Agreements)
Evaluate and structure transactions to minimize credit risk, when required
Develop and manage two-way relationships with key counterparties, which would include targeting counterparties to obtain an initial or an increase in existing credit lines
Develop close relationships with traders and other key internal units (Finance/Operations/Treasury/Legal)
Monitor and inform on industry developments, such as earnings and news releases, change in credit ratings, etc
Minimum 5 years’ credit analysis experience preferably with a financial institution or commodity merchant, with increasing responsibilities
Ability to process work very quickly in a busy and challenging environment. Ability to assimilate a large amount of information, think clearly and make presentations in a concise manner
Attributes: Commercial outlook; Team player; Driven and ambitious; Strong interpersonal skills; Hard working and flexible; Takes responsibility; Resilient and enthusiastic; Confident and effective communicator; Able to work alone and on own initiative
Excel and Word/Outlook competence

134

Senior Credit Analyst Resume Examples & Samples

Monitors for receipt, and analyzes and evaluates documents surrounding credits. This may include financial statements for the company, owners, and/or guarantors, tax returns, cash flow, collateral, covenants, etc. to identify strengths and weaknesses pertaining to a borrower's financial position
Bachelor's degree in Finance, Accounting or Business
Minimum 5 years of credit or financial analysis experience required
Minimum 5 years of experience in a banking or financial services environment required

135

Senior Credit Analyst Resume Examples & Samples

Provides additional loan agreement and covenant monitoring support to commercial lending groups
Provides on-going portfolio management through spreading of continuous required financial statements as they are received from the Bank’s customers
Develops an in-depth understanding of various types of lending facilities as well as a variety of companies and industries
Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of compulsory compliance training
Provides support to loan officers and managers through financial statement spreading and analysis of new loan requests and standing credit relationships
Concludes cash flow models for the basis of credit decisions
Completes in-depth credit analyses to aid in determining the capacity of a potential credit opportunity, with supervision of Credit Executive
Capacity to effectively present information and respond to questions from groups of managers, clients, customers, and the public
Robust analytical and organizational skills
Capacity to solve practical problems and deals with a variety of concrete variables in situations where only limited standardization exists. Capacity to interpret a variety of instructions furnished in written, oral, diagram or schedule form
Capacity to manage multiple projects
Three of more years’ financial industry experience preferred
MS Office programs

136

Senior Credit Analyst Resume Examples & Samples

Being well versed in interpreting credit bureaus including, but not limited to, Dun and Bradstreet and personal credit reports
Basic knowledge of financial statements and their analysis
Candidates should be self-motivated,possess a desire to learn, and have aspirations for expanded responsibilities and growth within the company
Familiarity with Word and Excel is requisite
A minimum of three years of commercial credit experience, preferably within the application only/small ticket spectrum of the leasing industry

137

Senior Credit Analyst Resume Examples & Samples

Performs basic financial analysis on a wide range of transactions: Analyzes financial results. (50%)
Monitors and maintains assigned accounts. (25%)
Prepares and sensitizes financial projections and projected cash flows. (15%)
Conducts research related to borrower's industry, competition and peer group. (10%)
Typically requires a four year college degree (minimum) or equivalent job experience
Knowledge of cash flow, intermediate accounting, credit analysis and documentation
Ability to write clear and concise presentations with limited assistance
Ability to interface effectively with all support areas with limited guidance

138

Senior Credit Analyst Resume Examples & Samples

Perform prompt, accurate, in-depth review and analysis of transactions, and prepare clear, concise and accurate written recommendations for approval based on corporate credit standards, policies and procedures
Complete timely periodic credit reviews of existing relationships
Familiarity with TSYS, Tandem and Rapport (or other credit decisioning platforms)
3 years of experience with analysis and written presentation of complex medium and large ticket finance and lease transactions
Familiarity with FDIC rules and regulations
Working knowledge of accounting, credit underwriting and general lending/leasing related issues
The ability to work under time constraints while multi-tasking
Proficient with PC skills, including Microsoft Word, Excel, and Access

139

Senior Credit Analyst Resume Examples & Samples

Underwrite the higher value and risk transactions for financial and non-financial institutions in a timely and accurate manner within a higher level delegated underwriting authority or making recommendations to the Head of Financial Solutions and Wholesale, Director of Credit Risk or the Hitachi Capital Board in Japan where outside of personal mandate
Organise and deliver Corporate deal forums involving the Managing Director of HCBF, Director of Credit Risk, Head of Sales, appropriate Relationship Manager, Head of Financial Solutions and Wholesale and Head of Operations
Attend regular Stocking and Block meetings involving representatives from Sales, Operations, as well as Compliance and Legal if appropriate, with the aim to stay up to date with the future opportunities, identify market trends and risks and discuss and provide steering on day to day issues
Where appropriate, provide assistance to Sales in capturing new relationship and vendor accounts “and structuring manufacturing schemes and proposals to make sure the transactions are acceptable from a risk and reward perspective
Utilise a range of underwriting tools and templates such as ‘Standard and Poor’s’, Sector reports, CAP Monitor and risk rating models, with the skills to interpret outcomes and apply commercially
Monitor the existing credit commitments and identify potential credit risk, as well as recommend and implement appropriate actions
Prioritise workload and seek management assistance where necessary in order to meet internal turnaround times in line with business imperatives
Maintain excellent working relationships with internal and external customers in order to optimise business effectiveness without compromising risk management imperatives
Undertaking site visits including Vendors, Dealers, Block Discounters and Wholesale Customers and Customers in general to assist sales in relationship building and deal negotiations
Training, mentoring and providing support and expert advice to Credit Analysts and Junior Credit Analysts
Manage a team of credit analysts where applicable whilst supporting and deputising for Head of Financial Solutions and Wholesale where requested
Provide informed support across Business Finance in areas such as fraud prevention, systems testing, deal pay-outs and overviews
Identify and research new HCBF opportunities such as assets and sectors and present possible solutions to Management as well as creating and utilising cross divisional opportunities
Expected minimum 7 years underwriting experience with solid knowledge and experience in the asset finance deal sector
Very strong analytical and numeracy skills, with a good in-depth knowledge of financial accounts and statements
Excellent time management & ability to balance credit and other risk responsibilities
Demonstrable commercial acumen
Degree level qualification in related discipline required , post graduate qualification an advantage
Ability to work in a dynamic team focused environment
Responsibility for your own personal development/learning opportunities

140

Senior Credit Analyst Resume Examples & Samples

Administer approved credit policies and procedures
Participate in obtaining credit information and analyzing financial statements
Utilize credit scoring and other tools to aide in the risk assessment of customers
Create and maintain comprehensive customer files
Reconcile systems to insure accurate credit limits and payment terms
Bachelor's degree in Finance or equivalent, preferred
Minimum 2-3 years in credit, understanding of common financial ratios a plus

141

Senior Credit Analyst Resume Examples & Samples

Undergraduate degree in Economics, Business or similar professional training
Preference for Masters degree (MBA, MS or MA in Finance, Economics, etc.) or advanced CFA
Experience of at least eight years (8) in corporate credit analysis in banks, in a big4, rating institution or institutional investors
Thorough understanding of Credit Analysis and insurance sector
Up to date knowledge of financial markets and instruments, especially fixed income
Knowledge of financial statements interpretation and analysis
Knowledge of fundamental analysis of companies and the economic sectors in which they act and develop their activity
Knowledge of methodologies for credit rating assessment, and investment recommendations
Very good English communication skills (oral and written). Portuguese would add value
Excellent analytical skills in finance and capital markets

142

Senior Credit Analyst Resume Examples & Samples

4+ years of experience in Credit Analysis or Risk Management
Bilingual (English and Korean)
Background in Financial Statement Analysis, Accounting rules, and Operating Performance Data
Strong understanding of Credit fundamentals of diversified industries and Business transactions
Ability to conduct Domestic and Foreign Travel for site/company visits

143

Senior Credit Analyst Resume Examples & Samples

Responsible for assessing credit risk for new and existing customers for a defined region in line with the global credit policy
Evaluate new customer’s credit limit applications
Review existing customer’s credit limits and propose renewal or changes as necessary
Gather and review financial data on customers, using market information, data provided by credit agencies, through the internet or direct from the customer
Approves customer credit limits in line with delegation level set in Global credit policy
Review and manage credit blocks daily
Release credit blocks from sales orders where appropriate
Keep credit blocks on sales orders where appropriate and communicate with CS/collections teams about required terms to remove the credit block
Proactively communicates with Collections, Sales representatives, Customers Service, Cash applications teams and Credit limit approvers
Works independently, handles credit portfolio of a defined region with little supervision needed
Able to perform complex credit analysis and handle more complex cases in a self-reliant way, makes recommendations for resolving issues

144

Senior Credit Analyst Resume Examples & Samples

3-5 years corporate Collections experience
Knowledge of Billing and Collections procedures
Experience with DNBi
Accounting Experience – ability to perform AR and Bad Debt Reconciliations
Accounts Receivable knowledge/experience
Strong attention to detail, goal oriented
Bachelor’s degree required in Accounting/Finance preferred
High level of Microsoft Excel experience a must
Ability to Navigate through Customer Payment Hubs

145

Fixed Income Alternatives Senior Credit Analyst Resume Examples & Samples

Proven experience of identifying profitable investment opportunities based on extensive fundamental research on leveraged and distressed issuers in European credit markets
Expert in credit/financial statement analysis, with specific experience analysing companies, fixed income securities, credit derivatives and equity investments
Knowledge of European bankruptcy regimes and realising returns through insolvencies is essential
Inquisitive nature, driven to excel in all aspects of the analytical process and in assessing opportunities through different asset classes
Flexible, responsive, and self-starting personality with keen attention to detail
Must possess the desire and ability to work in a team-orientated environment

146

Senior Credit Analyst Resume Examples & Samples

GLASSDOOR
INDEED
Perform financial analysis and reviews with defined financial authority
Evaluate and approve order releases based on established authority levels
Perform vigorous collections efforts of customer account balances while maintaining customer relationships
Complete customer account reconciliations with moderate financial impact
Contact external customers as we as credit/store personnel to clarify or obtain additional information to accurately complete the collection
Works with other departments, outside providers, internal customers and external clients to resolve issues or improve process, and ensure understanding by all parties
Maintain delivery of service levels and generate and communicate results on same
Participate as a member of medium sized projects providing recommendations for continuous improvement
Use excellent verbal and written communication skills to build strong relationships, share recommendations and knowledge to multiple audiences including: cross functional teams, internal customers, external clients and management
Select tools and approach for work assignments and projects
Work with field and sales management regarding strategic and sensitive customer issues
Bachelor’s degree required with 2 -4 years of related work experience
Collaboration
Demonstrated ability to take action, multi-task, and achieve results in a fast-paced and changing environment
Excellent teamwork skills and demonstrated ability to interact with and influence all levels and types of people
Exceptional computer skills, including accounting systems knowledge of Excel specifically with the use of complex formulas and functions, to include but not limited to VLOOKUP, Pivot Tables, IF and nested IF Statements
Experience in SAP, PeopleSoft , Lawson or Tire Pro preferred
Construction industry accumen

147

Senior Credit Analyst Resume Examples & Samples

Ability to conduct in depth review of balance sheet, income statement, other financial information, tax returns, business plans and projections to determine, independently that the borrower can generate income and cash flow sufficient to repay existing and proposed debt
Ability to independently prepare well written approval presentations, including what is being requested, why it is being requested, the business and/or industry involved, the background and history of the business, risk and mitigating factors. Such presentations should also justify assigned risk rating and show the Bank policies, procedures and regulations are met
Assist Commercial Relationship Managers (RMs) in managing workflow via a pipeline process with regard to the prioritization of new prospects, modifications, renewals/upcoming maturities, as well as Portfolio Reviews and Special Asset Reports while developing a working knowledge of all prospective opportunities through the process
Review third party reports such as real estate appraisals, property condition and environmental reports, Field Exams and or property inspections and environmental investigations. 
Monitor compliance with Financial Information Requirements, including analyzing and reporting Borrowing Base Certificates and Covenants in a timely manner
Under the direction of the Underwriting Manager work with Rotational Development Program Participants to provide training on the nuances of client and financial analysis, including the underwriting process and presentation
Bachelor’s degree in business with a major in finance or accounting
Demonstrated ability to analyze financial statements, tax returns and repayment capacity
Strong interpersonal skills and effective communication skills, both written and verbal
Minimum 5 years of experience in commercial credit analysis, including exposure to more complex transaction types
Proficient in Microsoft Office programs and familiarity with financial spreading software
Clearly communicate risk criteria, respond objectively and with confidence when challenged and involve the Underwriting Manager and/or Divisional Credit Officer as appropriate

148

Senior Credit Analyst Resume Examples & Samples

High School Diploma or GED required
Minimum 5 years of credit analysis or financial analysis experience required
Bachelors' Degree in Business Accounting or Finance preferred
Completion of Intermediate Financial and Managerial Accounting preferred
Completion of Credit Boot Camp; or pass score on Diagnostic Test if completion of formal credit training program at another financial institution, preferred
Minimum 4 years of portfolio management experience preferred
Proficiency in projection modeling in Moody's and Excel
Prepare CRR's for Pass-rated credits' annual reviews (all amounts) and straightforward renewals (up to $2,000,000)
Spread financial statements, tax returns, collateral review, projections, etc. for CRR-assigned accounts
Proficient in preparation of complex projections and sensitivity analysis
Assist in review of documentation under guidance of Senior or Lead Credit Officers
Responsible for timeliness of annual reviews and annual renewals
Participate with RM's on client calls
Provide technical training and mentoring to junior credit analysts

149

Senior Credit Analyst Resume Examples & Samples

1 to 3 years' experience
Bachelor's degree in Business, Business Administration, or Finance is preferred
Experience in analyzing financial data and providing narrative information quickly and thoroughly
PC and internet proficiency; and
Minimum of 1 to 3 years work experience in a high volume industry directly working with commercial credit loan analysis and underwriting

150

Senior Credit Analyst Resume Examples & Samples

Bachelor's degree in Accounting, Finance or Business Administration
Minimum two years previous experience as an underwriter or Credit Analyst working for a commercial bank
Preferred to be credit trained or equivalent based on experience
Efficient in use of commercial loan systems
Complete understanding of regulatory compliance regarding commercial lending

151

Senior Credit Analyst Resume Examples & Samples

To exhibit professional excellence by building customer and department relationships and communicating clearly and responsibly
Complies with Corporate Policy and Procedures through the completion of complex and highly visible credit reviews
Collaborates with the Credit Team and stakeholders to ensure that sales and purchases are credit assessed and evaluations are published in a timely manner
Ensures that systems containing credit risk information are updated to support accounts receivable reporting, portfolio analysis, bad debt reserves recommendations, and collaboration across the enterprise
Accountable for meeting production requirements and service level agreements. In addition, responsibilities include mentoring, training, and overseeing the quality of the Credit Analysts’ work

152

Senior Credit Analyst Resume Examples & Samples

Must have a minimum of 2 years commercial real estate or credit analysis experience
Degree in Business
Proficient in Excel and tax analysis
Organized and has the ability to multi-task
Ability to manage transactions from underwriting through to closing

153

Senior Credit Analyst Resume Examples & Samples

Analyzes financial data to make decisions regarding acceptable limit of risk within assigned authority level. (20%)
Evaluates and proposes credit facilities beyond assigned authority level (10%)
Approves and denies pending orders and negotiates the release of product within required timeframe. (20%)
Provides leadership for efficient and effective operation of the region in the absence of the manager. (5%)
Responsible for additional duties as assigned (5%)
Negotiates and arranges collection of past due accounts. (5%)
Approves and denies second level reviews for credit analysts. (5%)
Provides feedback to the manager on peer performance (5%)
Responsible for the training and development of personnel (5%)
Ensures team goals are met. (5%)
Identifies and implements efficiency improvements (5%)
3 to 5 Years of relevant work experience
Possesses strong leadership skills with a willingness to lead, create new ideas, and be assertive
Possesses strong organizational and time management skills, driving tasks to completion
Able to constructively work under stress and pressure when faced with high workloads and deadlines
Able to work independently with minimum supervision
Able to exhibit ability to be sensitive to the needs, concerns, and feelings of others
Able to use relevant computer system applications at a basic level

154

Senior Credit Analyst Resume Examples & Samples

3 or more years of work experience performing the essential duties of the Senior Credit Analyst. (Required)
2 or more years of experience in credit analytics. (Preferred)
2 or more years of experience in the working knowledge of bank products and types of commercial loan structuring. (Preferred)

155

Senior Credit Analyst Resume Examples & Samples

3+ years of Credit Analysis experience; 1+ year of experience within a Banking Training program or RMA Credit Training program
Bachelor's Degree in Accounting, Finance and/or a related field
Previous experience with Analysis and Cash Flow preparation based upon Personal and Business Tax Returns, Credit Reports and Financial Statements
Previous experience with Accounting, Business Administration, Finance, Marketing, etc.)
Working knowledge of Financial Spreading System
Working knowledge of Baker Hill

156

Senior Credit Analyst Resume Examples & Samples

Responsible for reviewing complex loans to ensure credit standards are maintained and loans meet established credit policy
Acts as a resource and provides guidance to other staff members on issue resolution, complex issues or problems, recommendations etc
Works independently and has discretion to exercise judgement
Develop and analyze all types of credit and financial information to prepare reports on borrower’s financial position and credit worthiness
Accompany relationship managers on client calls
Prepare financial statement spreads, trend analysis, and ratio analysis to assess cash flow, collateral, industry risks, and guarantor strength
Categorize and use business member information to interpret financial and industry specific trends
Conduct site visits and appraisal reviews to assess collateral offered for new and existing loans
Provide recommendations on loan structure, risk rating, pricing and covenants
Prepare credit memos and presentations for the appropriate level of lending authority and/or loan committee
Monitor existing commercial loans for compliance with loan covenants and monitor borrowing base requirements
Assign appropriate risk ratings to new and existing loans and identify any deterioration or change in borrower capacity to meet the terms of the loan and related covenants
Review loans that have become delinquent or are otherwise determined to be on the watch list, and make recommendations for modification and/or restructure when appropriate
Promote honest and open communication throughout the credit union
Excellent oral and written communication skills with strong attention to detail and organization
Knowledge of laws and regulations that govern lending and accounting practices
Interpersonal skills essential for interacting with credit union staff at all levels of the organization as well as business members
In-depth, credit-related mathematical skills required
Excellent decision-making and problem solving skills
Excellent working knowledge of financial institution products and services, especially business products and services
Proficient in operational procedures related to servicing and monitoring of loans
Strong practical understanding of general economic principles relating to all aspects of finance
Experience with SBA loans is preferred
Bachelor’s Degree in Finance, Accounting, Economics or Business Administration with relevant course work required

157

Senior Credit Analyst Resume Examples & Samples

Minimum of 5 or more years of directly related experience, preferably in credit/collections
Proficiency in written and spoken English & German
Six Sigma Green Belt Certification

158

Senior Credit Analyst Resume Examples & Samples

Technical/Professional
Strong understanding of and ability to analyze financial statements and other business data
Background in lending/finance/accounting/banking
Strong understanding of the Order to Cash business model and processes
Advanced Excel, Word and BW expertise and Reporting/Query skills. Strong knowledge of SAP and some JBA needed
Bachelor's degree or higher in business, finance, or accounting is preferred

159

Senior Credit Analyst Resume Examples & Samples

Through fundamental credit analysis, provide timely recommendations in support of investment and portfolio management needs and new-issue and secondary-market opportunities. Analysis to include total exposure, maturity, and relative value considerations, as well as consideration of broader Genworth investment goals, strategies and risk tolerance
Share knowledge – both verbally and in writing -- regarding ongoing credit or sector developments with other members of the Corporate Credit Research Team, Private Placements and Genworth Investments
Prepare timely, comprehensive written analyses on individual credits, sectors, or events and cogently present facts, analyses, conclusions, and recommendations to a broad audience within Genworth Investments
Maintain and report-out on individual credit or sector events to a broad audience within Genworth Investments and convey implications relative to the portfolio
Review and analyze transaction documents and assess strengths, risks, and value of deal covenants and structure Interact with rating agencies, Wall Street analysts, and other independent sources to obtain external views on individual credits or industries
Lead or participate in monthly credit reviews and credit surveillance discussions and provide in-depth assessment of identified names for periodic accounting valuation processes Provide credit research to support new business initiatives
Develop and maintain relationships with industry peers and participants including Genworth’s primary securities dealer coverage
Leading or actively contributing to division-wide projects and process improvement efforts
Developing and maintaining working relationships among large teams in a matrix organization
Teaching and mentoring Investments Associates
Capably influencing members of the Investments Leadership Team
MBA or equivalent degree and 5-7+ years corporate credit research experience
Experience and demonstrated ability in analyzing corporate financial statements
Excellent written and verbal communications skills and the ability to present effectively to Investment Area leadership and broader groups
Solid decision-making skills regarding core credit responsibilities, requiring only limited guidance and oversight
Strong functional capability with Microsoft Office (Excel, Word, PowerPoint, Outlook) suite of applications and Bloomberg terminal functions
Experience covering the Energy sector and/or commodity-driven sectors
Understanding of current credit risk models such as KMV, etc

160

Senior Credit Analyst Resume Examples & Samples

Perform independent financial analysis in accordance with established procedures for existing and potential borrowers
Serve as the primary point person for loan renewals
Complete financial statement spreads regularly
Work credit exceptions and credit ticklers regularly
Assist with loan advance requests
Construct financial statement spreads and loan portfolio management reports/analysis
Participate with Commercial Bankers in loan request discussions with existing and potential borrowers
Collaborate with Commercial Bankers on follow-up for covenant violations, monitors financial statement submission maturity date renewals and past due reporting, and loan underwriting

161

Senior Credit Analyst, Institutional Banking Resume Examples & Samples

Serves as a system expert assisting loan officers in their completion of credit write-ups, projections, adding debt schedules, creating pro-forma columns, combining business and personal cash flows, etc
Maintains loan approval tracking, Credit Action Memo (CAM) log of approved loans, shared drive folder of approval CAM’s and sends loans requiring Board Ratification to management
Maintains Credit file compliance items (i.e. financial reporting and performance covenants for borrowing customers)
Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: Regulation Z (Truth in Lending Act), Regulation B (Equal Credit Opportunity Act), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Bank Secrecy Act (BSA) in conjunction with the USA PATRIOT Act, Anti-Money Laundering (AML) and Customer Information Program (CIP), Right to Financial Privacy Act (RFPA, state and federal) and Community Reinvestment Act (CRA)
Ability to organize and prioritize work schedules on a short-term and long-term basis
Ability to deal with complex difficult problems involving multiple facets and variables in non-standardized situations

162

Senior Credit Analyst Resume Examples & Samples

2-3 years of related training and experience in commercial credit analysis
Mastery level proficiency with MS Office Desktop applications
Strong interpersonal skills and solid written communication are essential
Demonstrated proficiency with the Commercial Portfolio Analyst functions and/or completion of a Commercial Banking Training Program
Mastery of SunTrust bank operating systems inclusive of COMPASS and other Commercial applications (i.e. MRA, salesforce.com, CLO, CMT)

163

Senior Credit Analyst Resume Examples & Samples

Maximize Cash Collection
Achieve individual DSO target and assist other team members to ensure company target DSO is met
Conduct credit vetting process on new and existing customers
Maintain A/R accounts on SAP and Oracle system including Order Release
Ensure that the ledger ageing stays within business guidelines
Excellent communication required internally and externally
Ensure timely reporting requirements are met
Manage debit note flow through to crediting to ensure that we are maximizing our debtors position
Coordinate to resolve any commercial disputes to maximize commercial collections
Consolidated reporting and analysis of AR reporting
Ensure DSO is within the credit period allowed
3-5 years’ experience in multinational company, preferably in Gulf Countries
Ability to learn quickly and interact with disciplines outside of Finance/Accounting
Proficiency in Microsoft Excel, Word, Power point
Oracle/SAP and Encore experience is a plus
Demonstrated ability to effectively use data into usable and understandable information
Proficiency in Letter of Credit, bank guarantees and other credit instruments
Compile Market information on companies and review balance sheet items

164

Senior Credit Analyst Resume Examples & Samples

Prepares detailed credit analysis reports including recommended credit limits typically greater than $1 million dollars in a format prescribed by management. Formal summary analyzes the customer’s current and forecast financial stability and risk and interprets the information provided into a meaningful summary. Provides solid recommendations based on facts to Credit Management for review. (50%)
Researches and gathers financial information on customers from all sources available including the sales force, previous payment history, customer supplied data, agency ratings, bank references, internet, and trade references. Works closely with sales force to gather all appropriate information. (30%)
Works closely with account set-up staff and sales rep with respect to initial determination of credit limit and terms in order to more efficiently service the needs of existing and new or potential customers. Assists in determining credit limit necessary to fully enable optimum buying while minimizing risk. Also assesses credit worthiness on case by case basis for emergency orders, buy-ins and unusually large orders, etc. (10%)
Follows for open credit conditions and ensures UCC filings are maintained to minimize credit risk in the assigned portfolio. (5%)
Performs other duties and projects as assigned (5%)
Working knowledge of secured lending transactions
Ability to communicate well with many groups (customers, banks, sales dept, other finance employees, etc.)
Professional writing skills, attention to detail, excellent verbal and written communication skills
Demonstrated expertise in preparing written credit analyses

165

Senior Credit Analyst Resume Examples & Samples

Underwrite and decision small ticket credit applications within assigned credit authority and/or make recommendations to the Credit Manager. This will involve the review and interpretation of various credit reports, including but not limited to Dun and Bradstreet, Paynet, and consumer bureau reports
Work in a dynamic, fast paced environment with little supervision and be able to juggle multiple tasks at once
Aid the Credit Manager in the drafting and implementation of departmental policy and criteria specific to individual vendor programs
Serve as the point person for various small ticket programs offered by the company
Perform the basic underwriting on large ticket applications and prepare them for review by a Credit Analyst or the Credit Manager
Help to train and develop Credit Analyst - Application Only employees and other credit department staff
Aid in the preparation of various reports specific to the credit department (i.e. quarterly reviews of existing vendor relationships, various weekly and monthly statistical reports, etc.)
Communicate effectively with other credit team members and individuals within other departments
Understand and implement Hitachi Capital America Vendor Services credit policy
Being well versed in interpreting credit bureaus including, but not limited to, Dun and Bradstreet, Paynet, and personal credit reports
Candidates should be self-motivated, possess a desire to learn, and have aspirations for expanded responsibilities and growth within the company
Minimum of three years of commercial credit experience, preferably within the application only/small ticket spectrum of the leasing industry
Bachelor's Degree in Accounting, Finance, Business Administration, or other related field

166

Senior Credit Analyst Resume Examples & Samples

Analyzing loan request exhaustively to ensure proper credit recommendations
Using excellent accounting skills and acumen to review the financials of all loan requests
Staying ahead of non-performing loan situations by examining adverse trends, and performing frequent portfolio reviews
MUST have an Accounting Degree
MUST have no less than five years of Commercial Credit Analysis / Credit Risk experience in a bank or financial institution

167

Senior Credit Analyst Resume Examples & Samples

Assess credit risk and establish/recommends credit limits in accordance with established limits of authority matrix
Negotiate customer discrepancies or disputes to resolution and document root cause
Provide financial order management support to control credit exposure, effect timely payment, and minimize risk of customer disputes
Develop relationships with internal and external customers and suppliers and provide customer service support
Follow up with internal and external customers to ensure prompt payment of receivables
Maintain accurate credit files and collection files. Maintain electronic collection notes for each customer account
May be responsible for training new credit team members and others as needed
Document root causes of issues that cause receivable aging. Report findings to management and suggest possible courses of action to remedy
Develop and implement process improvements to reduce or eliminate internal and external errors. Will need to communicate effectively with all internal and external stakeholders
Ensure orders are reviewed and approved in a timely fashion. Obtain approval for release in accordance with established limit of authority matrix
Support deduction resolution efforts of deduction analyst(s) assigned to portfolio
Abide by Robinson-Pattman Act, Fair Debt Collection Practices Act, Cannons of Business Credit Ethics, and Eaton Ethics Policy at all times
Minimum 1 year of credit related experience
No relocation benefit is being offered for this position. Only candidates that currently reside within a 50 mile radius of the Moon Township, OH facility will be considered
Bachelor’s degree in Accounting, Finance or related field
Experience with letters of credit and other risk mitigation tools
Ability to apply basic accounting principles in the interpretation of customer financial statements
Strategic thinking demonstrating effective evaluation and problem-solving skills
Strong business writing and professional communication skills
Strong customer focus and interpersonal skills
Strong ethics, values and the ability to influence and impact others' decision making
Ability to deal with ambiguity and make decisions under minimum supervision
Ability to develop relationships with internal and external customers
Demonstrates effective customer service skills

168

Senior Credit Analyst, Santa Ana Resume Examples & Samples

Requests and tracks real estate appraisals, environmental reports and reviews, and distributes as appropriate. Maintains applicable logs and files
Initiates and monitors receipt of problem loan reports (PLR). Follows up with officers if PLR’s are overdue
Coordinates necessary correspondence
Contributes to underwriting tasks for new and renewal credits, including but not limited to: providing financial statements, tax returns and personal credit reports, conducting Universal Commercial Code (UCC) searches, asset verifications, and credit investigations
Performs spread analysis on business and personal financial statements and tax returns on department specific spreadsheet software
Maintains a data base of borrower financial statements on department specific spreadsheet software
Responds to requests from third parties for credit and account rating information and CPA firm confirmation under bank’s established credit policies
Become proficient in the use of Business Analytics software report writing tool. Provides reports using Business Analytics
Advanced math skills; calculate interest and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs
Bachelor’s Degree in Business or Accounting and a minimum of 5 years’ related work experience and/or training
Work related experience must consist of performing credit analysis duties in a banking or financial services environment

169

Senior Credit Analyst Resume Examples & Samples

Bachelor's degree in Finance, Accounting or Business requried
Minimum 5 years of credit or financial analysis experience required
Good verbal and written communication skills to present clear and precise recommendations based upon analysis for action on loans
Strong analytical, organizational, interpersonal and communication skills
Proficient in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)
Working knowledge of accounting and financial statement analysis
Requires thorough knowledge of appropriate banking laws, regulations and bank policies and practices
Completion of Credit Boot Camp required

170

Senior Credit Analyst, Bangalore Resume Examples & Samples

Detailed fundamental analysis of large ABB customers leading to establishing an internal credit rating (A-E) and finalization of global credit limit
Involvement in conducting detailed fundamental analysis and assigning of internal credit rating (A-E) and credit limit recommendation for major ABB bank relationships
Involvement in conducting detailed fundamental analysis and recommendation on key insurance counterparties/commercial paper issuers/ other suppliers
Participation in conducting country credit risk assessment through periodic reports as well as detailed reviews from a credit risk perspective as a part of yearly update or on an ad-hoc basis upon request
Responsible for collaborating with country credit risk manager and provide inputs for specific quality improvements in risk reporting and credit assessments
Prepare material for presentations (e.g. Group Credit Committee; Group CFO), data analytics and statistics, upon request of Head GCR and maintain internal communications platforms
Participation in ongoing evaluation of new tools and development of tools for standardization of process at group level as well as country credit organization and country treasury organization level
Contribute to develop, maintain and upgrade GF-GTR GCRM’s tools (e.g. financial screeners, templates, dashboards, processes, ‘Early warning systems’ for third party credit risks & country risks)

171

Senior Credit Analyst, EFS Resume Examples & Samples

Analyze credit data and financial statements to assess for risks in the extension of credit to domestic and international accounts for DVD/BD, Video Games, Digital channels as well as other WB business units
Conduct bank & trade reference and background checks
Assist the Department in various ad hoc projects
Collections and maintenance of customer resale tax certificates

172

Senior Credit Analyst Resume Examples & Samples

Update/review credit limits in accordance with Company Credit policy or as needed to support Customer purchases. Monitor industry and payment trends, news releases, trade information
Coordinate bankruptcy activities, support for preference claims, etc. for large bankruptcies
D&B system enhancements, maintenance and administrative support
Review/troubleshoot issues with industry trade tape. Coordinate responses for benchmarking surveys for industry credit group
SAP SME for Credit module functionality. UAT testing for upgrades
Work involves confidential and/or sensitive information. Discretion is essential
Experience / exposure with SAP

173

Senior Credit Analyst Resume Examples & Samples

Analysis of increasingly complex commercial credit requests including credit and financial information of business and individuals to determine the degree of risk associates with the extension of credit
Manages due diligence and loan documentation efforts including collateral analysis of current and prospective customers
Prepares and conducts Credit Approval Presentations (“CAPs”) including summarizing and reporting trends and presentation to Bank’s Credit Committees
Responsible for loan monitoring and testing requirements. Assist in the closing of loans and reviewing and maintaining credit files and compliance reviews
2 - 5 years previous credit analyst experience preferred

174

Hkg-senior Credit Analyst Resume Examples & Samples

Partner with the Brand Finance to provide financial support and guidance
Analyse credit data
Evaluate with records and recommend payment plan
Preparing credit reporting with information in use for decision making
Centrally manage the Trade Receivable section, Allowance for Bad Debts and AR days, for Actuals, Forecast & Plan and responsible for the monthly variance analysis
Own the AR reporting and Credit Exposure reporting
Maintenance of customer master data
Communicate with Brand Finance and Sales team to resolve complaints
Enhance Gross Receivable forecasting process among the Brands
Enhance AR reserve forecasting process among the Brands, such as Returns and Bad Debts
Owns the Actual, Forecast and Plan for Credit Department expenses
Ensure Consistency across Brands and VF Asia’s reporting, forecasting and planning in accordance with VF International Policy
Ad-hoc strategic analysis in support of new initiatives (returns, allowance for bad debts , etc…)
Oversee all the reporting activities on the above areas of P/L and Balance Sheet
Enhance forecasting techniques and variance analysis
Responsible for internal controls surrounding areas of credit policy and credit management
Perform monthly reconciliation for Receivable, Returns and Bad Debts variance accounts between SAP and MPC

175

Senior Credit Analyst Resume Examples & Samples

Minimum 3 years hands-on working experience in assessing credit risk and/or financial analysis in manufacturing or banking sector
Experience/Knowledge of agriculture sector is preferable
Working knowledge in collection and dealing with legal cases are preferable
Ability to travel up and work at the plant of the assigned business
Ability to travel 30% of the time into location’s sites and key customers
Fluent English (spoken & written)
IT knowledgeable (advanced excel user)
Strong communication skills, ability to partner and engage with multiple functions/stakeholder groups
Tenacity, Independent, Customer focused

176

Senior Credit Analyst Resume Examples & Samples

3-5 years experience in corporate credit risk analysis
3+ years of Customer Relationship management, Accounts Receivable, Cash Collection or Credit Management experience in an international environment
Able to deal with complex situations while maintaining the right balance of customer and business focus

177

Senior Credit Analyst Resume Examples & Samples

Responsible for credit evaluation, billing & receivables of assigned region
Perform timely credit evaluations & support branches of assigned region with sound advice and recommendations that will promote growth as well as prompt collections
Monitor collection status of larger balances. Work with branches on resolution of discrepancies
Closely monitor receivables of 5k and over payment terms for their assigned region
Alert Credit Manager, Region Controllers, Region Presidents and Corp.VP of Financial Operations of potential risks and exposures
Communicate with Branches & Region controllers on regular basis regarding problem accounts and delinquencies; participate in collection conference calls
Address all field inquiries and requests efficiently and promptly
Assist branches with training needs in area of credit and collections
Assist in preference claims negotiations as assigned by Credit Manager
Assist in preparation of bankruptcy claims for assigned region responsibility, associated paperwork, write-offs, and spreadsheets for preference claims
Assist branches with preparation and monitoring of adjustments processing and other write-offs
Assist branches with in-collection placements
Interact and collaborate with AR & Billing staff for account reconciliations and billing discrepancies
Assist Credit Manager in training new staff
Assist with other duties and special projects as assigned by Credit Manager
Strong Credit and Collections background
Proficient in various key financial ratios, DSO, bankruptcy and preference payment claims
Knowledge of accounting fundamentals, P&L’s and balance sheets
Working knowledge of computerized systems, preferably People Soft Credit, AR & Billing
Good leadership skills and ability to motivate people
Accuracy and attention to detail is a must
Knowledge of standard office procedures and practices
Ability to interpret a variety of instructions furnished in written, oral, diagrammatic, or schedule form
Demonstrated proficiency in office productivity software including word processing, spreadsheet, and presentation applications
Excellent planning, organization and time management skills
Ability to carry out multiple assignments concurrently
Skill in clear and concise oral and written communication
Ability to be an effective team member and handle project assignments responsibly
Ability to adapt to changes in the external environment and organization
Courteous telephone manner
Strong customer service and results orientation
Additional hours and longer work days may be required during month end closing and during the system implementation
Maintaining composure in dealing with authorities, executives, clients, staff and the public, occasionally under conditions of urgency and in pressure situations
Successful passage of background, reference, psychological, and controlled substance tests
Required ability to handle multiple tasks concurrently
Computer usage
Handling and being exposed to sensitive and confidential information
Regular talking and hearing
Frequent sitting
Occasional walking, reaching with hands and arms, stooping, kneeling, crouching and crawling
Frequent lifting and/or moving up to 10 pounds and occasional lifting and/or moving up to 25 pounds
Close vision, distance vision, and ability to adjust focus
Work primarily performed in an office environment

178

Senior Credit Analyst Resume Examples & Samples

Bachelor’s Degree in Finance, Accounting or Business Administration, or equivalent work experience
At least 2 years of recent regional commercial credit analyst experience with proven ability to work on increasingly complex deals
Completion of a formal credit training program is preferred
Working knowledge of and compliance with Bank Policies, Procedures and Regulations
Ability to prioritize, plan and organize work. Deliver on time, every time
Ability to make effective written and oral presentations

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