Corporate Credit Analyst Resume Sample
Edyth Mayert
842 Imogene Circles,
San Francisco,
CA
+1 (555) 938 6019
Work Experience
Senior Corporate Credit Analyst
10/2016
-
PRESENT
New York, NY
- Management of entire credit lifecycle of clients
- Lead in delivering and performing historical trend and ratio analysis, assesses cash flow, industry risks and any other risk factors to provide risk assessments and recommended actions
- Interact with client’s CFOs/Controllers, V.P’s of Finance and Presidents to review financials health including onsite client visits when required
- Interact with Senior Sales Leaders, District Managers and Sales Representatives to gather information relative to a customer being analyzed including communication of credit decisions
- Establish Funding terms and Risk Tiers for all new and existing clients
- Manage all escalations from Sales, Banking, Implementation and Service Delivery; provide directions while ensuring compliance with ADP Canada Credit Risk Policy and Risk Matrix Business Initiatives
- Perform enhanced due diligence reviews as it pertains to KYC/AML regulatory requirements for all clients
Corporate Credit Analyst
12/2011
-
04/2016
New York, NY
- Reconcile trader’s position between front office systems (Loantrak/Star) and back office systems
- Assist the Credit Analysts and Credit Coordinators in conducting due diligence of credit requests, sales orders, and company policy-mandated reviews
- Conduct internet researches and analyze financial statements
- Prepare credit recommendations and pull reports from service providers
- Responsible for data cleansing of systems, and many other tasks In support of the Credit team
- Corporate financial modeling under U.S.-based analysts’ supervision and format
- Bloomberg, Microsoft Office experience
- Interacting with rating agency analysts to understand agency’s ratings focus
Junior Corporate Credit Analyst
04/2009
-
07/2011
Detroit, MI
- Develop a credit pre-screening matrix for new client sales orders to identify any credit concerns prior to implementation
- Identify areas for process improvements along with developing, maintaining and implementing process solutions for the Credit Risk team
- Experience with writing analytical reports
- Work efficiently and collaboratively in a fast-paced work environment
- Bloomberg, Microsoft Office experience helpful
- Review of Credit Suisse’s loan participations in syndicated BDC revolvers
- Minimal 3 years of experience in corporate credit / financial analysis role
- Experienced in analyzing industry / sectors with ability to understand business fundamentals
- Experience in analyzing balance sheet and P&Ls of large corporates and conglomerates
Education
Western International University
2005 - 2009
Bachelor's Degree in Finance
Professional Skills
- Good analytical skills, with familiarity with accounting, financial analysis, and reporting. Problem solving skills required. Sound judgement
- Flexibility and strong problem solving skills, particularly (a) ability to prioritize and (b) ability to deal with ambiguity
- Strong time management skills, particularly for timely and orderly processing of renewals and new credit requests. Ability to meet deadlines
- Good team player with excellent interpersonal, written and verbal communication skills
- Min. 2-5 years prior experience analyzing corporate credits in various industries
- Verbal & written communication skills appropriate for a professional environment
- Previous experience analyzing corporate credit and financing transactions is required
How to write Corporate Credit Analyst Resume
Corporate Credit Analyst role is responsible for financial, modeling, reporting, credit, analytical, training, finance, accounting, research, travel.
To write great resume for corporate credit analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Corporate Credit Analyst Resume
The section contact information is important in your corporate credit analyst resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Corporate Credit Analyst Resume
The section work experience is an essential part of your corporate credit analyst resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous corporate credit analyst responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular corporate credit analyst position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Corporate Credit Analyst resume experience can include:
- Excellent organisational skills with the ability to prioritise tasks effectively
- Excellent written/verbal communication skills in English (mandatory)
- Building effective internal working relationships and developing contacts with external market participants
- Good banking product knowledge
- Previous Commercial/Corporatecredit analysis experience
- Direct industry experience
Education on a Corporate Credit Analyst Resume
Make sure to make education a priority on your corporate credit analyst resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your corporate credit analyst experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Corporate Credit Analyst Resume
When listing skills on your corporate credit analyst resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical corporate credit analyst skills:
- Corporate credit analyst experience from Investment Banking, Private Equity or Hedge Fund
- Working experience in a Credit Risk environment
- More than 8 years of working experience in a Commercial Credit, Corporate Finance environment
- Work experience in “Know your Customer” (KYC) matters and topics, including the ability to develop and implement processes
- Some general accounting experience required
- Experience with SAP Financial Supply Chain Management (FIN-FSCM)
List of Typical Experience For a Corporate Credit Analyst Resume
1
Experience For Senior Corporate Credit Analyst Resume
- Work within deal team environment (with GRM, Syndications & Mitsubishi UFJ Securities) supporting Senior PMs (Portfolio Managers) in the development and analysis of financing structures/strategies to support/identify M&A and Corporate re-capitalization opportunities
- Manage all matters related to the submission of credit applications (pre and post approval) and maintaining valid ratings. Liaise with coverage officers, business lines, management and risk approval division to facilitate credit requests on new clients and existing clients on a timely basis
- Perform ongoing monitoring of exposures and provide early identification of emerging risks and problem accounts; recommend appropriate credit actions (ratings downgrade, reduction in limits, submission of watchlist reports, etc) to manage the bank’s exposures and limit corporate risk
- Distant working environment, including also travelling and meeting other EMEA team
- Provide credit terms on documentation (ISDA, loan documentation) appropriate to the risk
- Assessment of Counterparty and Credit Risk
- Preparation of Credit Proposals in support of the Relationship Managers
2
Experience For Corporate Credit Analyst VP Resume
- Coordinate new customer credit application for the US and Canada, and the establishment of credit limits. Communicates directly with customers to obtain the necessary information for account setup or ownership changes. Works closely with Customer Master, Operations and Sales regarding changes in business procedures and practices
- Weekly review of credit limits for hardware shipments. Analyze customer financial information and authorize credit lines. Prepare and maintain credit risk assessments while determining the credit worthiness of prospective customers
- Conduct monthly customer master audits, temporary credit limit reductions, and abandoned property analysis and support. Runs credit reports through Dun & Bradstreet to determine the credit worthiness of customers
- Perform quarterly credit limit reviews and coordinate the recommended changes for the Bloomington, IN, Canada, and Mountain Home, AR customer base
- Adhere to Credit policy and guidelines. Support the establishment of and maintenance of credit policy. Retain accurate customer records which includes data retention into electronic files in DocView
3
Experience For VP / Fixed Income Corporate Credit Analyst Resume
- Complete semi-annual SOX compliance audits working with the Corporate Audit team. Effectively secure payment from customers while employing commercial sensitivity, business acumen and good judgement. Communicating with customers to verify their financial / credit transactions, and resolve discrepancies
- Assisting with credit assessment of investment proposals, including review of research material and financial statements, and in-person meetings with issuers’ senior management
- Review and negotiation of legal documentation in conjunction with internal and external counsel
- Travel to due diligence meetings with issuer companies
- Counterparty Financial Analysis
- Daily review of temporary credit limit increases for hardware orders, and credit review for hardware quotes which includes leases and purchases. Daily monitoring of the credit department email box and fax notifications. Assists with the monitoring of credit held orders for Cash in Advance customers, and customers exceeding 80% of their credit line report
List of Typical Skills For a Corporate Credit Analyst Resume
1
Skills For Senior Corporate Credit Analyst Resume
- Interacting with various internal deal team members requiring solid communication and organizational skills
- Strengthen the credit research process to improve the marketability of the funds as HSBC demonstrates its commitment to a sound investment process
- Scoring and rating credits using AB’s proprietary credit module
- Perform credit control and portfolio management responsibility as assigned by management or Managing Director/Department Head including
- Presents credit approval recommendations to the Managing Director
- Initiate and provide ongoing fundamental and relative value analysis and research to the Portfolio Managers of issuers not covered
2
Skills For Corporate Credit Analyst VP Resume
- A sound knowledge of commercial banking practices, financial analysis and industry specific practices
- Solve problems and make decisions under pressure without sacrificing attention to detail
- The Corporate Credit Analyst is responsible for supporting a proactive approach to credit management for trade accounts receivable
- Interfaces with the collection, leasing and business teams, customers, banks, and legal counsel
- Quickly identify, analyze and assess credit risks of counterparties and perform counterparty risk analysis on an ongoing basis
- Attendance to bank meeting and customer calls as necessary
- Familiarity with derivative financial instruments
- Have 2-4 years of formal credit training, coop, or rotational program experience, or similar analysis and experience with general corporate, C&I, or commercial underwriting
3
Skills For VP / Fixed Income Corporate Credit Analyst Resume
- Relevant and similar experience working as a lead research analyst with an industrial focus in both high yield and investment grade credit with an emphasis on emerging markets
- Out of college with relevant experience in banking and corporate finance (M&A, investment banking, corporate credit capital markets, private equity, etc)
- Experienced in financial statement analysis, good understanding of how to read company financial reports (10K and 10Q filings)
- Well versed in using Excel spreadsheets
- Have 3-5 years of professional analysis experience in an established bank or commercial lending company, performing comprehensive analysis and underwriting of $10-15MM+ corporate and partnership loans
- Research and analyzes financial statements; interprets findings; and prepares various reports
- Maintain documentation files and monitors compliance with terms of loan/accounts
- Prepare report evaluations, ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines and conduct due diligence investigations for prospective transactions
- Proven organizational skills; ability to prioritize effectively
4
Skills For Junior Corporate Credit Analyst Resume
- Proven experience with Risk Management
- Strong teamwork-driven attitude, but also ability to work well independently
- Familiarity with MS Excel, Word and PowerPoint
- Strong interest in building relationships with CFOs, FDs, and Treasurers to develop future lending opportunities. The presence to one day represent MetLife with senior finance staff of portfolio companies and potential private placement issuers
- Demonstrates compliance with HSBC Bank Group Standards, manuals and policies and adheres to the defined work practices, internal controls and risk management standards associated with the role
- Experience in corporate credit analysis
- Follows established credit policies and procedures to maximize the value and minimize the risk of the portfolio
5
Skills For Associate Corporate Credit Analyst Resume
- Assistance to RMs with federal, state and internal audits
- Self-asset evaluation and assessment procedures, preparation of call memos and ensuring compliance with external regulatory requirement and Internal Bank policy and procedural requirements
- Gather, review and analyze critical account information from all available sources by communicating and coordinating with all related division in order to make accurate assessment or judging of the customer's financial condition and ability to fulfill debt obligations
- Obtain and maintain full understanding of the Bank's internal credit policies, procedures and guidelines
- Work within deal team environment (with GRM, Syndications & Mitsubishi UFJ Securities) supporting Senior PM’s in the development and analysis of financing structures/strategies to support/identify M&A and Corporate re-capitalization opportunities
6
Skills For Corporate Credit Analyst & Coordinator Intern Resume
- Work on structured credit transactions (including Financial Solution opportunities, securitizations, specialized leasing transactions, and up-tier proposals)
- Prescreen proposed transactions to identify critical structural issues and risks, balancing institutional policy with business development needs
- Understand and maintain base industry knowledge of industries represented in portfolio, including technical aspects, regulatory issues and unique credit product activity
- Daily monitoring of credit held orders for Cash in Advance customers and reconciling customer statement/billings
- Coordinate and place accounts with 3rd party collection agencies or attorneys, and monitor collection agency and bankruptcy portfolio on an ongoing basis
- Participate in client and bank meetings as necessary
7
Skills For Associate, Corporate Credit Analyst Resume
- Analyze customer financial information and authorize credit lines. Prepare and maintain credit risk assessments while determining the credit worthiness of prospective customers
- Conduct collection calls, negotiate customer disputes to resolution, and determine root cause of problems
- Retain accurate credit & collection files with includes electronic notes for each customer, and maintain and reconcile back-up and files on all known doubtful, closed door and bankrupt accounts (bankruptcy court filings)
- Able to work effectively with all levels of management, internal & external partners
- Respond to operational problems experienced by assigned customers and work with other departments of the Bank for research and resolution
8
Skills For Loan / Corporate Credit Analyst Resume
- Ongoing credit review of existing investments, including attending follow-on meetings and presentations with issuers
- Understanding of relevant business environment including internal control requirements
- Identifying opportunities for potential bilateral, direct investments and marketing to these companies
- Facilitating and processing amendments, waivers and other requested documentation changes
- Liaising with internal and external customers and stakeholders
- Negotiating credit decisions with Corporate Sales and our dealer network
- Using financial models for both credit application process and Quarterly Credit Watch presentations
- Liaising with bankers and advisors to help facilitate deal flow
- Tracking Free Attendance
9
Skills For Distressed Corporate Credit Analyst Resume
- Credit Risk Monitoring (Annual reviews, Covenant Management
- Preparation of written materials, including financial analysis, for credit committee and assignment of internal ratings
- Assessment of pricing on offered transactions on a relative value basis
- Adhere to Credit policy and guidelines. Support the establishment of and maintenance of credit policy
- Effectively secure payment from customers while employing commercial sensitivity, business acumen and good judgement. Communicating with customers to verify their financial / credit transactions, and resolve discrepancies
- Good analytical skills, familiarity with accounting software, financial analysis, and reporting. Problem solving skills required. Sound judgement
- Able to research and evaluate data to make informed decisions
- Actively participates and communicates in the team based Credit Department
10
Skills For Corporate Credit Analyst With CFA Resume
- Assist senior officers by taking a lead role in the preparation of credit recommendation requests, spreading and analyzing historical financial statements, and preparing financial projection models
- Evaluate the customer or prospect's credit needs, analyze the financial statements, and work directly with various consultants including lawyers, and independent engineers
- Identify customer needs and level of servicing required through discussions with junior contacts at clients and prospects—independently handle and interact directly with clients on more routine tasks such as issuing LCs and closing and boarding loans
- Preparation, assessment and approval of credit assessments
- Balance sheet, profit and loss and cash flow analysis
- Completion of post mortem analysis
- Support the management of a segment of an industry vertical loan portfolio
Related to Corporate Credit Analyst Resume Samples
Cib-global Corporate Banking Resume Sample
Work Experience
• Help with projects as requested
• Maintains a calling effort and is aware of client’s needs and cross-sells as appropriate
• Responsible for client engagement and new transaction processes
• Evaluate client’s main issues/needs and outline opportunities ...
Professional Skills
• Strong quantitative, analytical and comput...
• (repetitive with final comment)Excellent M...
• Strong analytical/research skills, and kno...
Corporate Credit Resume Sample
Work Experience
• Responsible for developing practical and appropriate credit solutions (i.e. lending structures) through understanding customers’ needs
• Provide policy and systems’ advice and support to Credit Executives and Client Credit Managers, including investigating ad-hoc queries, liaising with other LOB Mi...
Professional Skills
• Strong consulting and portfolio developmen...
• Confident using Commercial Credit Risk Sys...
• Proven experience in a Credit role at a Ma...
Corporate Financial Analyst Resume Sample
Work Experience
• Experience in either large Corporate accounting or finance group
• Research technical accounting pronouncements to ensure compliance with current and prospective accounting standards
• Provide analysis and research results to Controllership group for decision making purposes
...
Professional Skills
• Strong written and verbal communication sk...
• Strong Excel skills and experience working...
• Excellent communication and presentation s...
Internship, Corporate Resume Sample
Work Experience
• Assisting in the creation and refinement of (often unique) analytics and qualitative insights to assess the optimality of a manager’s/investment’s initial and continuing sizing and fit within its portfolio niche
• Expanding the reporting, usage and depth-of-field of Team’s risk platform provider (B...
Professional Skills
• Excellent written and oral communication s...
• Demonstrate analytic skills with strong pr...
• Troubleshoot, problem solve, and good cust...
Corporate Risk Resume Sample
Work Experience
• Substantiation of Risk data to ensure it is at the same level of precision as Financial data with appropriate metrics
• Comprehensive and consistent controls points between LOB’s and Risk
• Support the Crisis Management Processes (RED’s)
• Setting and/o...
Professional Skills
• Strong communication skills as demonstrate...
• Excellent written and oral communication s...
• Demonstrate track record of attention to d...
Specialist Corporate Resume Sample
Work Experience
• Respond to emails received in the application’s helpdesk mailbox
• Work with the application’s programmer and support staff to resolve any technical issues
• Other Product Operation business units and lines of business (internal support groups/ business partners) re operation...
Professional Skills
• Excellent communication skills in Japanese...
• Excellent communication skills in English,...
• Strong sales acumen, credit and partnering...