Credit Analyst Resume Sample
Kylie Miller
8167 Will Orchard,
Phoenix,
AZ
+1 (555) 822 8001
Work Experience
Credit Analyst
10/2017
-
PRESENT
Boston, MA
- Prepares financial statements spread sheets and independent credit analyses on the Bank’s existing or potential commercial customers. Performs historical trend and ratio analysis and properly assesses cash flow, collateral, industry risks, guarantor strength and all other major risks to the bank in lending to these customers
- Review and understand various types of incoming customer financial information, including tax returns, financial statements, proformas, borrowing base certificates, compliance certificates to ensure all required information has been received to accurately process the requestSpread financial statements via Moody’s Risk Analyst (MRA) software. Log financial statements into Exception
- Spread financial statements via Moody’s Risk Analyst (MRA) software. Log financial statements into Exception
- Spread financial statements via Moody’s Risk Analyst (MRA) software
- Log financial statements into Exception
- Responsible for financial analysis of moderately complex loans/industries/Customer
- Works more independently but under the guidance and review of lead staff
Credit Analyst
08/2013
-
09/2017
Chicago, IL
- Good understanding of loan risk factors
- Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition
- Supports the lending function by providing analytical support
- Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
- Performing analysis of key quantitative and qualitative factors influencing the credit quality of companies in the Utilities and Natural Resources sectors
- Representing Fitch in panel discussions and conferences arranged by industry associations, regulatory bodies etc.
- Mentoring junior members of the Utilities and Natural Resources sector
- Conducting meetings with Leverage Finance industry management teams
Education
Western International University
2007 - 2012
Bachelor's Degree in Finance
Professional Skills
- Strong reading, writing, and grammar skills; superior analytical and mathematical skills; proficient communicative and interpersonal relations skills
- Excellent organizational skills, attention to detail & ability to handle multiple priorities simultaneously, strong analytical & problem-solving skills
- Strong organizational and prioritizing skills, customer service skills
- Excellent multi-tasking skills and proven ability to work on simultaneous priorities while meeting deadlines
- Strong communication and presentation skills as well as high-quality writing skills and attention to detail
- Proficient computer skills, including Microsoft Office, internet Excellent verbal and written communication skills
- Strong negotiation skills and interpersonal skills
How to write Credit Analyst Resume
Credit Analyst role is responsible for analytical, credit, interpersonal, excel, financial, analysis, business, computer, microsoft, organizational.
To write great resume for credit analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Analyst Resume
The section contact information is important in your 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 Credit Analyst Resume
The section work experience is an essential part of your 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 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 credit analyst position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Analyst resume experience can include:
- Good communication skills, computer skills and interpersonal skills
- Proficient PC skills, especially strong Excel skills including v-lookup and pivot tables
- Excellent communication skills with the ability to effectively present information and respond to questions from associates, peers or management
- Excellent written/verbal communication skills and interpersonal skills to interact with various departments
- Strong technical credit analysis skills (including financial statements analysis, sector research, and financial modelling skills)
- Excellent PC and systems skills including advanced Excel skills
Education on a Credit Analyst Resume
Make sure to make education a priority on your 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 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 Credit Analyst Resume
When listing skills on your 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 credit analyst skills:
- Demonstrate strong verbal and written communication skills with the ability to communicate to various levels of management and business partners effectively
- Good analytical skills, with familiarity with accounting, financial analysis, and reporting. Problem solving skills required
- Experienced team player with strong organization skills, attention to detail and accuracy with the ability to handle multiple competing priorities
- Multitask with Exceptional Time Management and Organisational Skills. Excellent communication skills both verbal and written
- Solid to superior skills in judgment, decisiveness, analysis, oral and written communication and interpersonal skills
- Strong verbal and written communication skills required to effectively foster relationships and generate results with internal and external customers
List of Typical Experience For a Credit Analyst Resume
1
Experience For Credit Analyst Resume
- Be computer literate having strong Excel/Word/PowerPoint and database application skills. Experience with excel based forecasting model would be preferable
- Possesses and demonstrates strong analytical, trouble shooting and problem solving skills
- Above average PC skills and Microsoft Office skills to include Word, Excel, PowerPoint, Outlook, Access and other web based applications
- Strong and effective communication skills via phone and email
- Exceptional interpersonal and communication skills (written and verbal) to liaise effectively across all levels of the organisation and with customers; and
- Strong skill set - Microsoft Office applications specifically Excel, Internet, and related computer skills
- Strong analytical skills including decision-making and problem solving
- Intermediate to Advanced skill working with credit scoring with advanced credit decision skills
2
Experience For Credit Analyst Resume
- Experience and skills having held previous lending authority
- Strong analytical skills with an ability to make decisions with varying levels of information
- Demonstrated problem solving skills, with the ability to get to root cause and implement corrective actions
- Demonstrated knowledge of business credit law and analytical/problem solving skills
- Strong credit evaluation and analytical skills, including familiarity with credit bureau analysis measures
3
Experience For Credit Analyst Resume
- Strong analytical, numerical and problem-solving skills
- Demonstrate a proven track record, with demonstrated success in the following areas
- Proficient computer skills, especially strong in Excel and Outlook
- Collaborative, good communication skills
- Strong analytical skills required to quickly identify any trends and/or patterns to customer payment issues
- Solid PC skills, particularly in MS Office Suite
- Strong Excel skills (Vlookup important, Pivot Tables+)
- Self starter with excellent communication, relationship management and interpersonal skills
- Strong PC skills in Excel (VBA, advanced formulae) and Word
4
Experience For Credit Analyst Resume
- Strong communication and presentation skills internally and externally, written and oral
- Proven database and advanced Microsoft Excel skills
- Strong excel skills with an ability to manipulate financial data and make decisions with varying levels of financial information
- Effective Customer Service, Negotiation, and Mediation Skills
- Strong communications skills to present credit information to various levels of the organization
- Computer literate with strong Excel/Word/PowerPoint and database application skills
5
Experience For Credit Analyst Resume
- Strong communication skills – verbal and written – as well as the capacity to build relationships and make a contribution
- Proven database and spreadsheet skills
- Excellent customer service, relations, and advocacy skills
- Strong analytical skills and keen attention-to-detail
- Strong interpersonal skills needed such as integrity, assertiveness, initiative
- Language skills: Fluent Gemran (ideally Swiss German)and French, good English
6
Experience For Credit Analyst Resume
- Good MS office computer skills (in particular Excel)
- PC skills: demonstrated ability to work with email programs and MS Office tools
- Excellent verbal and written communication skills. Ability to deal with professional client base
- Strong credit skills in underwriting, financial analysis, cash flow analysis and adherence to policy
- Proficient in all MS Office applications; strong Excel skills
- Excellent oral and written skills with the ability to deal tactfully, confidently, and ethically with both internal and external customers
- Strong communication skills with ability to provide succinct and articulate credit analysis and recommendations
- Strong interpersonal and organizational skills with participation in cross-functional teams to improve processes
- Strong client relationship and communication skills, both verbal and written
7
Experience For Credit Analyst Resume
- Possesses good judgment and communication skills
- Strong Excel & analytical skills required
- Computer skills and experience in work in the Oracle systems environment
- Excellent spoken and written communication and presentation skills, fluency in business English
- Good relationship and communication skills, both verbal and written
- Solid client relationship and communication skills, both verbal and written
8
Experience For Credit Analyst Resume
- Strong organizational skills with ability to multi-task, plan and provide consistent follow-up
- Good communication skills with the ability to interact with all levels of organization
- Strong command of verbal and written skills in Chinese
- Excellent demonstrable written and verbal communication skills in English and French
- Excellent demonstrable written and verbal communication skills in English and German
9
Experience For Credit Analyst Resume
- Planning & Priority Setting (Level 2):Manages additional/competing priorities
- Planning & Priority Setting:Manages additional/competing priorities
- Communicate effectively in writing, including proficiency in grammar and spelling
- Basic skills in personal computer operation including: word processing and spreadsheet software (i.e., Microsoft Word, Excel, etc.)
- Prior experience in Advertising and/or Media Buying
10
Experience For Credit Analyst Resume
- Two to five years of commercial lending experience including proven ability to make sound independent credit analysis and decisions
- Proven experience with creating and understanding complex financial models
- Mentor and develop accounting skills for accounting staff
- Strong understanding of financial concepts and 1-3 years’ experience in a credit underwriting role
- Demonstrated experience with credit lending and conducting credit analytics
- Proven record of achievement in structuring retail and commercial transactions as well as wholesale financing and collections experience desired
- Two to five years of commercial lending / appraisal / analysis experience including proven ability to make sound independent credit analysis and decisions
- Capable of effectively analyzing and resolving issues and questions in a professional manner
List of Typical Skills For a Credit Analyst Resume
1
Skills For Credit Analyst Resume
- Strong PC skills (very good Excel skills) and experience with other Microsoft Office products: Word, PowerPoint, Outlook, etc
- Demonstrably strong business English and Mandarin writing skills are essential; fluent English and Mandarin oral communication skills required
- Demonstrably strong business English writing skills are essential; fluent English and Mandarin oral communication skills are essential
- Good to superior skills in: judgment, decisiveness, analysis, communications (both oral and written), and interpersonal skills
- Strong credit and analytical skills evidenced by past experience in an analytical or similar role
- Excellent communication skills in English (verbal and written). Additional language skills advantageous
2
Skills For Credit Analyst Resume
- Excellent organizational skills and communication skills are essential to the position
- Experience building strong relationships, solving problems and communicating effectively with dealers/merchants, customers and internal partners
- Excellent multi-tasking skills and proven ability to work on simultaneous projects while meeting deadlines
- Be computer literate having strong Excel/Word/PowerPoint and database application skills. Experience with excel based forecasting model would be desirable
- Strong credit / risk analysis skills and experience in evaluating credits and making credit/investment recommendations
3
Skills For Credit Analyst Resume
- Banking/financial services experience in credit / lending with strong credit risk management and financial analysis skills
- Possess strong numeracy skills and experience with excel financial models, forecasting and sensitivity analysis
- Demonstrate excellent written, verbal communications, listening and interpersonal skills
- Strong accounting and financial analysis skills and knowledge of/experience in financial models and quantitative analysis
- Strong analytical skills, experience in analyzing open court database
- Strong organizational, time management, and effective communication skills both written and verbal
- Financial analysis skills - the ability to understand and analyze company's financial statements, demonstrated experience and track record required
4
Skills For Credit Analyst Resume
- Strong time management and good communication skills
- Good communication & prioritisation skills
- Exceptional financial analysis skills and intermediate MS Excel skills
- Strong written communication skills with experience in preparing credit submissions
- Interpersonal skills necessary to deal with others effectively
- Strong PC skills with proficiency in Excel and experience with other Microsoft Office products: Word, PowerPoint, Outlook,
- Intermediate to advanced skills with Microsoft Office, advanced skills necessary in Excel
- Excellent communication skills with good command of written and spoken English and Mandarin Chinese, other regional languages is helpful
- Provide evidence of strong communication, sales and negotiation skills and computer knowledge
5
Skills For Credit Analyst Resume
- Strong PC skills with proficiency in Excel and experience with other Microsoft Office products: Word, Outlook
- Advanced Excel and Powerpoint point skills required. Intermediate skills with additional Microsoft applications
- Strong Understanding of Credit Specific math skills and common measurement tools including DSO calculations, Current Ratio, and Cash Forecasting
- Strong excel skills supporting modelling and financial forecasting
- Strong problem solving skills with the ability to analyze a situation consider all options and anticipate outcomes before providing recommendations
- Strong analytical skills are essential for problem solving and independent decision making
- Strong analytical skills relating to loan structures for calculating credit metrics (debt service coverage, leverage ratios, capitalization, etc.)
- Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software
6
Skills For Credit Analyst Resume
- Good analytical skills and general understanding / knowledge of commercial and corporate lending
- Strong Excel skills, financial analysis – including projection modeling
- Excellent credit, analytical, quantitative and problem-solving skills (5-10 years in banking)
- Strong analytical, decision making, and problem solving skills. High attention to detail
- Critical thinking , excellent analytical and reasoning skills
- Demonstrated experience in balancing multiple and/or changing priorities
- Strong PC skills, particularly word processing, spreadsheet, databases, and presentations
7
Skills For Credit Analyst Resume
- Excellent and concise written and verbal communication skills including professional grammar and demeanor
- Excellent facilitation and consulting skills are necessary to successfully perform this job
- PC Skills required include strong working knowledge of Microsoft Office, SAP, GetPaid and the HighRadius Online application system
- Good accounting and business math skills needed to accurately understand customer Accounts Payable data
- Good problem solving, communication and negotiation, as well as teamwork skills
- Basic accounting procedures and good math skills required
- Effectively secure prompt payment from customers while employing commercial sensitivity, business acumen, and good judgment
- Strong written (report-writing) and verbal communication skills
- Demonstrated team building attitude and skills
8
Skills For Credit Analyst Resume
- Proven credit experience with preference for experience in a manufacturing based company
- Proven history in attention to detail, organizational skills and problem solving abilities
- Strong PC skills including Excel, and Microsoft Office products
- Strong analytical skills with a deep understanding of macroeconomic concepts and financial statements
- Team player, with strong stakeholder management skills (influencing / negotiation / persuasion)
- Demonstrated oral / written communication and negotiating skills
9
Skills For Credit Analyst Resume
- Organizational skills with the ability to handle multiple demands and changing priorities
- Excellent problem solving, organizational, and analytical skills
- Language: Czech and fluent English. Strong English writing skills required
- Critical thinking and analytical abilities combined with strong interpersonal skills
- Excellent presentation and communication skills – this is a client facing position
10
Skills For Credit Analyst Resume
- Strong accounting/finance education and skills as well as knowledge of loan and capital markets products
- Strong credit, analytical and modeling skills
- Strong analytical skills and familiarity with lending processes, laws and regulations
- Excellent report writing skills are essential
- Excellent written & verbal communication skills including negotiation and conflict resolution
- An individual with strong organizational skills and comfort with managing multiple work streams
List of Typical Responsibilities For a Credit Analyst Resume
1
Responsibilities For Credit Analyst Resume
- Extensive knowledge of SAS and other risk management technology with the ability to leverage such tools to improve the organization’s decision making criteria
- Solid written and verbal communication skills in English. European language skills such as Spanish, Italian or German would be helpful but not essential
- Strong organizational skills with demonstrated ability to work under pressure, manage multiple tasks and respect deadlines
- Skills in the areas of oral and written communication, negotiation and interpersonal skills, and problem resolution
- Good accounting and financial modelling skills
2
Responsibilities For Credit Analyst Resume
- Experience in credit /risk analysis. Excellent knowledge in finance analysis, consolidated reporting analysis, contractual and civil law
- Strong analytical and decision making skills with an attention to detail
- Strong SAS (Statistical Analytical Software) skills, with ability to conduct extensive data research and manipulation of large datasets
- Bilingual (French and English), excellent communication skills (spoken and written)
- Good interpersonal and communication skills with ability to work cross- functionally especially with sales force
- Open-minded with good interpersonal skills
- Excellent communication skills and ability to build network quickly
- Goal oriented, motivated, excellent organizational skills & ability to handle tight deadlines
- Handle credit situations using strong analytical and problem-solving skills
3
Responsibilities For Credit Analyst Resume
- Good people relation and negotiation skills including ability to influence and persuade others
- Excellent written and verbal communication skills and desire to work cross-functionally
- Have good interpersonal,compromise and communication skills with people at all levels
- Strong professional communication skills with all levels of internal and external customers
- Strong Analytical skills (quantitative and qualitative analysis)
- Excellent demonstrable written and verbal communication skills in English and at least one Scandinavian language
- Excellent MS Word, Excel (vlook-ups & pivot tables), Power Point skills
- Have strong analytical skills with a deep understanding of financial statements and accounting concepts as well as project finance structures
- Strong written and oral English skill and extensive experience in both internal and external presentations
4
Responsibilities For Credit Analyst Resume
- Excellent computer software skills (Microsoft Office suite) are essential
- A team player with good interpersonal skills is essential
- Excellent Excel skills and affinity with IT programs/tools in general
- Excellent verbal and written communication skills, ability to work with well with senior managers both internally and externally
- Demonstrated organizational and follow up skills with the ability to drive results
- Solid influence skills
- Excellent communication skills: both orally and in writing
- Excellent communication skills, both oral and written at all organizational levels
5
Responsibilities For Credit Analyst Resume
- Credit and financial analysis skills as evidenced by ability to calculate, interpret financial ratios, D&B reports, industry and trade credit reports
- Collaborative, Problem Solving, Effective Communication skills
- Strong written and oral communicate skills
- Good comprehension & interpersonal skills
- Outstanding analytical skills, including the ability to interpret risk thru analysis of financial ratios
- Credit Analysis experience (1-2 years). Reviewing credit and analyzing risk. Ideally having some experience outside the banking industry
- Strong quantitative / analytic capabilities, with 3+ years of experience in developing and recommending analyses / strategies
6
Responsibilities For Credit Analyst Resume
- Established credit underwriting and analytical skills, including familiarity with personal credit bureau reports and commercial business reports
- Supports the firm’s portfolio investment process via effectively advocating the research opinion into the portfolio management teams
- Finance & Accounting skills required
- Strong attention to detail with previous consulting experience
- Commercial collections experience (2-3 years). Ideally has experience managing large portfolios with a focus either in construction or retail
- Financial analysis experience, preferably credit analysis, or buy-side experience evaluating relative value, or equity valuation
- OR four (4) years or more related experience and/or training; or the equivalent combination of education and experience
- Effective skill with business writing to include credit analysis reports
7
Responsibilities For Credit Analyst Resume
- Demonstrated strong written and verbal communication (spelling, grammar, punctuation)
- Basic computer skills and basic understanding of Microsoft Outlook, Word, and Excel required
- Interact effectively with various internal business groups’ (Legal, Commercial, Treasury, Accounting and Contracts) as well as external counterparties
- Commercial credit and/or collections required; personal computer (Excel, Word; problem solving, and financial analysis skills
- Strong collections and accounting experience
- Strong credit acumen and can have experience holding credit limits in a previous role
- A solid understanding of utilities & transport sectors and / or credit analysis experience, in particular with regulated networks in the UK
- Good credit analysis and report writing skill
- Can effectively collaborate and negotiate with business partners and assigned credit team fostering teamwork, creditability and trust
8
Responsibilities For Credit Analyst Resume
- Prior experience in utilizing T-Value and Microsoft Office (word, excel, etc.)
- Proven ability to achieve credit and collection goals while retaining customer goodwill
- With 8 years credit risk analysis experience with solid China exposure
- Fluent Mandarin and English skills are necessary due to geographic coverage
- Be an independent thinker with the ability to effectively articulate an investment thesis and recommendation
- Demonstrated experience issuing credit decisions under established credit authority of $1 million or more
- Demonstrated experience working with customers and the ability to foster positive relationships
- Meets with internal and external customers to discuss and advise on credit related issues. Effectively present information
9
Responsibilities For Credit Analyst Resume
- Advanced analytical and financial analysis skills
- Excel in computer skills - Word, Excel, Power Point, etc
- Credit experience or other similar financial experience
- Intermediate skills in MS Outlook, Internet Explorer, Word and Excel
- Collection and resolution of accounts receivable quickly and effectively
- Proven relevant experience gained within a financial services oriented environment, specifically covering credit assessment, would be advantageous
- Well developed interpersonal and relationship building skills
- Computer proficient including MS Office skills (Excel, Access, Word ,Power Point)
- Computer skills, thorough knowledge of ERP systems
10
Responsibilities For Credit Analyst Resume
- Prior credit experience in equipment financing, is an asset
- Proven experience with diagnosing and accessing credit risk and offer alternative solutions to help minimize risk
- Effectively communicate ideas and information in a professional manner
- Computer skills – word processing and spreadsheets
- At least one year credit analysis experience or equivalent work experience in a financial related field
- Exceptional skills in financial statement analysis and evaluation of credit dynamics is required
- Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines
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