Credit Portfolio Analyst Resume Sample
Jaiden Feest
37104 Gerald Corner,
San Francisco,
CA
+1 (555) 905 3759
Work Experience
Assistant VP, Credit & Portfolio Analyst
09/2015
-
PRESENT
Phoenix, AZ
- Build effective relationships across the team, the business and our shared service centres
- Demonstrate Strong financial acumen including comfort working with and assessing counterparty financial statements
- Strong commercial understanding, especially the ability to balance speed, cost benefit and long-term relationship management
- External mind-set and natural curiosity to understand the external environment and the impact is having on the T&S portfolio
- Remain open to different perspectives (i.e. from other businesses & locations) and can switch priorities at short notice
- Demonstrate ability to coach junior team members and take ownership and deliver on specific projects
- Have the ability to influence and persuade through your personal credibility and integrity
- PRMS is responsible for driving and executing key Risk Management initiatives that span across several disciplines, including credit, market, and operational risks. Responsibilities include: Analytics, Loanable Value (LV), CCAR, stress testing, portfolio reporting and overall risk related strategic projects. Key business partners are Investment Finance, Investments and Marketing
- Prepare written recommendations and conduct economic/financial research to evaluate a company’s financial performance and compare this to overall industry and market trends
Credit Portfolio Analyst
11/2009
-
05/2015
Dallas, TX
- Assess Citi products and their appropriateness for the obligors
- Do monthly monitoring of RWA and Basel parameters,
- Do LLR calculations and reporting for Classifiable and Delinquency managed portfolios
- Be responsible for the LLR related submission for CCAR 14A process
- Help team with the ad hoc requests
- Keep all process documentation up to date
- Keep various historical data needed for model development up to date
- Work MCAs, EUCs, presentations
Junior Credit Portfolio Analyst
08/2006
-
10/2009
Philadelphia, PA
- Proactively monitor credit exposure, undertake analysis / investigation where required
- Deliver clear view on corporate banking Obligors using Fundamental Credit Analysis
- Monitor trading limits and exposures of companies to ensure that credit risk levels are within the firm’s risk tolerance
- Prepare financial forecasts and provide financial updates for credit review
- Identify key risks and material changes and highlight it to Risk Manager
- Develop new/enhanced reporting methods and documentation. Drive process improvements to strengthen controls, improve data quality, and reduce production time
- Detail oriented with excellent time management
Education
William Jessup University
2002 - 2006
Mba's Degree in Computer Science
Professional Skills
- Very good analytical and problem solving skills, ability to identify trends
- Graduate (with 0-3 years of experience in finance and Accounting or MBA/CA/US CFA with 0-3 years’ experience
- Graduate (with 0-3 years of experience in finance & Accounting or MBA/CA/US CFA with 0-3 years’ experience
- Graduate (with 4 -6 years of experience in related discipline) or MBA/CA/US CFA with 3-4 years’ of Risk/ Research related experience
- Graduate (with 1-2 years of experience in related discipline) or MBA/CA/US CFA with 0-2 years of experience
- Proficient skills in SAS, SQL, Excel, Word and PowerPoint
- Strong understanding of Credit Risk modeling including PD, LGD and EAD analytics
How to write Credit Portfolio Analyst Resume
Credit Portfolio Analyst role is responsible for programming, basic, retail, finance, credit, training, security, trading, reporting, design.
To write great resume for credit portfolio analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Portfolio Analyst Resume
The section contact information is important in your credit portfolio 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 Portfolio Analyst Resume
The section work experience is an essential part of your credit portfolio 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 portfolio 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 portfolio analyst position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Portfolio Analyst resume experience can include:
- Attend project meetings and contribute information relevant to project design and implementation based upon prior experience (if any)
- Work effectively in a high pressure organization with multiple deadlines
- Sharp quantitative and analytic skills
- Experience in risk management, financial services or relevant field
- Liaising with Paris-based RISQ/CIB staff to take ownership of SGLB-specific credit risk reports (systems, templates and methodologies)
- Line excess & exception monitoring/reporting, Cross-border limit allocation and monitoring
Education on a Credit Portfolio Analyst Resume
Make sure to make education a priority on your credit portfolio 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 portfolio 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 Portfolio Analyst Resume
When listing skills on your credit portfolio 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 portfolio analyst skills:
- Experience with wholesale credit/banking book and securitization risk modeling, stress testing & scenario analysis
- Strong track record in risk management with a leading Corporate and/or Investment Bank
- Strong Relationship building across internal part
- Portfolio management experience spans credit card, revolving lines of credit, auto loans or overdraft protection
- Strong knowledge of Excel, SAS, SQL
- CFA with 0-3 years’ experience
List of Typical Experience For a Credit Portfolio Analyst Resume
1
Experience For Girm-credit & Portfolio Analyst Resume
- Perform daily, weekly and monthly activities related to Loanable Value
- Conduct periodic stress tests and rapid portfolio reviews; impact analysis/ portfolio simulation if LV is reduced
- Working under the supervision of the SGLB Head of Credit risk to develop additional reports as required (stress tests, forward-looking analyses, ad hoc reviews)
- Work under the supervision of the SGLB Head of Credit risk and in collaboration with Business Units to develop interactions and processes, in particular with regards to developing a common shared view of the SGLB credit portfolio
- Monitor SGLB credit portfolios and the relevant client sector/environments according to the segmentation used by the Firm, leveraging as needed on RISQ/ETU analyses
- Design tests leveraging innovative techniques like Design of Experiments to measure risk performance by key levers
2
Experience For Assistant VP, Credit & Portfolio Analyst Resume
- Liaise as required with other RISQ/UK staff members to deliver on shared RISQ/UK objectives (RAF/RAS, transversal analyses etc)
- Liaise as necessary with other SGLB teams as needed to share metrics, in particular Finance
- Develop, test, optimize and implement credit risk management policies and strategies for the Cards portfolio using statistical techniques including linear regression, logistic regression, segmentation and decision tree analysis, etc
- Conduct all Credit Activities as part of the ‘underwriting’/ customer/counterparty on-boarding and ongoing maintenance process mainly for those trading & marketing businesses where the London Credit & Trade Finance team is the relationship owner of the relevant parent company. These include
- Identifying and analysing sector, sovereign and macro issues which might pose a risk to the T&S portfolio, providing recommendations and courses of action to key stakeholders and where appropriate the highest decision making body i.e. Credit Committee
- Analysing counterparties to recommended Credit Terms (e.g. secured/unsecured, amount of open Credit Line) through evaluation of financial statements, business risks and industry and sovereign knowledge
3
Experience For Credit & Portfolio Analyst, Best Buy Resume
- Prioritising high risk counterparties in the T&S portfolio, monitoring triggering events, commercial requirements and events, including emerging news and information which might impact the counterparties in our portfolio and make timely and proactive communication of observations, opinions and required actions
- Valued member of the deal team, supporting various stakeholders on high risk, high-value projects/deals, including New Business Proposals and Structured Finance deals as well as day to trading activity
- Maintain counterparty ratings and reference data within T&S Credit systems in an accurate and timely fashion
- CCAR stress methodologies
List of Typical Skills For a Credit Portfolio Analyst Resume
1
Skills For Girm-credit & Portfolio Analyst Resume
- Graduate (with 0-3 years of experience in Finance and Accounting or MBA/CA/US CFA with 0-3 years of experience
- Education: Graduate (with 0-3 years of experience in finance & Accounting or fresh MBA/CA/US CFA)
- Graduate (with 0-3 years of experience in finance & Accounting or fresh MBA/CA/US CFA)
- Willing to learn new technology and applications
- Play a key role in executing the IB’s Banking Book stress testing, Economic Capital calculation and impairment calculations through the IFRS9 framework
- Capable of managing multiple and varied projects end to end, including ability to coordinate and balance numerous tasks in a time-sensitive environment
2
Skills For Assistant VP, Credit & Portfolio Analyst Resume
- Act as a technical reference for other junior analysts facilitating their training
- Prepared to deal with unexpected situations, anticipating problems and proposing solutions. Identify gaps and seeks alternatives to solve them
- Execute complex credit risk analysis utilizing sophisticated analytical tools including SAS, SAS Enterprise Miner, SQL, and advanced Excel on UNIX and Teradata
- Knowledge of internal controls in a banking environment
- Problem solving capabilities, Meticulous and diligent
3
Skills For Credit & Portfolio Analyst, Best Buy Resume
- Analyze FI borrowers
- Understand local and global financial markets and trends
- Relate macroeconomic trends and their impact on Citi’s Institutional clients
- Reports directly to - Assistant Vice President
- Supervises - Analysts, Junior Analysts
- Reports directly to Industry Team Managers
4
Skills For Junior Credit Portfolio Analyst Resume
- Produce reports and interrogate systems to produce analysis and resolve discrepancies/queries
- Familiarity with the principles of portfolio management
- Member of deal teams for credit related transactions. Main tasks include preparation of green light and transaction approval memos, conducting due diligence, building cash flow models and doing sensitivity analysis. Close interaction with coverage and product teams
- Advanced user of SAS and Microsoft Excel Skilled user PowerPoint, SharePoint
- Experience in risk analytics, policy management and segmentations analysis
- Experience in use of segmentation and CHAID tools like SAS Miner and/or Knowledge Seeker
- Line management experience on consumer credit card portfolio
- Close monitoring of the portfolio
- The team is involved in Credit Analysis for Corporate Banking clients in Western Europe, India & North America
5
Skills For Cbna GCG Credit & Portfolio Analyst Resume
- Provide leadership and mentorship to junior analysts
- Building good and effective working relationships with various teams across the bank (Bankers, Risk Managers, RMU Analysts, Credit Risk Management Services etc)
- Multi-task and coordinate multiple assignments and projects
- Credit approval memo preparation
- A good knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution is essential
- Experience, preferably in a risk or regulatory reporting role
- Professional in Finance, Business Manager, Economist or related areas
- Sound business knowledge of unsecured products like credit cards and related key performance metrics
6
Skills For AVP, Credit & Portfolio Analyst Resume
- Manage technology projects and implementations
- Interact collaboratively with business teams, technology and regulators
- Present / justify data and participate in leadership meetings and regulatory meetings
- CFA (US), CPA, India CFA
- Design, test, retro fit models & champion challenger strategies controlling credit card portfolios using TRIAD & Blaze. Other strategy tools FICO’s Collection Optimization Suite, Experian’s Collection Prioritization and Strategy Suite, CGI’s Strata or Pega Analytics
- Graduate (with 2-4 years of experience in related discipline) or MBA/CA/US CFA with 2-4 years’ experience
7
Skills For VP, Credit & Portfolio Analyst Resume
- Experience automating account management decision involving credit lines, pricing, authorizations, delinquency management and reissue strategies
- Business Group: ICG RISK Management
- Function/Group: ICG RISK Management
- The role proactively reviews and analyses the risk profile of the credit portfolios and recommends adjustments to the risk appetite in line with market conditions
- Identify and quantify the impact of external and internal risks to the credit portfolios via financial volatility analysis, stress testing, impairment forecasting and economic capital modeling
- Understand and interpret variation in key credit metrics
- Confidently present credit views to senior stakeholders within the bank
8
Skills For Intmd Assoc Credit & Portfolio Analyst Resume
- Help implement improvements to the relevant stress testing methodologies and ensuring applicability of these methodologies across all stress testing and impairment forecasting exercises
- Interpret, analyze and challenge assumptions and results of regulatory and internal stress tests
- Support the industry and sector review process
- CA/MBA/CFA from reputed institutes
- LLR calculation methodology and drivers for retail and wholesale
- Exposure Learn about IFRS9/CECL (New reserve standard)
- RWA calculation methodology and main drives for both standardized and advance approaches
9
Skills For Credit & Portfolio Analyst Girm Resume
- Analyse observed changes in risk drivers and concentrations within the different subportfolio’s of the bank and monitor them
- Retrieve data from credit risk systems
- Prepare global reports and ad hoc analysis for internal and external parties
- Deep knowledge in Risk/Credit, some industry expertise and credit products
- Filter information that comes from clients
- Member of deal teams for credit related transactions. Main tasks include preparation of green light and transaction approval memos, conducting due diligence and doing sensitivity and stress test analysis. Close interaction with coverage and product teams
- Portfolio Coverage focused on LATAM clients from the Andean Region
10
Skills For Rohq-credit & Portfolio Analyst Resume
- Works independently in most activities, with some strategic direction
- Develop, test, validate, and implement automated processes using SAS on a Unix/Linux environment. Independently own the final solution as detailed and designed by the project team with guidance/collaboration as needed from team members
- Provide analytic support of internal processes by evaluating production data and provide ongoing support in the monitoring of production environments
- Provide ad hoc support to Risk Teams
- Coordinate the bi-annual CCAR MSBF Stress Tests & other ad-hoc stress tests
- Determine LV and respond to all requests coming from Banker teams, Investments, Investment Finance & Risk (within the same day for standard queries; within 48 hours for complex and new security type requests)
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