Credit & Portfolio Risk Analyst Resume Sample
Luisa Bednar
536 McDermott Shoals,
Los Angeles,
CA
+1 (555) 730 3777
Work Experience
VP, Credit & Portfolio Risk Analyst
05/2015
-
PRESENT
Boston, MA
- To define, analyze, implement, and monitor credit risk strategies
- Provide quantitative support for internal audits (ARA, FCR and Balanced Scorecard)
- Compose and develop RAF documentation for review with Brands & Global Risk Management
- To define, analyze, implement and monitor credit risk strategies
- To clearly formulate analytical hypothesis
- Perform ad-hoc analysis to support it, communicate results clearly and understand cause and effect relationships
- Support approved strategies through implementation
Credit & Portfolio Risk Analyst
04/2010
-
12/2014
Philadelphia, PA
- Through a combination of MIS reporting and ad hoc projects provide and communicate analytically driven solutions to assist the business in maximizing return while minimizing losses
- Need to build efficient and complete processes to support MIS and ad hoc requests
- The Collections and Recovery Risk team’s mission is to help customers bring their accounts current or fairly resolve their debt
- The Collections and Recovery Risk team owns strategy and policy and partners closely with Operations and Technology teams on implementation and execution
- This role is within the NA Collections and Recovery Risk MIS team; this team supports Citi’s U.S. Card businesses (Branded Cards, Retail Services)
- The role is responsible for creating innovative MIS solutions to monitor critical business processes, maintain and enhance existing MIS and closely work with policy teams to provide insightful analytics for strategy development
- Support the strategic initiatives and special projects critical for the RS Risk Organization
Credit & Portfolio Risk Analyst Loss Forecasting
04/2003
-
12/2009
San Francisco, CA
- Enhance the relationship and interaction model with the RS Business leadership, independent risk leadership and timely submission of all the reporting’s and presentations
- Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US
- Perform ad-hoc analysis to support it, communicate results clearly, and understand cause and effect relationships
- Need to build efficient and complete processes to support ECM MIS and ad hoc requests
- Devise and implement a project plan to identify key drivers for data trends in credit line increase/decrease volume and performance, average line change amount, delinquency trends, etc
- Driving credit risk policies in any of the following areas – authorizations, existing customer management
- Develop credit tests and risk strategies, balancing risk-return trade-off
- Analyze and validate internal, credit bureau and other external data sources for accuracy and their effectiveness in the program
Education
George Fox University - Portland Center
1997 - 2002
Bachelor's Degree in Business
Professional Skills
- Proven skills in system design and implementation of solutions for data analysis and reporting systems
- 1-3 yrs financial accounting, corporate banking, or credit underwriting experience
- Financial services experience preferably in Risk management spanning across Loan Loss Reserves/ Loss forecasting/ CCAR/ Portfolio analytics
- Experience in developing credit models and analytics
- Able to create and maintain a network of strong client relationships
- Financial services experience
- Experience or exposure to R
How to write Credit & Portfolio Risk Analyst Resume
Credit & Portfolio Risk Analyst role is responsible for design, reporting, digital, analysis, compensation, database, credit, finance, retail, drivers.
To write great resume for credit & portfolio risk analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit & Portfolio Risk Analyst Resume
The section contact information is important in your credit & portfolio risk 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 Risk Analyst Resume
The section work experience is an essential part of your credit & portfolio risk 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 risk 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 risk 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 Risk Analyst resume experience can include:
- Effectively collaborate with business partners in Marketing, Execution, Finance, Data Management, Compliance and Legal to ensure flawless and timely execution and management of polices
- Relevant experience in a Credit Card Risk Function
- Understanding of key Risk metrics like Delinquencies/GCL/NCL/Recoveries/Asset sales
- Enhance and improve the Risk policies using digital data attributes and statistical techniques to optimize business growth and profits by minimizing the losses
- Understand product and vintage dynamics working with acquisitions, product and DM teams
- Tell the story around loss forecast using business intuitive drivers
Education on a Credit & Portfolio Risk Analyst Resume
Make sure to make education a priority on your credit & portfolio risk 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 risk 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 Risk Analyst Resume
When listing skills on your credit & portfolio risk 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 risk analyst skills:
- Good understanding and awareness of emerging technologies and business applications in web/e-commerce
- Strong work ethic, and ability to work independently and be self-motivated
- High attention to detail and ability to manage and prioritize own projects desirable
- Driving credit risk policies in any of the following areas – authorizations, underwriting, collections, existing customer management
- Driving credit risk policies in any of the following areas – authorizations, underwriting, existing customer management, acquisitions
- Understanding of analytical tools such as SAS, SQL, Teradata
List of Typical Skills For a Credit & Portfolio Risk Analyst Resume
1
Skills For AVP, Credit & Portfolio Risk Analyst Resume
- Experience in financial, economics or other analytical capacity
- Proficient with SAS/SQL or experience with data manipulation tools; knowledge of Essbase; MS Office required
- Function/Group: Citi Retail Services – CCAR Loss Forecasting Team
- Senior leadership within Branded Cards business
- Leadership team across Global Risk and Regional Risk
- Heavy engagement with internal Finance and Collections Operations teams
- Close interactions with Risk policy areas and other cross-functional Risk teams
2
Skills For Credit & Portfolio Risk Analyst Loss Forecasting Resume
- Function/Group: Citi Retail Services - Risk Management Analytics
- Department: Specialty Partner Group Risk Analytics
- Department: Advance Analytics Risk
- Strong desire to proactively identify gaps and improve the status quo. Strong business and technical writing skills – ability to independently produce high-quality business memoranda and technical documents
- Work with senior managers to help build consensus to address difficult and complex business needs, Ability to manage complex processes and deliver results within compressed timelines, Ability to develop partnerships across multiple business and functional areas
- Help develop risk analytics capabilities in digital environment
- Build and maintain Product and vintage loss forecast across various PPM and Cobrand portfolios
3
Skills For Credit Portfolio Risk Analyst Resume
- Reconcile detailed financial data from disparate data sources for each of the covered portfolios. Produce summary documents, presentations and memos provided to regulators, business leaders and external auditors
- Evaluate loss forecast model methodologies, monitor portfolio performance metrics and synthesize analysis for presentation to management. Produce ad-hoc reports for internal business partners. Manage process flow and versioning control
- Document processes, risks, and controls, assess level of risk, and assist with developing testing and monitoring. Influence necessary improvements where controls are deemed insufficient
- Gain insight into business practices and processes through discussion, meetings, process reviews, and other mechanisms. Provide risk/control guidance through formal and informal mechanisms
- Exp. with financial models, with a preference for work in auditing, forecasting/capacity planning , accounting or credit risk management
- Develop and perform Financial and Risk analysis that addresses concerns and issues, and ability to present them to management and external auditors with a clear and concise approach
4
Skills For Avp-credit & Portfolio Risk Analyst Resume
- Work closely with Loss forecasting team
- BS required in Mathematics, Engineering, Statistics, or Physics
- Understand the key components that drive losses, i.e. contractual, bankruptcy, economic, recoveries
- Understand the key components that drive Reserves – Impaired / Non impaired book (FAS 5/FAS 114/Management Adjustment Reserves)
- Provide a GAAP view of the LLR forecast and be able to explain it with help of changes in NCL/Delinquency forecast
- Understand the impact of risk capital from new campaigns
- Department: Risk Analytics
- Financial/ Budgetary: NA
- Business Group: CSIL
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