Credit Analyst, Analyst Resume Samples
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Credit Analyst, Analyst Resume Samples
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AP
A Pagac
Anibal
Pagac
59077 Antonio Burgs
San Francisco
CA
+1 (555) 506 0260
59077 Antonio Burgs
San Francisco
CA
Phone
p
+1 (555) 506 0260
Experience
Experience
Phoenix, AZ
Junior Credit Analyst
Phoenix, AZ
Hauck LLC
Phoenix, AZ
Junior Credit Analyst
- Possess knowledge of accounting, credit, financial statement analysis, banking and finance, marketing, statistics, and economics
- Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients
- Analyze Credit Risk associated with Corporate Lending
- Monitoring of credit risk exposure and limit of counterparties at a group level
- Responsible for centralizing necessary credit information and agreements to deliver a clear-cut credit application on a requested deal
- Proactively support Front department that request to process a credit request, while maintaining independent and objective credit opinions
- Primary source for the processing of all credit line increases (temporary and permanent)
Los Angeles, CA
Credit Card Risk Analyst
Los Angeles, CA
Gaylord LLC
Los Angeles, CA
Credit Card Risk Analyst
- Develop and implement credit line management strategies with two objectives in mind namely enhance revenues and mitigate losses
- Develop and implement credit line management strategies with two objectives in mind
- Work closely with the internal modeling and scorecard building team to implement scores and other attributes that have been validated by them
- Develop and implement credit fraud mitigation strategies
- Develop and implement credit over limit authorization strategies with two objectives in mind namely enhance revenues and mitigate losses
- Develop production reports/dashboards
- Develop and implement credit collection strategies to mitigate losses
present
San Francisco, CA
High Yield Credit Analyst
San Francisco, CA
Champlin Group
present
San Francisco, CA
High Yield Credit Analyst
present
- Collecting and relaying information from conference calls, industry conferences and discussions with management teams
- Researching and preparing responses to BlackRock client inquiries
- The candidate will be responsible for providing economic analysis for leveraged loan and HY bond investments
- Functions include: building out projections, maintaining comparative company analysis, relaying information from conference calls, industry conferences and discussions with management teams and assisting in developing investments theses and trade ideas
- The position entails analyzing bonds and making investment recommendations for a variety of strategies including Total Return High Yield, European High Yield, Long Short High Yield, and Leveraged Loans
- Provide timely research opinions and investment recommendations (verbal and written) to Portfolio Managers to enhance portfolio returns while managing risk
- This role will be responsible for creating financial models (e.g. DCF, NPV etc), assessing strengths and weaknesses and helping determine our internal view of the companies in the coverage universe both on an absolute basis and relative to others in that universe These views will be used together with senior analysts, traders and portfolio managers in order to identify attractive and unattractively priced investment opportunities
Education
Education
Bachelor’s Degree in Mathematics
Bachelor’s Degree in Mathematics
Iowa State University
Bachelor’s Degree in Mathematics
Skills
Skills
- Performing analysis of key quantitative and qualitative factors influencing credit quality of companies in the U.S. Corporates
- 3+ years relevant experience, some coverage or knowledge of U.S. Corporates sectors
- Ability to excel in a team oriented environment
- Ability to shift fluidly between multiple projects as priorities change
- Excellent written and verbal communication skills
- Strong analytical, quantitative, and organizational skills
- Expertise in Excel and Word
- Capital markets and/or credit analysis experience
15 Credit Analyst, Analyst resume templates
Read our complete resume writing guides
1
Portfolio Credit Analyst Resume Examples & Samples
- 2 to 4years commercial credit underwriting or lending experience with a financial institution or leasing company
- Bachelors degree in business management, finance or accounting; MBA a plus
- Strong financial statement analytical ability; Excellent narrative writing and critical thinking abilities
- Solid understanding of complex financial ratios and the overall impact on what they mean with respect to financial stability
- Strongcustomer communication skills
- Good organization skills and ability to work within time constraints in a highly regulated industry
2
Portfolio Credit Analyst, Card Services Resume Examples & Samples
- Perform a detailed financial statement analysis (balance sheet, income statement and statement of cash flows) based on key financial ratios extracted from private or public company financials (10K, 10Q); utilize Moody's financial spreading software
- Perform a formal narrative financial analysis of varying length on the financial statements provided by the company; narrative summary on company background, processing history, ownership and management. Recommend or provide final decision and approval terms
- Conduct information gathering calls with merchants to obtain an overall understanding of the financial profile and to become familiar with shifts in the processing characteristics, business models or company structure
- Conduct conference calls with existing merchants to communicate collateral implementations when needed (reserves, UCC, letters of credit, guarantees)
- Perform collateral reserve reviews upon merchant's request and recommends an increase, decrease or no change to the terms in place
- Review business model and processing characteristics for existing merchants to ensure and report on compliance with Payment Brand rules and regulations
- Bachelors degree in business management, finance or accounting
- 2 to 4 years commercial credit analysis or lending experience with a financial institution or leasing company
- Strong ability with analyzing financial statements, including understanding of complex financial ratios and the overall impact on what they mean with respect to financial stability
- Ability to develop and recommend financial risk strategies based on well researched facts and analytics
- Research and information gathering capabilities
3
VP, Credit Analyst Resume Examples & Samples
- The candidate is part of the Columbus credit research team
- Primary focus will be on credit analysis of Chinese domestic (CNY) credit issuers
- Develop and maintain detailed knowledge of Chinese financial markets and credit issuers, especially financial institutions, corporate bond, and/or local government issuers active in the onshore China credit market
- Work closely with JPMAM’s Chinese joint venture partner CIFM in researching and analyzing credits
- Build financial models and write-up credit summaries, as a part of ongoing investment process for the global credit research platform
- Must possess at least 5-years experience in credit research, preferably past work experience in either buy-side, sell-side or rating agencies, and/or onshore China credit market
- Proficiency with public financial statements and financial models
- Fluency in Mandarin and English, written and spoken
- Detail-oriented and have the ability to handle multiple projects on tight deadline
- CFA charter holder is a plus
4
CTL Credit Analyst Resume Examples & Samples
- Bachelors Degree -Business, Finance, Real Estate, or Accounting is preferred
- Experience in conducting financial/credit analysis of borrower’s/sponsor’s personal financial statements, schedule of real estate and credit reports is preferred
- Ability to analyze financial statements and perform global cash flow and leverage analysis of the sponsor and real estate portfolio
- Resolute problem-solver and goal oriented individual
- Advanced knowledge of the MS Office Suite with an emphasis on Excel, Word, Access and PowerPoint is preferred
- Ability to multitask in an ever-changing fast paced high production environment
5
Business Card Credit Analyst Resume Examples & Samples
- Customer contact experience preferred
- Strong analytical and verbal/written communication skills
- Experience in consumer lending, fraud, collections or other activities involving credit bureau analysis is a plus
6
Portfolio Credit Analyst Resume Examples & Samples
- Solid understanding of financial statements and the overall impact on what they mean with respect to financial stability
- Strong customer communication skills
- Good organizational skills and ability to work within time constraints in a highly regulated industry
- Excellent narrative writing and critical thinking abilities
7
Morgan Stanley Bank N.A Credit Analyst Resume Examples & Samples
- Support the various MSBNA CRM team members in their analytical and reporting responsibilities, including
- Bachelors degree in Finance, Accounting, Economics or a quantitative field
- Fundamental understanding of credit analysis not a requirement but preferred
8
Credit Analyst Undergraduate Internship Resume Examples & Samples
- Review and approve credit reviews and credit recommendations within her/his authorized level of approval
- As needed, meet and discuss with customer and business leaders to discuss security arrangements, compliance to credit control procedures
- Oversee the successful and timely completion of monthly and quarterly reports supporting credit activities as well as the preparation of portfolio reports showcasing credit risk
- Excellent verbal and written communication
9
Assistant Credit Analyst Resume Examples & Samples
- Responsible for database management and maintenance
- Name & address changes
- Code accounts with department specific credit holds
- Assign accounts to specified collection representatives
- Make changes which are documented and approved by credit management and or policy
- Must understand and adhere to the CBS Outdoor Credit & Collection Policy as well as the audit & SOX guidelines for the department
- Supports and exhibits behavior consistent with the sales and service philosophy of CBS Outdoor
- Acts with diplomacy as a representative of Finance Department
10
Credit Input Analyst Resume Examples & Samples
- 2 years of experience in arelated analytical role is required
- Basic understanding of financial statement analysis is required
- Experiencein a credit analysis or underwriting environment is preferred
- Working knowledge of the following preferred:APSTAR, B1B, VLS, AFS, and Choicepoint
- PC skills to include ability to work in Word, Excel and Access databases
11
MI Production Credit Analyst FTC Resume Examples & Samples
- Experience in UK Credit Risk preferable on a Consumer Credit portfolio
- Multi product knowledge and experience
- Understanding of UK global credit policies (GCCRFP)
- Highly analytical and numerical
- Attention to detail, can work well with large amount of data
- Experience with SAS and to a lesser extent SQL
- Proven experience in all Microsoft Office Products
- Demonstrated ability in resource management in order to meet business requirements
- Can work well individually and / or as part of a team
- Strong business acumen, need to understand the business model and ability to understand the potential impact of change
- Strong numerate and analytical skills
- Strong prioritisation skills. The ability to focused on what is important and delivering on goals / objectives
- SAS, Cognos and other relevant software/data mining tools a plus
- Adaptability, flexibility and the capability to react and deliver at speed essential
12
O&t-credit Analyst Resume Examples & Samples
- Possess good analytical skill and is meticulous
- Be self-motivated with initiative, drive and eager to learn
- Possess sound credit judgment, in ensuring credit underwriting of applications are within the credit/regulatory guidelines
- Detailed examination of documents (e.g., Income, ID documents) and applicant profiling to prevent fraud
- Ability to work under pressure, handle routine daily volume-driven applications and turnaround within specific service indicators
- High level of service to internal and external customers
- Good communication and problem solving skills
- Preferably with Accounting and Finance background
13
Gcg-unsecured Lending Credit Analyst Resume Examples & Samples
- Perform in-depth portfolio analysis of unsecured products to assess risk & opportunities and validate & refine various credit policies/processes through use of analytics
- Develop & maintain MIS to monitor key portfolio performance trends for portfolio to ensure to continue maintaining strong portfolio credit quality with a good balance of risk & reward to optimize business opportunities and in line with business strategy & risk appetite
- Review and decide onunsecured loan applications that need risk management approval
- Participate in relevant User Acceptance Testing (UAT) exercise & system implementation and liaise with technology team for system related matters
- Support credit bureau operational procedures and data integrity validation
- You should be a Degree holder with at least 2-4 years experience, preferably in consumer risk management area
- You should have strong portfolio, analytical and financial analysis skills, with demonstrated ability to conceptualize and clearly communicate the analytical findings, both in writing and verbally
- SAS programming capability; strong analytical capability, an experienced user of Microsoft Excel & PowerPoint and knowledge of consumer risk management concept and general knowledge of unsecured products portfolio management, collections, etc., are prerequisites
- You should be able to effectively network with coworker from cross functional and multitask in a fast paced environment
14
Junior Credit Analyst Resume Examples & Samples
- Analyze and monitor the credit quality of your assigned coverage of financial institutions and regularly publish reports to UBS clients globally
- Support the creation of the UBS House View and coordinate with strategists and economists within the Chief Investment Office
- Relevant experience in credit / bond analysis for financial institutions
- A basic understanding of relative value dynamics in bond markets
- Insights in financial sector regulation
- An advanced degree with a major in Economics, Finance or Business Administration
- Good all-round presentation skills
15
Middle Market Credit Analyst Resume Examples & Samples
- BA/BBA/MBA and completion of a major corporate bank credit training program (or the equivalent corporate banking/corporate finance experience) and typically a minimum of one to two years experience in banking/lending which might include Commercial credit, structuring and marketing experience
- Significant accounting and finance knowledge and commercial banking experience; Preference will be given to candidates with demonstrated commercial bank experience
- Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem solving skills
16
Lead Credit Policy & Risk Analyst Resume Examples & Samples
- Some business units may require programming skills for the following statistical programs: SAS, SPSS, and SAP
- Five years proven statistical analysis and/or MIS experience, or equivalent. Knowledge and understanding of financial services preferred
- Well-developed organizational, analytical, problem-solving, project management, verbal and written communication skills
- Proficiency with personal computers as well as pertinent mainframe systems and/or software packages. Strong programming skills to include knowledge of statistical programs and/or advanced database programs
- Knowledge of segmentation, targeting, optimization and life cycle management required
17
Senior Credit Policy & Risk Analyst Resume Examples & Samples
- Requires advanced data manipulation and programming skills
- Requires advanced knowledge of business practices, business methods and business systems utilized to ensure data is interpreted properly
- Three years proven statistical analysis and/or MIS experience, or equivalent. Knowledge and understanding of financial services preferred
18
Credit Analyst ABL Resume Examples & Samples
- Financial Understanding In-depth
- Relationship Management In-depth
- Risk Management In-depth
- Strategic Business Planning Working
- Credit analysis training and experience
19
Credit Analyst, Diversified Industries Resume Examples & Samples
- Research and analyze financial and operating information related to companies and industries to assess credit risk of present and potential client exposures
- Through analysis, identify new sales opportunities for prospects and existing commercial clients
- Credit qualification at working level with minimum commercial approval discretionary limit of $300M
20
Credit Risk Methodology Analyst Resume Examples & Samples
- Develop, document and support new Credit Risk Management models
- Collaborate closely with the Credit Analytics analysts to maintain an overall inventory of the planned methodology changes
- Understand existing and new proposed methodologies
- Ensure proper documentation standards are adhered to and that the documentation is adequate to support the needs of Credit Officers
- Support the Governance process for the implementation of new or changed methodologies through the Credit Methodology Working Group and Steering Committee
- Ensure that methodology changes are factored in the training materials and included in the ongoing training curriculum
- Review and analyse the current methodology documentation, propose and implement potential improvements
- Strong writing skills, ability to tailor materials to different audiences
- Master or PHD in a quantitative discipline
- Good collaboration skills essential to work effectively across teams and seniority levels
21
Credit Card Risk Analyst Resume Examples & Samples
- Bachelors degree in Stastics, Mathematics, Economics, Finance or Computer Science
- Intermediate/Advanced level of SAS programming experience
- Deep knowledge of loss and delinquency forecasting methods and model development
- Experience with risk segmentation tools e.g. Triad, Probe etc
- 2-5 years experience with data analysis
22
Portfolio Credit Analyst Resume Examples & Samples
- 2 to 4 years commercial credit lending experience with a financial institution or leasing company
- Strong financial statement analytical ability. Excellent narrative writing and critical thinking abilities
- Ability to develop and recommend financial risk strategies based on well researched facts and anlytics
23
Emerging Markets Credit Analyst Resume Examples & Samples
- Relevant working experience of at least 5 years
- Advanced degree with a major in Economics and/or Finance
- The ability to develop financial models and arrive at investment conclusions based on top-down and bottom-up assessments
- Strong analytical and organizational skills and the ability to work to tight deadlines
- A high degree of proficiency in English with the ability to write and present clearly and logically
- Relevant experience with providers of economic and financial market data
24
Counterparty Credit Analyst Resume Examples & Samples
- Perform credit risk analysis and assign credit ratings to a portfolio of counterparties (mainly banks and broker dealers)
- Perform risk assessment of proposed transactions to be completed with counterparties in the portfolio, as well as regular risk monitoring of the existing risks in the assigned portfolio/counterparties
- Keep abreast of market and regulatory developments, and assess their impact on the credit quality of counterparties
- Work closely with front office and other support areas (e.g: Collateral Management, Legal, etc) in the formulation of client solutions, as required
- Make credit risk decisions within the assigned credit authority
- Sound investment banking product knowledge
- Substantial knowledge and understanding of traded products master agreements (eg: ISDA/CSA)
25
Credit Analyst, Diversified Industries Resume Examples & Samples
- Support Senior Account Managers on portfolio management needs for the business
- Adhere to Commercial lending processes, policies and procedures, legal and ethical
- Expertise in financial computer applications and database management tools including MS
26
Senior Credit Policy & Risk Analyst Resume Examples & Samples
- Global Analytical Center provides modeling support to major global markets in which HSBC operates
- This role is primarily to develop provision models to support changes to international accounting
- Work involve developing models and also frequent communication with culturally diverse set of partners
- Knowledge of segmentation, score card development, loss forecasting and provision modeling preferred
- Exposure to GAAP/IFRS provision accounting standards is an added advantage
- Proficiency with personal computers as well as pertinent systems and software packages. Strong programming skills to include knowledge of statistical programs (i.e. SAS, SAP) and/or advanced database programs
27
Business Card Credit Analyst Resume Examples & Samples
- Make judgmental credit decisions based on your training, departmental standards, and quality standards
- Answer customer phone calls, resolving questions and processing credit requests on new applications
- Help us improve by providing feedback and ideas about issues, policies, and comments you hear from customers
- Qualifications
- Customer contact center experience preferred
- Superior communication skills required; must be comfortable working in an environment with 100% phone-based customer interaction
- Strong interpersonal skills; professional, courteous, customer-friendly, warm, empathetic, level-headed and composed
- Open to change, ability to quickly learn new processes and adapt in a fast paced-environment
- Takes initiative, adjusts quickly to change, and takes responsibility for results
- Motivated to deliver great customer experiences, maintaining a positive attitude in challenging situations by offering customers alternative solutions and enhanced products
- Bachelor's degree preferred (a plus in business, finance or accounting)
- Effective verbal and written communication with customers and colleagues
- Engages in interactive dialogue with customers using active listening
- Approach customer situations logically and with good judgment to ensure appropriate outcomes for our customers and the company
- Comfortable with conducting research when needed to ensure sound decisions
- Detail oriented, critical thinker, and dedicated to accuracy
- Careful compliance with all regulatory and department practices and procedures
- Familiar with navigating multiple browsers, tabs, and windows, and instant messenger tools
- Fluent in Windows Operating Systems and Microsoft Office tools
28
High Yield Credit Analyst Resume Examples & Samples
- New York City based analyst for the High Yield group will join a 16-person team where the primary focus is high yield bonds
- The firm undertakes fundamental research that requires a thorough analysis of economic and industry trends, financial statement analysis and knowledge of the credit markets
- The position entails analyzing bonds and making investment recommendations for a variety of strategies including Total Return High Yield, European High Yield, Long Short High Yield, and Leveraged Loans
- Candidates preferably have 3-7 years of relevant high yield bond analysis experience
- Must have experience with modelling/financial analysis
- Demonstrated ability to work well in a close knit team environment
- Solid undergraduate GPA is important
- CFA is preferred
29
Portfolio Credit Analyst Resume Examples & Samples
- Analyzes new and existing merchant companies considering financial viability vs. exposure considering revenue generated from merchant account. Implements any necessary collateral (escrow, guarantees, letters of credit, UCCs) to protect PTI
- Manages the risk level of accounts within the portfolio to minimize financial losses and maximize revenue growth. Creates and implements strategic plans for companies in trouble or in bankruptcy; working with those merchants to help maximize their chance of survival and thus retaining the revenue from the account while implementing appropriate collateral to ensure against PTI incurring financial losses
- Provides leadership to the analysts within the team and coordinates, promotes and control efficiencies within the group
- Negotiates contracts for prospective merchants which includes working with in-house counsel, the merchant’s counsel and the merchant. Also documents legally, mergers and acquisitions, ensuring that PTI has the proper party responsible as the contract holder
- Leads conference calls with prospective merchants to assist Sales in understanding the prospective merchant’s business model and company structure. Determines viability of the prospect’s business requiring collateral when necessary or declining applicant if the business model is not sound
- Extensive knowledge of financials, including how each statement relates and impacts each other
- Strong financial statement analytical ability. Experience making large credit risk management decisions
- Solid understanding of complex financial statements, financial ratios and the overall impact on what they mean with respect to financial stability
- Thorough knowledge of accounting principles and the impact of changes on financial condition
- Proven ability to analyze private company financials as well as financials of publicly traded companies
- Ability to develop, recommend and implement financial risk strategies based on well researched facts and analytics
- Strong communication skills. Strong ability to effectively manage positive relationships with customers, relationship managers and sales staff
- Strong desire to oversee the development of credit analysts on the team
- Extensive knowledge of the framework surrounding bankruptcy laws
- Ability to lead conference calls independently with the merchant, in–house counsel, as well as, the merchant’s attorneys, especially when working with merchants in bankruptcy
- Ability to effectively communicate both verbally and written with customer contacts
- Strong organizational skills and the ability to work within time constraints of a highly regulated industry
- Work well within a small team of like-minded individuals
30
Portfolio Credit Analyst Resume Examples & Samples
- 3+ years of experience in credit and risk management capacity
- In-depth knowledge of general corporate credit analysis, credit and risk management
- Advanced knowledge of Japanese
- Excellent computer skills in Microsoft Word/Access/Excel
- Comfortable working independently
31
High Yield Credit Analyst Resume Examples & Samples
- Monitor and analyze credit risk and recovery value of high yield sectors through sector analysis, bottom-up fundamental research and bond covenant analysis
- Provide timely research opinions and investment recommendations (verbal and written) to Portfolio Managers to enhance portfolio returns while managing risk
- Develop relationships with sell-side analysts, company management, and other industry experts to support research
- Contribute to overall research team efforts through whitepapers, peer support, etc
- Strong academic background including bachelor's degree in a relevant field; MBA a plus
- CFA charterholder (or advancement toward CFA designation) a plus
- 3 + years of credit research experience with a focus on high yield securities / distressed debt
- Comfortable with building models, quantitative tools and applications
- Strong written and verbal communication skills, including the ability to construct and defend a recommendation
- Ability to be a team player, while at the same time exhibiting ownership of assigned coverage universe
32
Junior Credit Analyst Resume Examples & Samples
- Monitor a portfolio of customer accounts to identify and resolve aged balances
- Update credit files in conjunction with contract renewals
- Perform credit investigations as required for new applicants
- Associates Degree in Business, Accounting or Finance preferred
- Three years commercial credit and collections experience
33
Junior Credit Analyst Resume Examples & Samples
- Bachelor's degree with coursework in accounting and finance, or equivalent work experience
- Three to five years of experience in financial statement and analysis activities
- Advanced knowledge of financial statements and analysis
- Thorough understanding of credit analysis, administration, and policy and procedures
- Ability to identify and resolve exceptions with minimal guidance and to interpret data
34
Credit Analyst, Analyst Resume Examples & Samples
- Has some knowledge of and a keen interest in learning more about the U.S. Corporates industries
- Wants to deepen their exposure to and understanding of the debt capital markets
- Performing analysis of key quantitative and qualitative factors influencing credit quality of companies in the U.S. Corporates
- 3+ years relevant experience, some coverage or knowledge of U.S. Corporates sectors a plus
- Strong analytical, quantitative, and organizational skills
- Ability to excel in a team oriented environment
35
Junior Credit Analyst Resume Examples & Samples
- Monitor and analyze the performance and composition of the public, corporate portfolio
- Support members of the PCCR with credit and sector research, due diligence, analysis, and reporting. This may include analysis of company news and financial reports; rating agency actions and reports, Bloomberg data, and Wall Street analysts’ reports Develop independent skills and capabilities in these functions
- Over time, maintain an assigned portfolio of credits with respect to evaluating, analyzing, and reporting on each credit’s periodic financial reporting, major news releases, investor meetings and calls, rating agency actions, etc
- Share knowledge, both verbally and in writing, with other members of the PCCR and Genworth investments
- Support production of monthly credit surveillance reports and quarterly accounting valuations
- Support other team process and reporting responsibilities (e.g. compliance, audit, etc)
- Develop monthly and quarterly reports for Senior Management relating to Genworth’s investment portfolios and their performance
- Support Team in responding to information requests and perform portfolio analyses to provide portfolio transparency to Senior Management
- Undergraduate degree in a business major or related area of study
- 3+ years investments credit research experience
- Ability to read and understand financial statements
- Strong functional capability with Microsoft Excel and PowerPoint applications
- Good written and verbal communications skills with ability to clearly articulate and share opinions
- Ability to prioritize multiple tasks in a fast-paced, changing environment
- Previous Corporate Credit Research experience
36
Junior Credit Analyst Resume Examples & Samples
- Process commercial credit requests using the company’s proprietary credit scoring model. Process includes obtaining, reviewing and analyzing relevant commercial and personal credit bureau reports and such as Paynet, Dun & Bradstreet, and TransUnion. Extract relevant data from various other reporting tools for use in the credit scoring model process
- Communicate daily with Sales staff regarding status of credit applications and final decisions
- Prepare approval notifications for customers
- Maintain credit activity log in Excel for all new credit submissions into the credit department
- Maintain portfolio database as needed and assist in the preparation of various portfolio reports such as reports specific to the credit scoring process, and various other portfolio analysis reports such as exposure by customer, exposure by industry, and exposure by asset type for example
- Assist in the completion of on-going credit reviews of transactions booked within the credit scoring portfolio and assist with special projects, research or perform other duties as requested by the credit manager
- Scan credit files and other credit data as necessary for maintenance in the general database
- Update physical credit files as necessary
- Bachelor’s degree in finance, accounting, and/or general business preferred or other relevant equivalent training
- Ability to multi-task in order to get assignments and credit decisions processed in a timely manner
- Ability to actively contribute to a team environment
- Proficient in various spreadsheet and word processing applications (Excel and Word especially), including the use of graphs, charts, and formulas
- Preferably an introductory knowledge of accounting or introductory financial analysis experience is helpful
- Basic knowledge of database applications such as Access / data entry experience
- Strong communication skills (writing and interpersonal)
- Strong general computer skills with specific strength in using Microsoft Office Suite
- Ability to think and process information analytically
- Knowledge of general business, accounting, economics, and math skills
- Capability to deal with workload pressure under time constraint
- Ability to pay close attention to detail
37
Junior Credit Analyst Resume Examples & Samples
- Evaluate credit facility requests raised by CRM
- Undertake first level credit analysis, credit due-diligence and completion of simple credit files
- Expedite and monitor the credit file approval process
- Maintain clear and updated documents in all credit files including financial statements, latest financial spreading, credit applications, validation records, internal and correspondence, etc
- 1-2 year working experience in banking industry
- Basic accounting and financial analysis skills
- Basic knowledge on commercial banking products
- Good interpersonal & communication skills
- Well versed in MS Office applications (Word, Excel, PowerPoint is a must)
38
Junior Credit Analyst Resume Examples & Samples
- Prepares detailed credit analysis reports including recommended credit limits typically less than $250K dollars in a format prescribed by management. Formal summary analyzes the customer’s current and forecasted financial stability and risk and interprets the information provided into a meaningful summary. Provides solid recommendations based on facts to Credit Management for review
- 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
- 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
- Follows for open credit conditions and ensures UCC filings are maintained to minimize credit risk in the assigned portfolio
- Performs other duties and projects as assigned
- 2-3 years experience in commercial and personal credit analysis - preferably in a small business-banking environment
- Computer proficiency in Microsoft Office - emphasis in Excel spreadsheet design
- Ability to successfully manage multiple priorities and meet established deadlines in a fast-paced environment with minimum supervision
39
Lead Credit Policy & Risk Analyst Resume Examples & Samples
- Owns the support and change management processes for large and/or complex credit policy, risk and/or marketing projects, or risk technology platforms requiring advanced analytical, quantitative and technical skills. Demonstrated mastery of their area in order to develop and recommend credit-related policies
- Four years proven statistical analysis and/or MIS experience, or equivalent. Knowledge and understanding of financial services preferred
- Bachelors degree in mathematics, statistics, finance, economics, related field or equivalent experience; Masters Degree preferred
- Proficiency with personal computers as well as pertinent mainframe systems and/or software packages
- Strong programming skills to include knowledge of statistical programs and/or advanced database programs
40
Credit Card Risk Analyst Resume Examples & Samples
- Minimum 2 years of experience in a Financial institution
- Minimum 2 years of experience in Management Reporting
- Minimum 2 year of experience with SQL and relationship databases
- Intermediate Proficiency in Excel preferred
- Must be detailed oriented and possess effective organizational and analytical skills, excellent verbal and written communications skills
- Experience with databases (MS Access), database queries (SQL, MySQL, SQLPlus)
- Experience modifying and generating scheduled and ad hoc reports using reporting/query tools such as Brio, MS Query, MS Access
41
Junior Credit Analyst Resume Examples & Samples
- Perform fundamental credit research under the mentoring, training and supervision of one or more senior analysts and is expected to gain greater independence with experience
- Assist analysts in monitoring existing portfolio positions and help in making relative value recommendations based on a combination of bottom-up and top-down fundamental credit research
- Participate in meetings with corporate issuers and industry analysts
- Provide compliance and data analytical support
- LI-AE1
- Bachelor’s degree with a total of 1-3 years of experience working for a financial services company with strong GPA and a focus in investments or economics
- Preferred areas of study include business, accounting, finance, economics or other mathematically orientated majors
42
High Yield Credit Analyst Resume Examples & Samples
- The candidate will be responsible for providing economic analysis for leveraged loan and HY bond investments
- Functions include: building out projections, maintaining comparative company analysis, relaying information from conference calls, industry conferences and discussions with management teams and assisting in developing investments theses and trade ideas
- This role will be responsible for creating financial models (e.g. DCF, NPV etc), assessing strengths and weaknesses and helping determine our internal view of the companies in the coverage universe both on an absolute basis and relative to others in that universe These views will be used together with senior analysts, traders and portfolio managers in order to identify attractive and unattractively priced investment opportunities
- Collecting and relaying information from conference calls, industry conferences and discussions with management teams
- Researching and preparing responses to BlackRock client inquiries
43
Portfolio Credit Analyst Resume Examples & Samples
- Bachelor's degree or a minimum of 2 years experience in a banking environment
- Minimum 1 year experience or equivalent educational background in database reporting and programing. Advanced SQL
- LI-NS1
44
Junior Credit Analyst Resume Examples & Samples
- Must have a strong work ethic
- Should be familiar with credit scoring
- Must be able to work in a high volume environment
- Must develop an expert level skill set in systems and research
- Familiarity with accounting, credit underwriting and general lending/leasing related issues
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Junior Credit Analyst Resume Examples & Samples
- Basic credit analysis skills of corporations
- Basic knowledge of financial accounting
- Basic knowledge of financial products (loan, guarantee, derivative products etc)
- PC skills (Excel, Word, PowerPoint)
- Fluent in Japanese, able to read disclosure financial statements in Japanese
- Preferably working experience as a credit analyst in charge of Japanese corporate customers
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Portfolio Credit Analyst Resume Examples & Samples
- Determines decline or approval (with or without terms and conditions) on new business applications and renders decisions for same within appropriate authority level while supporting the company goal for revenue growth
- Monitors the portfolio of accounts through monthly reports and also obtains timely financials from merchants to evaluate the creditworthiness vs. exposure of merchants to ensure adequate protection against losses while also considering the goal to maintain revenue (risk vs. reward)
- Reviews and renders decisions on bank changes for merchants, descriptor changes for merchants considering Card Organization rules and regulations; and new divisions (additional business units) for merchants reviewing advertising media in connection with FTC and Card Org. rules
- Conducts conference calls with existing merchants to communicate collateral implementations (reserve, cash collateral, letter of credit, guarantees), division (additional business added) declines or approval terms and conditions
- Assists analyst III and manager on work out accounts and accounts in bankruptcy
- Conducts conference calls with prospective merchants to assist Sales in understanding the prospective merchant's business model and company structure
- Performs reserve reviews upon merchant's request recommended increase, decrease or same reserve terms in place
- Conducts necessary actions items (contracts, addenda, reserves, etc.) for mergers and acquisition of existing companies
- Performs AML/KYC reviews on accounts to ensure compliance with the firm's global compliance requirements
- .Ability to work well with a like minded performance driven group
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Junior Credit Analyst Resume Examples & Samples
- Highly developed organizational skills
- Fundamental knowledge of or experience working in the banking industry
- Thorough working knowledge of economics and finance
- Knowledge of financial institutions
- Advanced technical report writing skills
- Strong computer skills [Excel, Word, and internet research]
- Thorough working knowledge of economics, finance, and financial institutions
- Strong interpersonal skills – ability to work independently, with internal customers and in a team environment
- Knowledge of credit administration, policy and procedures
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Lead Credit Policy & Risk Analyst Resume Examples & Samples
- Some business units may require programming skills for the following statistical programs: SAS, SPSS, and SAP. Management of Risk Observation of Internal Controls
- Four years proven statistical analysis and/or MIS experience, or equivalent
- Bachelor’s degree in mathematics, statistics, finance, economics, related field or equivalent experience; Master’s Degree preferred
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Junior Credit Analyst Resume Examples & Samples
- Establish/revise credit limits based on customer’s creditworthiness through extensive credit analysis; spreading financials, analyzing ratios, bank and trade references, 3rd party credit reports as well as sales and payment trends. Recommend credit limits based on established policy
- Performs periodic credit evaluations on all active customers and works with Sales to acquire recent financial statements and update credit documentation as required
- Develop relationships with Sales, Customer Service (Partner Sales Representatives), Accounting, Legal, Internal Audit and other departments within the Company in order to provide transparency into the credit/collection process as well as to consistently enhance overall quality improvement in “credit-to-cash” workflow processes
- Accomplish trade reference request from existing customers
- Assist Credit Analyst SME in report preparation for submission to Global Credit Manager
- Ensure compliance to all established policy and procedures
- Other adhoc tasks assigned by Global Credit Manager
- BA/BS or equivalent experience required
- Minimum of 1 year of experience in corporate credit with experience working for multinational companies
- Proficient in Microsoft Windows (Excel, Word, PowerPoint, and Outlook), and other PC related programs utilized by the company as well as familiarity with an ERP environment (Oracle experience preferred)
- Exhibit strong analytical, technical, and research skills
- Ability to organize job responsibilities and workload effectively with minimal supervision
- Possess knowledge of accounting, credit, financial statement analysis, banking and finance, marketing, statistics, and economics
- Possess solid and highly developed negotiation skills as well as the ability to influence and motivate others while maintaining a high degree of customer satisfaction
- Acts in a professional manner, deploys diplomacy in all situations and possesses ability to work with customers in tenuous situations when representing the company
- Strong customer service orientation and demonstrated experience working effectively in a diverse and fast-paced environment
- Proven ability to collaborate effectively across functional business organizations
- Strong analytical and financial analysis skills to evaluate credit worthiness of customers
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Junior Credit Analyst Resume Examples & Samples
- 2-4 years of credit risk experience
- Good working knowledge of credit reports
- High degree of analytical skills
- Ability to work with various levels of management through professionally written and verbal communication
- Able to work under pressure, independently and as a team member
- Knowledge of bankruptcy procedures
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Portfolio Credit Analyst Resume Examples & Samples
- Determine decline or approval (with or without terms and conditions) on new business applications, CIP validations and PS TTT post boarding service requests and renders decisions for same within appropriate authority level while supporting the company goal for revenue growth
- Monitors daily queue volumes against SLA's and assist in maintenance of SLA standards
- Reviews and clears daily case load of customer service requested activity
- Assists more senior analysts and manager as required
- Underwrites less complex files as required
- .Ability to work well with a like-minded performance driven group
- Ability to achieve a high degree of productivity in order to service customer
