Risk Credit Analyst Resume Samples

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H Beahan

Hannah

Beahan

956 Stamm Fords

Phoenix

+1 (555) 152 7561

956 Stamm Fords

Phoenix

Phone

p +1 (555) 152 7561

Experience Experience

Los Angeles, CA

Credit Risk Professional, Analyst

Los Angeles, CA

Stoltenberg, Ernser and Prohaska

Los Angeles, CA

Credit Risk Professional, Analyst

Assist the Managing Director and Team Leader in credit risk management process
Perform due diligence, regularly schedule reviews and detailed credit analysis
Active Portfolio Management- Timely and accurate assignment of borrower ratings based on sound credit analysis and judgment
Analyze the credit risk of the designated portfolio, determine accurate ratings and make recommendation of accurate and timely ratings to managers and management
Attend and track outcomes of key risk management activities, such as risk committees, working group meetings, audits, exams, etc. Sustain a sufficient presence, stature, positioning and relationships within and across the credit, market, interest rate, and liquidity risk functions, in order to have a sound vantage point from which to observe, gather information, and report on the function’s various key priorities, initiatives, areas of focus, challenges, achievements, and so forth
Prepare credit applications and credit rating applications, and obtain approvals from credit divisions by working directly with RMs and senior credit analysts
Critical function of analyzing credit risks of the customers and determining risk ratings based on internal procedures, policies and guidelines

Houston, TX

Credit Policy & Risk Analyst

Houston, TX

Windler-Schmitt

Houston, TX

Credit Policy & Risk Analyst

Assisting in the analysis and writing of credit risk policies, standards and criteria
Providing support to team members
Escalating errors and breaches to next level and other relevant persons
Adhering to policies and procedures
General administration duties and ensuring the completion of relevant reports, checks and projects
May complete analysis and document results of risk management options and credit risk issues. Design and prepare analyses of operating data; formally present findings to management
Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues

present

Dallas, TX

Senior Credit Risk Allowance Analyst

Dallas, TX

Tremblay, Gerhold and Wolf

present

Dallas, TX

Senior Credit Risk Allowance Analyst

present

Assist in developing ALLL estimates for CCAR stress tests
Provide support to the Risk Management division and other downstream users of credit risk information
Document controls in the ALLL process and perform tests of their design and operating effectiveness to assist in compliance with Sarbanes-Oxley
Manage and adhere to end-user computing controls
Lead the development and production of Allowance for Loan and Lease Losses (ALLL) methodology and reporting in assigned areas
Perform analyses including vintage and cohort/attribution analysis, transition matrices, etc
Perform edit/validation checks and analytical review s as necessary to verify data inputs are complete and accurate

Education Education

Bachelor’s Degree in Mathematics

California State University, Los Angeles

Bachelor’s Degree in Mathematics

Skills Skills

Analyze the credit risk of the designated portfolio, determine accurate ratings and make recommendation of accurate and timely ratings to managers and management
Perform due diligence, regularly schedule reviews and detailed credit analysis
Prepare credit applications and credit rating applications, and obtain approvals from credit divisions by working directly with RMs and senior credit analysts
Support Managing Director/Department Head and Associate/Team Leader in credit risk management by: providing junior analyst with necessary advises and consultation on OJT basis, developing and enhancing analytical skills of the team through close communication with related divisions such as CEA.CDA, Credit Policy Office and other Credit Divisions, and assisting internal and external exam conducted by CEA, FED, FSA and other authorities
Analyze, assess and prioritize report visuals and data inputs and liaise with risk management functions to write coherent, prioritized messaging and commentary, suitable for varied audiences including senior executives, governance committees and the Board. Provide credible effective challenge of data and report content put forth by Risk Function risk managers
Maintain a broad understanding of the retail and wholesale portfolios and associated credit risk metrics and trends and / or market, interest rate and liquidity risk metrics and trends. Actively monitor external regulatory environment, industry developments, and trends and display comprehension knowledge of such through generation of appropriate report content
Attend and track outcomes of key risk management activities, such as risk committees, working group meetings, audits, exams, etc. Sustain a sufficient presence, stature, positioning and relationships within and across the credit, market, interest rate, and liquidity risk functions, in order to have a sound vantage point from which to observe, gather information, and report on the function’s various key priorities, initiatives, areas of focus, challenges, achievements, and so forth
Back up other Risk Reporting Team Content Specialists, as appropriate
Engagement in Projects

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15 Risk Credit Analyst resume templates

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Credit Policy & Risk Analyst Resume Examples & Samples

Some business units may require this position to assist in the development and selection of predictive credit risk variables for model development, deployment and/or validation
One year proven statistical analysis and/or MIS experience, or equivalent. Knowledge and understanding of financial services preferred
Bachelor’s degree in mathematics, statistics, finance, economics, related field or equivalent experience
Strong organizational, analytical, problem-solving, verbal and written communication skills

Credit Policy & Risk Analyst Resume Examples & Samples

Role often requires concurrent handling of multiple initiatives or projects
Requires a high degree of self-motivation with respect to coding and data familiarization in order to successfully execute analyses
Some business units may require this position to assist in process engineering, experimental design, workforce management and/or schedule optimization
Bachelor’s degree in mathematics, statistics, finance, economics, related field or equivalent experience, Master’s degree preferred
Proficiency with personal computers as well as pertinent mainframe systems and software packages. SAS experience a plus

Credit Risk Valuation Risk Weighted Assets Analyst Resume Examples & Samples

Ensure the accuracy and reliability of aCVA results. This is not a reporting role, the candidate reviews and signs off reports as produced by dedicated downstream teams
Point of contact to FO and other stakeholders in explaining the RWA drivers
Stress and identify RWA under many different scenarios, either to fulfil pillar 2 requirements or for management of risk appetite

Senior Analyst, Counterparty Credit Risk Resume Examples & Samples

0 to 2 years of related work experience, preferably in a financial institution
Graduate studies in a technical field, e.g., mathematical finance, appliedmathematics, statistics, engineering, physics
Good understanding of risk management methodologies, financial markets and
Products
Proficient in programming languages (e.g., Perl, Python, C++, Java, MATLAB)
Ability to meet deadlines and manage priorities

Credit Risk COE Analyst Resume Examples & Samples

Assist with the development and generation of the required credit reporting, such as CCAR, FDIC, CRR, BASEL II, Data Quality, Optima and monthly outlook
Assist in the streamlining and automation of credit risk reporting to ensure timely and accurate generation
Assist with the development and implementation of any new reporting requirements
Assist with production of MIS for ad-hoc requests, such as presentations, portfolio reviews etc
Keep up to date with Industry standards and techniques
Graduate level education
6 months of previous experience of SAS/SQL MIS production or other reporting tools
Good understanding of credit products
Analytical thinking / Attention to details

Credit Policy & Risk Analyst Resume Examples & Samples

Gain a thorough understanding of the bank's credit risk environment and the credit policies, standards and criteria (the Policies) in place to manage and mitigate this risk
Engage with key stakeholders and assist in the writing and review of these Policies
Provide expert advice and guidance on Policies in support of business units
Assist in the monitoring of operational and credit risks within the Department
Assist in the completion of credit and operational risk projects as they arise
Collaborate with the team to continually improve self, and team performance
The successful candidate will have up to 3 years experience within a similar environment
Degree level qualification in a finance, commerce or economics related discipline
Excellent written and verbal communication skills, with an ability to deal with all levels in a confident and professional manner
Extremely well organised, inquisitive, analytical and capable of handling multiple projects
Strong focus on accuracy and attention to detail
Be a proactive team player who is motivated by achieving targets
Strong customer centric focus
Have a flexible approach to work and be confident working in a fast moving and exciting environment
Providing support to team members
General administration duties and ensuring the completion of relevant reports, checks and projects
Escalating errors and breaches to next level and other relevant persons

CCB Risk-portfolio Credit Analyst Resume Examples & Samples

Promptly review new merchant applications submitted through the Credit Underwriting process, evaluate credit/financial viability versus credit exposure and potential risks that could lead to financial losses to Chase Commerce Solutions (Chase Paymentech)
Identify potential high risk and/or fraud merchant applications thru effective review and understanding of the merchant’s business model, card processing characteristics, delivery timeframes of products/services, credit profile, mitigating factors and additional information obtained thru internal/external sources
Proactively develop alternative underwriting solutions, including requests for additional information, i.e. merchant to consumer term and conditions, business/personal financial statements, bank statements, and website requirements as well as collateral and decline recommendations
Actively engage the credit and risk teams as the investigation and due diligence process progresses and escalate issues as needed
Independently decision merchant application requests within individual credit authority or with concurrence of the credit manager where credit exposure exceeds individual credit authority
Produce and maintain reports summarizing due diligence results as well as effectively communicating results from empirical analysis to other stakeholders in the process
Requires 2+ years’ experience in credit underwriting and/or financial analysis, or equivalent related experience
Experience in financial services (Credit, Underwriting, Fraud investigation, Risk management, Audit, or Compliance) is a plus
Strong ability to communicate effectively (oral and written) across all levels within the Wholesale Credit organization
Strong time-management skills, ability to prioritize, multi-task and drive initiatives to completion under tight deadlines
Outstanding ability to analyze data with keen attention to detail; inquisitive and proactive in anticipating problems and solutions
Ability to understand and resolve or escalate issues quickly
Ability to work independently and as a team member and with minimum supervision

Credit Risk Portfolio Analyst Resume Examples & Samples

Strong work ethic and proactive approach
Initiative and resourcefulness
Drive and dedication to building a career in financial services

Credit Risk Intelligence Analyst Resume Examples & Samples

Ensure data integrity &management in cooperation and with the support of the other team members, askey preparation stage for credit risk analytics and reports
Develop and perform properinternal and external credit risk reporting, including credit risk standardreporting package, customized reports, PD and LGD analysis, Loan Loss Provisionand RWA related calculations, other analytics
Support business process and healthycredit portfolios production by performing client segmentation for variousanalysis of credit/customer data and behavior in order to support initiativesaccording to the bank’s strategy
Conduct recurrent and ad-hocportfolio analysis and segmentation to identify good risk segments as well as earlydetect high risk concentrations for optimal measures to be taken in eachcategory
Work in close cooperation withinvolved departments, including other units within Risk Management, IT,Operations, Products, in order to monitor and ensure relevant, efficient(timely and with maximum automation/standardization) and accurate (correct andcomplete) processing of credit risk related analytics
Ensure Data Quality compliance,by performing reconciliations across systems, instruct data corrections andfollow up on resolution
Cover other accountabilities andspecific tasks delegated by the Department as justified by business needs
Carry out all job tasks inaccordance with all applicable internal and/ or law requirements, rules andregulations
Relevant data managementknowledge
Experience in using SAS andMicrosoft SQL
Ability to use and processdatabases, to develop reports and statistics; use mathematical tools andquantitative analytics in order to assess credit portfolios
Ability to use presentation tools,graphs, charts, and others to present data in a relevant, clear and concise wayto support conclusions
Knowledge of lending marketdevelopments and influencing factors, good understanding of banking rules andregulations
Fluent in English, both writtenand verbally
Keen on learning and developingwithin a credit risk environment

Credit Risk Professional, Analyst Resume Examples & Samples

Critical function of analyzing credit risks of the customers and determining risk ratings based on internal procedures, policies and guidelines
Responsible for active credit management of a designated portfolio utilizing solid credit skills and judgment, making timely and accurate recommendations to management on credit exposure and risk ratings
Guide and support business line and product groups on credit and risk related issues
Active Portfolio Management- Timely and accurate assignment of borrower ratings based on sound credit analysis and judgment
Deal Support- Collaboration with business line/product groups for new deal structuring and preparation of credit applications
Ensuring Compliance with Federal and other external regulatory and internal policy
Assist the Managing Director and Team Leader in credit risk management process
Regular communication with Japanese speaking customers/internal divisions
2-3 years of working experience in financial institutions or equivalent in credit and risk related function analyzing general corporate customers
3+ years’ experience in credit and risk management capacity
In-depth knowledge of general corporate credit analysis, credit, and risk management is required
Must be able to read, write and speak Japanese and English at the business level
Proficiency in Microsoft Word, Access and Excel
Ability to work independently and under pressure

Credit Risk Portfolio Analyst Resume Examples & Samples

Good university degree
Working experience in the banking or accounting industry is an added advantage
Knowledge of Basel 3 Cr RWA regulations and banking products
Proficient in Microsoft Office Applications (strong in Excel preferred) and SQL
Understanding of system data concepts eg data model
Aptitude for numbers with an eye for details
Ability to work independently as well as in a team

Credit Risk Rating Analyst Resume Examples & Samples

Works to bring stress testing, economic capital, and ALM into a consistent framework
Collaborates with portfolio managers to identify risks in the portfolio
Makes recommendations on new origination and risk mitigation

CCB Risk-consumer Credit Senior Analyst Resume Examples & Samples

Write robust, efficient and maintainable business rules, as well as maintain existing rules across multiple languages
Create technical and functional documentation to verify software functionality and adherence to business requirements
Assist Testers and technical support staff in identifying and resolving defects
Drive the resolution and communication of application defects
Measure and report development progress and schedule, including defect tracking and risk assessments
Participate in continuous improvement and proactively support knowledge sharing within the department
2+ years of related experience or equivalent overall experience typically gained through business rules programming experience
Strong sense of ownership - Feeling of personal accountability for all areas in scope
Credit card and Risk Management experience is a plus

Consumer Credit Cards Risk Analyst Resume Examples & Samples

Monitors and analyzes credit card portfolios
Analyzes and communicates trends, patterns, outliers, deviations in portfolio segments
Provides input for financial planning
Presents financial performance of portfolios to the management team

Credit Risk Portfolio Analyst Resume Examples & Samples

Prepare credit risk management information for submission to senior risk committees (e.g. UK Credit Risk Committee, UK Risk Management Committee and UK Board) on a monthly basis
Liaise with the other risk functions (e.g. Credit Analytics / Reporting / Market Risk) and front office traders where necessary to understand the drivers behind significant portfolio exposure movements on a regular basis
Perform credit portfolio analysis, or market research, to support industry / product ‘deep dive’ portfolio reviews
Run regular excel based stress scenarios on the credit risk portfolio. These will support preparation of the Credit ICAAP document on a semi-annual basis, and ongoing capital management activities
Facilitate the strategic IT implementation of manual processes on the team. This involves writing Business Requirement Documents, and providing business sign-off to User Acceptance Testing impact analyses
Support the risk identification exercise at portfolio level. This involves monitoring the development of market / business trends that may lead to the growth of material concentration risks currently not included under the existing monitoring framework
Experience within credit risk management (preferably with knowledge of portfolio risk appetite concepts and ICAAP)
A degree with honours (preferably in a quantitative field) or equivalent commercial experience
The ability to communicate effectively in English (both a verbal and written basis)
Comfort with mathematical concepts (e.g. calculus and probability theory)
Knowledge of investment banking products
Good problem solving skills and the ability to simplify complex issues
Solid relationship developing and consultation skills
Highly self-motivated and team oriented

Credit Risk Senior Functional Analyst Resume Examples & Samples

Educational degree: 5 years min
Areas of experience: finance, trading, specialization (Market Risk, Credit Risk, Back-Office, Middle Office, etc.), Commodities market, IS experience
5/10 years experience
Good knowledge of commodities market
Good knowledge of business (market and credit risk, middle officing, etc.)
Good knowledge of IT process
Relationship with business and IT
Taking initiative
Promote team spirit
Help in candidate selection

Credit Risk, Latin Credit Analyst Resume Examples & Samples

Approximately 6 or more years of experience within a credit risk management role (other financial analytical backgrounds can be considered). Expertise across several corporate sectors would be an advantage. Specific experience covering an emerging market region is highly desirable, though not essential
Track record of independent decision-making and the ability to steer client and business negotiations
Strong analytical skills with ability to rapidly grasp the mechanics of various financial products. Experience in investment banking products including derivatives and loan products. Experience in negotiation of derivative contracts (e.g. ISDA, CSA, CGD). Familiarity with regulatory issues around leveraged loans is desirable
Strong interpersonal skills and self-motivation
Able to communicate at the most senior levels
Must be able to supervise, motivate and provide guidance to juniors on the team
Fluency in Spanish / Portuguese

ICG Risk Credit Analyst Resume Examples & Samples

To assure timely submission of credit analyses and to increase quality of credit work by solving problems that arises during the preparation in a practical and logical manner
To specialize in specific industries and to remain current on economic developments by closely monitoring macroeconomic variables and publicly available data about these sectors
To remain updated about the clients’ credit standing by actively calling on customers and by coordinating with the Relationship Managers
To closely follow-up regulatory changes and provide feedback about the possible effects on the respective sectors
To evaluate the viability of new customers from the credit point of view through using technical know-how
To remain updated about credit processes, policies, systems and incorporate required changes into credit packages and decisions
Undertake risk rating assignment, conduct stress tests, industry reviews and credit related documentation negotiations
2-3 years of experience in banking (preferably in credit analysis)
Proficient in software applications (e.g. Microsoft Word, Excel, PowerPoint, etc.)
Military service should be completed for male candidates

Senior Credit Risk Allowance Analyst Resume Examples & Samples

Assume responsibility for the existing ALLL methodology and all related calculations and reports, which requires the employee to develop an understanding of existing and proposed credit loss models and ALLL methodologies
Identify, analyze, and support significant assumptions used in credit loss models and ALLL methodologies
Maintaining credit loss model and ALLL methodology documentation, including Model Validation templates and Sarbanes-Oxley risks and controls
Work collaboratively with Internal and External Auditors, Federal Reserve Bank Examiners, and Model Validation personnel
Accounting, Finance, Statistics, or similar undergraduate degree. CPA preferred
5-8 years experience in financial and/or risk areas within a financial services, insurance, or regulatory organization working with credit risk and/or allowance for loan and lease losses. Results driven and self-motivated individual with a demonstrated ability to improve operational processes and operate in a team environment

Risk WM Credit Analyst Resume Examples & Samples

Assist SCOs in assessing derogation requests
Analyze collateral requests under regional power
Liaise with other Risk function experts for risk analysis (collateral, TAC/NAC...)
Contribute to norms and collateral analysis under HO power to provide regional expertise
Build tactical tools to compensate systems weakness for risk analysis and reporting purposes
Analyse portfolio evolution at client level; including a prospective view aiming at quantify potential shortfalls and losses through stress-testing
Analse the loan book at APAC level to detect and report concentration on counter and potential liquidity issues, sectors
Contribute to the Risk framework by providing technical support (could be translating SCOs observation into pragmatic framework under the supervision of Risk WM APAC head)
Knowledge of the Asian environment (mainly Hong Kong and mainland China)
Up to 5 years of experience
Strong academic background & analytical skills
Teamwork skills as well as communication and information sharing skills

Senior Credit Risk Portfolio Analyst Resume Examples & Samples

4 to 5 years working experience in the banking industry preferably in financial regulatory reporting or from a public accounting firm
Strong knowledge of Basel 3 Cr RWA regulations and banking products
Knowledge of Qlikview is an added advantage
Good understanding of system data concepts eg data model
Good aptitude for numbers with an eye for details
Ability to guide and mentor junior team members
Strong communication, presentation and conceptual skills

CCB Risk-consumer Credit Risk-risk Analyst Resume Examples & Samples

Determining appropriate action plans based on the analysis of multiple risk metrics
Creating, analyzing, and distributing reports
Continuous monitoring of uninsured FHA/VA counterparty loans or non-guaranteed VA loans
Periodic research of internal and external information sources to identify possible assumption of the contractual obligations of the counterparties as a result of legal entity changes due to mergers and/or acquisitions, FDIC takeover, or dissolutions
Direct interaction with Operations, Legal/Compliance, Sales, Credit Risk Review, Quality Assurance, and FCIO as it relates to counterparty Approval and Performance Management
Daily interaction with CMG management and/or participation in CMG meetings
Other tasks as required by management
Required: College degree or equivalent, mortgage-related work experience
Required: At least 10 years of mortgage banking experience with an in-depth knowledge and understanding of the mortgage lending process including loan origination, processing, underwriting, closing, funding, and servicing
Preferred: Secondary Marketing, Quality Assurance, Audit, Repurchase, Risk, or Counterparty Management experience
Preferred: At least 3 years of corporate financial statement analysis experience
Required: Strong analytical, decision making, organizational, and multi-task skills
Required: Effective written and verbal communication skills
Required: Successful track record of relationship and/or partnership management as well as collaborative project management
Required: Expert ability in MS Office including Word, Excel, Access, and Power Point

Credit Risk Professional, Analyst Resume Examples & Samples

Prepare credit applications and credit rating applications, and obtain approvals from credit divisions by working directly with RMs and senior credit analysts
Support Managing Director/Department Head and Associate/Team Leader in credit risk management by: providing junior analyst with necessary advises and consultation on OJT basis, developing and enhancing analytical skills of the team through close communication with related divisions such as CEA.CDA, Credit Policy Office and other Credit Divisions, and assisting internal and external exam conducted by CEA, FED, FSA and other authorities
Corporate finance professional with solid credit and analytical background
A bachelor's degree in Business, Finance or related field of study
Strong written, verbal and interpersonal skills are required

Credit Risk Professional, Analyst Resume Examples & Samples

Analyze, assess and prioritize report visuals and data inputs and liaise with risk management functions to write coherent, prioritized messaging and commentary, suitable for varied audiences including senior executives, governance committees and the Board. Provide credible effective challenge of data and report content put forth by Risk Function risk managers
Maintain a broad understanding of the retail and wholesale portfolios and associated credit risk metrics and trends and / or market, interest rate and liquidity risk metrics and trends. Actively monitor external regulatory environment, industry developments, and trends and display comprehension knowledge of such through generation of appropriate report content
Attend and track outcomes of key risk management activities, such as risk committees, working group meetings, audits, exams, etc. Sustain a sufficient presence, stature, positioning and relationships within and across the credit, market, interest rate, and liquidity risk functions, in order to have a sound vantage point from which to observe, gather information, and report on the function’s various key priorities, initiatives, areas of focus, challenges, achievements, and so forth
Back up other Risk Reporting Team Content Specialists, as appropriate
Engagement in Projects
Undergraduate degree in Business, Finance, Economics, English
2-3 years of banking or financial services experience
Proficient in Word, Excel, PowerPoint
Experience in W Desk a plus
Self-motivated and detail oriented
Willing to work extended hours when needed

Senior Credit Risk Portfolio Analyst Resume Examples & Samples

Preparation of quarterly ALLL analytics and presentations which includes reserve summary analytics and adequacy ratios with respect to credit metrics such as delinquency, non-performance, problem loan, risk rating migration, and expected loss
Preparation of quarterly Business Unit analytical reports that supports a fact based decision making process around the ALLL and its adequacy
Clear understanding of the ASC 450-20, ASC 310-10, and ASC 310-30 reserving concepts
Interaction with upper management, external and internal auditors and regulators
Understand and improve upon the existing ALLL process and activities
Remain current on changes to accounting and regulatory guidelines around the ALLL and associated risk management activities
Understanding of BASEL concepts around probability of default (PD) and loss given default (PD)
Preparation of ALLL forecasts for future periods. Analysis to include: origination activity, account management activity, and delinquency trends
B.S. degree in Accounting, Finance, or Business Management preferred
2-4 years relevant experience
Background in Financial Services, Banking or related industry
Ability to work on multiple projects simultaneously in a fast paced, high volume, team oriented environment,
Strong database skills to extract data from data warehouses or other data sets
Proficiency in MS Office products