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Resume Skills and Keywords for Credit Analyst
A credit analyst, also known as a credit risk analyst, assesses an individual's or company's creditworthiness and risk profile by evaluating financial data and choosing whether or not to grant credit. Commercial banks and financial firms are the most common employers of credit analysts.
Skills required for a Credit Analyst role
- Risk Analysis
- Credit Evaluation
- Client Relationship Management
- Asset Based Lending
- Billing and Collections
- Loan Servicing
What recruiters look for in a Credit Analyst resume:
- Monitored corporate portfolio asset quality on an ongoing basis
- Drafted models of credit information that predict trends and patterns.
- Ability to conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence.
- Provided recommendations tied to analysis and assessment of credit risk.
- Presented analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay.
What can make your Credit Analyst resume stand out:
A strong summary that demonstrates your skills, experience and background in finance industry
- Insightful credit analyst with nearly 6 years of experience in quantitative analysis and client relations. Proven ability to provide cost-saving evaluations, and adopt new procedures as business climate changes. Rich abilities in supervising simultaneous projects in high-pressure environments with professionalism and poise. Strong analytical skills; support operations through analysis of key performance indicators and trends.
Targeted job description
- Assess creditworthiness of existing or prospective clients
- Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc)
- Complete ratio, trend and cash flows analyses and create projections
- Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner.
Related academic background
- Masters of Business Administration (MBA) | Prestige Institute of Management, Gwalior
- Bachelor of Business Administration (BBA) | Banasthali Vidyapith, Bangalore
Sample Resume of Credit Analyst in Text Format
Saloni Nagpal, CFA
Credit Analyst
+9879656747 | saloninagpal@gmail.com
Insightful credit analyst with nearly 6 years of experience in quantitative analysis and client relations. Proven ability to provide cost-saving evaluations, and adopt new procedures as business climate changes. Rich abilities in supervising simultaneous projects in high-pressure environments with professionalism and poise. Strong analytical skills; support operations through analysis of key performance indicators and trends.
EMPLOYMENT HISTORY
Credit Analyst | X10 Financial Services Ltd., Noida 2017 - 2021
- Managed $7M Parts and Service Portfolio of approximately 1800 customers.
- Performed credit investigations and assessed the risk to determine appropriate credit limits, and performed credit limit reviews.
- Managed monthly AR close and running customer statements including preparing monthly and quarterly AR reports for distribution to senior management.
Credit Analyst | Barclays, Gurgaon 2014 - 2017
- Performed credit administration, financial analysis, monitoring, and due diligence review of various financial packages and loan originations.
- Analyzed financial information including balance sheets, income statements, cash flow, and tax returns to assess strengths, weaknesses, and risks associated with loan packages.
- Ensured that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
- Complied with credit administration practices as outlined in the association's policies and procedures. Participated in the development of loan relationships with other lenders, potential borrowers, applicants, members, participants, and loan referral sources.
EDUCATION
- Masters of Business Administration (MBA) | Prestige Institute of Management, Gwalior
- Bachelor of Business Administration (BBA) | Banasthali Vidyapith, Bangalore
SKILLS
- Risk Analysis
- Credit Evaluation
- Client Relationship Management
- Asset Based Lending
- Billing and Collections
- Loan Servicing
CERTIFICATIONS
Chartered Financial Analyst (CFA)
