Credit Analyst Resume

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Career Objective:

Self-driven, motivated, and certified Credit Analyst with 7+ years of experience in analyzing financial statements for banks and lending institutions. Proven abilities in handling duties of underwriting and annual review functions, gathering financial data, and evaluating clients’ credit applications. Strong research, analysis, and report drafting skills to help the management take a decision in lending loans to applicants.

Summary of Skills

  • Strong financial analysis and problem solving skills
  • Excellent knowledge of commercial, and personal loans

  • Ability to read financial briefings, assess, and analyze complicated financial information

  • Ability to prioritize and complete work assignments in time

  • Skilled in using risk analysis tools, financial software, MS Excel and MS Word.

  • Superior numerical, communication, interpersonal, and stress management skills

  • Self-motivated, confident, adaptable, and reliable

Work Experience

Credit Analyst

ABC Financial Services, Rockville, MO

October 2018 – Present

  • Researching and analyzing financial statements of businesses and individuals for extending credit
  • Working with tailor-made financial analysis software, and analyzing risk associated with lending loans to applicants

  • Preparing financial statement spreads, summaries, and reports

  • Gathering financial information about clients and interpreting complicated financial information

  • Developing statistical models for performing risk analysis and establishing credit lines for existing and new accounts

  • Analyzing financial data and recommending payment plans to clients

  • Examining clients’ credit history and preparing reports of risks associated with lending money to applicants

Credit Analyst

Eash Money Bank, Rockville, MO

July 2015 – September 2018

  • Performed credit analysis, financial analysis, ratio analysis, and industry comparisons
  • Analyzed cash flow and projections and made recommendations adhering to sound banking practices

  • Minimized risk exposure by increasing interest rate and modifying loan term

  • Ensured compliance of commercial loan request with bank policies and procedures

  • Evaluated financial records, purchase pattern, spending habits, earnings, savings, and payment history of customers

  • Assisted in collecting overdue loan payments, compliance audits, and resolving claims submitted by customers

  • Analyzed strength and weakness of commercial borrowers and prepared loan presentations

Credit Analyst

People’s Bank, Rockville, MO

May 2012 – June 2015

  • Coordinated with the credit bureau and gathered financial information of clients
  • Recommended the management for approval and denial of loan applications

  • Analyzed credit worthiness of clients by studying their financial data and economic conditions

  • Studied the feasibility of business and provided loans to start-ups with attractive rate of interest

  • Interviewed clients to verify their credit transactions and resolved their complaints

  • Supported loan officers and managers in extending credit to customers

  • Reviewed financial statements and processed credit applications

  • Prepared and legal contract packages approved by the company attorney

Education

Bachelor’s Degree in Finance

ABC University, Rockville, MO

2011

Reference

On request.

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