Commercial Credit Analyst Resume
Credit analysts are experts in analyzing financial statement of businesses and determining if the employer can lend them credit and the risks involved in dosing so. They identify whether the borrowing company is in a position to repay the loans or not. To ascertain this, the person evaluates income statement and the feasibilities of the business to prosper and grow. He works with banks, government agencies, and money lending agencies.
The job need outstanding skills to work with numbers, calculation, and loads of financial data. Further, good communication, interpersonal, and time-management skills are must for the job.
Commercial Credit Analyst Resume Example
Vernon J. Turner
3714 Dogwood Road
Phoenix, AZ 85003
Phone: 602-597-5178
Email: vjturner@freemail.com
Career Objective:
Interested in working as a commercial credit analyst for “Liberty Bank,” and help the management in finding out the risks involved in extending credit to customers.
Summary of Skills:ls
- Strong experience of analyzing income statements and balance sheet
- Outstanding credit and financial modeling skills
- Skilled in researching financial stability of customers
- Superior communication, interpersonal, and communication skills
- Excellent math, data interpretation, and report making skills
- Demonstrated abilities in helping employers save money by avoiding risks
Work Experience:
Commercial Credit Analyst
ABC Finance Company, Phoenix, AZ
October 2014 - Present
- Collecting, compiling, and evaluating loan requests
- Analyzing income statements and balance sheet of customers and determining risk factors in lending credit
- Contacting and collecting additional information from customers necessary for a clear picture on business data
- Handling ratio analysis, cash flow, and loan reviews
- Verifying and documenting sources of repayment after ascertaining legality
- Researching customers' reputation in the market and monitoring their financial stability
Commercial Credit Analyst
Sterling Finance Company, Phoenix, AZ
February 2013 - September 2014
- Prepared monthly and quarterly Credit Administration reports
- Initiated, developed, and maintained new credit policies and updated the same to customers
- Identified and informed the management on the extend of risk in lending credit to customers
- Reviewed customers' past financial statements and determined growth prospects of their business
- Modified payment plan structure and calculated rate of interest on extended loans
- Prepared negative and positive reports based on the payment of companies
Education:
- Bachelor's Degree in Finance
ABC University, Phoenix, AZ
2012
Reference:
On request.
