Credit Analyst Resume

Just like you examine the eligibility of individuals and companies for loans, the same way employers are going to study whether you fit for the job or not while reading your resume. Therefore, a credit analyst resume must show the recruiters that you have the skills and experience to help the organization in determining the risk associated with giving loans to applicants. The resume must also highlight your capabilities in fixing loan terms, calculating interest rates, and drafting reports for supporting in taking decisions of lending loans to applicants.

Some of the knowledge and skill that recruiters want to see in the credit analyst resume are evaluating the client's financial statements, spending habits, history of repaying loans as well as determining the feasibility of lending loans. Further, your abilities in collecting and studying financial information and client's recovery applications have to be demonstrated in the resume. It should mention soft skills such as communication, interpersonal, teamwork, problem-solving, reliability, and confidence. If you want to make the hiring manager call you for an interview, refer to this resume sample.

For cover letter help, see our Credit Analyst Cover Letter

Credit Analyst Resume Sample

Rita M. Boyce
1789 Blair Court
Rockville, MO 64780
Phone: 660-598-9779
Email: rmboyce@freemail.com

Career Summary

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.