Credit Risk Analyst Resume Samples

Description :

1. Possess excellent knowledge of financial services, accounting principles and reporting.
2. Analyze credit information to determine the risk involved in corporate lending and prepare reports of findings.
3. Utilize applicable software program to track and monitor companies' compliance with covenants.
4. Support relationship managers, portfolio managers, and credit risk managers by spreading personal, business financial statements and tax returns.
5. Preparing global cash flows, stress testing projections, and borrowers, ensuring proper loan.
6. Analyzing guarantor support, monitoring loan covenants, analyzing market research, and environmental risk.
7. Background and debt recap, collateral and guarantor analysis and then submitted for approval to the appropriate credit authorities.

Experience

2-5 Years

Level

Entry Level

Education

Business Banking

Description :

1. Serve as team coordinator for the special situations group and specialty lending group team, in charge of delivering multiple monthly reports to different teams in America, London, and Singapore regarding credit.
2. Collaborate with colleagues in gathering documents and completing applicable credit reviews.
3. Evaluate credit-worthiness of companies within technology media and telecom and consumer, retail, and healthcare.
4. Analysis of company's overall ability to continue performing on its outstanding debt.
5. Acquire a better understanding of a company's ability to repay debt and interpretation from accurate information and historical trends.
6. Capitalize on industry proficiency in presenting and defending models to federal regulators for the semi-annual.
7. Federal audit; and senior management of the credit department on a monthly basis.

Experience

0-2 Years

Level

Entry Level

Education

BBA Finance

Description :

1. Developed and run recursive credit stress tests to determine the credit worthiness of the assigned portfolio on a scheduled basis. 
2. Analyze requests from management to determine the credit risk analysis of the assigned portfolio and prepare reports with findings to help the management making decisions on lending and credit-worthiness.
3. Analyze and develop credit modeling that helps the company to maximize profits and asset growth while reducing the credit and operating loss risks.
4. Develop Risk exposure scenarios and analyze assigned portfolios to identify emerging credit risk trends.
5. Maintain, use and, as appropriate, recommend improvements to assigned credit risk models and maintain a working understanding of the same. Also, examining credit applications to ensure no fraudulent characteristics.
6. Conducted marketing analysis and research to understand the business strategies and analyzing trends in it.
7. Done comparative, qualitative and association analytics using SQL, Tableau, SAS base, R and advanced Excel.

Experience

5-7 Years

Level

Executive

Education

Business Analytics

Description :

1. Conducted credit risk analysis by analyzing risk parameters such as the probability of default, value-at-risk, risk weighted, activity ratios.
2. Collaborated with internal groups to underwrite a loan totaling USD 110 million for companies in various industries.
3. Provide underwriting and risk analysis for commercial and construction loans with a $2 million average deal size.
4. Prepare, review, and Analyze credit-worthiness of personal and commercial loan originations and renewals. Underwrite accounts based on business revenues and transactional data.
5. Track compliance of loan agreements is met and work with stakeholders to resolve possible violations.
6. Prepare loan presentations for credit approvals and work alongside senior management to protect capital.
7. Analyze individual loans to identify and highlight various risk factors and potential servicing issues to ensure investor losses are minimized, servicers adhere to CFPB guidelines and regulations, and borrower harm is prevented.

Experience

2-5 Years

Level

Entry Level

Education

BBA Finance

Description :

1. Created and improved dashboard for foreclosure department, which has been replicated in all other branches.
2. Developed dashboard for claims line of business, which brought the line of sight to over 120 million dollars.
3. Collaborated with finance division to ensure that reporting standards were consistent across the company.
4. Designed and implemented a strategy to bring in a new set of external data for use in reporting processes.
5. Enhanced and utilized reporting methods on multiple platforms, including SAS, excel, and QlikView.
6. Led a team of 5 people to perform the grading process for 220 RBS clients in a timespan of 4 days.
7. Loss forecasting and financial analysis on consumer lending portfolios, which includes a lot of risks.

Experience

5-7 Years

Level

Executive

Education

BS in IT

Description :

1. Responsible for managing the credit risk portfolio of B2B accounts for an assigned division of Automotive LLC commercial stores.
2. Act as a risk management analyst to ensure the assets of Automotive LLC are protected.
3. Performed credit analysis for B2Baccounts through analyzing business and consumer credit reports from Dun and Bradstreet, Experian business and personal reports with credit and bank references and financial statements.
4. Determine B2B account types for customers after a credit analysis has been performed, i. E. Cod, Daily, Weekly, Monthly per defined criteria.
5. Analyzed "80% of Credit" reports determining a resolution to lower the high usage of customer's credit limit.
6. Made decisions on the setting credit limits within the parameters of Automotive's guidelines.
7. Performed collection duties on customers over their credit limit and non-complaint with agreed Automotive's payment terms.

Experience

7-10 Years

Level

Executive

Education

BS

Description :

1. Analyze credit exposures across merchant portfolios up to $2 million annually.
2. Conduct financial analysis on merchant accounts up to $300,000 in risk exposure.
3. Monitor and Analyze trends on merchant accounts using scenario-based risk models to assess financial risks. 
4. Review financial strength and operational processes of merchant business models by analyzing financial statements and recommending approvals or declines.
5. Establish proper credit control limits for merchants with on-going risk exposures.
6. Underwrite merchant accounts and modify credit collateral requirements to secure risk exposures.
7. Review processing trends and bank statements to detect possible fraud/suspicious activity that may result in money laundering or terrorist financing.

Experience

10+ Years

Level

Consultant

Education

Business Administration

Description :

1. Manage annual reviews of all existing Domestic & International accounts, conduct annual and quarterly financial reviews on private and public companies to assess financial risk and assign appropriate credit line.
2. Negotiate and renew contracts with Credit agencies such as Creditntell, D&B, and Equifax as well as trade insurance companies such as Euler-Hermes, and Coface.
3. Maximize the sales potential by negotiating favorable terms and maximum coverage for all accounts, and minimize company's risk by reducing the overall exposure to high-risk accounts.
4. Monitor operating and financial performances of high-risk accounts, and provide senior management with quarterly financial and portfolio performance reviews on high-risk accounts.
5. Provide report and analysis of quarterly contribution margin of major accounts, and regional sales managers' contribution margin to senior management. Provide contribution analysis for the quarterly and annual report.
6. Prepare company's ratio calculation from consolidated financial statements for bank covenant compliance.
7. Work closely with collections manager to solve collection and deduction issues, releasing orders, and adjusting credit lines.

Experience

7-10 Years

Level

Senior

Education

MBA

Description :

1. Monitored Credit portfolio positions and conducted day-to-day risk management.
2. Analyzed a large set of financial data in SAS and excel with statistical methodologies to develop acquisition risk strategies for installment loans.
3. Managed credit risks for the portfolio on an ongoing basis by keeping a watch on operating performance of the clients and by performing critical analysis of their financial statements to ascertain their credit-worthiness and leverage capability.
4. Utilized SAS to validate and improve credit rating scorecard models for two types of installment loans.
5. Built risk reporting framework and prepared regular risk reports to track risk metrics in the loan portfolio.
6. Perform risk assessment, research, and liquidity analyses of customer financial performance.
7. Providing analytics support across credit risk life cycle initiatives: origination, line management, portfolio/customer risk management, capital risk management, collections, and recovery.

Experience

0-2 Years

Level

Junior

Education

Economics

Description :

1. Deal independently with major counterparty issues on their own and interact successfully with senior management and external parties to address high-risk situations.
2. Understand, monitor, and analyze risk in counterparty trading portfolios.
3. Identify unacceptable levels of risk or risk concentrations and work with the bankers to remediate the risks.
4. Assign or confirm independent internal credit ratings for all existing and potential credit counterparties in accordance with internal rating methodologies and procedures.
5. Conduct industry reviews relevant also in the analysis of all existing and potential credit counterparties.
6. Recommend credit limits and transactions within delegated credit authority.
7. Review of all existing credit counterparties on an on-going or annual basis.

Experience

7-10 Years

Level

Senior

Education

MBA

Description :

1. Develop rating methodology and construct rating model for structured finance products (CLO/CDO) based on the expected loss of the projected cash flow.
2. Apply binomial expansion method and the waterfall structure of tranche cash flow to determine credit worthiness and management of collateral assets.
3. Construct rating model for sovereign governments based on countries fundamental financials.
4. Author credit rating reports on structured finance products (CLO's/Auto loan abs).
5. Publish issuer ratings for publicly traded companies, according to the financials, management and industry environment.
6. Assign ratings for private debt, according to issuers financial status and different transaction characteristics.
7. Analyze the consistency between EJRS rating model and methodology, including but not limited to data quality, ratio calculation, and financial projection. Propose enhancement for flaws in the model.

Experience

0-2 Years

Level

Entry Level

Education

MS in Risk Engineering

Description :

1. Collected, maintained, and updated commercial and consumer loan portfolios of more than 100 business loans ranging from $500K to $2M. 
2. Provided minor to moderate market research, financial and credit analysis, business analysis, forecasting, and budgeting. 
3. Create risk assessment templates using pivot tables, graphs, charts, and other various methods to analyze and distribute data.
4. Support management presentations and provide analysis for monthly consumer risk committee meetings. 
5. Developed a strategy targeting high-risk customer accounts that reduced estimated bad debt by $3.5 million
6. Attended FICO and Experian business conferences to discuss industry trends with leading experts.
7. Evaluates champion/challenger test results to track variances, monitor trends, and identify areas of improvement 

Experience

2-5 Years

Level

Entry Level

Education

BA in Economics

Description :

Experience

5-7 Years

Level

Executive

Education

A.A. In Business

Description :

1. Conducted comprehensive industry, business, and financial research to evaluate and rate various companies based on their likelihood of default.
2. Daily monitored and reported trends within the finance industry and its impact on technology, media, and telecom.
3. Took charge of collecting, sorting, and interpreting data to create a thesis, exposing firm's capabilities and meaningful.
4. Contributed to the development and implementation of specific guidelines and methodology in drafting rating.
5. Interfaced with senior analysts to enhance knowledge of banking industry and other subsectors.
6. Received full-time position by demonstrating outstanding performance in fulfilling assigned tasks.

Experience

0-2 Years

Level

Entry Level

Education

BA Mathematics

Description :

1. Analysis, due diligence, underwriting and approvals for a portfolio of about 700 accounts including Investment Managers, Municipals, Pension Funds, Regulated Mutual Funds, and Broker-Dealers.
2. Having approval authority up to $10m, this portfolio of clients had credit limits up to $300m.
3. Focused on monitoring and underwriting complex trading approvals and performing annual reviews for a portfolio of OFI/non-banking counterparty types. 
4. Monitored credit risk and utilization of credit limits, prepared risk reports and resolved limit breaches. 
5. Worked with the Counterparty Documentation Team to recommend credit terms for the negotiations of legal agreements including MSFTAs, MRAs, and ISDAs. 
6. On-boarded new clients and accounts working with IHS Markit. 
7. Cleaned up and maintained client files with incorrect identifiers, duplications, and other outdated/incorrect information.

Experience

2-5 Years

Level

Executive

Education

BS