- Featured in:
-
More Commercial Credit Analyst Resumes
Use these Commercial Credit Analyst samples as a guideline or visit our extensive library of customizable free resume templates.
Select
Customize
Download
Find out what is the best resume for you in our Ultimate Resume Format Guide.
Additional Finance Resume Samples
Commercial Credit Analyst Resume Samples
No results found
6-10 years of experience
Managed aged trial balance portfolio worth over $15 million dollars.
- Prepared credit memoranda to assess risk and recommend exposure limits to Director and VP of Finance.
- Established customer trade credit lines by pulling Dun & Bradstreet reports, checking credit references, and performing extensive financial statement analysis.
- Consistently collected over $500k to $1 million dollars in past due invoices on a monthly basis.
- Reconciled accounts receivable transactions, cash posting, and general ledger entries.
- Honors include: Consistently accomplished a 78% or better monthly aged trial balance debt recovery.
0-5 years of experience
Provided support to senior lending staff and undertook risk analysis for loan proposals in excess of $20,000,000
- Analytical work included: global and personal cash flows, predicting financial trends, assessing credit
- Constructed and maintained industry analysis; summarized findings and presented to lending team and management on a weekly basis
- Develop and maintained financial background information to suggest advisability of credit extensions
- Performed gap and SWOT analysis between company offerings and competitors for senior management
- Developed client presentation/credit study packages for loan committee and management review
0-5 years of experience
- Effectively managed risk by determining creditworthiness of commercial loan applicants; analyzed range of financial data, including balance sheets, income / cash flow statements, budgets, and projections.
- Facilitated streamlined financial operations by helping create standardized credit underwriting practices, policies, and procedures.
- Authored credit presentations for loans to commercial organizations in industrial, real estate, and construction industries; loans ranged from $100K to $6M.
- Established credit presentation template that improved efficiency, streamlined workflow, and enhanced standardization.
- Trained two new associates on credit analysis, finance, and accounting, including policies and procedures.
0-5 years of experience
Wrote complex customer evaluations for applications using assigned approval authority of $50K and reviewed evaluations with senior management
- Reviewed, processed and authorized issuance of credit exposure for commercial accounts according to established guidelines in high-volume environment
- Communicated status of applications to both internal and external clients
- Provided maintenance support for database integrity (ownership changes, name changes, address changes, terms, limits, and other associated data accuracy)
- Maintained reporting requirements to ensure metrics are successfully met using Microsoft Excel
- Assisted Risk Department with special projects as needed
0-5 years of experience
Experience with C&I transactions including BBC monitoring for companies with gross sales of up to $171MM.
- Developed net operating income analysis for income producing commercial
- Experience in underwriting loans with enhancements from government
- Responsible for reviewing and assigning risk ratings utilizing the Sageworks
- Assisted commercial loan officers with the establishing of terms under which credit will be extended and renewed, including the costs, repayment
0-5 years of experience
Minimized bank risk by conducting due diligence on the legal and financial background of key
partners, management, vendors and suppliers before entering a formal relationship;
- Performed underwriting, financial analysis and the calculation of key financial ratios for small business
- Created financial and cash flow forecasting models to determine debt repayment and deal profitability;
- Maintained and managed client relationships on a loan portfolio in excess of $40 million;
- Completion of [company name]’s 9-month Commercial Credit Analyst Program.
10+ years of experience
Performed sound credit evaluations and underwriting of customer/market risks for telecommunications, corporate credit card, agent bank, prepaid calling cards, and sales productivity customers.
- Averted the loss of $150,000 in fraud dollars from direct mail campaigns.
- Maintained an order cycle time of less than 2 days for credit process.
- Managed portfolio delinquency using deposits and others, ensuring division write-off targets.
- Produced and analyzed reports and statistics for senior management to review.
- Served as troubleshooter for “suspicious” credit applications, reducing exposure to fraud.
- Received GE Quality Award for recovering over $3 million dollars in expenses, my first three months in position.
0-5 years of experience
Assisted middle market portfolio managers in underwriting over 100 credit facilities including projections to estimate debt service coverage.
- Reviewed clients’ annual cash flow and balance sheet strength (minimum credit exposure of $3MM).
- Prepared financial analysis on the financial strength of tenants occupying the bank’s commercial real estate portfolio.
- Compiled industry analysis for the middle market portfolio managers as needed, specifically oilfield service and gaming industries.
- Produced individual guarantor analyses based on personal financial statements and tax returns.
0-5 years of experience
Created spreadsheets and risk analysis reports based on the financial statements of various types of corporations, partnerships, and non-profit organizations.
- Responsible for writing minutes from loan approval and asset review meetings that were maintained in borrowers’ credit files.
- Provided research reports to lenders about the background of potential borrowers, and trends in their various industries
- Created Portfolio Review write-ups that are reviewed by senior management.
- Experienced in working with large multi-bank deals with over $100MM+ in exposure, as well as distressed loans.
0-5 years of experience
Work directly with Senior Lenders and the Credit Committee to identify potential opportunities to grow the commercial loan portfolio, contributing to a 25% increase in outstanding loan balances.
- Prioritize workflow for a team of Senior Commercial Lenders with an aggregate portfolio of $750M to efficiently manage existing loan reviews, new credit requests, and on-boarding of new clients.
- Responsible for the training and development of new credit analysts in all aspects of their job function.
- Developed and implemented an updated credit review process in conjunction with the Executive Vice
- Perform all functions as previously assigned as a Commercial Credit Analyst.
0-5 years of experience
Completed formal 10 week credit training program upon hire to certify commercial underwriting proficiency
- Analyzed credit metrics including cash flow and collateral to support loan origination and renewal
- Prepared written description of business, industry, financial statements and loan grade conclusion
- Verified financial health of borrowers by means of thorough financial statement analysis as well as measurements of liquidity and other key quantitative metrics
- Measured covenants, analyze borrowing formulas and spread financial statements
- Collaborated with commercial lenders and customers for further financial health due diligence, as necessary
- Proposed fitting metrics such as fees, covenant measurements and pricing changes to reflect and mitigate credit risk
0-5 years of experience
Prepared analytical presentations of complex business and personal financial data of new and existing customers.
- Reported historical trend, ratio analysis and cash flow analysis of prospective and existing borrowers.
- Assessed guarantor strength, borrower credit worthiness, industry trends and other major risks to Bank when lending to customers.
- Assisted loan officers with financial report inquiries and written presentations.
- Recorded minutes of Commercial Credit Policy Committee meetings.
- Maintained a residential concentration report for Relationship Managers and updated analytical memorandums on the Bank’s counterparties.
0-5 years of experience
Managed a portfolio of 80 companies with more than $800 million in bank credit exposure, which included nonprofits organizations, commercial real estate holdings, and casinos.
- Prepared written interim and annual reviews on the portfolio of companies concentrating on management, industry influence, operating performance, financial condition and repayment capacity.
- Analyzed financial statement and produced projections using computer based models.
- Researched and assisted in the preparation of industry related papers regarding economics conditions.
- Monitored quarterly financial covenants and identified policy exceptions and made recommendations to remedy them.
- Prepared underwriting packages for new and existing bank clients.
0-5 years of experience
Analyzed complex debt, including real estate and C&I, with maturities spanning one year to multiple years.
- Performed complex financial analysis, identified risk and interpreted data for Relationship Manager’s use in rendering sound underwriting decisions. Analyzed based on personal tax returns, business tax returns, property operating statements, rent rolls, schedule of real estate owned and CPA reviewed financial statements.
- Prepared and analyzed loan presentations to recommend requests to Senior Loan Officer or Loan Committee.
- Recommended loan structure and covenants to department manager.
- Monitored account performance to ensure compliance with internal credit review and regulatory policy.
0-5 years of experience
- Provided assistance to the bank’s Vice President of Credit in the gathering and analysis of corporate and personal financial statements.
- Analyzed potential commercial loan opportunities for compliance with established lending criteria and sound underwriting practices.
- Reviewed financial statements, tax returns, and various forms of commercial income producing properties such as hotels, shopping centers, condominiums, acquisition and developments, apartments, and office buildings.
- Participated in numerous projects to improve bank operations.
- Performed periodic reviews of 204 loan files ($100M to $28MM) by analyzing updated financial statements for signs of a change in credit quality, positive or negative, compliance with loan agreements, and future loan opportunities.
- Accompanied the EVP and the Senior Vice President of Commercial Lending on new and existing customer calls.
0-5 years of experience
- Provided extensive financial analysis and underwriting support for commercial lending teams
- Created financial projections for businesses ranging from $5 to $50 million in revenues
- Investigated potential credit quality and regulatory issues related to loan portfolio leading to satisfactory audits
- Monitored and analyzed key financial and performance ratios in determining borrowers compliance with loan agreement
- Performed industry and economic analysis on borrowers in complex industries
Rate This Article
Commercial Credit Analyst
Last edited by: Gabriela Barcenas, CPRW, Content Writer II -
Gabriela Barcenas
CPRW, Content Writer IIGabriela is a Certified Professional Resume Writer (CPRW) and career adviser. With 10 years of digital media experience and five years of resume writing expertise, her publication history includes fashion, education, travel, social justice, equitable design and career advice.
