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Credit Risk Analyst Resume Samples
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0-5 years of experience
Improving performance of credit card portfolios and developing effectiveness of alternate strategies for account origination, credit limit management, account profitability, attrition and collections
- Led the project of creating relationship score for Washington Mutual retail banking customers, realizing incremental new origination of $200MM per year.
- Initiated and led the redesigning the Line Assignment of Employee Card, increasing $30MM annual origination.
- Conducted the implementation of new internal risk score and reduced Year One chargeoff rate by 5%.
- Collaborated with marketing department to launch the brand new WAMU secured credit card and establish the underwriting strategy.
- Conducted the FICO release test and analysis in prescreen direct mail population in both prescreening and underwriting, exploring possible new origination of $150MM per year.
- Spearheaded the development of risk management dashboard to track the performance of automated credit decision and new strategy implementation; Enhanced communication and relationships between risk management department and marketing department.
0-5 years of experience
Selected, trained, and collaborated with cross functional departments ; honor given to 10% of team members
- Received satisfactory reviews or better on all 2100 loans, demonstrating outstanding quality, competence, and attention to detail
- Effectively managed a daily pipeline of 8-12 loans to maintain service level agreements with internal business partners
- Assigned increasingly difficult loans due to demonstrated skills
- Successfully adapted to a work environment with rapid changes (subprime mortgage boom to bust)
6-10 years of experience
Analyzed the credit risk of new customers to determine credit worthiness and credit limits (credit risk analysis and credit line assessment).
- Designed and managed Monthly Credit Card payment database, generating over $3.6 million in revenue.
- One of three employees in the California branch entrusted with access to customers’ credit card information.
- Directed Accounts Receivable (AR) managers by writing collection strategy for any accounts that represent credit risk; differentiated and prioritized these accounts from those with demonstrated operational issues.
- Trained finance department staff and new hires on AR recovery, collection practices, and identification of fraudulent orders.
0-5 years of experience
Provided ongoing management and operations support of the Private Bank’s credit portfolios ranging in size from $2 million to $400 million across 3 continents
- Analyzed weekly reports and systems to determine the accuracy of information and proceeded appropriate action to correct if inaccurate or incomplete
- Consulted Lenders and Credit Executives as necessary and worked with Loan Services to ensure loans were funded in a timely and compliant manner
- Filed documents in the system to meet with internal audits and comply with federal regulations
- Ensured that internal policy and compliance were achieved in every credit line and yearly reviews of the clients
- Processed User Acceptable Testing (UAT) test cases on software enhancements to credit systems in order to ensure that the new releases were functioning as designed
0-5 years of experience
Created and maintained SQL to pull different types of populations based on requirements provided by MHAC for each type of loan
- Managed the HAMP Underwriting and Servicing sampling process to be statistically compliant with MHAC regulations at a 95% confidence and 2% precision level
- Designed and modified financial calculations to determine sample sizes for 45 different HAMP audits using Optimal Neyman and other random sampling statistics
- Maintained and modified Access databases that were used to create text files that were then converted in to HTML files that could be uploaded in to the ACES production and UAT testing environments
- Setup audits within ACES so that assigned analysts could perform their testing on the calculated sample provided
- Created Presentations that were submitted to MHAC to prove that our department was statistically compliant by MHAC’s regulations of 95% confidence and 2% precision
0-5 years of experience
Managed and monitored over one million accounts located throughout the Americas, Europe, Asia, and Australia with a combined credit limit exceeding $25 billion. Performed credit/risk analyses for existing and potential customers; analyzed and created recommendations based on customers’ 10-K and 10-Q submissions; reviewed D&B results and in-house Movement reports; reviewed trade references; and reviewed National Association of Credit Management (NACM) reports.
- Selected to monitor capabilities and competency of outsourced department in India during transition period.
- Monitored domestic and international portfolio of new and existing accounts; performed credit reviews and advised management of adverse risk conditions.
- Created and distributed reports on credit exposure for senior level management.
- Researched, analyzed and prepared filings for all customers that filed for bankruptcy.
- Implemented an online procedure to file all bankruptcy cases online and collaborated with in house attorneys to construct a process that adhered to corporate policies.
- Implemented a credit limit approval process for new divisions acquired by Pearson and created credit limits for existing accounts based on financials and/or in house history.
0-5 years of experience
Analyzed financial statements of companies for annual review purposes and prospective deals
- Assessed current market conditions to find economic factors influencing company results
- Reported out on the credit risk of customers according to established policies
- Managed an estimated $800 million NBV in assets, marine cargo containers
- Recovered approximately $3 million in assets due to default customer
- Prepared administrative contracts for asset procurement and customer lease schedules
- Processed monthly billing, invoices ranging up to $1.5 million and managed collection process
- Tested and implemented multiple software upgrades; as well as, global depot network
0-5 years of experience
Managed a portfolio of market-rate equity, mezzanine debt, and tax credit incentivized investments with current financial commitments totaling over $100MM
- Collected and analyzed project level and counterparty financial statements, business plans, annual budgets, and cash flow projections to create a value of a portfolio of investments.
- Conducted credit analysis using advanced methods and tools of aggregated data provided by lenders, clients of the organization, and other sources of data.
- Produced risk-rating scores for multiple investments using the company’s proprietary risk rating engine as well as personally generated models and techniques.
- Developed modeled approaches to new credit enhancement, risk sharing agreements, and determine strategies for using various financial product lines.
- Conducted investment site visits and reported on performance, market trends, and management styles / effectiveness.
- Supported post-closing activities of debt and equity investments within a portfolio of investments
0-5 years of experience
Created an infrastructure for fundamental credit reviews for multiple sectors within our $100 billion Corporates portfolio; these reviews contained macroeconomic outlooks and industry/macro drivers at the sector level
- Reported economic capital on $290 billion investment portfolio for credit risk quantification, portfolio optimization and limits
- Provided data analysis and portfolio stratification across entire credit risk portfolio in support of capital modeling and credit risk reporting
- Analyzed ratings migration across the entire portfolio to understand the change in risk at the sector level
- Prepared a monthly written summary to review which companies experienced the most volatility during the last recession
0-5 years of experience
Key member of risk management staff responsible for maintaining client risk relationships
- Monitored the portfolio performance of mortgage loans of 23 different lenders representing $900MM in outstanding loans
- Reviewed lenders’ financial statements to ensure they remained sound business partners.
- Delivered comprehensive quarterly portfolio performance reviews to lenders’ executive teams
- Identified growth opportunities through the evaluation and approval of exceptions outside of standard underwriting guidelines
- Lead risk management representative on enterprise continuous improvement projects
- Established key performance indicators to monitor performance of new products
0-5 years of experience
Provided analytical support to the Capital Markets front office by evaluating potential derivative/trading counterparties
- Reviewed financial and legal documentation.
- Prepared credit limit applications using electronic credit application system.
- Monitored the ongoing creditworthiness of the firm’s Fortune 500 lending /non-bank financial institutions/CDO obligors and trading clients.
- Participated in individual and team projects related to risk management on an ad-hoc basis.
- Maintained and update documentation files, ensure covenant compliance and formulate lending opinions based on market and industry research.
- Researched various industries through S&P, Moody’s and Fitch in order to prepare analysis
0-5 years of experience
Worked with Analytics, Corporate and the Divisional Credit teams to help deliver Basel II compliant Credit Models into the Group
- Managed the maintenance of a leading edge credit model review and development capability within Group Credit Analytics (GCA) in compliance with FSA IPSB requirements.
- Managed the oversight of credit model development within the various divisions, ensuring that these are developed to standards adequate to satisfy the FSA for internal rating based model approval.
- Managed the development of credit risk rating tools including Expected Loss models, and implementation within pricing, provisioning and risk adjusted performance measurement methodologies.
- Managed the development of risk scoring approaches for credit, attrition, fraud, profitability as required.
- Researched and designed the prototype new scorecards and systems.
0-5 years of experience
- Designed, tested and implemented mortgage default risk score for a $47 billion sub-prime portfolio based on product risk, credit risk and market risk to forecast dollar loss severity, P&L and ROI
- Worked with Central Liability team to track asset liability mismatch and interest rate movements to model their impact on reserves and NIM
- Assisted in MBS due diligence to group pool of receivables by formulating and determining product segments based upon their credit risk and IR exposure
- Designed and developed a delinquency forecasting model using ARIMA in SAS using vintage data
- Developed and managed Disaster Impact Database to track customer accounts impacted by FEMA declared disasters and forecasted their impact on the net portfolio charge-off
0-5 years of experience
- Participated in total $ 150 million policy and commercial loans issuance
- Reviewed firm’s leverage, profitability, cash flows, collateral, credit reference to issue a loan
- Evaluated merchandise contracts and accessed credit worthiness of corporates for L/C issuance
- Performed post-closing activities including site visits and collateral inspections
- Monitored and ensured the use and repayment of loan in accordance with the agreements
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[Credit Risk 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.
