Commercial Credit Analyst Resume Samples

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Commercial Credit Analysts evaluate the credit worthiness of a business in order to determine the business' ability to repay a loan. Sample resumes of Commercial Credit Analysts highlight such skills as investigating and determining a borrower's financial strength prior to a credit line extension, and mitigating losses by analyzing a borrower's profile and credit history to determine their default probability. A typical resume of a Commercial Credit Analyst will show a bachelor's degree in the fields of business, finance, economics or accounting.

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1

Commercial Credit Analyst

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.
Candidate Info
9
years in
workforce
6
years
at this job
AS
Business Administration
BBA
Finance
2

Commercial Credit Analyst

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
Candidate Info
2
years in
workforce
1
year
at this job
BS
Business Administration
3

Commercial Credit Analyst

  • 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.
Candidate Info
10
years in
workforce
5
years
at this job
BBA
Finance
MA
Accounting And Financial Management
4

Commercial Credit Analyst

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
Candidate Info
11
years in
workforce
2
years
at this job
BS
Business Management
MA
Master of Arts
5

Commercial Credit Analyst

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
Candidate Info
7
years in
workforce
1
year
at this job
BA
Psychology
MBA
Finance
Psychology
6

Commercial Credit Analyst

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.
Candidate Info
6
years in
workforce
2
years
at this job
BA
Economics
MA
Business Administration
7

Senior Commercial Credit Analyst

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.
Candidate Info
11
years in
workforce
11
years
at this job
BS
Business Administration
8

Senior Commercial Credit Analyst

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.
Candidate Info
4
years in
workforce
3
years
at this job
BBA
Bachelor of Business Administration
MA
Finance
9

Commercial Credit Analyst

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.
Candidate Info
3
years in
workforce
3
years
at this job
BA
Economics
10

Senior Commercial Credit Analyst

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.
Candidate Info
4
years in
workforce
1
year
at this job
BS
Finance And Economics

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