Senior Credit Analyst Resume Samples

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Senior Credit Analysts are responsible for analyzing a company's credit and financial reports in order to determine the risk involved in either loaning money or extending credit. Duties highlighted on sample resumes of Senior Credit Analysts include conducting meetings with senior management to discuss results and future strategies, and proactively communicating credit findings and analytical rational to the credit committee, as well as senior management. A Senior Credit Analyst's resume showcases a bachelor's degree, coupled with five years of experience, either in the field to which he or she is applying or a related area.

1

Senior Credit Analyst

Responsible for leading team in organizational training, problem solving and portfolio management of $500 million and receivables.

  • Participated in a corporate wide business process redesign effort during a merger, resulting in projected five year savings of $50 million minimum.
  • Developed and implemented improvements to financial analysis, deduction management that supported sales growth of 32%.
  • Developed effective finance program which supported the successful launch of 12 new products with 100 percent delivered on time.
Candidate Info
2
years in
workforce
2
years
at this job
BA
Management
2

Senior Credit Analyst

Supervised team of 10 analysts responsible for analyzing and quantifying data and reports. Performed variety of collection and credit functions, including providing extensions of credit, collections of customer receivables, reconciliation of accounts, reviewing credit limits as accounts warranted, and controlling asset management charges through maintenance of accounts.

  • Reduced DSOs by 30% in five months by helping to implement of new ARC system.
  • Consistently exceeded monthly/quarterly goals by at least 25% by making regularly scheduled customer calls and cultivating strong relationships.
  • Implemented more effective collection policies and worked with sales team to engage them in collection process on larger accounts, putting accounts on hold until collected.
Candidate Info
7
years in
workforce
3
years
at this job
BS
Marketing
MA
Management Plus Pmp Certification Studies
MBA
Finance
3

Manager and Senior Credit Analyst

Significantly decreased turnover after assuming newly created position upon request of Controller.

  • Managed 6 staff on Loan Servicing Team. Hired, trained, motivated, prepared performance evaluations, and decided salary increases. Coached, disciplined, and terminated employees as needed.
  • Analyzed financial statements and determined credit risk for loans valued at up to $21 million. Prepared and presented loans to two additional loan committees consisting of nationwide members, provided recommendations, and responded to inquiries.
  • Served on the Loan Delinquency Committee, voting on approvals and denials.
  • Implemented software for newly formed incoming call center. Developed and executed guidelines to eliminate security breaches.
  • Increased customer service focus by requiring regular customer service training.
  • Increased productivity and morale by implementing cross training and monthly rotation of duties.
Candidate Info
9
years in
workforce
7
years
at this job
BBA
Management
MS
Accountancy
4

Senior Credit Analyst

Managed $40 million client portfolio. Maintained client trust accounts, in-house litigation, including small claims action, new matter intake evaluation and collection of receivables. Interacted and collaborated with 100+ attorneys.

  • Developed and managed new matter intake evaluation process.
  • Coordinated and conducted regular meetings with the firm's credit committee to review and analyze delinquent clients.
  • Established client evaluation process to identify credit risk.
  • Maintained follow up to successfully resolve billing concerns.
  • Originated and implemented firm credit policy.
  • Assisted with in-house litigation, including small claims representation and preparation of complaints.
  • Reduced pre and post billing write-offs and maintained collection realization rate between 92 -96%.
Candidate Info
22
years in
workforce
6
years
at this job
BS
Business Management
MA
Organizational Management
Leadership, Management
5

Senior Credit Analyst

Assessed customer credit risk, collected accounts receivables, and helped the company maintain and maximize positive cash flow and working capital.

  • Determined whom credit terms are granted; what limits should be, and negotiated payment schedules.
  • Prepared weekly and quarterly reports to verify accuracy, show credit activities, and analyze bad debt liability.
  • Developed standard operating procedures and process improvements to achieve efficient inter-departmental processes.
  • Member of the reimplementation team for the Enterprise Resource Planning System.
  • Aging over 90 days past due in 2009 $400,000+; aging over 60 days past due in 2013 $50,000.
  • Aging less than 30 days past due averaged 96%.
  • Trained and supervised credit analysts.
  • Assisted Controller with CIP and Asset Management; reduced audit time by three days over prior year.
Candidate Info
9
years in
workforce
4
years
at this job
BS
Business Administration
6

Senior Credit Analyst II

Executed quick on the spot credit decisions by using [company name] lending philosophy

  • Managed credit risk on new credit applications by making underwriting decisions
  • Reviewed and developed financial analysis and credit ratios to determine the degree of risk in extending credit
  • Negotiated and sold variable and fixed annual percentage rates using a risk based pricing system
  • Assisted financially stressed customers by offering solutions to prevent going delinquent
  • Enhanced customers relationship by cross selling other [company name] products
  • Achieved monthly goals 100% of the time
Candidate Info
3
years in
workforce
3
years
at this job
Financial Management
7

Senior Credit Analyst - Corporate Credit

Evaluated credit risk and established new credit relationships in accordance with corporate credit policies.

  • Managed bankruptcy portfolio and served on court appointed creditor committees.
  • Analyzed financial condition of high risk and high visibility clients and recommended courses of action including necessary risk mitigation.
  • Managed $210 million trade credit portfolio in the consumer products subsidiary of a major independent oil company. Maintained an average Days Receivable Outstanding (DRO) below 40.
  • Evaluated credit risk and established credit limits for new and existing clients.
  • Conducted financial review meetings with customer senior management groups.
Candidate Info
14
years in
workforce
14
years
at this job
BA
Business Administration
8

Senior Credit Analyst

Researched and analyzed the financial statements and tax returns of small to large sized companies in order to determine the credit worthiness of existing and potential loan customers

  • Created detailed financial reports outlining the strengths and weaknesses of manufacturing businesses, retail stores, real estate investment firms, nonprofit organizations, and municipalities.
  • Managed the daily operations of the Credit Department and reported directly to the Comptroller
  • Monitored the financial positions of the bank's $275 million loan portfolio to identify potential risk and forecast future performances of commercial customers
  • Designed financial models used for the analysis of loans being presented to the loan committee and board of directors
Candidate Info
11
years in
workforce
4
years
at this job
BS
Psychology
MS
Finance
9

Senior Credit Analyst

Analyzed corporate bonds in fixed income portfolios for money management firm (buy-side). Responsible for covering primarily investment grade and cross-over credits in multiple industries, both financial services and industrials. Maturity profile of securities ranged across the entire yield curve.

  • Assessed creditworthiness of corporate holdings by determining industry and issuer risks, performing financial statement analysis, and interfacing with external parties (sell-side and rating agency analysts, company management, etc.).
  • Provided buy/sell/hold recommendations to portfolio managers based on fundamental credit assessment and value.
  • Maintained and updated financial models/ratios for corporate holdings.
  • Created and maintained credit files for money market fund in accordance with SEC Rule 2a-7.
Candidate Info
14
years in
workforce
4
years
at this job
BS
Accounting
MBA
Finance
10

Senior Credit Analyst

Mentored a team of peers on policy and procedures in order to increase departmental efficiency and productivity.

  • Assisted head of credit administration with releasing of credit lines on corporate accounts.
  • Established account restrictions through financial analysis and authorized requests that require a thorough knowledge of banking and lending laws.
  • Evaluated accounts for extensions of credit and monitored for potential profit loss, or risk of fraud.
  • Handled high-level, high-credit risk decisions
  • assumed the role of deescalating sensitive customer service situations utilizing proven methods of client retention strategies for gaining and retaining consumer confidence
Candidate Info
3
years in
workforce
3
years
at this job
BA
Business Coursework

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