Research in the field of recruiting psychology suggests that most hiring specialists take their final decision regarding the fate of a resume in about 50-60 seconds.
These are rather scary statistics and call for a significant transformation of your existing resume.
If you built your credit analyst resume keeping in mind that the recruiter will read through it till the end and then decide, well the scenario is different now.
Due to excessive competition in today’s job market, the recruiter will now only view your resume for less than a minute!
It is time for some severe optimization and tailoring.
You need to work on two significant things; format and focus.
Format your resume using a uniform and preferably bulleted pattern to make it easy to read and focus on the skills demanded explicitly by the hiring firm.
Related: Credit Analyst Cover Letter Sample
Sample Resume for Credit Analyst Position
Stella Ian
645 Wessex Dr, Phoenix, AZ 67333
(005) 222-6666
[email protected]
CREDIT ANALYST
Accounting… Customer Service… Liaison
SUMMARY
Self-starter and highly capable credit professional with a verified track record of working systematically on short deadlines. Demonstrated ability to execute consumer loan underwriting activities with the ultimate goal of achieving the most favorable outcome for the bank and for the borrower. Proven success in ensuring compliance with established credit policies, guidelines, and regulatory requirements. Detail-oriented with an eye for persistent improvement.
HIGHLIGHTS
• Capable of developing cash flow analysis to facilitate commercial loan renewals, modifications, and annual reviews
• Well practiced in reviewing financial information and developing pertinent credit packages to cater to the needs of the borrower
• Skilled in conducting tax return/ financial statement analysis
• Expert in recommending appropriate loan grades to complex credit requests
CORE COMPETENCIES
✔ Financial analysis
✔ Borrower’s underwriting analysis
✔ Reports/data interpretation
✔ Credit information collection
✔ Loan risk factor review
✔ Credit information development
✔ Communication
✔ Electrolux Rating Model (ERM)
SELECTED ACCOMPLISHMENTS
• Recommended and implemented some vital changes in the lending policies to bring the same in full alignment with state-approved commercial credit protocols
• Secured a large scale credit plan worth 10,0000 $ by demonstrating matchless client relationship building skills
• Resolved a disputed loan issue with a high profile client and brought the company back from the verge of being sued, transforming the situation into a win-win scenario
PROFESSIONAL EXPERIENCE
Credit Analyst
TD Bank, Phoenix, AZ
2015 – Present
• Make articulated recommendations on disputed loan issues while suggesting alternative options for the client party
• Ensure compliance of corporate credit policies with commercial banking policies and applicable guidelines
• Monitor ongoing financial borrowing base compliance and communicate any violation to the concerned relationship manager promptly
Trainee Credit Analyst
Edgen Group Inc, Phoenix, AZ
2009 – 2015
• Analyzed loan applications in light of credit information to determine creditworthiness and repaying ability
• Reviewed the lender agreements from time to time making recommendations for change of certain clauses
• Issued annual commercial loan relationship reviews
• Provided one to one customer service/ financial counseling to ongoing and prospective clients
EDUCATION
MBA Finance and Management Information Systems
BLUE MOUNTAIN COLLEGE, Phoenix, AZ
TECHNOLOGY SKILLS
• JD Edwards
• AS400
• MS Office Suite
PROFESSIONAL DEVELOPMENT
North American Credit Professionals Association
American Society for Banking Personnel