Commercial Credit Analyst Resume Samples
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Commercial Credit Analyst Resume Samples
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JR
J Romaguera
Javon
Romaguera
5982 Ines Prairie
Boston
MA
+1 (555) 242 2891
5982 Ines Prairie
Boston
MA
Phone
p
+1 (555) 242 2891
Experience
Experience
Chicago, IL
Commercial Credit Analyst
Chicago, IL
Kihn-Stehr
Chicago, IL
Commercial Credit Analyst
- Addressing industry and credit risks; performing collateral analysis; loan structuring and pricing
- Establishing open communication and collaboration with both internal and external clients
- Ensuring financial statements are spread and analyzed accurately
- Preparing credit presentations for C&I loans and/or commercial real estate loans
- Preparing spreads which are consistent, error-free and in line with classification parameters used in DBS
- Ongoing, consistent support of the Bank's goals and values
- Speaking – Talking to others to convey information effectively
Detroit, MI
CCB Risk-commercial Credit Analyst
Detroit, MI
McKenzie LLC
Detroit, MI
CCB Risk-commercial Credit Analyst
- Work in partnership with the Bankers to develop Client relationships
- Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving
- Prepare credit approval packages for renewals and modifications and provide recommendations for approval
- Assist senior staff on conducting financial analysis on more complex credits
- Prepare credit approval packages and provide recommendations for approval
- Validation of borrowing base certificates and testing of financial covenants for compliance as dictated by the customer’s underlying loan documents
- Taking ownership of your portfolio, acting with a sense of urgency, assessing credit, financial and repayment risk
present
Chicago, IL
Senior Commercial Credit Analyst
Chicago, IL
Lakin, Kreiger and Robel
present
Chicago, IL
Senior Commercial Credit Analyst
present
- Manage a credit portfolio and conduct extensive credit analyses/underwriting including gathering, analyzing and interpreting all types of credit information on existing and prospective customers
- Perform economic and industry analyses, financial proformas or projections, and risk assessments
- Make recommendations regarding the extension of credit and potential loss
- Prepare and present credit findings to credit approval managers and committees for use in the making of credit decisions on new or existing credit relationships
- Reviews commercial vehicle transactions by analyzing business reports, financial statements, and tax returns to make sound credit decisions within established guidelines while minimizing risk
- .Responsible for reviewing credit line packages of analyst, maintaining line of credit log and distributing new lines of credit packages to analyst
- Responsible for coaching/training of new hires or cross-training of internal candidates from other departments who want a working knowledge of Commercial Vehicle Lending
Education
Education
Bachelor’s Degree in Accounting
Bachelor’s Degree in Accounting
Adelphi University
Bachelor’s Degree in Accounting
Skills
Skills
- Unquestionable ethics, detail oriented and strong organizational skills
- Strong basic computer skills
- Ability to develop proficiency with Sales Logix PC application
- Ability to perform job functions accurately and with attention to detail
- Strong organizational skills and high attention to detail to meet deadlines in an environment of constantly changing priorities
- Possess accounting and finance knowledge, and commercial banking experience
- Prepares report evaluations, ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines
- Active Listening – Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times
- Demonstrate exemplary service and professionalism to clients and prospects when going with Relationship Managers on customer calls related to specific commercial loan requests
- Excellent writing skills
15 Commercial Credit Analyst resume templates
Read our complete resume writing guides
1
Senior Commercial Credit Analyst Resume Examples & Samples
- Microsoft Office software proficiency
- Economics and Accounting — Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data
- Critical Thinking — Use of logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems
- Writing — Effective communication in writing as appropriate for the needs of the audience
2
Commercial Credit Analyst Resume Examples & Samples
- Uses various reporting services to compile reports on clients
- Researches and analyzes financial statements; interprets findings; and prepares various reports
- Prepares and delivers written and oral credit presentations
- Maintains documentation files and monitors compliance with terms of loan/accounts
- May periodically monitor the financial position of established accounts and bring irregularities to higher level associates
- Prepares spreadsheets, reports, summaries and opinions
- Concepts, practices and procedures of credit analysis
- Financial markets and products
- Reading, interpreting, analyzing and applying information from credit reports
- Researching, interpreting and analyzing financial statements
- Preparing and delivering oral and written presentations
- Partner with others to accomplish objectives
- Attend to detail while maintaining a big picture orientation
- Manage multiple tasks with changing priorities to meet deadlines in a fast paced environment with constant interruptions
- Establish and maintain effective working relationships with others
- Provide support on sales calls
- Solve moderately complex problems
3
Commercial Credit Analyst Resume Examples & Samples
- Timely and accurate completion of all assigned risk models
- Validation of borrowing base certificates and testing of financial covenants for compliance as dictated by the customer’s underlying loan documents
- Work in partnership with the Bankers to develop Client relationships
- Prepare credit approval packages and provide recommendations for approval
- At least 1-3 years of lending/credit experience
- Commercial Credit experience is preferred
- Prior experience in a role utilizing basic accounting principles
- Must be capable of multi-tasking and prioritizing in a time sensitive environment
- Must maintain a high level of accuracy with attention to detail
- Have a solid understanding of computer systems and Microsoft applications
4
Commercial Credit Analyst Resume Examples & Samples
- Provide suggestions to complete work towards Simpler, Faster, Better
- Provide quality business analysis for new/existing clients
- Meet or exceed client and CAM turn around expectations on new/increased credit requests/renewals
- Demonstrated commitment to team work and collaboration by coaching, mentoring and assisting CAM’s, service partners and others to meet the needs of clients
- Develop and manage a personal development plan that ensures skills/knowledge/accreditations are up-date and meet position requirements
- Participate in bank and/or industry focused events
- Employee is aware of RBC Key Behaviours and consistently demonstrates their positive impact on business and individual performance in day to day activities with team-mates, colleagues and partners: Put clients first, Collaborate as partners, Develop people, Act on our accountabilities, Make decisions faster and Prioritize for greatest impact
5
Commercial Credit Analyst Resume Examples & Samples
- Reviews customer accounts and/or portfolios in order to identify and act on potential credit quality issues
- Takes corrective action on problem credits or makes recommendations to the person(s) responsible for the credit quality of the account or the portfolio as to the appropriate corrective action that needs to be taken
- Conducts extensive credit analyses on existing and prospective customers prior to making or recommending a credit decision
- Conducts extensive analyses of suspect accounts or portfolios prior to taking or recommending corrective action
- Conducts specialized analyses and prepares specialized reports on loan quality/portfolio quality, and based on those analyses, provides expert advice and makes recommendations to management
- Performs economic and industry analyses, financial projections, and risk assessments, and based on those analyses, provides expert advice and makes recommendations to management (these analyses are done in order to preserve credit quality and minimize risk and potential loss to the company)
- Provides work direction to less experienced staff; and
- Provides training and guidance to less experienced Credit Analysts
- Five to seven years of experience in commercial credit analysis and/or commercial lending activities, including
- Making and defending credit decisions
- Converting federal tax returns to conform to Generally Accepted Accounting Principles (GAAP)
- Advanced commercial credit analysis and analytical skills
6
Senior Commercial Credit Analyst Resume Examples & Samples
- Minimum of two years proven credit analysis experience or equivalent
- Proven financial, analytical, mathematical and communication skills
- Sound knowledge of the business and products supported and pertinent regulations impacting their delivery, including those related to documentation requirements
7
Commercial Credit Analyst Resume Examples & Samples
- Demonstrates proficiency in Microsoft Word, Excel, Windows
- Demonstrates comprehension and application of basic financial analysis skills
- Demonstrates ability to work with all levels of associates in various areas of the Bank, by phone and in person
- Demonstrates strong written & verbal communication skills
8
Commercial Credit Analyst Resume Examples & Samples
- Minimum of 3 years Credit Analysis experience
- Ability to read and interpret Commercial Credit bureau, to analyze trade experience, and utilize external financial resources to underwrite credit requests
- Demonstrated Consumer or Commercial Underwriting skills
- Strong process and project management skills
9
Commercial Credit Analyst Ii Rjb Resume Examples & Samples
- Prepares report evaluations, ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines
- Conducts due diligence investigations for prospective transactions
- Federal and State laws
- Finance and/or accounting principles, practices and procedures
- Preparing financial position and credit reports
- Maintaining documentation files
- Monitoring compliance with loan/accounts
- Ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines
- Performing due diligence
- Operating standard office equipment and using required software applications
- Interpret and apply policies
- Provide a high level of customer service
- Bachelor’s Degree (B.A.) in Finance, Accounting, Business or related field with three (3) years of credit analysis experience
10
Commercial Credit Analyst South Central Region Resume Examples & Samples
- Prepare ad-hoc reports for use by the Commercial Credit Manager and Commercial Credit Risk Manager
- Minimum 4 years Professional Work Experience working for a Bank or Captive Finance Company
- A working knowledge of key accounting/financial principles including Capitalization, leverage, cash flow, liquidity, solvency
- Familiar with concepts of Asset-based Lending
- 5-8 years of professional experience with a history of progressive assignments and advancement
- Working Knowledge of Asset-based lending; familiar with Article 9 of UCC
- Familiarity with Commercial Credit granting practices
- Familiarity with the measures of Corporate Liquidity, Capital Structure & Solvency, and Cash Flow
- Decision-making Ability
11
CCB Risk-commercial Credit Analyst Resume Examples & Samples
- Accurately spread all types of customer financial statements for the market
- Taking ownership of your portfolio, acting with a sense of urgency, assessing credit, financial and repayment risk
- BS/BBA in Finance, Accounting or other Business degree
- Auto Finance experience a strong plus
- Highly motivated team player
12
Commercial Credit Analyst Resume Examples & Samples
- The CCA is also responsible for ensuring account management functions carried out within the Region are completed in accordance with VCI policies and procedures and for ensuring that adequate documentation and files are maintained supporting these efforts
- Strategic Initiatives (WIR 2018) Contribute to the development of strategic initiatives. Included within this function will be controlling operational risk by developing efficiency within core functions, bench-marking best practices, elevating communication standards and driving continuous improvement in current practices to achieve desired results
- Develop professional skills and talents through on-going training while adopting a philosophy of life-long learning
- Commercial Lending Experience working for a bank or captive finance
- Experience underwriting commercial loans to small businesses
- Experience in managing a commercial loan portfolio
- Experience working for an automotive OEM or captive finance company
- Experience calling on automotive dealers
- Familiar with Commercial Real Estate Lending
- Intermediate to Advanced Skills in Accounting and Financial Analysis
- Familiarity with dealership accounting
- Building Cross Functional relationships
13
Commercial Credit Analyst Resume Examples & Samples
- 1-3 years of experience in commercial credit analysis, commercial loan underwriting or commercial loan documentation review
- Must possess excellent writing, communication, organizational and credit analysis skills
- Customer service mindset essential
- Overnight travel, up to 50%, will be necessary with this position. Overtime hours will also be required at various times throughout the year
- Bachelor's degree in Finance required
- 0 minimum GPA required
14
Commercial Credit Analyst Resume Examples & Samples
- 2-5 years of credit underwriting experience
- Proficient with PC applications including Microsoft office
- Business or Masters Degree desired
- Ability to evaluate cash flow
15
Cred Commercial Credit Analyst Resume Examples & Samples
- Analyzes financial data related to new loan requests and periodic loan monitoring, including lines of credit, commercial real estate, and construction financing loans
- Presents facts to Commercial Relationship Managers (CRM) concerning applicant’s credit worthiness
- Reviews and monitors commercial and/or real estate loan documents for accuracy, completeness and adherence to approval conditions
- Provides market research support to Assistant Relationship Managers and Commercial Relationship Managers in connection with new loan requests and loan portfolio management
- Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual required or job-specific training
- Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become "The World's Greatest Bank."
- Bachelor's Degree in Business, Finance, Accounting, or other related field or the equivalent in education in experience
- Previous business or banking experience
- Ability to analyze financial conditions, financial statements, and tax returns
- Ability to understand commercial real estate and business relationships and related entity structures
- Good written and verbal communication
- Ability to work effectively with individuals and groups
- Proficiency with personal computers and related software packages such as Word and Excel, and other business machines
16
CCB Risk-commercial Credit Analyst Resume Examples & Samples
- Testing of financial covenants for compliance as dictated by the customer’s underlying loan documents
- Utilizing credit skills to author well thought out and concise analysis of DCS relationships and identifying key risks
- Prepare credit approval packages for renewals and modifications and provide recommendations for approval
- Assist senior staff on conducting financial analysis on more complex credits
- BS/BBA in Finance or Accounting
- At least 1-3 years of commercial underwriting/lending/credit experience
17
Commercial Credit Analyst, Banking Resume Examples & Samples
- Underwrite complex commercial loan opportunities averaging $10MM or more, providing sufficient in-depth analysis, description and assessment to recommend an appropriate risk rating and Committee action on the request. (40% of time spent)
- Provide timely, accurate analysis of interim financial statements and covenant compliance and all related reporting. (20% of time spent)
- Manage the approved third party servicer process, including loan setup and both paper and digital files. (20% of time spent)
- Provide timely, accurate analysis of all counter parties, including data collection, rating recommendation and all related reporting. (20% of time spent)
- 7+ years of Commercial Underwriting at a financial institution
- 10+ years underwriting in one or more commercial lending disciplines at a Financial Institution, Insurance Company, Hedge Fund or Investment Bank
- ©2015 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY 10017 C23921
18
Commercial Credit Analyst Resume Examples & Samples
- Credit and underwriting skills, must be able to read Credit Bureau Reports, Personal Tax Returns, as well as review Personal Financial Statements, Business Tax Returns and understand Cash Flow Analysis
- Proficient with PC applications including Microsoft office (Excel and Word)
- Ability to develop proficiency with Sales Logix PC application
- Business or Masters Degree
- Prior sales and/or customer service experience
19
Senior Commercial Credit Analyst Resume Examples & Samples
- Requires a Bachelors degree in Finance or other related field
- 4+ years of credit analysis experience including 1 year working with complex or specialized credits including helping to define the structure and pricing of the loan and making projections regarding the long term profitability of the loan
- A combination of education and experience may meet requirements
- Extensive knowledge of financial and spread analysis and credit/lending procedures for very complex loans
- Broad application of commercial credit principles, theories, and concepts in applicable discipline, plus extensive knowledge of other related fields
- Working knowledge of various types of loans
- Ability to work with lending officers and staff
- Solid communication skills, both verbal and written
- Ability to make sound decisions and recommendation regarding loans
- Strong PC skills required
20
Commercial Credit Analyst Resume Examples & Samples
- Preparing spreads which are consistent, error-free and in line with classification parameters used in DBS
- Providing concise and relevant financial analysis by clearly identifying risks
- Ensure reviews are completed prior to due date and are error free
- Interact and follow up with clients on required information and clarifications
- Adhere to the risk management guidelines
- Ensuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of industry sectors within the customer portfolio
- Control and manage the risk profile for the overall Team portfolio
- Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets
- Assist RMs in developing Account Relationship Plans for customers in portfolio
21
Senior Commercial Credit Analyst Resume Examples & Samples
- Manage a credit portfolio and conduct extensive credit analyses/underwriting including gathering, analyzing and interpreting all types of credit information on existing and prospective customers
- Perform economic and industry analyses, financial proformas or projections, and risk assessments
- Make recommendations regarding the extension of credit and potential loss
- Prepare and present credit findings to credit approval managers and committees for use in the making of credit decisions on new or existing credit relationships
- Maintains control over the credit standings of accounts and furnishes information relative to credit inquiries, as appropriate
- 7 to 10 years of experience in credit analysis and/or lending activities
- Excellent analytical skills, problem solving skills, and attention to detail
- Self-motivated individual with strong time management skills
- Portfolio management experience is a plus
- Knowledge of credit administration policy and procedures
- Thorough knowledge of economics, accounting, and finance
- Experience with Moody’s RiskAnalyst or comparable spreading tools a plus
22
Commercial Credit Analyst Resume Examples & Samples
- The role is a part of the CBC team and is responsible for supporting the S/CBMs in providing exceptional customer service whilst delivering income growth, improving efficiencies and embracing Corporate initiatives
- Broad knowledge of the Bank’s structures, products and services
- Minimum of 3 years’ experience in the Commercial or Corporate Banking environment
- Strong ‘team’ skills promoting an environment of co-operation and trust, overcoming resistance where encountered
- Good verbal and written communications skills
23
Commercial Credit Analyst Resume Examples & Samples
- Provide full operational support to the team or function, as required, anticipating workload and supporting with appropriate materials
- Manage operational tasks as required
- Perform adhoc duties by the team or business as required
24
Commercial Credit Analyst Resume Examples & Samples
- Provide full operational support to the team, as required, anticipating workload and supporting with appropriate materials
- Manage workloads on the development and creation of credit papers and associated requirements
- Ensure timely and accurate maintenance of customer information
- Perform adhoc duties as required by the team or business
25
Senior Commercial Credit Analyst Resume Examples & Samples
- Seven to ten years of experience in credit analysis and/or lending activities
- Thorough knowledge of credit administration, policy and procedures
- In-depth knowledge of risk analysis
- Excellent technical report writing skills
26
Commercial Credit Analyst Manager Resume Examples & Samples
- Eight to ten years of experience in credit analysis/administration activities
- Experience in analysis of commercial credit
- Strong knowledge of credit, accounting, credit policy and financial statement analysis
- Proficient analytical skills related to reviewing various forms of asset collateral documentation
- Strong ability to analyze credit decisions, including consumer, commercial, real estate and international finance
- Good management, organizational and leadership skills
27
Commercial Credit Analyst Resume Examples & Samples
- Proven ability to spread business financial statements/tax returns, perform ratio analysis, complete risk assessment and make sound credit decisions and recommendations via written and verbal presentations
- Experience in supporting recommendations when challenged and in negotiating counteroffers, where appropriate
- Proficiency in credit/lending transactions and analytical skill sufficient to enable independent underwriting of commercial requests for lines of moderate to large size and complexity with limited guidance required from immediate manager
- Proven ability to communicate verbally and in writing with internal and external customers and with various levels of management
- Flexibility in adapting to changing volumes and areas of focus (new applications versus portfolio reviews versus initiation of collections, etc.)
- Ability to investigate, recommend and initiate process improvements
- Possess accounting and finance knowledge, and commercial banking experience
- Minimum 4 - 5 years commercial credit lending experience
- Commercial credit card lending experience a plus
- Computer skills specific to Microsoft products and proprietary systems
- Bachelor's degree in a business-related discipline (MBA a plus)
- Successful completion of a major corporate bank commercial training program (or the equivalent corporate banking/corporate finance or accounting experience)
28
Commercial Credit Analyst Resume Examples & Samples
- Analyze financial statements; provide ratio analysis and cash flow analysis for lender evaluation
- Gather information from all relevant and necessary sources to provide accurate analysis
- Follow RMA Code of Ethics in all exchanges of credit information with outsiders
- Attend Credit Committee meetings as non-voting member to facilitate discussion of financial concepts involved in credits before committee
- Ensure all material is properly prepared for credit committee
- Complete special projects as needed
- Strong basic computer skills
- Ability to multi-task and remain organized
- Ability to maintain confidential customer and Bank information in a responsible and secure manner
29
Commercial Credit Analyst Resume Examples & Samples
- Bachelors Degree in Business Administration, Accounting, Finance, Economics or equivalent experience
- 1-3 years related experience in Commercial Auto Dealer Finance (floor plan)
- Effective written/verbal communication and interpersonal skills
- Strong organizational and administrative skills
- Thorough knowledge of Credit Policy, procedures, regulations and applicable law
30
Commercial Credit Analyst, CPF Resume Examples & Samples
- Order and monitor receipt of third party reports. This duty is performed daily, about 20% of the time
- Assist in organizing loan applications and ensuring all relevant information is obtained by the applicant and kept organized in CPF's filing system. This duty is performed daily, about 20% of the time
- Maintain Underwriting checklists. This duty is performed daily, about 20% of the time
- Market Research. This duty is performed daily, about 15% of the time
- Financial Statement analysis. This duty is performed daily, about 15% of the time
- Provide support duties to the members of the Loan Underwriting Team. This duty is performed as needed, about 10% of the time
- Completes required BSA/AML training and other compliance training as assigned
- Perform any other related duties as required or assigned
31
Commercial Credit Analyst Resume Examples & Samples
- Analyzes commercial loan applications received by Relationship Managers to determine eligibility of request, providing prompt turnaround time. Confers with Relationship Managers to determine client needs and discuss options for borrowers. Requests any additional information needed to complete processing
- Inputs historical financial information to show financial trends, evaluate repayment, and mitigate risk
- Analyzes key factors such as industry, management, and economic trends
- Basic knowledge of financial analysis practices, principles, applications and analysis methods
- Ability to work in a heavily deadline oriented environment
- Assures the customer loan request is processed accurately and timely. Coordinates with appraisal department and escrow companies for secured loan products
- Orders business credit reports and personal credit reports on business principals
- Coordinates compliance, decline letter preparation and maintenance of adverse action database
- Maintains a log of maturing lines and coordinates renewal process to ensure that necessary information is received prior to line maturity
- Monitors past due loans for assigned portfolio(s) and recommends action to sales staff or contacts customers directly, as appropriate. Maintains a log of pending action or resolution for past due loans
- Assists Relationship Managers as needed in the preparation of Interim Credit Reports and Real Estate Update Memos
- Provides exceptional assistance and support to all Relationship Managers and Credit Administration
- Maintains a current understanding of Bank underwriting guidelines, procedures, policies and compliance issues. Maintains a working knowledge of regulatory requirements for documentation and regulations relating to commercial lending
- Maintains a current understanding of and complies with Reg B – Fair Lending, Community Reinvestment Act, HMDA, Bank Secrecy Act, Suspicious Activity Reporting, CIP, Gramm-Leach Bliley Act – information privacy, and OFAC regulations
- Performs Commercial Credit Officer duties in their absence as needed
- Performs other work-related duties as assigned
- Assists Commercial Loan Supervisor and Commercial Underwriters in the development and completion of special projects, spreadsheets, graphs, and reports as assigned
- Undergraduate degree in Finance, Business Administration or Accounting, or related work experience preferred
- Established knowledge of financial accounting theory and logic, financial statement and business entity types, commercial products and services
- Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas
- Ability to utilize personal computers, and Windows-driven programs, with an emphasis on the Microsoft Office suite of applications, specifically Word and Excel
- Ability to complete a high volume of work efficiently and with accuracy
32
Corporate Commercial Credit Analyst Resume Examples & Samples
- At least 3 years call center experience, with a minimum of 1 year credit/risk related experience and a background in back office operations
- Experience in handling elite/premium clientele, servicing ANZ/HKG markets
- Hospitality and sales background is encouraged
- Excellent fluency in English (both written and verbal)
- Fluency in Cantonese and Mandarin for Singapore and Hong Kong markets (optional)
- Ability to identify and act on issues that may impact customer experience
- Commitment to deliver the highest level of customer service
- A team oriented individual with growth mindset and positive affluence
33
Commercial Credit Analyst, Manhattan Resume Examples & Samples
- Spread financial statements, tax returns, and other credit information into Moody’s Risk Analyst System
- Perform credit risk analysis of new and existing commercial loan requests to determine credit worthiness of borrower; identify and communicate issues to Senior Lenders
- Draft and prepare underwriting analysis and credit offering memorandums (COM’s) based on financial statement trends and credit ratios
- Perform due diligence on new loan requests; order and review credit reports, D&B business reports and UCC filings
- Review and prepare loan agreements and documentation
- Assist in maintaining credit files and monitoring monthly credit reports
- Follow up with Group Directors, Senior Lenders and Loan Administration on credit and loan status
- Bachelor’s degree in Finance, Accounting or related field required
- Minimum 1 year of experience as a Credit Analyst in a banking or financial services institution; or 1 year of related experience with financial statement analysis, commercial loans or underwriting required
- Basic understanding of balance sheet and income statements
- Experience with Moody’s Risk Analyst System a plus
- Excellent analytical skills with strong attention to detail; must be able to analyze data and make recommendations
- Highly organized with the ability to manage multiple priorities in a high demand environment
- Excellent writing skills; able to effectively summarize findings in written form
- Excellent interpersonal skills; able to interact with all levels of staff and management
- Motivated self-starter with a can-do attitude
34
Commercial Credit Analyst Resume Examples & Samples
- Perform new client credit analysis in the following manner: Analyze the management and economic factors, review the quality of the financial reports, analyze the balance sheet for liquidity and leverage, analyze the income statement to determine the profitability of sales, financial productivity and break even point, study the relationship between the balance sheet and income statement identify borrowing causes and repayment sources, determine seasonality of cash flows and their impact upon repayment ability, analyze historic cash flows to project into the future expected servicing ability, organize conclusions about business risk, liquidity, leverage, profitability, cash flow, repayment sources, and margins of protection, then make loan recommendation. Evaluate the need for additional supporting information in order to make an informed credit decision
- Review analysis with region office identifying areas of shortfall, conditions and terms if recommended for approval, explain justification for declination if not recommended for approval, gain a complete understanding of credit terms, condition, and interest rate being requested by borrower, if request falls outside the company’s standard underwriting guidelines obtain justification for exception
- Monitor for compliance the collection, input and distribution of the financial information made available by the borrower. Identify areas of significant risk resulting from incomplete and/or inadequate financial performance information
- Develop and implement a set of time series analysis to identify changes in conditions as related to the borrowers’ financial condition, changes in liquidity and/or capital structure, and compliance with lending covenants
- Assist in quarterly “SWOT” analysis to identify the strengths, weaknesses, opportunities and threats of borrowers held in the commercial portfolio
- Prepare monthly portfolio performance reports, analyze and identify areas of risk and concern, developing a “Watch Dealer” listing containing those borrowers that require more in-depth analysis
- Participate in liquidity and equity verifications of new and existing dealerships within the commercial loan portfolio. Identify dealerships representing significant risk based on the results of the review
- Develop and enhance professional skills and talents through on-going training, adopting a philosophy of lifelong learning
- Bachelor’s Degree in Accounting, Finance or Business
- 5-7 years extensive professional experience, including experience in Automotive Retail/Wholesale marketing, or experience in Commercial Credit Analysis for a Financial Services Company or Major Lending Institution or experience in Commercial Credit Administration and/or Financial Analysis in a Region and/or Corporate capacity
- Extensive experience in Financial Analysis of closely held corporations, partnerships and sole proprietorships conducting business in automobile retailing
- Flexibility and adaptability to change
- Strong organizational skills and high attention to detail to meet deadlines in an environment of constantly changing priorities
- PC proficient – skilled in the use of MS Office (Excel, Word, PowerPoint, Outlook)
- Communication skills – interpersonal, presentation and written
- Computer savvy – skilled in the use of software
- Integration – joining people, processes or systems
- Resource management
35
Senior Commercial Credit Analyst Resume Examples & Samples
- Reviews commercial vehicle transactions by analyzing business reports, financial statements, and tax returns to make sound credit decisions within established guidelines while minimizing risk
- .Responsible for reviewing credit line packages of analyst, maintaining line of credit log and distributing new lines of credit packages to analyst
- Responsible for coaching/training of new hires or cross-training of internal candidates from other departments who want a working knowledge of Commercial Vehicle Lending
- Responsible for reviewing authority waivers up to Senior Credit Analyst level on credit request
- Assists credit supervisor with coaching and constructive feedback to assist analyst when making credit decisions
- Responsible for pulling queries in Oracle report to assist analyst with credit packages
- Responsible for inputting and decisioning Trac Lease and Forklift transfer of equity applications
- Thorough knowledge of consumer credit analysis and approval process
- Excellent customer service, interpersonal, negotiation, conflict resolution and analytical skills
- Good problem solving, written and verbal communication skills
- Three years credit buying experience – preferably automotive. As an NMAC employee, must have rotated through 2 regions. In addition, two years of experience in Sales Finance &/or NMAC experience in other departments is required. Minimum of five years industry experience required
- Bachelor Degree is required
- Computer use to look up data or information, to generate/print standard reports or spreadsheets developed by others, or to use computer programs developed by others
36
Commercial Credit Analyst Resume Examples & Samples
- Spreading financial statements and assessing the client’s compliance with financial covenants
- Complete analysis and review of new loan request packages to identify credit issues and recommend appropriate loan structure
- Prepare periodic reviews and analysis of existing commercial relationships focusing on a company’s leverage, key risk factors, repayment sources, cash flow and ability to service debt
- Ordering due diligence reports (Appraisals, Environmental, Credit Reports, OFAC and Lexis Nexis) as needed
- Monitoring and tracking financial reporting requirements
- Assembling market/industry data into monthly reports for distribution to Credit staff
- Creating/Updating procedures to assist with cross training among business segments
- Special projects as needed
- Monitoring of Existing Commercial Loans
37
Commercial Credit Analyst Resume Examples & Samples
- Experience in Commercial Credit, financial statement and underwriting analysis
- Ability to read and interpret business and personal financial statements, tax returns and credit bureau reports
- Provide superior customer service by responding to requests in a timely manner
- Highly motivated individual with ability to work in a fast-paced environment
- Experience in Microsoft Word and Excel, as well as the ability to develop a working knowledge of other programs and systems employed by the Bank
- Outstanding written and oral communication skills
- Accuracy and thoroughness in all aspects of execution of responsibilities
- Integrity and ethics
- Adherence to policies and procedures; and
- Ongoing, consistent support of the Bank's goals and values
- B.A. or B.S. in finance or accounting and/or a minimum of five years' experience in banking or a related environment preferred
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Commercial Credit Analyst and Resume Examples & Samples
- Converses completion dates with sales and credit partners, and works to meet agreed upon deadlines
- Effectively associates with credit platform to improve efficiencies of operation, minimize risk, and expand sales opportunities
- Evaluates financial statements and Completes independent written credit evaluations
- Analysis will include a wide-ranging evaluation of the business and will be used by management in approving credit requests. Analysis should sufficiently recapitulate the important aspects of the business including a detailed financial analysis, management competencies, collateral evaluation, and guarantor support
- Analyses will recognize the key strengths and weaknesses of that debtor. Analyses may also include an evaluation of the borrower’s industry and the borrower’s position within their respective vertical of commerce
- Makes commendations for monitoring relative to risk and policy, including revision to existing covenants
- Makes recommendations regarding credit risk rating of commercial accounts and assesses collateral quality and values
- Offers recommendations to loan officers regarding credit structure and policy compliance
- Works closely with loan officers and may accompany them on client visits
- Completes the annual servicing of current relationships as allocated
- Underwriting of Monitored Lines of Credit, and periodic monitoring via Borrowing Base Calculations throughout the life of the loan
- Bachelor’s degree in Accounting, Business or Finance and/or equivalent experience
- Four or more years banking experience with accent on financial analysis and/or commercial lending
- Innovative written and analytical skills to encompass an Capacity to analyze balance sheet structure, and income and cash flow trends on credits up to the legal lending limit of the bank
- Acquaintance of or experience in national syndications and buying and selling of loan participations
- Extensive Acquaintance of commercial credit and lending concepts, practices and regulations
- PC proficiency with Word and Excel, including the use of system and user generated formulas, macros, charts, and tables
- Acquaintance of financial statement spreading, including proficiency in preparing pro-forma statements within Moody’s or other software package
- Established Capacity to make complex decisions regarding business and lending activities
- Capacity to listen and respect the opinion of others
- Capacity to research industry sources needed for credit evaluations
- Robust organization skills with the Capacity to self-manage time and work flow to meet deadlines
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Commercial Credit Analyst Resume Examples & Samples
- Bachelor's and 1+ years of credit analysis experience (preferred 2+ years), lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements
- Working knowledge in credit underwriting, financial analysis, cash flow analysis and adherence to policy
- Exceptional communication skills, both verbal and written
- Excellent customer service, relationship, organizational, analytical and creative problem solving skills
- Solid attention to detail skills
- Ability to think strategically and perform risk analysis at the loan or relationship level
- Ability to meet deadlines and multi-task
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Commercial Credit Analyst Resume Examples & Samples
- Teams with commercial lenders and commercial credit staff to prepare and ensure accuracy of credit approval packages for new loan requests, renewals, and modifications
- Spread, analyze, and interpret borrower/guarantor financial statements, while utilizing personal financial statements, personal tax returns, accountant prepared financial statements, company prepared financial statements and corporate tax returns
- Completes an independent, in-depth review of financial statements for businesses and individuals, projections, and business plans; proactively identifies and mitigates key risks
- Recommends and models appropriate loan structures and collateral based on risk assessment and PBAL Commercial Loan Policy
- Analyzes individual and global company performance and the impact of industry, competitive, and economic dynamics and events on the creditworthiness of existing customers and prospects
- Determines the appropriate risk rating for a company; proactively identifies risk rating changes
- Provides assistance in the timely ongoing periodic credit servicing and internal review of loans within the portfolio, including analyzing historical financial performance, performance vs. projections, covenant compliance, risk rating and any other significant risk drivers
- Develops a strong working knowledge of and ensures compliance with internal bank commercial loan policy, credit risk management policy and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants
- Produces and distributes reports for senior management, as requested
- Manages assigned loan requests through the underwriting and loan approval process
- Bachelor's or Master's Degree in Business with a concentration in Accounting, Economics, or Finance
- Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)
- 4-6 years of commercial credit experience desired
- Ability to demonstrate competence in following and executing defined processes, checklists and adherence to policy and procedures
- Demonstrate good work ethic by being self-directed and motivated
- Possess a positive, flexible, and cooperative attitude and willingness to work within a small office environment
- Proficient in Microsoft Office product suite (i.e., Excel, Word, Outlook, etc.) and willingness to learn additional bank software programs. Experience with Jack Henry and Sageworks product suites is a strength
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Commercial Credit Analyst Resume Examples & Samples
- 0-1 year work experience
- Bachelor's degree in Finance or Business Administration is preferred
- Experience in the finance or banking industry is preferred
- Proficiency using Microsoft Word and Excel is required
- Excellent in customer service, highly motivated, focused, and goal oriented
- Must have excellent written and verbal (face-to-face and phone) communication skills including professional grammar and demeanor
- Strong organizational skills with attention to detail, planning and follow-up
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Commercial Credit Analyst Resume Examples & Samples
- Build initial collateral file to be used during the credit approval process of a new client
- Guide and assist sales team in process for collecting necessary information needed to qualify leads
- Assist sales team as needed with deal structures and contract terms
- Review client and individual applications for completeness of information
- Research guarantor financial viability and determine credit worthiness of applicant. This entails review of various financial and search documents such as individual tax returns, Equifax, and personal financial statements
- Research client financial viability and credit worthiness including review and write-up of client condition and operating results based on financial information and credit information, as well as existing contracts that may pose conflict of interest if approved by Advance
- Research accounts receivable information for aging, concentration and other issues as well as research end debtors for financial viability and credit worthiness based on financial information and credit information available
- Review all information included in CAM by participating individuals for completeness and accuracy
- Periodically review application, CAM, research materials and other forms used in credit underwriting process for potential enhancements and propose form and reporting changes to management. Assist in development of approval metrics
- Manage periodic underwriting review of existing customers, prepare report on current findings and report results to senior management
- Thorough and accurate research and reporting of all data
- Potential risk factors are identified promptly and communicated to appropriate teams in timely manner
- Track record of documentation of new/existing clients shows good analytical skills in identifying and evaluating credit risks
- Timely and accurate completion of tasks is maintained in organized, effective, and positive manner
- All duties are implemented in a manner to support company policies and procedures and enhance teamwork
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Commercial Credit Analyst Resume Examples & Samples
- Review commercial loan packages/requests for completeness, performing all necessary due diligence, i.e. confer with credit association and other business representatives to exchange credit information, perform lien search, etc
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
- Prepare reports that include the degree of risk involved in extending credit or lending money, financial ratios generated using computer programs, cash flow analysis, and other methods to evaluate borrowers' financial status
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
- Complete independent credit presentations, including credit and collateral analyses and summaries of loan requests, and submit to the appropriate approval authorities as detailed in SEFCU’s Commercial Policy
- Consult with lenders to recommend loans structure/terms based on analysis, considering the borrowers' earnings, savings data, payment history, and purchase activity to further mitigate risk to SEFCU
- Interact with borrowers, lenders and third parties to resolve credit/underwriting questions
- Perform credit function in regards to loan renewals and annual reviews with standards comparable to new loan requests
- Other duties as needed
- Bachelor's Degree (BA) or equivalent
- 1-4 years credit and financial analysis in a financial institution; equivalent combinations of education and experience may be considered
- Must have strong working knowledge of Microsoft Word and Excel
- Your ability to be bonded is required
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Commercial Credit Analyst Resume Examples & Samples
- Bachelor's Degree in finance or accounting or equivalent work experience is required
- A background in finance and accounting which provides a basis for commercial loan underwriting and analysis, including the review and interpretation of client financial statements and tax returns, review and understanding of data in both personal and business bureaus is required
- Must have a minimum of 2 years of commercial credit experience including a strong background of reviewing personal and commercial financial statements
- Must have some general business and banking background
- Must have strong analytical skills
- Must have strong MS Office skills including Excel
- Must be an independent thinker in collaboration with other professionals and have the ability to “find a way” to make a loan request while maintaining the credit quality dictated by bank policy
- Excellent oral and written communication skills are required
- This position requires comprehension, organization, reasoning and decision-making, communication and mathematical ability
- Incumbent must also have the ability to count accurately and the ability to add, subtract, multiply, divide and record, balance and check results for accuracy
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Commercial Credit Analyst Resume Examples & Samples
- Analyze credit worthiness of all current and prospective business customers
- Obtain, investigate and analyze credit data, records and spread financial statements
- Confer with credit association and other business representatives to exchange credit information
- Provide in-depth written analysis of commercial credit requests
- Recommend loan structuring
- Prepare internal monthly reports that include the degree of risk involved in extending credit or lending money
- Perform periodic reviews and risk ratings of existing borrowers and key vendors
- Ensure adherence to commercial loan policy standards, procedures, regulations and laws
- Ensure loan policy exceptions are documented and discussed appropriately in credit approval documents
- Create, maintain and organize credit files and perform review of loan covenant compliance
- Consult and communicate effectively with internal and external clients as necessary to resolve issues during the loan approval process
- Demonstrate exemplary service and professionalism to clients and prospects when going with Relationship Managers on customer calls related to specific commercial loan requests
- May identify cross-sell and referral opportunities
- Active Listening – Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times
- Speaking – Talking to others to convey information effectively
- 3+ years experience with financial statements and credit analyst skills preferred
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Commercial Credit Analyst Resume Examples & Samples
- Reviewing and analysis of credit reports; performing technical studies of historical trends; validate all financial information and make recommendation and presentation on data analysis to Sr. Management
- Responsible for credit investigations to identify trends that may impact the company negatively as well as identifying dealers that may present an increased risk to the company and assisting Senior Management with the development of yearly forecasts
- Production and verification of month-end billing statements
- Responsible for scheduling audits according to approval
- Communicate with third party auditor upon audit completion
- Review all audit violations and escalate accordingly
- Develop an automated report process and self-service distribution for routine daily, weekly and monthly reporting
- Identify areas for process improvement and support other management directives as prescribed
- Participate in team discussions with key stakeholders as needed and prepare management reports
- Establishing open communication and collaboration with both internal and external clients
- Effectively remaining and ensuring compliance in all regulatory policies and procedure
- A Bachelor’s degree or 5 years of credit experience
- A Bachelor's degree with an emphasis on Finance, Economics, Mathematics, or Accounting
- 2 years of experience in Commercial Underwriting
- 2 years of experience working in Auto Finance
- Solid understanding of financial procedures, financial credit systems
- Prior experience with UCC filings and personal guarantees
- Strong proficiency in Word, Excel, Access, PowerPoint and SharePoint
- Knowledge of Loan Origination Systems, Accounting Systems
- Possess strong strategic analytical skills
- Must possess excellent verbal and written communication skills, time management skills, and excellent training skills
- Microsoft Office skills are essential
