Credit & Portfolio Risk Analyst Resume Samples

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ET
E Tillman
Elena
Tillman
6486 Torp Hollow
Los Angeles
CA
+1 (555) 502 5985
6486 Torp Hollow
Los Angeles
CA
Phone
p +1 (555) 502 5985
Experience Experience
Boston, MA
Credit & Portfolio Risk Analyst
Boston, MA
Gislason LLC
Boston, MA
Credit & Portfolio Risk Analyst
  • Driving credit risk policies in any of the following areas – authorizations, underwriting, existing customer management
  • Ensuring that MIS for Branded Cards and Retail Services are consistentin the assessment of collections risk and policy
  • Forecasting credit losses for new account acquisitions
  • Providing analytic support for ad-hoc requests from business, regulatory agencies and/or other audit entities
  • Measuring acquisition campaigns against Risk Appetite Framework to ensure they are within expected risk and return guardrails
  • Segmenting accounts using CHAID/CART methods to create authorization strategies for Over Credit Limit transactions
  • Tracking forecast results to actuals to improve forecasting performance
Detroit, MI
Avp-credit & Portfolio Risk Analyst
Detroit, MI
Kunde, Stokes and Turner
Detroit, MI
Avp-credit & Portfolio Risk Analyst
  • Perform technical design, development, modification, and implementation of Business Rules
  • Independently manage and conduct in-depth risk analytics projects that provide insight to the business and help mitigate credit losses
  • Analyze tests and performance using SAS and decision tree (CHAID/ CART)
  • Document design decisions, adhering to existing process guidelines, and develop software components
  • Troubleshoot issues, identify root causality and work with multiple Citi IT teams to deploy solutions
  • Provide support to business analysts for monitoring of rule outcomes and other ad hoc reporting
  • Evaluate effectiveness of current policies and strategies
present
Houston, TX
Assistant VP-credit & Portfolio Risk Analyst
Houston, TX
Schultz, Terry and Schuppe
present
Houston, TX
Assistant VP-credit & Portfolio Risk Analyst
present
  • Independently manage development and implementation of effective risk management strategies that help mitigate credit losses
  • Analyzing tests and performance using SAS and decision tree (CHAID/CART)
  • Analyzing tests and performance using SAS and decision tree (CHAID/ CART)
  • Provide insight into the data through MIS and deeper analytics
  • Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies
  • Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses
  • Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US
Education Education
Bachelor’s Degree in Mathematics
Bachelor’s Degree in Mathematics
Loyola University Chicago
Bachelor’s Degree in Mathematics
Skills Skills
  • Highly proficient in Excel/pivot tables and PowerPoint
  • Ability to take the concept and data and create good Power Point Presentations
  • Interfacing with the Global MCA Champion to meet quarterly deliverables and other MCA deliverables as assigned
  • Highly proficient in making impactful presentations / power point slide
  • Strong ability to interpret analytic results, analyze and solve business problems via MIS, and present/summarize for management review
  • Strong programming skills in advanced SAS and SQL in mainframe, UNIX and PC environments
  • Strong communication and presentation skills
  • Ability to work effectively across portfolio risk policy teams and functional areas teams
  • Strong influencing, negotiating, and facilitation skills
  • A self-starter with strong sense of ownership
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4 Credit & Portfolio Risk Analyst resume templates

1

Credit Portfolio Risk Analyst Resume Examples & Samples

  • Background in audit, operational risk or credit risk would be particularly helpful
  • Ability to assess credit policy, its application and implications, with respect to risk and controls in the risk management organization
  • Analytical skills to synthesize validate and analyze metrics and develop trends for senior reporting
  • Technical abilities to develop reports and presentations
  • Organizational skills to manage various projects and timelines
  • Self motivated self-starter who can take initiative and work independently
  • Ability to develop strong relationships with peers and senior managers
2

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • The incumbent will be responsible for developing strategies and solutions using SAS and data querying tools to manage Credit Authorizations & First Party Fraud for Branded Cards
  • Segmenting accounts using CHAID/CART methods to create authorization strategies for Over Credit Limit transactions
  • Developing models using regression techniques or other statistical methodologies to classify transactions based on risk/reward and drive authorization decisions
  • Ability to grasp payment flow and create strategies to prevent credit abuse resulting in losses for the Bank
  • Understand impacts of policy changes to operations and closely work with partners to mitigate impacts
  • Ability to articulate ideas to cross functional teams in the form of presentations
  • 2+ years relevant experience in a Credit Card Risk Function
  • Strong knowledge of SAS, SQL, MS-Office & CHAID tools such as Knowledge Seeker
  • Self-starter who proactively seeks to improve policies and processes
3

Hedge Funds Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Establishing credit limits and margin rates through a formal write-up and in-depth credit analysis
  • Monitoring exposure vs. approved limits to ensure trading remains within tolerated risk-limits
  • Negotiating the credit-related components to ISDAs and other trading documents
  • 1 + years of previous work experience in a related-field, or recent college graduate with relevant course work for capital markets
  • Individuals should possess adequate knowledge of the Hedge Fund Industry, including strategies and trends
  • All employees are expected to have strong communication skills, both oral and written
  • Candidates must have a proactive and creative approach to problem-solving in order to meet tight deadlines and deliver results to management as well as internal and external customers
4

Credit & Portfolio Risk Analyst Loss Forecasting Resume Examples & Samples

  • Understand the key components that drive losses, i.e. contractual, bankruptcy, economic, recoveries, purification, etc
  • Provide a GAAP view of the forecast and support the LLR team
  • Coordinate with Collection Planning regarding capacity planning & Recovery
  • BS required in Mathematics, Engineering, Statistics, Physics or a relative quantitative discipline
  • Master’s degree in a quantitative discipline preferred
  • Strategic thinking coupled with ability to drive change end to end from concept to execution
  • Self-starter who proactively seeks ways to improve processes
  • Strong understanding of Risk Management and Financial Statements (P&L, Balance Sheet)
  • Ability to understand and work with complex data to formulate a view of the card business that can be actioned by management
  • Strong analytical, communication, and project management skills
  • Position also requires the ability to work with all levels within the organization to drive projects to completion
5

VP-credit & Portfolio Risk Analyst Resume Examples & Samples

  • Coordinate the CCAR and ICG Corporate Global Stress Test exercise with responsibilities, not limited to, crafting process timelines, interpreting macroeconomic scenarios, modeling, creating presentation templates, liaising with and supporting Banking and Risk Senior Management, training and leading partners across the organization
  • Coordinate ad hoc stress test exercise based on episodic economic and market events (i.e. oil price decline) to access potential impact on the overall portfolio
  • Support GI/RM Seniors on departmental analytical initiatives and regulatory projects, such as Industry Quarterly Reviews and Leveraged Finance Projects
  • Propose process improvements in an effort to automate GI/RM portfolio management functions
  • Organize policy, process and systems training
  • BA/BS degree and a minimum of 3-4 years related experience in the Financial Services industry
  • This individual should be analytical, flexible, team-oriented, and have good interpersonal, communication, and follow-up skills with strong attention to detail and ability to multi-task
  • Manage projects across diverse groups within Citi
  • Work under time pressure both as part of a team and independently; able to juggle multiple deliverables and ad-hoc requests
  • Possesses advanced Excel, Word, Outlook and PowerPoint skills
  • Experience with Citi Risk applications preferred
  • Understanding of corporate finance and familiarity with ICG credit policy preferred
6

AVP, Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Stress testing: develop innovative stress testing approaches to structured credit asset classes
  • Capital Rationalization: solve problems around inconsistent and sub-optimal capital methodologies
  • Correlation Analysis: help with correlation analysis for bank portfolio management and structured portfolio transactions
  • Large Transaction Analysis/Advisory: support traders, structures and risk managers in evaluating major structured transactions with an execution deadline
  • Risk Challenge: develop effective challenge methodologies facing various production level elements within the bank
  • Strategic Modeling for Asset Allocation: develop decision tools for senior management around global asset allocation for residential and commercial real estate
  • Technical advisory for CCAR, Basel and other critical workstreams: support critical technical advisory input toward regulatory compliance
  • Preferred minimum master degree in quantitative field such as statistics, economics, quantitative finance, engineering or mathematics. 3-5 years of relevant work experience
  • Direct resi and commercial real estate experience preferred
  • Excellent written and oral communication skills are required, ability to present work in a formal and understandable format, bringing groups of people to consensus
  • Ability to show initiative and problem solving around database and systems issues
  • Basic programming skills and ability to work with and motivate programmers
  • Demonstrate ability to successfully engage in multiple projects and effectively use third party systems such as Intex
7

Credit Portfolio Risk Analyst Resume Examples & Samples

  • 1-3 years of Credit Risk experience
  • Strong knowledge of Capital Markets/traded products
  • Credit facility; loan syndication understanding
  • Strong technical skills, including accounting and financial modeling
  • Excellent writing and strong communication skills
  • Ability to multi task and work within tight deadlines
  • Receptivity to feedback;Initiative and resourcefulness
  • Team focus
  • Interest in corporate and investment banking products
8

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Collaborate with Risk Modeling, Portfolio and New Account Forecasting teams as well as data and reporting teams
  • Challenge model output to identify areas of improvement relative to portfolio and macro-economic trends
  • Work with business peers to determin the best ways to produce results needed to support RAF
  • Card experience with compiling data - SAS / Citi EDW
  • Broad understanding of overall credit card business and key drivers of profit and loss
  • Vision and ability ot provide innovative solutions to core business practices
  • Ability to develop partnerships across multiple business and functional areas
  • BS degree in Mathematics, Engineering, Statistics, Physics or relative quantitative discipline
  • Advanced degree in a quantitative discipline strongly preferred
9

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Providing analytic support for ad-hoc requests from business, regulatory agencies and/or other audit entities
  • Developing anticipatory and comprehensive reporting that will enable the policy team to understand the performance of existing policies and will aid future Cards risk assessment
  • Performing independent validation of Quality Control (QC) exception reports and partnering with policy/strategy teams to complete post-implementation validation for key initiatives
  • Ensuring that MIS for Branded Cards and Retail Services are consistentin the assessment of collections risk and policy
  • Strong prior experience using SAS/SQL/Teradata in a UNIX environment
  • Automation using VBA Macros, Data warehouse and mainframe experience is a plus
  • Strong ability to interpret analytic results, analyze and solve business problems via MIS, and present/summarize for management review
10

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Work with business peers to determine the best ways to produce results needed to support RAF
  • BS degree in Mathematics, Engineering, Statistics, Physics or relative quantitative discipline required; advanced degree in a quantitative discipline strongly preferred
  • Strategic and integrative thinking, with ability to drive change end to end from concept to execution
  • Vision and ability to provide innovative solutions to core business practices
11

Assistant VP-credit & Portfolio Risk Analyst Resume Examples & Samples

  • Help drive digital strategies for RS Risk organization
  • Engage with different stakeholders to help drive projects ahead
  • A good understanding of credit life cycle and collections/recoveries
  • Provide insight into the data through MIS and deeper analytics
12

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • 1) Balance the risk and return for customer initiated credit line increase program to optimize the decisions on underwriting and line assignment
  • 2) Identify policy improvement opportunities and take ownership of policy analytics – from conception to execution
  • 3) Develop, produce and manage the MIS reports to measure and monitor the program, intepret the trends and explain the key drivers, and proactively manage the health of the program with all stakeholders
  • 4) Improve the customer experience of the customer initiated credit line increase program
  • 5) Work togher with Risk Operation team and system execution team to ensure flawless execution of various testing and strategies
  • 6) Manage the control tasks, including the inter and external audits and policy governance
  • Master of Science preferred
  • 3-5 Years of experience in an analytical capacity required
  • Excellent presentation and communication skills
  • Ability to work independently or in a team environment
  • Cross-functional project management experience is highly desirable
13

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Provide BAU Reporting and Strategic Presentations to the Senior Management
  • Summarize the information for the senior leadership using Excel and PowerPoint
  • Maintain a line of sight towards key priorities for the Retail Services risk organization
14

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Fundamental analysis of asset management companies, pension funds, private equity and mutual funds
  • Analyzing a full range of products (lending, derivatives and capital markets transactions) and structuring terms and provisions to contain risk within acceptable parameters
  • Detailed knowledge of product documentation and ability to negotiate terms independently
  • Developing and maintaining relationships with the Relationship Managers, Traders, Sales and Account Officers who are originating business and credit exposure to the customers
  • Periodic on-site due diligence meetings with their counterparties
  • Driving change and efficiency to the current methods for reviewing and monitoring Fund risks
  • 3-5 years of previous work experience in a related field
  • Familiarity with Capital Markets trading and lending products, particularly in derivatives, FX, structured and other complex products traded
  • Strong grasp of current technologies including stress testing is highly beneficial
  • Highly proficient with Microsoft Excel, PowerPoint, Word and Access
  • Real sense for how to build/support business growth
  • Motivated and confident to drive change
  • Attention to detail; unaffected by high pressure situations
  • Quantitative and intuitive skills, and an understanding of the risks inherent in capital markets products, transactions and positions
  • Bachelor degree required additional degrees/designations which may include MBA, or MS desirable
15

Credit & Portfolio Risk Analyst Balance Transfer Resume Examples & Samples

  • Take ownership of the Balance Growth channel; manage Balcon (balance consolidation) programs and any new initiatives in collaboration with internal Risk teams and cross-functional partners
  • Document and ensure communication of key risks; produce reports and presentations that outline findings, recommend changes and rationale
  • Develop or implement risk-assessment models or methodologies
16

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Forecasting credit losses for new account acquisitions
  • Measuring acquisition campaigns against Risk Appetite Framework to ensure they are within expected risk and return guardrails
  • Bachelor’s Degree required in statistics, mathematics, engineering, physics, economics, or related quantitative discipline
  • 3+ years experience in financial, economics or other analytical capacity (or 1+ years experience with Master’s Degree or PhD)
  • Proficient with SAS/SQL or experience with data manipulation tools; knowledge of Essbase or Oracle Smartview; MS Office
  • Good written and verbal communication skills, with ability to connect analytics to business decisions; comfortable presenting to peers and management
17

VP Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Develop and manage MIS reports and adhoc analyses to measure and monitor the program, interpret trends and explain key drivers
  • Perform descriptive and statistical analyses to validate hypothesis, interpret results/outcomes and derive business and predictive insights
  • Influence senior managers and leaders with analytically driven recommendations to improve policies
  • Manage appropriate controls for the program, including internal and external audits and policy governance tasks
  • Effectively collaborate with business partners in Marketing, Execution, Finance, Data Management, Compliance and Legal to ensure flawless and timely execution and management of policies
  • Proficient with MS Office suite
  • Ability to work independently with baseline instructions/guidelines from management
18

Avp-credit & Portfolio Risk Analyst Resume Examples & Samples

  • Develop risk management strategies in conjunction with the product team to grow the portfolio
  • Communicate policy changes and test recommendations, program approvals, MIS and performance trends with key stakeholders
  • Analyze bureau and credit information to determine statistical significance of information and perform risk and reward trade off analysis
  • Collaborate with partners and work effectively in a matrix environment
  • 1+ years experience in risk management, financial services or relevant field (or Master’s Degree or PhD) - Preferred
19

Avp-credit & Portfolio Risk Analyst Resume Examples & Samples

  • Bachelor’s Degree required in computer science, engineering, or analytically focused discipline
  • 1+ years experience in relevant field or Master’s Degree or PhD
  • Experience with FICO Blaze Advisor (version 6.5 or later)
  • Proficient in C/C++ or JAVA, SQL and MS Office
  • Work with cross-functional teams to provide systems/platform expertise
  • Extremely detail-oriented; intellectual curiosity
20

VP-credit & Portfolio Risk Analyst Resume Examples & Samples

  • 2-4 years in related work experience or other systems and analytical capacity (or 1+ years experience with Master’s Degree of PhD)
  • 3-5 years of experience with FICO Blaze Advisor (version 6.5 or later)
  • Demonstrated ability to translate business requirements into Blaze rules with focus on reusability
  • 2+ years programming experience in C/C++ or JAVA or SQL. Proficiency with MS Office suite
  • SAS or R programming knowledge is a plus
  • Analyze data and requirements to design effective solutions or propose alternative courses of action
  • Good written and verbal communication skills; ability to translate business needs into system/process designs; comfortable presenting to peers and management
  • Ability to multi-task and work against tight deadlines
  • Work independently with baseline instructions/guidelines from management
21

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Perform vigorous analyses using analytical and statistical tools to identify gaps and opportunities for the program, and to drive changes to credit policy to optimize risk-rewards tradeoff
  • Synthesize information and data to resolve business problems with logical and practical solutions
  • Present analytical findings and associated business implications to senior management
  • Apply mathematical or statistical techniques to address practical issues in risk management
  • 3+ years experience in risk management, financial services or relevant field (or 1+ years experience with Master’s Degree or PhD)
  • Understanding of basic P&Ls of Cards business a plus
22

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Track record of high achievement
  • Excellent written and verbal communication skills with the ability to convey clear and concise thoughts and ideas
  • High level of computer literacy especially in Excel and PowerPoint
  • Natural curiosity to validate and analyze data to develop trends for senior management reporting
  • Exposure to audit, operational risk or credit risk would be particularly helpful
  • Good interpersonal skills to work with various staff and management levels globally throughout risk
  • Organizational skills to lead various projects and timelines
  • Self-driven sense of motivation
  • Strength to work within deadlines and meet key target deliverables   
23

Avp-credit & Portfolio Risk Analyst Resume Examples & Samples

  • Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US
  • Independently manage and conduct in-depth risk analytics projects that provide insight to the business and help mitigate credit losses
  • Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes
  • Analyze tests and performance using SAS and decision tree (CHAID/ CART)
  • Have a good understanding of credit life cycle and collections/recoveries
  • Can present to both technical and non-technical personnel effectively
  • Have the ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities
24

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • The role will require successfully performing the different analytical components of an econometric-modeling driven stress testing process
  • Must have the knowledge and expertise to deliver innovative modeling techniques and data strategies, deliver best in class stress testing and/or credit scoring models
  • Must be updated with latest CCAR modeling techniques through ongoing review and synthesis of research papers
  • Role will require developing PD/EAD/LGD stress testing models for annual DFAST/CCAR exercise. Prior experience in developing loan level models is preferred using one or more modeling constructs
  • Survival Models, Age Period Cohorts and State Transition models
  • Presentations to both technical and non-technical personnel are required to be made frequently as part of the job. Must have capability to clearly communicate analysis
  • Education: Bachelor’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, Statistics
  • Ability to apply credit and risk principles toward business objectives
  • Strong leadership and team management skills
  • Strong programming skills in advanced SAS and SQL in mainframe, UNIX and PC environments
  • Exposure to and understanding of Comprehensive Capital Analysis and Review (“CCAR”) and Dodd-Frank Act Stress Testing (“DFAST”)processes
25

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • The role will require successfully performing the different analytical components of an econometric-modelling driven stress testing process
  • Must have the knowledge and expertise to deliver innovative modelling techniques and data strategies, deliver best in class stress testing and/or credit scoring models
  • Role will require developing PD/EAD/LGD stress testing models for annual DFAST/CCAR exercise. Prior experience in developing loan level models is preferred using one or more modelling constructs
26

Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Driving credit risk policies in underwriting and commercial acquisitions
  • Financial/Budgetary: NA
  • Individual Contributor (IC)/Managerial: Individual Contributor
27

VP, Credit & Portfolio Risk Analyst Resume Examples & Samples

  • Prepare presentations and communicate portfolio dynamics, evaluate industry trends, explain models and assess credit risks holistically
  • Develop and maintain standardized reporting
  • Develop of new reporting and analytics based on requirements from business partners
  • Provide proactive recommendations to senior management based on analytical observations of key business indicators
  • Develop sound risk mitigation strategies
  • Source data from disparate systems and bring them together in a SAS environment
  • Conduct ad hoc reporting, analytics, and presentation requests as required
  • NOTE** The information listed within this description summary is intended to indicate the general nature and level of work. It is not designed to contain or be interpreted as a comprehensive account of all the responsibilities, and/or minimum qualifications required of an employee assigned to this position. Compensation is comprised of base pay + variable incentive. Variable incentive compensation is based on individual performance and is not guaranteed
  • At least 7+ years related experience
  • Requires strong analytical ability
  • Advanced SAS programming skills
  • Strong communication skills to present plans to senior management
  • Strong project management skills with experience managing multiple simultaneous projects
  • Ability to visually display and interpret data
28

VP-credit & Portfolio Risk Analyst Resume Examples & Samples

  • Establish and implement ECM policy for both new business opportunities and existing partner programs that align with business goals and risk appetite. Tracking and reporting of all initiatives and reporting performance results, emerging trends and business opportunities to senior management
  • Ensure all initiatives comply with the policies, regulations, and strategic direction set by senior management, and participate in various control, audit and compliance initiatives as required
  • 3+ years working experience with credit policy analytics and development, preferably on a card portfolio
  • Bachelor’s degree in a quantitative discipline or business. Masters preferred
  • The ability to apply credit and risk principles toward business objectives
  • SAS programming (PC SAS, SAS EG, UNIX SAS) and Computer literacy with MS Office software required
  • Data mining experience using Knowledge Studio or similar software preferable
  • The candidate must demonstrate strong organizational skills, have strong multi-tasking ability and an ability to learn and apply new skills quickly
  • Excellent overall business judgment and strong interpersonal, analytical and problem solving skills