Commercial Credit Analyst Resume
Summary : As a Commercial Credit Analyst, she conveyed an in-depth knowledge and understanding of business financial statements personal financial statements, and tax returns.
Skills : Analytical Skills, Proficiency in financial modeling and forecasting.
Description :
- Underwrote and credit analysis of Corporate, Commercial Real Estate, Middle Market, and ABL loans, to determine the feasibility and credit risk of granting loans.
- Underwrote and analyzed loan packages by evaluating and reviewing loan packages, financial statements, tax returns, appraisal reports, environmental reports, and other related loan information and supporting documentation.
- Prepared Credit Approval Memorandums CAMss) for presentation to the applicable approval authority committee.
- Maintained continuous contact with RM’s, Agent Ban,k, and customers as needed to provide information on transaction status, and discrepancies and resolve problems, concerns/doubts.
- Worked independently with little supervision and met established deadlines.
- Identified and analyzed trends, strengths, and risks in financials, industries, and geographies.
- Partnered with the Credit Data Analytic group to formulate practical database problem-solving approaches to business challenges.
Experience
10+ Years
Level
Senior
Education
Bachelor’s Degree in Finance
Commercial Credit Analyst Resume
Summary : As a Commercial Credit Analyst, possessed proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting of commercial requests for streamlined to complex requests with limited guidance from the immediate manager.
Skills : Attention to Detail and communication Skills.
Description :
- Ensured compliance with applicable regulations and keeps up to date with changes in federal regulations and FIB credit policy requirements.
- Assisted the Relationship Manager in the preparation of reports for quarterly monitoring of classified and criticized commercial relationships.
- Completed financial performance metric covenant testing utilizing prepared financial spreads.
- Participated in a quality control program that provides for the monthly review of general forms, spreads, and analysis with the provision of feedback and mentoring.
- Concise communication with customers, outlining expectations and requirements to achieve desired results.
- Understood commercial credit law.
- Drove results through continuous improvement.
Experience
7-10 Years
Level
Management
Education
Bachelor’s Degree in Finance
Commercial Credit Analyst Resume
Headline : As a Commercial Credit Analyst, supported other credit risk management activities, including those related to internal/external audits, loan reviews, and regulatory compliance matters, and assisted the Credit Manager with Credit Department reporting.
Skills : Decision-Making, Problem-Solving.
Description :
- Concisely articulated ideas both verbally and in writing.
- Worked both independently and in groups.
- Read, reviewed, and understood various financial statements to include but not limited to, tax returns, balance sheets, profit and loss statements, aging, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals.
- Prepared financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors.
- Analyzed creditworthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection-based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrowers and key industries, and identifying risks.
- Analyzed findings and authors a comprehensive report of analysis using a mix of data analysis (charts, formulas, graphs, etc.) and written narrative.
- Evaluated credit quality and suggested proper risk rating based on analysis of the most recent financial information.
Experience
5-7 Years
Level
Executive
Education
Bachelor’s Degree in Finance
Commercial Credit Analyst Resume
Headline : As a Commercial Credit Analyst, prepared agenda and reports for Executive Loan Committee meetings and uploaded agenda and reports onto the web portal for viewing by committee members and staff, prepared and distributed a variety of recurring reports for use in the monitoring and administration of the commercial loan portfolio.
Skills : Technical Skills and proficiency in financial software.
Description :
- Attended customer calls as appropriate, new money, larger, more complex relationships, new relationships, high credit risk relationships.
- Performed analysis of financial statements, risks/mitigants, management, collateral, and guarantors (among other credit considerations) to determine the viability of loan requests.
- Prepared comprehensive written credit analysis summaries for new loan requests and annual reviews for decisions based on designated Bank approval authority.
- Identified industry trends and analyzed borrower/prospect performance to develop an assessment of credit risks.
- Spread financial statements of existing Bank customers and new prospects to analyze financial performance for new loan requests, as well as for annual reviews.
- Developed a comprehensive understanding of the Bank’s Commercial Lending Policy to prepare loan approval requests that adhere to the Bank’s underwriting standards and that accurately reflect the Bank’s commercial loan risk rating system.
- Worked closely with Loan Officers and Portfolio Managers to gather customer-related information to prepare written approval requests.
Experience
5-7 Years
Level
Executive
Education
Bachelor’s Degree in Finance
Commercial Credit Analyst Resume
Headline : As a Commercial Credit Analyst, performed credit analysis on assigned accounts handled by the commercial loan department in conformance with established policies, procedures, and objectives, and prepared an analysis on moderate to complex commercial credit requests.
Skills : Understanding of banking regulations, Time Management, and Interpersonal Skills.
Description :
- Spread and made interpretative analysis of financial statements and prepared a memorandum for use in loan decisions.
- Made risk rating recommendations and prepares Risk Rating Cards.
- Prepared Credit Review on existing relationships to maintain a current, complete body of review of the commercial loan portfolio.
- Spread and made interpretative analyses of updated financial statements and other information received on existing relationships.
- Reported on overall credit quality and made an updated assessment of financial condition.
- Assisted in spreading financial statements and maintaining financial statement tracking to ensure that the database was current.
- Assisted in quality control audit of financial documents, and made updated risk rating recommendations.
Experience
5-7 Years
Level
Executive
Education
Bachelor’s Degree in Finance
Commercial Credit Analyst Resume
Headline : As a Commercial Credit Analyst, worked with the Senior Credit Officer primarily on credit analysis and underwriting of the following loans: Multifamily, Commercial Real Estate, and Commercial/Business loans, and credit analysis of commercial real estate, multifamily, and business loans to determine the feasibility and credit risk of granting loans.
Skills : Planning, Credit Analyst.
Description :
- Underwrote and analyzed loan packages of bank (retail) programs by evaluating and reviewing loan applications, corporate and personal financial statements, corporate and personal tax returns, appraisal reports, environmental reports, and other related loan information and supporting documentation.
- Assured that the loan package complies with credit, underwriting standards, and lending/credit policies.
- Prepared and/or reviewed the completion of credit approval memorandums (CAMs), including credit analysis, collateral cash flow analysis, debt service coverage ratios, rent roll and lease analysis, purchase contract, and loan special conditions to present to the representative approval authority committee.
- Maintained ongoing communication with the loan officer and customer to provide information on transaction status, clarify any discrepancies with the customers’ account or instructions, resolve problems, concerns/doubts.
- Presented loan file to the loan officer, senior credit officer, or lending authority for discussion and conclusion including the department recommendation to Management and/or Credit Committee.
- Informed the Senior Credit Officer of any material risk factors, discrepancies, or deviations discovered during the preparation and/or review of the CAM, its underwriting, credit analysis, and due diligence.
- Assisted Senior Credit Officer with loan policies and procedures, quality control matters, loan review, and underwriting.
Experience
5-7 Years
Level
Executive
Education
Bachelor’s Degree in Finance
Senior Commercial Credit Analyst Resume
Summary : As a Senior Commercial Credit Analyst, maintained an effective knowledge of LGEs products and services, and analyzed financial statements and tax returns including balance sheet, income statement, and statements of cash flow.
Skills : Credit Scoring, Financial Software Proficiency.
Description :
- Made recommendations that support long-term credit objectives.
- Prepared documentation and assisted commercial lenders in obtaining and analyzing commercial loan applicants.
- Evaluated the creditworthiness of commercial applicants and made recommendations.
- Developed and maintained relationships with third-party vendors to ensure efficient credit analysis operations.
- Used data analysis software, Excel, Adobe, and Word.
- Researched and analyzed financial data on new, renewal, and existing business loans, including data provided by credit reporting agencies, public record agencies, and research/analysis on industry studies and reports.
- Collaborated with management, commercial lenders, and third-party vendors to assess credit risk of the commercial loan portfolio.
Experience
10+ Years
Level
Senior
Education
Bachelor’s Degree in Finance
Commercial Credit Analyst Resume
Headline : As a Commercial Credit Analyst, understood financial information and loan documentation, and partnered with Commercial Marketing and Business Line Leadership to discuss current portfolio tracking and business observations.
Skills : Regulatory Knowledge and communication Skills.
Description :
- Conducted portfolio segmentation analysis using origination, financial, demographic, behavioral, market, and economic data as appropriate.
- Obtained data from disparate sources, linked information, checked data integrity, and performed exploratory analysis.
- Developed programs to efficiently explore hypothetical questions.
- Monitored performance of loan portfolio credit quality, and communicated issues to management.
- Quantified business ramifications, Investigated any incident that may result in losses, and compiled findings for Management review.
- Leveraged industry information and contacts to support analysis through trend comparison.
- Participated in cross-functional teams as an SME for enterprise projects such as CCAR, Enterprise Data Warehouse, and system implementation.
Experience
5-7 Years
Level
Executive
Education
Bachelor’s Degree in Finance
Senior Commercial Credit Analyst Resume
Summary : As a Senior Commercial Credit Analyst, ensured credit analysis clearly and concisely explained the credit request, analyzed the financial information with strengths and weaknesses, evaluated compliance with underwriting standards, and made recommendations about constructive terms, controls, and financial covenants.
Skills : Relationship Management, Negotiation Skills.
Description :
- Demonstrated skillful use of differential analysis in determining documentation requirements and developing Loan Analyses Summaries.
- Ensured timely credit package preparation and completion, considering loan complexity, within a reasonable timeframe and according to production goals.
- Ensured Borrower Rights compliance is maintained at all times.
- Maintained a satisfactory Credit Adm ministration rating on loans assigned for underwriting/restructure.
- Identified Probability of Default (PD) and Loss Given Default (LGD) ratings accurately.
- Assertive and decisive in arriving at sound business decisions that serve the best interest of the Association and borrower.
- Managed competing demands, excellent organization skills, and presented loan actions effectively to the Loan Committee.
Experience
10+ Years
Level
Senior
Education
Bachelor’s Degree in Finance
Commercial Credit Analyst Resume
Summary : As a Commercial Credit Analyst, identified and recommended appropriate structuring of commercial credit facilities, assimilated all data required to complete detailed credit analysis for new requests and annual reviews of existing portfolio, and recommended risk grade to management.
Skills : Time Management, Detail-oriented.
Description :
- Underwrote new credit requests and annual reviews of existing borrowers, analyzing repayment capacity monitoring borrower compliance with approved terms, and recommending risk tolerance to management and financial impact to the CU.
- Developed, produced, and maintained reports for monitoring of commercial credit relationships.
- Reviewed and analyzed the financial condition of businesses and individuals, evaluated the quality and sufficiency of various sources of repayment, collateral, and the appropriateness of credit structures for new loan and renewal requests within established credit risk tolerance.
- Prepared, delivered, and participated in presentations to Management as required.
- Provided updates to commercial lending on commercial lending trends and activities.
- Underwrote various collateral types (including accounts receivable, inventory, and equipment), SBA guaranteed loans, and various types of commercial real estate income and owner-occupied properties performing appraisal reviews, and the administration of construction or other disbursement budgets.
- Acted as a control point in the loan approval process to ensure adherence to credit policies, procedures, and loan covenants.
Experience
7-10 Years
Level
Management
Education
Bachelor’s Degree in Finance
