Credit Analyst Resume Samples

Description :

1. Analytical, problem resolution abilities with the focus on reduction of overall receivable aging from 3 million to $160k within two months of hire date, maintain customer confidence in company products and standards.
2. Identifying discrepancies in the customer master file, security levels not utilized.
3. Customer service representatives are able to utilize working models more thoroughly, efficiently and effectively within Sarbanes Oxley compliance.
4. Identifying an order entry system was not interfaced with customer maintenance file.
5. Successfully working with sales and customers to reduce the number of unapplied credits and misapplied checks.
6. A key member of Sarbanes Oxley team member on implementation strategies for taxation tables for state and government reporting as required for taxable and non- taxable sales occur.
7. Updating process and procedures monthly on Sarbanes Oxley responsibilities.
8. Analyzing and managing the A/R aging report by researching past due accounts, short pays, and over payments including logging and resolving customer issues.
9. Assisting with establishing lines of credit for new and existing customers through dun and Bradstreet, credit references, reviewing payment history, current balances, and gathering the necessary financial information.
10. Communicating customer's credit terms and issues with sales team and customers.

Experience

7-10 Years

Level

Executive

Education

BBA

Description :

1. Analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
2. Conferring with credit association and other business representatives to exchange credit information.
3. Complete loan applications, including credit analysis and summaries of loan requests, and submit to loan committees for approval.
4. Generating financial ratios, using computer programs, to evaluate customers' financial status.
5. Evaluating customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
6. Evaluating loan packages and recommend loan approval based on underwriting guidelines.
7. Complying with federal, state, and company policies, procedures, and regulations.
8. Loan assistant iv operated computers programmed with accounting software to record, store, and analyze information.
9. Performing general accounting duties to include accounts payable, accounts receivable, and petty cash.
10. Preparing payments by verifying documentation, and requesting disbursements.

Experience

7-10 Years

Level

Executive

Education

MBA

Description :

1. Reviewing loan applications and analyze credit reports to determine the risks involved in extending credit or leasing possibilities to customers.
2. Larger accounts reviewed then submitted to upper management for final approval or decline.
3. Maintaining a high level of confidential information, while communicating credit department procedures and/or credit decisions to assigned personnel in order to assist customers with questions.
4. Systems used for business and individual credit reviews in (Dunns and Bradstreet), Experian, accurate and companies credit model.
5. Funding representative responsible for processing lease documents and packages from origination to funding.
6. Obtaining and verifying applicant information in order to complete credit conditions to complete the lease process.
7. Conducting verification calls to customers in order to ensure full customer satisfaction and equipment delivery and/or installation.
8. Executing loan funding decisions and completed full lease funding within assigned limits.
9. Office administrator responsibilities for main office clerical duties, such as answering phones, data entry, word processing, filing, scanning and archiving.
10. Working with various department members and/or independently on various projects and reports.

Experience

7-10 Years

Level

Executive

Education

MIT

Description :

1. Responsible for analyzing credit and financial reports to determine the risk involved in loaning money or extending credit.
2. Scrutinizing financial data such as market share, income growth, and management quality to decide if loans will be lucrative.
3. Comparing liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk.
4. Analyzing the financial records like earnings, savings, payments and purchase of the company or individual and recommend other useful financial activity for further plans.
5. Managing files and records, stenography and transaction and other office procedure.
6. Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
7. Reviewing individual or commercial customer files to identify and select delinquent accounts for collection.
8. Conducting collection calls and customer visits to collect accounts receivables.
9. Market, train, counsel, advise and communicate credit department policy and procedures to company personnel.
10. Generating financial ratios, using computer programs, to evaluate customers' financial status.

Experience

2-5 Years

Level

Junior

Education

BBA

Description :

1. Enter, review, and decision new account applications from multiple channels: stores, online, and/or customers responding to promotional invitations.
2. Process, review, and decision register referrals, Nordstrom direct transactions, and credit line increase requests.
3. Answering complex inbound account inquiries by applying advanced knowledge of visa, retail, corporate card, debit, and gift card products.
4. Locating account numbers for a visa, retail, and debit cardholders shopping in Nordstrom stores.
5. Supporting store sales and growth of Nordstrom tender and rewards programs.
6. Answering basic inbound account inquiries and apply knowledge of visa, retail, corporate card, debit and gift card products.
7. Assisting customers responding to store event invitations and other marketing related activities.
8. Troubleshooting customer inquiries regarding online enrollment, password, sign-on issues, and other online related questions.
9. Reviewing and processing requests for account maintenance, status updates, payments, errors and letter requests.
10. Educating customers on Nordstrom rewards and other available reward benefits.

Experience

5-7 Years

Level

Junior

Education

GED

Description :

1. Providing quantitative and qualitative analysis of applicant requests for lines of credit.
2. Assessing collateral values and credit risk, and prepare written credit-approval packages or denial correspondence.
3. Using probability and statistics to analyze existing data from customers to assess credit risk for new as well as an existing customer and also develop scoring systems and conduct tests to ensure the systems remain useful and accurate.
4. Applying accounting acumen and financial expertise to review applicants operating data and gauges the applicants' financial solidness based on such data.
5. Comparing items, such as liquidity, profitability, credit history, and cash, with other companies of the same industry, size, and geographic location.
6. Analyzing such factors as income growth, quality of management, market share, potential risks of industry and collateral appraisal.
7. Performing cash flow analysis and financial statement analysis by using advanced accounting skills.
8. Interpreting financial and specific industry trends and customer data financial spreadsheets on customers; categorized and entered data; analyzed data.
9. Maintaining historical studies of customers by compiling and analyzing financial review applicant's consumer credit score as well as the DNB and NACM reports to determine the company's risk profile and default probability with the risk management department.
10. Maintaining performance metrics in contacts per hour, accounts cleared per hour and promises kept.

Experience

10+ Years

Level

Senior

Education

BS

Description :

1. Monthly volume in excess of 4. 5 million while maintaining over 90% current.
2. Contact delinquent customers and apply standard collection techniques while maintaining customer service.
3. Communicate with dealers while working your aging to request payments on past due balances and to improve their payment trends.
4. Regularly analyze account terms and maintain credit limits, making sure we have updated credit applications and tax certificates on file.
5. Advance collections, set up payment plans, sent final demands, analyze accounts for collections or write off amounts.
6. Advanced research analysis, forensic accounting reports and post corrections.
7. Follow up through the claim process to ensure the company receives all settlements.
8. Assist team leads with monthly business center reports, ensure the team does not exceed monthly budgets.
9. Planned, monitored, and organized routine maintenance of office equipment monthly.
10. Conducted research on potential clients and businesses to confirm lending criteria would be met or exceeded.

Experience

10+ Years

Level

Management

Education

Accounting

Description :

1. Gathering necessary credit information and evaluate requests to approve or deny applications.
2. Checking figures, postings, and documents for correct entry, mathematical accuracy, and proper codes.
3. Ensuring that all business-related items are successfully and professionally communicated to co-workers, either verbally or in writing.
4. Preparing itemized statements, bills, or invoices; and record amounts due for items purchased or services rendered.
5. Validating and apply sales tax exemption information to accounts according to state taxing rules and guidelines.
6. Classifying record, and summarize numerical and financial data in order to compile financial records.
7. Compiling statistical, financial, accounting or auditing reports and tables pertaining to such matters as cash receipts, expenditures, accounts receivable and credit.
8. Tracking incoming request (calls, credit apps, etc.) by creating tickets through salesforce.
9. Providing technical support for all primary office operations and equipment.
10. Maintaining and managing client accounts; including careful yet time-sensitive handling of delinquent accounts.

Experience

10+ Years

Level

Senior

Education

BA

Description :

1. Responsible for managing large canadian & us portfolio of 600+ clients across multiple business lines, including major control system projects, service requests, planned service agreements and chiller equipment purchases.
2. Prepare monthly collection results, forecast profitability and dispute reports to ensure account reconciliation & payment discrepancies are resolved.
3. Developed relationships with internal and external customers through conference calls & personal attention to affect change, using best practices and appropriate priorities improving customer service.
4. Identified and responded to customer business needs by engaging appropriate departmental functional areas to bring all needed resources to solve business problems and promote service excellence.
5. Analyzed ar penalty reports and engaged with internal customers to identify opportunities for cooperative cross-functional efforts to address and resolve disputes resulting in savings and outstanding ar for the company.
6. The streamlined measurement process for employee performance to improve the accuracy and reliability of performance measures for both the employee and management.
7. Trained and mentored new employees on ar, credit and collection processes and procedures to ensure accuracy and consistency.
8. Participated in the employee advisory committee that handled employee issues, concerns & process improvement proposals, made recommendations to management to address them, resulting in improved employee morale and involvement.
9. Responsible for daily collections calls, reviewing accounts, and releasing orders based on payment status.
10. Developed and ran queries to obtain risk data that pertained to service delivery lenders.

Experience

7-10 Years

Level

Executive

Education

MBA

Description :

1. Researches all credit balance accounts and identifies the source(s) of overpayment.
2. Completes refund request voucher in accordance with departmental policy and submits to ar manager for approval.
3. Enters refund transaction detail into the appropriate system to accurately reflect the approved transaction.
4. Maintains appropriate documentation and refund records according to departmental policy.
5. Reviews credit balance and overpaid insurance reports on a weekly basis.
6. Identifies sources of overpayment and ensures appropriate refund processing or account correction.
7. Practice and adhere to the "code of conduct" philosophy and "mission and value statement".
8. Understand, record, and update case detail reports for all alerts received.
9. Works with other departments to ensure the implementation and completion of action plans.
10. Analysis of credit data and financial information of persons or companies that are applying for credit or loans to determine the risk that the bank, or other lending or credit-granting institution.

Experience

2-5 Years

Level

Junior

Education

Certification