Senior Credit Analysts analyses the credit data and financial statement of companies and individual who wants to apply for loans or take credits. Some of the highlighting responsibilities that are to be demonstrated in the Senior Credit Analyst Resume are evaluating credit data of client to determine the degree of risk involved, preparing reports for such risks, analyzing client record and recommending payment plans, conferring along with credit associations to exchange credit information of clients, evaluating financial status of client, drafting financial ratios, conferring with the clients to check the financial or credit transactions and also to resolve their complaints.
To break into this field candidates are required to possess a degree in Accounting, Finance or Business. The much sought-after qualifications that an employer looks out for in a resume is familiarity in areas of study like – Ratio analysis, Calculus, Risk assessment, Economics, finance, and accounting. Having in-depth knowledge of credit application processing and accounts receivable is a pre-requisite for this position.
Headline : A highly-motivated and detail orientated Senior Credit Analyst/Collections with an SBA focus, with a track record of providing high quality, technical presentations for credit actions involving loan requests, renewals & modifications, annual reviews (USDA & SBA), risk rating assessments and charge-off/reserve determinations.
Skills : Excel, Microsoft Office, Peoplesoft, JDE, Oracle, Jd Edwards.
Description :
Adapted best practices to accommodate clients: set appropriate terms and production dates to ensure market deadlines for highly visibility titles.
Played a major role in the development and roll-out of the PeopleSoft-based automated dispute system, as well as a lead group through beta testing of the upgraded version.
Introduced creative solutions as a means to cultivate sales: negotiations with fledging independent publisher resulted in $10 million in annual sales, up from $250 thousand from the prior year.
Spearheaded turnaround strategies for financially troubled customers. Successful workout tactics decreased average days to pay by 15% in its initial year.
Provided financial analysis and credit recommendations to Director of Credit and CFO Scoring and writing credit reports on customers with credits limits up to $20.0M.
Led an extended terms project which generated approximately $3.0M in incremental revenues. Worked closely with sales teams in key objectives and onboarding of high profile customers.
Performed periodic reviews to maintain compliance with internal policy. Negotiated credit limits and the signing of personal guaranties with key customers.
Performed credit reviews for "managed customers, which included providing customer service. Responsible for analyzing customer's credit information in order to assess and set credit limits.
Experience
5-7 Years
Level
Executive
Education
Certificate
Senior Credit Analyst II Resume
Summary : A highly motivated, goal-oriented Senior Credit Analyst II with a successful record of meeting and exceeding personal and professional goals, with an intention to make an immediate and lasting contribution to a progressive organization as a Professional Team Member. To use the skills and strengths in creating an environment of continuous learning and to be a part of a dynamic team that adds value to the organization.
Manage $7M Parts and Service Portfolio of approximately 1800 customers.
Perform credit investigations, assess the risk to determine appropriate credit limits for all new account requests and perform credit limit reviews for existing customer accounts.
Manage all aspects of Accounts Receivable, Working with Parts, Service and Sales across 7 branches to maximize collections and minimize bad debt risk.
Responsible for monthly AR close and running customer statements, preparing monthly and quarterly AR reports for distribution to senior management.
Administer customer collection accounts, promissory note clients, NSF check collections and filing of mechanic's liens to secure vehicle titles for unpaid service repair invoices.
Senior Analyst responsible for training, monitoring analysts' portfolio performance, and provide on-going coaching and mentoring of accounting staff.
Handle project assignments as delegated by the Credit Manager.
Experience
10+ Years
Level
Consultant
Education
Diploma
Senior Credit Analyst I Resume
Summary : A highly motivated, goal-oriented Senior Credit Analyst I, with a successful record of meeting and exceeding personal and professional goals. Dynamic and highly qualified Analyst with an In-depth understanding of anti-money laundering KYC procedures and laws. Self-motivated and highly organized with an exceptional work ethic.
Responsible for a thorough analysis of all financial information and tax returns for a client's business.
Conduct discussions with the business owner, CPA, attorney, or other support staff as needed.
Thoroughly understand the processes and procedures for a commercial credit application, underwriting, and contracting for the company's largest accounts. Ability to perform a full risk analysis of existing accounts and new applications through the utilization of financial statements, audit reports, personal financial statements, credit bureaus, and sales and performance data.
High-level use of computer applications such as Excel, Salesforce, and underwriting software.
Provide prompt, accurate, and courteous service to both internal and external customers.
Formulate a summary and recommendation for credit decisions on large accounts to be presented to an Executive Credit Committee.
Responsible for taking inbound calls and making informed credit decisions on personal credit card accounts based on the individual consumer's existing relationships with the bank and their personal credit file.
Experience
10+ Years
Level
Management
Education
Bachelors Of Accounting
Senior Credit Analyst/AVP Resume
Summary : Certified Senior Credit Analyst/AVP with 9+ years of credit and collections experience. Excellent at organizing, analyzing, and maintaining a large credit portfolio while strengthening customer relationships and promoting a team-oriented environment. Motivated individual with demonstrated proficiency for achieving performance-related goals and able to formulate a tactical action plan to improve upon results. Proven record of successfully negotiating favorable settlements, reducing bad debt write-off, and reconciling long-standing account difficulties.
Skills : Microsoft Office, SAP, MAPICS, 10 key, Problem Solving, Customer Service, Technical Communication.
Description :
Escalate items requiring higher involvement for resolution, and drive resolution through projects, action plans, and other initiatives to streamline process performance.
Obtain security interest where necessary (personal guarantees). Initiating legal or other recovery actions against customers who are delinquent.
Set and ensure compliance with corporate policy Setting credit-rating criteria.
Enforcing the "stop list" of supply goods and services to customers. Monitoring the Accounts Receivable portfolio for trends and warning signs.
Approve new customers and establish credit limits. Collect past due invoices form customers to increase cash flow and reduce the risk of loss.
Prepare financial analysis on the current customer base for customers who provide financial statements and are large customers that could represent a risk to the company.
Develop credit histories by compiling financial information Interpret financial and industry trends and customer payment histories by creating historical financial spreadsheets on customers; categorizing and entering data; analyzing trends.
Take action on delinquent accounts by analyzing pay histories of customers Correct account errors by reviewing invoices; contacting customers and Sales Representatives.
Summary : An experienced, motivated, numbers-driven and goal-oriented business Senior Credit Analyst/Regional Credit Manager seeking a position that will allow demonstrating exceptional analytical, sales, marketing, communication, and customer service skills. Precise, detail-oriented with sound judgment and analytical skills. Experienced in Financial Analysis, Credit process, Review writing, Risk management, and risk analysis expert.
Skills : Microsoft Office XP Applications, SharePoint, Systems
Description :
Performs credit administration, financial analysis, monitoring and due diligence review of various financial packages and loan originations for the association and other reports requested by management.
Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses, and risks associated with loan packages.
Determines the probability of Default (PD) ratings as appropriate and makes recommendations for approval or denial of loans.
Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
Complies with credit administration practices as outlined in the association's policies and procedures.
Participates in the development of loan relationships with other lenders, potential borrowers, applicants, members, participants and loan referral sources.
Assists in the development and closing of complex loans by assisting management and loan officers with analysis and negotiation of such credits.
Acts upon association prior approval loans and loan servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.
Experience
10+ Years
Level
Management
Education
Master In Business Administration
Vice President - Senior Credit Analyst / Portfolio Manager Resume
Headline : Vice President - Senior Credit Analyst / Portfolio Manager with the ability to quickly adapt to changes, excellent problem-solving skills, experienced in all aspects of customer service, able to handle multiple tasks simultaneously, self-motivated, team player, well organized and detail-oriented. To obtain a challenging position that utilizes the organizational, customer service and technical skills.
Skills : Microsoft Office XP Applications, SharePoint, Systems
Description :
Answered incoming calls anywhere from 50 - 150 calls per day. Analyze and review credit status for clients' new service.
Collaborated with indirect and direct agents in order to give the customer the best possible value.
Researched and resolved issues for clients in order to better serve them and their interests in the company.
Collaborated with representatives from other departments to better serve the client.
Processed Business and Consumer applications within a specify turnaround time to meet the customers' needs.
Prepared underwriting and approval documents for new and existing clients; Complete complex financial models to assist portfolio managers with financial analysis of customers and prospects.
Responsible for tracking key portfolio metrics and ensuring compliance with current loan covenants, credit policy, and pertinent regulations; Create presentations to attract and inform new and existing clients.
Contacted customers through emails or phone calls to collect AR. Reconcile three credit card accounts Research Sales Tax for numerous different states and make sure customers are current. Update database (Vertex) with sales tax items for special customers Work with the AP side with spreadsheets making sure we are balanced.
Experience
5-7 Years
Level
Executive
Education
Bachelors of Science
Senior Credit Analyst/Lead Credit Analyst Resume
Summary : A result-oriented Senior Credit Analyst/Lead Credit Analyst with almost 15 years of qualitative experience in a complete Secured and Unsecured lending Process. Adept at people management, maintaining healthy employee relations, handling employee grievances thus creating an amicable and transparent environment.
Skills : MS Office, Research, Analysis, Customer Support, Team Leadership, And Compliance Management.
Description :
Analyzed the risks and credit-worthiness of existing and prospective accounts with aggregate exposure of up to $150 million.
Recommended specific terms and conditions related to the loan structure including repayment terms and financial covenants to mitigate identified risks.
Assigned and monitored portfolio organizational and facility risk grades based on financial condition and performance during the challenging financial period from 2008 through 2010.
Evaluated issues related to account risk and strategic issues.
Interfaced with sales teams in various regions to provide support and feedback on potential new business and helped them achieve their goals regarding portfolio growth and risk management.
Assigned increasingly larger and more complex credit relationships that included multiple business locations, customers with the deteriorated financial condition, loss of dealer franchises or performance concerns.
Reconciled company-prepared financials to Tax Returns to identify any reporting discrepancies and prepared a balance sheet and income statement analysis, ratio trend-charts, cash flow analysis, business and industry risk analysis, and management assessment.
Experience
10+ Years
Level
Consultant
Education
Bachelor's
Senior Credit Analyst/Underwriter Resume
Summary : Senior Credit Analyst/Underwriter with 10+ years of experience in a commercial banking environment; responsible for analyzing/interpreting financial statements on middle-market companies, Pro-forma modeling, sensitivity analysis, cash flow analysis, risk identification/assessment, industry/market analysis, management assessment, collateral evaluation, and written presentations. Active participant on conference calls with CFO's and on-site visits as well as efforts to cross-sell additional bank products and services
Skills : Microsoft Office, Adobe Reader, Oracle, Sunrise.
Description :
Manage and control the AR portfolio by frequent review of delinquent accounts and payment trends to ensure timely payment of receivables. Perform daily application of cash payments and monitor customer's' account balances.
Review account status on a daily basis to approve new customers' sales orders and/or shipments and place delinquent accounts on credit hold.
Analyze customer creditworthiness evaluating credit rating information from reporting agencies to assist in granting credit, prepare credit analysis to substantiate findings and recommend appropriate credit limits for new customers.
Request financial information (Balance Sheet and Income Statements) from existing customers to analyze its creditworthiness, update their files once a year and monitor ratios.
Prepare monthly aging reports for management and generate accounts receivable schedules for month-end closing.
Maintain a reporting system of cash forecast and delinquency ratios to inform management on a weekly basis.
Estimate bad debt reserve on a monthly basis and suggest write-offs for uncollectible balances.
Maintain the percentage of overdue accounts receivables to a minimum (5%) and DSO under 60 days.
Experience
10+ Years
Level
Management
Education
Masters of Science
Senior Credit Analyst/Collections Resume
Summary : Senior Credit Analyst/Collections with seven-plus years' experience in financial reporting, information extraction and manipulation using pivot tables, formulas, and v-lookups, audit, and compliance, working with SAP finance modules, credit, financial and risk analysis, process improvement, implementation testing, supervising and operational support. Working knowledge of GAAP and SOX compliance. An excellent communicator and persuasive consensus builder with strong team leadership and negotiation skills.
Conducted review and risk assessments for the purchase of large credit portfolios from external deal sources.
Managed cross-functional deal teams including legal, senior management, operations, marketing, and external clients to achieve strategic and profit objectives while ensuring adherence to credit policies.
Reviewed and negotiated legal documentation required for funding of approved transactions.
Assisted in the selling of portfolios and individual transactions to external investors.
Assisted in development credit policies and procedures.
Supervised, mentored, and developed team members through knowledge sharing, and training.
Performed credit underwriting for the Columbus and Southern Ohio regions Grew a portfolio from $2m to $5m while maintaining losses under 2% Responsible for training new analysts.
Performed training for all department employees. Collections for the international, key, and difficult accounts Posting of cash payments for international accounts - multiple currencies with posting to intercompany accounts.
Headline : Senior Credit Analyst/Regional Credit Manager with demonstrated capabilities in planning and implementing innovative strategies. Professionally committed and responsible with proven ability to handle a wide range of functions using a combination of creative, organizational and presentation skills.
Skills : Microsoft Excel Certification SAP Intermediate User Knowledge. Forecasting. Budgets. Financial Reporting And Analysis. Account Management.
Description :
Responsible for preparing weekly reports to management on the status of all open accounts.
Work directly with sales and production departments in ensuring a smooth book close.
Assist in interviewing potential candidates. Assumed position of manager when the manager is unavailable.
Reviewed credit applications submitted for new accounts based on established credit criteria.
Performed outbound/inbound communications to ascertain additional information to complete processing.
Conduct supplemental commercial/consumer analysis for underwriting purposes Prepare reports and marketing plans to attain monthly objectives.
Visit dealer groups and market various programs to build rapport. Utilize basic accounting methods to evaluate risk credentials on loan /lease programs.
Provide support in the design and implementation to pricing model for risk management Utilize various pricing method to mitigate risk and maximize profit on contracts.
Support portfolio managers in reviewing the Bank's middle market loan and credit portfolio Analyzed financial statement information of current and potential commercial banking customers Successfully completed Huntington's Credit College Program.
Experience
5-7 Years
Level
Executive
Education
Accounting/Paralegal
Senior Credit Analyst Resume
Summary : A result-oriented, analytical Senior Credit Analyst in diverse business environments with committed excellence in expertise areas of accounting, management, mass production, logistics, and transportation. An experienced leader with proven ability in researching historical data, forecasting receivables, effectively resolving financial matters, and negotiating contract agreements.
Skills : MS Office, Research, Analysis, Customer Support, Team Leadership, And Compliance Management.
Description :
Led the day-to-day activities of a group of Credit Analyst, focused on collecting outstanding balances and resolved customer problems that inhibit the customer's ability to pay.
Approved and authorized credit limits, lines of credit and the release of hold on customer's accounts that suffered delinquencies.
Negotiated alternative contracts to resolve collection problems through effective communications, resulting in stronger customer relationship development.
Assessed account progress by making a recommendation on collection strategy, leading consistently handling of highly sensitive accounts Trained, motivated and counsel team members ensuring high morale and an engaged workforce.
Established and maintained open lines of communication with the customers, sales staff and other key personnel which established an effective working relationship.
Assessed progress on implemented goals, evaluated the completion of tasks and worked all special projects which produced a reduction in receivables over 60 days by more than 20 percent.
Consistently met budgets for each quarterly period.
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