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credit analyst ii resume example with 10+ years of experience

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Jessica Claire
, , 100 Montgomery St. 10th Floor (555) 432-1000, resumesample@example.com
Professional Summary

I am currently looking for an opportunity to secure a position with a stable and profitable organization where I can utilize my current skill set and also gain further experience while enhancing the company’s productivity and reputation. I would like to work for a company that will challenge my abilities and also give me the opportunity to work with a team of skilled co-workers.

Skills
  • Mathematical Computation
  • Notary Public
  • Banking Regulations
  • Commercial Real Estate
  • Improvement Plans
  • Financial Forecasting
  • Financial Statements
  • Lean Six Sigma
  • Oral and Written Communications
  • Commercial and Credit Loans
  • Financial Data Analyzation
  • Financial Statements Expertise
  • Microsoft Office
  • Customer Risk
  • Critical Thinking
  • Collateral Valuation
  • Complex Problem-Solving
  • Judgment and Decision-Making
  • Calculating Risks
  • Microsoft Excel
  • Time Management
  • Risk Management
  • Underwriting
  • Writing
Work History
01/2021 to Current Credit Analyst II First Interstate Bancsystem, Inc. | Riverton, WY,
  • Supported review and acceptance or denial of new or renewal business.
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
  • Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
  • Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
  • Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
  • Assisted Relationship Managers by calculating group and individual renewal rates based on customers' background, industry and demographic information.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Assessed credit risk and analyzed financial statements.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Made decisions and recommendations about extending lines of credit.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
  • Contacted customers and requested financial documentation.
  • Complied with internal controls and government regulations.
  • Gathered loan documentation for underwriting.
  • Carried out day-day-day duties accurately and efficiently.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
04/2017 to 01/2021 Relationship Specialist III Road & Rail Services | Baltimore, MD,
  • Maintained strong knowledge of bank products, services, procedures and regulatory requirements to assist staff members with questions and difficult or complex tasks.
  • Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
  • Counted cash drawers and made bank deposits.
  • Promoted bank's products and services by consistently cross-selling to customers.
  • Researched and resolved customer issues on personal savings, checking and line of credit accounts.
  • Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
  • Evaluated customer lifestyle to counsel customers on best products and services.
  • Maintained friendly and professional customer interactions.
  • Counted, verified and handled bank deposits and armored car transactions.
  • Executed wire transfers, stop payments and account transfers.
  • Established rapport with new clients to increase satisfaction and loyalty.
  • Conducted regular proof work and followed up on chargebacks and deposit corrections.
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Examined tellers' reports of daily transactions for accuracy.
  • Trained employees on proper procedures and strategies to improve productivity.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Protected company assets with strategic risk management approaches.
  • Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
  • Complied with Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
09/2011 to 04/2017 Supervisor American Nursery Services | City, STATE,
  • Maintain day to day operations, supervise a small group of team members, maintain relationships with store managers and employees.
  • Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows.
  • Maintained compliance with company policies, objectives and communication goals.
  • Worked with management team to implement proper division of responsibilities.
  • Maintained clean and well-organized production areas to avoid violations or unnecessary work delays due to hazards or inefficient layouts.
  • Created successful work schedules for each team member to maintain deadlines and fully staff shifts.
Education
Expected in to to | , , GPA:
Expected in to to | , , GPA:
Expected in 05/2017 to to Bachelor’s Degree | Finance Cal State University, Bakersfield, Ca GPA:
Expected in 2012 to to AA Degree | Taft College, Taft, Ca GPA:

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Resume Overview

School Attended

  • Cal State University
  • Taft College

Job Titles Held:

  • Credit Analyst II
  • Relationship Specialist III
  • Supervisor

Degrees

  • Bachelor’s Degree
  • AA Degree

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