Sr. Credit Analyst Resume Example
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SR. CREDIT ANALYST
Skills
Financial statement review
- Process improvement
- Due Diligence.
- Problem resolution
- ORACLE
- Account Reconciliation
- SAP expertise
- Advanced financial analysis
- Compliance assessments
- Credit risk
- Business operations
- Project organization
- MS Office
- SAP FICO
- Cash Flow analysis
- Accounting principles
- Audit Coordination
- Evaluating capital projects
- Data Collection & Research
- Advanced Financial Analysis
Professional Summary
Experienced Sr. Credit Analyst with over 13 years of experience in multiple industries. Strong analystical skills, excellent reputation for resolving problems, improving customer satisfaction, and driving overall operational improvements. Consistently saved costs while increasing profits.
The Sr Credit Analyst requires strong analytical skills, the ability to build trusting relationships, effective communication skills, the ability to develop a holistic view of risks on counterparties and products as well as focused and timely execution while
Work History
Sr. Credit Analyst, 04/2012 to Current
Cf Industries, Inc. - Terre Haute , IN
Cf Industries, Inc. - Terre Haute , IN
- Perform detailed financial and credit analysis for new and existing customers.
- Monitor and analyze the risks (credit, country, execution, currency) associated with the Power & Gas business unit.
- Conduct detailed analysis of clients' financial health using financial models and credit reports.
- Produce high quality credit memos outlining transaction, purpose, strengths, risks and mitigants during the LoA process.
- Complete within designated due dates annual reviews of credit to portfolio clients.
- Identify early warning signals in deteriorating credits.
- Stay current on major developments and changes in market conditions.
- Assist in portfolio reviews and risk analysis for project acquisition opportunities.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Improved understanding of financial statements, which helped in assessing risk.
- Performed credit reviews on corporations to assess financial conditions.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
Risk Analyst, 10/2010 to 03/2012
Beecher Carlson - Sandy Springs , GA
Beecher Carlson - Sandy Springs , GA
- Performed credit and risk analysis on commercial credit loans for equipment financing.
- Analyzed financial statements, corporate tax returns, personal tax returns (for guarantors) and other supplemental financial documentation to grant loan requests.
- Examined the security (collateral) and sources of repayment, credit history and management ability.
- Used cash flow analysis, skills to calculate the company's exposure during the course of a contract.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Recommended approval or disapproval of commercial, real estate or credit loans.
Credit Review Manager, 01/2007 to 09/2010
Umpqua Bank Corp - Marysville , CA
Umpqua Bank Corp - Marysville , CA
- (Leadership Development Program).
- Managed a team of credit risk staff who are responsible for credit risk management and analysis.
- Performed quality monitoring across the organization by analyzing, summarizing, and monitoring compliance of credit policies and procedures.
- Identified underwriting and funding weaknesses, addressed areas of non-compliance, and recommended change when necessary.
- Created reports for management with viable recommendations for improvement of business operations, efficiencies, and internal controls.
- Coached, mentored, and assisted team members to establish a consistent level of quality, accuracy and compliance to departmental standards and internal controls.
- Assisted with the development of departmental goals and action plans for staff to assure business objectives and credit policies are consistently met.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Monitored accounts for signs of fraud and non-payment issues.
- Provided resources and expertise for conversion, validation and training required for company-wide software updates.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
Education
TX. MBA: : AccountingDallas Baptist University
FinanceThe University of Texas - City, State
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Resume Overview
School Attended
- Dallas Baptist University
- The University of Texas
Job Titles Held:
- Sr. Credit Analyst
- Risk Analyst
- Credit Review Manager
Degrees
- TX. MBA : : Accounting
Finance
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