COMMERCIAL CREDIT ANALYST SKILLS, EXPERIENCE, AND JOB REQUIREMENTS
Published: July 30, 2024 - The Commercial Credit Analyst has experience in bank credit risk management and is proficient in credit risk data structuring and database querying using reporting tools like Tableau and Excel, including script and macro development. Possesses in-depth knowledge of business acumen, financial statement analysis, and advanced credit modeling methodologies essential for stress testing. Demonstrates a robust analytical aptitude, excellent time management skills, and a proven ability to adapt techniques to meet specific requirements, ensuring effective risk mitigation and project delivery.
Essential Hard and Soft Skills for a Standout Commercial Credit Analyst Resume
- Financial Analysis
- Credit Risk Assessment
- Regulatory Compliance
- Data Interpretation
- Loan Structuring
- Financial Modeling
- Underwriting Principles
- Market Analysis
- Accounting Knowledge
- Risk Management Software Proficiency
- Attention to Detail
- Decision Making
- Problem Solving
- Communication
- Analytical Thinking
- Negotiation
- Customer Service
- Time Management
- Adaptability
- Team Collaboration
Summary of Commercial Credit Analyst Knowledge and Qualifications on Resume
1. BA in Finance with 3 years of Experience
- Experience with handling legal documentation and leasing tax issues
- High level of accuracy, preciseness and attention to detail are essential
- Superior customer service/relations etiquette
- Ability to multi-task and have strong time management skills
- Working knowledge of Excel, Word and PowerPoint
- Experience with small business loans/commercial loan underwriting
- Familiarity with Salesforce, Cync, Looker, Plaid
- Knowledge of Excel and excellent analytical skills
- Excellent customer service to every customer/vendor
- Working in a fast-paced startup environment
2. BA in Accounting with 5 years of Experience
- Experience in middle market commercial and industrial credit analysis with a banking institution
- Experience with completion of a bank commercial lending credit training program or similar training
- Experience in the preparation of credit memoranda is strongly
- Strong written and oral communication skills
- Strong skills working with MS Excel.
- Exceptional attention to detail and accuracy
- Strong analytical, and problem-solving skills, and business acumen
- Ability to build strong relationships.
- Experience in a credit environment and/or Banking preferred.
- Be familiar with the differences between Business Financial Statements prepared internally, compiled statements, reviewed statements, audited statements and tax returns.
- Excellent written and oral communication skills.
3. BA in Business Administration with 4 years of Experience
- simultaneously, managing time and resources to ensure that work is completed efficiently and with established time frames
- Proficiency in Microsoft Word, Excel, Windows
- Ability to understand financials and be able to spread them on a designated computer program.
- Working Excel knowledge.
- Proficient reading, writing, grammar, and mathematics skills
- Moderate interpersonal relations and communicative skills
- Proficient PC skills, including a thorough knowledge of Microsoft Word, Excel and Outlook
- Proficient organizational skills, proficient ability to analyze and interpret financial statements and, visual and auditory skills
- Knowledge of current lending and loan review regulations, as well as banking regulations, procedures and operations
- Knowing and ensuring compliance with applicable laws, regulations and guidelines, as detailed in policies that including Bank Secrecy Act and other applicable anti-money-laundering rules, Right to Financial Privacy, Fair Lending, Community Reinvestment Act, Gramm-Leach-Bliley Act, and other laws and regulations
4. BA in Economics with 4 years of Experience
- Excellent organizational skills, strong analytical skills, problem solving skills, and the ability to focus on details while working toward the big picture
- Superior verbal and written communication abilities
- Comfortable and respectful working with customers and all levels of individuals of the bank
- Provide superior customer service (internally and externally)
- Accuracy and attention to detail is required
- Proficient in the Microsoft Office Suite
- Well-developed interpersonal skills with the ability to reach agreements for a win-win
- Ability to independently prioritize, execute, and complete tasks with varying deliverables, complexities, and deadlines
- Knowledge of financial statements and tax returns is a plus
- Excellent communication skills
- Detail orientated and well organized with a sense of urgency
5. BA in Statistics with 6 years of Experience
- Experience in bank credit risk, familiarity with credit risk data capture and structuring
- Ability to perform database querying and knowledge of reporting tools
- Knowledge of Business Acumen, exposure to complex credit model methodologies and data requirements for Stress Testing
- Experience using Microsoft Office (Excel, Word, PowerPoint, Visio) Proficient knowledge in Excel
- Experience desired- Scripts/Macros
- Experience desired- Tableau
- Analytical and technical skills to be able to devise new and adapt existing methods, techniques and procedures to meet specific requirements
- Knowledgeable in Financial Statement Analysis required
- Demonstrated analytical aptitude and ability to mitigate risk
- Solid track record of delivery and time management
- Be well-organized, capable both of planning work commitments, task prioritization, meeting deadlines and dealing with peaks of activity and unexpected event
6. BA in Business Analytics with 3 year of Experience
- Ability to work efficiently with a high level of attention to the finer details
- Excellent verbal and written skills
- Delivers informative, well-organized project updates
- Ability to communicate, prioritize, track, and resolve issues in a timely fashion
- Ability to work independently as well as in a team environment
- Excellent written and oral communication skills
- Ability to communicate with management, bank associates and vendors
- Excellent interpersonal skills, strong follow-up and follow-through skills with excellent attention to detail
- Excellent analytical and critical thinking skills
- High self-motivation and strong delivery focus
- Knowledge of commercial lending, construction, real estate and consumer loan processing
7. BA in Risk Management with 2 years of Experience
- Strong verbal and written communication skills
- Well-organized, detail-oriented, and able to multi-task
- Strong analytical and problem-solving skills
- Ability to identify and voice issues
- Ability to work collaboratively with multiple stakeholders
- Demonstrates comprehension and application of basic financial analysis skills
- Demonstrates strong written & verbal communication skills
- Ability to solve complex data-related issues
- Demonstrated ability to work cross-functionally among departments, excellent customer service skills
- Strong focus on providing quality service to internal and external customers