CREDIT ANALYST RESUME EXAMPLE

Updated: May 28, 2025 - The Credit Analyst provides critical lending decision-making support, analyzing financial statements, credit reports, and collateral valuations while preparing detailed loan presentations for the Loan Committee and Board of Directors. This role supports loan officers through the underwriting process, assists in the development of the Small Business Loan Portfolio, and prepares necessary customer documents. The analyst performs annual loan reviews, cash flow analyses, compiles delinquency reports, and maintains accurate credit files and meeting records.

Tips for Credit Analyst Skills and Responsibilities on a Resume

1. Credit Analyst, Horizon Lending Solutions, Albany, NY

Job Summary:

  • Conduct thorough quantitative and qualitative credit analysis of new and existing FB customers and provide recommendations and assessment of credit risk
  • Ensure outsourced and internal process documentation is up to date
  • Provide training and support documentation for internal Sales/Sales Ops teams on invoiced revenue and credit-related processes
  • Identify process gaps/tool enhancements and partner with key stakeholders to implement a scalable, stable and secure solution (including outsourced operations)
  • Working with cross-functional teams on ad hoc projects related to order to cash
  • Responsible for attending to local billing queries (as applicable) and coordinating resolution not limited to FB invoices/local tax invoices, ads spent discrepancies with invoices, update of customer details and local tax queries on invoices
  • Responsible for raising change management request related to local credit collection and billing process for FB, including participating in ad-hoc projects
  • Promoting customer goodwill through professional credit management and relationship building
  • Participate in training and onboarding of new credit analysts
  • Effectively manage credit-related support requests and escalations
  • Lead communication to the Sales team at the leadership level and training content and manage delivery


Skills on Resume: 

  • Credit Analysis (Hard Skills)
  • Process Documentation (Hard Skills)
  • Training Delivery (Soft Skills)
  • Cross-functional Collaboration (Soft Skills)
  • Issue Resolution (Soft Skills)
  • Change Management (Hard Skills)
  • Relationship Building (Soft Skills)
  • Communication Leadership (Soft Skills)

2. Credit Analyst, Summit Financial Services, Des Moines, IA

Job Summary:

  • Monitoring and processing of premium renewals.
  • Review, and analyze all financial data, collateral sources, and insurance policy information to assess acceptance with business unit underwriting standards and credit appetite for all customer renewal activity.
  • Prepare thorough, accurate, clear and concise underwriting memorandums for submittal to credit authorities.
  • Adhere to PWB and business unit Credit Policy, Compliance and Underwriting Guidelines.
  • Work closely with the Legal department to help prioritize and assist with documentation for assigned loans.
  • Monitor portfolio for changes in borrower requirements, collateral deficiencies, or carrier agency ratings.
  • Analyze, prepare and make recommendations for loan modifications when they develop.
  • Ensure timely and accurate risk rating assessments and inform management of developing problems.
  • Management and monitoring underlying insurance carrier performance and preparing annual reviews.
  • Communicate with other relevant parties to establish a thorough understanding of an account relationship.
  • Adhere to procedures for data entry to CS systems and tracking reports and maintain appropriate stewardship of credit files to document all material events and actions.
  • Maintain financial integrity by researching and reconciling discrepancies


Skills on Resume: 

  • Premium Monitoring (Hard Skills)
  • Financial Analysis (Hard Skills)
  • Underwriting Preparation (Hard Skills)
  • Credit Compliance (Hard Skills)
  • Portfolio Monitoring (Hard Skills)
  • Risk Assessment (Hard Skills)
  • Cross-Department Communication (Soft Skills)
  • Data Stewardship (Hard Skills)

3. Credit Analyst, Citigroup, Chicago, IL

Job Summary:

  • Undertaking in-depth credit risk assessments of existing merchants
  • Gathering and reviewing relevant financial and non-financial information needed to complete a credit review.
  • Contacting merchants to gather and verify information
  • Analyse information to assess credit risks highlighting pertinent points and any areas of concern
  • Communicated decisions back to the relevant parties.
  • Ensure that all systems/ databases are maintained accurately at all times, for management information reporting.
  • Correspond with clients to resolve payment issues and set up payment plans
  • Follow standard procedures to perform basic accounting tasks, such as general accounting
  • Post and balance financial data in various ledgers to reconcile bank accounts
  • Validate documents and codes
  • Carry out, convey, and strengthen the mission, values and culture of the company
  • Reply to information requests from stakeholders, including shippers, customers, and the sales/marketing department
  • Handle payments and compile segments of monthly closings and annual reports in compliance with GAAP


Skills on Resume: 

  • Credit Assessment (Hard Skills)
  • Financial Review (Hard Skills)
  • Client Communication (Soft Skills)
  • Data Maintenance (Hard Skills)
  • Payment Resolution (Soft Skills)
  • Accounting Basics (Hard Skills)
  • Document Validation (Hard Skills)
  • Compliance Reporting (Hard Skills)

4. Credit Analyst, Evergreen Banking Group, Madison, WI

Job Summary:

  • Auditing and verifying documents and following internal controls
  • Understanding and monitoring loan documents to ensure compliance.
  • Work directly with insurance agents and brokers for any deficient underwriting data, loan requirements, or customer service requests
  • Review, analyze and underwrite new borrower proposals
  • Prepare CCM’s and assist with loan closings. 
  • Contribute to team effort and cross-training that includes ancillary work with one or more departments. 
  • Follow the established process for new customer set up and credit investigation and establish credit limits within assigned limit level or refer for approval when outside established limit authority
  • Assess and recommend new credit analysis practices that proactively identify and minimize risks.
  • Create and maintain credit history files
  • Respond to credit inquiries from external and internal clients
  • Prepare weekly and monthly reports, including credit hold reports, bad debt reports, new credit application reports and account receivable summaries
  • Analyze and assess the creditworthiness of both new accounts and credit limit increases of existing accounts using external credit risk management tools and reports based previous sales
  • Identify bad debt or financial exposure to leadership
  • Daily/weekly account status reporting


Skills on Resume: 

  • Document Auditing (Hard Skills)
  • Loan Compliance (Hard Skills)
  • Insurance Coordination (Soft Skills)
  • Proposal Underwriting (Hard Skills)
  • Credit Investigation (Hard Skills)
  • Risk Assessment (Hard Skills)
  • Credit Reporting (Hard Skills)
  • Account Analysis (Hard Skills)

5. Credit Analyst, Maple Leaf Financial, Portland, ME

Job Summary:

  • Continually improve the credit application process by addressing causes of rejection, manual checking, and rework by developing and revising credit decision rules.
  • Analyse performance information to identify trends at individual, store, and sales channel levels.
  • Complete investigations of fraud patterns and trends and recommend corrective actions.
  • Ensure fraud analysis and prevention at mature levels within the credit risk assessment process.
  • Proactively identify, resolve, or escalate issues affecting the customer experience and lead improvement initiatives.
  • Perform manual credit reviews of more complex matters utilizing 3rd Party tools to assess credit information for Consumer and Commercial applicants.
  • Interpret Standard Credit Reports to make a risk-based decision to determine a customer’s ability to pay while adhering to quality and regulatory guidelines.
  • Use initiative to access all available resources and knowledge bases for assistance.
  • Ensure compliance to business process controls for Fraud Analysis and Credit Review.
  • Gather data using standard reporting systems and tools.
  • Understand the importance of compliance to required standards and the consequences of non-compliance.


Skills on Resume: 

  • Process Improvement (Hard Skills)
  • Trend Analysis (Hard Skills)
  • Fraud Investigation (Hard Skills)
  • Issue Resolution (Soft Skills)
  • Credit Review (Hard Skills)
  • Risk Assessment (Hard Skills)
  • Compliance Adherence (Hard Skills)
  • Data Gathering (Hard Skills)

6. Credit Analyst, Lakeside Credit Union, Toledo, OH

Job Summary:

  • Facilitate the initiation and booking of deposit services in the Emerging Markets - MRB.
  • Partner with RMs and other EWB sales Professionals in Treasury Management, Commercial Banking, Private Banking and other segments to acquire, expand and retain targeted client relationships
  • Work with Relationship Managers to produce and maintain presentations for external use with prospects, clients, service providers, and conferences and internal use for presentations to senior management, credit supervision, and regulators
  • Working with Emerging Markets clients in conjunction with RMs, TMS Consultants, and branch staff to put in place optimal operating account structures
  • For Deposit accounts related to credit facilities, work with RMs and Loan Operations to arrange the accounts to facilitate loan transactions
  • Working with the client and BSA and Compliance colleagues to obtain all appropriate documentation to clear prospective customers to open accounts at EWB
  • Provide first-point-of-contact support for Deposit-related and other non-credit matters for Emerging Markets clients. 
  • Act as an expert advisor for the clients and resolve client requests and/or issues independently
  • Provide support to the team’s Relationship Managers and Portfolio Managers to monitor and maintain the Emerging Markets loan portfolio. 
  • Reviewing and processing of loan advances, collecting and tracking the receipt of required financial reporting, the review and spreading of financial statements, updating and maintenance of covenant tracking reports and in some cases, performing due diligence and assisting in the underwriting of credit facilities


Skills on Resume: 

  • Client Acquisition (Soft Skills)
  • Account Management (Hard Skills)
  • Presentation Preparation (Hard Skills)
  • Compliance Coordination (Hard Skills)
  • Issue Resolution (Soft Skills)
  • Portfolio Monitoring (Hard Skills)
  • Financial Analysis (Hard Skills)
  • Due Diligence (Hard Skills)

7. Credit Analyst, Northern Ridge Capital, Boise, ID

Job Summary:

  • Support the Relationship Manager on underwriting and prepare a loan commitment memorandum for approval
  • Assist with due diligence/analysis on new client relationships and opportunity memos
  • Assist in accurately risk-rating loans/credits
  • Evaluate both cash-flow and collateral-based loans/credits
  • Performs all duties of complex routine administrative upkeep of portfolios for the Relationship Manager
  • Understand credit policy and procedures
  • Deal with all areas of the bank and all customer types to meet the needs of clients
  • Maintain databases and results tracking to support Emerging Market’s business to both internal and external constituencies
  • Work with the Relationship Managers and or Managing Director of Emerging Markets to determine the optimal format for presenting complex data/trends for internal meetings or speaking engagements
  • Work with RMs and EWB Marketing to produce appropriate presentations for various audiences of prospects, clients, and service providers


Skills on Resume: 

  • Loan Underwriting (Hard Skills)
  • Due Diligence (Hard Skills)
  • Financial Analysis (Hard Skills)
  • Risk Rating (Hard Skills)
  • Credit Policy (Hard Skills)
  • Sales Skills (Soft Skills)
  • Data Management (Hard Skills)
  • Presentation Development (Hard Skills)

8. Credit Analyst, Riverbank Financial, Wichita, KS

Job Summary:

  • Interact with the origination team to understand the pipeline and structure transactions by a borrower's requests
  • Carry out quantitative and qualitative credit analysis using tailored and standardized in-house built tools as well as lead due diligence of borrowers
  • Ultimately responsible for the financial modeling of transactions, working with analysts to create sensitivity scenarios, and analyzing credit ratios under a variety of different capital structures
  • Lead meetings with borrowers' management teams
  • Help manage the subsequent execution process and timeline until the transaction closes
  • Contribute to building in-house analytical tools and devise ways to continuously improve the underwriting process
  • Negotiate terms with the borrower towards the production of a term sheet
  • Identifies potential credit risks associated with new and existing commercial borrowers through the financial analysis process and works collaboratively with the Commercial Lenders to mitigate these risks.
  • Works collaboratively with commercial lenders to provide an independent analysis of commercial borrowers in the identification and mitigation of potential credit risks through a thorough financial analysis, projecting cash flow and collateral evaluations
  • Provides independent input in the process of risk rating commercial borrowers
  • Responsible for annual review date tracking for commercial customers


Skills on Resume: 

  • Credit Analysis (Hard Skills)
  • Financial Modeling (Hard Skills)
  • Due Diligence (Hard Skills)
  • Stakeholder Management (Soft Skills)
  • Process Improvement (Hard Skills)
  • Negotiation Skills (Soft Skills)
  • Risk Mitigation (Hard Skills)
  • Portfolio Monitoring (Hard Skills)

9. Credit Analyst, Crestline Lending Partners, Tucson, AZ

Job Summary:

  • Distribute reviews to lenders and monitor follow-up needed based on results of the assessment of the third-party loan review vendor
  • Responsible for accurately completing credit analysis with basic levels of complexity
  • Assists in the compilation of various reports for the Loan Committee and the weekly distribution of the Loan Committee packages
  • Perform detailed credit assessment on a portfolio of insurance firms and produce accurate publications to go alongside the credit decisions
  • Interact with various senior stakeholders within Insurance and Reinsurance firms, attending meetings alongside senior colleagues to obtain information to assess credit decisions
  • Continuous surveillance of portfolios to identify key trends
  • Present analysis to committees and participate in other committees to discuss other analysts work
  • Take part in the writing of external presentations and reports to focus on key trends and market issues
  • Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
  • Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.


Skills on Resume: 

  • Credit Analysis (Hard Skills)
  • Report Compilation (Hard Skills)
  • Stakeholder Interaction (Soft Skills)
  • Portfolio Surveillance (Hard Skills)
  • Presentation (Soft Skills)
  • Trend Identification (Hard Skills)
  • Economic Knowledge (Hard Skills)
  • Financial Data Analysis (Hard Skills)

10. Credit Analyst, Pioneer Credit Solutions, Lincoln, NE

Job Summary:

  • Perform regular loan reviews based on risk and/or size of all credit types (commercial, consumer, residential, agricultural, etc)
  • Ensure acceptable credit standards are maintained – confirming lien position perfection, repayment capacity, etc
  • Verify loan, collateral, entity, etc, documents have been obtained
  • Evaluate the compliance with policies and procedures
  • Validate/Assign risk grades appropriate for the risk profile of the relationship
  • Identification of problem loan credits
  • Recommend action plans for issues noted in the review
  • Review the activities of loan officers, ensuring compliance with lending policies and bank regulations, the quality of loan approval, monitoring, and risk grading valuation.
  • Help further the loan review risk assessment program
  • Assist in gathering information requested by examiners/auditors during bank examinations
  • Complete FHLB reviews per the guidance in the MPP
  • Oversee the appraisal ordering process


Skills on Resume: 

  • Loan Review (Hard Skills)
  • Credit Evaluation (Hard Skills)
  • Document Verification (Hard Skills)
  • Compliance Monitoring (Hard Skills)
  • Collateral Assessment (Hard Skills)
  • Risk Grading (Hard Skills)
  • Problem Identification (Soft Skills)
  • Audit Support (Hard Skills)

11. Credit Analyst, Coastal View Bank, Charleston, SC

Job Summary:

  • Complete spreads on business entities and individuals to summarize financial condition, performance, cash flow, trends, projections and risks
  • Complete credit memoranda used in the loan approval process
  • Assist Loan Officers in completing reports used by senior management in the loan monitoring and decision-making process
  • Gather, examine and present information in a concise and meaningful manner and offer thoughts concerning credit-worthiness and loan structure
  • Prepare various forms and reports to request external reports (appraisals, environmental assessments) and address internal issues
  • Contact bank customers to gather information, follow up on required items and monitor credits
  • Play a key role in portfolio strategy and direction relating to new and existing products, policies, and other strategic decisions
  • Drive insights and design, develop and implement strategies for new customer acquisitions
  • Deep dive into trend analysis to understand the impairment and provisioning data and produce insights on the same
  • Actively work with internal teams and identify workflow enhancements to reduce/eliminate manual steps, dependency on people and handoffs
  • Develop key metrics to improve business needs/requirements
  • Defining and implementing a new process workflow.


Skills on Resume: 

  • Financial Analysis (Hard Skills)
  • Credit Memoranda (Hard Skills)
  • Report Preparation (Hard Skills)
  • Information Presentation (Soft Skills)
  • Customer Communication (Soft Skills)
  • Portfolio Strategy (Hard Skills)
  • Trend Analysis (Hard Skills)
  • Process Improvement (Hard Skills)

12. Credit Analyst, Heritage Finance Corporation, Baton Rouge, LA

Job Summary:

  • Support Finance by providing portfolio and product MI to enhance the impairment model 
  • Support the stress testing assumptions process
  • Support the IFRS9 transition
  • Provide portfolio and product to help inform the Director of Credit & Underwriting of the need to propose changes to Policy
  • Work with credit and underwriting in refining the lending parameters of future product lines
  • Review the impacts of new lending products on the portfolio
  • Analysis and regular oversight of any lending product MI produced from external sources of product supplies.
  • Daily management, monitoring and collation of MI from external lending partners.
  • Support specific provisioning decision process (New Product Lending)
  • Review the analysis against economic considerations to provide recommendations to support credit policy and strategic direction
  • Initiate deep dives into the core lending and product portfolios to review specific segments of those portfolios.
  • Identify issues and opportunities through the data by using cutting-edge analytical techniques to explore opportunities and understand performance triggers


Skills on Resume: 

  • Portfolio Analysis (Hard Skills)
  • Stress Testing (Hard Skills)
  • IFRS9 Transition (Hard Skills)
  • Credit Risk Assessment (Hard Skills)
  • Product Impact Review (Hard Skills)
  • Data Analytics (Hard Skills)
  • MI Management (Hard Skills)
  • Provisioning Support (Hard Skills)

13. Credit Analyst, Sunrise Financial Group, Richmond, VA

Job Summary:

  • Spreads financial statements and performs cash flow and collateral analysis of prospective lending commitments.
  • Actively participates in loan portfolio management including covenant monitoring and loan review preparation.
  • Interacts with credit administration, lending personnel, loan servicing, and the appraisal and legal departments regarding credit-related issues.
  • Assist with the analysis and preparation of supplemental data used in management reporting.
  • Assist with administrative functions in Sageworks including management reporting.
  • Keeps informed of changes in economic and/or market conditions that may affect credit risk and develops recommendations for consideration.
  • Completes all required regulatory training within deadlines established including BSA, Bank Security and any other training, within required timeframes and on an annual basis.
  • Effectively manage credit-related support requests at the leadership level within the finance
  • Contribute and participate on global credit calls to help drive global alignment and sharing of best practices in collaboration with GPO as well


Skills on Resume: 

  • Financial Spreading (Hard Skills)
  • Portfolio Management (Hard Skills)
  • Cross-functional Collaboration (Soft Skills)
  • Data Analysis (Hard Skills)
  • Regulatory Compliance (Hard Skills)
  • Self-Management (Soft Skills)
  • Credit Support (Soft Skills)
  • Global Coordination (Soft Skills)

14. Credit Analyst, Valley Trust Credit Union, Salem, OR

Job Summary:

  • Fundamental credit analysis of approved and proposed financial sector names through due diligence, sector and issuer research. 
  • Develop and conduct proprietary analysis, draft compelling written recommendations and present them before the Credit Committee. 
  • Prepare written reports for new initiations, annual credit reviews, sector overviews, and other updates
  • Will eventually act as lead on specific domestic and international financial institution issuers, will vote in the Credit Committee on strategies affecting all sectors, and will draft ad hoc thought leadership reports over time.
  • Ongoing surveillance of financial metrics, market signals and other factors by leveraging internally developed risk management models.
  • Continual cycle surveillance using pre-established markers.
  • Encouraged to recommend enhancements to analytical tools and proprietary products.
  • Interacted with portfolio managers and the Credit Research and Risk Management team to determine appropriate issuers for inclusion in lists, hold codes, and concentration limits.
  • Draft credit market and/or macroeconomic analyses on a weekly, monthly and quarterly basis.
  • Prepare exposure reports used to monitor the firm’s investments.


Skills on Resume: 

  • Credit Analysis (Hard Skills)
  • Due Diligence (Hard Skills)
  • Sector Research (Hard Skills)
  • Report Writing (Hard Skills)
  • Presentation Skills (Soft Skills)
  • Risk Management (Hard Skills)
  • Market Surveillance (Hard Skills)
  • Analytical Enhancement (Hard Skills)

15. Credit Analyst, Goldman Sachs, Salt Lake City, UT

Job Summary:

  • Reviews and analyses corporate and financial data to quantify and estimate the degree of risk associated with the extension of credit to both existing and prospective loan customers of the Bank.
  • Perform the analysis and structuring of ISP credits and corporate transactions (i.e. provides input on issues such as alternative financing solutions, collateral, facilities required and credit limits admissible according to prevailing credit policies, directives and in line with the risk appetite of the bank)
  • Make credit decisions or prepare requests for credit decisions by a higher approval level
  • Provide professional advice and assistance to Relationship Managers for credit-related matters and products
  • Perform limit reviews, assess waiver requests, monitor credit positions under responsibility, identify risk increases in the portfolio and initiate appropriate measures to minimize them
  • Liaise with relevant stakeholders within ISP group such as relationship managers, structuring team, finance/treasury, local management, legal, functional management and other credit risk management teams within the group
  • Perform analysis of a current/forward year base forecast performance expectation and assessment of balance sheet strength, alongside cash flow and profitability vulnerability, via ratio analysis and/or stress testing 
  • Contribute to the development, improvement, and implementation of best practices, guidelines, procedures
  • Assist senior colleagues in providing analytical, research and other professional support
  • Prepares reports which are provided to the Chief Financial Officer and utilized to assist in the preparation of the Bank Call Report.
  • Tracking of lending policy exceptions and participating loan volume on a quarterly basis.
  • Completion of reports that assist in the year-end audit, specific to interest income and non-accrual loans (for tax purposes).
  • Complies with all corporate policies, procedures and federal regulations including BSA/AML and OFAC.


Skills on Resume: 

  • Risk Assessment (Hard Skills)
  • Credit Structuring (Hard Skills)
  • Decision Making (Soft Skills)
  • Portfolio Monitoring (Hard Skills)
  • Stakeholder Liaison (Soft Skills)
  • Financial Analysis (Hard Skills)
  • Practices Development (Hard Skills)
  • Regulatory Compliance (Hard Skills)

16. Credit Analyst, Frontier Capital Advisors, Billings, MT

Job Summary:

  • Create financial historical spreads and Pro-forma cash flows. 
  • Prepares spreadsheets, reports, summaries, and opinions for financial officers on new, renewal and existing loans
  • Verify that loans will meet the required underwriting criteria for a requested loan product
  • Perform credit inquiries and analyze credit reports
  • Analyze loan data on new, renewal and existing loans
  • Assemble loan presentation packages for the loan committee
  • Attend and participate in loan committees
  • Maintain loan committee minutes and submit a monthly report to the Board of Directors
  • Monitor loan policy exceptions and provide data for reporting to the Board of Directors
  • Provide technical advice and assistance to loan officers
  • Provide backup assistance to other loan officers


Skills on Resume: 

  • Financial Spreadsheets (Hard Skills)
  • Pro-Forma Analysis (Hard Skills)
  • Credit Report Analysis (Hard Skills)
  • Loan Data Analysis (Hard Skills)
  • Loan Presentation (Hard Skills)
  • Committee Participation (Soft Skills)
  • Policy Monitoring (Hard Skills)
  • Technical Assistance (Soft Skills)

17. Credit Analyst, Greenfield Financial Services, Dallas, TX

Job Summary: 

  • Maintaining policy and procedures - including SOX compliance
  • As part of the monthly AR closing check, BIE and EITF files are received from the R2R team and provide input on items to be excluded from revenue recognition
  • Analyze delinquent accounts and reports on the highest risk accounts including recommendations and local actions for resolution
  • Monitors and ensures timely communication of credit concerns to the management
  • Review customer accounts regularly to maintain an appropriate level of credit risk
  • Provides analysis and interpretation of the customers’ financial status for proper evaluation of risk and the establishment of proper credit limits
  • Prepares recommendations and makes credit approval decisions on new accounts
  • Reviews and approves large orders on customer risk and creditworthiness and contract/order terms
  • Provides approval at the authority level for credit limit and payment terms requests
  • Evaluate credit hold status and make decisions to place or release a hold
  • Communicate and negotiate with Sales teams regarding credit decisions
  • Ensure the company’s credit policy is accurate and current, making recommendations to adjust the policy on a case-by-case basis
  • Prepare monthly AR ledger reconciliation in Blackline for audit purposes
  • Ensure smooth credit backup structure within the relevant Credit and Collections Team and in the EMEA Credit team
  • Perform special projects, duties and ad-hoc reporting
  • Embody Thermo Values in dealing with internal and external customers


Skills on Resume: 

  • Policy Maintenance (Hard Skills)
  • Delinquency Analysis (Hard Skills)
  • Risk Communication (Soft Skills)
  • Credit Evaluation (Hard Skills)
  • Approval Authority (Hard Skills)
  • Negotiation Skills (Soft Skills)
  • Reconciliation Reporting (Hard Skills)
  • Team Support (Soft Skills)

18. Credit Analyst, Harborview Capital Partners, Jacksonville, FL

Job Summary: 

  • Establish new customer credit limits in support of RHI’s credit Pre-Approval/Major Account (RFP/renewal/amendments) process
  • Evaluate potential increases to credit limit thresholds for existing customers including those listed on the Daily Over Credit Limit Report and the Credit Limit Expiration Report
  • Analyze and interpret financial data including financial statements, to assist in assessing creditworthiness
  • Recommend appropriate credit limits applying formulated financial risk guidelines, and formalize supporting documentation for senior management review/approval
  • Identify and communicate areas of risk promptly
  • Monitor key accounts for financial changes using Dun and Bradstreet (D&B) products and other auxiliary credit risk management tools
  • Monitor market trends, e.g., industry type, to assist with portfolio risk management
  • Update account data accordingly and furnish updated information to internal clients
  • Review and analyze D&B linkage data
  • Research and investigate the accounts in question and present findings
  • Document credit decisions and other communications within PeopleSoft
  • Adhere to RHI Corporate policies and procedures, audit controls, and other regulatory requirements such as Sarbanes Oxley and other state, federal, or national compliance
  • Make recommendations about credit and/or risk management processes to improve department operations
  • Interact with and service the RHI Credit and Collection organization and provide information, guidance, education, and recommendations about potential and existing customer credit issues
  • Support and maintain third-party vendor relationships, including Dun and Bradstreet and other vendor relationships


Skills on Resume: 

  • Credit Limit Setting (Hard Skills)
  • Financial Analysis (Hard Skills)
  • Risk Communication (Soft Skills)
  • Portfolio Monitoring (Hard Skills)
  • Data Management (Hard Skills)
  • Compliance Adherence (Hard Skills)
  • Process Improvement (Hard Skills)
  • Vendor Management (Soft Skills)

19. Credit Analyst, Summit Lending Group, Cleveland, OH

Job Summary: 

  • Deliver receivables management services for entities as per their respective Service Level Agreements
  • Assess new customer credit risk, running portfolio risk
  • Check credit availability and review customer credit data
  • Develop expert-level knowledge of the activities in scope, as well as local knowledge of entities in scope and become a super-user
  • Participate in process automation initiatives and ensure seamless adoption and transition
  • Analyze financial and credit information
  • Maintain master files and process credit adjustments
  • Collaborate with sales and customers to process applications
  • Review customer credit regularly


Skills on Resume: 

  • Receivables Management (Hard Skills)
  • Credit Risk Assessment (Hard Skills)
  • Credit Data Review (Hard Skills)
  • Process Automation (Hard Skills)
  • Financial Analysis (Hard Skills)
  • Data Maintenance (Hard Skills)
  • Customer Collaboration (Soft Skills)
  • Credit Monitoring (Hard Skills)

20. Credit Analyst, Blue Ridge Credit Solutions, Charlotte, NC

Job Summary: 

  • Work directly with the Portfolio Management Team Leader, Portfolio Managers and Relationship Managers of the Sponsor Finance Group
  • In partnership with the Portfolio Manager, assess the creditworthiness of commercial borrowers
  • Identifying risks posed by the borrower’s industry, line of business, financial history and outlook, the economy, and the proposed loan structure, among other factors
  • Review and spread borrower financial statements
  • Complete supportive documents, including cash flow templates and risk rating models, for inclusion in approval and portfolio review packages
  • Create approval and portfolio review documents, including writing a summary analysis
  • Test borrower covenant levels
  • Work in a team environment and provide support, which may include special projects


Skills on Resume: 

  • Credit Assessment (Hard Skills)
  • Risk Identification (Hard Skills)
  • Financial Spreading (Hard Skills)
  • Documentation Preparation (Hard Skills)
  • Summary Analysis (Hard Skills)
  • Covenant Testing (Hard Skills)
  • Team Collaboration (Soft Skills)
  • Project Support (Soft Skills)

21. Credit Analyst, Pinebrook Financial, Columbus, OH

Job Summary: 

  • Coordinates the investigation of credit applications with the offshore team
  • Analyzes completed application files and provides approval proposals to department management
  • Generates reporting tools to monitor customer payment trends
  • Reviews credit accounts for compliance with granted terms and makes recommendations on suspension
  • Acts as liaison between management and internal teams to revoke or suspend credit
  • Analyzes all customer financial data to ensure accurate and timely recommendations for credit renewals
  • Maintains, updates, and publishes AR reports for management
  • Maintain updates and design of the F&A intranet site for internal use


Skills on Resume: 

  • Application Coordination (Hard Skills)
  • Credit Analysis (Hard Skills)
  • Reporting Tools (Hard Skills)
  • Compliance Review (Hard Skills)
  • Liaison Management (Soft Skills)
  • Financial Data Analysis (Hard Skills)
  • AR Reporting (Hard Skills)
  • Intranet Management (Hard Skills)

22. Credit Analyst, Oakwood Credit Management, Nashville, TN

Job Summary: 

  • Support the Relationship Manager in booking new business by preparing competitive credit packages in the assigned business segment on time to meet customer needs
  • Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
  • Lead all aspects of analysis for an assigned portfolio
  • Assess credit risk in compliance with applicable internal and external requirements (e.g., financial controls, segregation of duties, risk policies) to increase profitability and enable business growth
  • Dedicatedly promote products, sales, services and banking capabilities
  • Contribute to business objectives for Operational Excellence
  • Integrate the broader organizational context into advice and solutions within own area
  • Understand the industry, competition and the factors that differentiate the organization
  • Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and collaboration and ensure timely communication of issues/ points of interest
  • Provide thought leadership and industry knowledge for their area of expertise and participate in knowledge transfer within the team and business unit
  • Keep current on emerging trends and developments and grow knowledge of the business, related tools and techniques


Skills on Resume: 

  • Credit Packaging (Hard Skills)
  • Customer Service (Soft Skills)
  • Portfolio Analysis (Hard Skills)
  • Risk Assessment (Hard Skills)
  • Sales Promotion (Soft Skills)
  • Operational Excellence (Hard Skills)
  • Team Collaboration (Soft Skills)
  • Industry Knowledge (Soft Skills)

23. Credit Analyst, Meridian Loan Services, Albuquerque, NM

Job Summary: 

  • Responsible for the timely and accurate assessment of allocated New Business and Variations applications
  • Applications are processed under the ‘Ownership Model’, which requires accountability of file management from allocation to final approval
  • Thoroughly review application information/documentation and obtain a clear understanding of customer needs and loan purpose to ensure customer satisfaction within service levels
  • Professional, clear and concise communication to brokers and customers (and Sales Team) both over the phone and in writing throughout the stages of the assessment process
  • Approvals, declines, and requests for further information
  • Package and submit deals requiring Lenders Mortgage Insurance (LMI)
  • Liaise with Lenders Mortgage Insurance to obtain approval on proposed applications
  • Build and maintain strong relationships with Business Development Managers, Mortgage Specialists, customers and brokers as per the ‘Ownership Model Contact Agreement’
  • Review title searches for all deals before approval
  • Review the completed final approval with all supporting documents, sign and instruct Solicitors to prepare mortgage documents
  • Manage post-settlement clarifications regarding non-maintenance of settled applications
  • Identify improvements to service delivery and efficiency
  • Suggesting changes to credit risk policies, processes and procedures
  • Keep abreast and adhere to Policies, Procedures and Risk Bulletins
  • Adhere to timeframes on Compliance Training and Quality Assurance


Skills on Resume: 

  • Application Assessment (Hard Skills)
  • File Management (Hard Skills)
  • Customer Communication (Soft Skills)
  • LMI Coordination (Hard Skills)
  • Relationship Building (Soft Skills)
  • Title Review (Hard Skills)
  • Process Improvement (Hard Skills)
  • Policy Compliance (Hard Skills)

24. Credit Analyst, Crestline Financial Group, Tulsa, OK

Job Summary: 

  • Analysing market trend data and looking at regional intelligence
  • Analysing trends within spending
  • Reviewing current payment procedures and the credit analysis to streamline the process
  • Identifying key areas of growth and determining areas of deprivation
  • Producing reports for the senior management team
  • Presenting findings and identifying key areas for improvement


Skills on Resume: 

  • Market Analysis (Hard Skills)
  • Trend Analysis (Hard Skills)
  • Process Review (Hard Skills)
  • Growth Identification (Hard Skills)
  • Credit Analysis (Hard Skills)
  • Report Production (Hard Skills)
  • Data Interpretation (Hard Skills)
  • Presentation (Soft Skills)

25. Credit Analyst, Riverbend Lending, Louisville, KY

Job Summary: 

  • Reviews customer financial statements, reports and references to perform complex financial and risk analysis and determine customer credit risk regularly
  • Performs analyses of customer payment histories
  • Obtains and reviews required documentation
  • Evaluate and make decisions regarding additions of new accounts and revisions of credit limits of existing accounts, etc.
  • Interacts with Credit Analysts, Managers and Directors as well as other management, sales and operations associates across multiple functional areas
  • Assists Credit Management with training and fielding associate questions


Skills on Resume: 

  • Financial Review (Hard Skills)
  • Risk Analysis (Hard Skills)
  • Payment Analysis (Hard Skills)
  • Documentation Review (Hard Skills)
  • Credit Decisioning (Hard Skills)
  • Cross-functional Interaction (Soft Skills)
  • Training Support (Soft Skills)
  • Stakeholder Communication (Soft Skills)

26. Credit Analyst, Evergreen Financial Corp, Richmond, VA

Job Summary: 

  • Receive and process ongoing financial monitoring information
  • Analyze credit information for current borrowers and raise concerns with the appropriate Credit personnel
  • Perform a monthly review of investment secured loans to determine loan-to-value ratios within policy guidelines
  • Perform secondary reviews of annual loan reviews to ensure accuracy of information reflected in review documents, in support of the department's internal controls
  • Process borrowing base and covenant compliance certificates
  • Ensuring the accuracy of information presented and appropriate collateral calculations
  • Review, spread and understand personal and business financial statements and tax returns
  • Analyze borrowers' cash flows, balance sheet positions and other industry-specific financial information
  • Produce accurate and timely loan presentations, clearly documenting financial results, repayment sources, collateral, strengths and weaknesses, and risks
  • Maintain current knowledge of and comply with all applicable laws and regulations, policies and procedures
  • Know and comply with all Company policies set forth on the Company's Intranet
  • Review the Associate Handbook and Company Policies annually, as prescribed by Human Capital
  • Complete and Comply with the Companies Code of Ethics and Conflict of Interest Questionnaire and Policy Acknowledgement
  • Complete all assigned training on time


Skills on Resume: 

  • Financial Monitoring (Hard Skills)
  • Credit Analysis (Hard Skills)
  • Loan Review (Hard Skills)
  • Compliance Management (Hard Skills)
  • Financial Spreading (Hard Skills)
  • Cash Flow Analysis (Hard Skills)
  • Loan Presentation (Hard Skills)
  • Policy Adherence (Hard Skills)

27. Credit Analyst, Keystone Credit Partners, Pittsburgh, PA

Job Summary: 

  • Using credit skills to underwrite and evaluate corporate debt investments, with a focus on middle market lending across all industries
  • Preparing concise approval documents through reviewing investment memos, industry research, financial statements and financial modeling
  • Attending weekly asset review meetings and presenting asset-level recommendations to senior management
  • Ongoing monitoring of collateral performance and portfolio health
  • Interacting with clients who originate and invest in corporate credit
  • Diligencing prospective clients which includes an independent assessment and recommendation on a potential client’s underwriting process and credit quality
  • Helping to build out internal infrastructure that supports the business including collateral-level monitoring and data validation to ensure underlying asset-level data is accurate


Skills on Resume: 

  • Credit Underwriting (Hard Skills)
  • Document Preparation (Hard Skills)
  • Presentation Skills (Soft Skills)
  • Portfolio Monitoring (Hard Skills)
  • Client Interaction (Soft Skills)
  • Due Diligence (Hard Skills)
  • Data Validation (Hard Skills)
  • Infrastructure Development (Hard Skills)

28. Credit Analyst, Twin Lakes Finance, Des Moines, IA

Job Summary: 

  • Prepare Term Loan Reviews on portfolio accounts and assist with underwriting credit requests
  • Prepare routine and customized department reports, including quarterly Board reporting
  • Maintain various department logs for portfolio maintenance
  • Monitor and coordinate loan funding and distribute funding memos
  • Review Credit Agreements for covenant and tickler items and coordinate completion of tickler items in the On-Track system
  • Complete quarterly compliance check reports
  • Complete OFAC, flood, and beneficial ownership due diligence 
  • Coordinate with loan servicing for loan fundings and required documents
  • Follow up on any post-closing items, quarterly compliance documentation and continuously update the file 
  • Assist with Excel cash flow scenarios on assigned loans


Skills on Resume: 

  • Loan Review (Hard Skills)
  • Credit Underwriting (Hard Skills)
  • Report Preparation (Hard Skills)
  • Portfolio Maintenance (Hard Skills)
  • Compliance Monitoring (Hard Skills)
  • Due Diligence (Hard Skills)
  • Coordination Skills (Soft Skills)
  • Cash Flow Analysis (Hard Skills)

29. Credit Analyst, Silvergate Capital, Madison, WI

Job Summary: 

  • Prepare credit analysis including review/analysis of real estate specific and market information and financial statements for commercial borrowers, guarantors and prospects
  • Real estate and market-specific analysis will include review, analysis and summary of leases, appraisals, construction budgets, proformas, etc.
  • Analysis and presentation of borrower and guarantor balance sheets, income statements, tax returns, global real estate schedules, cash flows, financial ratios, trends and debt repayment capacity
  • Adapt or create analytical tools to best suit the specific project/borrower and exercise sound judgement in determining appropriate depth and sources of analysis including conducting additional due diligence
  • Exercise discretion and utilize their judgment and experience in determining the best approach to performing and presenting complex analysis in an effective, concise, and thorough manner
  • Participate in approval conversations with management and credit partners to justify and explain information in the analysis
  • Analyze and prepare credit approval documentation in First Tennessee's approval system
  • Responsible not only for accurate calculations and inputs but also for thoughtful implementation of ProCRE policies, procedures, guidelines and conventions
  • Responsible for working with Portfolio Managers to monitor and manage the assigned commercial real estate loan portfolio
  • Tracking covenants, recording financial statements, and monitoring company performance against expectations
  • Works with the Portfolio Managers and Client Specialists to ensure systems of record are accurate for the loan portfolio
  • Ensures that management information is reported timely and accurate manner
  • Obtains satisfactory loan reviews and ensures that regular reviews of borrowers and real estate projects are performed
  • Participates in internal credit conversations with PMs, RM’s, Credit Risk Managers and senior management and external meetings with clients and prospects
  • Participates in special projects and assignments


Skills on Resume: 

  • Credit Analysis (Hard Skills)
  • Real Estate (Hard Skills)
  • Financial Review (Hard Skills)
  • Tool Development (Hard Skills)
  • Judgment Discretion (Soft Skills)
  • Approval Facilitation (Soft Skills)
  • Portfolio Monitoring (Hard Skills)
  • Covenant Tracking (Hard Skills)

30. Credit Analyst, Canyon Ridge Financial, Omaha, NE

Job Summary: 

  • Analyzes and articulates transaction risk and recommends loans for approval
  • Assesses cash flows, total project cost analysis, collateral value, absorption analysis, and discounted cash flow analysis
  • Analyzes borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources
  • Identifies and summarizes risks related to third-party reports and collateral valuations
  • Evaluates preliminary title reports and various documents affecting the Bank’s collateral lien rights
  • Prepares the formal written credit authorization, ensuring complete and accurate information, industry trends, and compliance with current legal requirements within required timeframes
  • Maintains close communication with Loan Center, lending officers, and clients to ensure the timeliness of the renewal and new loan funding process
  • Possesses comprehensive knowledge of all deposit, cash management, and commercial loan products of the Bank as well as current knowledge of bank regulations and statutes
  • Supports the Community Reinvestment Act (CRA) through business development efforts
  • Actively participates in community organizations
  • Maintains a current knowledge of bank regulations
  • Ensures compliance with all Federal, State and Bank policies, procedures, and regulations


Skills on Resume: 

  • Risk Analysis (Hard Skills)
  • Cash Flow (Hard Skills)
  • Financial Statements (Hard Skills)
  • Collateral Evaluation (Hard Skills)
  • Credit Authorization (Hard Skills)
  • Client Communication (Soft Skills)
  • Regulatory Knowledge (Hard Skills)
  • Compliance Enforcement (Hard Skills)