12 December 2018
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Credit Analyst CV template

Maxine Curry
Dayjob Limited
The Big Peg
120 Vyse Street
Birmingham B18 6NF
England
T: 0044 121 638 0026
E: info@dayjob.com


PERSONAL SUMMARY

A focused Credit Analyst who is able to accurately gather information about clients, read financial briefings and interpret complicated accounts. Maxine is an effective, proactive communicator and inspirational, collaborative team member who can ensure that deadlines are met through effective time management. She is able to provide reasoned, informed and balanced credit decisions and provide expert guidance on credit risks linked with large-scale corporate lending schemes. On a personal level she is passionate about what she does and about delivering an outstanding level of customer service to both work colleagues and clients. At the moment she works in a team based collaborative environment where she produces monthly and quarterly reports to document loan portfolio performance. Right now, she would like to join a company that can offer her real career advancement and progression opportunities in the future.


CAREER HISTORY

CREDIT ANALYST - Start Date - Present
Employers name - Location 
Responsible for determining the credit worthiness of people and companies applying for loans.

Duties;

  • Reviewing consumer credit data received from Credit Reference Agencies to assess their financial situation.
  • Regularly monitoring the flow of invoices, credit notes and statements to expedite their prompt payment. 
  • Analysing and interpreting credit applications and verifying them for data consistency. 
  • Assessing a loan applicant's credit worthiness.
  • Reading financial statements, annual reports, management accounts and profit and loss figures. 
  • Ensuring that all financial risks are identified in advance.
  • Making credit recommendations and decisions based on information. 
  • Participating in the decision making process of the credit department. 
  • Reporting on and escalating bad debtors as appropriate.
  • Make recommendations based on these insights 
  • Providing support to colleagues in all areas of the credit department.
  • Dealing will all credit analysis and control correspondence.
  • Analysing a customers payment history.
  • Completing loan application forms. 


JOB TITLE - Start Date - End Date
Employers name - Location

JOB TITLE - Start Date - End Date
Employers name - Location


KEY SKILLS AND COMPETENCIES

Professional 

  • Creating mathematical and statistical models that can forecast credit risks in a variety of situations. 
  • Ensuring compliance with all statutory and regulatory requirements.
  • Ability to lead discussions to a conclusion.
  • Strong decision making skills,
  • Thorough with a high level of accuracy
  • Possess a great understanding of accounting and financial principles.
  • Good verbal and written communication skills.
  • Can work well to deadlines.
  • Proficient in the use of Microsoft Office Suite.
  • Upholding the confidentiality and privacy of information and findings at all times.


Personal

  • Superb teamworking skills.
  • Willing to work from different offices or locations.
  • Never letting a workload get to me.
  • Focused on getting results that matter, and not being side-lined by trivial matters. 
  • Loyal and committed to the company I work for. 
  • Answering tough questions.


AREAS OF EXPERTISE

Credit research 
Credit rating
Lending proposals
Risk analysis
Investment management
Financial modelling
Credit underwriting


ACADEMIC QUALIFICATIONS 

University name  -  Degree details               Study Dates
College name      -  Qualifications                Study Dates
School name       -  Subjects / Grades          Study Dates


REFERENCES 

Available on request.
 


 

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