Credit Analyst Resume

Many of us require personal or professional credit at some or the other time. We apply for the same to the banks or financial organizations. However, the approval or rejection of this highly depends on the credit worthiness of one. A Credit Analyst is thus, a person who analyzes the credit request applications to determine the level of risks or ease associated with the said application. Being a Credit Analyst, one can either work with bank or financial institutions or one can also work with credit rating agencies. Any credit request application cannot be processed further without studying the report from a credit rating agency like Equifax or Experian. These agencies study the financial standing of an individual, and draft a report, the summary of which is termed as credit score. With the help of this credit score , the financial lending organizations can make decisions pertaining to approval or disapproval of loan application. To apply for the said position, one can make use of a the credit analyst resume sample given below.

Career Objective:

Having worked as a Credit Analyst for a tenure of 5 years, am looking forward to working as a Credit Advisor and Analyst with some of the leading credit firms of Maryland. I wish to work as an advisor, and go above mere analysis of details.

Career Summary:

With a total work experience of 5 years in the field of credit analysis, I am presently working with ABC Credit Firms, wherein I am responsible for analyzing credit applications, and helping seniors take appropriate decisions pertaining to approval or disapproval of the same. I also, assist in decision making and help Credit Advisors. Prior to working with ABC Credit Firms, I worked as a Junior Analyst with KEYS Credit Solutions.

Summary of Skills:

• Thorough with credit application analysis, studying credit reports, credit scores, etc.
• Expertise in handling credit request applications and getting the required data from credit rating firms
• Well acquainted with documentation procedures and requirements
• Expertise in using various analytical and statistical tools
• Excellent coordination and communication skills
• Expertise in maintaining records and reports of credit applicants using MS Excel

Professional Experience:

Current Employer: ABC Credit Firms, Waldorf, MD (2009-till date)
Designation: Credit Analyst
Roles and Responsibilities:

• Report to the Sr. Credit Manager
• Study the credit applications submitted in the office
• Get required data pertaining to credit score and other required information
• Review the credit applications using the credit score, bank details, debtors details, etc., do a thorough analysis, and draft a report putting forth the credibility of the applicant. Pass on the report to the Sr. Manager, who then takes the final decision on approval or disapproval of the application.
• Maintain rapport with the credit rating agency officials, collection officers, etc., so as to get the required information with ease
• Assist the manager in taking decisions regarding approval of applications by communicating with the applicant about his/her repayment plans, security, etc.

Previous Work Experiences:

A] KEYS Credit Solutions, Waldorf, MD (2006-2009)
Designation: Junior Credit Analyst
Roles and Responsibilities:

• Report to the Sr. Analyst
• Collect documents and applications for credit applicants and study the same further
• Collect data pertaining to credit scores of the applicant
• Thoroughly review the credit report, credit score, bank details, and credit card details of the applicant
• Explain clients about the various types of credit provided to the clients and requirements for qualifying for the same

Qualifications:

• Pursuing a Diploma in Business Analyst From St. John's Distance Learning University, Waldorf, Maryland
• Bachelors of Financial Accounting, Waldorf University, Waldorf, Maryland - 2006

Computer Skills:

• Expertise in MS Office and excellence in using MS Excel for analysis, data management, calculations, etc.
• Proficiency in working on Windows, Linux and Unix

Flexibility:

Looking for suitable opportunities only in Maryland

References:

Available on prior request

Hobbies and Interests:

Sketching, Adventure Sports, and Share Trading

Signature:

Kelsey D. Bakers

The credit analyst resume sample, thus systematically and skillfully puts forth the candidature of the candidate applying for the said post. It should put forth the candidate's skills pertaining to financial and credit analysis, such that the employer could rely upon the same to make important financial decisions of the organization.