123 Elm Street, Bennington, VT, 05201, H:802.555.5555,
Analytical credit expert with nearly seven years of experience
in financial services industry. Skilled verbal and written
communicator who negotiates relationship-building business
agreements with win-win scenarios. Extremely adept at
quantitative analysis and client relations. Proven ability to
provide cost-saving evaluations by applying detail-oriented
mind-set. Known for supervising simultaneous projects in
high-pressure environments with professionalism and poise.
Proficient in adapting to new procedures as business climate
changes. Core competencies include:
Risk Analysis, Credit Evaluation, Customer Service, Logistical
Planning, Banking, Asset-Based Lending, Reasoning, Exit
Strategy, Researching, Client Relations, Training, Workout
Situations, Billing and Collections, Loan Servicing
CREDIT ANALYST, ABC LLC Bennington, VT, 20XX
Accurately and efficiently evaluated credit
applications for asset-based lending and financial services
division. Reported to division's President, interfaced with
senior-level internal / external contacts, and organized
customer service requests regarding ABC's asset-based lending
products / services. Performed accounts receivable tasks such as
posting and reconciling cash receipts, handling client billing,
and printing and distributing weekly financial reports. Resolved
short-paid and past due invoices with clients and account
debtors. Registered and updated client information in ABC
database systems. Researched industry sectors concerning ABC
clients and account debtors. Reviewed clients and account
debtors for creditworthiness. Investigated clients for financial
Increased revenue from $7 million
(20xx) to $19 million (20xx) by determining credit limits
for existing / new clients.
Ensured that at least 82% of invoices
were paid in less than 60 days while monitoring accounts
receivable balance of more than $50 million. Prevented
write-offs by negotiating successful buyouts and payment
plans with delinquent clients.
Boosted company performance by
recommending Aquent create digital archive of company's loan
contracts and invoices, revise application process, and
develop customized exit strategies for each client. Enhanced
integrity of financial data by devising new procedures for
handling document changes to client records.
Sustained low credit application
processing time while protecting company from higher risk.
Decreased company's risk exposure by creating procedures for
client portfolio review and conducting review every six
CREDIT RISK ANALYST, BCD CORPORATION Bennington, VT, 20XX
Managed a $35 million credit portfolio and 1,400 clients across
the Northeastern United States. Analyzed client credit requests
and establish credit lines. Utilized Moody KMV, NACM, D&B,
Equifax, Experian, direct references, and trade sources for
recommendations in excess of authority. Collaborated closely
with clients to acquire necessary collateral; mitigated risk by
using Ingram Micro end-user finance alternatives in the event of
an insupportable request. Worked closely with a team of credit
operation associates to address any credit resolutions within
the portfolio. Liaised between client, sales, financial
alternative, legal, and customer service organizations to ensure
success. Traveled to client sites to cultivate relationships and
maximize additional opportunities.
Retained a compliance level at or
Met or exceeded all of the
organization's expectations and metrics for CR-increase
requests and bad debt.
Realized an approval rate of 78% and
accomplished 64 reviews.
Extended $7.7 million in credit with
bad debt of just 3%.
Acquired all necessary collateral in
critical areas of accounts.
Bachelor of Arts,
Economics / Legal Studies, Brandis University - Waltham, MA
Licensure and Professional Training includes:
Series of 6 and 63 Licences; CFA Loan Documentation Program; IFA
Underwriting and Credit Analysis Program; IFA Exit Strategy
Technical Skills include:
MS Dynamics Accounting Systems, Office, Word, Excel, and Access;
FileMaker Pro; Oracle Financial Management Applications;
QuickBooks; Dun & Bradstreet Systems; iLien Online; Experian;