Credit Risk Analyst Resume
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795 Hammond Dr NE, Apt 209
San Diego, CA 92101
(123)-000-1234
a.wagele@emailaddress.com
Job Objective: To obtain a challenging Credit Risk Analyst position in a well reputed organization.
Highlights of Qualifications:
Familiar with commercial and consumer loan process
Financial analysis, knowledge of hedge fund operations and products
A great deal of experience with respect to data analysis, advanced spreadsheet modeling and forecasting technique
In-depth knowledge of finance, statistics, economics and consumer credit
Proficient with SAS, Excel, Word, and PowerPoint
Remarkable ability to data extraction and analysis skill sets
Strong verbal and written communication skills
Strong analytical and organizational skills
Ability to interact effectively with all levels of bank staff including senior management
Professional Experience:
Credit Risk Analyst, August 2005 - Present
HSBC, San Diego, CA
Prepared, analyzed and distributed various monthly and quarterly Loan Portfolio Reports.
Performed and conducted written analysis outlining key performance indicators and key risk indicators.
Monitored and examined roll rate and performed related analysis.
Performed and conducted supplemental commercial analysis.
Determined and analyzed the Bank's ability to absorb losses through its current and future capital cushion.
Developed and implemented necessary exception reporting in support of Credit and the line in order to manage to better manage credit administration risk posed to the Bank.
Worked effectively with Credit, the line, and Finance and ensured data integrity.
Provided support in the design and implementation of ad hoc requests for Credit-Related Portfolio Data.
Credit Risk Analyst, May 2000 – July 2005
Pacific Life Insurance Company, San Diego, CA
Performed and conducted independent research such as company background checks, comparative industry analysis, trending analysis and demographic data.
Identified potential risk concerns within the Accounts Receivable portfolio and efficiently provided a risk assessment for the monthly Credit Watch report.
Created, reviewed, and modified the Risk Assessment Criteria model predicated upon characteristic changes in the industry and the Accounts Receivable portfolio.
Performed and conducted customer visitations to review credit documents.
Prepared and developed the monthly Credit Watch Report for FIS.
Education:
Bachelor's Degree in Finance, Boston College, Chestnut Hill, MA
Master's Degree in Finance, Arizona State University, Tempe, AZ
