Credit Analyst Resume Samples

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Credit Analyst Resume Samples
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Ethyl Quitzon
utm_source=internal&utm_term=analysis)
728 Nolan Centers , Los Angeles , CA ♦ Phone: +1 (555) 697 4729
EXPERIENCE CREDIT ANALYST

New York, NY
01/2014 – present
Credit Exposure Monitoring: ensure transaction and collateral security remains within approval guidelines;
documentation, covenant and financial compliance of the transaction/ borrower. Is vigilant in maintaining
portfolio of high quality risk via timely borrower and portfolio reviews; identifies potentially deteriorating
risk situations, recommends remediation to ensure safety of bank’s funds
Effectively analyze credit applications utilizing the current Credit Guidelines and Practices & the “Fair
Isaac” credit scoring model to and provide a complete assessment of the applicant's credit risk. Make
recommendations, & credit decisions within their approved credit authority. Maintain average to above
average buying standards (quality & volume)
Performing transactional analysis and pro-actively engage to mitigate risks in the transaction
Supporting the corporate credit manager
Working knowledge of financial statements and financial statement analysis
Developing metrics for management
Prepaqre financial, collateral, historical, performa and sensativity analysis and presents in proper format
current financial information, including comparative spreadsheets for operating companies, economic
analysis for commercial real estate projects; analysis of personal tax returns; cash flow analysis, etc. in
order to assess the financial condition of new and/or existing customers
CREDIT ANALYST
Boston, MA
05/2007 – 07/2013
Negotiating financial transactions and prepares transactions for documentation within limits of credit
authority. Assisting in negotiating financial and in preparing transactions for documentation for
transactions in excess of credit authority. Assisting in administration of wholesale and retail customer
"loan" covenant compliance reviews, including on-site record and physical machine/inventory audits
Negotiates financial transactions and prepares transactions for documentation within limits of credit
authority. Assists in negotiating financial and in preparing transactions for documentation for transactions
in excess of credit authority. Assists in administration of wholesale and retail customer "loan" covenant
compliance reviews, including on-site record and physical machine/inventory audits
Training and Development
Conduct financial analysis of transaction opportunities: analyze financial statements & other personal and
credit data to determine the credit worthiness of applicants, interview customer, review industry data, third
party reports (appraisal report, environmental and property condition assessment), product type, customer
base and macro-economic climate
Responsible for mastering the details of a specific industry or industries eligible for direct financing or
participation with other lenders. Duties include data assembly and presentation in verbal or written format
that disseminates knowledge within the company. Expertise is essential for the successful business
development in a team approach with other staff (ABF, retail/relationship lenders, and appraisers). May
participate as a part of a sales call, or in an event to promote Association’s image as an industry expert
including serving as a spokesperson for the Association on industry(ies), and lead industry research and
serve as an internal resource for other ABF, Regional and Credit Underwriting team members.
Providing input to other functional areas in the use of capabilities to maximize ROI and credit worthiness
of portfolio
Working knowledge in various inventory finance programs and agreements
EDUCATION UNIVERSITY OF OREGON

Bachelor’s Degree in Finance
SKILLS The ideal candidate will have strong quantitative skills; good interpersonal skills; good written and
communication skills; and be able to learn quickly
Excellent ability to analyze credits, as well as a detailed knowledge of lending structure and sources and
uses of cash
Strong knowledge of MS Excel, good knowledge of MS Word and SAP
The ability to understand the part they play in building a strong CCB culture that enables our teams to
deliver remarkable experiences to our clients
Strong knowledge and ability to analyze financial statements, tax returns and cash flow
Excellent PC skills along with a good knowledge of MS Excel and MS Word
Good knowledge of Ms Office skills (Microsoft Word, Excel) to be able to master proprietary software
Able to quickly learn new systems and technology. Knowledge and/or expertise in related area of
responsibility
Ability to write credit reports and business correspondence. Ability to effectively present information and
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respond to questions professionally
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Candidate will pay strong attention to detail, with the ability to recognize reporting and processing errors

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1 Credit Analyst
Resume Examples & Samples
 Effective communication skills both written and verbal

 Previous customer service, banking and/or call centre experience preferred
 Ability to analyze multiple sources of information to determine best course of
action
 Demonstrated problem solving and analytical skills, ability to make swift, sound
decisions
 Strong computer skills; proficiency in a Windows based environment

 Strong listening skills with the ability to probe for additional details
 Demonstrated persuasion skills
 Must be very willing to work in an environment that requires heavy phone-
based customer interaction
 Must be flexible to work a variety of shifts

 Must be able to work full-time work week (40 hours per week), including
holidays and weekends
 We thank all applicants for their interest in this position, however only
successful candidates selected for an interview will be contacted***
2 Credit Analyst
 Using SAS, develop statistical analysis, strategy, and reporting for usage in the
management of: underwriting, line assignment, existing customer
management, marketing campaigns, and collections
 Develop business logic, pricing strategies, business forecasts, while optimizing

profitability
 Utilize database management, reporting, and analysis software to store,

organize, and manipulate data from reporting and production databases
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 Utilize advanced statistical software to develop analysis, strategies, forecasting,
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and reporting capabilities
Present findings
 Professional and make recommendations to Risk Management team
Resume Templates
3 Credit Analyst
 Develops and maintains an active research opinion on assigned fixed income

sectors consistent with the firm’s research process
 Lead thought by accurately identifying investment opportunities and risks

within assigned research sectors, issuers and issues
 Supports the firm’s portfolio investment process via effectively advocating the
research opinion into the portfolio management teams
 Work under limited supervision to analyze and solve complex financial and
portfolio related analytical work
 Remain conversant on GAM US’s fixed income research outlook and assigned
mandate strategies
 Effectively communicate with a variety of audiences, tailoring communication

style accordingly
 Bachelor’s degree in finance, business or related field

 Commitment to become a CFA Charterholder
 3+ years investment-related experience
 Working knowledge of financial markets, economic concepts and interest rates
 Strong interpersonal, oral, written and presentation skills
 Excellent technical skills – Excel, Access, Bloomberg, etc. Must have the ability
to learn and apply new software programs
 Proficient in performing and understanding typical investment-related

calculations and proficiency in statistics
 Demonstrated ability to use logic in developing a wide range of intellectual and

practical solutions related to portfolio management
 Strong time management and organizational skills with the ability to handle
multiple projects on an ongoing basis in a fast paced ever changing work
environment
 Strong ability to interact with all levels of staff. Must be able to maintain
relationships that will relate to the overall success of the established firm goals
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 Ability to work independently and with a strong attention to detail
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4 Credit Analyst
 Bachelors Degree in Finance, Accounting, Economics, or Real Estate, plus 2-5

years of experience in real estate lending or equivalent is preferred
 1-5 years of financial analysis / commercial real estate credit experience, or

fundamental knowledge of debt financing, collateral and valuation concepts
 Previous commercial real estate or commercial banking experience is preferred

 Proficient in MS Word, Excel, and Outlook
5 Credit Analyst
 5 years experience in banking, financial institutions or accounting

 Citi Credit Officer with a credit initial of $5MM
 Word and Excel
 Business/finance degree or equivalent
 Post graduate qualification
6 Credit Analyst
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 1-3 years experience in commercial credit analysis
ProficientResume
 Professional in financial analysis
Templates
 Experience communicating customer’s financial performance and providing risk
conclusions
 Knowledge of Letters of Credit and other security instruments

 Training in financial/credit analysis is desired
 Understanding of bankruptcy law is desired
 Bachelor’s degree in Business, Finance, Economics, Accounting or a non-
business 4-year degree in combination with an MBA
7 Credit Analyst
 Own the day-to-day processing of financial information for a number of large

corporate customers
 Act as liaison for review of customers financials with RDs, RSMs, Credit and
other relevant stakeholders
 Use Zeus to analyse historic and projected financial information to identify key
issues and monitor compliance with covenants and terms prior to discussing
with Relationship Director
 Responsible for ensuring Regulatory and Internal procedures are followed for
Monitoring and Control criteria
 Responsible for collating and managing customer produced financial

information and input on Zeus or co-ordinate input by Remote Input Area
 Use knowledge of monitoring and control procedures to make

recommendations to RD on protecting the Group from losses and managing
high value facility risk
 Take ownership of urgent credit related matters such as reporting late

management information and breaches
 CA/CFA/FRM or Post-graduate or MBA

 Strong financial statements analysis skills
 Prior experience in analysing management information, unaudited and audited
accounts
 Ability to take complete ownership of work and work with minimum supervision
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 Aptitude to work in a dynamic business environment, periodically requiring
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tight deadlines and aggressive turn-around time
Flexible with
 Professional working
Resume in shifts
Templates
8 Credit Analyst
 Excellent oral communications skills (grammar, positive tone, active listening,

etiquette, empathy, confidence)
 Excellent written skills (spelling, logical thought processes and sentence

construction, appropriate word choice)
 Extremely customer-focused; positive, professional attitude

 Intelligent, self-motivated, quick learner and detail oriented
 Strong PC and internet skills
 Very good organization and work prioritization skills
 Prior Judgmental Lending experience preferred
 Knowledge of TSYS preferred
 Knowledge of Microsoft Office applications preferred
 College level education preferred
9 Credit Analyst
 Implement the credit risk control framework (principles, policies, processes and
authorities)
 Review, approve requests or make recommendations to the authority holder

 Exercise judgment and escalate decisions to higher authority levels, as needed
 Participate in portfolio reviews to identify risk developments and/or
concentrations
 Ensure all regulatory requests, audit items and operational risk issues are dealt
within a disciplined, timely and efficient manner
 Preferably some prior experience in a risk function

 Good communication skills and ability to explain any credit decisions
/conditions to the Origination units in an understandable and respectful manner
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(the ability to communicate in Cantonese or Mandarin will be a distinct
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advantage)
Efficient,Resume
 Professional accurate and timely delivery within the function
Templates
 Ideally a Degree qualification (preferably in Banking and Finance)
 Ability to work under pressure and independently with minimal supervision
 Strong analytical skills to assess a problem
 Ability to identify issues and escalate to appropriate parties such as legal,
compliance and tax
 Satisfactory product knowledge in foreign exchange, equity derivatives and

structured products
10 Credit Analyst
 1) Evaluate the creditworthiness of Japanese financial institutions and/or

corporations and prepare credit write-ups to recommend internal credit ratings
and credit risk exposure limits
 2) Monitor daily credit events and quarterly financial results of existing clients
 Ability to analyze and think logically
 Japanese language proficiency
 At least intermediate skills in computer spreadsheet calculations
 Commitment and willingness to learn
 Team player; team orientated
 Bachelors Degree and above
 Relevant experience in credit risk management, credit analysis, or research
 Derivative product knowledge such as swaps, options, repo, commodities, etc
 Strong academic record and evidence of commitment to continuing
professional growth, such as MBA,CFA,CPA,etc
 Extended study abroad or working experience in an English-speaking country,

or work experience in a foreign financial institution in Japan
11 Credit Analyst
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 Bachelors Degree - Business, Finance, Real Estate, or Accounting is preferred
1-3 yearsResume
 Professional of financial/credit
Templates analysis and spreading of multifamily and
commercial real estate properties cash flows and operating statements
preferred
 "Can-do" positive attitude, open willingness to learn and adapt to new policies,
procedures and concepts
 Must possess excellent communication skills (verbal & written)

 Ability to work on multiple transactions simultaneously and to meet service
level/turn time deadlines
12 Credit Analyst
 Provision of information on a customer's business via research, using various

sources e.g. trade journals / brokers reports / Internet / Bloomberg and rating
agencies
 Deliver professional advice on risk management matters, industry and product

sets, competitor activity and the timely involvement of external specialists
 Develop highly thought out, top quality credit analysis and solutions, with the
view to obtaining credit approval from Credit Sanctioners/Credit Committees
 Be a point of contact for credit management purposes for customers,

accountants, solicitors and other professionals
 The preparation of credit proposals for recommendation and presentation

directly to the Sanctioner and/or Committee on behalf of the Relationship Point
 Creation/verification of customer grading and severity, ensuring the optimal

use of financial modelling and grading tools
 Responsible for the first class analysis of financial information produced by

customers
 Superb knowledge of the credit analysis process across the Corporate Banking
sphere
 Highly analytical and strong numeracy skills

 Very decisive and ability to reason decisions through
 Strong internal and external networking
 Able to work to tough deadlines in a pressure environment
 Strong initiative, strong intellect, adaptable and innovative - producing a
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practical and pragmatic approach
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 Fully fluent in spoken and written Spanish
13 Credit Analyst
 Bachelors Degree - Business, Finance or Accounting preferred

 Adept at financial analysis
 Tenacious problem-solver; pursues an issue until it is completely resolved to the
satisfaction of the parties
 Can-do attitude, willingness to learn

 Must possess excellent communication skills (verbal & written
 Advanced knowledge of the MS Office Suite with an emphasis on Excel, Access
and PowerPoint
 Ability to multitask in an ever-changing environment
14 Credit Analyst
 Speed and accuracy in data entry

 Ability to communicate clearly and courteously on the telephone
 Ability to work as part of a team and under pressure
 Bilingualism – written and spoken, French and English
 Redit knownledge
15 Credit Analyst
 Act as a subject matter expert in all areas of credit adjudication, policies,

processes and risk management for personal credit and RESL
 Demonstrate strong credit acumen with confidence to decision all deals within
designated limits and within Banks’ risk appetite
 Ensure that the knowledge is kept current in regards to credit policy, products,
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pricing, sales campaigns, and new rollouts
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 Contribute to department SLA by ensuring risk assessment
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takes place
Professional as quickly
Resume Templatesas possible based on complexity of credit and amount of
due diligence required
 Be knowledgeable of and comply with Bank Industry Codes of Conduct

 Acts as a reference point for other team members
 Analyze credit applications through credit bureau assessments and other
factors to make informed decisions
 Achieve operational effectiveness by following credit adjudication guidelines

and processes while meeting Service Level Agreements
 Protect the interests of the Bank by ensuring credit is adjudicated in

accordance with assigned discretionary limits and established guidelines
 Perform required due diligence in support of all credit applications

 Maintain good relationships with partners including responding to questions
and concerns
 Participate in the negotiation and resolution of escalated issues while

maintatining strong collaborative relationships
 Provide technical knowledge and guidance to internal partners and retail

distribution
 Ensure escalations are handled appropriately by utilizing the established

standard operating procedures both internally and externally
 Identify and manage areas of risk and escalate as necessary
16 Credit Analyst
 Knowledge Requirements
 Understand and interpret property operating statements and personal financial
statements of individual sponsors
 Proficiency in MS Office - Excel (financial modeling), Microsoft Word,

PowerPoint
 Identify and elevate issues in a timely manner, formulate and propose effective
solutions
 Any combination of education/and or experience consistent with the above

that would demonstrate the capability to perform the duties of the position
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Credit Analyst
17 Resume Builder
 Own the day-to-day credit relationship for a nominated portfolio of customers
 Act as liaison for risk management information purposes with RSMs,
accountants, solicitors and other relevant people
 Co-ordinate the interface with LB Risk for the nominated portfolio of customers
 Create Zeus credit applications on behalf of RDs (applying judgmental input)
and collate paper attachments
 Occasional customer visits with the RD to discuss lending proposals in detail,

making recommendations as appropriate
 Responsible for collating and managing customer produced financial

information and input on Zeus or co-ordinate input by audited accounts team
 Populate Zeus with annual reports & supplementary credit information for
target accounts. Use expertise and judgement to make recommendations to
the RD regarding credit issues for these customers
 As required, develop and maintain contacts with credit-related specialists in

other branch sectors and other areas of the Group (e.g. for specific industry-
related risk issues)
 Good communication and presentation skills (written and verbal)

 Confidence to make recommendations, using influencing skills as appropriate
(up to RD level)
 A strong customer focus

 A strong commercial awareness
 Quality conscious
 Keyboard skills and strong Word, Excel and PowerPoint user
 Proficient in use of internal computer systems including Customer System,
Zeus, Customer Relationship Management System and any other platform
applications
 High level of analytical and numeracy skills
18 Credit Analyst
 Administering and enforcing company Credit Policies and procedures,

assessing credit worthiness and recommending credit limits
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 Analysis of Financial Data for all customers and providing proactive Risk
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Management/reporting
Maintain Resume
 Professional appropriate documentation and transparency to support basis and
Templates
rationale for customer credit decisions and limits
 Monitor changes in economic, industry, and customer conditions evaluate

potential changes to customer's credit worthiness (risk tolerance)
 Advising and recommending changes to policy and procedure

 Implement best practices and process improvement where appropriate
19 Credit Analyst
 Perform risk sensitivities using cash flow models in Excel, Intex or Bank
proprietary models
 Prepare credit reports in a manner consistent with the Bank's policies and
procedures
 Report portfolio development to the appropriate Risk committees

 Project finance structures,
 Project risks and commercial rationale
 Main industries covered
 Credit analysis skills
20 Credit Analyst
 Strong credit analyst that can come in and work for serveral Commercial
Lenders
 Must have 3+ years of Credit Analysis experience in banking

 Must be a self started, self motivated
 Must pay attention to details
21 Credit Analyst
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 5+ years of experience within the Accounts Receivable Department
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 Experience in Pharmaceutical, Retail, or Surgical Accounts
 Professional
MicrosoftResume
ExcelTemplates
proficient (Pivot Tables and V-lookups)
22 Credit Analyst
 Familiar with loans secured by marketable securities as well as residential

mortgages
 Excellent computer skills, including Microsoft Word and Excel

 3+ years' experience and proven success in area of credit risk analysis focused
on small business lending in a private bank, commercial bank or wealth
management organization
 Able to analyze personal financial statements, cash flow, tax returns and
relevant documentation
23 Credit Analyst
 2+ years of experience in progressively responsible positions within the

Accounts Receivable Department
 High School Diploma plus 2 years of college level course

 Intermediate level Excel skills including pivot tables, downloads, etc
 Knowledge of established Sox procedures and compliance at a publicly traded
company of equal size
 Pharmaceutical or Manufacturing experience

 PeopleSoft ERP system experience
 Able to multitask efficiently and effectively
24 Credit Analyst
 2+ years of experience within an Accounts Receivable Department/Credit &

Collections Department
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 Experience in Pharmaceutical, Retail, or Surgical accounts
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 Ability to work in a call center environment with a highCreate
call volume
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 Professional
Some collegeResumeeducation
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25 Credit Analyst
 2+ year of Credit Analysis experience

 Previous Collections experience
 Good experience reading documents
 PeopleSoft experience
26 Credit Analyst
 BA in finance or related career

 3 years or more experience as credit analyst
 Senior management experience in credit application area
 Experience in credit underwriting for Japanese oriented borrowers is
preferable
27 Credit Analyst
 University degree, ideally with a relevant Accounting, Finance, or Economics

focus
 At least 4-5 years of relevant experience in wholesale banking environment,

with product knowledge and understanding of credit risk developed through
previous role
 Knowledge of regulatory and economic capital would be advantageous

 Numerical, with excellent analytical skills and the ability to connect external
trends with business activity
 Confident communicator, with excellent interpersonal and negotiation skills
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 Strong multitasking ability, with a keen eye for detail
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 Highly motivated, eager to accept new challenges, and able to work under
pressure Resume Templates
Professional
28 Credit Analyst
 Documentation: ensure appropriate documenting of all legal, compliance and

credit risks per guidelines and approvals. Coordinate the preparation and
execution of legal documentation; term sheets, offer letters, and new accounts,
including KYC client profile, as required
 Credit Exposure Monitoring: ensure transaction and collateral security remains

within approval guidelines; documentation, covenant and financial compliance
of the transaction/ borrower. Is vigilant in maintaining portfolio of high quality
risk via timely borrower and portfolio reviews; identifies potentially
deteriorating risk situations, recommends remediation to ensure safety of
bank’s funds
 Collateral Monitoring: responsible for ongoing collateral evaluation; ensure

remediation of shortfalls / close outs
 Client Servicing: coordinate loan draws and roll-overs with Credit Management;
attend and respond to requests from clients/PRMs; and effectively resolve
issues and/or problems; also
 Partnership: maximize partner relationships and refer cross sell opportunities to

appropriate professionals in RBC WM and RBC enterprise
 College/University Degree (or equivalent), preferably in business or finance

 3+ years credit origination and underwriting experience, preferably with HNW
&/or Private Banking clientele
 Client Service, including problem resolution

 Results Oriented by executing goals within timelines & acceptable risk levels
 Good interpersonal, influencing, negotiating & communication (written & oral)
skills
 Prioritize, streamline & simplify work for self & others

 A change adopter, embracing change
 Solid knowledge of RBC credit products, associated legal structures,
documentation, policies, procedures, practices
 Good financial accounting, analysis and credit risk assessment skills
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 Proven new business development and sales effectiveness (i.e. from early
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identification of business opportunities, through closure, onboarding and after-
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 Good knowledge of securities, investments, including margin, insurance and
trust products as well as regulatory, compliance and jurisdictional requirements
for banking and credit including KYC, AML etc
 Fully PC proficient including Microsoft applications WORD, EXCEL, PPT and

proven ability to quickly learn and easily adapt to in-house credit & other
workflow systems
 RBC maintains consistently high credit ratings: S&P: AA-; Moody’s: Aa3; Fitch:
AA; DBRS: AA (as of July 2014)
 RBC employs more than 79,000 full-and part-time employees who serve more
than 16 million personal, business, public sector and institutional clients
through offices in Canada, the U.S. and 44 other countries
29 Credit Analyst
 Candidates should have strong background of financial research or corporate

accounting
 Analyst experience is not necessarily required, but enthusiasm and commitment

to financial analysis is strongly desired
 Familiarity with corporate fixed income and CDS markets and basic
understanding of bond pricing concepts are preferred
 High Excel skills (for financial modelling, forecasting, data analysis and charting)
are necessary
 Natural inclination towards a team-based, collaborative environment. Clear

spoken & written communication skills are required, as the role involves a great
deal of interaction with portfolio managers & fellow investment analysts
30 Credit Analyst
 Minimum 2 years fundamental credit analysis experience

 GE will only employ those who are legally authorized to work in the United
States for this opening. Any offer of employment is conditioned upon the
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successful completion of a background investigation and drug screen
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 Must submit your application for employment throughCreate
www.gecareers.com to
be considered
 Must be willing to travel up to 10%, if applicable
 Knowledge of financial institution credit risk concepts. Master in Business
Administration (MBA)
31 Credit Analyst
 Effectively analyses and models financial data, proactively uses information and
contributes to investment thinking within the department and ensures own best
ideas are represented in the Funds
 Provides general support for the Fund Managers in preparing presentations,

reports etc
 Demonstrable analytical experience, ideally in credit analysis gained through

accounting/trainee accountancy programme or relevant experience in Credit
 Analyst role, financial or investment field

 Attained relevant T&C category exams or exempt due to being
‘grandfathered&#8217
 CFA (Chartered Financial Analyst Qualification) desirable
32 Credit Analyst
 Prepares financial statements spread sheets and independent credit analyses

on the Bank’s existing or potential commercial customers. Performs historical
trend and ratio analysis and properly assesses cash flow, collateral, industry
risks, guarantor strength and all other major risks to the bank in lending to
these customers
 Interacts with commercial lending officers to gather information relative to a

customer being analyzed or to discuss issues with the credit Qualifications
 Minimum of two years of credit analysis experience. Sound knowledge of Bank

loan policy, compliance, and loan operations
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Credit Analyst
33 Resume Builder
 Perform financial analysis on loan applications
 Prepare loans in accordance to all commercial lending policies
 Development of credit memos
 Perform annual reviews of commercial loans
 Provide new risk analysis based on updated financial information
 Assist the Credit Manager with loan tracking
 Validate loans to ensure compliance with covenants
 Order commercial real estate appraisals and environmental reports
34 Credit Analyst
 Contact customers by e-mail, mail, fax, internet or telephone to secure claim

copies, arrange repayment or resolve disputes on deductions
 Contact HBI personnel (to monitor status and type of deductions), to assist on
collection/deduction-related matters
 Use the HBI Trade Promotion System to match claims

 Preparing monthly management reporting and trend analysis on deductions
from customers
 High School diploma required. Associates/Baccalaureate degree in Business

Administration or equivalent experience is preferred
 Excellent interpersonal, organizational, and negotiating skills

 Knowledge of and experience in the tools of deduction resolution and credit
risk management
 Working knowledge of the full Microsoft Office Suite as well as basic PC

desktop operating systems
 Previous management of and responsibility for accounts receivable portfolio

preferred
 Working knowledge of SAP FI/CO and Deduction Management System

preferred
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Credit Analyst
35 Resume Builder
 High School Diploma or GED required
 Minimum 4 years of credit analysis or financial analysis experience required
 Minimum 4 years of experience in a banking or financial services environment
required
 Must be capable of working well independently and in teams

 Good verbal and written communication skills to present clear and precise
recommendations based upon analysis for action on loans and loan treatments
 Represents basic qualifications for the position. To be considered for this

position you must at least meet the basic qualifications
36 Credit Analyst
 Evaluate new credit applications, review and align established customers credit
lines
 Attend customers’ locations (visits) to review financial statements/opportunities

as required
 Communicate recent events and trends impacting performance within the

industries underwritten
 Degree in Finance/ Economics or equivalent

 Proven experience in the leasing/banking industry
 Proven analytical, problem solving, and process oriented skills
 Ability to work in intense, highly time critical environment
 Country / Sector Analysis - high level understanding of economic and political
factors influencing corporate risk
37 Credit Analyst
 Must exhibit a desire to learn about Automotive Financing (including VCI credit
policies, procedures and products), and other aspects of the Automotive
industry
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 Effectively analyze credit applications utilizing the current Credit Guidelines and
Resume
Practices & Builder
the “Fair Isaac” credit scoring model to and provide a complete
Create a Resume of
assessment in Minutes with
the applicant's
Create a Resume in Minutes (/resume-
credit risk. Make recommendations, & credit
decisions within their approved credit authority. Maintain average to above
average buying standards (quality & volume)
 Must thoroughly and logically document credit decisions

 Work under the supervision of the Regional Credit Manager and other Senior
credit staff members in the review of assigned credit applications
 Must respond to all dealership inquiries in a timely and consistent manner

 Effectively deliver the credit decision to dealership personnel
 Demonstrate the able to listen to dealer’s opposing viewpoints with an even
disposition
 Function as a team member in the handling of VCI/AFS/BFS credit applications

(regional)
 Effectively manage a high volume of incoming/outgoing telephone calls while

maintaining Service Center standards for telephone etiquette
 Provide guidance, support, and training for fellow VCI staff members (including
subordinate credit team members)
 Develop/enhance dealer and field staff relationships through personal visits to

their markets' dealer body and interaction with field personal
 Perform spreadsheet and other analysis as required

 Minimum 2+ years credit experience, with emphasis in captive automotives or
banking with auto lending experience
38 Credit Analyst
 Analyze and decision applications for auto loans and leases within established
underwriting guidelines and in compliance with fair lending laws and
regulations
 Flexibly and creatively restructure deals, as necessary and when possible, to

result in well performing credits that are suitable for, and tailored to, the
specific needs and circumstances of the applicants
 Clearly document credit decisions and their rationale; correctly and consistently
notate adverse action reasons
 Devote the time and attention appropriate to each application to most
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efficiently yield high quality credit decisions
Resume Builder
 Verify information essential to a sound credit decisionCreate
withoutaunnecessarily
Create a Resume in Minutes with Resume in Minutes (/resume-
inconveniencing
Professional applicants
Resume Templates
 Mentor and train junior Credit Analysts as required
 Maintain a high level of service by being responsive to inquiries from inside and
outside the organization
 Cultivate strong objective relationships with the Sales/Marketing Team, Sales

Admin Team, Delivery Specialists, Funders and other Tesla team members
 Recommend improvements to the underwriting process with a focus on

innovation, efficiency and effectiveness
39 Credit Analyst
 Very strong financial analysis knowledge (e.g. P&L, cash flow, balance sheet,
micro and macro) and ability to prepare long-term projections
 Good understanding of all corporate banking products (i.e. FX, Derivatives,

Trade, etc') and other services offered by Citibank and its competitors
 Familiarity with the local business market and corporations

 Good knowledge of the local banking environment and regulations
 Excellent knowledge of the Citibank NA, Israel, compliance grid, ICG Risk
Policy, and the industries to which customers belong
 Strong understanding of different types of Risk: Credit, Market, Operational

and Franchise
 Strong analytical thinking

 Good writing and speaking in Hebrew and English
 Multitasking, excellent team player and ability to work in a tight time schedule
environment
 Must be able to pay attention to details, set priorities and work under pressure
 3-4 years of financial analysis/credit experience
 1 year of customer interface (service or sales) experience – Advantage
 BA in either an economics, finance or business related discipline
23 of 140 24-Jan-20, 08:29

Credit Analyst
40 Resume Builder
Resume
Create Examples
a Resume & Samples
in Minutes with Create a Resume in Minutes (/resume-
 Reconcile cash balances between SAP and Bank and provide remittance details
to corporate accounting
 Provide updated account aging reports and payment information to key

members of the internal team on a regular basis, with extreme focus on
accuracy
 Research/Investigate and resolve credit related issues as they arise

 Deliver account statements, invoices and system generated documents to
customers in a timely fashion
 Monitor and maintain customer account credit requirements

 3-5 years of experience in retail or wholesale environment
 Proficiency in Microsoft Office Suite (principally Excel, Word and Outlook)
 Ability to manage and meet key deadlines
 Proven ability to partner across internal business functions and with outside
customers
 Highly focused and detail oriented

 Ability to provide excellent customer service skills to all clients and internal
employees
41 Credit Analyst
24 of 140 24-Jan-20, 08:29

Resume Builder
 University graduate in relevant technical field
MinimumResume
 Professional 5-7 years of experience with Financial Institutions including credit risk
Templates
analysis, business case evaluation and approval process
 Strong understanding of Greater China's macroeconomics and financial system.

In depth knowledge on Chinese Banks is a must
 Solid credit / risk assessment skills

 Strong understanding of banking products (e.g. Trade finance, derivatives etc.)
 Strong written and verbal communications skills in English and Mandarin
required
 Strong interpersonal skills with an ability to interface with clients and business
partners
42 Credit Analyst
 Excellent academics. Bachelor’s Degree is required. Working towards a Master’s

degree and or CFA designation is preferable
 Some work experience in the industry is desirable

 Strong analytical and writing skills; some quantitative skills would be helpful
 Ability to effectively communicate at all levels; good relationship building and
relationship management skills
 Ability to work effectively with constant multiple competing deadlines

 The ideal candidate is creative and innovative
43 Credit Analyst
 Prepares and delivers written and oral credit presentations

 Maintains documentation files and monitors compliance with terms of
loan/accounts
 Prepares spreadsheets, reports, summaries and opinions

 Prepares report evaluations, ensuring compliance with organizational policies
and applicable State, Federal, agency and investor guidelines
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 Federal and State laws
Resume Builder
 Reading, interpreting, analyzing and applying information from credit reports
 Professional
Maintaining Resume Templates
documentation files
 Ensuring compliance with organizational policies and applicable State, Federal,

agency and investor guidelines
 Preparing and delivering oral and written presentations

 Performing due diligence
 Establish and maintain effective working relationships with others
 Bachelor’s Degree (B.A.) in Finance, Accounting, Business or related field with
three (3) years of credit analysis experience
44 Credit Analyst
 4+ years of Commercial Credit experience with a solid Credit Analysis

background
 Bachelor's Degree in Accounting and/or Finance

 Previous Financial Analysis / Statement Preparation experience
45 Credit Analyst
 Analyzes and recommends customer credit limits based upon credit scores
 Ensure all manage risk tasks are accomplished adequate
 Solve customer needs that appear daily
 Fraud knowledge is desirable
 University degree in Business Administration or Finance is a plus
 Good written and verbal English skills
46 Credit Analyst
 Use teamwork to support group and help with smooth functioning of desk
26 of 140 24-Jan-20, 08:29

 An extensive knowledge of the Credit Markets as well as a strong familiarity in
Resume Builder
credit interest rate, and foreign exchange markets
Significant
 Professional experience
Resume Templatesin credit analysis across a range of IG and HY credits,
understanding of dynamic credit scenarios and impacts on various types of
securities
 FCA registration, Series 7 and 63 an asset as well

 Bachelor’s degree and preferably MBA, with strong academic standing
47 Credit Analyst
 3-5 years experience in C&I credit analysis, commercial RE, construction, and
multi-family loan underwriting and loan processing
 Proficiency in Moody's, or equivalent financial software, AFS Level III, Microsoft

Excel, Microsoft Office, and other software programs as needed
 Must have thorough understanding of cash flow, financial ratios, appraisals,

environment reports and real estate trends etc
48 Credit Analyst
 Experience in a Centralized credit environment is an asset Above average

analytical skills
 A strong team player and a sound communicator

 Ability to multi-task and work in a fast paced environment
49 Credit Analyst
 Reviewing and assessing a broad range of complex credit applications

 The ability to manage business pressures and client expectations
 A focus on continuous process improvement and excellence; and
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Credit Analyst
50 Resume Builder
 Appreciation of working in a global environment
 Minimum of 3 years’ experience in the Commercial or Corporate Banking
environment
 Ability to make decisions

 Good verbal and written communications skills
51 Credit Analyst
 Typically requires a Bachelors and 1 year of directly related experience

 Limited use and/or application of basic credit principles, theories, and concepts
 Basic knowledge of financial and spread analysis, and credit/ lending
procedures for various types of loans
 PC skill required
52 Credit Analyst
 Provide preliminary analysis of simple to complex credits, including calculation

of cash flow, debt service coverage, collateral coverage, and guarantor net
worth
 The ideal candidate should have at least 2 to 5 years of experience in a financial

institution with a focus on credit analysis and spreading software
 The ideal candidate should have a Bachelor's degree in Finance, accounting,

and/or business or equivalent experience
53 Credit Analyst
 Provide a written review of the details uncovered while analyzing the financial
statements. This includes providing recommendations and concerns regarding
28 of 140 24-Jan-20, 08:29

the prospective/present customers
Resume Builder
 Maintain high credit quality throughout Great WesternCreate
Bank; a
work with staff at
all locations
Professional to ensure
Resume Templatesa consistent credit culture
 Complete loan review of existing credits working closely with the respective
loan officer to gain a comprehensive view of the customer, including on-site
collateral inspections
 Degree in Business, Finance, Accounting or related field preferred

 3-7 years credit analysis, agri/commercial banking or accounting experience
 Must be detail oriented with strong math skills and customer service skills. 5.
Demonstrate excellent verbal and written communications. 6. Strong PC skills
(MS Word, Excel, Access, PowerPoint applications)
54 Credit Analyst
 Candidate must possess at least a bachelor’s degree (S1) from reputable

university
 Excellent communication skills (English and Bahasa Indonesia)

 Able to conduct anlysis on credit
 Required skills in Microsoft Office
55 Credit Analyst
 Requires a Bachelor's and 1+ years of credit analysis experience, lending/credit

procedures and processes or other directly related experience
 A combination of education and experience may meet requirements

 Basic knowledge of financial and spread analysis and credit/lending procedures
for less complex loans
 Knowledge of and ability to apply commercial credit principles, theories,

concepts, and techniques
56 Credit Analyst
29 of 140 24-Jan-20, 08:29

Resume Builder
 Previous experience in the analysis and adjudication of consumer credit
Direct experience
 Professional in sub-prime financing considered an asset
Resume Templates
 Knowledge of MS Word, Excel, credit decisioning, contract management
and/or loan application software (PowerCurve)
 ??Completion of a post-secondary education (college or university) is preferred
57 Credit Analyst
 Requires a Bachelors degree in Finance or a related field and 4+ years of credit

analysis experience including 1 year working with complex or specialized
credits including helping to define the structure and pricing of the loan and
making projects regarding the long term profitability of the loan
 Extensive knowledge of financial and spread analysis and credit/lending

procedures for very complex loans
 Broad application of commercial credit principles, theories, and concepts in

applicable discipline, plus extensive knowledge of other related fields
 Working knowledge of various types of loans

 Solid communication skills, both verbal and written
 Ability to make sound decisions and recommendation regarding loans
 Strong PC skill required
58 Credit Analyst
 Bachelor's Degree in Finance or Accounting is required or equivalent

 Must have 2 to 4 years related experience
 Customer call experience is required
 Proficiency in MS Word, Excel a must
 Familiarity with e-Credit's financial analysis software is a plus
 Excellent written, verbal communications and presentation skills required
 Strong organizational skills and the ability to work independently with minimal
supervision
30 of 140 24-Jan-20, 08:29

 Must be able to travel as required
Resume Builder
 Familiarity with SAP, BW reporting, and Oracle is strongly preferred
 Professional
Knowledge Resume Templatesand inventory financing a plus
of leasing
 Knowledge of bankruptcy and preference law a plus

 Required work hours are 10:30am to 7:00pm EST
59 Credit Analyst
 Investigate potential or existing corporate borrowers by performing UCC

Searches, Credit Reports, First Research Reports, Internet-based searches, and
any other investigations which are necessary for the review of the credit
 1 – 2 years of Finance or Accounting experience

 Demonstrate excellent verbal and written communications
 Strong PC skills (MS Word, Excel, Access, PowerPoint applications)
60 Credit Analyst
 Provide support on a priority basis for Business Bankers within each region,
which exposes each Analyst to a wide variety of bankers and varying loan
structures throughout the Business Banking portfolio
 Review incoming requests from Portfolio Managers to determine scope of

required financial spreads needed and make decision of appropriate spread
model to be used
 Review and understand various types of incoming customer financial

information, including tax returns, financial statements, proformas, borrowing
base certificates, compliance certificates to ensure all required information has
been received to accurately process the requests
 Associates degree in business, Bachelors Degree or 1-2 years work experience

as a Credit Analyst or related experience
 Understanding of accounting principles and various types of financial

statements and financial covenants
 Ability to make sound transactional decisions to ensure policies and directives

are met
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 Ability to work independently and take ownership of personal performance and
Resume Builder
development
Ability toResume
 Professional make Templates
timely decisions in a fast paced, centralized production
environment
 Strong attention to detail, a high degree of accuracy and consistent adherence

to bank standards
 Ability to utilize multiple PC software applications
61 Credit Analyst
 Understanding of the products/process flow

 Credit and collections experience
 Microsoft Excel proficient (V-lookups, Pivot Tables, etc.)
 Exceptional phone etiquette
62 Credit Analyst
 Collect and analyze credit data

 Use Oracle’s “Credit Management” software to review and process credit
requests
 Ensure that all transactions are processed timely throughout the day
 Build strong working relationships and work closely with operations, sales, and
collections, related to credit decisions
 Understand business environment to allow appropriate credit risk assessment

 Undertake actions to collect on “bad debt” accounts
 Collaborate with legal department to resolve legal issues related to credit or
collection on delinquencies
 Prepare reports and analyses as needed

 Coordinate various projects and initiatives as directed
 Maintain confidentiality of customer information
 Bachelor’s Degree in Accounting or Finance
 Minimum of three years’ credit analysis experience
32 of 140 24-Jan-20, 08:29
 Excellent interpersonal skills, communications, both verbal and written
Resume Builder
 Strong customer service skills and integrity
 Professional
AttentionResume Templates
to detail and adaptable to change
63 Credit Analyst
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Resume Builder
 Managing all Credit initiation processes and ensure a decision is taken for all
applications within the acceptable TAT
 Play key role in handling the credit underwriting for Leverage product
 Prepare monthly analysis to enhance the credit policies used in Bahrain
 Prepare in a timely and accurate manner all MIS for internal & regulatory
reports
 Continuously review the existing processes and propose enhancements to

ensure a faster TAT for application processing
 Monitor activities at TCS and provide feedback on performance

 Ensure that MCA is completed in a timely manner and all controls are tested
independently
 Contribute towards “satisfactory” audits and processes

 Ensure customer queries are resolved in a satisfactory manner
 Ability to work in high growth and pressure scenario with strong and proven
leadership, project and people management skills
 Excellent PC skills along with a good knowledge of MS Excel and MS Word

 Good communication skills and good knowledge of English
 Deep understanding and knowledge of banking products
 Good understanding of legal and regulatory environment
 Efficient, adaptable, innovative, dependable
 Ability to handle pressure/resolve problems and take ownership
 In-depth knowledge of credit policies
 Experience in taking credit decisions
 Knowledge in investment systems and concepts
 Familiar with local regulatory, regional & global policies
 Attention to micro details to maintain effective controls
 Knowledge of statistical
64 Credit Analyst
 Performs credit risk analysis on customers by evaluating the financial

statements, crediting rating, D&B reports, past payment history, bank balance,
34 of 140 24-Jan-20, 08:29

trade reference, bankruptcy records, lawsuit records, liens, and court
Resume Builder
judgments to determine the degree of credit risk involved
Provides Resume
 Professional recommendation
Templates of maximum credit limit dollar amount and term for
each customer applying for credit or being revaluated and prepares
documentation for presentation to Management
 Performs annual/semiannual credit reviews of a particular client class(s) and

presents findings to Credit Management Officer. Scheduling also involves
involvement with earnings calls on Major/Strategic Accounts as they are
presented
 Will be involved in daily assessments of customers whom are either at of close

to their Credit limit and give a recommendation to either increase or retain the
current credit line
 Credit Analyst will need a general understanding of Public School funding in

regards to Budgets, Purchase Orders ETC. as it relates to MHE School Sector
Credit and Limits
 Responsible for financial analysis and underwriting of MHE current and

potential customers for Credit worthiness and limits
 Work with on and offshore team on any credit hold situations pertaining to
credit limits
 Thoroughly analyzes financial statements, cash flow ability, public funding and
budgets etc. of future and existing Customers to identify trends, measure
performance, assess financial strength and develop an assessment of credit risk
 Instrumental in developing department processes and credit standards

 Supports the credit approval function by providing analytical support
 Prepares insightful and timely approval memorandums for presentation to C&C
Management
 Adaptive Leadership - Dealing with Customer's Senior Financial Personnel

 Time Management - Prepare financial reviews simultaneously
 Group Presentations - Financial Assessments
 Innovative - Able to be resourceful
 Credit assessment approvals could be too conservative or liberal
 Ability to raise credit limits on customers without properly assessing all
information as it pertains to history of relationship along with financial
information
 2-4 year’s related experience required

 Developed knowledge of credit and financial analysis techniques and
underwriting
35 of 140 24-Jan-20, 08:29
 Exhibits the ability to gather, consolidate, analyze and summarize financial data
Resume Builder
 Ability to multi-task and meet deadlines
 Professional
Ability toResume Templates
maintain the confidentiality of credit and Customer information
65 Credit Analyst
 Manage and oversee Account Receivables portfolio in APAC

 Perform due diligence on new clients
 Identify accounts with potential credit risks
 Recommend credit and payment terms based on analysis of clients' payment
performance
 Review and check on clients, markets and countries

 Work closely with Legal and Compliance department to resolve potential credit
issues
66 Credit Analyst
 Negotiate terms and conditions for transactions and work with deal teams to
ensure appropriate documentation is in place
 Manage existing commercial accounts, perform rigorous analysis of

transactions, and resolve problem accounts in partnership with deal teams and
specialists
 Prepare risk assessments and present senior management with a clear and
consistent approach to mitigate risks
 Bachelor’s degree (or High School diploma/GED and four years of financial
services experience)
 Prior commercial underwriting experience is desired

 Communication skills: ability to write and speak in a concise and cogent fashion
 Ability to make and deliver presentations to executives and external clients.
cross-functional teamwork: ability to pull together teams comprised of
individuals from multiple functional backgrounds and drive results
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Credit Analyst
67 Resume Builder
 Minimum 3 years of Credit / Risk experience in a commercial lending / leasing /
financial services environment
 Bachelor Degree in Business Administration / Finance, Accounting or Related

Discipline
 High level of flexibility and willingness to take on adhoc projects or similar is

required
 Ability to interact well in a fast-paced multi-cultural environment

 Determination to respond to potentially tight deadlines for deal approval and
closing
 Excellent organizational skills, attention to detail and ability to handle multiple

tasks simultaneously
 Fluency in Swedish/English both spoken and written
68 Credit Analyst
 Analyze corporate bond issuers within select number of industries

 Determine and analyze specific relevant credit issues
 Develop issuer level and broader market relative value assessments
 Produce well researched, concise reports for global investment professionals
 Recommend changes in holdings of assigned credits
 Make due diligence visits and attend industry conferences as appropriate
 Ideal candidates will have at least five years of experience analyzing
fundamental credit quality of corporate bond issuers and industry sectors
 Experience in High Yield credit research is an advantage

 Decision Making Skills
 Communication, Written/Inter-Personal
 Desires Excellence
 Maintains Client Focus
 Motivated, Self-Starter
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Credit Analyst
69 Resume Builder
 Knowledge of the balance sheet and profit and loss account of banks
 Knowledge of bank regulatory rules
 Knowledge of Emerging EMEA countries
 An ability to understand country risk and how it applies to the risk of individual
banks
 An understanding of how macro-prudential issues affect the risks of individual

banks and banking sectors
 Knowledge of insurance companies would be beneficial, but not essential

 Full ability to use Microsoft Excel to build models based on financial statements
or macro-economic data. You must be able to generate charts from this data
 Experience of Bankscope would be helpful

 An ability to independently research subjects, using the internet and other tools
 The instinct to assess data presented to your for accuracy and a willingness to
use your judgement to decide which information is relevant and which is
irrelevant or wrong
 A willingness to get involved in all aspects of our work, from basic to complex
 Written and spoken English strong enough to construct complex arguments in
support of your proposals, without the need for an editorial process
 An ability to manage internal relationships, particularly with front office analysts

and originators
70 Credit Analyst
 Ideally candidates should have 3-5 years of experience in credit risk analysis or
corporate banking
 A good knowledge of accounting and corporate finance, credit and banking

products, risk assessment, and transaction execution is required
 Excellent credit analytical skills, experience with financial modelling and

financial statement analysis
 Very strong computer skills (Excel, Word, PowerPoint)

 Bachelor degree, preferably in Business, Accounting or Finance
38 of 140 24-Jan-20, 08:29

 MBA or CFA qualifications are ideal
Resume Builder
71 Credit Analyst
 Assist Credit Manager in managing substantial transaction volume from various

sources by utilizing other credit personnel and yourself to ensure timely
transaction processing / analysis
 Review and decision credit requests within prescribed limits and, for exposure
levels exceeding authority limits, present requests to appropriate authorities
within KEF
 Work closely with Sales and Vendors to ensure accurate and timely decisions
 Underwrite complex transactions, suggest structuring enhancements, and
ensure that risk ratings are accurately assigned in accordance with KEF and
KeyCorp policies
 Ensure ongoing strong asset quality within various business segments of the
KEF portfolio
 Determine appropriate documentation requirements based on the type of

transaction and participate in basic documentation negotiations
 Coordinate with KeyCorp affiliates for credit underwriting as necessary, on

shared relationships
 Ensure clear open communication and information flow related to required

information and final transaction decisions to and between team members and
other appropriate parties
 Provide the highest quality of service to every customer consistent with KEF
values of teamwork, respect, accountability, integrity and leadership
 Complete special projects and other duties as assigned

 Bachelor's degree in Finance, Accounting, or Economics
 Commercial credit underwriting experience with middle & large ticket
transactions
 Financial statement spreading and analysis, with Moodys Risk Analyst

experience being a 'plus'
 Ability to multi-task and manage many responsibilities

 Ability to manage a wide variety of customer transactions and to support and
justify credit recommendations
 Competent in various computer software programs, especially Microsoft Excel

39 of 140 24-Jan-20, 08:29
and Microsoft Word
Resume Builder
 Decisive and experienced in exercising credit authority with strong leadership
skills
72 Credit Analyst
 Support the commercial bankers in underwriting requests for credit extensions

for new and existing clients, and in the writing of annual reviews
 Perform detailed financial analysis on companies, including trend and ratio

analysis, and interpret the financial information
 Perform Due Diligence with clients’ primary funding agencies to ensure good
standing within industry and stability of contract revenues
 Track compliance with various loan covenants as outlined in the Loan

Agreement, in addition to tracking receipt of Reporting Requirements
 Build a solid understanding of Citi products and services (both within Business
and Commercial Banking and the broader organization), as they pertain to
Middle Market clients
 Support the development of pitch books and marketing proposals

 Assist with various reporting packages, including HMDA and CRA packages for
clients
 Accompany bankers on customer site visits and client calls, and write up Call
Reports, when appropriate
 Perform industry and geographical research and other due diligence as needed
 Assist with credit file maintenance, Basel collateral updates, reporting
requirement maintenance and other administrative matters
 Be familiar with Citibank credit policies and practices and regulatory policies, to
assist unit in achieving compliance with the above and satisfactory ratings from
internal and external auditors
 Recommend changes to process to achieve greater efficiency

 Strong analytical skills including the ability to read and assess company financial
statements, cash flow, industry and competitive analysis and projections
 Demonstrated knowledge of intermediate accounting theory and its practical

application in the credit underwriting process
 Excellent organizational skills, attention to detail, and the ability to complete

assignments in a timely manner
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 Problem recognition and resolution skills
Resume Builder
 Proficient in various spreadsheet and word processingCreate
applications (Excel
Create a Resume in Minutes with a Resume inand
Minutes (/resume-
Word areResume
Professional preferred), including the use of graphs and charts, and CAT’s financial
Templates
analysis software
73 Credit Analyst
 By gathering information of customers, industries, etc., conduct credit analysis

for new and existing customers for Japanese corporate in the Middle East,
North Africa and Central Asia countries
 Initiate/complete the required process for Know Your Customer Exercise on

Anti Money Laundering manuals
 Review related legal documentation

 Comply with various regulations related to banking business
 Japanese language skill and business English communication skill (written and
oral)
 Banking business experience at commercial bank or investment bank or other

equivalent
 Knowledge of banking products and preferably securities business products

 Good consultative skill
 Ability to plan, organize own work, and be aware of risks
74 Credit Analyst
 Prepare credit applications for lending and trade facilities to borrowing

entities/counterparties. Recommend appropriate lending limits based upon an
analysis of operating trends, financial ratios, debt service capacity, liquidity and
overall credit appetite
 Serve as the primary liaison between the Relationship Management team which
has the business relationship with the client, and other groups within the Bank
that deal with the sector. Proactively seek to coordinate response on issues
affecting the sector which may arise from Credit Approval, Credit Operations
and/or Internal Audit teams
 Support the growth objectives of the Relationship Management team to which

41 of 140 24-Jan-20, 08:29
the group is aligned by delivering the credit analysis required to support credit
Resume Builder
risk decisions within service levels set
Take appropriate
 Professional actions when exposures exceed an approved limit
Resume Templates
 Complete other related duties as assigned, including any special projects that
might arise
 Three (3) years minimum of corporate credit analysis

 Knowledge of Microsoft Office applications (Word, Excel, Powerpoint)
 Excellent analytical and written and verbal communication skills
 College degree required, MBA and/or CFA preferred
 Three (3) years minimum of corporate credit analysis,
 Strong computer skills, including Microsoft Excel and Word; quick learner of
data websites and applications
 Demonstrates thorough knowledge and/or a proven record of success in a role

within the professional services industry
75 Credit Analyst
 Gathers information needed to underwrite loan packages by conducting

customer interviews and requesting credit reports and financial statements on
borrowers and guarantors of proposed requests; works to clear any
outstanding exceptions
 Spreads financial statements and conducts comprehensive analyses to

determine the degree of risk involved and profitability of extending credit or
lending money, such as cash flow, trend and industry analysis
 Prepares underwriting packages; communicates results and recommendations

in a written narrative
 Monitors and updates pipeline and other department reports; communicates

with lenders on status of pending requests
 Maintains physical and electronic credit files; retrieves documentation for

audits, exams and assessments
 Working knowledge of lending and credit risk management concepts, practices

and procedures
 1-3 years experience in banking or financial services industry
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Credit Analyst
76 Resume Builder
 Your role will be involved in analyzing the market in which client operates and
positioning client in its market and providing its key competitive advantages,
with particular emphasis on evolution of margins, quality of receivables, cash
balance, dividend policy
 Also, you need to assist in the monitoring of credit process workflow and to
participate positively at the improvement of the credit proposal and its process
by anticipating upcoming credit reviews to ensure files are submitted within the
maturity date or submitted for administrative extension
 It is crucial to support business in monitoring credit portfolio with regard to

ratings, concentration and overall financial risk, reviews of clients and sectors
77 Credit Analyst
 Previous experience with SOX / SOP compliance

 Understanding of the products / process flow
 Microsoft Excel skills (V-lookup, Pivot Tables, etc.)
78 Credit Analyst
 Spread new, renewal and interim financial statements and business and
individual tax returns in accordance with bank guidelines
 At least 1 to 2 years of experience in a financial institution with an

understanding of commercial banking products and accounting knowledge
 Must have skills to analyze business and personal financial statements with
respect to GAAP and Citibank policies
 Proficient in various spreadsheet and word processing applications (Excel and

Word are preferred), including the use of graphs and charts
 Bachelor’s degree in Finance, accounting, and/or business preferred
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Credit Analyst
79 Resume Builder
 Completing counter-party credit reviews and actively collaborating with
businesses to ensure credit limits reflect their needs
 Preparing accurate and rigorous written analysis, presenting and making

recommendations to senior management
 3 + years Credit risk experience and an understanding of risk management

concepts
 Extensive knowledge of financial market fundamentals and the ability to apply

this knowledge to credit reviews
 An ability to read and interpret financial statements

 Persuasive communication skills (both written and verbal), combined with
confidence when being challenged
 A high degree of initiative and achievement drive
80 Credit Analyst
 2-3 years of experience in a B2B credit and collections environment

 Computer skills including ERP experience, Excel, Word and Outlook
 Must demonstrate excellent customer service skills and be able to work
effectively in a team setting
 Must demonstrate strong analytical and financial reasoning skills
81 Credit Analyst
 Minimum 2 year of credit analysis or financial analysis experience required

required
 Must have strong analytical skills – we’re looking for candidates who can think
independently, identify potential risks, and understand what can mitigate those
risks. You must be “fluent” with excel and be able to model problems in an
organized and clear manner. We use excel modeling every day to quantify the
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risks of loans in order to underwrite appropriately. Knowledge of discounted
Resume Builder
cash flow modeling, loan sizing, valuation techniques are a plus
Must have
 Professional strong
Resume communication skills, both written and oral – the Credit
Templates
Analyst role involves a great deal of writing and consequently, the ideal
candidate can articulate a complex issue clearly and succinctly
 Must be organized – the position requires working on multiple projects for

multiple relationship managers simultaneously. Being able to prioritize tasks on
a daily basis is very important, as is the ability to work without constant
supervision. In between working on new transactions, the Credit Analyst will
perform annual credit reviews on key relationships and projects, which provide
the Credit officer with an analysis of project and sponsor performance relative
to expectations
 Should have strong grasp of accounting concepts and familiarity with balance
sheet and income statement analysis
 Should be a strong team player with excellent interpersonal skills. We prefer

someone who can work under pressure to deliver on deadlines and still have a
good attitude
 Should be resourceful – not all information is handed to you on an assignment.

Proactively seeking out additional information through professional networks,
internal bank resources, or the internet, etc. is a regular part of the job
 LI-AD2
82 Credit Analyst
 Meet and where possible exceed SLA agreements

 Be knowledgeable and comply with Bank Codes of Conduct
 Actively participate in the performance management process in support of own
personal and professional development objectives
 Actively participate in regular meetings and coaching sessions

 Participate in unit and national R&R programs
83 Credit Analyst
 Key responsibilities include underwriting new and existing business

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opportunities consistent with established guidelines, reviewing credit and
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security structures related to the sales of business or succession and actively
Create a Resume
managing in Minutes with
a portfolio
of both new and long established client relationships with
regard to credit needs
 Collaborating with Sales and Operations for financial analysis of GE customers

across a variety of industry segments
 Performing business analysis on current and potential clients and make

supported recommendations to the appropriate authority level for both new
and existing clients
 Ensuring the documentation of credit files as outlined in Standard Operating

Procedures
 Interfacing directly with accounts to resolve credit related issues. Maximizing

the prudent expansion of the asset base and minimizing potential losses
 Undergraduate degree in Commerce, Business, Accounting, Finance or

equivalent work experience in commercial finance lending or within the banking
industry
 Strong communication skills and the ability to work effectively and

cooperatively with internal stakeholders and clients which include dealers,
distributors and manufacturers
 Proficiency in understanding and applying the personal property security act

(PPSA) in various jurisdictions as it relates to documentation and perfected
security interests
 Working knowledge in various inventory finance programs and agreements

 Previous experience in commercial banking operations
 Hold a ICF certification
84 Credit Analyst
 Work closely with GBM to capture and document processes and improvements
within the regional operating model
 Be a partner to the business for all project related requests of CAU, and
maintain project logs
 Highlight problems/blockages and take initiative to suggest ideas to change

and improve processes
 Working in a dynamic, pressurized, time-sensitive environment with interaction

with internal stakeholders and demanding / advanced external Stakeholders
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 Excellent organizational skills (must have minimum of 3 years on projects)
Resume Builder
 Effective inter-personal skills and the ability to handleCreate
conflictaand manage
expectations.
Professional ResumeDemonstrate
Templates high energy; be PRO-ACTIVE, extremely positive
and have a ‘driver and achiever’ mentality
 Excellent verbal and written communication skills. This role requires an

individual to demonstrate an “Extrovert” personality type at times, who will
need to be in constant communication with other HSBC units and external
Stakeholders
 Preferred fluency in foreign language, particularly Spanish and Portuguese
85 Credit Analyst
 Provide well developed investment recommendations to assist positioning in

Invesco’s Global Fixed Income portfolios
 Use Invesco’s proprietary investment platform to record and update all

investment views on a timely basis
 Assists in monitoring performance and pro-actively reviews investment

recommendations to produce consistent long-term results
 Interact with clients, brokers and consultants to promote Invesco Fixed Income
products as required
 Examine and monitor legislative, regulatory and economic developments across

industry sectors, assisting the investment decision-making process
 Ensures compliance with all regulatory requirements and laws

 Ensure all activities are in line with TCF outcomes
 Would typically have experience of investment grade credit analysis in
European markets
 A Master’s degree in finance, economics, mathematics or other business-

related field of study preferred
 CFA designation or accountancy qualification preferred

 Effective with clients, brokers and consultants
 Ability to influence and persuade others
 Open minded, flexible, and willing to listen for other peoples’ opinions
 Effective interpersonal skills necessary to work both within the team and
organization-wide
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Credit Analyst
86 Resume Builder
 Business Banking Portfolio Managers
 Business Banking Relationship Managers
 BBCC Deal Set-up Analyst
 Loan Servicing Operations Areas
87 Credit Analyst
 Bachelor or above degree in Finance or Accounting

 Good accounting and financial analysis knowledge, and sound knowledge of
business and corporate practices in the China market
 Ability to work with minimum supervision and meet deadline pressure

 Strong team orientation in order to achieve company goals not directly related
to the normal credit analyst duties
 Competent in managing priorities and work conflicts

 Ability to be innovative
 Fluent English communication skill
88 Credit Analyst
 Experience reviewing financial information or course related work

 Minimum one year commercial credit or related analysis experience preferred
 Working knowledge of personal computers and various software programs
such as Windows Word, Excel and PowerPoint
 Familiarity with other Bank systems such as Risk Analyst, AFS, CSS, CLAS
89 Credit Analyst
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Resume Builder
 3-5 years commercial credit underwriting experience and prior credit approval
authority
 Ability to make sound business judgments while protecting the interests of TCF
Inventory Finance
 Strong PC and technical skills, including experience with Word, Excel, and
Outlook
 Experience with security documentation; UCC’s, Security and Priority

Agreements, etc
90 Credit Analyst
 Pro-actively engaging with the front office to structure solutions which assist its
growth, minimize the bank's expected loss and are in compliance with internal
policies
 Performing transactional analysis and pro-actively engage to mitigate risks in

the transaction
 Justification for the credit extension which sufficiently robust to withstand

regulatory scrutiny
 Essential: The successful candidate will be an experienced credit risk

management professional already working in major commercial or investment
bank. He or she is will have proven experience in credit risk management
including experience in leveraged finance and other sub-investment grade
lending
91 Credit Analyst
 Complete financial spreading (financial spreads for clients at an early

prospecting stage should normally be done by RMs themselves)
 Complete the credit analysis and submits CA package for approval in approved
PDT template (post implementation of lending module on CRM, the CA has to
be originated and initiated in CRM by the RM and all the sections in CRM to be
input by RMs)
 Maintain an in depth knowledge of Citi credit and policies and practices and
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applicable local and US regulations to assist the Business in achieving
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compliance and satisfactory internal and external audit results
Assist RMResume
 Professional in performing
Templates background check on customer with relevant credit
agencies, buyers, suppliers and banks
 Write CCRs for Special Mention names (not SS which has to be with Risk or
IRM) and monitoring triggers and agreed action plans. RMs will have to provide
quarterly inputs for these CCRs by contacting clients to obtain key financial and
other updates
 Assist RM¡¦s with the preparation and presentation of materials for portfolio
reviews (e.g. large exposure reviews) and Red Zone reviews at account level.
CLU will assist by providing obligor level OSUC, ORR and other such data while
the RM will need to write the proposed reasons and remedial action plans for
Red Zones, or in the case of large exposure reviews write the credit outlook
summary and provide inputs on financial forecasts/projections, and any other
key developments since last CA
 Perform MCA testing

 University graduate in Economics, Accounting, Finance or Business Studies and
minimum 6 years as Relationship Manager and/or Credit Analyst in
Commercial/Corporate Banking areas in Foreign Banks or major local banks.
Experience with SME/private enterprises in China is a plus
 Have strong initiative and high level of integrity

 Expect to lead a small team of professionals as business grows
92 Credit Analyst
 Develop investment style and capability in a way that works for HSBC and its
strategy and values. The role requires oversight in the context of the Global
fund (s) and coordination with portfolio managers
 Focused, but not limited to the high yield and investment grade emerging
market corporate credits. The analyst will provide investment research and
relative value analysis on the sectors, including but not limited to energy,
electric utilities, retailing
 Evaluate company fundamentals and industry trends, key operating metrics,

business quality, competitive positioning, and valuation
 Perform detailed financial modeling

 Analyze indentures and other legal regulatory issues related to the credit
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 Bachelor’s degree in Finance or related field
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 Matriculating in a graduate business program or CFA Create a Resume in Minutes (/resume-
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 Professional Resume Templates
Good understanding of capital markets
 Strong understanding of accounting

 Integrated Financial Modeling (training beneficial but not mandatory)
 Attention to detail and works methodically
93 Credit Analyst
 BS degree in accounting or finance or a related discipline

 Knowledge of financial statement analysis
 2-3 years of experience as a Credit/Finance professional
 Demonstrated ability to make sound credit decisions
 Good interpersonal and communication skills with ability to work cross
functionally especially with sales force
 Knowledge of JDE
94 Credit Analyst
 Reviewing and analyzing proposed transactions to identify key risk factors, and
ensure they are well structured, generate appropriate returns and are within
risk appetite
 Due diligence of documentation, to expose any covenants or clauses that may

impact the structure or pricing of a transaction, and recommend appropriate
mitigants
 Annual review of existing counterparty limits and monitoring credit exposures

to ensure compliance with limits
 Portfolio analysis and reporting to senior management

 Qualifications in finance, economics, engineering, or other quantitative
disciplines, and 2+ years of industry experience
 A genuine interest in financial markets and knowledge of current market

activity
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 Ability to build strong relationships with colleagues and clients
Resume Builder
 A high degree of initiative and achievement drive, andCreate
an inquisitive nature
95 Credit Analyst
 4 years at least of valuation, pricing experience of commercial credit of

privately held companies
 Public accounting
 Or commercial lending
 Experience in valuation, discount cash flow, developing and assisting in due
diligence
96 Credit Analyst
 To analyse counterparties, identify and quantify risk drivers in transaction

structures, prepare credit memos, make recommendations and manage
counterparty exposure
 Analyse and prepare credit memos for corporates with the aim to recommend
accurate credit risk ratings and approve exposures
 Analyse credit risks in loans and derivative trades for transaction approval and
counterparty portfolio assessment
 Analyse economic and market events and their impact on the portfolio of
counterparties managed
 Liaise with clients, internal business units on credit approvals, credit

requirements and relationship matters
 Follow up on transaction execution. Ensure loans/trades are properly booked /

recorded / monitored, credit terms are incorporated in termsheets /
confirmations and underlying documentation properly developed
 Manage counterparty limits and credit facilities exposures

 Follow up on timely receipt of financial information from all clients and prepare
credit memos according to firm policy requirements
 Ensure risk reporting systems contain timely and accurate information

 Quality of credit analysis and decisions
52 of 140 24-Jan-20, 08:29
 Proven experience in credit analysis
Resume Builder
 Familiar with financial markets, financing and risk mitigating
Create a Resume in Minutes with Createstructures
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Product knowledge e.g. leveraged loans, swaps, FX, equities
 Familiarity with legal documentation and risk issues, including LMA loan
documentations, ISDAs, CSAs, netting, and credit mitigating features
 Extensive working knowledge of computer applications, particularly Excel,

Powerpoint and Word
 Fluency in English plus one European language would be an advantage

 Independent decision-maker with ability to support conclusions
 Strong oral & written skills, concise report writing
 Team oriented, flexible, diligent, self-motivated
97 Credit Analyst
 Credit approval authority based on experience and performance

 Review and analyze various transactions. Includes review and analysis of
applications, financial statements, balance sheets, D&B reports, etc
 Prepare credit write-ups and Moody’s spreads when appropriate in accordance

with credit policy and procedure
 Complete ratio and trend analysis to determine if a customer is eligible for

financing
 Understand and follow credit policy and procedure and work with other
departments, including Documentation and Sales, to improve understanding
and compliance
 Work with Documentation department on non-standard documents and/or

exceptions to policy
 Work with Sales to monitor delinquency, delinquency trends and repossession

activity
 Perform Annual Reviews on programs and individual transactions as assigned

 Build good relationships with marketing/sales representatives and interact
effectively with a variety of departments
 Bachelor’s degree in Finance, Accounting, Business or related field or

equivalent work experience
 1-3 years credit underwriting experience and prior credit approval authority
53 of 140 24-Jan-20, 08:29

 Detail oriented with the ability to analyze cash flow, leverage and gauge
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customer strength
Ability toResume
 Professional make Templates
sound business judgments while protecting the interests of TCF
Equipment Finance
 Good PC & technical skills

 Previous leasing experience preferred
98 Credit Analyst
 Requires a Bachelor's and 2+ years of credit analysis experience, lending/credit

procedures and processes or other directly related experience
 Working knowledge of financial and spread analysis and credit/lending

procedures for moderately complex loans
 Full use and application of commercial credit principles, theories, concepts, and
techniques
 Solid PC skill required
99 Credit Analyst
 Completes special projects and reviews, as directed, to enhance and improve

the overall analysis of the Bank’s loan portfolio
 Performs other responsibilities and as directed by management

 Bachelor’s degree in in business, accounting or finance required
 Five (5) years credit analysis experience with a mid to large size commercial
banking organization required
 Strong skill set in the use of Microsoft Office Suites

 Experience with Fiserv/ITI software preferred
 Experience with loan applications (i.e. LaserPro, ITI, etc.) preferred
 Thorough u nderstanding of collateral and loan documentation & application of
credit analysis required
 Effective/strong written and verbal communication skills

 Ability to read and interpret general business periodicals, professional journals,
54 of 140 24-Jan-20, 08:29

and governmental regulations
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 Ability to write credit reports and business correspondence.
Create a Resume in Minutes with Create Ability
a Resumeto in Minutes (/resume-
effectively
Professional present
Resume information and respond to questions professionally
Templates
 Proven ability to problem solve, prioritize tasks and meet required deadlines
 Proven ability to work independently and with minimum supervision
 Ability to spread financial reports, analyze information and produce
cost/benefit analysis
 Strong understanding of credit, accounting, and analytical techniques
100 Credit Analyst

 2+ years knowledge of financial statement analysis

 Proficient in MS Office (Word, Excel, PowerPoint)
 Commercial Banking background
101 Credit Analyst

 Review requests for credit and determine risks

 Outbound collection calls
 Resolve client-billing problems and accounts receivable delinquency
 Collect customer payments
 Identify issues attributing to account delinquency
 Review and monitor accounts
 Provide timely follow-up on payment arrangements
 Mail correspondence to customers
 Minimum of five years of corporate collections experience
 Strong communication, problem solving, and analytical skills
 Ability to work independently and adapt to a fast changing environment
 Proficiency in Microsoft Office Excel and Word
 Experience in Microsoft NAV preferred
 Deadline oriented with excellent time management skills
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 Provide strong attention to detail
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102 Credit Analyst
 Approve credit release of all customer orders over the credit limit or past due
 Analyze, approve and make recommendations to the Director of Credit for all
new accounts
 Analyze and approve credit limits and releases for all existing accounts. Existing
accounts should be reviewed at minimum every 12 months, unless past dues
are over 60 days at which time a review must occur within 30 days of the past
due amount
 Analyze industry trade reports and financial information to ensure credit files
are maintained for both new and existing accounts
 Ensure credit application is legitimately signed and legible

 Communication to sales and management in regard to credit holds
 Create and Oversee Month end financial reporting for Sr Management from a
credit perspective
 Manage all prepaid and B2B credit card accounts and prepays
 Maintain and request all Letters of Credit and Personal Guaranties
 Follow specified matrix to obtain appropriate approvals on credit limits
including Sr Credit Analyst approval up to Director of Credit
 Keep up to date records on all accounts so that master files can update the
account accurately i.e. address changes, contact information, shipping changes,
etc
 Follow up, Organizational; Negotiation, Communication, and Analytical skills

are all crucial factors for success in this position. In addition excellent written
and verbal skills are required
 Intermediate skills in Microsoft Office—Excel and Word, SAP, and Outlook are
all required
 Associates degree in Business Management or Business Administration or

related degree; or 5 plus years in recent B2B Credit and Financial analysis
experience required
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Credit Analyst
103 Resume Builder
 Timely drafting of credit analysis as directed by the relevant Team Leader
 Discussion of the dynamics and nature of the Client's industry, including key
risk aspects
 Assessment of the Client's competitive positioning within its industry

 Discussion of management strength, experience and track record and
corporate governance more broadly
 Articulation of the Client's strategy and an assessment of its clarity and

associated execution risks
 Assessment of funding strategy, financial policy, treasury activity (hedging, cash

management) and liquidity
 Development of a current / forward year base forecast performance

expectation
 Assessment of balance sheet strength, alongside cashflow and profitability

vulnerability, via ratio analysis and/or stress testing
 Discussion of other pertinent risk aspects, including country risk, parental

and/or governmental linkage/support, relative ranking of indebtedness
 Evaluation of risks associated with particular proposed transactions, where

required
 Preparation of other analysis as directed by the relevant Team Leader, such as

Industry specific reviews, portfolio reviews, stress tests, assessments of new
prospects etc
 Completion of account spreading (where needed) and scorecard determination

within Creditmate, alongside other factors necessary to propose a preliminary
credit grading to Credit
 Analytical strength - to spot emerging risks, in particular

 Gravitas - to engage with Relationship Managers and Clients alike in a robust,
but constructive manner
 Collaborative - to work in partnership with stakeholders to 'get things done',

fulfilling the
 Strong verbal and written communication skills (in English), with proven ability
to work across cultures and within a dynamic environment
 Able to hold credible dialogue at all levels of the organisation, as well as with
clients
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 Well organized, able to multi-task and balance competing demands
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104 Credit Analyst
 Negotiating financial transactions and prepares transactions for documentation

within limits of credit authority. Assisting in negotiating financial and in
preparing transactions for documentation for transactions in excess of credit
authority. Assisting in administration of wholesale and retail customer "loan"
covenant compliance reviews, including on-site record and physical
machine/inventory audits
 Determining CFSC customer credit worthiness, approving/rejecting CFSC

customer deals within approved credit authority, recommending deals beyond
credit authority, and restructures customer deals. Conducting and monitoring
credit investigations. Assisting in leading the documentation of retail accounts
receivable; administers in-processing, signing, and funding of documented
transactions; monitoring accounting input; and auditing booked deals for
accuracy
 Understands the established continuous improvement objectives for the region.

Measures progress toward the continuous improvement standards and sees
that the necessary measurements are maintained. Participates in the resolution
of any identified problems. Analyzes data and makes all business decisions
based on such analysis
 A 4-year university degree or equivalent diploma and a minimum of 4 years

exempt experience in credit, collections, marketing and/or financial statement
analysis
 Thorough knowledge of and demonstrated ability to apply math computation

skills
 Demonstrated knowledge of and ability to analyze customer credit summaries

and past due accounts
 Thorough knowledge of and demonstrated ability to apply financing and

taxation principles
 Thorough knowledge of and demonstrated ability to calculate casualty values

and amortization schedules
 Thorough knowledge of Caterpillar products, their applications and their

markets
 Thorough knowledge of credit concepts and techniques
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 Demonstrated knowledge of financing and leasing products of the subsidiary
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 Demonstrated knowledge of and ability to apply pastCreate
due account collection
techniques
 Demonstrated knowledge of billing, invoicing and dealer payment principles
and concepts
 Demonstrated knowledge of security filing requirements and their applicability

to bankruptcy laws and regulations
 Demonstrated knowledge of marketing, credit and customer services concepts

and techniques
 Demonstrated ability to apply effective oral, written, and listening

communication skills with dealers, customers, company personnel, and the
financial community
 Ability to operate office equipment including a telephone system, financial

calculator, and desktop/laptop computers
 Demonstrated ability to apply data collection and analysis skills

 Demonstrated ability to prepare marketing reports and marketing related
statistical reports
105 Credit Analyst

 Negotiating financial transactions and prepares transactions for documentation

within limits of credit authority
 Assisting in negotiating financial and in preparing transactions for

documentation for transactions in excess of credit authority
 Assisting in administration of wholesale and retail customer "loan" covenant

compliance reviews, including on-site record and physical machine/inventory
audits
 Determining CFSC customer credit worthiness, approving/rejecting CFSC

customer deals within approved credit authority, recommending deals beyond
credit authority, and restructures customer deals
 Conducting and monitoring credit investigations

 Assisting in leading the documentation of retail accounts receivable;
administers in-processing, signing, and funding of documented transactions;
monitoring accounting input; and auditing booked deals for accuracy
 May provide training for employees in the areas of credit
59 of 140 24-Jan-20, 08:29

 Participates in accomplisment of continuous improvement objectives for the
Resume
department,Builder
Participates
 Professional in the
Resume identification of problem areas and development of
Templates
resolutions to address them
 Knowledge of financing and taxation principles

 Knowledge of Caterpillar products, their applications, and their markets
 Knowledge of marketing, credit and customer services concepts and
techniques
 Knowledge of financing and leasing products of the subsidiary

 Knowledge of financing and leasing products and documentation principles
 Knowledge of billing, invoicing, and dealer payment principles and concepts
 Knowledge of security filing requirements and their applicability to bankruptcy
laws and regulations
 Knowledge of and the ability to apply past due account collection techniques
 Ability to apply effective oral, written, and listening communication skills with
dealers, customers, company personnel, and the financial community
 Ability to perform math computation skills

 Ability to apply data collection and analysis skills
 Ability to analyze customer credit summaries and past due accounts
 Ability to calculate casualty values and amortization schedules
 Ability to prepare marketing reports and marketing related statistical reports
 A 4-year university degree or equivalent diploma and a minimum of 2 years
exempt experience in credit, collections, marketing and/or financial statement
analysis
106 Credit Analyst

 BA/BS in Statistics, Finance, Financial Engineering, Economics or similar field

 2-7 years working with statistical programs, preferably in financial services
industry
 Knowledge of financial models and analysis

 Statistical Programming experience
 Excellent computing skills (Microsoft Excel and Access) and working experience
in one or more high level programming languages
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 Ability to succinctly and accurately document results and findings
Resume Builder
 Familiarity of working with Databases and Database Management Tools,in
Data
Create a Resume in Minutes with Create a Resume Minutes (/resume-
Mining (Querying)
Professional Proficiency
Resume Templates
 Ability to apply quantitative techniques and analysis
107 Credit Analyst

 Proven experience underwriting CRE, C&I and Consumer loans, preferably in a

Community Banking environment
 Thorough knowledge of lending compliance issues, including Consumer

Mortgage issues
 Track record of effectively communicating and collaborating in a team

environment
 10 years in Commercial Credit Analysis and Underwriting roles

 Knowledge of automated statement spreading software
108 Credit Analyst

 Prepare timely and insightful credit analysis applications for a diverse, medium
to high complexity and sophisticated portfolio of commercial & industrial,
commercial real estate and private banking / professional services commercial
loan customers. Average loan size from $4 - $6 million
 Prefer candidate to have equal exposure to all industries: C&I, CRE, Consumer,
Residential Mortgage and SBA loans
 Create thorough and concise analyses of the risks and mitigants of pending
commercial loan requests by reviewing and analyzing the borrowers’ financial
statements, including but not limited to income statements, cash flow
statements, balance sheets, tax returns, personal financial statements, real
estate and C&I collateral appraisal reports, and environmental assessment
reports
 Prepare advanced sensitivity analyses, pro forma cash flows, and assessments
of collateral and guarantor financial condition
 Conduct analysis of the market (customers) and industry (competition,

suppliers, substitutes, and potential new entrants) and management teams
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and/or deal sponsors
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 Evaluate and opine on appraisals and environmental reports
Create a Resume in Minutes with Create as part of the
109 Credit Analyst

 Moderate to High credit limit authorization required for credit adjudication

 Previous adjudication experience, strong credit acumen and has experience
holding credit limits in a previous role
 Presentation Skills
 Business Intelligence
110 Credit Analyst

 1-3 years of Financial/ Business Analyst experience

 Ability to manage multiple tasks and assignments
 Strong Excel and financial systems experience
111 Credit Analyst

 Review and understand various types of incoming customer financial

information, including tax returns, financial statements, proformas, borrowing
base certificates, compliance certificates to ensure all required information has
been received to accurately process the requestSpread financial statements via
Moody’s Risk Analyst (MRA) software. Log financial statements into Exception
 Advisor and upload to Livelink

 Review and spread personal customer financial statements, tax returns, and
Credit Bureau information in the PFS Excel spreadsheet template. Log financial
statements into Exception Advisor and upload to Livelink
 Determine appropriate risk rating model to be used and assist in preparation of

Risk Rating via FACT software
 Review Loan Agreements to perform calculation and monitoring of financial
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covenants. Report financial covenant violations to Bankers
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 Review Loan Agreements to perform calculation and monitoring of grid in
pricing
Create a Resume in Minutes with Create a Resume Minutes (/resume-
rate adjustments.
Professional Report rate adjustments to Bankers and the Loan Servicing
Resume Templates
Operations Group
 Order Credit Bureau Reports and Dun & Bradstreet Reports upon request
 Planned future responsibilities to include: compliance certificate and borrowing
base certificate calculation verifications
112 Credit Analyst

 Provide Credit Analysis (establishment of credit lines, approval of daily

jobs/credit requests) for all business units supported by Shared Services
Finance
 Utilize a variety of legacy/ERP systems to assist in credit analysis

 Provide customer master maintenance for ERP/legacy systems
 Perform annual reviews per Finance organization requirements
 Provide credit guidance to internal/external customers as required
 Correspond directly with branch/business unit management in regard to credit
requirements/issues
 Ensure response times are within established parameters via team approach to
daily tasks
 Remain within or under established bad debt thresholds by accurately

assessing credit risk
 Participate in various strategic and tactical project initiatives

 Utilize ACE tools to seek out process improvement opportunities; participate
on ACE teams and in ACE initiatives as required
113 Credit Analyst

 Run the monthly tactical collateral concentration report for the UK entities of
the bank
 Enhance and update the documentation to run the collateral concentration

assessment process
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 Contribute to the refinement of the collateral concentration assessment
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approach, also liaising with global teams to achieve a consistent approach
FacilitateResume
 Professional the handover
Templates of the tactical process to CRO Change in order to
achieve a strategic automated solution for the same
 Capable of handling large volume of data(Excel essential, VBA/SQL preferable)

 Quick learner, flexible to adapt his approach Document writing
 Analytical mind capable of designing pragmatic effective approaches to risk
 Some grounding in the financial industry
 Candidates from Tier 1-2 banks, pension funds, insurance and asset funds are
also welcomed to apply
114 Credit Analyst

 Coordinate the initiation of new MSBF (liquid/diversified collateral) credit

transactions within the AHS/CPC Consumer Segment CPB U.S. and Latin
America (LATAM) banker teams, periodically working in concert with our Risk
Partners for the CPB U.S. and LATAM regions
 Manage the AHS/CPC Banker teams’ expectations, set workflow schedules and
priorities to ensure timely completion of credit transactions within standard
turnaround timeframes
 Conduct proper due diligence, follow standard underwriting guidelines within

the framework of CPB Risk Core Credit Policies and procedures and the Global
MSBF product program and the AHS MSBF Reg U Product Program (including
KYC/CRF review, risk rating and collateral analysis, etc.) and complete the
approval process on a timely basis
 Prepare standard MSBF loan documentation and arrange with the banker
teams and their clients to have documents properly executed and loans funded
expeditiously
 Prepare funding packages to be sent to our Delaware Administration Function

as well as to Pershing, our collateral holder. Ensure funding process runs
smoothly and follow through funding
 Provide backup for other team members: CPBs US and LATAM portfolios
 Ensure all assigned annual reviews are completed on schedule with minimal
extensions/deferrals
 Coach and advise Loan Request and Banker Teams on basic credit policies,
procedures and product suitability/structure
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 Partner effectively with other product specialty teams: Letters of Credit, Admin
Resume Builderin Nassau, Bahamas and Pershing (our collateral partner)
in Delaware,Funding
Manage deal
 Professional pipeline
Resume Templatesdatabase, coordinate accurate MIS for delivery to
AHS/CPC seniors
 Comply with all Fair Lending and other federal banking regulations, including
proper notification standards and disclosure rules under ECOA/Regulation B
 Must have thorough knowledge of secured margin lending and letter of credit
underwriting processes
 Experience with and strong working knowledge of standard margin loan

documentation
 Solid working knowledge of Federal Banking Regulations, especially Fair

Lending regulations (ECOA, FACTA, CRA, FCRA, Reg O, Reg U, Reg W, etc.)
 Good working knowledge of systems/MIS such as Word, Excel, PowerPoint,

standard credit databases
 Ability to effectively negotiate with bankers, internal peers, and occasionally

external clients, as well as coordinate with outside counsel when necessary
115 Credit Analyst

 Support and maintain the loan origination platform(s) for Synchrony Financial
Credit organization
 Analyze credit and fraud strategy change requests, document and Implement
required strategy changes within the guidelines mandated by credit acquisition
workflows. Perform appropriate pre and post implementation validations and
communicate release activities to all stakeholders
 Provide support for project requirement definitions and testing including test
case preparation, test results validations and post release monitoring of new
and existing projects
 Represent acquisition credit function for all projects related to the loan
origination platform
 Maintain company credit policy and support new risk channels, tools and
technologies roll out and ad hoc requests
 Investigate, research and follow up on customer issues, complaints and defects

 Maintain Credit Work Flows, Risk Control Matrix and follow up on audit/internal
control recommended measures
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 Work in conjunction with the Portfolio Credit Managers to evaluate and
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enhance origination strategies
Bachelors'
 Professional degree
Resume and 2+ years of relevant experience in consumer/commercial
Templates
risk management, lending, marketing or appropriate field in a credit card /
consumer lending environment. or; in lieu of a bachelors' degree, 6+ years of
relevant experience in consumer/commercial risk management, lending,
marketing or appropriate field in a credit card / consumer lending environment
 Experience with using any decisioning software

 Knowledge of Credit bureaus, Genasys, Surveyor, Edison or other legacy
platforms
 Interest in project management with extreme attention to detail, accuracy,

integrity, and team focus
 Cross-functional teamwork: ability to work together with team comprised of

individuals from multiple functional backgrounds and drive results
116 Credit Analyst

 Strong knowledge of various CCO Adjudication platforms

 Experience in adjudication of complex credit applications
 Strong telephone skills are a requirement of the job
 Bilingualism (French/English) would be an asset
117 Credit Analyst

 Assist in executing integrated sales, relationship, and credit strategies that are
in alignment with the regional business plan to achieve desired revenue and
service hurdles
 Work closely with Commercial Banking Relationship Managers to provide

product specialists with qualified referrals for cross-sell. Assist in closing deals
across all products
 Ensure safe and sound underwriting/credit practices are followed to promote

sound lending activity
 Accompany bankers on customer site visits, when appropriate
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 Maintain frequent interaction with centers of influence, diverse industry
Resume Builderleaders, regulators, and senior business contacts
segments, community
Ensure that
 Professional theTemplates
Resume organization's activities are carried out in accordance with all
regulatory, legal, and governmental regulations
 Support the bankers in underwriting requests for credit extensions for

new/existing clients, and in writing annual reviews
 Assist with the preparation and presentation of loan committee packages

 Perform credit and personal financial statement analysis on individuals,
guarantors, and co-borrowers in order to determine repayment capacity based
on cash flow statements, tax returns, and statements
 Execute integrated sales, relationship, and credit strategies that are in

alignment with the regional business plan to achieve desired revenue and
service hurdles
 Minimum of 2 years banking experience preferably in Commercial Banking with

formal commercial credit training (i.e. Credit College)
 Strong analytical skills including the ability to read and assess individual and
company financial statements, cash flow, industry and competitive analysis and
projections
 Strong written and verbal/presentation communication skills

 Ability to work independently and also effectively within a team
 Proficient in various spreadsheet and word processing applications (Excel and
Word are preferred), including the use of graphs and charts, Siebel and
Moody's financial analysis software
118 Credit Analyst

 Input financial and other information to the systems, obtain other information
as required
 Makes credit decision within established authority

 Ensure that credit extensions are within defined target markets and risk
acceptance criteria; and meet with applicable policy and procedures
 Daily processing of availment ticket to existing customers

 Carry out annual/interim/initial credit analysis of customers and approve the
limit as maker
 Management of the assigned portfolio

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 Follow up relevant periodical reports
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 Perform proactive risk management of transactional and portfolio activities,
ensuring Resume
Professional that allTemplates
risks are identified and properly managed. This includes credit,
operational, legal, and compliance risks
 Credit availment analysis and approval

 Early Warning Process
 Interim financial analysis
 Customer calling (as needed)
 Participate in resolution of process issues
 Contribute to development, testing and implementation of risk-related
software
 Behave according to the requirements of customer fulfillment

 Interface with internal and external audit
 Ensure credit problems are recognized, reported in a timely fashion and timely
classification
 Involvement in EW financial reviews

 Involvement in improving related credit procedures and credit programs
 Minimum 5 years of (commercial and/or corporate) credit analysis & approval
experience in a local or an international financial institution
 Strong verbal and written communication skills especially including English

 Minimum Bachelor Degree or equivalent from a recognized university
 Must be a business facilitator as well as being responsible for keeping the risk
process honest
119 Credit Analyst

 Loan Analysis and underwriting

 Credit package completion
 Financial Statement Analysis
 Cash Flow Analysis
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Credit Analyst
120 Resume Builder
 An influential global bank is looking for a Credit Risk Analyst to join the China
Region Credit Risk team and undertake intensive credit research and analysis
 As a Credit Analyst, you will work closely with the Risk Management team and
the relationship management team to assess risks and perform all necessary
credit due diligence and analysis on counterparties
 You will review or recommend for approval credit risk-related transactions

originating from counterparties
 You will develop and maintain rapport with local regulators and government
and provide updates and insights to the senior management team in China and
HQ
121 Credit Analyst

 Assessment of and deciding on the credit risk of both new and existing
Professional Fee Finance accounts
 Analysis of financial accounts, bank statements and customer's credit history in

order to assess repayment ability
 Liaising with Professional Fee Finance Sales Manager to obtain relevant

information to assist with decision making process
 Preparation of Credit Applications for decision both within the Professional Fee
Finance team and by Credit Committee
 Ensuring adherence to KBC's Professional Fee Finance Credit Criteria,

Procedures and SLA's and ensuring a high level of accuracy
 Ensuring a knowledge of and adherence to all Compliance and CBI

requirements
 Preparation of various monthly reports as required (ie) ICB reporting, monthly

control reports and daily lodgement monitoring
 Assisting with various other Credit Acceptance Department tasks as required
122 Credit Analyst

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 5+ years commercial credit underwriting experience and prior credit approval
Resume
authority Builder
Strong PC
 Professional and technical
Resume Templates skills, including experience with Word, Excel,
PowerPoint and Outlook
 Experience with Security Documentation; UCC’s, Security and Priority

Agreements, etc
123 Credit Analyst

 Initiate and document periodic review meetings

 Continuous follow-up of statement of accounts, both internally and externally
 Analyze and support resolution of disputes
 Advice to the Treasury & Credit manager on payment terms and credit limits for
(new) customers
 Provide input on cash flow forecasting

 Execute sales of receivables
 Financial Acumen and skills
 Ericsson wide knowledge & skills (other Functional Area)
 Ericsson Business process
 Fundamental leadership skills
 Minimum Qualifications & Experience Requirements
 Bachelor Degree in Finance or equivalent work experience
 A degree in Business Administration, Finance, Accounting, Economics or
equivalent
 Knowledgeable in Treasury and Credit management practices

 Ability to communicate in the customer's preferred language, as well as an
openness to and respect for other cultures
 DISCLAIMER: The above statements are intended to describe the general

nature and level of work being performed by employees assigned to this
classification. They are not intended to be construed as an exhaustive list of all
responsibilities, duties and skills required of employees assigned to this
position. Therefore employees assigned may be required to perform additional
job tasks required by the manager
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Credit Analyst
124 Resume Builder
 Evaluate counterparty credit risk based on analysis of both quantitative and
qualitative factors, including fundamental credit analysis, in order to
recommend internal ratings, LGD and credit limits
 Assist the Credit officers in the portfolio analysis and on-going monitoring of
various risk reports (e.g. stress reports, risk sensitivities reports, sector reports)
 Interact with salespeople and traders covering a multitude of products in order

to determine trading requirements and limit types to be established, as well as
establishing guidelines governing trading
 Participate in negotiations of trading documentation
125 Credit Analyst

 A basic knowledge of corporate credit analysis techniques is essential

 A basic ability to analyse and interpret company financial statements is
essential
 Knowledge of accounting standards would be useful

 Working knowledge of Excel spreadsheets, Microsoft Access and research skills
are desirable
 Experience of performance testing and covenant compliance would be useful

 Financial modelling skills would be useful
 Language skills in any of German, Spanish, French or Italian languages would
be useful, but not essential
126 Credit Analyst

 Analyze information financial statements and related materials

 Prepare summary, present facts, and offers opinions concerning credit-
worthiness
 Assign an overall risk rating to the credit request through the review and
analysis of financial information
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 Develop and maintain financial background information on present and
Resume
prospectiveBuilder
customers
Develop Resume
 Professional credit Templates
analyses for use by lending officers or committees in the making
of lending decisions on new credit approvals and renewals
 Adhere to applicable compliance/operational risk controls in accordance with

Company or regulatory standards and policies
 Promote an environment that supports diversity and reflects the M&T Bank
brand
 Familiarity with Bank systems such as Risk Analyst, AFS, CSS, CLAS
127 Credit Analyst

 Bachelor’s Degree required with an emphasis in finance, accounting, or other

related field preferred
 Minimum 1 year of credit analysis or financial analysis experience required

preferred
128 Credit Analyst

 Bachelor’s Degree or an equivalent combination of education and experience

 General understanding of accounting
 1 year of experience in underwriting or portfolio administration
 Completion of Commercial Banking Training Program
 Experience in portfolio management
129 Credit Analyst

 3+ years of professional experience

 Strong Excel skills (Vlookup, Pivot Tables)
 Ability to work in an extremely fast paced environment
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 Strong communication and customer service skills
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 Strong phone presence
 Professional
SOX/SOPResume Templatesknowledge
compliance
130 Credit Analyst

 Analyze financial statements and related materials

 Working knowledge of personal computers and related software programs
 Bachelor’s degree in Accounting, Finance, Economics
 One year accounting, finance or financial analysis related experience
131 Credit Analyst

 Analyze and monitor the credit quality of your assigned coverage of investment
grade rated utility/energy issuers and regularly publish reports to UBS clients
globally
 Identify investment opportunities and provide specific recommendations in

frequently updated valuation reports
 Interact with senior investment professionals and present your investment

recommendations to colleagues and clients
 Support the creation of the UBS House View and coordinate with strategists,
asset class specialists and economists within the Chief Investment Office
 A minimum of two years of relevant experience as a fixed income/credit analyst

for non-financial corporate issuers
 Good understanding of market dynamics in investment grade corporate bond

markets
 Ability to develop and maintain financial models and arrive at investment

conclusions
 Strong analytical and organizational skills with the ability to work to tight
deadlines
 An advanced degree with a major in Economics, Finance or Business

Administration. A professional financial certification such as CFA or FRM would
be an advantage
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 A high degree of proficiency in English with the ability to write and present
Resume
confidently Builder
and clearly. Advanced communication skills in German or French
preferred
132 Credit Analyst

 Review invoicing, purchase orders and other documentation to resolve billing

disputes and ensure prompt collection
 Research and resolve account problems and discrepancies with sales

departments and/or customer
 Coordinate/assist in the application of check, wire transfer and credit card

payments with the accounts receivable department to ensure proper
application
 Communicate verbally and in writing to request payments and status of the

accounts on a regular basis, maintaining notes for co-workers to use
 Prepare, validate and coordinate with the Customer Master Department in the
processing of customer maintenance forms for the set-up of new accounts and
for modification of existing accounts
 Resolve chargebacks and disputed items through contacts in Billing and or

Sales departments and follow up with customer for prompt collection
 Receive telephone inquiries and answer routine questions on the department

policies referring unusual or non-routine matters to supervisor
 Maintain IDS by entering, updating and retrieving data as well as formatting

and generating reports
 Prepare & review credit lines for maintenance & new customers.(D&B, DSO,
Trades, etc.)
 Work on assignments that are semi-routine in nature, but recognizing the need
for occasional deviation from typical practices
 Preparing periodic account information

 Approval of orders
 Daily bank deposits
 General office duties and projects as required by supervisor
 Requires a bachelor’s degree in a relevant field plus 3 to 5 years of related
experience
 Effective PC Skills necessary, including knowledge of spreadsheet, word

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processing and communication software through Windows platforms
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 Strong interpersonal skills and ability to work under pressure
Create a Resume in Minutes with Create aneeded
133 Credit Analyst

 Fluent in Spanish
 Bachelor's Degree in Business Administration or Accounting
 3-5 years of relevant professional experience
 Previous experience collecting in a wholesale environment
134 Credit Analyst

 To prepare annual and interim financial and credit analyses for ICG Clients
(including financial modeling, determination of risk ratings, risks and key
success factors)
 To remain updated about the credit processes, policies, systems and

incorporate the required changes into the credit packages and decisions
 Make judgments / conclusions on the creditworthiness of an obligor/prospect

 Maintain exemplary relationships with the Relationship Managers, product
representatives, industry experts or other partners
 To remain updated about the clients’ credit standing by calling on customers

gathering of market/industry information and by coordinating with the
Relationship Managers
 Participate in structuring complex credit transactions

 To specialize in specific industries and to remain current on economic
developments by closely monitoring the macroeconomic variables and publicly
available data about these sectors
 To assure the timely submission of the credit analyses and ongoing monitoring
of the client
135 Credit Analyst

75 of 140 24-Jan-20, 08:29

Resume Builder
 Direct performance and review of credit inquiries, recommending/granting
credit limit assignments, accounts receivable aging analysis
 Managing outsourced team through KPI’s and DTP’s
 Evaluate specific credit needs and credit risk factors for each account
 Monitoring and managing the automated approval workflow as well as
providing manual approvals as required
 Personally review all files that cannot be approved through the standard
process for a final decision
 Personally perform analysis of financial statements of Customers as required

 Effective manage all with all credit-related escalations
 Support the Sales Organization by actively seeking and developing partnership,
understanding the business requirements and ensuring communication is
maintained at the highest standards
 Ability to develop/deliver process enhancements and other training materials

to Facebook Sales and Finance staff
 Leadership to represent Facebook Finance on Client calls – including effective

management into Clients’ Executive Management team members and their
relationship banks
 Promoting customer goodwill through professional credit management and

relationship building
 Own all SOX and Internal Audit activities in relation to the credit function while
ensuring integrity and compliance at all times
 Data analytics and KPI indicator formulation and reporting, and benchmark
industry best practices
136 Credit Analyst

 Analyze dynamic credit situations and developing investments theses and trade
ideas
 Interface with the Investment Grade/High Yield/Tactical Asset

Allocation/Absolute Return Investment Teams across the BlackRock Platform
 Strong aptitude in financial model analysis

 Deep fundamental credit expertise
 Provide investment opinions and trade ideas to a number of Investment Teams
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within the Multi Sector platform across High Yield and Investment Grade Credit
Resume Builder
products
Responsible
 Professional forTemplates
Resume understanding the credit risk across the various portfolios
 BA/BS, with strong quantitative skills; CFA a plus

 Strong fundamental credit and analytical expertise
 Excellent interpersonal skills and ability to coordinate between various groups
including Investment Teams/Sector Specialists, Traders and Corporate Credit
Research Group
 Able to multi-task effectively

 8-15 years of fixed income/credit experience
137 Credit Analyst

 4-Year degree, Accounting or Finance

 Working knowledge of Microsoft office products (Outlook, Word, Powerpoint)
 Strong oral and written communication skills to articulate key information
 2+Years Media collections or similar experience
 PeopleSoft Financials and Sungard/GetPaid software experience
138 Credit Analyst

 Proactively monitor exposures; undertake analysis/ investigation where

required to ensure exposures are properly reported and exceptions resolved
 This may include interacting with Sales and Trading as well as Credit Risk to
understand the credit transaction
 Coordinate with other departments and various levels of management

regarding credit risk reporting issues, including investigating data issues, and
resolving reporting errors
 Serve as subject matter expert regarding credit risk reporting; develop and
implement solutions as warranted
 Identify policy and procedure gaps within the department, and propose
solutions
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 Demonstrate an ability to resolve internal and external audit issues and to
Resume Builderrequests from Regulators
interpret information
Develop Resume
 Professional an understanding
Templates of how financial and capital markets transactions,
including derivative and foreign exchange trading, generate risk exposure and
how this affects extensions of credit to varied clients
 Develop a high degree of technical and policy understanding with respect to

business credit processing
 Develop and maintain effective working relationships with colleagues in other

areas of Risk
 The ideal candidate will have strong quantitative skills; good interpersonal
skills; good written and communication skills; and be able to learn quickly
 Candidate will pay strong attention to detail, with the ability to recognize
reporting and processing errors
 Bachelor’s degree required in Finance and/or Accounting field

 1-2 years financial services experience recommended with prior exposure in
 Strong computer literacy and advanced Excel, PowerPoint are a must-have
139 Credit Analyst

 Coordinate/assist in the application of check and wire transfer with the

accounts receivable department and customers to ensure proper application
 Research and resolve account problems and discrepancies, related to credit

notes, with sales departments and/or customer
 Resolve chargebacks and disputed items through contacts in Billing and or

Sales department and follow up with customer for prompt collection
 Monitor the process of credit notes issuance

 Set up new accounts and maintaining the customer master’s of existing
accounts
 Contact customers on regular basis for the renewal of letter of credits

 Assist in supervising credit operations within a defined geographic region in a
manner that will increase distribution and sales volume, contribute to the profit
and stability of Canon, and provide for the prompt turnover and adequate
protection of Canon's investment in accounts receivable
 A college degree in business administration or accounting is preferred. The

incumbent must have 2 - 3 years experience in a credit organization, including 1
78 of 140 24-Jan-20, 08:29

year of specific experience in collecting accounts receivable in a wholesale
Resume Builder
environment. Some basic knowledge of economics, finance, accounting,
Create a Resume
statistics, in Minutes with
marketing,
and research methods is necessary. The incumbent must
have good analytical ability and resourcefulness in identifying problems and
their causes
 Bilingual: English / Spanish fluency required

 Proficiency with Latin America credit / collections preferred
140 Credit Analyst

 Monitor and collect on past due accounts

 Utilize strong Excel capabilities, including knowledge of spreadsheets,
formulas, VLookups, and pivot tables, to identify and resolve invoicing and
shipping issues
 Processes and investigates chargebacks on accounts

 Communicate effectively with customers
 Release orders, approve orders for shipment based on account status
 Cash posting, as needed
141 Credit Analyst

 Timeliness and accuracy in the production of corporate credit ratings

 Credit risk monitoring and identification of potential credit quality issues
 Maintenance of interdepartmental rating database
 Fluency in either German, Spanish, French or Italian Language skills will be
useful, but this is not essential
142 Credit Analyst

 Leads the work of others and provides training in more advanced credit analysis
techniques
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 Coaches and mentors less experienced associates within a department
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 May develop, structure, negotiate and close transactions
 Professional
PreparesResume Templates reports, and summaries
spreadsheets,
 Advanced concepts, practices and procedures of credit analysis

 Researching, interpreting and analyzing complex financial statements
 Preparing complex financial position and credit reports
 Structuring, negotiating and closing loan transactions
 Monitoring compliance on loans/accounts
 Manage relationships with clients
 Maintain currency in credit analysis policies, procedures and methodologies
 Solve complex problems
 Bachelor’s Degree (B.A.) in Finance, Accounting, Business or related field with a
minimum of five (5) years of credit analysis experience
143 Credit Analyst

 Approach around 15 named counterparties, as agreed with Trading and Legal

 Negotiate terms with all 15 counterparties simultaneously
 Achieve at least 10 signed signatories to contracts with the associated credit
support in place from the counterparty at the end of 6 months
 Process to be overseen by Head of Legal

 Proven ability to work under pressure (especially around month end) and
adhere to strict time-tables for reporting and completion of reconciliations
 Ability to communicate with and interact with finance and non-finance staff
 As part of a small finance team, an ability to be highly flexible and able to work
autonomously
 Excellent MS Excel skills and ability to quickly pick up and understand

accounting and trading systems
144 Credit Analyst

 The major responsibilities of a Senior Credit Analyst are to objectively diagnose

80 of 140 24-Jan-20, 08:29
and evaluate the Counterparty and Credit Risks of an assigned portfolio as well
Resume Builder
as monitoring the Bank's exposure
This is achieved
 Professional by writing up exhaustive but synthetic Credit Proposals based
Resume Templates
on a selective commercial and risk approach
 They also present files in all levels of credit committees

 Strong understanding of the UK Banking market and related legal loan
documentation
 Strong presentation skills (both written & oral)

 Educated to Degree standard
 Strong credit analysis skills (including cash flow and secured lending,
forecasting and modelling and facility structuring)
 Knowledge of banking products from a credit risk perspective, including

 Vanilla commercial and corporate banking products (Overdrafts, Syndicated
lending, cash management, guarantees and performance bond lines,
committed facilities)
 Global markets deals (varying from straightforward to complex structures,

including currency, commodities products and derivatives)
 ** Rating Agency Candidates are welcome to apply**** If you feel you have the
relevant skill set for the above job please apply using the "apply now" function
on the E-Financial careers website, or alternatively please send your CV direct
to me on dsakthithasan@morganmckinley.co.uk if you have any questions
regarding the role please don't hesitate to contact me via email or
02070920064
145 Credit Analyst

 Analyse business and personal banking transactions as well as counterparty

reviews
 Work closely with senior credit signatories and business stakeholders to ensure
efficient deal turnaround
 Negotiate and communicate credit outcomes

 Contribute to project, portfolio management, compliance and policy work
across the broader BFS Credit team as capacity and workloads require
 Strong attention to detail and the tenacity to follow through objectives

 Display evidence of excellent time management skills and a 'self-starter'
81 of 140 24-Jan-20, 08:29
attitude
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 Self-motivated and strive for success within the business
 Professional
Flexible andResume Templates
able to work in a fast paced and dynamic environment
 Possess an inquisitive mind and a passion for current affairs in banking and
finance
 Proficient with Microsoft Excel and financial modelling

 Tertiary degree qualified (commerce, accounting, finance, economics,
mathematics, or similar)
 Preferably two to five years prior experience in a business banking role (ideally
in credit) or experience in an analytical role within the financial services industry
that required the interpretation of financial data and cash flow analysis
146 Credit Analyst

 Providing outstanding and professional customer service to our introducers,

including motor vehicle dealerships; brokers and aggregator firms, and other
internal and external introducers
 Building strong and mutually beneficial relationships with our third party
introducers and internal stakeholders
 Assessing and decisioning new consumer and commercial finance applications

under a credit approval authority. Additionally, there will be some opportunity
to assess chattel mortgage, novated leasing and equipment finance
applications
 Overall risk oversight, ensuring credit policy is maintained and applied and
appropriate credit decisions are taken
 Structuring credit and compliance risk to ensure we meet commercial outcomes

whilst minimising losses; liaising with and assist other departments as necessary
 Asset finance
 Retail banking
 Consumer finance
 Telecommunications credit
 Business banking
 Credit control
 Accounting or auditing
82 of 140 24-Jan-20, 08:29

 Insolvency and bankruptcy
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 Tertiary qualifications preferred but not essential
An appreciation of credit, risk management and compliance related principles
 A strong desire for personal development, learning and professional growth in

a high-performing environment
 An ability to thrive under pressure, demonstrating a flexible attitude to change

 An interest in working in wider organisational projects and initiatives
 Demonstrated track record of superior customer service is vital for the
successful candidate
 Ideally an understanding of lending or leasing practices
147 Credit Analyst

 Credit and / or Lending experience with at least 3 years relevant experience

working in a Credit Risk or Commercial/Residential Lending environment
 Excellent financial analysis and strong credit analysis skills

 QFA Qualified or at a minimum working towards achieving same (Minimum
APA)
 Relevant Business Degree with a minimum of a 2.1 (Desirable, not essential)

 High level of accuracy and attention to detail along with strong analytical and
numerical skills
 Ability to achieve results and a proven commitment to attaining desired goals

 Good communication skills both orally and written
 Deep understanding of the compliance, regulation and codes of conduct
affecting the banking industry and the ability to find solutions to adhere to
these principles
 Able to adapt to change and thrive in a banking environment

 Ability to effectively engage with other areas of the business to support inter-
departmental projects and processes which directly impact the business
 Excellent time management and prioritizing skills necessary

 Strong team player as well as the ability to work on own initiative
 Computer literate with a competent knowledge of Microsoft Excel, Word and
Powerpoint
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Credit Analyst
148 Resume Builder
 Primary responsibility for monitoring counterparty credit risk and
independently managing a portfolio of circa 30 European Insurance groups
 Support business by providing trade & structuring solutions as part of

transaction review process and carrying out due diligence on new clients
 Negotiation of credit terms in legal documentation (ISDA, CSA, loan docs, etc)
 Liaison with other Risk & Infrastructure functions (e.g. Market Risk, Legal,
Treasury)
 Ensure regulatory requirements are met including annual credit reviews and
excess ticket review
 Contribute to improvements in the credit risk processes via ad hoc project work
 High self motivation and hunger to learn
 Financial institutions credit analysis experience, ideally covering European
insurance companies
 Extensive knowledge and understanding of capital markets products including

foreign exchange, treasury and derivatives products including key risk drivers
 Self-motivated with commitment and drive

 A strong communication skills, both orally and written
 Client focused, with demand management skills
 A team player, evidence of working in team environment
149 Credit Analyst

 Provide Credit Trading with views and analyses related to cash and synthetic
securities of CEEMEA corporates
 Analyze credit fundamentals as well as market technical in order to identify

credit valuation arbitrage for the benefit of the trading desk’s clients
 Understand legal documentation associated with capital instruments and have a

grasp of a number of industry sectors with oil and gas and financial sectors
being key sectors
 Be able to develop scenario analyses and securities valuations. Review and

manage risk on books with trading team
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 Provide coverage to sales and external clients. Regular client dialogue and
Resume Builder
interaction required
Fluent Russian
 Professional Resume or Arabic language and writing skills are highly valued
Templates
 Extensive years cumulative experience analyzing emerging markets corporate
institutions and corporate finance experience
 Strong financial analytical skills with experience analyzing legal documents

(offering memorandums, M and A agreements, regulatory documents, etc…)
 Strong modelling and presentation skills

 Able to perform on a trading desk setting
 Demonstrate team skills to work with numerous partners
 Language base – Russian or Arabic (professional fluency in English assumed)
 Extensive years of experience in the finance or related industry
 University degree in Finance or Economics
150 Credit Analyst

 Provide insightful and concise credit analysis of the bank's current and
prospective clients
 Discussion of dynamics of the Client's operations, including key risk aspects

 Assessment of Client's positioning within its industry
 Continuous monitoring for credit-material events and proposal of counterparty
credit grades through the relevant scorecards
 Carrying out analysis which provides an informed opinion on the likely

development of both business and financial risk elements in their industry /
geographic context
 Assisting in the development of the Credit Analysis Team by enhancing

activities of team and also quality of credit analysis produced
 Support and coaching to less experienced members of the team

 Assessment of the clarity within a client's strategy and its associated risks
 CAMELS - based analysis in line with approved templates
 Discussion of other pertinent risk aspects, including macroeconomic factors and
new regulatory requirements
 Strong knowledge of credit policies and portfolio standards, and to ensure that
these are enforced appropriately
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 Monitoring and interpreting market signals (CDS, news events, rating agencies
Resume Builder
etc) with relevance towards rating sensitivities; providing proactive
Create a Resume in Minutes
recommendations to with
Risk and/or the Business as necessary
 Relevant experience gained either in banking, treasury or accounting
environment; minimum of 5/6 years
151 Credit Analyst

 Investigates all available sources of credit and financial information, including

reporting services, credit bureaus, other companies, and main office files
 Analyzes prospective client accounts receivable aging

 Analyzes financial statements and related material
 Prepares summary, presents facts, and offers opinion based on the facts
concerning credit-worthiness
 Determines the need for more thorough investigation or additional information,

and contacts appropriate sources for such information
 Assembles and ensures that all credit files are kept current with latest financial
statements, insurance certificates, and any other required documentation
 Prepares and helps in establishing and maintaining the proper documents

relating to the perfection of the company's lien position on credit facilities
secured by accounts receivables, including client loan documentation, service
contracts security agreements and other applicable loan agreements
 Reviews UCC-1 lien searches and files UCC-1's on prospective clients

 Prepares and presents client and debtor reviews at the appropriate time as
required by policy
 Demonstrates aptitude to analyze financial statements

 Demonstrates independent decision-making abilities
 Financial statement spreading abilities
152 Credit Analyst

 Sound credit and analytical skills

 Fundamental understanding of balance sheets, income statements, and
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statements of cash flow
Resume Builder
 Ability to learn internal bank systems and additional software
Create a Resume in Minutes with Create aapplications
Strong combination of interpersonal communication skills, analytical and
decision-making skills, with the ability to make recommendations and offer
solutions
153 Credit Analyst

 Optimize credit opportunities by assisting partners in adjudicating, structuring,

packaging and authorizing credit
 Escalate with recommendation those applications that exceed discretionary

limits and established guidelines
 Strong credit acumen - Subject Matter Expert with knowledge of credit

adjudication and analysis
 Strong knowledge of various CCO adjudication platforms

 Advanced knowledge of products, end to end processes and systems
 Organized, detailed oriented and ability to multi task effectively
154 Credit Analyst

 2-3 years of experience in similar professional field

 Problem solving attitude
 Customer oriented, proactive
 Fluent English and Hungarian
 SAP knowledge is an advantage
155 Credit Analyst

 Analyse counterparties and prepare credit memos which include

recommendations to manage counterparty exposure
 Analyse the credit risks in corporate loan and derivative trade requests in order
87 of 140 24-Jan-20, 08:29
to recommend accurate credit risk ratings and appropriate risk appetite
Resume Builder
 Present to the credit committee the execution of loanCreate
transactions from in
theMinutes (/resume-
Create a Resume in Minutes with a Resume
beginning
Professional of a deal
Resume to the financial close
Templates
 Communicate with clients and internal business units on credit requirements
(assisting structuring new transactions), approvals and ongoing relationship
management
 Manage portfolio of corporate loan and derivative counterparties, including

annual and quarterly reviews and adhoc waiver requests
 Follow up on timely receipt of financial information from all clients and prepare
credit memos and reviews according to firm policy requirements
 Extensive experience in credit analysis and financial forecasting (CAMELS

analysis), assigning ratings and sizing risk appetite
 Knowledge/experience in the commodity industry(oil/gas; metals/mining)

 Good knowledge in financial markets, financing and risk mitigating structures
 Product knowledge e.g. leveraged loans, swaps, FX, equities, commodities
 Familiarity with legal documentation and risk issues, including LMA and bond
documentation, ISDAs, CSAs, netting, and credit mitigating features
 Proficient skills in computer applications, particularly Excel (financial modelling)
156 Credit Analyst

 Preparation of financial statement spreads and credit presentation packages

 Participation in loan approval presentations
 Portfolio credit risk review
 Participation in seminars and on-going training sessions
157 Credit Analyst

 Negotiates financial transactions and prepares transactions for documentation

within limits of credit authority. Assists in negotiating financial and in preparing
transactions for documentation for transactions in excess of credit authority.
Assists in administration of wholesale and retail customer "loan" covenant
compliance reviews, including on-site record and physical machine/inventory
88 of 140 24-Jan-20, 08:29

audits
Resume Builder
 Determines CFSC customer credit worthiness, approves/rejects CFSC customer
deals within
Professional approved
Resume Templatescredit authority, recommends deals beyond credit
authority, and restructures customer deals. Conducts and monitors credit
investigations. Assists in leading the documentation of retail accounts
receivable; administers in-processing, signing, and funding of documented
transactions; monitors accounting input; and audits booked deals for accuracy
 Understands the Harassment policy of the company and is responsible for its
application in all aspects of employment
158 Credit Analyst

 Thorough knowledge of and demonstrated ability to apply math computation

skills
 Knowledge of and ability to analyze customer credit summaries and past due
accounts
 Knowledge of and ability to apply past due account collection techniques

 Knowledge of billing, invoicing and dealer payment principles and concepts
159 Credit Analyst

 Write research on a regular basis and communicate it to relevant Bloomberg

terminal clients via phone calls, in-person meetings, and online chat
 Create and manage partnerships with key external market professionals,

including clients and prospects, to identify additional commercial opportunities
 7+ years of buy-or-sell side credit research experience, specializing in one or

more of the following sectors: Healthcare, Technology or Basic Materials
 Experience interpreting financial statements and performing quantitative

financial, cash flow, and liquidity analysis
 Knowledge of the Bloomberg Terminal required
160 Credit Analyst

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Resume Builder
 Collects customer information for the credit application and approval process
and submits to management for review, approval, or denial of credit
 Assists in conducting periodic account reviews to identify and follow up on key
accounts to ensure effective collection and customer service satisfaction
 Consults and advises management regarding the status of outstanding

accounts
 Monitors the status of outstanding collection activity to identify problem areas,

and adopts procedures to improve the overall collections process
 Assists in the development and administration of effective credit and

collections strategies and initiatives
 Utilizes branch resources, AE contacts and internal attorney demand letters to

support the credit and collections objectives
 Identifies accounts that are uncollectible; informs management of risks of lost

revenue or other anomalies; assists in the preparation and validation of bad
debt write-offs for uncollectable account balances
 Keeps detailed collection notes and recommends changes in customer terms

 Generates reports and analyses to help successfully manage past due accounts
 Assists management in assigning specific accounts to third party collection
resources; works with collection agencies on post-placement issues, provision
of additional information, settlement negotiations and suit approvals
 Maintains effective working relationships between iHeartMedia and vendors to

ensure credit and collection activities are consistent with iHeartMedia’s overall
customer relations
 Assists in managing bankrupt accounts, post-petition issues and the processing

of bankruptcy related documents
 May interface and partner with other business units as necessary

 May make collection calls to customers for past-due invoices and short-
payments
 Stress tolerance & flexibility especially when working under pressure and with
challenging clients
 Minimum 2-3 years’ experience in a similar position
161 Credit Analyst

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Resume Builder
 Handle accounts as assigned by Credit Manager
Prepare reports
 Professional with credit information for use in decision making
Resume Templates
 Set and maintain customer credit limits
 Assess credit history/worthiness to help make future decisions
 Perform ongoing cash collections
 Assist with order management and risk assessment
 Research and resolve customer disputes/charge backs
 Daily telephone calls to resole credit issues
 Elevate problems to appropriate level
 Correspond with assigned customer accounts on a regular basis to pro-actively
resolve credit issues
 Review comps/financial data

 2-5 years of successful commercial collection and/or credit experience
 Experience with credit worthiness determination and collections are required
 Microsoft office experience is required
 Jesta and/or GetPaid is a plus experience is desired
 Bachelor's Degree is desired
 Must be analytical, detail oriented, articulate and must be able to work
independently
 Excellent follow through skills

 Will be service oriented and have experience managing a territory of retail
customers
 Must pass criminal background check as a condition of employment
162 Credit Analyst

 Underwriting and documenting new credit requests and annual renewals for a
portfolio of clients, including the preparation of high quality counterparty
analysis. Associates are responsible for managing the credit approval process
by managing analysts to ensure quality of work, adherence to credit policy, and
timeline management of deliverables
 Time sensitive transactional approvals, for which a familiarity with traded
91 of 140 24-Jan-20, 08:29

products (some or all of: Fixed Income, Equities, FX, Credit Derivatives) is
Resume Builder
essential; liaison with all relevant units such as trading floor, market risk,
Create a Resumeand
operations, in Minutes
legalwith
 Interim monitoring of clients' financial performance, and other analysis and
reporting as required
 A willingness to undertake ad-hoc departmental project work and special

reporting tasks
 Ongoing monitoring and timely analysis of risk ratings, exposure for assigned
clients and compliance with terms and conditions, as well as ensuring
adherence to all aspects of prevailing credit policy
 Developing a working understanding of loan products (Bilateral and Syndicated

Loans, Letters of Credit, Term Loan) and negotiating legal documents, including
term sheets, credit agreements, trading documentation and amendments
 Strong credit risk analysis comprising risk-based and conclusion-oriented

analytical skills
 Experience with credit analysis of insurance counterparties is essential

 Knowledge of issues relating to industry risk, transaction risk, an awareness of
country risk factors, reputation risk, and operational risk
 Good communication skills, both written and oral - ability to be concise and
with attention to accuracy and detail
 Able to quickly absorb and follow credit policies and procedures

 Strong understanding of standard Banking products in the lending and
derivatives space
 Strong work organisational skills with an ability to prioritise and work under
pressure to ensure commitment deadlines are met. Ability and willingness to
work as part of a team is essential
 Basic understanding of standard credit-related documentation i.e. ISDA/CSA,

LMA Standard (Investment Grade and Non Investment Grade) would be
preferred
 Good interpersonal skills and team player with a proactive attitude and ability
to think independently and laterally
 Experience in working within, or supporting an active trading business

 Desire to strengthen credit skills under guidance, and progress within the
expanding Financial Institutions area of a major US bank covering EMEA banks
and Financial Institutions
 Previous Insurance experience preferred
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Credit Analyst
163 Resume Builder
 Support to gather customer credit information and assist the Senior Credit
Analyst and Director Corporate Finance to analyze credit data for all new
customers as well as for existing customers when periodic credit checks are
required
 Assist the Senior Credit Analyst and Director Corporate Finance as appropriate
to formulate recommendations on setting customer credit limits and
agreements for customers as well as to monitor existing customer’s credit limits
for reasonableness and regular review of the internal customer credit limits
 Support to coordinate escalated commercial matters from the Enterprise

Financial Service Center
 Assist Bad Debt/Settlement write off approval and provide assistance where
data and analysis where required to Sales and Customer Service for handling
customers disputes
 Support the Senior Credit Analyst and Director Corporate Finance in the
escalation process on collection issues to the appropriate individuals for
resolution
 Analyze data and provide support surrounding the internal process for
recommending and approving potential write-offs for customers
 Provide support to the Senior Credit Analyst and Director Corporate Finance as
directed with overall management of the working capital (Accounts Receivable
related)
 Support and co-ordinate activities on dispute management

 Assist the dunning process
 Local contact point for all credit related issues in own country and escalation
point for contacts across departments and the Regional Enterprise Financial
Service Center, the SDC (Shared Service Center in Poland) as well as the Head
Office in Burbank, LA
 Support the preparation of management reports and analyses

 Support internal and external Audits
 Liaise with customers and various departments (Sales, Customer Service or
Sales Controlling)
 Proactively work jointly with Sales Teams and Platforms to prevent new
disputes and to accelerate the resolution of existing ones
 Other tasks as required and assigned by the Senior Credit Analyst or the
93 of 140 24-Jan-20, 08:29

Director Corporate Finance
Resume Builder
 Minimum of 1-2 years experience in accounting, controlling
Create a Resume in Minutes with Createand/or financial
reportingResume Templates
Professional
 Working in a process-oriented organization
 Good knowledge of general accounting and reporting practices along Local-
GAAP and US-GAAP is a must, IFRS would be an advantage
 Good knowledge of and experience with SAP FI/SD

 Working in an ERP environment
 Fluent German in speaking, reading and writing
 Good English in speaking, reading and writing
164 Credit Analyst

 Maintain consistent standards for granting credit; establish open credit limits
and risk ratings for potential customers
 Focus on continuous improvement and implement cross-functional process

improvement opportunities
 Establish strong, proactive partnerships with other corporate departments

within the organization to minimize bad debt losses and improve service to
customers
 Maintain credit processes, identify risks and opportunities based on business

strategy and market conditions
165 Credit Analyst

 Business Acumen Working

 Business Valuation In-depth
 Conflict Management & Resolution In-depth
 Environmental Understanding In-depth
 Negotiation In-depth
 Sales & Service Processes In-depth
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Credit Analyst
166 Resume Builder
 Develop investment style and capability in a way that works for HSBC, its
strategy and values. The role requires involvement with the local investment
team, international analysts and portfolio managers
 Committee Memberships include the Liquidity Credit Approval Committee

 7+ years of experience analyzing liquidity issuers
 MBA and or CFA
 Work effectively: independently and in team environment
167 Credit Analyst

 Conduct thorough, objective and efficient industry and company research in

respect of increasingly complex financial and non-financial information,
including audited financial statements, public accounts and other relevant
management information
 Perform accurate and timely credit rating and peer analysis applying cash flow
models and forecasts
 Produce timely, high quality credit reports to support the assigned ratings,
documenting analysis and recommendations to be reviewed and updated by
the analytical team leader or senior financial analyst
 Present analysis at rating committee demonstrating good judgement in

communicating rating recommendations
 Conduct on-going monitoring and surveillance of assigned portfolios, including

rating changes, market/industry/regulatory developments, news events etc.
identifying early warning signs that need to be brought to committee for event
driven rating actions
 Keep up to date with relevant industry, market and professional developments

through continued professional development and learning, including, for
example, undertaking research, attending seminars, market briefings and
presentations etc
 Contribute to external presentations and seminars (including co-presenting),

and the writing of specialist or macro reports on selected topics
 Manage the relationship with rated companies, including leading management

meetings, communicating rating outcomes and effective management of
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expectations
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 Build a network of contacts in the insurance market (clients,
Create a Resume in Minutes with Createbrokers, regulators
and prospects),
Professional for the purpose of developing market intelligence
Resume Templates
 Provide on-the-job guidance and coaching to junior members of the team
delivering constructive challenge and feedback on work quality
 Proactively identify areas for performance or process improvement,

recommending actions and positively contributing to the implementation of
changes
 Developed knowledge of the Insurance market within Asia

 Developed knowledge of principles of finance and accounting
 Experience of conducting financial analysis, ideally within the insurance
industry, financial services sector, or a financial services consultancy firm
 Experience of supporting external seminars and presentations through the

provision of specialist technical or market knowledge and co-presenting
 Evidence of developing and managing professional relationships with external

stakeholders
 Evidence of using coaching and mentoring skills to help peers or juniors deliver
high quality outputs
 Preferably a math, accounting, financial or economics background, knowledge

of financial ratios, financial statement analysis
 Bachelor degree minimum entry requirement, ideally in Math, Economy,

Finance, Business, Accounting
 Additional relevant professional qualifications are welcome (MSc / MA / MBA /

CA / CFA, etc.)
 Continuing education is required

 Developed analytical skills and knowledge of financial markets and
economic/industry trends
 Strong written and verbal communication skills in English (all rating reports are
written in English; team meetings and telephone conferences are held in
English)
 Self-starter and pro-active in bringing new ideas and solutions to the table and
aggressively seeking knowledge
 Must demonstrate ability to manage own time efficiently and effectively, and
be able to multitask,
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Credit Analyst
168 Resume Builder
 1-2 years of experience in an analytical role within the financial sector
 Bachelor's Degree in Finance, Accounting, or Economics preferred
 Good quantitative analytical skills
169 Credit Analyst

 Deliver Fanatic Customer Service: Always Exceed Customer Expectations

 Analyze financial statements; provide ratio analysis and cash flow analysis for
lender evaluation
 Gather information from all relevant and necessary sources to provide accurate
analysis
 Prepare narratives from analysis that focus on strengths and weaknesses of

proposed credit
 Respond to credit inquiries in writing

 Attend Credit Committee meetings as non-voting member to facilitate
discussion of financial concepts involved in credits before committee
 Ensure all material is properly prepared for credit committee

 Keep abreast of developments in the field through reading and seminars
 Ability to multi-task in fast paced and changing environment
 Excellent communications skills, written and oral
 Competent problem solving skills
 Ability to perform job functions accurately and with attention to detail
 Ability to multi-task and remain organized
 Ability to maintain confidential customer and Bank information in a responsible
and secure manner
170 Credit Analyst

 Review, analyze and underwrite commercial loan applications

97 of 140 24-Jan-20, 08:29
 Prepare written loan presentations for new loans, loan renewals and loan
Resume
extensions, Builder
detailing the borrower's credit worth and bringing attention to any
Create a Resume in
deficiencies in Minutes Create
with or exceptions to the Bank's loan
the credit
policy
 Perform annual review of loans and lending relationships, ensuring adherence
to loan policies and prudent underwriting criteria
 Prepare written credit comments analyzing year-end financial statements or

interim financial statements
 Spread financial statements, analyze financial statements and perform collateral

and cash flow analyses
 Research and prepare comparable property sales and/or rental information for
all properties taken as collateral
 Deal effectively with customers, visitors, third party vendors, employees and
officers, in person, via e-mail and on the telephone
 Collaborate with the Lending Officer to ensure accuracy of narrative

 2+ years of commercial banking analyst experience or similar experience
 Formal credit training preferred, but not required
 Strong math skills required
 Proficiency in Microsoft Word & Excel and with industry specific software
applications
 Must have a consistent upward work history
171 Credit Analyst

 Be a part of the work we do to enable progress around the globe

 At Citi, we have a drive to help clients move from ambition to achievement
that’s been in our DNA for over 200 years. Our company has been one of the
foundational components of today’s modern financial infrastructure—this gives
us a level of unmatched expertise in tackling the world’s most complex
challenges and connecting across capabilities to enable lasting progress for our
clients
 We attract and nurture local talent from all over the world, ensuring our people
are both deeply attuned to regional needs but also bring a global mindset to
help clients, communities and nations move forward. Our culture is fueled by
men and women with the passion to push beyond borders and boundaries, and
the wisdom and courage to do what’s right
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 Citi’s Commercial Bank embodies our unique purpose as the global bank of
Resume Builder mid-sized companies who see us as trusted thought
choice for trade-oriented,
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in an increasingly complex world, client-centric
solutions for long-term growth and pave the way for them to reach across
borders and achieve their global vision
 The ability to understand the part they play in building a strong CCB culture
that enables our teams to deliver remarkable experiences to our clients
 The ability to thrive in an entrepreneurial organizational structure and add value

by bringing an optimistic, proactive approach to the work they do
 The ability to go beyond immediate business silos to build their network

 Confidence and drive to own developing high quality, client ready information
with strong attention to detail
 The resilience to adjust plans and priorities when necessary to meet evolving
client and business needs
 Ability to embrace new technology and understand the role digital plays in the
experience we deliver for our clients
172 Credit Analyst

 Credit initiation for SME/MME customer acquisition and monitoring and

responsible for all new customer exposures, as well as providing the business
with vital "early warning" signals on the financial health of all accounts being
maintained by Commercial Banking Group
 CA/MBA with credit initiation experience preferred

 Strong analytical and work organization skills
 Effective verbal & non-verbal communication
173 Credit Analyst

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 Minimum 5 years of credit analysis or financial analysis experience required
MinimumResume
 Professional 5 years of experience in a banking or financial services environment
Templates
required
 Represents basic qualifications for the position.To be considered for this

position you must at least meet the basic qualifications
174 Credit Analyst

 Good stress resistance

 Ability to work independently and manage time efficiently
 Good communication skills with the ability to interact with all levels of the
organization, as well as external customers
 Strong computer skills in Microsoft Office, Excel (intermediate to advanced)

and on-line systems
 4-year university degree or equivalent diploma in economic or financial area

 Minimum of 2-3 years exempt experience in credit on similar position
 Ability to interpret financial statements, calculate ratios and understand
commercial credit reports
175 Credit Analyst

 Produce reporting to monitor and provide insight across the customer journey
and lifecycle, making recommendations to change current processes and
strategies
 Provide insight to and set expectation for portfolio and segment trends
through targeted analysis and forecasting
 Work closely with colleagues across the group

 Degree from a top university/college or equivalent
 Highly proficient modeling in SAS
 Extensive and relevant experience of credit risk roles at a consumer lender
 Reporting and presentation experience
100 of 140 24-Jan-20, 08:29

 Ability to work in an extremely fast paced start-up environment
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 Ability to address analysis requirements and outputs with a senior management
team
176 Credit Analyst

 Strong Microsoft Excel skills, particularly with V-lookups

 Knowledge of SOX/SOP compliance
 Experience with Pivot Tables
177 Credit Analyst

 Strong financial modeling skills

 Experience with MS Excel required, Argus experience a plus
 Ability to work on multiple diverse projects simultaneously
 (For Internal Hires Only) Familiarity with Bank systems such as Risk Analyst,
AFS, CSS, CLAS
178 Credit Analyst

 Hold a bachelor's degree in a relevant discipline

 Must have experience in Leveraged/Infrastructure/Project Finance
 Possess a working knowledge of market structures and dynamics
 Be familiar with complex legal documentation and structures (term sheets,
financing and derivative agreements)
 Be fluent in spoken and written English (an additional European language

would also be looked upon favourably)
179 Credit Analyst

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 Work directly with Senior Vice President of Credit, Chief Credit Officer, and
Chief Risk Officer to develop and generate asset quality reports for internal
management and outside investors
 Coordinate and report all internal credit rating changes. Work directly with
bank operations department to ensure rating information is updated properly
on internal systems used for reporting
 Generate and provide asset quality information used by federal regulators for
quarterly on-site visits
 Assist various departments within the bank in the completion of monthly

reports and ADHOC requests as needed
 Provide guidance to retail staff on lending policy and procedures
180 Credit Analyst

 Provide interpretation of financial statement analysis and results of peer

comparisons
 Prepare financial statement spreads and loan portfolio management

reports/analysis
 Assist Commercial Bankers in loan request discussions with existing and

potential borrowers
 Assist Commercial Bankers with follow-up for covenant violations, monitoring

financial statement submission maturity date renewals and past due reporting,
and loan underwriting
 Follow all established policies and procedures in completing the essential

duties
 Follows bank's goals, mission, vision, and values

 Understands and complies with all bank procedures, laws, and federal
regulations
 Completes all required and ongoing education and training
181 Credit Analyst

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 Conduct thorough, objective and efficient industry and company research in
respect of financial and non-financial information, including audited financial
statements, public accounts and other relevant management information
 Perform accurate and timely credit rating and peer analysis

 Present analysis at rating committee
 Conduct on-going monitoring and surveillance of assigned portfolios, including
rating changes, market/industry/regulatory developments, news events etc.
under the support and guidance of the analytical team leader or senior financial
analyst
 Communicate effectively and professionally with clients in respect of

information requests and rating decisions, actively participate in discussions at
management and other meetings
 Maintaining accurate and timely records of ratings documentation in

accordance with AM Best policy
 Be knowledgeable in and follow the policies, procedures and rating criteria

used in rating and project work related to your functional area and regulatory
requirements
 Contribute to initiatives to help improve the business process

 You may be required to participate in business travel as required by your
assigned portfolio
 Bachelor degree minimum entry requirement (ideally in Economics, Finance,

Business or Accounting)
 At least three to five years' experience within the insurance or financial services
sector
 Solid understanding of financial markets; economic / industry trends, financial

ratios and financial statement analysis
 Excellent communication skills (written and verbal) in English

 Fluency in Mandarin
 Knowledge of Asian economies and culture is preferred
 Excellent interpersonal skills; superior time management skills; the ability to
absorb ideas and facts quickly while maintaining a strict eye for detail
182 Credit Analyst

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 Fundamental Research & Credit Analysis: Evaluate counterparty credit quality
to assign probability of default and recovery ratings and set risk limits
 Support Loan Evaluation & Approval: Assist in responding to banking requests
for lending to regional corporates and financial institutions. Evaluation includes
fundamental credit analysis and financial modeling, preparing credit committee
presentation and presenting case to internal approvers and capital commitment
committee
 Support Trade Evaluation & Approval: Assist in responding to trader requests

to approve derivative transactions and open trading accounts with new
counterparties. Assist with exposure analysis, evaluation of legal and
documentation requirements, and the negotiation of credit terms. Maintain
record keeping of approvals
 Sector Analysis: Evaluate industry trends and recommend action plans to

manage sector and individual name exposure based on the outlook
 Backlog Management: Keep credit reviews of assigned portfolio current

 Prepare management presentations related to regional credit risk portfolio
 Undergraduate degree, preferably in Finance, Accounting, Business
Administration or Economics. Advanced degrees and/or CFA certification are
not required but considered a plus
 3 - 5 years of credit-related experience in financial services

 Solid understanding of capital markets products, including securities, OTC
derivatives, secured financing transactions and loans
 Experience with financial modeling highly desired

 Fluency or proficiency in Spanish; Portuguese as plus
 Successful candidates will be well-organized, detail-oriented and have
demonstrated ability to thrive in a complex, high-energy capital markets
environment
183 Credit Analyst

 Excellent team player who is very comfortable working as part of a larger team
located in different locations
 Experience in credit risk management, preferably in a multinational company

 Organized, detail-oriented, and ability to multi-task with limited supervision
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 Strong team player who creates synergy within the group and is able to thrive
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under pressure in order to meet deadlines
Strong analytic
 Professional and problem-solving abilities
Resume Templates
 Excellent communication, negotiation and public speaking skills
 Strong interpersonal skills such as integrity, assertiveness, initiative
 Organized and thorough with desire for continuous improvement
 Experience working with outsourced services team is a plus
 Experience with Oracle is a plus
 Minimum 2 years' experience in a credit risk management role
184 Credit Analyst

 Assessing the accuracy of multi-dimensional risk grades, financial statement

spreads and other data used in determining risk grades
 Performs ongoing quality control checks to determine the accuracy of multi-

dimensional risk grading done by centralized processing groups and other
lending units within the Bank
 Tests compliance to department and Bank standards and procedures

 Establishes and maintain processes and procedures for documenting findings
 Provides monthly reports to management regarding quality control and other
findings
 Makes recommendations to improve risk management process

 Requires a Bachelor's in business, finance, accounting or a related field
 2+ years general commercial type lending or other directly related experience.
A combination of education and experience may meet requirements
 Ability to work with lending personnel and management

 Requires solid interpersonal skills
 Ability to meet deadlines. Must be self-motivated, detail oriented, and results
driven
 Working knowledge of various software programs, including word processing,

spreadsheets, etc
 Banking experience for C&I, CRE, and Private Banking environments preferred
 Preferred knowledge of Moody's Risk Analyst, Tax Analysis or similar
applications and multi-dimensional loan risk grading systems
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 Must have solid analysis and audit skills
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185 Credit Analyst
 Prepare Asset Writing Memos (AWM) for Authorized Point status clients
 Prepare Financial Monitoring Dairy Notes (DN)
 Annual Review Credit Memorandums (ARCM)
 All other credit management activities as identified by Credit and Capital
Management (CCM) from time to time
 Responsible for write-up of IIB credit proposals by working closely with

Frontline and Risk. Comprehensive credit memo/diary note coverage covering
all key analytical areas – risk rating, financials, recent news, economic,
political/regulatory environment and views from rating agencies/other research
institutions
 Personally develop and maintain strong working relationships with Business

(RM's and R&A Associates) and Risk Executives to ensure all key risks are
properly recognized and thoughtfully mitigated in credit proposals
 Adherence to internal group policies, procedures and processes

 Reduce regional variations in the templates, procedures and policies by
adopting a globally consistent framework in the hub
 Play an active and constructive role in identifying opportunities to improve the

efficiency and quality of credit process
 Engage in the development, implementation, review and monitoring of various

credit programs
186 Credit Analyst

 Monitoring exposure and implementing adequate risk mitigation solutions

 Managing and developing customer relationships
 Implementation of Group Credit policies
 Handling loan applications both personal and corporate
 Liaising with 3rd parties on all relevant data and information
 Approving loan applications on an individual and group level
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 Working closely within a credit analyst team
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 Monitoring changes to market and industry regulations and requirements
 Professional
Reviewing Resume Templates of loan book on a regular basis
and upgrading
 Bachelor's degree or equivalent preferred, FINANCE OR ECONOMICS

 Minimum of two years experience in Credit Analyst, FX, Foreign Exchange, Risk
Management, Commercial Credit, Forex, Risk Analyst, Financial Services,
Accounting etc
 Strong computer skills, including a familiarity with MS Office including Word,

Excel, and Outlook at an intermediate level
 Knowledge of credit exposure methodologies and of manipulating and

analysing data
187 Credit Analyst

 Conduct credit research & analysis on large Hong Kong large corporates, SME,
and PRC Financial Institutions, analyze historical financials and write high quality
credit rationales
 Identify and escalate any risk to management and advise on relevant measures
 Have at least 2 years of relevant credit risk management experience
 Independent and a self starter, detail oriented
 Have sound knowledge in the large corporate, SME clients
188 Credit Analyst

 Take an active involvement in the analysis of complex restructuring (and lending

where applicable) scenarios, incorporating internal & external Bank borrowings
across multi product exposures
 Assess and review customer information and work within the team to
determine the optimum solution for the Bank incorporating protection of the
Banks capital base
 Work closely within the team to provide end to end delivery of debt
restructuring, including portfolio and customer relationship management, while
taking joint responsibility for delivering on a set of challenging targets
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 Analyse issues associated with the resolution of a customer's facilities, most
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notably repayment capacity, security and fulfilment, demonstrating the capacity
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in Minutes with discipline advice and knowledge
on expert/cross
 Demonstrate a strong understanding of regulation associated with lending and
restructuring, most notably SME, CCMA and CPC. Also, ensure to be fully
versed in all products, policies and procedures associated with the role
 Work with the team to manage the risk associated with the assigned portfolio
ensuring that the general risk management tasks, including but not limited to
provisioning, grading and arrears management, are followed in compliance with
Bank policy and procedures
189 Credit Analyst

 Establish and manage credit limits, key risk data and working capital metrics
 Prepare/present monthly reports and analysis of departmental KPI’s
 Prepare weekly cash flow forecast and schedules to support the borrowing
base certificate
 Coordinates with all levels of management to gather, analyze, summarize, and

prepare recommendations regarding financial plans and forecasts
 Makes recommendations to management regarding cost saving or profit

generating opportunities and profitability improvement strategies
 Serve as a primary liaison for the Credit Team regarding escalated concerns
 Work across the Finance team and business to advance analytics and reporting
 Participate in 2-3 projects annually aimed at continuously improving the
business/department
 Provide ad hoc financial analysis as needed

 Bachelors degree in finance or accounting required
 3+ years of progressive work experience in credit and/or finance to include
prior experience with financial statement analysis, portfolio risk management,
working capital analysis, or bank credit underwriting
 Comprehension of credit/AR policies as it relates to both theory and practical

application
 Must have strong analytical and problem-solving ability; data-mining, modeling

and reporting skills
 Demonstrated experience making decisions, dealing with ambiguity, and

108 of 140 24-Jan-20, 08:29
influencing others
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 Polished communicator, comfortable interfacing with Create
and influencing leaders
and various
Professional stakeholders
Resume Templates
 A forward-thinking, self-motivated individual with a strong desire to improve
processes and drive change
 Enhanced credit and business acumen, not only with the ability to assess
creditworthiness, but also to understand and apply other factors/solutions in
decision making
 Adept at reviewing financial and other key data, noting trends and interpreting
for vested parties
 Requires ability to perform advanced spreadsheet modeling and maintenance

in Microsoft Excel
 Requires advanced understanding and use of Microsoft Word and PowerPoint

 Must possess the ability to quickly learn system data-mining processes
 Desire and ability to learn, grow, and develop into leadership roles
190 Credit Analyst

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 Ongoing monitoring of the credit-worthiness of the portfolio, including using a
variety of media as well as ongoing direct contact with clients
 Assess credit risk ratings and limit structures of FIs
 Detailed credit analysis of financial information including published and
management reports, financial models and appropriate sensitivity scenarios
 For new clients, provide input on the credit terms of and support the
negotiation of legal documentation, which includes GMRA, GMSLA and ISDA
with and without CSA
 Experience of working in a regulated environment in Financial Services

 Must be highly numerate, with a level of experience in credit analysis including
with financial institutions and with a particular focus on global markets and
derivative products
 Have a sound grasp of International Accounting Standards and familiar with the
principles of financial ratings
 Have good understanding of transaction and security documentation

(particularly GMRA and ISDA) and the implications with regard to the Bank's
ability to take action
191 Credit Analyst

 Credit Decision
 Knowledge of credit process & policy
 Superior customer service ethic
 Asset finance experience preferred
192 Credit Analyst

 Requires a Bachelors degree in Finance or a similar field and 2+ years working

experience
 Knowledge of the credit analysis process and how it relates to a sales

environment
 Extensive knowledge of financial spread analysis and credit/lending procedures
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for very complex loans in specialized market segments
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 Ability to make sound decisions and recommendations regarding loans in Minutes (/resume-
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 Professional
Contributes Resume Templates
to the development of new credit theories and methods
193 Credit Analyst

 Complete AR reconciliations including cash, gross billings & gross to net

 Ensure key functional interfaces have an understanding of AR process
requirements
 Remittance interpretation
 Preparation for Audit
194 Credit Analyst

 Bachelor’s degree required, major in business, finance or accounting desired

 CA-III: Four (4) years of credit analyst experience with two (2) years at a FI of
$500M+
 CA-IV: Superior expertise demonstrated at loan analysis and ability to handle a

variety of complex loans
 Solid skill set in the use of Microsoft Office Suites

 Significant experience with Fiserv/ITI software Required
 CA-II, III, IV: Strong understanding of collateral and loan documentation and
application of credit analysis techniques
 Strong interpersonal skills including the ability to write letters, reports and
other correspondence,
 Ability to speak effectively with customers and lenders
195 Credit Analyst

 Perform financial and credit analysis of names within coverage sectors
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 Monitor market developments and quarterly financial performance of names to
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determine credit pricing impact
Assist in Resume
 Professional gathering and analyzing industry and macro data to identify trends and
Templates
help develop broad views of corporate credit and sector allocation
196 Credit Analyst

 Will have 1-2 years' experience in Banking

 QFA/APA qualification an advantage but not essential
 Will ideally be educated to graduate level or equivalent
 Be professional with a strong focus on delivering high levels of customer
service
197 Credit Analyst

 Associates or Bachelor of Science in Business/Accounting or comparable

experience required
 At least 3-5 years' experience in a credit function with a detailed understanding

of credit, invoicing, and AR processes
 Must be proficient with Microsoft Excel

 Must be familiar with credit and debit memos
 Detailed working knowledge of Oracle JD Edwards or comparable ERP system
 Knowledge of NACM and D&B
 Ability to communicate with other departments in both verbal and written form
 Most have strong analytical skills
 Ability to multi-task and be able to work well in stressful situations
 Professional personal presentation
 Responsible for reconciling customer accounts via phone or email
 Resolve outstanding deductions, overpayments, and open credits with
customers
 Investigate customer credit applications and make recommendations to Credit

Manager
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 Review credit reports from Dun & Bradstreet (D&B) and National Association of
Resume Builder(NACM)
Credit Management
Initiate mechanics
 Professional liens as necessary
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 Follow company credit policy when establishing customer credit limits
 Support the processing of cash receipts, returns, and credit and debit memos
 Prepare monthly analysis of management review
198 Credit Analyst

 Requires a Bachelor's in finance, business, accounting or a related field and

some credit/financial analysis, lending, underwriting or other directly related
experience
 A combination of education and experience may meet job requirements. Basic

knowledge of financial and spread analysis, credit, lending and underwriting
processes and principles
 Some experience working with various types of loans

 Basic knowledge of credit risk, legal and regulatory requirements
 Good client relationship and communication skills, both verbal and written
 Working knowledge of computer software programs including spreadsheets,
word processing, etc. required
199 Credit Analyst

 Assessment of and deciding on the credit risk of both new and existing retail
mortgages accounts
 Preparation of Credit Applications and working closely with line managers prior
to presenting to Credit Committee for decision
 Preparation of Loan Offers

 Carrying out Quality Control Checks on both data and credit criteria
 Liaising with peer departments and 3rd parties (accountants, valuers etc) to
obtain relevant information to assist with the decision making process
 Provision of daily / weekly control reports and analysing same for

improvements
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 Ensuring adherence to KBC's Credit Criteria, Policies and SLA's and ensuring a
Resume
high level ofBuilder
accuracy and standards are met at all times
Computer
 Professional literate
Resume with a competent knowledge of Microsoft Excel, Word and
Templates
PowerPoint
200 Credit Analyst

 Minimum of 2-3 years experience in a credit/lending environment including

analysis of self employed applications is a must
 Strong ability to analyse data and make decisions on loan applications

 Exceptional verbal and written communication skills with the ability to
communicate to various levels of management and business partners effectively
 Commitment to ensure work is delivered on time and in the highest quality

 Work both independently and as an effective team member
201 Credit Analyst

 Prepare & review credit lines for maintenance & new customers. (D&B, DSO,
Trades, etc)
 Bachelor's degree required in Business Administration or Accounting

 3 - 5 years experience collecting in a wholesale environment is required
202 Credit Analyst

 Determines cash flow using appropriate tax analysis

 Prepares summaries, presents facts, and offers opinions concerning credit-
worthiness
 May provide rates and loan information to clients

 Ensures that all credit files include proper documentation including current
financial statements, agency reports, etc
 Maintains control over current accounts, noting payment progress, watching for
114 of 140 24-Jan-20, 08:29
any developing problems, and keeping loan officers informed
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 Writes credit memorandums
 Professional
ConductsResume Templates
industry research
 Assists with special projects as assigned
203 Credit Analyst

 Thorough knowledge of and demonstrated ability to calculate amortization

schedules
 Knowledge of CFSC’s financing and leasing products

 Knowledge of past due account collection techniques
 Knowledge of UCC filing requirements and their applicability to bankruptcy
laws and regulations
 Demonstrated ability to concentrate on results while being flexible to achieve

goals. Has a sense of urgency and willingness to accept accountability
 Demonstrated ability to develop and maintain good interpersonal relationships

working effectively with others inside and outside the company
 Demonstrated ability to strive for quality as well as timeliness maintaining

perspective as to the outcome of the decisions
 Demonstrated ability to learn and takes proactive steps to increase knowledge

showing a commitment to the business
204 Credit Analyst

 Prepare written counterparty annual reviews/credit proposals for submission

and presentation to management providing appropriate recommendations
 Interact with counterparties to conduct due diligence and obtain relevant as

well as salespeople and traders covering a multitude of products in order to
determine trading requirements and limit types
 Monitor counterparty credit quality on an ongoing basis and evaluate

transactional risks associated with various trading activities
 Perform other tasks as needed
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Credit Analyst
205 Resume Builder
 Perform credit review and risk assessment of the new transactions/clients
/limits, including pre-review of the potential new clients
 Prepare credit report as a basis for a credit decision on the transactions

including contract extensions/roll overs/modifications etc. according to the
valid approval matrix
 Perform client rating calculation and review, including update on the external
rating changes
 Conduct timely review of performance of regular customers and maintenance

of early warning signal database
 Co-operates with Credit Monitoring team in defining appropriate strategy for

watch listed customers
 Participate in the definition of the credit approval standards, templates and

tools and ensure their consistent utilization
 A minimum of 3 years of experience in Credit or Risk Management in a banking

or financial services environment
 Profound knowledge of FX payments and derivative products

 Good knowledge of banking operations, functions, products and processes
206 Credit Analyst

 Research experience of Consumer Cyclical and Non-cyclical sectors is preferred

 Holder of Chartered Accountant and/or Chartered Financial Analyst
qualifications is welcome
 Good degree gained from an academic institution
207 Credit Analyst

 Minimum of Two (2) years of credit analyst experience within a Commercial

Bank environment
 Solid expertise demonstrated at loan analysis and ability to handle a variety of
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complex loans
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 Solid understanding of collateral and loan documentation andaapplication
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Templates
208 Credit Analyst

 Reviews and approves, modifies or declines retail collateralized transactions

within established credit authority
 Makes recommendations to management on proposals beyond the analyst’s

credit authority
 Prepares fleet credit proposals

 Actively participates in evaluating customer credit quality and ongoing financial
stability
 Follows up on completed applications

 Performs retail and wholesale financial analysis
 Minimum of two years’ credit and finance experience
 Heavy equipment or commercial lending and dealer network experience highly
desired
209 Credit Analyst

 A BS/BA degree (Business, Finance & Accounting preferred; all majors

considered)
 Typically a minimum of two (2) years of credit analyst experience

 Completion of a major corporate bank credit training program (or the
equivalent corporate banking/corporate finance experience)
 Experience in building and maintaining positive client relationships

 Superior analytical, quantitative, leadership, interpersonal and written/verbal
communication skills
 Keen attention to detail and creative mindset

 Proven ability to multitask and meet deadlines in a fast-paced environment
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Credit Analyst
210 Resume Builder
 Analyzing financial and operating statistics on specific issuers and sectors
 Preparing financial models (historical and projections) for specific issuers, with
proprietary analytical forecasts
 Reviewing and analyzing economic, market, industry/sector, issuer and/or bond

specific market data of importance
 Utilizing quantitative and qualitative information obtained to determine

financial and competitive advantages of companies in the coverage universe
 Develop and write opinions on fundamental credit trends and ratings forecasts.
Provide recommendations on specific sectors and individual securities based
upon credit analysis and assessment of credit risk
 Summarizing company meetings, sell-side presentations and earnings

conference calls, as needed
 Informing portfolio managers/client service on major company or sector news

events, rating actions etc
 Interact with portfolio managers and client service teams to support client
requests
 Minimum of 5 years experience covering the TMT sectors

 Strong fundamental analysis skill, with an ability to translate fundamental credit
opinion into relative value recommendations
 Analyze and assess corporate and financial structures, covenants and other deal
terms
 Knowledge of current events/trends impacting Consumer non-cyclical business

issues (i.e. macro-economic, socio-political, industry, etc.) is required
 High analytical orientation, conceptual skills and practical handling of market

databases
 Strong ability to communicate concisely orally and in writing

 Strong ability to manage and prioritize numerous tasks simultaneously
 Ability to work with both a high degree of independence and as part of a team
across locations
211 Credit Analyst

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 A business, accountancy, engineering, numerical qualification applicable to the
role
 At least 4-5 years of proven credit analysis experience within the airline,
shipping, investment banking or commercial lending environment with strong
credit review and /or risk analysis exposure a must
 Dynamic self-starter / self-motivated

 Strong numerical, analytical and commercial capability
 Ability to speak, write and read in Mandarin is preferred
 Insightful communication and report writing skills
 Excellent presentation and organisational skills
 Capable of working under own initiative
 Capable of making decisive decisions - 'no second guessing'
 Willingness and capability to travel extensively
212 Credit Analyst

 Experience in a similar credit analysis/reporting role

 Qualified to A Level Standard or above
 High Standard of Excel Skills
 Experience of data analysis, manipulation and reporting
213 Credit Analyst

 Analysing credit risk for the purpose of assessing credit appetite, assigning
credit limits and ratings
 Taking ownership for reviewing and monitoring a portfolio of counterparties

 Follow, monitor and escalate market trends and news events which may impact
the credit quality of the counterparties covered
 Active and collaborative engagement with businesses to identify measure and

manage counterparty risk, reviewing and analysing trading counterparties and
transactions to ensure that they are well structured, meet appropriate return
119 of 140 24-Jan-20, 08:29

hurdles and have risk appetite appropriately determined
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 Making recommendations to senior management
 Professional
AssistingResume
in the Templates
negotiation of credit terms in relevant documentation in
accordance with market conventions
 Identifying productivity improvements to current processes
214 Credit Analyst

 Negotiating financial transactions and prepare transactions for documentation

within limits of credit authority
 Visit customers from the Southern Cone to complement financial reports and
analysis
 Perform country risk reports for the different countries in the Southern Cone,
to determine risks, opportunities, new businesses and current situation of CFSC
 Receipt of Financial Statements, have an interpretation ability, review and enter

them in the respective software with the corresponding breakdown
 A 4-year university degree and a minimum of 1 year experience in credit,

and/or financial statement analysis. (Comercial or Civil Engineering)
 Advanced written and oral English communication skills. (To be evaluated

during the interview)
 Knowledge of financing principles

 Knowledge of financing and leasing products
215 Credit Analyst

 Creating and maintaining credit history files

 Managing collection efforts/calls for the assigned portfolio
 Documenting daily collection activities
 Researching account disputes and billing discrepancies in conjunction with
customer service
 Performing account and payment reconciliations

 Risk assessment for new and existing customers
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 Identifying delinquent accounts requiring external collection efforts
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 Participate in department projects
216 Credit Analyst

 Responsible for judgmentally decisioning new credit card applications and

credit line increase requests using Barclay’s lending philosophy
 Assess credit/fraud risk on each application

 Make outbound calls as necessary to develop additional information & to
facilitate final disposition of applications
 Process inbound calls from customers and/or other Barclays associates

 Identify trends/issues on a daily basis and bring to the attention of the
management staff
 Participate in side by sides with newly hired colleagues
217 Credit Analyst

 Responsible for judgmentally decision new credit card applications using

Barclay’s lending philosophy
 Analysts are required to assess credit/fraud risk on each application they

decision
 Makes outbound calls as necessary to develop additional information to

facilitate final disposition of applications
 Process inbound calls from customers and/or other Barclay’s associates

 Work on management approved projects that will improve efficiency
 Contribute to new hire and reoccurring education
 Assist with user system testing and other special projects as assigned
 1+ year experience in a customer service environment
218 Credit Analyst

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 Prepares credit analysis and investigation of new and renewed commercial loan
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requests and provides the necessary documentation and financial facts for
Create
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Officers
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credit structure
and terms for potential borrowers
 Provides analytical functions relating to due diligence, document processing,

and financial statements analyses related to transactions, credit approval, and
renewals. Prepares summary documenting factual analysis and supporting
information for credit decision recommendations
 Monitors and reviews REACT reports and works with Entertainment

Relationship Manager to obtain necessary information to ensure that reporting
requirements are met
 Prepares CRR based on meeting with Relationship Managers and/or Credit

Officers,
 Recommends proper loan documentation and loan structure for less complex
and moderate credits
 May contact borrowers directly for additional information and details related to
loan requests
 May makes client calls to obtain all necessary information and clarification on
financial analysis materials and resources
 Works with attorneys and other financial and legal resources to obtain correct
and accurate documentation to protect the bank's interests in the credit
relationship, and existing credit arrangements
219 Credit Analyst

 To provide the highest standards in customer relationship management to a

portfolio of customers across a number of sectors
 To develop positive and professional working relationships with key internal

and external teams
 Achieve KPI's which will include both restructuring and management of

restructured portfolio of customers
 Provide support to the wider team as required

 2years' + experience of working in a lending and / or restructuring area of a
financial services company is highly desirable
 QFA Qualified or APA Qualified in: Housing Loans, Home Reversion

Agreements and Associated Insurances; Consumer Credit and Associated
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Insurance
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 Evidence of building and maintaining relationships with customers in a in Minutes (/resume-
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challenging
Professional andTemplates
Resume fast paced environment
 An ability to prioritise and plan to effectively achieve goals and to be

dependable in consistently delivering reliable results
220 Credit Analyst

 Providing appropriate credit restructuring solutions to our customer base

across Personal, SME, Corporate and Property Sectors
 2-3 years' experience of working in a lending and / or restructuring area of a

financial services company is highly desirable
 QFA Qualified or APA Qualified in

 Housing Loans, Home Reversion Agreements and Associated Insurances
 Consumer Credit and Associated Insurances
 Proficiency in Microsoft Word, Excel and Outlook
221 Credit Analyst

 Four (4) years of credit analyst experience with two (2) years at a FI of $500M+
 Superior expertise demonstrated at loan analysis and ability to handle a variety
of complex loans
 Strong understanding of collateral and loan documentation and application of

credit analysis techniques
222 Credit Analyst

 Optimize credit opportunities by assisting our Branch partners in adjudicating,

deal structuring and authorizing credits
 Maintain good relationships with partners including responding to questions

and concerns in a timely manner
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 Protect the interests of the Bank by ensuring credit is being adjudicated in
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accordance Builder
with assigned discretionary limits and established policy guidelines
Escalate Resume
 Professional with recommendation
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discretionary limits and established guidelines
 Fluent knowledge of English and French and strong writing skills in both
languages
 Strong knowledge of various TD platforms

 Strong knowledge of TD's Small Business products
 Strong credit acumen
 A good understanding of business financial statements
 Ability to multi-task and work within a fast paced environment
 Good organizational skills and detail oriented
 High level of computer proficiency
 High level of customer service
 Enthusiastic individual
223 Credit Analyst

 Has up to 3 years experience within a Credit Risk or Commercial/Residential

Lending environment
 Is qualified with a relevant 3rd level degree or a professional equivilant

 Has QFA qualifications or at a minimum APA
 Can bring excellent skills in both financial and credit analysis
 Is highly accurate with a keen eye for detail
 Brings strong analytical and numerical skills
 Is able to achieve results with a proven commitment to reaching desired goals
 Has excellent communication skills both written and oral
 Comes with a deep understanding of the compliance, regulation and codes of
conduct affecting the banking industry and the ability to find solutions to
adhere to these principles
 Can easily adapt to change and can thrive in a banking environment

 Can easily engage with other departments to support projects and processes
that impact our Client
124 of 140 24-Jan-20, 08:29

 Takes time management and prioritising very seriously
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 Is a strong team player who has the ability to work onCreate
their own initativein Minutes (/resume-
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 Professional
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224 Credit Analyst

 Understanding of Balance Sheets and profit & Loss reports for companies and
small businesses as well as commercial and personal tax returns
 Understanding of Working Capital as it applies to a business

 Previous experience in lending to business
 Previous experience where cash flow rather than ancillary security, supports the
lending decision
 Understanding of the ANZ Group Credit Policy

 Working knowledge of all legislation impacting credit assessment and lending
operations
 Previous experience working in a team environment

 Ability and experience in negotiating to achieve beneficial outcomes
 Experience in conflict resolution/dealing with difficult situations
 Understanding of key relationship drivers for all intermediaries
 Demonstrated ability to approve credit arrangements at moderate levels
 Developing negotiation skills to enable successful resolution of customer loan
applications/queries/complaints
 Sound verbal and written communication skills

 Proven time management skills and organisational ability
 Degree qualification or experience in an accounting/economics/finance related
discipline is advantageous
 Knowledge of ANZ Asset Finance’s credit policy

 Broad keyboard and systems application knowledge
225 Credit Analyst

 Associates/Baccalaureate degree in Business Administration or equivalent

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experience is desirable
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 Previous management of and responsibility for accounts receivable portfolio
 Professional
Working Resume Templates
knowledge of SAP FI/CO and Deduction Management System
226 Credit Analyst

 50% Perform and maintain credit analysis of counterparties. Perform industry

analysis as needed. Deal/transaction reviews and understanding of trading
structures, underwriting assumptions and business risks
 20% Understand current credit and risk assessment tools, risk measurement
and rating methodologies, including their underlying assumptions and potential
weaknesses. Challenge assumptions used in the application of the credit and
risk methodologies based on understanding of the TSF Business
 10% Assist on ad hoc projects defined by Risk Management

 Minimum of 3 years of financial credit analysis and business work experience
 Demonstrate strong analytical and critical thinking skills
 Negotiation and conflict resolution skills. Maintain and nurture relationships
with peers, traders and managers while retaining the ability to challenge them;
independent mindset
 Ability to manage multiple competing priorities & deliver on tight deadlines

 Demonstrate strong customer focus and desire to improve processes and find
solutions to meet customer needs
227 Credit Analyst

 Good verbal and written communication skills with ability to deal with sensitive
and confidential information
 Good computer skills, preferably JD Edwards or AS400 experience

 Working knowledge of MS Office, specifically Intermediate Excel experience
 SQL and SAS experience preferred, not required
 Provide effective customer service to internal and external customers
 Demonstrated knowledge and experience in reviewing and interpreting
financial reports and data
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 Ability to follow written procedures, policies and delegation of authority
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 Ability to multi-task under pressure
 Professional
Business Resume Templates
math and basic accounting knowledge
 Detail-oriented with an eye for continual process improvement
228 Credit Analyst

 Minimum of 3 or more years of directly related experience, preferably in

credit/collections
 Proficiency in written and spoken English and Spanish and/or Italian

 Requires knowledge of basic accounting principles and has excellent
knowledge of cash collection processes and risk analysis practices
 Excellent credit skills required in areas such as insurance, letters of credit,

financing, and legal environment
 Places a high priority on customer satisfaction

 Proficient in SAP A/R systems highly desirable
 Minimum 2 years in a multinational environment
229 Credit Analyst

 Responsible for collection of receivables on a portfolio of customer accounts

 Owner of AR reporting duties: review results, explain variations, provide
finance controller with AR Provision calculation
 Conducts periodic A/R reviews with Senior finance and Business Management
 Establish and maintain contact with customers concerning past due amounts,
payment trends, to improve corporate cash flow and perform resolution of
disputed invoices
 Provides payment application details to cash application team on customer

accounts
230 Credit Analyst

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 Minimum of 2 or more years of directly related experience, preferably in
credit/collections
 Experience with customer contracts and documentary trade transactions such
as L/C
 Experience with negotiations on collections, disputes and securitization
231 Credit Analyst

 Responsible for appraising credit risk of new and existing customers consistent
with the Refining & Marketing credit standard & policies
 Ensure timely and accurate recording of Accounts Receivables into the ledgers
 Ensure timely and accurate recording of Accounts Payables into the ledgers
 To ensure that all invoices are approved appropriately and paid on time
 To provide a helpdesk facility for any queries from Outsourced Service
Providers/suppliers/BP business staff
 To prepare and support documents for period close

 AR/AP Accounting experience > 3 years
232 Credit Analyst

 Monitor assigned portfolio of customer accounts to identify and resolve aged

balances
 Exercise credit holds based on department guidelines

 Complete NSF worksheet analysis and recommend action to resolve
 Release customer orders as required
 Update and review credit files
 Prepare and analyze exposure tracking reports
 Perform credit investigations in conjunction with new business
 Provide alerts and recommendations to Management based on credit file
updates and customer trends analyses
 Maintain portfolio database

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 Assist with special projects or other duties as requested or apparent
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 Bachelors degree in business, finance, or related fieldCreate a Resume in Minutes (/resume-
 Professional
Three or Resume Templates
more years commercial credit analysis with collections experience
 Able to spread and analyze financial statements and tax returns

 Attention to detail, ability to multi-task and strong analytical and problem
solving ability
233 Credit Analyst

 Processes and performs credit worthiness reviews on new and existing

customers as required to ensure in line with corporate policy, ensuring minimal
risk to the business
 Authority to approve new accounts within DOA policy guidelines

 Evaluation and assessment of credit worthiness for residential and commercial
applications
 Analyzing financial information such as statements, management accounts and

cash flow statements for existing customers for appropriate credit limit
assignment
 Analyzes credit exposures for commercial and residential accounts

 Supports the implementation of corporate credit policies and audit compliance
against them
 Establish and maintain relationships with internal and external clients; liaising
with other staff within the company such as account managers, CSR and branch
managers
 Prepares credit reports for management as required

 Responds to inquiries by internal and external clients to expedite credit
applications or credit limit increase requests
 Responsible for maintenance of customer master data integrity and reporting

 Interacts with management to advise and recommend changes to policy and
procedures
 Participates in special projects to improve credit systems, reporting and

processes
 Participates in a trade association industry group to gain better insight into the
industry and collaborate on credit issues (NACM)
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 Ability to work on multiple projects simultaneously and prioritize critical
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customer needs with limited supervision
Special projects
 Professional or back up for other team members as required
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 Degree in Accounting, Finance, Business or a related subject preferred
 5+ years of current work experience in a credit analyst role
 Position requires the ability to multi-task and be flexible to changing demands
 Detail oriented with excellent problem solving and decision making skills
 Reviewing and understanding credit reports. (DBNi, Kroll, Experian)
 Must be able to maintain confidentiality regarding customer and proprietary
information
 Able to work under pressure, meet deadlines and maintain orderly files and
demonstrate good judgment
 Advanced proficiency with MS Excel with advance skills with VLOOKUP’s, filters
& pivot tables
 Knowledge and the ability to analyze financial statements

 Credit & Financial Analysis experience
 Strong written and oral communication, interpersonal, and organizational skills
 Extended working hours may be required as directed by management and
business needs
 Participate in on-going training and compliance programs, both company and

department programs to ensure the integrity, safety, and customer service and
teamwork initiatives are met as set by management
234 Credit Analyst

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 Interacting with CFS senior managers to resolve serious repayment issues.
(Experience in Notes Receivable, Letters of Credit, Security Agreements and
other workout mechanisms a plus)
 Setting up new accounts and files, perform credit investigations, use

computerized scoring systems
 Strong systems (SAP), and analytical skills

 Prior credit experience in a large Corporate Setting, preferred
 Demonstrated organizational and follow up skills, with the ability to drive
results
235 Credit Analyst

 Bachelor Degree in Accounting/Finance preferred, or close to completion of

related field
 Minimum 5 years of commercial credit and collections experience, or equivalent

combination or work and educational experience
 SAP knowledgably and open to learn other ERP systems

 Experience with GetPaid in both collections and dispute modules
 Proficient in MS Excel and strong computer skills
 Motivated to perform own assignment and assist the Credit team where
possible
 Clearly expresses oneself orally and in writing with internal and external
customers
 Must exhibit high level of initiative and be proactive

 Builds and sustains relationships and actively listens to others
 Experience in performing commercial credit appraisals for up to $500K credit
limits
 Effectively negotiates when necessary

 Must have financial analysis skills
236 Credit Analyst

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 Other duties assigned by management from time to time
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 Gather appropriate client information to be able to present
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a Resume Minutes (/resume-
 Professional
Deliver aResume Templates
complete, synthetic and coherent up-to-date counterparty and credit
risk analysis, based on facts and compliant with the Bank’s guidelines
 Complete (multi) Credit Proposals within the required time and with good
quality, which must enable the Credit Committee to make an informed decision
 Support the Relationship Manager / Front Officer in credit process-related

matters within own scope (plan CCs ahead, handling of CRF, CreditPoint)
 Portfolio monitoring (follow-up of financial covenants, risks alert, core data

checks)
 Keep updated with credit methodologies and policies

 Presentation of Credit Proposals to local Credit Committees
 Meet clients jointly with Relationship Managers, when and where possible, to
deepen the understanding of a credit
 Participation in discussions on potential deals

 Participation in projects linked to improving credit process efficiency
 To contribute to any other portfolio or credit administrative and statistical
works as required by management from time to time
237 Credit Analyst

 Quantity -- Contracts Listed and Funded per Hour

 Quality -- Contract Review Error Rate
 Quality -- Dealer Phone Call Quality (CLEAR)
 Quality -- Verification Phone Call Quality
 Experience using Excel and Word
 Insightful: Make timely well considered decisions, create innovative solutions
and continuously learn
238 Credit Analyst

 Assist relationship managers in the preparation of credit memos for Chinese
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Enterprise customers on commercial lending, trade finance or other business
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related financial solutions and advisory
Conduct Resume
 Professional industry or business related analysis and financial modeling
Templates
 Review loan documentation
 Provide support on daily account administration
239 Credit Analyst

 Associate's degree, or equivalent work experience

 One to three years of mortgage-related experience
 Basic understanding of factors affecting real estate values and credit analysis
 Good mathematical skills
 Experience with VA loans preferred
 FHA Mortgage Credit Examiner certification preferred
240 Credit Analyst

 Has a deep understanding of and a keen interest in Utilities and Natural

Resources
 Has a professional background in capital markets and/or credit analysis and

well developed financial statement analysis skills
 Developing and maintaining comprehensive financial models

 Conducting meetings with Utilities and Natural Resources industry
management teams
 Involvement in communicating rating rationale to external audiences (primarily

institutional investors, sell-side analysts
 10+ years relevant experience, which must include some coverage or

knowledge of the Utilities and Natural Resources
241 Credit Analyst

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 Has a deep understanding of and a keen interest in Leverage Finance
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 Has a professional background in capital markets and/or credit analysis and
well developed
Professional financial statement analysis
Resume Templates
 Has a strong pattern of leadership and the ability to proactively and
successfully interact with various stakeholders, both
 Performing analysis of key quantitative and qualitative factors influencing the

credit quality of companies in the Leverage
 10+ years relevant experience, which must include some coverage or

knowledge of the Leverage Finance sectors
 Employee management experience a plus
242 Credit Analyst

 Support the management of a segment of an Industry vertical or primarily

investment grade general commercial loan portfolio
 Perform due diligence and regularly scheduled evaluation of loan portfolio for
which they support
 Modeling skill required for both credit application process and Quarterly Credit
Watch presentations
 Responsible for the coordination and communication of account information

across various constituencies throughout the organization
 Responsible for knowledge of country/risk factors on a macro level

 Responsible for knowledge of particular industries and all current events in
assigned portfolio utilizing internal and external sources
 Attend RM (Relationship Manager) customer meetings when appropriate
243 Credit Analyst

 Support the management of a segment of an Industry vertical by maintaining

updated customer tear-sheets, financial spreads, models and also assisting in
completing reviews in a timely manner
 Perform due diligence and regularly scheduled evaluation of coverage portfolio

 A Bachelor degree, a CFA is an asset
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 Good computer skills in Microsoft Word/Access/Excel
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 Able to work independently and under pressure
244 Credit Analyst

 Working knowledge of corporate lending and of bank-related documents

 Good knowledge of operational practices and policies
 Good analytical, organizational and mathematical skills with experience
preparing management reports
 Ability to collect information from a variety of sources with experience in

identifying patterns, connections or trends
 Ability to complete work accurately and on time in a high pressure environment

with critical deadlines
 Ability to work cooperatively with others in a team setting as well as

independently
 Maintains a flexible attitude and approach towards assignments and others

 Excellent communication skills written and verbal in both Japanese and English.
Ability to present ideas, concepts and other information with clarity and
effectiveness
 Proficient knowledge of Excel, Word, PowerPoint and databases

 Flexibility to work variable hours due to the workflow
245 Credit Analyst

 Conduct credit assessment on new & existing corporate names in various

industries and recommend limits for approval to support OCBC Bank Group’s
trading/treasury operations
 Perform credit reviews timely and promptly

 Be well versed with the Bank’s credit policies and procedures
 Ensure new transactions and credit renewals meet OCBC’s risk acceptance
criteria, credit policies /procedures and regulatory requirements
 Develop a good understanding of the industries in the portfolio
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 Respond quickly and professionally to requests from the trading floor for credit
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authorizations
Monthly Resume
 Professional reviewTemplates
of the corporates’ risk ratings
246 Credit Analyst

 Review and release orders and work with customers and team members to
resolve open issues
 Set customer credit limits and supports other team members in this area
 Manage a portfolio of accounts – 50+ calls a day
 Substantial experience reconciling accounts
 Administer the dispute/deduction management process
 Assist with the management of bad debt, bankruptcy and legal accounts
247 Credit Analyst

 Responsible for all collections activities on 1 or more portfolios of customers.

Activities include establishing and maintaining contact with customers (may
include travel) concerning open invoices, looking at payment trends and
history, timely escalation and/or resolution of disputes and timely escalation of
collection issues to the business
 Responsible for the accurate cash receipts forecast on the assigned portfolio(s)
on a monthly basis
 Responsible for ensuring collection and forecast metrics are achieved on the
assigned portfolio(s)
 Analysis of financial information and/or any other relevant information of

assigned customers in order to assess credit risk and make necessary
recommendations to the business
 Build relationships with relevant business partners to ensure a smooth

cooperation between the Credit department and the business(es) that own the
assigned portfolios
 Adds value to the business by consistently improving processes and maximizing

cash flow for the assigned portfolios
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 Actively participate in Cash Calls
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 Perform thorough risk assessment for all customers inCreate
portfolio and are highly
visible across
Professional leadership
Resume Templates and the organization
 Up to date customer reconciliation of accounts
 Maintain credit data in SAP
 Excellent credit skills required in areas such as insurance, letters of credit,
financing, and legal
 Proficient in SAP A/R systems
248 Credit Analyst

 Integral part of loan origination process

 Responsible for performing underwriting analysis of Borrower's character,
credit worthiness and financial condition. Supports the lending function by
providing analytical support
 Thoroughly analyzes financial statements, management profiles, business and

product cycles, cash flow ability, collateral, agings, etc. of future and existing
Customers to identify trends, measure performance, assess financial strength
and develop an assessment of credit risk
 1-3 years related experience required

 Demonstrated knowledge of credit and financial analysis techniques
 Strong understanding of loan risk factors
 Demonstrated ability to independently gather, consolidate, analyze and
summarize data to provide well-considered recommendations for all levels of
commercial credit relationships
 Proven ability to identify and quantify subtle business risks and the ability to
identify key drivers of risk and focus discussions accordingly
249 Credit Analyst

 Review incoming application packages for compliance with internal and

external policies
 Analyze bank statements and/or financial statements to assess merchant credit

137 of 140 24-Jan-20, 08:29
risk
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 Prepare and present credit packages for new applications anda periodic
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for approval
 Work closely with the Sales and Account Management teams to collect
additional merchant information and explain decision rationales if needed
 Assist with bank partner related work and geographic market expansion
 Update internal documentation on process updates, industry trends, and credit
policies
 Stay current on merchant industry trends specific to the businesses we support

 Serve as the first line of defense against merchant fraud
250 Credit Analyst

 Sales forecast reporting

 Supporting the corporate credit manager
 Communicate effectively and timely with senior management level both
internally and externally to drive credit issues
 Provide customer service and develop relationships with internal/external

customers and suppliers
 Participate in department projects and take an active role in cross-functional

teams to assist in driving quality improvements, processes, and initiatives
 Support collections
 Support A/R Reconciliations
 Close G/L schedules
 Bachelor's degree in Finance, Accounting, Economics, or Business
 0-3 years of experience with accounting principles in the interpretation of
customer financial statements
 Excel skills ((V Lookups and pivot tables)

 MS Word and PowerPoint
 Ability to support after hour calls
 Masters of Business Administration (MBA) (Accounting/Finance emphasis
preferred)
 Experience with corporate Credit and Collection process
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 Experience in Oracle (AR Module)
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 Communication skills (verbal and written)
 Professional
Ability toResume
work inTemplates
a fast-paced environment and manage multiple requests
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EXPERIENCE CREDIT ANALYST

EDUCATION UNIVERSITY OF OREGON

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 Effective communication skills both written and verbal

 Strong computer skills; proficiency in a Windows based environment

 Must be flexible to work a variety of shifts

 Develop business logic, pricing strategies, business forecasts, while optimizing

 Utilize database management, reporting, and analysis software to store,

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 Develops and maintains an active research opinion on assigned fixed income

 Lead thought by accurately identifying investment opportunities and risks

 Effectively communicate with a variety of audiences, tailoring communication

 Bachelor’s degree in finance, business or related field

 Proficient in performing and understanding typical investment-related

 Demonstrated ability to use logic in developing a wide range of intellectual and

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 Bachelors Degree in Finance, Accounting, Economics, or Real Estate, plus 2-5

 1-5 years of financial analysis / commercial real estate credit experience, or

 Previous commercial real estate or commercial banking experience is preferred

 5 years experience in banking, financial institutions or accounting

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 Knowledge of Letters of Credit and other security instruments

 Own the day-to-day processing of financial information for a number of large

 Responsible for collating and managing customer produced financial

 Use knowledge of monitoring and control procedures to make

 Take ownership of urgent credit related matters such as reporting late

 CA/CFA/FRM or Post-graduate or MBA

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 Excellent oral communications skills (grammar, positive tone, active listening,

 Excellent written skills (spelling, logical thought processes and sentence

 Extremely customer-focused; positive, professional attitude

 Review, approve requests or make recommendations to the authority holder

 Preferably some prior experience in a risk function

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 Satisfactory product knowledge in foreign exchange, equity derivatives and

 1) Evaluate the creditworthiness of Japanese financial institutions and/or

 Extended study abroad or working experience in an English-speaking country,

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 Must possess excellent communication skills (verbal & written)

 Provision of information on a customer's business via research, using various

 Deliver professional advice on risk management matters, industry and product

 Be a point of contact for credit management purposes for customers,

 The preparation of credit proposals for recommendation and presentation

 Creation/verification of customer grading and severity, ensuring the optimal

 Responsible for the first class analysis of financial information produced by

 Highly analytical and strong numeracy skills

 Bachelors Degree - Business, Finance or Accounting preferred

 Can-do attitude, willingness to learn

 Ability to multitask in an ever-changing environment

 Speed and accuracy in data entry

 Act as a subject matter expert in all areas of credit adjudication, policies,

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 Be knowledgeable of and comply with Bank Industry Codes of Conduct