Commercial Credit Analyst Resume

Samantha Gray

North Highlands CA 95660

(916) 987-6543

[email protected]

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Job Objective

Seeking the position of Commercial Credit Analyst in an esteemed organization.

Highlights of Qualifications:

  • Deep knowledge of credit lending procedures for commercial loans
  • Able to identify recurring and non-recurring sources of cash flow
  • A great deal of experience with financial accounting theory and commercial products and services
  • Able to developing conclusions from data in spreadsheets or reports
  • Ability to plan, prioritize and execute a body of work without supervision
  • Able to organize verbal and written communication to clarify purpose and importance
  • Excellent communication and writing skills
  • Proficient in Microsoft Office – Excel, Visio, PowerPoint, Project, Word, Microsoft Access,

and data manipulation

Ability to build good relationship with customer

Excellent analytical and critical thinking skills

Professional Experience:

Commercial Credit Analyst, August 2005 – Present

Georgetown Savings Bank, Atlanta, GA

  • Entered, analyzed and reported client business and personal data in bank financial statement spreading models.
  • Assisted and supported the other Credit Analysts and the Commercial Relationship managers in the identification of risk areas and the development of mitigating factors.
  • Provided efficient analytical support to Risk Advisors and the Commercial Banking Relationship Managers.
  • Updated and tested loan agreement covenants.
  • Calculated borrowing bases and valued collateral.

Commercial Credit Analyst, May 2000 – July 2005

Lowell Cooperative Bank, Atlanta, GA

  • Assisted and lead loan officers with credit analysis of commercial loans for the bank.
  • Analyzed and determined business financial statements and tax returns.
  • Performed cash flow analysis and financial ratios.
  • Process personal financial statements.
  • Analyzed and prepared credit reports on both companies and individuals.
  • Completed financial statement analysis on a timely basis.
  • Conducted and performed research on specific industries, companies, and related trends.
  • Created, maintained and monitored all loan credit files.

Education

Bachelor’s Degree in Finance, Boston College, Chestnut Hill, MA

Master’s Degree in Finance, University of California, Berkeley, CA