Credit Risk Analyst Resume

Samantha Gray

North Highlands CA 95660

(916) 987-6543

[email protected]

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Job Objective

To obtain a challenging Credit Risk Analyst position in a well reputed organization.

Highlights of Qualifications:

  • Familiar with commercial and consumer loan process
  • Financial analysis, knowledge of hedge fund operations and products
  • A great deal of experience with respect to data analysis, advanced spreadsheet modeling and forecasting technique
  • In-depth knowledge of finance, statistics, economics and consumer credit
  • Proficient with SAS, Excel, Word, and PowerPoint
  • Remarkable ability to data extraction and analysis skill sets
  • Strong verbal and written communication skills
  • Strong analytical and organizational skills
  • Ability to interact effectively with all levels of bank staff including

senior management

Professional Experience:

Credit Risk Analyst, August 2005 – Present

HSBC, San Diego, CA

  • Prepared, analyzed and distributed various monthly and quarterly Loan Portfolio Reports.
  • Performed and conducted written analysis outlining key performance indicators and key risk indicators.
  • Monitored and examined roll rate and performed related analysis.
  • Performed and conducted supplemental commercial analysis.
  • Determined and analyzed the Bank’s ability to absorb losses through its current and future capital cushion.
  • Developed and implemented necessary exception reporting in support of Credit and the line in order to manage to better manage credit administration risk posed to the Bank.
  • Worked effectively with Credit, the line, and Finance and ensured data integrity.
  • Provided support in the design and implementation of ad hoc requests for Credit-Related Portfolio Data.

Credit Risk Analyst, May 2000 – July 2005

Pacific Life Insurance Company, San Diego, CA

  • Performed and conducted independent research such as company background checks, comparative industry analysis, trending analysis and demographic data.
  • Identified potential risk concerns within the Accounts Receivable portfolio and efficiently provided a risk assessment for the monthly Credit Watch report.
  • Created, reviewed, and modified the Risk Assessment Criteria model predicated upon characteristic changes in the industry and the Accounts Receivable portfolio.
  • Performed and conducted customer visitations to review credit documents.
  • Prepared and developed the monthly Credit Watch Report for FIS.


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

Master’s Degree in Finance, Arizona State University, Tempe, AZ