Resume

Credit Analyst Resume Example & Writing Guide

Use this Credit Analyst resume example and guide to improve your career and write a powerful resume that will separate you from the competition.

Credit analysts are responsible for monitoring an organization’s credit risk—the likelihood that it will be unable to pay its debts as they come due. They monitor an organization’s existing debt obligations, assess its capacity to take on new debt, and identify opportunities to expand or refinance existing loans.

Because credit analysts are often tasked with assessing the creditworthiness of high-risk borrowers, they must be capable of thinking critically and objectively when evaluating complex situations.

If you love digging into data and analyzing trends, this could be the perfect role for you. Here are some tips to help you write a compelling credit analyst resume that will get you noticed by recruiters.

Jennifer Thomas
New York City, NY | (123) 456-7891 | [email protected]
Summary

Seasoned credit analyst with over 10 years of experience in the consumer lending and credit card industries. Proven ability to assess risk, identify opportunities, and recommend solutions that support company goals. Excels at collaborating with cross-functional teams to deliver best-in-class customer experiences.

Education
Baruch College, The City University of New York Jun '10
B.S. in Business Administration
Experience
Company A, Credit Analyst Jan '17 – Current
  • Analyzed and evaluated the credit risk of customers, products, and portfolios using quantitative models to determine appropriate pricing for new business opportunities.
  • Provided support in developing a comprehensive understanding of customer financial condition through analysis of available information including but not limited to cash flow statements, balance sheets, tax returns, etc.
  • Assisted with the development of proposals for new or modified lending programs that meet the needs of our customers while maintaining an acceptable level of risk exposure.
  • Participated in sales meetings as well as internal training sessions regarding product features and benefits to ensure effective communication with clients on loan offerings.
  • Performed other duties related to portfolio management such as account maintenance activities (e.g., collections) when necessary based upon assigned portfolio size/risk profile and company guidelines.
Company B, Credit Analyst Jan '12 – Dec '16
  • Analyzed financial statements and other data to identify trends in company’s business, resulting in improved forecasting accuracy of up to 20%
  • Reviewed credit applications for completeness and consistency with the company’s policies and procedures
  • Conducted research on customers’ businesses, including speaking with references and performing internet searches
  • Communicated regularly with management regarding customer risk levels and recommended actions based on findings
  • Resolved customer disputes by applying knowledge of company policy, procedure, and applicable laws
Company C, Credit Representative Jan '09 – Dec '11
  • Investigated and resolved customer credit inquiries by gathering information from internal and external sources.
  • Maintained accurate customer account records by updating customer information and activity.
  • Communicated with customers to resolve account discrepancies and negotiated payment arrangements.
Skills

Industry Knowledge: Accounting, Finance, Banking, Credit, Collections
Technical Skills: Microsoft Office Suite, Excel, Access, PowerPoint, Outlook
Soft Skills: Communication, Problem Solving, Teamwork, Attention to Detail, Critical Thinking, Decision Making

How to Write a Credit Analyst Resume

Here’s how to write a credit analyst resume of your own.

Write Compelling Bullet Points

Bullet points are the most important part of your resume because they’re the first thing recruiters and hiring managers will read. And they’re the best way to showcase your experience and qualifications.

So it’s crucial that you use them to your advantage. And the best way to do that is by using specific, detailed bullet points that clearly describe your responsibilities and achievements.

For example, rather than saying you “analyzed financial data,” you could say you “analyzed financial data for 20+ credit card accounts to identify trends and recommend new strategies to increase revenue by 15% in first six months.”

The second bullet point is much more specific and provides more detail about what exactly you did and the results of your work.

Related: What Is a Credit Analyst? How to Become One

Identify and Include Relevant Keywords

When you apply for a credit analyst role, your resume is likely to be scanned by an applicant tracking system (ATS) for certain keywords. This system looks for certain terms that are commonly used in the job description, like “credit analysis” or “account management.” If your resume doesn’t include enough of these keywords, your application might not make it past the initial screening process.

To increase your chances of getting an interview, use this list of common credit analyst keywords as a starting point to help you optimize your resume:

  • Credit Analysis
  • Credit
  • Banking
  • Loans
  • Financial Analysis
  • Commercial Banking
  • Credit Risk
  • Financial Services
  • Credit Risk Analysis
  • Credit Administration
  • Consumer Lending
  • Portfolio Management
  • Risk Management
  • Finance
  • Financial Risk
  • Retail Banking
  • Financial Modeling
  • Capital Markets
  • Mortgage Lending
  • Treasury
  • Loan Origination
  • Risk Assessment
  • Lines Of Credit
  • Underwriting
  • Business Relationship Management
  • Business Analysis
  • Consumer Banking
  • Negotiation
  • Microsoft Access
  • Financial Risk Management

Showcase Your Technical Skills

As a credit analyst, you are responsible for assessing the credit risk of potential borrowers and providing recommendations to management. In order to do this, you need to be proficient in the use of a variety of software programs and systems.

Some of the programs and systems that credit analysts are typically expected to be proficient in include: credit risk assessment software, loan origination software, underwriting software, and credit bureau reporting tools. Additionally, credit analysts need to be familiar with credit scoring models and credit analysis methodologies.

Related: How Much Does a Credit Analyst Make?

Remember The Basics

As you’re crafting your resume, it’s important to keep a few basic guidelines in mind.

Create Easy-to Scan Sections

There are a few things you can do to improve the readability of your resume. Left-aligning your text, using a standard font, and keeping your bullets concise will help make your resume easier to read. Additionally, try to use formatting sparingly (such as all-caps and bolding) and only for emphasis. Finally, make sure to leave some white space on the page to make the document less overwhelming.

Be Concise

There is no set length for a resume, but it is important to be concise. A one-page resume is ideal for recent graduates or those with less than five to eight years of experience. If you have more experience than that, a two-page resume is more appropriate. When trimming down a resume, remove irrelevant information and focus on the most relevant details.

Check Your Work

Proofreading your resume is important to make sure it looks its best. Spelling mistakes, punctuation mistakes, and grammatical mistakes can all be easily corrected with a careful eye. Having someone else proofread your resume is also helpful, as they can catch mistakes that you may have missed.

Use a Summary

A resume summary statement is an important way to introduce yourself to potential employers. It should succinctly state your skills and experiences, as well as what you are looking for in your next role. Use this space to play up your strengths and to show that you are a good fit for the position you are applying to. Keep your summary statement brief and to the point, no more than three sentences.

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