Credit Analyst

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Credit Analyst Resume

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Charles Bloomberg
San Francisco, USA
charlesbloomberg@gmail.com
(621) 799-5548
in/cbloomberg
PROFESSIONAL SUMMARY
Results-driven Credit Analyst with extensive experience in assessing creditworthiness, managing risk, and optimizing lending decisions. Demonstrates strong analytical skills and a proven track record in financial modeling and risk assessment.
PROFESSIONAL Experience
Senior Credit Analyst | Company A
March 2018 — Present, San Francisco, USA
• Conducted detailed financial analysis on prospective borrowers, evaluating over 120 financial statements per month using SQL and Excel to determine credit risk.
• Developed risk assessment models that improved the accuracy of loan approval decisions by 20%, directly contributing to a $10M increase in annual revenue.
• Led a team of 5 junior analysts, providing mentorship and training on advanced financial modeling techniques and credit risk evaluation methods.
• Collaborated closely with the IT department to implement a new credit assessment software, reducing analysis time by 30% and increasing decision turnaround speed.
• Managed a portfolio of $50M in commercial loans, ensuring compliance with internal risk policies and regulatory standards.
Credit Analyst | Company B
June 2015 — March 2018, Charlotte, USA
• Evaluated creditworthiness of 100+ corporate clients monthly, generating accurate reports and assessments to minimize loan defaults and mitigate risk.
• Implemented data-driven strategies that reduced non-performing assets (NPA) by 15%, leveraging predictive analytics tools such as SAS and R.
• Spearheaded a project to automate the credit scoring process, cutting assessment time by 25% and enhancing accuracy through machine learning algorithms.
• Coordinated with the lending team to optimize credit limits, resulting in a 10% increase in the number of approved loan applications while maintaining risk thresholds.
Junior Credit Analyst | Company C
September 2013 — May 2015, Boulder, USA
• Analyzed and summarized financial statements for over 50 small to mid-sized business clients monthly, enhancing loan approval processes.
• Assisted senior analysts in creating comprehensive credit reports and risk assessments, ensuring high accuracy and reliability of data.
• Utilized Excel and VBA macros to streamline data entry and reporting processes, increasing efficiency by 40%.
Credit Analyst Intern | Company D
June 2012 — August 2013, Madison, USA
• Supported credit analysis and loan assessment for a diverse range of clients, learning and applying essential industry practices.
• Prepared financial ratios and metrics for use in credit risk assessments, contributing to the decision-making process.
• Conducted market research to identify industry trends and their potential impact on client creditworthiness.
Education
Bachelor of Science in Finance | University of Pennsylvania
May 2012
Expert-Level Skills
Financial Analysis, Credit Risk Assessment, SQL, Excel, SAS, R, Financial Modeling, Financial Statements, Risk Management, Team Leadership, Predictive Analytics, Data-Driven Strategies, Regulatory Compliance, Machine Learning, Soft Skills: Analytical Thinking, Problem Solving, Team Collaboration
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