6bbd393a-bdd0-47ff-810c-89c99f4119ab

Andrew Smith

Professional Summary

4 years’ experience as a Credit Analyst Rendering my best effort And Experience in this Credit field.  I Would like to take up great challenges and solve with My ability.
I detected so many frauds at the time of login files and got appreciation for my smart work. I Shall adhere to Company policies and Credit policies. I Always want to do Hard work To learn unknown Works. 

Employment history

Credit Analyst(LAP), Little Inc. New Kaitlinton, Montana
Feb. 2020 – Present
  • Examine, evaluate, or process loan applications.
  • Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.
  • Determine customers’ financial services needs and prepare proposals to sell services that address these needs.
  • End to End Process Which Include Login to Disbursement
  • Due Diligence of Loan applications With KYC Adherence
  • Following up With Various External Agencies which Include Technical, legal, etc and follow up For the Hard copies.
  • Checking LAP Eligibility in Various Products like SIP programme,Banking Programme, Gross Profit Programme etc.
  • Following up with Field investingation, Fraud control for checking of files and follow up for the Reports.

Credit Processing Assistant (OD,CC,BL,LAP), Bartell-Rath. Lake Shanelchester, Washington
May. 2017 – Jun. 2017
  • Worked as a credit processing Assistant (CPA) in Axis bank from September 2016 to 2018 October 
  • Preparing Ratio Sheets,checking eligibility in suitable programmes,Loan Tracking,GST calculations.
  • Checking credit pendings in every file
  • Technical, Legal Intiation At the time of login and Follow up for Reports
  • Files login process
  • Follow up for Upfront fee Cheque
  • FI, RCU intiation and Follow up for the Reports
  • CAM Preparing For Business loan

Credit Processing Assistant (BL,LAP), Stoltenberg, Ankunding and Kemmer. Horacemouth, Virginia
Sep. 2015 – Oct. 2015
  • Worked as a Credit processing Assistant(CPA) in kotak Mahindra bank from September 2014 to 2016 
  • Checking Financial eligibility, Preparing Ratio sheets, Loan Tracking,GST Calculation
  • Checking Credit pendings
  • FI,RCU Intiation and Follow up for the Hard copies
  • Files login 

Education

South New Jersey College, Sibylville, Idaho
Bachelor of Arts, B.COM, Dec. 2014

Western Arkansas College, New Marcelino, Hawaii
High School Diploma, MEC, Jul. 2011

Von University, Walterfurt, Hawaii
High School Diploma, 10th class, Jul. 2009

ABILITIES:

Personal Details :

Personal info


Phone:

(000) 000-0000

Email:

[email protected]

Address:

287 Custer Street, Hopewell, PA 00000

Languages

English








Telugu








Skills

CAM PREPARING








MANAGEMENT INFORMATION SYSTEM(MIS)








FILES LOGIN








da219707-34cb-4ed5-8163-e774abce41db

Andrew Smith


287 Custer Street, Hopewell, PA 00000

[email protected]

(000) 000-0000

Professional Summary

A highly motivated, detailed oriented, and resourceful credit analyst. Possessing considerable experience and knowledge within the financial industry, including but not limited to communicating with members and handling their bank transactions, verifying account opening and closing information, assessing borrower’s credit information, and following proper rules and regulations. Acquiring a respectable and ethical name within the industry by continuously practicing fair, accurate, and quality services within. Keen to finding a challenging position within an ambitious company where I can continue to build on my career and further utilize my accounting skills.

Employment history

Credit Analyst, Pouros, Bode and Hills. New Hedwig, Idaho
Jul. 2017 – Present
  • Evaluates borrower’s credit data and financial statements to best determine the degree of risk involved in lending money to them.
  • Prepares reports that reflect the degree of risk involved with lending money to clients.
  • Analyzes borrower’s records while using specific data to recommend payment plans. 
  • Evaluates the financial status of clients by producing financial ratios through computer programs.
  • Confers with credit associations and references to exchange credit information on clients.
  • Presents all compiled data information to lenders and loan committee for approval.

Deposit Operations Specialist, Abbott LLC. South Danitamouth, Minnesota
Sep. 2016 – Feb. 2017
  • Processed reports on a regular basis to ensure customer notifications were being sent out correctly and efficiently.
  • Processed and verified all incoming and outgoing wires along with OFAC inquiries.
  • Processed levies/garnishments in addition to posting IOLTAs/IBRETAs, and handling IRA reports.
  • Performed a number of clerical duties, including answering customer questions over the phone or through an online chat system.
  • Reviewed account opening and closing documentation for accuracy while compiling all other necessary information.

Bookkeeper, Bogisich and Sons. Lake Rickyside, Iowa
Sep. 2013 – Oct. 2013
  • Prepared daily reports and deposit slips for the previous day’s work.
  • Compiled a spreadsheet using Excel from the registers to determine the over/short of the previous day.
  • Transferred information on an Excel spreadsheet to balance out the entire day’s sales.
  • Took responsibility in opening the store and working customer service as needed.

Education

South Flatley, Blicktown, Iowa
Bachelor of Science, Accounting, Jul. 2017

Aufderhar Institute, West Conception, Nebraska
Associate of Applied Science, Accounting, Jul. 2012

Honors

Skills

Microsoft Excel

Financial Statement Analysis

Revenue Projections

General Ledger

Personal and Business Tax Returns

Profit and Loss Reports

Annual Reports

Balance Sheets

credit analyst

  • Reviewed business financial statements and tax returns, performed ratio analysis, completed risk assessments and make sound credit decisions and recommendations via written and verbal presentations 
  • Reviewed loan agreements to ensure that they are complete and accurate according to policy. Commercial credit card lending 

credit analyst

  • Major responsibility in this position is to mitigation of credit risk through different financial models.
  • Analyze the proposal of corporate, SMEs’ and individual salaried client to ensure their credit worthiness.
  • Thoroughly analyzed the financial statement and bank statement of corporate and SME clients to analyze their refund capability.
  • Assist the product development team in the process of designing feasible financial product for our corporate client which full filled their needs and also profitable for bank.
  • Meeting  with  SU (Screening unit) department to understand the weakness of system and  advice them to rectify the issues to assure the smooth flow of work.

credit analyst

  • Underwriting of SME Credit for Coimbatore & Karur regions
  • Portfolio Monitoring 
  • Analyzed credit data and financial statements to determine the degree of risk involved in extendingcredit.
  • Consulted with customers to resolve complaints and verified financial and credittransactions.

credit analyst

  • Part of Risk team undertaking credit appraisal for companies having turnover upto Rs.500 Cr across industries.
  • Independent sanctioning authority upto Rs.1 Cr for fresh proposal and Rs.1.50 Cr for renewal proposal. 
  • Analyze applicants’ financial status, business model and industry to determine feasibility of granting loans.
  • Knowledge of various products and its assessment methodology such as Cash Credit, Overdraft,  Letter of Credit, Buyers Credit, Pre and Post shipment finance, Term Loan etc.
  • Identify Industry, Business, Management & Financial Risk.
  • To meet clients across industries to understand business model and funding needs.
  • Identifying risk and its mitigates & strength of applicant to fund client.

credit analyst

  • Perform day to day credit management activities and ensure credit information and analyses are up to date.
  • Collect overdue payments and resolve payment issues highlighted by customers. 
  • Interact with sales team in regards to the customer’s query. 
  • Escalation of unpaid invoices as per the hierarchy.
  • Co-ordination with client servicing team to expedite dispute resolution and ensure timely collections. 
  • Processing periodic review for the setup of credit limit on monthly and daily basis. 
  • Co-ordination with client to release the shipment on daily basis.

credit analyst

  • Responsible for timely collections on assigned 2,500+ accounts
  • Daily invoicing, cash receipts, credit memos and debit memos 
  • Daily/monthly reconciling
  • Daily review of orders on hold to determine if they could be released based on customer’s payment history
  • Send out/reply to credit references and propose credit limits to finance manager for new accounts

credit analyst

  • Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests
  • Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay
  • Preparation of Credit Appraisal Memorandum
  • Analysis of financial statements
  • Calculate Average delay & Peak delay in Borrower’s account
  •  Reading Consumer & Commercial CIBIL 
  • Conferring with clients to verify their financial/credit transactions and to resolve their complaints

credit analyst

  • Approve, reject, or coordinate the approval or rejection of lines of credit of personal loans and gold loans.
  • Responsible for independent assessment and recommendations to Executive Credit Committee of credit proposals of all segments of Corporate customers. Well experienced in assessment of both bilateral and syndicated / club transactions
  • Received Excellence Award in September’09 for outstanding performance as a Credit Analyst.
  • Worked as Consultant from home from April’10 to Feb’11.

credit analyst

  • Performing due diligence checks on existing and prospective borrowers, including, checking credit history, MCA compliance, director/partner background check, banking conduct with Axis and other banks with whom accounts are maintained
  • Performing financial analysis of the existing/prospective borrower’s financial statements and commenting on key parameters/ratios such as revenue, EBITDA margins, PAT margins, current ratio, gearing ratio and general overview of the financials of the customer
  • In case of adverse conduct/history of the borrower, projecting future financial statements and stipulating ratios to be maintained by the borrower in the year of disbursement/renewal of facility 
  • Proposing addition of financial covenants to be adhered to by the borrower 
  • Commenting on whether facility should be provided/renewed to the borrower, and if at the desired/existing level, based on factors like conduct, profitability to the bank, collateral coverage, financial health and internal credit rating  

credit analyst

  • Maintaining customer account hierarchies for efficient credit management (including maintaining credit contact details, parent-child account hierarchies for scoring and family exposure)
  • Performing physical and desktop site reviews and customer visits to assess , and review Corporate / Group exposure
  • Management and handling of escalated credit / facility requests.
  • Resolves queries and escalations from the Order Management team on customer account issues related to terms and limits

credit analyst

  • Communicate with Customers regarding credit applications, terms, account reconciliation and collections of accounts receivables.
  • Review trial balances, research invoices, review tax chargebacks on accounts.
  • Underwriting of asset backed products like Auto loan, Commercial Vehicle loans for North Kerala Belt reporting to south head.
  • PDD management, Risk Management and Maintaining TAT in decisioning.

credit analyst(lap)

  • End to End Process Which Include Login to Disbursement
  • Due Diligence of Loan applications With KYC Adherence
  • Following up With Various External Agencies which Include Technical, legal, etc and follow up For the Hard copies.
  • Checking LAP Eligibility in Various Products like SIP programme,Banking Programme, Gross Profit Programme etc.
  • Following up with Field investingation, Fraud control for checking of files and follow up for the Reports.

credit analyst

  • Transactional (day-to-day) reviews and maintenance of credit limits, payment terms and new account approvals / creation
  • Month End Credit dashboard reporting.
  • Customer Financial statements analysis
  • Responding to inbound telephonic and email requests for account facility (credit limit or term) queries and changes, on-demand reviews for changed or extended credit and special arrangements
  • The evaluation and release/non-release of orders where the credit limit exceeds the approved exposure (SAP Order Hold)
  • Maintaining customer account master data related to: 
  • New account administration, vetting, credit scoring, facility assessment and creation for trading accounts.

credit analyst

  • Conducting tecknical operations in the banking area (BPI);
  • Data processing and customer services; 
  • Processing of business processes; 
  • Treatment and opening of accounts and loans; 
  • Issuance and validation of contracts and provision of funds.

credit analyst

  • To prepare project report and Financial Model for arranging funds for mandate received.
  • Performed Solar Industry Analyses.
  • Prepared project report and Financial Model for Solar Power Project.
  • Independently executed 6 deals for mandate received to organisation.

credit analyst

  •  received extra mile award – Bangko Kabayan Private Development bank
  • received plaque of recognition – from Bangko Sentral ng Pilipinas
  • received promotion
  • During the internship program i had the  opportunity to work with MMFSL as summer trainee-credit analysis for a period of 2 months.The role was to analyse the  Turn around time of the credit proposals with the commercial vehicle fiance segment.

credit analyst

  • Evaluates borrower’s credit data and financial statements to best determine the degree of risk involved in lending money to them.
  • Prepares reports that reflect the degree of risk involved with lending money to clients.
  • Analyzes borrower’s records while using specific data to recommend payment plans. 
  • Evaluates the financial status of clients by producing financial ratios through computer programs.
  • Confers with credit associations and references to exchange credit information on clients.
  • Presents all compiled data information to lenders and loan committee for approval.

credit analyst

  •  Client acquisition across various product ranges, financial and industry analysis to make recommendations and continued monitoring of portfolio before SME unit was established.
  • Instrumental in the development of the SME Division through immense client acquisition by leveraging excellent analysis skills and sales acumen to pioneer first sales in each category of retail product offering resulting in a business case for the launch of the division.
  • Received recognition for producing the best work in Sub-Saharan Africa for excellent financial analysis and research skills, as well as strategic thinking implemented in business acquisition resulting in my business proposals becoming the model guides for the rest of the region.  
  • Assessment and Decision giving to consumer credit applications

credit analyst

  • Analyze credit data and financial statements for prepare reports that determine the degree of risk involved in extending credit or lending money
  • Complete loan applications, including credit analyses and summaries of loan Requests, and submit to loan committees for approval
  • Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity
  • Generate financial ratios, using computer programs, to evaluate customers’ financial status also ensures documentation is correct
  • Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
  • Consult with customers to resolve complaints and verify financial and credit transactions.

credit analyst

  • Received 93-100% accuracy scores on all decision quality reviews
  • Routinely achieved monthly quality and sales goals
  • Recognized as Business Leader
  • Responsible for analyzing data to determine the risk involved in providing working capital to clients

credit analyst

  • Assisted on New Issuance deals for CMBS asset class and perform initial setup and analysis of mortgage pool for credit underwriting and valuation. 
  • Assisted the S&P Global Ratings Team with event-driven Exception reporting with Interest Shortfall, Paydown Loss and Realised Loss. 
  • Perform primary deal setup (RG Modeling) for New Issuance with Single Borrower deals and Conduit deals. 
  • Support S&P Global Team with unstructured tasks related to Credit Model.  

credit analyst

  • Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence
  • Reconcile credit files and identify discrepancies and variances
  • Provide recommendations tied to analysis and assessment of credit risk
  • approve loan advances to complete construction jobs

credit analyst

  • Analyse and assess clients’ overall financial position and transaction variables to make appropriate lending decisions within DLA of $250K 
  • Prepare credit submissions and provide recommendations to Senior Credit Analysts and Management in respect of transactions outside of individual DLA
  • Provide support to senior Credit Analysts
  • Liaise and communicate with external stakeholders to gather relevant information during assessment
  • Recommend quotation restructures to clients to minimise credit risk and ensure customer repayment capability is sustained 
  • Liaise with business analysts and project managers during the development and implementation of new automatic decisioning tool
  • Training junior staff to undertake the duties of the credit officer role 

credit analyst

  • Examine, evaluate, or process loan applications and the collateral.
  • Oversee the authenticity and availability of required documents.
  • Verify customer’s data by telephone and performing customer visits if necesarry.
  •  Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans. 
  • Making Daily and Monthly Report.

credit analyst

  • Handling Multiple Location Bikaner , Nokha , Sriganganagar and Hanumangarh.
  • Handling Multi Product Like LAP and HL
  • PD Visit of Every file and Analyst to loan amount and Eligibility.
  • Prepare CAM and Financial and file decision with in TAT. 
  • Case Prepare as per Company Guideline and recommended the case as per policy and deviation matrix. 
  • Co-ordination with legal and Technical Vendor.
  • Co-ordination with Disbursement Team. 

credit analyst

  • Managed multiple projects at a time with ability to work well in a tight-framed environment paying closely attention to details; while using critical thinking skills with minimal information, as well as involved team player communication to identify goals and solve problems.
  • Demonstrated ability to continuously create billing procedures more streamlined with end result a more efficient & well-organized automated billing process.
  • Prepared monthly statements by collecting data; analyzed and investigated variances; summarized data,information, and trends.
  • Minimized accounts receivable collections and reconciled customer billings and statements

credit analyst

  • Preparation of  CMA Data and projections for Borrower’s Credit Assessment
  • Ratio & Trend Analysis of the Financial Statements of the Borrower
  • Performing various checks as per RBI Circulars and Guidelines
  • Preparation of Appraisal Note for submitting before sanctioning authority 
  • Preparation of Sanction Letters, Modification Notes 
  • Analyzing the Demands of Temporary/ Ad-Hoc limits by Borrowers  
  • Cross Checking with Bank’s various Internal Policies and Circulars/Notifications

credit analyst

  •  Credit Analysis, Accounts Receivable for Honeywell Aerospace. Handling a portfolio of $12 Million
  •  Leading the Aircraft on ground (AOG) Team – Managing Orders for the customer’s and releasing high Priority Orders for the sites for aircraft on ground globally. Handling a team of six members 
  • Analyzing as well as evaluating the credit worthiness of customers based on various credit reports like Dun & Bradstreet, CRM 
  • Setting credit line for customer’s doing business with Honeywell Aerospace. 
  • Cash forecasting, for projecting monthly receivables on portfolios with day three variance