2118147f-80bc-4c04-b937-1ed14b02ef5f

Andrew Smith

287 Custer Street, Hopewell, PA 00000
[email protected]
(000) 000-0000

Professional Summary

Analytical, accomplished, professional Business Intelligence (BI) and Data Analyst with experience in multifaceted roles requiring Data analysis, Reporting, Model building and project management.  Skilled in the areas of enterprise data warehousing, and data analytics. Motivated and eager to advance my career with a growth-oriented, technically-advanced organization as Business Data Analyst

Employment history

Credit Risk Analyst, Nikolaus-Macejkovic. New Opal, Arizona
Sep. 2018 – Present
Responsible for researching and analyzing credit risks, assessing  customer credit profile to drive business 
  • Analyze data gathered and develop solutions or alternative methods of proceeding.
  • Building models utilizing historical customer credit data including financial forecast, budget forecast
  • Monitor developments in the fields of industrial technology, business, finance, and economic theory.
  • Monitor fundamental economic, industrial, and corporate developments by analyzing information from financial publications and services, investment banking firms, government agencies, trade publications, company sources, or personal interviews.uding financial forecast, bugdet forecast  

Data Analyst Inter, Gleason, Kuphal and Shields. Chuckview, Alabama
Jul. 2017 – Aug. 2017
  • Demonstrate database technical functionality, such as performance, security and reliability.
  • Develop data models for applications, metadata tables, views or related database structures.
  • Document and communicate database schemas, using accepted notations.
  • Create and enforce database development standards.

Education

Williamson College, Lake Magaret, Missouri
Master of Science, Business Analytics, Feb. 2017

Skills

Python
Experienced

R
Experienced

SQL
Experienced

SAS
Experienced

Reporting
Experienced

Data Analysis
Experienced

credit risk analyst

  • Generate financial ratios, using computer programs, to evaluate customers’ financial status.

credit risk analyst

  • Responsible with credit checking of customers.
  • Creating SAP account of customers.
  • Approves credit limit of customers.
  • Conducts manual fraud review of customers.
  • Approves orders of the customer after they pass the credit and fraud checking.

credit risk analyst

  • Analyzed credit data and financial statements to determine the degree of risk involved in extending credit.
  • Prepared reports that include the degree of risk involved in extending credit.
  • Analyzed range of monthly, quarterly and annual credit reports.
  • Worked with C- level executives to ensure expense plans are created & the pre-set goals are met.
  • Forecasted and modeled future credit and risk trends.

credit risk analyst

  • handling meetings with clients 
  • assessing the client’s credibility on the set parameters with critical thinking and analytical skills. 
  • manage client’s portfolio in a timely and effective manner.
  • Market, train, counsel, advise and communicate credit department policy and procedures to company personnel. 

sr. credit risk analyst

  • Assisted in the production of monthly and quarterly Credit Risk Management reports and presentations that outline findings to Executive Management. 
  • Prepared management Loan Committee Reports that consist of bank Corporate Loan. 
  • Gathers risk-related data from internal or external resources. 
  • Monitored and made changes in risk evaluations and loan codes when necessary to promote data integrity for credit risk reporting. 
  • Prepared and distributed Loan Review Committee reports monthly to track collateral and documentation exceptions. 
  • Distributed criticized loan action plans to members of the regional Asset Quality Review Committees after validation for accuracy. 
  • Assisted with special projects under direction of Credit Risk Manager. 

credit risk analyst

  • Improvement of existing operational processes related to reporting – automation degree, built-in quality controls, etc. Documentation of all processes.      
  • Analyze the existing risk management segmentations and strategies and to propose ammendments or the implementation of new ones  
  • Operationally execute on time, to control and participate in the definition of all risk and contacting strategies and segmentations for the purposes of collection, CVM activities, origination
  • Prepare the daily, weekly and monthly reporting for the purposes of the monitoring and control of the loan portfolio on-time and in accordance with the predefined standards 

credit risk analyst

  •  Recommendation credit application for verification and recommendation.
  • Conduct industry research to gain an understand of the clients trading environment.
  • Building models utilizing historical customer credit data including financial forecast, budget forecast
  • Monitor fundamental economic, industrial, and corporate developments by analyzing information from financial publications and services, investment banking firms, government agencies, trade publications, company sources, or personal interviews.uding financial forecast, bugdet forecast  

credit risk analyst

  • This role demands to be responsible for gathering and analyzing financial data about clients, including paying habits or history, earnings, and savings information, and purchase activities. 
  • Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk. Compile reports regarding finance and credit data. Analyze the financial records like earnings, savings, payments, and purchase of the company or individual and recommend other useful financial activity for further plans. Manage files and records, stenography and transaction and other office procedure. 
  • Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval. 
  • Review individual or commercial customer files to identify and select delinquent accounts for collection. 
  • Reconcile customer statements/billings. 
  • Minimize bad debt risk and maximize accounts receivable collections. 
  • Conduct collection calls and customer visits to collect Accounts Receivables. 

junior credit risk analyst

  • Produce necessary analysis and reporting as required by the senior management to monitor the business
  • Monitor the stability and performance of applied scorecards and strategies
  • Monitor and support the activity of different units in the company and propose improvements in the current processes
  • Implements the strategies for contact and risk segmentation of existing customers. Monitors the results and recommends improvements of the existing processes 

senior credit risk analyst

  • Managing Group Credit Risk reporting on behalf of UCFin, Regulatory project developments and Reporting (IFRS9 provisions), Stress testing, ECB Asset Quality Review participation
  • Supervise and support more junior analysts within the team      
  • Project management experience – managing the Risk department participation within the various stages related to launch of a new product (Business requirements, Functional specifications etc.)      
  • Cooperation and synergies within and outside the department to achieve outstanding results