5 Amazing senior credit analyst Resume Examples (Updated 2023) + Skills & Job Descriptions

Assessing risk and advising loan professionals takes acute attention to detail and an analytical mind. Those skills, combined with resources from our job search experts, can also be applied when creating your senior credit analyst resume. Our resume sample shows you how to word your financial assessment experience to turn each task you've performed into a quantifiable goal achieved. For example, how many clients have you helped get the funding they need by producing accurate financial statements? Demonstrating the positive effects of your work can be more appealing than simply listing elements of your former job descriptions. When you are ready to create your document, our templates make the process a breeze. They give you step-by-step guidance so that you don't leave out any pertinent information. Once your resume is complete, proofread it using the tips provided to make it even better. A stellar resume is a useful tool for sparking the interest of potential employers.

Build your resume in 15 minutes

Give yourself the best chance of standing out from the competition!

Create an awesome resume that meets the expectations of potential employers with our selection of professional, field-tested resume templates.

START YOUR RESUME NOW

senior credit analyst: Resume Samples & Writing Guide

Professional Summary

Highly experienced Senior Credit Analyst with a proven track record of success in the Financial Services industry. Skilled at assessing credit risk, developing credit strategies, and creating comprehensive financial reports.

Employment history

Chief Senior Credit Analyst, Morgan Stanley New York, New York

September 2011 – Present

Develop and maintain credit policies and procedures
Prepare and review credit reports and credit scorecards
Prepare and review credit applications, financial statements, and other credit-related documents

Senior Credit Analyst, State Street Corporation Boston, Massachusetts

March 2010 – August 2011

Participate in ad-hoc projects as required
Evaluate and recommend changes to existing credit facilities
Develop and maintain credit policies and procedures

Jr. Senior Credit Analyst, Goldman Sachs New York, New York

March 2009 – March 2010

Analyze credit risk and make recommendations on new and existing credit requests
Negotiate payment terms and credit limits with customers
Monitor and ensure compliance with credit policies and procedures

Education

Wharton School, Philadelphia, Pennsylvania

Bachelor of Arts in Business Management, February, 2009

Skills

Computer Literacy

Project Management

Critical Thinking

Networking

Business Acumen

Financial Modeling

Database Management

Visualization

Do you already have a resume? Use our PDF converter and edit your resume.

Build My Resume

Employment history

Chief Senior Credit Analyst, TD Bank Cherry Hill, New Jersey

March 2018 – Present

Evaluate and recommend changes to existing credit facilities
Prepare and review credit reports and credit scorecards
Develop and maintain credit policies and procedures

Senior Credit Analyst, PNC Financial Services Group Pittsburgh, Pennsylvania

September 2016 – February 2018

Analyze credit risk and make recommendations on new and existing credit requests
Prepare credit reviews and provide recommendations to management
Participate in ad-hoc projects as required

Entry Level Senior Credit Analyst, JP Morgan Chase New York, New York

March 2016 – August 2016

Prepare credit reviews and provide recommendations to management
Maintain and update customer information in the credit system
Liaise with other departments to ensure timely resolution of credit issues

Education

Stanford University, Stanford, California

Doctor of Science in Accounting, January, 2016

Stanford University, Stanford, California

Bachelor of Science in Economics, January, 2012

Skills

Time Management

Process Improvement

Documentation

Innovation

Visualization

Troubleshooting

Computer Literacy

Business Acumen

Build My Resume

Professional Summary

Highly experienced Senior Credit Analyst with an in-depth understanding of financial services and a proven track record of successful credit analysis. Adept at assessing credit risk, developing credit strategies, and managing financial portfolios.

Employment history

Senior Senior Credit Analyst, Bank of America Charlotte, North Carolina

February 2012 – Present

Research and analyze industry trends and customer financials
Prepare credit reviews and provide recommendations to management
Assess and manage credit risk in line with company policies and regulations

Senior Credit Analyst, TD Bank Cherry Hill, New Jersey

August 2011 – January 2012

Monitor and analyze customer credit exposure, financial performance, and payment history
Develop and maintain relationships with customers
Develop and maintain credit policies and procedures

Entry Level Senior Credit Analyst, Morgan Stanley New York, New York

February 2010 – July 2011

Analyze credit risk and make recommendations on new and existing credit requests
Participate in ad-hoc projects as required
Monitor and ensure compliance with credit policies and procedures

Education

University of Chicago, Chicago, Illinois

Certified Public Accountant, December, 2009

Skills

Communication

Listening

Decision Making

Data Analysis

Reporting

Technical Writing

Risk Management

Quality Assurance

Build My Resume

Employment history

Lead Senior Credit Analyst, Morgan Stanley New York, New York

November 2016 – Present

Develop and maintain credit policies and procedures
Prepare and review credit applications, financial statements, and other credit-related documents
Analyze credit risk and make recommendations on new and existing credit requests

Associate Senior Credit Analyst, PNC Financial Services Group Pittsburgh, Pennsylvania

November 2015 – October 2016

Prepare and review credit reports and credit scorecards
Negotiate payment terms and credit limits with customers
Monitor and analyze customer credit exposure, financial performance, and payment history

Jr. Senior Credit Analyst, Bank of America Charlotte, North Carolina

June 2014 – October 2015

Prepare and review credit applications, financial statements, and other credit-related documents
Participate in ad-hoc projects as required
Develop and maintain credit policies and procedures

Education

Columbia University, New York City, New York

Bachelor of Science in Economics, April, 2014

Skills

Emotional Intelligence

Written Communication

Adaptability

Negotiation

Troubleshooting

Strategic Thinking

Risk Management

Reporting

Build My Resume

Employment history

Chief Senior Credit Analyst, Goldman Sachs New York, New York

August 2017 – Present

Assess and manage credit risk in line with company policies and regulations
Prepare and review credit applications, financial statements, and other credit-related documents
Monitor and ensure compliance with credit policies and procedures

Senior Credit Analyst, U.S. Bancorp Minneapolis, Minnesota

August 2016 – July 2017

Develop and maintain credit policies and procedures
Prepare and review credit applications, financial statements, and other credit-related documents
Monitor and analyze customer credit exposure, financial performance, and payment history

Entry Level Senior Credit Analyst, Wells Fargo San Francisco, California

February 2015 – July 2016

Research and analyze industry trends and customer financials
Participate in ad-hoc projects as required
Prepare credit reviews and provide recommendations to management

Education

Wharton School, Philadelphia, Pennsylvania

Bachelor of Arts in Business Administration, December, 2014

Skills

Documentation

Negotiation

Accounting

Documentation

Risk Management

Accounting

Computer Literacy

Financial Management

Use This senior credit analyst Resume Template

Not in love with this template? Browse our full library of resume templates

senior credit analyst Job Descriptions; Explained

If you're applying for an senior credit analyst position, it's important to tailor your resume to the specific job requirements in order to differentiate yourself from other candidates. Including accurate and relevant information that directly aligns with the job description can greatly increase your chances of securing an interview with potential employers.

When crafting your resume, be sure to use action verbs and a clear, concise format to highlight your relevant skills and experience. Remember, the job description is your first opportunity to make an impression on recruiters, so pay close attention to the details and make sure you're presenting yourself in the best possible light.

senior credit analyst

Financial statements expertise
Credit risk review
Loan presentation preparation
Credit risk
Verbal and written communication
Cash Flow analysis

senior credit analyst

Communicate with Customers, Marketing Associates, Sales and Credit Management regarding credit applications, terms, account reconciliation and collections of accounts receivables.
Set up new accounts within 24 hours of receipt, complete credit investigation and advise Sales Associate of the status of their request for credit terms within 48 hours of receipt.
Notify Marketing Associates of accounts placed on stop by voicemail or Transbox immediately and send copies of trial balances to DSM’s and MA’s.
Review trial balances, research invoices, place accounts on and off “stop”, and refer account to third party collections on ongoing basis.
Perform Duties as assigned

sr. credit analyst

Complied with all regulatory laws enforced by federal, State, and local authorities.
Analyzed and underwrote loan documentation: federal tax returns, income statements, credit reports, appraisals, mortgage verifications, and related documents.
Maintained an acceptable level of risk to minimize a financial loss for the banking institution.
Selected and trained new employees, had a lending authority of $150,000, travelled to my team’s territory in California, North Carolina, and Pennsylvania every month.

senior credit analyst

As part of my role as a Senior Credit Analyst, I create credit proposals and reviews for large and mid-corporate clients in Sri Lanka having a minimum turnover of over USD 40Mn.
My portfolio includes a range of standalone clients and conglomerates from a range of sectors, including oil and gas, metals, automobiles, healthcare, manufacturing and transport.
I am responsible for the preparation of quality Business Credit Applications (credit papers) for new deals and renewals and identifying revenue opportunities and product partnerships to improve SCB’s relationship with client and drive revenue.
This includes detailed analysis into the client’s business model, operating cycle, strategy, management structure and financial performance.
I am required to understand the key financing needs of the client and justify products to cater to their needs (this includes FX related products for hedging/ conversions, trade products for short-term working capital needs, term lending or project-specific funding).
As part of the financial risk analysis, I create financial models for each deal and simulate projections and run scenario analysis to assess the client’s risk appetite and security structure required. This includes analysis of their income statement, balance sheet and cashflow statement and key ratios such as gearing, debt/ EBITDA, and liquidity ratios.
I also have extensive experience in loan structuring and monitoring of repayment schedules through models created and have technical knowledge in trade and cash management products.

senior credit analyst

Detailed analysis of financial data such as company tax returns & individual tax returns
Approve, Condition or Decline applications that are within my DLA ($150,000 limit on automotive/ equipment finance)
Senior Analyst – Review other colleagues recommendations and make a decision to support or decline
Train new staff on how to review and assess new credit applications
Adhere to strict lending policies and procedures when assessing credit application for AUS & NZ
Obtain reference checks
Liaise with Business Managers and Relationship Managers on conditioned application or escalations

1 2 3

senior credit analyst Job Skills

For an senior credit analyst position, your job skills are a key factor in demonstrating your value to the company and showing recruiters that you're the ight fit for the role. It's important to be specific when highlighting your skills and ensure that they are directly aligned with the job requirements, as this can greatly improve your chances of being hired. By showcasing your relevant skills and experience, you can make a compelling case for why you're the best candidate for the job.

How to include technical skills in your resume:

Technical skills are a set of specialized abilities and knowledge required to perform a particular job effectively. Some examples of technical skills are data analysis, project management, software proficiency, and programming languages, to name a few.

Add the technical skills that will get hired in your career field with our simple-to-use resume builder. Select your desired resume template, once you reach the skills section of the builder, manually write in the skill or simply click on "Add more skills". This will automatically generate the best skills for your career field, choose your skill level, and hit "Save & Next."

Data Analysis
Project Management
Database Management
Financial Management
Risk Management
Quality Assurance
Troubleshooting
Computer Literacy
Technical Writing
Business Acumen
Process Improvement
Visualization
Reporting
Strategic Thinking
Accounting
Relationship Management
Innovation
Supervisory
Documentation
Financial Modeling

How to include soft skills in your resume:

Soft skills are non-technical skills that relate to how you work and that can be used in any job. Including soft skills such as time management, creative thinking, teamwork, and conflict resolution demonstrate your problem-solving abilities and show that you navigate challenges and changes in the workplace efficiently.

Add competitive soft skills to make your resume stand-out to recruiters! Simply select your preferred resume template in the skills section, enter the skills manually or use the "Add more skills" option. Our resume builder will generate the most relevant soft skills for your career path. Choose your proficiency level for each skill, and then click "Save & Next" to proceed to the next section.

Communication
Interpersonal
Leadership
Time Management
Problem Solving
Decision Making
Critical Thinking
Creativity
Adaptability
Teamwork
Organization
Planning
Public Speaking
Negotiation
Conflict Resolution
Research
Analytical
Attention to Detail
Self-Motivation
Stress Management
Collaboration
Coaching
Mentoring
Listening
Networking
Strategic Thinking
Negotiation
Emotional Intelligence
Adaptability
Flexibility
Reliability
Professionalism
Computer Literacy
Technical
Data Analysis
Project Management
Customer Service
Presentation
Written Communication
Social Media
Troubleshooting
Quality Assurance
Collaboration
Supervisory
Risk Management
Database Management
Training
Innovation
Documentation
Accounting
Financial Management
Visualization
Reporting
Business Acumen
Process Improvement
Documentation
Relationship Management.

How to Improve Your senior credit analyst Resume

Navigating resume pitfalls can mean the difference between landing an interview or not. Missing job descriptions or unexplained work history gaps can cause recruiters to hesitate. Let's not even talk about the impact of bad grammar, and forgetting your contact info could leave your potential employer hanging. Aim to be comprehensive, concise, and accurate.

Employment history

Senior Senior Credit Analyst, State Street Corporation Boston, Massachusetts

September 2020 – May 2022

Negotiate payment terms and credit limits with customers
Research and analyze industry trends and customer financials
Prepare credit reviews and provide recommendations to management

Associate Senior Credit Analyst, PNC Financial Services Group Pittsburgh, Pennsylvania

April 2019 – August 2020

Research and analyze industry trends and customer financials
Monitor and ensure compliance with credit policies and procedures
Prepare credit reviews and provide recommendations to management

Jr. Senior Credit Analyst, Citigroup New York, New York

September 2018 – March 2019

Education

MIT Sloan School of Management, Cambridge, Massachusetts

Doctor of Philosophy in Accounting, July, 2018

MIT Sloan School of Management, Cambridge, Massachusetts

Bachelor of Arts in Business Law, July, 2014

Skills

Adaptability

Professionalism

Networking

Written Communication

Visualization

Strategic Thinking

Risk Management

Documentation

Unexplained Year Gaps and Missing Job Experiences are a No-no

Gaps in your resume can prevent recruiters from hiring you if you don't explain them.

Key Insights

It's okay to have gaps in your work experience but always offer a valid explanation instead of just hiding it.
Use the gap to talk about positive attributes or additional skills you've learned.
Be honest and straightforward about the gap and explain it using a professional summary.

How to Optimize Your senior credit analyst Resume

Keep an eye out for these resume traps. Neglecting to detail your job roles or explain gaps in your career can lead to unnecessary doubts. Grammar blunders can reflect negatively on you, and without contact information, how can employers reach you? Be meticulous and complete.

Professional Summary

Highly experienced Senior Credit Analyst with a proven track record of success in the financial services sector. Adept at assessing and mitigating credit risk, leading loan origination and underwriting processes, and developing effective strategies for portfolio management.

Employment history

Senior Senior Credit Analyst, Wells Fargo San Francisco, California

January 2014 – Present

Reasearch and analye industry trends and custome financals.
pariticpate in ad-hoc projcts as requird.
Prepair and revieuw credet applications, finanical statments, and other credit-relatd documents.

Associate Senior Credit Analyst, Citigroup New York, New York

July 2012 – December 2013

Liaise wit othr departments too ensur timely resolution of credit issuess.
Prepear and revieuw credit applications, financial statements, and otha credit-related documnets.
Analise credit risck and make recomendations on new and exsisting credit requsts.

Entry Level Senior Credit Analyst, Wells Fargo San Francisco, California

January 2012 – June 2012

Paricipate in ad-hoc projecs as requiered.
Mointor and anaylze custmer credti exposuer, financail performace, and paymnet histroy.
Moniter and ensur compliance with credit policys and proceduers.

Education

Kellogg School of Management, Evanston, Illinois

Certified Retirement Counselor, November, 2011

Skills

Process Improvement

Flexibility

Professionalism

Collaboration

Relationship Management

Accounting

Project Management

Business Acumen

Avoid Spelling Mistakes and Include your Contact Information

Missing contact information prevents recruiters from understanding you're the best fit for the position.

Key Insights

Make sure you're not missing contact information on your resume. That should include your full name, telephone number and email address.
Make sure to use a professional email address as part of your contact information.
Highlight your contact information and double check that everything is accurate to help recruiters get in touch with you.

senior credit analyst Cover Letter Example

A cover letter can be a valuable addition to your job application when applying for an senior credit analyst position. Cover letters provide a concise summary of your qualifications, skills, and experience, also it also gives you an opportunity to explain why you're the best fit for the job. Crafting a cover letter that showcases your relevant experience and enthusiasm for the Accounts Payable role can significantly improve your chances of securing an interview.

Chief Senior Credit Analyst
Goldman Sachs
New York, New York

Greetings Goldman Sachs Hiring Team

I am a highly motivated and experienced Senior Credit Analyst with 14 years of experience in Financial Services. I am excited to apply for the Chief Senior Credit Analyst position at Goldman Sachs, where I am confident that I can contribute to your organization's success.

Growing up, I always had a fascination with Financial Planning. As I pursued my education and gained experience in this field, I realized that this was where I could make the most impact. I have had the opportunity to work on things throughout my career like personal projects and voluntary work, which have developed in me a deep understanding of the challenges and opportunities in this field. I am excited to bring my passion and expertise to the role at and help your organization achieve its goals.

Thank you for considering my application for the Chief Senior Credit Analyst role at your organization. I am dedicated to continuous improvement, and elated about the opportunity to join your team and work towards achieving our shared goals together.

Best regards,
Dale Smith
848-817-5467
[email protected]

Dale Smith

CUSTOMIZE THIS COVER LETTER

Showcase your most significant accomplishments and qualifications with this cover letter.
Personalize this cover letter in just few minutes with our user-friendly tool!

Related Resumes & Cover Letters