AMY SMITH
123 Main Street • Atlanta, Georgia • 30339
Home: (555) 555-1234, Cell: (555) 555-1235
asmith@sample~resume.com
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Objective: Seek the Position of Credit Analyst
SUMMARY: Remarkably knowledgeable, self motivated and result-oriented Credit Analyst with huge background analyzing paying habits of customers who are delinquent in payment of bills and recommending action; and ensuring Company credit policies and procedures are adhered to.
Summary of Qualifications
More than six years experience.
Strong communication skills, both verbal and written.
Profound analytical skills.
Exceptional knowledge of financial analysis that includes the ability to assess historical financial performance, cash flow, industry and competitive analysis and projections.
Strong business and industry knowledge.
Deadline oriented, Team Player.
Remarkable proficiency with personal computer, MS Office (i.e., Excel and Access).
Immense problem recognition and resolution skills.
Professional Experience
Standard Alliance Inc., Minneapolis 2002 - Present
Credit Analyst
Perform quarterly review of major customers through performing financial analysis and review of 10K & 10Q publications.
Perform annual reviews of all customers through review of publicly available material, including Dun & Bradstreet, along with other 3rd party reports and references.
Perform credit risk assessments of new customers.
Perform assessments of current and new vendors through use of publicly available and Dun & Bradstreet material.
Maintain working knowledge of industry and economic events having an impact on operations.
Maintain internal databases with credit risk & credit limit information.
Assist with the billing of detention and application of contract exceptions.
Assist with the analysis of detention disputes.
Perform special project as assigned by Management.
Rainbow Resources, Minneapolis 2000 - 2002
Credit Analyst Intern (under supervision)
Performed cash flow analysis and financial statement analysis by using advanced accounting skills.
Developed credit histories by compiling financial information.
Interpreted financial and specific industry trends and customer data financial spreadsheets on customers; categorized and entered data; analyzed data.
Maintained historical studies of customers by compiling and analyzing financial developments; comparing industry and company statistics.
Provided feedback to Credit Analysis Manager and commercial lenders regarding the structure of loans.
Maintained ongoing communication with commercial lenders on status of deals.
Tracked and periodically reported status workload to Credit Analysis Manager.
Tracked outstanding loan covenants as direct by Credit Analysis Manager.
Contributed to team effort by accomplishing related results as needed.
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