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 Risk Analyst
SUMMARY: Highly knowledgeable and reliable Risk Analyst with great experience creating strategies that drive profitable growth; developing and maintaining strategies that carefully balance risk and reward as a means of achieving growth targets and financial objectives.
Summary of Qualifications
More than six years experience.
Strong exposure to statistical packages such as SAS and data mining tools (e.g. SQL server).
Thorough understanding of the concepts of credit scoring.
Strong knowledge of credit risk model development & strategy design.
Proven data processing and statistical analysis experience.
Sound experience of working with complex data from multiple sources.
Excellent PC skills.
Sound logical approach to problem solving in relation to both business and technical issues.
Proven ability to work effectively within a team environment.
Strong verbal and written communication skills with a proven track record of selling ideas and proposals to senior management.
Uncommon exposure of Risk Management techniques within a Business / Commercial Lending environment.
Highly self motivated and flexible with the ability to meet tight deadlines and work under own initiative.
Solid understanding of business P&L and its key drivers.
Profound knowledge of modeling software such as Enterprise Miner, Knowledge Studio or equivalent package.
Professional Experience
Standard Bank Express Inc., Minneapolis 2002 - Present
Risk Analyst
Develop business strategies (to include - line management, reissue, authorizations, risk based pricing and new application automation) that deliver measurable profitable growth.
Perform business analysis and report to understand financial performance by risk and key channel and partner sub-sectors that will be used to inform future investment decisions.
Perform analysis of the relative success of the current strategy suite.
Recommend actions where applicable, developing new Challenger strategies where appropriate.
Liaise with senior management in key business areas impacted by strategy changes.
Liaise with scoring analysts to apply the insights from application, behavioural and bureau scorecard monitoring into strategy developments.
Perform new business loss forecasting and tracking.
Optimize the risk and reward balance by applying and assessing the NPV performance across the various portfolio segments.
Standard Bank Express Inc., Minneapolis 2000 - 2002
Risk Analyst Intern (under supervision)
Managed resources wisely.
Evaluated sources of action and proposed business decisions.
Protected the organization's assets and public image.
Conducted research to assess the severity of risk.
Conducted statistical analysis to evaluate risk and used statistical software such as SPSS and SAS.
Made recommendations to reduce/control risk, which involved insurance strategy.
Reviewed legal documents.
Presented ideas via reports and presentations, outlining findings and making recommendations for improvements.
Worked with traders to calculate the risk associated with specific transactions.
Forecast and monitored market trends.
Analyzed bank's market position and ran figures through complex modeling techniques to find value at risk (VAR) measurements.
Carried out quantitative analysis.
Education
Bachelor's Degree in Accounting University of Minneapolis (2000)