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Commercial credit analyst skills for your resume and career
15 commercial credit analyst skills for your resume and career
1. Credit Analysis
Credit analysis is the process of evaluating a person's or company's ability to repay their debts.
- Conducted credit analysis including: gathering, analyzing and interpreting all types of credit information on existing and prospective customers
- Reviewed applicant credit analysis to determine quality and sufficiency in order to make proper recommendation for approval or decline.
2. Customer Service
Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.
- Managed and directed daily activities of loan administrators for Richmond and Baltimore locations and maintained all customer service satisfaction goals.
- Maintained excellent relationship and customer service with all parties, including selling banks/financial institutions, borrowers and co-workers.
3. Strong Analytical
- Apply strong analytical, negotiation and communication skill and persona risks by reviewing applications, and statistical data.
- Maximize revenue by balancing market penetration with sound risk management principles, demonstrating strong analytical skills and sound underwriting judgment.
4. Real Estate
Real estate is land that has buildings on it. This kind of property consists of permanent improvements either natural or man-made, which include, houses, fences, bridges, water trees, and minerals. There are 4 types of real estate namely; residential real estate, commercial real estate, industrial real estate, and vacant land.
- Spread and analyzed business financial information for commercial real estate and Small Business Administration transactions to ascertain overall credit risk.
- Conduct in depth credit investigation, evaluation and analysis of credit worthiness of agricultural, commercial and real estate customers.
5. Financial Statements
A financial statement is a report of an individual or a company that includes all the information about the declared assets, the use of money, income, and also the contribution of shareholders over a certain period.
- Review and analyze historical business financial trends and personal financial statements/credit reports and other supporting documentation to determine credit risk.
- Reviewed and analyzed monthly dealership financial statements to ensure capitalization covenants were maintained; delivered recommendations to Dealer Credit Manager.
6. Credit Worthiness
- Analyzed financial documents including tax returns to determine customer's credit worthiness while mitigating risk of the financial institution.
- Assisted Relationship Manager by providing the support resources necessary to analyze the credit worthiness and profitability of the relationship.
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- Perform industry analysis, financial statement analysis, cash flow analysis, sensitivity analysis, and perform working capital models.
- Analyzed cash flow statements to determine debt service capacity and credit quality to effectively make judgmental decision.
8. Loan Portfolio
- Performed due diligence/audit functions for new prospective servicing opportunities on third party commercial loan portfolios and CMBS portfolios.
- Managed portfolio of existing business customers; including quarterly financial trend analysis and loan portfolio performance.
9. Risk Analysis
- Conducted extensive risk analysis on extending lines of credit to international clients.
- Analyzed financial reports, identified financial risks and contracted risk analysis.
10. Credit Risk
Credit risk entails the risk experienced by a lender from the possibility of losing money due to a borrower failing to repay or meet their obligations set out in a loan contract. Credit risk manifests in many forms including loans (the most popular), letters of credit, foreign exchange and lines of credit.
- Reviewed and analyzed customer financial information for the accurate underwriting of commercial loan requests and to determine credit risks.
- Understand financial analysis and market trends to effectively monitor credit risk and exposure.
11. Financial Data
- Conduct investigation and analysis of routine financial data to facilitate the credit extension decision-making process.
- Review financial data and conduct secondary reviews to identify and resolve missed business.
12. Credit Quality
- Review credit line, prepare credit reference and monitor credit quality and identify early warning signals.
- Provide support in underwriting and analyzing new loan requests to help ensure proper credit quality.
13. Cash Flow Analysis
- Recognized for quality and completion of complicated discounted cash flow analysis of electric power portfolio and presented results to senior managers.
- Perform cash flow analysis and comparisons by compiling sensitive data from monetary bureaus and conducting industry peer comparison.
14. Financial Statement Analysis
- Monitored dealer financial performance while providing sound and reasoned credit recommendations to Senior Management based on financial statement analysis.
- Perform independent financial statement analysis in accordance with established procedures for existing and potential borrowers.
15. Financial Performance
- Tracked customers' financial performance, covenant compliance and reporting requirements.
- Risk rated the companies on a regular basis by analyzing financial performance.
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David Feldman Ph.D.
Professor of Urban Planning and Public Policy and Political Science, Director, Water UCI, Director, MPP Program, University of California, Irvine
List of commercial credit analyst skills to add to your resume
The most important skills for a commercial credit analyst resume and required skills for a commercial credit analyst to have include:
- Credit Analysis
- Customer Service
- Strong Analytical
- Real Estate
- Financial Statements
- Credit Worthiness
- Cash Flow
- Loan Portfolio
- Risk Analysis
- Credit Risk
- Financial Data
- Credit Quality
- Cash Flow Analysis
- Financial Statement Analysis
- Financial Performance
- Commercial Loans
- Customer Calls
- Tax Returns
- Loan Documentation
- Commercial Banking
- Credit Policy
- Credit Reports
- Bank Secrecy Act
- Loan Committee
- Credit Analysts
- Risk Ratings
- Loan Structure
- Credit Approval
- Due Diligence
- Origination
- Credit Memos
- Industry Analysis
- Loan Review
- Credit Bureaus
- Balance Sheet
- Loan Covenants
- Loan Packages
- Loan Applications
- Covenant Compliance
- Credit Exposure
- Underwriting Process
- Collateral Analysis
- Loan Approval
- Credit Decisions
- SBA
- Loan Presentations
- UCC
- Credit Packages
- Financial Ratios
Updated January 8, 2025
