Top Credit Analyst Skills

Below we've compiled a list of the most important skills for a Credit Analyst. We ranked the top skills based on the percentage of Credit Analyst resumes they appeared on. For example, 14.6% of Credit Analyst resumes contained Credit Reports as a skill. Let's find out what skills a Credit Analyst actually needs in order to be successful in the workplace.

The six most common skills found on Credit Analyst resumes in 2020. Read below to see the full list.

1. Credit Reports

high Demand
Here's how Credit Reports is used in Credit Analyst jobs:
  • Provided professional, courteous service to Sales staff calling for decisions related to credit applications and evaluated inconsistencies in credit reports.
  • Read credit reports and determined eligibility as related to lending guidelines; Communicated with dealers to facilitate funding and loan processing.
  • Reviewed and analyzed mortgage modification applications with in-depth financial and property analysis of credit reports, tax returns and appraisals.
  • Processed credit applications to determine - Obtained and analyzed customer credit reports - Provided excellent customer service while exceeding daily quotas
  • Reviewed and analyzed customers credit reports for customers; helped improve customer credit scores and exceeded productivity and quality scores.
  • Maintained credit department documentation which included processing of credit applications, puling credit reports, and sending credit references.
  • Assisted in the preparation of credit reports for presentation to senior credit officers providing reliable and accurate financial information.
  • Interpret commercial and consumer credit reports and develop verification questions and use verification tools to avoid fraud.
  • Provided exceptional customer service and answered customer inquiries regarding credit reports and federal guidelines for credit lending.
  • Confirmed available cash service for new loans through comprehensive examination of business and personal credit reports.
  • Reviewed credit reports and other investments to determine customers ability to pay and credit worthiness.
  • Analyzed credit reports and financial statements to determine credit worthiness and reduce risk exposure.
  • Retrieved and analyzed credit reports and debt-to-income ratios, to establish credit worthiness.
  • Analyzed and reviewed credit reports and public documents to verify applicant's identity.
  • Analyzed credit information to develop commercial credit reports and assign a credit rating.
  • Analyzed customers credit reports using the CAS system to determine service eligibility.
  • Analyzed consumer credit reports and financial information to make informed credit decisions.
  • Analyze customer credit reports and loan applications to determine qualifications.
  • Reviewed Applications and credit reports for small business credit applications.
  • Reviewed credit reports using debt/ration calculations for large ticket merchandise.

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2. Loan Portfolio

high Demand
Here's how Loan Portfolio is used in Credit Analyst jobs:
  • Charter Strategies helps financial institutions enhance loan portfolio performance and profitability while establishing and implementing enterprise risk management processes.
  • Analyzed loan portfolios through financial statement analysis, cash flow analysis, ratio analysis and documentation research.
  • Supported 3 Commercial Banking Officers in managing their loan portfolios including covenant compliance and other administrative tasks.
  • Monitor the loan portfolio for deterioration in credit quality, ensuring timely processing of renewals and extensions.
  • Managed a small business loan portfolio including applications, underwriting, documentation, closing and auditing.
  • Maintained quality of current loan portfolio through monitoring delinquencies and ensuring acceptable credit standards are maintained.
  • Supported risk management of existing loan portfolios addressing risk grades, industry concentrations and performance.
  • Created additional sale opportunities for Business Development Officers through management of their existing loan portfolios.
  • Monitored loan portfolio performance through quarterly reports, including covenant testing and financial performance analysis.
  • Conducted analysis of loan portfolio to determine portfolio strengths and weaknesses and provide recommendations.
  • Reviewed unsecured loan requests while eliminating company risk and maintaining a quality loan portfolio.
  • Performed portfolio wide analysis to evaluate loan portfolio quality and establish risk ratings.
  • Complete quarterly compliance certificate and annual review as required for existing loan portfolios.
  • Analyze and monitoring commercial loan portfolio and analyzing new commercial loan requests.
  • Maintained existing loan portfolios and account relationships and oversaw all lending functions.
  • Helped manage dealership loan portfolios to ensure long-term profitability and leverage risk.
  • Prepared credit analysis on loan portfolio utilizing company and industry research.
  • Monitored ongoing business activities and financial performance of loan portfolio.
  • Stress tested loan portfolio and available liquidity under various scenarios.
  • Performed monthly and quarterly loan portfolio reporting and administration.

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3. Customer Service

high Demand
Here's how Customer Service is used in Credit Analyst jobs:
  • Worked closely with customer service staff as a liaison between customer and sales representatives to develop and maintain excellent sales/credit relationships.
  • Developed new personnel who had completed initial training program by providing hands on skills training in customer service and credit analysis
  • Provided excellent customer service strategies to build loyal customer relationships, offering personal attention to our customers financial needs.
  • Provide excellent customer service to dealer partners and effectively communicate credit decisions that support the company's competitive advantage.
  • Manage underwriting, customer service and dealer relationships within a designated territory out of a regional buying center.
  • Developed and maintained positive business relationships with dealers, provided customer service on consumer questions regarding credit policy.
  • Received numerous Shared Success and Quality Gram awards for outstanding customer service and contributions to meeting team objectives.
  • Trained several co-workers to handle returns and complaints, thereby managing the time of customer services representatives effectively.
  • Maintained positive customer service throughout the loan process, and fielded questions regarding documentation and guideline requirements.
  • Received several awards for outstanding customer service provided from customer feedback for the exceptional services they received.
  • Coordinate information with Sales and customer Service to enable timely resolution of valid versus now valid deductions.
  • Recognized for providing excellent customer service while maintaining the confidentiality of clients and security of information.
  • Manage daily operations that includes ensuring corporate credit policies and customer service expectations are met.
  • Nurtured strong business relationships with clients through frequent communication regarding customer service and account inquiries.
  • Received multiple awards for exceptional customer service skills and going above-and-beyond the job requirements.
  • Developed effective collection techniques and consistently exceed collection targets while maintaining excellent customer service.
  • Employed proficient customer service skills to establish client relationships to ensure company capitalization growth.
  • Maintained great customer service by actively listening and offering assistance during the application process.
  • Maintained call center requirements as well as customer service satisfaction on each application.
  • Provided face-to-face & phone customer service to clients regarding general checking/savings account maintenance.

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4. Financial Statements

high Demand
Here's how Financial Statements is used in Credit Analyst jobs:
  • Analyzed financial statements, prepared cash flow projections and compiled business information to prepare commercial credit applications for loan committee review.
  • Analyzed small business financial statements, tax returns, personal financial statements, creating spreadsheets and completing commercial credit presentations.
  • Analyzed business credit applications, financial statements, and purchase orders for establishment of initial credit lines within company guidelines.
  • Gathered and interpreted financial statements and projections from privately held and publicly traded corporate borrowers, foreign and domestic.
  • Reviewed historical financial statements including proforma adjustments, credit agreements, amendments, compliance certificates and historical market data.
  • Assisted in transferring the relationship management of mutual bank customers by obtaining historical financial statements and previous credit packages.
  • Analyzed complex financial statements to determine creditworthiness of borrower, and identifies action plans as appropriate to mitigate risk.
  • Analyzed and interpreted financial statements, prepared and presented loan requests, monitored loan performance and compliance with loan agreements
  • Analyzed financial statements of international corporations and recommended appropriate credit limitations, typically in excess of $1,000,000.
  • Provided relationship and portfolio managers with analyst expertise on customer calls during financial statements discussions and credit offerings.
  • Evaluated eligibility for credit of new and existing customers by analyzing financial statements, bank and trade references.
  • Computed and analyzed confidential financial statements to defend business loan worthiness of low-wealth individuals, women and minorities.
  • Processed commercial credit applications from other airlines for maintenance requests including analysis of financial statements, DUNS reports.
  • Minimize dealer and company risk through meticulous analysis of financial statements, income documentation, and contract packages.
  • Analyzed credit bureau, financial statements, and other application related information to determine applicant's credit worthiness.
  • Assessed commercial customer credit history based on financial statements/tax returns and issued weekly reports to the management committee.
  • Analyzed financial statements and tax returns of commercial borrowers to determine business quality and debt repayment capacity.
  • Evaluated financial condition of each financial institution by analyzing their financial statements and preparing credit committee write-ups.
  • Requested and inputted updated customer yearly financial statements as per company policy into core document tracking system.
  • Analyzed financial statements of middle market companies and prepared projections utilizing historical financial data and operating trends.

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5. Credit Limits

high Demand
Here's how Credit Limits is used in Credit Analyst jobs:
  • Determined credit worthiness and evaluated customer financial statements and other credit related information, set appropriate credit limits for customers.
  • Determined credit worthiness and established credit limits for potential and existing customers through Dun & Bradstreet and payment analysis.
  • Analyzed customer financial data and made credit decisions for establishing customer credit limits and ratings prior to providing services.
  • Determined credit worthiness of new and existing customers and setting appropriate credit limits by reviewing credit applications and references.
  • Evaluated customers' business condition and creditworthiness via financial statement analysis; Assigned and revised credit limits accordingly.
  • Processed credit applications by reviewing data and compiling appropriate credit limits for a major credit company.
  • Analyzed financial statements to establish credit limits and authorized credit extensions to minimize risk of loss.
  • Created and implemented ratio Excel formulated spreadsheet for department use when establishing or adjusting credit limits.
  • Established credit limits for new commercial accounts using standard accounting principles and managed corporate accounts.
  • Analyzed financial data to determine credit worthiness and credit limits for potential and existing customers.
  • Analyzed and determined credit limits for new and existing customers and assigned internal credit ratings.
  • Analyzed new customer credit applications for approval and establishment of credit limits within company guidelines.
  • Analyzed customer credit worthiness and established and confirmed all customer credit limits and payment terms.
  • Analyze publicly traded US and Canadian Government entities for determining creditworthiness and credit limits.
  • Assist Division Portfolio Managers on approving credit limits, establishing lending guidelines and policies.
  • Evaluate applications for credit to determine eligibility and establish credit limits for approved applicants.
  • Performed credit / business background investigations on new accounts to determine appropriate credit limits.
  • Conducted credit analysis on Borrower to recommend internal risk ratings and credit limits.
  • Evaluated consumer credit applications regarding risk assessments that established and managed credit limits.
  • Organized detailed write-ups and credit limits recommendation on all current and potential customers.

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6. Credit Card Applications

high Demand
Here's how Credit Card Applications is used in Credit Analyst jobs:
  • Analyze personal and business credit card applications to approve or decline requests based upon judgmental lending philosophy.
  • Reviewed credit card applications for approval Resolved problems with third party service providers to ensure successful processing
  • Preformed analysis on credit card applications to determine credit worthiness for all personal card products.
  • Approved credit card applications and also reviewed and revoked any accounts based credit history.
  • Processed credit card applications with an emphasis on both customer service and departmental goals
  • Analyze new credit card applications to determine actions necessary to establish credit worthiness.
  • Conducted investigation on new credit card applications for consumer and business populations.
  • Follow strict safety procedures to submit credit card applications without compromising privacy.
  • Completed customer credit card applications accurately and met department quality standards.
  • Reviewed credit card applications for fraud and verification of provided information.
  • Rendered Credit decisions on credit card applications utilizing judgmental credit standards.
  • Approved new credit card applications after thoroughly analyzing credit bureau information.
  • Process Secured Visa Credit Card applications based on various consumer credentials.
  • Verified information and processed new credit card applications.
  • Reviewed and processed co-branded credit card applications.
  • Input customer information for credit card applications.
  • Reviewed credit card applications for approval.
  • Identified fraudulent credit card applications.
  • Reviewed and analyzed credit card applications while maintaining a professional attitude and manner with applicant over the telephone and online chat.
  • Reviewed credit card applications and making a conformed decision if the applicant was credit worthy for a line of credit.

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7. Credit Line Increases

high Demand
Here's how Credit Line Increases is used in Credit Analyst jobs:
  • Processed and made credit decisions regarding secured and unsecured credit line increases within approved limits.
  • Reviewed credit card accounts and approved credit line increases within automatic increase authority limits.
  • Reviewed existing Bankcard/Emergency and Private Label Oil accounts queues for credit line increases/decreases.
  • Submit evaluations and recommendations of high credit line increases to management.
  • Updated customer information and submitted applications for credit line increases.
  • Granted credit line increases based on customer financial information.
  • Set up and maintained credit card accounts; reviewed existing credit card accounts for credit line increases and possible fraudulent activity.
  • Provided excellent service with fraud prevention, customer service, and credit line increases with precise judgment to make a decision.
  • Developed multiple Marketing programs; Check Mailings, Credit Line Increases, Rebate programs, Platinum upgrades and Retention Profit Analysis.
  • Work closely with sales team and dealership to pull documentation and analyze information to make decisions on possible credit line increases.
  • Processed consumer credit card applications as well as credit line increases and separation of account requests from bankers and customers.
  • Analyzed existing accounts to determine creditworthiness for credit line increases, as well as identified accounts in need of decreases.
  • Processed credit line increases, rein statements, credit bureau updates, explained credit line reductions and general service inquires.
  • Processed new credit applications, credit line increases, and advised customers of any closure or credit line decrease reasons.
  • Handle incoming calls regarding lost or stolen cards, credit line increases, adding additional cardholders, cancellations, etc.
  • Risk department - Reviewing and underwriting accounts for large dollar charges, credit line increases to limit credit loss.
  • Approve credit card applications, credit line increases, account and fraud verification, card reissues and address changes.
  • Processed and approved credit lines and credit line increases for companies doing business with our North American Branches.
  • Evaluated customer requests for credit cards, loans, credit line increases, and consumer loan products.
  • Processed new account requests and reviewed existing accounts for credit line increases and reinstatement of charge privileges.

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8. Customer Accounts

high Demand
Here's how Customer Accounts is used in Credit Analyst jobs:
  • Analyzed customer accounts, obtained funds that were outstanding, and increased customer satisfaction through effective problem solving and account reconciliation.
  • Perform collections calls and establish written communications from a large portfolio of customer accounts using analysis and critical thinking skills.
  • Participated in internal projects to identify and implement improved processes and methods for handling complex and higher risks customer accounts.
  • Recognized the need to and practiced strong communication with customer accounts payable department personnel to drastically reduce payment period.
  • Prepared monthly forecast by researching customer accounts and contacting customers to ensure timely payment of accounts receivables.
  • Analyzed customer accounts to provide alternate recommendations to clients in order to resolve account balances expeditiously.
  • Processed internal credit memorandums to customer accounts, after thorough investigation of discrepancy or problem.
  • Performed effective collection activities on customer accounts as determined by trial balance and company policy.
  • Assume responsibility for timely payment and collection for an assigned portfolio of customer accounts receivable.
  • Analyzed customer accounts and assigned credit terms, ensured that customer remained within credit/payment terms.
  • Corresponded with Regional Account Managers in identifying and resolving issues with high-profile customer accounts.
  • Maintained record of all activity on customer accounts by documenting activity in account notes.
  • Analyze customer credit worthiness and assist other vendors with credit information on customer accounts.
  • Performed Credit and Collections functions for portfolio of national and international customer accounts.
  • Monitored and researched customer accounts and credit information to ensure continued credit worthiness.
  • Reviewed and serviced customer accounts by enforcing collection policies and monitoring trading activity.
  • Assisted BSA Officer in executing investigations and monitoring of high-risk customer accounts.
  • Monitored customer accounts that detailed non-payments, delayed payments and other irregularities.
  • Assisted in making financial decisions to protect/collect revenues and adjusts customer accounts.
  • Analyzed customer accounts and negotiated save offers to determine appropriate interest rate.

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9. Credit Risk

high Demand
Here's how Credit Risk is used in Credit Analyst jobs:
  • Evaluated the credit risk of delinquent customers by performing financial analysis to determine eligibility for workout options to minimize losses.
  • Prepared quality, detailed financial analysis including cash flow models and collateral evaluations in order to identify potential credit risks.
  • Facilitated credit administration in performing projects aimed at identifying and limiting credit risks within the loan and lease portfolio.
  • Analyzed various company's operating performance and financial condition to understand business trends and to identify credit risks.
  • Analyzed financial statements of factored customers to examine credit risk and to determine and implement appropriate credit lines.
  • Reviewed and analyzed online banking/ACH transactions prior to release/approval to determine if fraud exists and credit risk exposure.
  • Communicate decisions that most effectively mitigate credit risks for bank, including data integrity and validity of information submitted
  • Analyze and underwrite individual and company financial statements using finance and accounting principles to determine credit risks.
  • Performed financial analysis of new and existing customers to determine credit risk and potential for fraudulent behavior.
  • Communicate possible credit application denial of high credit risk customers to Manager of Centralized Business Operations.
  • Summarized and provided written portfolio reviews outlining overall asset quality and credit risk management practices.
  • Process credit applications, analyzed and evaluate customer credit risk, proposed recommendations to management.
  • Suggested improvements for credit limit policy to decrease credit risk and enhanced customer satisfaction.
  • Mitigated credit risk by negotiating collateral requirements and restructuring contract terms as required.
  • Authored credit proposals to facilitate lending decision making and credit risk control.
  • Identify opportunities to reduce credit risk and make recommendations to limit exposure.
  • Spread borrower financial statements using excel software to identify credit risk.
  • Gained extensive experience analyzing credit risks and interacting with credit bureaus.
  • Prepare and present required corporate credit risk reports at corporate quarterly meeting
  • Researched and examined credit risk and history to minimize business disruption.

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10. New Accounts

high Demand
Here's how New Accounts is used in Credit Analyst jobs:
  • Worked with the Credit Department to establish new accounts; assists customer in preparing and processing credit/financing arrangements paperwork.
  • Reviewed credit card applications and made decisions declining or approving new accounts according to department policies and guidelines.
  • Established new accounts built and maintained long term business relationships by providing quality customer service.
  • Investigated credit applications to establish credit lines for new accounts and reviewed existing accounts annually.
  • Planned successful marketing and advertising strategies targeting and developing new accounts and loan products.
  • Received Customer Listening Commendations for superior and sound decision making on new accounts.
  • Analyzed new accounts in accordance with federal regulations and established lending policies.
  • Credit Analysis, Customer Service Representative for New Accounts and Information Verification.
  • Job Responsibilities included reviewing credit applications, and processing new accounts.
  • Conducted credit investigations for new accounts and presented recommendations to management.
  • Supported management in opening new accounts and upgrading existing service.
  • Prepared recommendations and made credit approval decisions on new accounts.
  • Managed receivables and evaluated credit worthiness of new accounts.
  • Evaluated credit applications and opened new accounts.
  • Process credit applications and established new accounts.
  • Determine eligibility for new accounts.
  • Process all credit application for new accounts using CRM, D&B and credit references and other accessible public information.
  • Performed credit check on new accounts with sales volume >$75K and must response back to sales within 24-48 hours.
  • Reviewed credit applications and contacted wholesalers to open new accounts, negotiate terms, credit lines, and repayment options.
  • Open New Accounts * Allocate Money Received * Collections * Customer Service * Prepare Documentation For Financing * Liens * Filing

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11. Income Tax Returns

high Demand
Here's how Income Tax Returns is used in Credit Analyst jobs:
  • Reviewed borrower financial statements and income tax returns to determine borrower financial capacity.
  • Analyzed borrower financial statements and income tax returns in determining loan viability.
  • Review credit bureaus, financial statements, income tax returns and account behavior and payment patterns to make these decisions.
  • Performed financial statement analysis based on financial statements, form 10K or 10Q, and income tax returns.
  • Verify income via W2's and or income tax returns.
  • Work evaluating financial statement and income tax returns.

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12. Annual Reviews

high Demand
Here's how Annual Reviews is used in Credit Analyst jobs:
  • Worked closely with Relationship Officers to ensure completion of annual reviews on a timely basis and with the preparation/review of documentation.
  • Conducted annual reviews, including financial statement analysis, collateral analysis, risk rating recommendations and trend analysis.
  • Conducted annual reviews on existing borrowing relationships and analyzed new requests in accordance with Bank policy.
  • Analyze and spread financial information on commercial borrowers/prospects and write annual reviews on commercial borrowers.
  • Prepared summary of credit decision/recommendation for new applications, existing customer requests and annual reviews.
  • Ensured data integrity and accuracy within loan system when completing annual reviews.
  • Prepared written counter-party annual reviews/credit proposals for submission and presentation to management.
  • Perform analysis of financial information for commercial loan approvals and annual reviews
  • Generated Quality Assurance approval and completed the underwriting of annual reviews.
  • Established underwriting guidelines for extending new credit and performing annual reviews.
  • Distributed annual reviews to Financial Services Management Team and Senior Management.
  • Conducted annual reviews assigning property value by direct capitalization methodology.
  • Conducted annual reviews of existing credit facilities.
  • Conduct annual reviews of existing commercial relationships.
  • Performed annual reviews of existing loan relationships.
  • Perform annual reviews per Finance organization requirements.
  • Perform annual reviews on large borrowing relationships
  • Provided financial and credit analysis support for senior commercial credit officers for new loans, loan renewals, and annual reviews.
  • Prepare spreadsheets, credit analyses, annual reviews, monthly compliance reports and other related documents on existing and prospective clients.
  • Complete Annual Reviews on behalf of bankers, Post Booking Modifications, Spread Service requests and Loan Requests using Athena Blast.

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13. Real Estate

high Demand
Here's how Real Estate is used in Credit Analyst jobs:
  • Prepared profitability models, real estate analysis, and forecast projections for all underwriting packages for the commercial lending department.
  • Promoted to Commercial Real Estate Assistant Manager assuming credit analysis and reporting responsibilities for team of four analysts.
  • Analyze loan information, credit risk evaluation of real estate and corporate and institutional facilities reconcile and summarize.
  • Analyzed/projected financial statements, Accounts Receivable Aging and Inventory Reports for Commercial/Correspondent/Real Estate/Private Banking and Special Assets departments.
  • Evaluated credit risk of potential and existing corporate real estate borrowers, including review of legal documentation.
  • Worked with internal/external legal counsels and senior management on lines of credit/underlying collateral on real estate loans.
  • Co-organized and instructed a commercial real estate fundamentals training course available to credit analysts, bank-wide.
  • Facilitated the engagement of third-party vendors for the completion of real estate appraisals and environmental reports.
  • Implemented training program for Commercial Real Estate personnel regarding compliance with regulations and internal policies.
  • Reviewed commercial/residential real estate appraisals regularly, and talked to appraisers when errors were found.
  • Performed evaluation reviews for residential real estate in which an internal evaluation was completed.
  • Reviewed real estate mortgage applications, processed costumer profiles into credit management system.
  • Analyzed and evaluated potential commercial real estate investment opportunities; monitored existing investment portfolio
  • Facilitated commercial real estate loan approval requests with credit tenant and guarantor analyses.
  • Gathered and reviewed routine business and personal financial statements for commercial/business/real estate loans.
  • Prepared annual credit relationship reviews and compiled commercial real estate credit committee presentations.
  • Identified and mitigated collateral risk associated with real estate and asset-based loans.
  • Prepared and packaged real estate loan portfolios for secondary market acquisitions.
  • Established real estate valuation through analysis of commercial and residential appraisals.
  • Managed a credit portfolio for primarily middle-market commercial real estate transactions.

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14. Payment Arrangements

high Demand
Here's how Payment Arrangements is used in Credit Analyst jobs:
  • Reviewed accounts receivable for assigned regions/offices and advised personnel on collection actions, financial risks, credit limits and payment arrangements.
  • Negotiated payment arrangements with customers while maintaining positive relationships, ensuring prompt payment of accounts and positive conflict resolution.
  • Negotiated and implemented payment arrangements to resolve delinquency including repayment plans, loan modifications and short sales/deed in lieu.
  • Prepared sound risk management strategies for defaulting accounts i.e., payment arrangements or initiated collection efforts.
  • Provided customer assistance such as setting payment arrangements, reinstated delinquent/inactive accounts and changed billing cycles.
  • Assisted customers with payment arrangements to bring delinquent accounts up-to-date while projecting a positive attitude.
  • Negotiate payment arrangements as needed on delinquent matters toward satisfying account balance.
  • Negotiated special payment arrangements and legal settlements with clients and attorneys.
  • Conducted collection calls and negotiated payment arrangements for delinquent accounts.
  • Collect payments, negotiated payment arrangements and determine spending limits.
  • Evaluated customer's financial statements and established deferred payment arrangements.
  • Requested and negotiated payment arrangements for customers to reestablish credit.
  • Negotiate and resolve customer payment arrangements on delinquent accounts.
  • Negotiated payment arrangements and offered debt solutions to customers.
  • Perform collection calls and negotiate delinquent vendor payment arrangements.
  • Process full balance payments and organized monthly payment arrangements.
  • Established payment arrangements for customers with financial difficulties.
  • Negotiate acceptable payment arrangements with customers when necessary.
  • Negotiated and documented payment arrangements on delinquent accounts.
  • Negotiated payment arrangements on delinquent sales orders.

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15. Select Delinquent Accounts

average Demand
Here's how Select Delinquent Accounts is used in Credit Analyst jobs:
  • Reviewed individual or commercial customer files to identify and select delinquent accounts for collection.
  • Review customers to identify and select delinquent accounts for collection and reconcile customer statements/billing.
  • Evaluated commercial client's financial files to identify and select delinquent accounts for collection.
  • Reviewed consumer and commercial files to identify and select delinquent accounts for legal actions.
  • Review credit files to identify and select delinquent accounts for collections.
  • Review files to select delinquent accounts for collection efforts.
  • Review customers and select delinquent accounts for collections.
  • Reviewed commercial customer aging reports to identify and select delinquent accounts for collection.
  • Managed assigned collections portfolio and reviewed files for other select delinquent accounts.

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16. Loan Applications

average Demand
Here's how Loan Applications is used in Credit Analyst jobs:
  • Collaborated with Senior Analysts for the daily examination of credit bureaus to analyze and structure loan applications for automobile dealerships.
  • Process loan applications in accordance with Program guidelines and established policies and procedures, while ensuring compliance with federal regulations.
  • Reviewed indirect auto loan applications and approved or declined them based on credit guidelines established by five different credit unions.
  • Reviewed applicants' loan applications for creditworthiness, ensuring prudent extension of the company's capital to only credit-worthy customers.
  • Completed loan applications, including credit analysis, summaries of loan requests, financial analysis reports and financial recommendations.
  • Evaluated consumer loan applications, determined applicant's credit worthiness, ensured compliance with all applicable federal regulations.
  • Provided superior customer service to customers, processed in store credit/ loan applications and assisted with marketing promotions.
  • Processed loan applications for customers applying for auto loans ensuring that customers met all loan qualification criteria.
  • Reviewed loan applications to ensure completion and submission of required financial information for facilitating financial credit analysis.
  • Analyzed credit worthiness on loan applications and approve or reject depending on risk determination within lending authority.
  • Follow prescribed guidelines, receive and review loan applications and associated documentation to insure thoroughness and accuracy.
  • Reviewed and approved loan applications submitted from corporate automotive clients across the nation for potential financing.
  • Support operations of dealership loan process including evaluating, analyzing and underwriting loan applications.
  • Verified and examined information and accuracy regarding customers including loan applications and closing documents.
  • Processed personal and business loan applications, fully analyzing personal and corporate financial statements.
  • Approve Desktop Underwriter and Loan Prospector loan applications within lending authority and manage pipeline.
  • Performed financial analysis on new and current customers for heavy equipment loan applications.
  • Analyze customer loan applications and provide approval/decline and line of credit amount decisions.
  • Analyze loan applications and accompanying financial statements to include spreadsheet preparation & analysis.
  • Negotiated with auto dealership Finance Managers regarding loan applications on a regular basis.

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17. Bradstreet

average Demand
Here's how Bradstreet is used in Credit Analyst jobs:
  • Established and monitored new/existing credit lines for customers by performing financial statement analysis and by analyzing Dunn & Bradstreet reports
  • Analyzed Customer Financial Data and evaluated customer credit and collection risk by utilizing Dun & Bradstreet.
  • Analyze Dunn and Bradstreet Reports, business periodicals, professional journals, and technical procedures/government regulations.
  • Utilized credit checking procedures including application of Dunn & Bradstreet reports and financial statement analysis.
  • Processed potential customer credit extension paperwork in cooperation with Dun & Bradstreet online.
  • Compile and analyze credit information gathered by investigation through Dunn and Bradstreet.
  • Specialized Training & Education Dun and Bradstreet Certificates include: Financial Statement Analysis
  • Researched financial statements and other information regarding clients by using Dun and Bradstreet, the internet, bank references, etc.
  • Perform assessments of new and current vendors through use of Dun & Bradstreet, along with third party reports and reference.
  • Pulled Dunn & Bradstreet records to determine if credit could be extended to new customers without the requirement of a deposit.
  • Analyzed risks using financial statements, Dun and Bradstreet, credit report, and SEC reports to evaluate customer's account.
  • Prepared reports using Dun and Bradstreet system, to include holds, bad debt, credit applications and financial statements.
  • Master record updates, trade & bank references, Dunn & Bradstreet, updating credit and new account set up.
  • Run weekly downloads out of JD Edwards accounting system into Dunn and Bradstreet for accurate aging information used by collectors.
  • Analyze financial data (financial statements, Dunn & Bradstreet) for customers to determine appropriate levels of credit extended.
  • Utilize international tools such as Dun & Bradstreet to determine business credibility and further mitigate financial risk from new customers.
  • Analyze & evaluate the credit worthiness of new and existing customers using bank references, and Dunn & Bradstreet.
  • Reviewed Dunn and Bradstreet reports and customers previous credit history to come to an unbiased and appropriate credit decision.
  • Ordered Dunn & Bradstreet reports for the purpose of determining financial stability, risk assessment, and credit worthiness.
  • Analyze and establish customer accounts using Dun and Bradstreet reports, tax exempt certificates, and customer purchase orders.

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18. Credit Data

average Demand
Here's how Credit Data is used in Credit Analyst jobs:
  • Review credit data and make decisions regarding credit approval and investment criteria within authority established by senior management and state/federal laws.
  • Interact with automobile dealerships within the central Missouri territory to analyze credit data and verify employment and credit histories.
  • Analyzed financial statements and credit data of businesses and individuals to determine the risk and creditworthiness of customers.
  • Assisted modelers by gathering business requirements from customers and gathering appropriate credit data for building credit risk models.
  • Analyzed financial and credit data to determine appropriate credit limits for customers, evaluating situations and character.
  • Compiled credit data, interpreted financial information, to determine lending limitations per company guidelines.
  • Analyze credit data and financial statement to determine credit approval for potential new customers.
  • Analyzed credit data and financial statements, reviewed credit application, monitored sales accounts.
  • Gathered and analyzed customer credit data to evaluate status and determine collection strategy.
  • Reviewed credit data and made decisions regarding credit approval within credit authority.
  • Reviewed credit data and made decisions regarding credit approval and investment criteria.
  • Entered and maintained credit data accurately and efficiently into appropriate database systems.
  • Compiled reports regarding finance and credit data to determine credit worthiness.
  • Interpret financial statements and credit data to prepare underwriting documents.
  • Analyzed and evaluated customer credit data and record.
  • Analyzed credit data and financial statements efficiently.
  • Revised procedures for processing credit data information.
  • Analyze credit data, application information, and payment ability to determine degree of risk involved in extending credit to customer.
  • Analyze credit data to determine the degree of risk involved in extending credit and evaluation of stopping shipments until account current.
  • Analyzed credit data to determine customers risk and assess the impact of a loan on the profitability of the company.

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19. Phone Calls

average Demand
Here's how Phone Calls is used in Credit Analyst jobs:
  • Answer incoming phone calls from Relationship Managers regarding general lending guidelines, product specifications and troubleshoot issues with current applications.
  • Obtained client information by answering telephone calls; interviewing clients and authorizing users to verify information and identity.
  • Provided administrative support by answering and receiving phone calls from customers regarding accounts and applications.
  • Maintain and develop retailer relationships by building rapport through telephone calls and in-person retailer events
  • Facilitated collection of accounts receivable through phone calls, letters and inter-company relations.
  • Answer Visa and Retail customer telephone calls concerning basic customer billing statements.
  • Conducted inbound and outbound telephone calls for various financial institutions.
  • Place follow-up telephone calls to customers as necessary
  • Job tasks include answering inbound phone calls placed by customers who had questions about their credit information with The Swiss Colony.
  • Performed a variety of credit processing duties, which included receiving telephone calls regarding credit issues and pulling credit bureau reports.
  • Account Supervisor: Assisted team managers with escalated phone calls from customers, mentored representatives who were not meeting quality standards.
  • Received incoming phone calls from customers regarding credit limit increases or explanation of why their line was decreased or closed.
  • Provided customer service for incoming phone calls, answering customer inquiries, solving problems, and providing new product information.
  • Credit Analysis Handled Confidential information for the customer Answered phone calls on a daily basis Worked with direct and indirect dealers
  • Answered inbound telephone calls regarding credit card information such as balance inquiries, account terms and various other questions.
  • Answered phone calls from various departments within the bank and/or customers to explain decisions made by other team members.
  • Handled inbound and outbound phone calls, reviewing applications to determine customers credit worthiness and assigning appropriate credit lines.
  • Mastered of the use of several technical systems in order to accurately record and report information about phone calls.
  • Assist with incoming and outgoing phone calls from branch representatives, customers, accounts payable, and business owners.
  • Take phone calls from Member Care to cancel and back date memberships as well as issue refunds for memberships.

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20. Credit Policy

average Demand
Here's how Credit Policy is used in Credit Analyst jobs:
  • Reviewed and analyzed credit applications and credit bureau information in order to make credit decisions in compliance with credit policy guidelines.
  • Make reasoned, informed credit judgments that balance profit potential of customer against financial risk evaluation and established credit policy.
  • Conducted audits and quality control reviews of applications to verify decisions were made in accordance with company credit policy.
  • Formulated policies and procedure that defined acceptable credit policy for Credit Insurance to corporate management and branches.
  • Administered and monitored credit process, procedures and maximized credit policy, while continuously improving credit quality.
  • Participated in strategic credit policy making and implementation of administrative procedures, introduction of new credit segments.
  • Credit policy formulation- Assisted individual lenders in commercial loan structure, documentation & regulation- Compliance & underwriting.
  • Obtained, analyzed, and disseminated financial and credit information which insured adherence to credit policy guidelines.
  • Directed credit policy compliance audits and prepared for insurance broker and other internal and external audits.
  • Contacted Alaska Division customers to notify them of a new credit policy and explain implementation.
  • Provide customer service on consumer credit questions regarding credit policy and participating dealer's applicants.
  • Facilitated streamlined procedure by strategically developing international credit policy and revising domestic credit policy.
  • Analyzed and approved applications within approval criteria in conjunction with judgmental/credit policy guidelines.
  • Rendered appropriate credit decisions within credit policy and in compliance with all regulations.
  • Evaluated credit applications in adherence with CAF credit policy and operating procedures.
  • Reviewed and approved orders according to account status and corporate credit policy.
  • Trained sales representatives and management for entire mid-Atlantic region on credit policy.
  • Compile trends and make recommendations regarding credit policy and process enhancements.
  • Reviewed and made recommendation for credit policy exceptions from loan officers.
  • Organized and executed several initiatives to improve adherence to credit policy.

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21. Credit Department

average Demand
Here's how Credit Department is used in Credit Analyst jobs:
  • Partnered with the Credit Department Manager on deteriorating financial performance of borrowers and made recommendations to improve their credit.
  • Renamed and restructured the Credit Department back-up buyer program to feature more diverse interaction and exposure with heightened accountability.
  • Discussed deterioration in financial performance of borrowers with credit department/loan officer and solicited recommendations on improving credit position.
  • Represent the Credit Department effectively regarding cross-functional decision making processes within other areas of the company.
  • Conducted industry analysis and presented updates utilized by lending function and other analysts within credit department.
  • Attended monthly information services meeting to evaluate system solutions by representing the Credit Department.
  • Served as interim Financial Analyst for Credit Department at a Major Record Distribution company.
  • Improved operational efficiency by creating and documenting Credit Department manuals, policies and procedures.
  • Worked with Letters of Credit Department/Operations and liaised between that department and Accounting/Financial Reporting.
  • Interacted and communicated effectively with the borrower, Credit Department, and Relationship Manager.
  • Supervised credit department with six Senior Credit Specialists and eight Senior Collection Specialists.
  • Reviewed current procedures and recommended changes for increased efficiency within the credit department.
  • Managed Global Trade Credit Department SharePoint site and perform SharePoint site administrator duties.
  • Trained vendors to mirror best practices of Internal Credit Department improving customer satisfaction.
  • Sustained relationships between credit department, and clients to ensure long-lasting business partnerships.
  • Communicate with Credit Department to notify of research findings and sequential action required.
  • Helped establish commercial credit department for national chain of home improvement centers.
  • Contracted to provide additional manager level support to credit department during transition period
  • Reconcile customer statements/billings, financial reports and communicate with the credit department.
  • Prepared reports and spreadsheets depicting proper information to analyze credit department activities.

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22. Data Entry

average Demand
Here's how Data Entry is used in Credit Analyst jobs:
  • Followed company mandated procedures and utilized available resources to evaluate consumer credit applications and complete additional data entry tasks.
  • Performed other administrative duties including data entry, report generation, accounting, filing and photocopying.
  • Provided data entry and research analysis for credit and collection purposes of commercial and residential accounts.
  • Perform various administrative functions including reporting, data entry and credit file maintenance.
  • Trained data entry specialist on processes to achieve optimal productivity.
  • Supervised Credit Investigator's data entry of credit applications.
  • Checked customers' credit eligibility and data entry.
  • Perform data entry of consumer credit applications.
  • Complete data entry for all customer agreements/contracts.
  • Operated PBX switchboard with a 900 call volume, ordered inventory, filing, data entry, and general office duties.
  • Verify acceptable contract terms and conditions, accurate data entry, and customer credit, or potential customer and associates.
  • Performed data entry on inbound and outbound collection calls to secure payment on past due accounts for specialized consumer databases.
  • Assisted with the conversion from SAP to GET PAID software which included account updates, credit reviews and data entry.
  • Completed data entry work involving credit checks for consumers requesting to make purchases ranging from $250 to $15,000.
  • Managed a staff of 12 Documentation Specialist and day to day processing and data entry set up of loan.
  • Prepare batches of invoices for data entry and processing discount tickets based on contracted time with vendors.
  • Relied on electronic data entry function to prepare documents related to loan and payment schedule contracts.
  • Conducted multifaceted clerical tasks (e.g., filing, data entry, client records and billing)
  • Determined credit limit to ensure complete data entry, using internal database; Microsoft Office Suite.
  • Exercised basic clerical skills such as filling, data entry, organization, and technical skills.

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23. Payment History

average Demand
Here's how Payment History is used in Credit Analyst jobs:
  • Reviewed and analyzed income, payment history and various credit repositories to determine customer buying credibility and ensure validity of borrower.
  • Processed pending credit applications for new customers and reviewed existing customer accounts for additional services based on payment history.
  • Analyzed numerous companies Financial Statements and Payment History to determine a maximum staffing efficiency goal with minimum company exposure.
  • Navigated a computerized data entry system and credit history system to control and monitor payment history.
  • Gathered and analyzed customers' financial data including payment history, earnings information and spending activities.
  • Interfaced and assisted sales representatives with data for customers regarding delinquencies and payment history.
  • Review customer payment history and recommend adjustments to customer credit limit as appropriate.
  • Documented material regarding purchase agreements, payment history and conversations with debtor.
  • Analyzed and reviewed payment history to determine release of customer orders.
  • Monitored credit activity and payment history of severely past due accounts.
  • Reviewed credit and payment history of potential and existing customers.
  • Researched payment history and ordered credit reports.
  • Analyze repayment history to judge current reliability.
  • Maintain customer payment history and documentation.
  • Analyzed customer risk based on credit score, payment history, and average spending to determine spending capabilities for the client.
  • Implemented decisions about credit applications after assessing financial risk, based on application purpose, payment history, and credit worthiness.
  • Evaluated customer payment history and recommended payment plans based on earnings, payment history, purchase history and sales volume.
  • Recommended and maintained payment plans on slow pay accounts based on payment history, purchase activity, and credit profile.
  • Review and release orders on credit hold based on account payment history, past due invoice status and credit availability.
  • Analyzed total revolving debt, payment history, debt utilization, delinquencies, collections, and bankruptcies of existing accounts.

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24. Collection Calls

average Demand
Here's how Collection Calls is used in Credit Analyst jobs:
  • Conduct collection efforts through proactive collection calls, careful monitoring, and creating positive customer relationships.
  • Initiated collection calls/written contact to ensure delinquency and days sales outstanding are minimized.
  • Place collection calls pursuant to policy, conducting necessary correspondence and follow-up.
  • Processed accounts receivable transactions including collection calls, and authorizing refund requests.
  • Reviewed weekly accounts receivable aging report to prioritize collection calls.
  • Learned the KCSI program to track collection calls, make notes on customers' accounts and to post the incoming cash.
  • Make collection calls to larger clients, and write up detailed credit analysis reports for credit limit increases for larger accounts.
  • Obtained sales tax exemption certificates when required *Attained weekly/monthly measurements set by management for collection calls and cash receipts goals.
  • Place outgoing collection calls to customers on past due balances, ranging from 15 days to 120+ day delinquent payments/balances.
  • Led a team-based work group of eight members that conducted collection calls and drastically reduced past due Accounts Receivable balances.
  • Resolved any issues with billing or issues on accounts - making collection calls or e-mailing the customer for payment.
  • Completed up to 25 collection calls per day and coordinated with Sales, Customer Service and Accounts Receivable departments.
  • Take credit applications, input customer data, work with creditors to finance customers purchases, make collection calls
  • Assist as needed with AR/AP making collection calls and bank deposits as well as day to day functions.
  • Handled outbound collection calls and inbound accounts receivable calls, with a daily average of 50+ total calls.
  • Initiated collection calls and collected on customer's accounts that are over sixty days while maintaining the relationship.
  • Credit and collections including contract/credit approval, collection calls, invoicing, collection filings, and lien waivers.
  • Handled all collection calls for past due accounts and worked with Credit Manager on all delinquent accounts.
  • Administered collection procedures in accordance with policy, including, but not limited to collection calls.
  • Researched, analyzed and made collection calls for Walt Disney Studios rentals by various production companies.

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25. DSO

average Demand
Here's how DSO is used in Credit Analyst jobs:
  • Managed high volume collections and account reconciliations while consistently exceeding DSO goals.
  • Analyzed DSO Statistical Data, determine profitability, and monitored receivables.
  • Completed financial assessments on Harley-Davidson dealers.
  • Analyze various factors and term determinations for loan applicants to provide the best financing solutions for both the customer and Harley-Davidson.
  • Mitigated corporate credit risk, reduce bad debt expense, increased cash flow / decreased days sales outstanding (DSO).
  • Followed collection procedures and audit requirements to meet and/or exceed corporate goal for 30 day DSO (Days Sales Outstanding).
  • Supported specific accounts or marketplaces and provided the responsibility for DSO, cash collections, bad debt and collections account placement.
  • Nominated for the Circle of Excellence Award by effectively getting the DSO lower than it's been in my division.
  • Take action to drive improvement in DSO, past due trending, deteriorating accounts, and accounts over credit line.
  • Keep A/R portfolio within established monthly metrics such as DSO, A/R buckets, and the percent ratio, i.e.
  • Create and prepare DDO, DIO and DSO reports for tracking US and Canada customer payment trends and deduction trends.
  • Reduced DSO for Houston branch location from over 55 days to under 45 in less than 7 months.
  • Reduce US and Canada DSO by 1 day for an increase of $2 million dollars in receivables.
  • Prepared and distributed cash flow analysis, cash collection goals, and DSO forecasting to upper management.
  • Assisted in A/R issue resolution to ensure timely payment on invoices in order to maintain low DSO.
  • Make credit decisions from applications for Harley-Davidson dealerships across the country for the various motorcycle product lines.
  • Provide loan administration support to dealers and applicants for Harley Davidson motorcycles, watercraft and outside products.
  • Contacted delinquent accounts in a $10M portfolio in order to reduce DSO and maximize cash receipts.
  • Maintained an average DSO of 37 days for 2012 while the industry average is 45 days.
  • Reduced DSO 6 days and increased working capital $2.6 million for the Branded Products Division.

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26. Financial Status

average Demand
Here's how Financial Status is used in Credit Analyst jobs:
  • Investigated and verified financial status and reputation of prospective customers applying for credit; reviewed credit references to determine applicant suitability.
  • Mitigate corporate losses through monitoring compliance of dealership financial status with corporate lending standards, identifying trends, and communicating shortfalls.
  • Monitored and performed analysis of customers' financial status, credit history and business valuations to determine feasibility of granting loans
  • Compare liquidity, profitability and credit histories of clients to determine financial status, risk and eligibility.
  • Probed/Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
  • Utilize software applications to analyze, evaluate and report merchant financial status and other relevant information.
  • Calculated applicable ratios for evaluating commercial customer's financial status and compared information with industry standards.
  • Analyzed clients credit information to determine lending risk and evaluated commercial customer's financial status.
  • Record information about financial status of customers, demographic information and status of collection efforts.
  • Monitor customers' creditworthiness, obtaining periodical information of their financial status and industrial environment.
  • Generated financial ratios to evaluate customers' financial status and ability to repay debt.
  • Monitored and kept record of information regarding financial status of customers and collections efforts.
  • Analyzed applicants' financial status and credit history to determine feasibility of granting loans.
  • Analyzed applicant's financial status and credit information gathered by investigation.
  • Created monthly management report relative to wholesale dealer's financial status.
  • Reported weekly to clinical and administrative leadership on financial status.
  • Generated financial ratios to evaluate customers' financial status.
  • Produced spreadsheets with customer financial status and forecasts.
  • Researched and evaluated financial status of companies.
  • Estimate and assess the financial status of the applicant and cross check this person with the help of the survey agents.

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27. Due Diligence

average Demand
Here's how Due Diligence is used in Credit Analyst jobs:
  • Performed all aspects of due diligence including financial modeling and projection analysis, collateral valuation, and covenant compliance
  • Developed due diligence, including economy and industry characteristics, as well as cost and profitability of customers.
  • Provided initial due diligence of applicants seeking a Calvert Foundation investment and annual reviews of existing borrowers.
  • Performed analysis and related due diligence involved in underwriting & structuring of residential and commercial loans.
  • Maintained client relationships by contacting and visiting corporate borrowers frequently as well as conducting due diligence.
  • Performed due diligence and detailed analysis of clients' financial statements to determine their creditworthiness.
  • Conducted due diligence checking of clients information to prevent and identify potential problematic account.
  • Coordinated due diligence processes to verify validity and negotiability of securities owned by clients.
  • Participated in several acquisitions, which included due diligence and integration into overall portfolio.
  • Performed initial analysis of credit quality of prospects, including extensive due diligence.
  • Conducted due diligence underwriting of loan files submitted from various financial institutions.
  • Developed financial models conducting company- and industry-specific research and due diligence.
  • Assisted in developing appropriate borrowing base facilities through due diligence assessments.
  • Participate actively in and conduct independent due diligence meeting with clients/prospects.
  • Collaborated with different teams to draft due diligence reports including financial analysis
  • Participated in several due diligence examinations for potential bank acquisitions.
  • Conducted due diligence on international acquisition in specialized banking sector.
  • Performed necessary due diligence required to ensure sound underwriting.
  • Collected unpaid/delinquent balances and unclaimed property due diligence.
  • Provided credit due diligence for corporate banking relationships.

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28. Special Projects

average Demand
Here's how Special Projects is used in Credit Analyst jobs:
  • Worked with upper management on special projects and tasks related to credit portfolio management and administration, regulatory issues and reports.
  • Evaluated credit facilities and special projects of foreign corporate portfolio; providing quality and profitability of the corporate credit portfolio.
  • Supported special projects as it pertains to revenue initiatives and/or associated collections activity.
  • Assisted management with special projects, Presidential escalations, and specialized transaction review.
  • Assisted management and peers with special projects including process improvements and departmental enhancements.
  • Participated in development of employee training programs and numerous other special projects.
  • Hired, trained and supervised temporary personnel utilized for performing special projects.
  • Recognized for work on several special projects involving mergers and operations.
  • Performed special projects for department managers and regional vice president.
  • Participate in special projects and developing new training curriculum.
  • Observed routine projects/audits and completed special projects as required.
  • Performed numerous special projects as requested by supervisor.
  • Accomplished special projects as assigned by management.
  • Complete special projects assigned by management.
  • Assisted commercial lenders by conducting financial statement analysis, credit approval packages, documentation, industry research, and special projects.
  • Developed special projects which allowed the company to gain additional application volume and enhance the profitability by more than 65%.
  • Worked on special projects such as two acquisitions, and yearly reviewed of credit lines on accounts 10,000 and above.
  • Organized special projects within department, including transition to paperless system, and trained team members and all new hires.
  • Assist manager in special projects including but not limited to collections, audit documentation and data collection for system.
  • Assist supervisor in preparing spreadsheets, various reports and special projects with the required data and accurate investigations.

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29. Risk Analysis

average Demand
Here's how Risk Analysis is used in Credit Analyst jobs:
  • Credit Risk Analysis of Corporate Clients including evaluation of Business and Operational Risk, Ratio Analysis and Analysis of Financial Statements.
  • Performed risk analysis underwriting for commercial credit card processing accounts to determine the financial worthiness and risk associated with new merchants.
  • Performed credit risk analysis on mortgage loan files with the ability to exercise discretion and independent judgment within assigned credit authority.
  • Conducted original quantitative research and designed systems for risk analysis, forecasting, and portfolio construction within corporate credit universe.
  • Perform risk analysis and credit recommendations for new and existing customers including detailed evaluation of company financial statements.
  • Performed credit risk analysis, evaluated borrowers financial position and credit worthiness for new or existing mortgages.
  • Conducted financial and credit risk analysis of commercial loan customers which identified key credit underwriting issues.
  • Risk analysis and assessments of territory operations for automotive dealerships funded by Ford Motor Credit Company.
  • Analyzed historical financial statements and projections and determined risk analysis based on market data and movements.
  • Credit risk analysis of both existing and potential customers is performed to determine credit worthiness.
  • Credit risk analysis, contract negotiation and liability, consumer financing and loan repayment calculations.
  • Reviewed all internally prepared reports involving commercial loan information, risk analysis and credit worthiness.
  • Performed financial credit risk analysis to approve new customers and to review existing customers.
  • Perform credit underwriting and long-term risk analysis to ensure optimal portfolio performance and revenue.
  • Assisted commercial lenders in other locations by developing presentations detailing financial and risk analysis.
  • Perform financial and risk analysis for personal, commercial and corporate credit applications.
  • Perform risk analysis and make decision regarding deficiencies identified during the review process.
  • Verified customer information from numerous internal and external databases and conducted risk analysis.
  • Created a system decision capability and improved approval decision rates through risk analysis.
  • Perform risk analysis and recommend solutions to manage and mitigate risks identified.

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30. Outbound Calls

low Demand
Here's how Outbound Calls is used in Credit Analyst jobs:
  • Place outbound calls when necessary to verify identity, Review existing customer accounts to evaluate credit upgrade eligibility.
  • Optimize relationship opportunities by initiating outbound calls and manage inward customer calls to develop business information efficiently.
  • Placed outbound calls as necessary to develop additional information to facilitate final disposition of application.
  • Completed outbound calls to creditor's to verify accuracy of reported account information.
  • Performed outbound calls to applicants to verify inconsistent application information.
  • Handled and prioritized frequent heavy inbound/outbound calls mostly involving collections.
  • Handled inbound/outbound calls to address complex inquiries from business partners/customers.
  • Perform outbound calls to customers for personal verification.
  • Performed inbound/outbound calls with potential and current customers.
  • Placed outbound calls when necessary to verify identity.
  • Managed inbound/outbound calls with customers/sales reps.
  • Take inbound and outbound calls daily, answer customers concern and needs, Bilingual, and sales in a call center.
  • Communicate with customers via telephone (minimum of 25 outbound calls daily) and email to collect on past due balances.
  • Received inbound calls, as well as made outbound calls to assist customers with their application process for credit.
  • Worked with internal/external customers to diagnose, identify, research and resolve incidents and service requests from inbound/outbound calls.
  • Answer inbound calls, make outbound calls, process requests efficiently and quickly, and resolve any billing issues.
  • Complete inbound and outbound calls to preferred card holders, while analyzing client's accounts for possible fraud.
  • Worked pending queue through email work between calls, made outbound calls to the applicants or current customers.
  • Greet and assist merchants on inbound or outbound calls with a pleasant, friendly, and enthusiasm tone.
  • Initiated a vast amount of calls and service to delinquent credit card customer accounts through outbound calls.

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31. External Customers

low Demand
Here's how External Customers is used in Credit Analyst jobs:
  • Coordinated problem resolution associated with non-payment with various internal and external customers, keeping track of unpaid invoices with Microsoft Excel.
  • Provide exemplary customer service to both internal staff and external customers by explaining credit decision and offering alternative options when needed.
  • Led discussions with external customers to obtain historical financial information and discuss financial performance, as well as future projections.
  • Ensured that companies had credit worthiness and established and maintained relationships with internal and external customers to ensure maximum profitability.
  • Contacted external customers as well as credit/store personnel to clarify or obtain additional information to accurately complete the collection process.
  • Communicated risk assessments and credit decisions and/or recommendations verbally and in written form to internal and external customers as applicable.
  • Reconciled past due accounts and researched customer inquiries and disputes through professional communication with inter personnel and external customers.
  • Maintained a smooth functioning credit portfolio of while supplying responsive, process-effective services to internal and external customers.
  • Work with both internal and external customers to identify opportunities and implement solutions for enhanced invoice delivery methods.
  • Interview and investigate loan applicants (external customers) to investigate accuracy of information provided on credit application.
  • Provide excellent customer service support and professional financial guidance as needed for both internal and external customers.
  • Fostered and maintained relationships with internal and external customers ensuring that service and satisfaction levels were met.
  • Provide customer service and develop relationships with internal/external customers and suppliers, and other department within the company
  • Responded to incoming calls and mail from aligned accounts and extensive interaction with internal and external customers
  • Provided consistent quality customer service to internal and external customers meeting or exceeding Sovereign's standards.
  • Engage in detailed interaction with Relationship Managers, Underwriters, Corresponding Bank Officers and external customers.
  • Communicated with internal and external customers and other service industries regarding Letters of Credit and documentation.
  • Maintained a very high level of customer satisfaction and accountability with both internal and external customers.
  • Contacted internal and external customers to ensure the accuracy of accounting records and resolved disputes.
  • Relayed information verbally and written regarding Letters of credit to both internal and external customers.

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32. Equifax

low Demand
Here's how Equifax is used in Credit Analyst jobs:
  • Evaluated consumer finance applications using Equifax credit reports and customer-provided profile information.
  • Obtained and interpreted credit reports on borrowers (Equifax), insurance agents and insurance agencies (Dun & Bradstreet).
  • Use credit tools such as Duns & Bradstreet, Equifax, Moody's, and Financial Analysis to assess credit quality.
  • Reviewed independent and national retail merchants for credit lines utilizing D&B, Hoovers, Equifax and financial statements.
  • Review and analyze consumer credit bureaus such as Equifax, Trans Union, TRW and personal financial statement.
  • Perform commercial verification using online sources such as Dun and Bradstreet, Equifax, and Lexis Nexis.
  • Assess company credit using D&B credit reporting and evaluate personal credit using Equifax reporting agency.
  • Utilized Dun & Bradstreet, Equifax and other credit reporting agencies to establish lines of credit.
  • Run Credit Reports via Equifax to reconcile recurring debt against the customers' PFS.
  • Determined credit-worthiness based on data from D&B, Equifax, and CDI.
  • Review and analyze credit using Dunn & Bradstreet, Equifax and financial statements.
  • Evaluate client's credit report from Equifax to help client resolve debt efficiently.
  • Processed credit applications using Dun & Bradstreet, E-Credit and Equifax.
  • Examined Dun & Bradstreet and Equifax credit reports.
  • Used Equifax, T. R.W.
  • Evaluated individual and commercial credit request utilizing Trans-Union, Equifax/Experian and TRW reports.
  • Confer with Experian, TransUnion, and Equifax as well as other business representatives to exchange credit information on AS400 system.
  • Render credit decision based on FICO, credit report, Paynet, Equifax, ability to pay, and income.
  • Utilized industry research databases, including Dun & Bradstreet, Experian, Equifax, Liquid Credit, and PayNet.
  • Investigate customer disputes about account discrepancies, notified Equifax, Experian, and TransUnion if any inconsistencies have transpired.

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33. Potential Customers

low Demand
Here's how Potential Customers is used in Credit Analyst jobs:
  • Supported efforts to proactively prevent fraud through diligence, reporting, and monitoring of all documentation provided by potential customers.
  • Provided quality service to internal and potential customers through undertaking risk assessment and analysis of various types of lending proposals.
  • Validate credit information and assesses credit worthiness of potential customers based on information credit applications and credit bureau reports.
  • Utilized internal and external data to determine credit worthiness of potential customers and updated new service orders.
  • Ensured sales representatives were knowledgeable and adhered to company policy regarding credit requirements of potential customers.
  • Assisted loan officers in analysis of financial statements for potential customers and renewal of existing loans.
  • Reviewed credit applications-Resolved customer issues-Entered cellular phone applications in our system for potential customers-Trained new employees
  • Designated amount of loans for potential customers following company guidelines agreed with customers credits.
  • Analyzed and evaluated fiscal year and interim financial statements of existing and potential customers.
  • Analyzed credit information to determine risk involved in lending money to potential customers.
  • Determined credit worthiness of current and potential customers by analyzing various financial documentation.
  • Conducted financial analyses and risk reviews to assess credit worthiness of potential customers.
  • Investigated, analyzed, and evaluated credit history of present and potential customers.
  • Develop and expand business relationships by prospecting new and potential customers.
  • Researched, evaluated, and conducted approval/denial process of potential customers.
  • Develop credit history by compiling required financial information on potential customers.
  • Analyzed/reviewed applications sent from affiliate automotive dealerships on potential customers.
  • Review financial information to determine credit worthiness for potential customers.
  • Gathered and analyzed credit information on current and potential customers.
  • Evaluated creditworthiness and established credit lines for potential customers.

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34. Credit Accounts

low Demand
Here's how Credit Accounts is used in Credit Analyst jobs:
  • Determined credit limits on open credit accounts by analyzing customer's credit and capacity to pay minimizing company's credit exposure.
  • Delivered Target Brand interactions with all guest by communicating effectively and providing World Class service while collecting on delinquent credit accounts.
  • Managed and monitored customer credit accounts through issuing demand letters and initiating collection process for accounts in default.
  • Reviewed and analyzed direct credit bureau information to determine customer eligibility in obtaining credit accounts with Sears.
  • Submitted spreadsheet recaps* Negotiated payment terms for credit accounts* Recommended shipment delay in the event of non-payment
  • Managed risk for consumer credit accounts while consistently exceeding quality, regulatory and production standards.
  • Processed applications for new credit accounts Reviewed existing accounts for credit limit increases.
  • Manage and analyze individual customer complaints related to Home Depot credit accounts.
  • Reviewed zero credit accounts weekly for reinstatement to support revenue generation.
  • Analyzed credit applications and made recommendations for new credit accounts.
  • Review customer accounts and gather documentation to open credit accounts.
  • Captured and recovered numerous credit accounts.
  • Resolved past due credit accounts aged 120 days by negotiating satisfactory repayment schedules, evaluated credit bureaus reports and financial statements.
  • Managed portfolio of credit accounts, appraising customer financial risk and data with related trade information to grant appropriate credit limits.
  • Answer nationwide phone, fax, and email requests to open new client credit accounts in a call center environment.
  • Worked with 28 sales professionals covering the nation and responsible for more than 3,800 individual and small business credit accounts.
  • Maintain monthly statements Review all orders for risk Review new customer financial statements and references for credit Accounts Receivable
  • Manage credit accounts for all CARQUEST Automotive Finishes / Paint stores nationwide including finalizing acquisitions of new stores.
  • Determined lines of credit for consumers and SBA lines of credit accounts valued up to $5M monthly.
  • Managed 200 customer credit accounts with an average daily balance of $25,000 at third party logistics firm.

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35. Accounts Receivables

low Demand
Here's how Accounts Receivables is used in Credit Analyst jobs:
  • Invoice specific responsibilities involved credit collections (accounts receivables), contacting customer, order management and account maintenance.
  • Managed and created excel worksheets for departmental reporting including sales and accounts receivables for upper management.
  • Monitored and managed accounts receivables for local newspaper focusing primarily on Advertising and Dealer accounts.
  • Reviewed borrowing bases submitted by existing customers to maintain control of accounts receivables and concentrations.
  • Ensured timely payment of accounts receivables and resolving customer disputes quickly and accurately.
  • Monitor and report open accounts receivables issues to internal company personnel and Mangers
  • Received accounts receivables and reconciled sales representatives' statements and billings.
  • Credit analysis, collections of accounts receivables and account reconciliation
  • Prepare month-end and quarter-end reports on accounts receivables reconciliations.
  • Maintained accounts receivables by searching and reviewing account discrepancies.
  • Increased accounts receivables through aggressive collection procedures.
  • Monitor the accounts receivables within specific portfolios.
  • Managed Burger King National Accounts receivables and credit
  • Documented accounts receivables from branch locations.
  • Managed and reduced accounts receivables balance.
  • Managed collection duties involving accounts receivables.
  • Manage accounts receivables for dedicated accounts.
  • Review of risk management reports, accounts receivables, terms, payment trends, and financial agreements used for score carding.
  • Research all daily accounts receivables using critical thinking to determine the increase or decrease of line of credit for every customer.
  • Managed Accounts Receivables for largest Direct Store Delivery customer; Wal-Mart/Sam's Club with sales of $200M in 2007.

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36. Computer Programs

low Demand
Here's how Computer Programs is used in Credit Analyst jobs:
  • Worked quickly and efficiently utilizing various computer programs and data processing skills, maintaining a minimal error margin.
  • Generated financial ratios using computer programs to evaluate customers' financial status and determine credit rating/financial history.
  • Used various computer programs to analyze credit performance of customers and determine ability for additional credit.
  • Complete credit analyses through financial ratios, using computer programs, to evaluate customers' financial status.
  • Solve customer issues through researching numerous computer programs, while having knowledge of Federal Regulations.
  • Generate financial ratios, using computer programs, to evaluate a customer's credit worthiness.
  • Evaluated the financial status of clients by producing financial ratios through computer programs.
  • Generate financial ratios, using computer programs, to evaluated for approval.
  • Assessed consumer's financial portfolio and ratios through various computer programs.
  • General office duties using various computer programs & office tools.
  • Posted incoming funds in several different computer programs.
  • Receive Incoming calls from banks nationwide concerning account status Answer questions about current promotions Multi-task with various computer programs

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37. Sales Representatives

low Demand
Here's how Sales Representatives is used in Credit Analyst jobs:
  • Developed a positive working relationship with assigned territory sales representatives, offering information regarding customers' credit worthiness and purchasing capabilities.
  • Interact with sales representatives and various inter-company departments to obtain resolution of accounts disputes and provide high levels of customer satisfaction.
  • Organized work to provide most efficient customer service solutions while maintaining professional communication with my dealers and regional sales representatives.
  • Prepared loan documentation for signing, coordinating with field sales representatives for completion and retrieval.
  • Communicate with Sales Representatives to obtain necessary information on an account to warrant further action.
  • Worked closely with Retailer Service, Sales Representatives and major accounts to resolve unauthorized deductions.
  • Conducted regular follow up with sales representatives to approve ad insertion orders for upcoming publications.
  • Maintain constant communication with territory Sales Representatives regarding the status of their customer accounts.
  • Partnered with regional sales representatives to ensure customer service expectations were met or exceeded
  • Worked with sales representatives to support ongoing customer relationships and positive business transactions.
  • Audited paperwork submitted by sales representatives before releasing home improvement projects to production.
  • Worked with territorial sales representatives to ensure dealer satisfaction and support.
  • Communicated effectively daily with sales representatives, managers, and peers.
  • Registered and updated sales representatives' information in the database system.
  • Reviewed orders for sales representatives when accounts approached credit limits.
  • Interfaced with sales representatives and negotiated credit contracts with customers.
  • Prepped and mailed leasing application submitted by sales representatives.
  • Provided support for sales representatives during the activation process.
  • Communicate with outside sales representatives in resolving client disputes.
  • Maintained a working relationship with customers and sales representatives.

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38. Credit Memos

low Demand
Here's how Credit Memos is used in Credit Analyst jobs:
  • Structured credit memos to best meet the Bank's risk and profitability requirements while maintaining industry competitiveness.
  • Write comprehensive credit memos for trading and revolving credit facility requests from Property/Casualty and Life insurance clients.
  • Prepared debit and credit memos for processing along with sourcing supporting documentation for check disbursements.
  • Perform thorough review of documentation before sign-off of credit memos for customer disputed invoices.
  • Reviewed debit/credit memos and adjustments from collectors to reconcile customer accounts.
  • Supported senior bankers by drafting preliminary credit memos assessing transaction strength.
  • Processed debit/credit memos to include account reconciliations and monthly account offsets.
  • Researched deductions and made determination to issue appropriate credit memos.
  • Validated, processed and distributed credit memos when required.
  • Provided invoices and credit memos to reconcile accounts accurately.
  • Prepared credit memos summarizing findings and credit recommendations.
  • Sorted printed credit memos daily and distributed accordingly.
  • Prepared credit memos and adjustments for manager approval
  • Processed company credit memos against items returned.
  • Process Credit memos to include expediting approvals.
  • Prepared credit memos for management.
  • Collaborated with controller to ensure credit memos were either refunded, applied or reversed to correct accounts once determination was made.
  • Responded to customers concerning account status and posted account cash and credit memos, write-offs and research deductions.
  • Work with suppliers to obtain credits for returned medical equipment and processing of credit memos for accounts payable.
  • Process requests for invoice copies, statements and/or credit memos; prepare refund requests for credit balance accounts.

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39. Ensure Compliance

low Demand
Here's how Ensure Compliance is used in Credit Analyst jobs:
  • Analyze and complete preliminary review of mortgages and obtain required documentation to ensure compliance with underwriting and regulatory guidelines.
  • Monitored and reviewed active dealership's financial statements to ensure compliance with Chrysler Financial lending guidelines.
  • Audited various mortgage documents and analyzed data to ensure compliance with company guidelines and federal regulations.
  • Maintained accurate internal records for consumer and commercial customers to ensure compliance with all banking regulations.
  • Established procedures and monitoring schedules for various federal regulations to ensure compliance on an ongoing basis.
  • Disseminated credit information, monitored covenants and master agreements to ensure compliance with contract.
  • Monitor current relationships to ensure compliance with loan covenants and asset-based lending requirement
  • Conducted audits on all financial analysis and legal documentation to ensure compliance.
  • Review essential loan documents to ensure compliance with SBA eligibility requirements.
  • Sponsored Enterprises to ensure compliance with loan covenants and asset-based lending requirements
  • Supervised loan disbursements and underwriting procedures to ensure compliance with regulations
  • Coordinate internal credit files and ensure compliance with internal/external regulations.
  • Created a detailed record-keeping procedure for auditing to ensure compliance.
  • Evaluated information to ensure compliance with frequently changing laws/regulations.
  • Evaluated documentation to ensure compliance with company underwriting policies.
  • Assisted compliance officers and note department representatives to ensure compliance with regulations and bank policy and to ensure on time booking.
  • Analyzed and evaluated borrower income, credit, collateral, and loan characteristics to ensure compliance with product and program requirements.
  • Reviewed files to ensure compliance with corporate policies and procedures while consistently meeting quota of processing between 10 loans daily.
  • Performed reviews of bank's commercial, consumer and mortgage loan documentation to ensure compliance with established policies and standards.
  • Execute proper documentation and verification on all applications to ensure compliance with all State and Federal Laws and Regulations.

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40. Customer Records

low Demand
Here's how Customer Records is used in Credit Analyst jobs:
  • Evaluate customer records and consult with other business representatives to exchange credit information.
  • Maintained customer records by updating personal information to their account.
  • Performed financial and credit analysis on customer records.
  • Maintain customer records by updating account information.
  • Prepared reports that include the degree of risk involved in funding a customer, evaluating customer records and recommending payment plans.
  • Managed 4 sales centers, and over 500 customer records with a combined account portfolio of $10.5 million.
  • Evaluate customer records and secure payment arrangements based on earnings, amount overdue and number of days delinquent.
  • Evaluate customer records and recommend that accounts be closed, credit limit reduced, extended and/or collection attempted.
  • Revised account files, maintained liens, bankruptcies, payments, & other customer records.
  • Evaluate customer records and recommend credit approval using company s matrix system.
  • Evaluate retail customer records and recommend payment plans based on earnings.
  • Analyze credit and loan payment habits and evaluate customer records.
  • Update and maintain A/R customer records.
  • Managed credit profile for key account customers with multiple brands Review customer records and increase/decrease and release credit lines.
  • Created new customer records under Siebel for Fax application and in ICE software for Web Lease applications.
  • Evaluate customer records and recommend options on improving credit.
  • Verify and analyze loans Evaluate customer records Verify documents Verify references Report accounts approved

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41. Monthly Reports

low Demand
Here's how Monthly Reports is used in Credit Analyst jobs:
  • Generated monthly reports to auto manufacturer, underwriters and relationship managers within the organization.
  • Prepared monthly reports include pipeline, participation/syndication and portfolio performance for management.
  • Prepare monthly reports which targeted deficiencies and made recommendation for improvement.
  • Provide management with various monthly reports used for enhancing marketing opportunities.
  • Prepared weekly and monthly reports summarizing department work production and status.
  • Created and analyzed monthly reports on various broker efficiency metrics.
  • Generated and distributed monthly reports and pricing projections for lenders.
  • Generated monthly reports on each credit analysts to department managers.
  • Create daily/weekly/monthly reports for tracking and improving production and process.
  • Prepared and submitted monthly reports to department managers.
  • Prepare monthly reports of collection activities and analysis.
  • Prepared monthly reports for senior management.
  • Conducted monthly audits on consumer credit functions, reviewing all facets of the process and creating monthly reports for senior management.
  • Prepare, disburse, and manage 5 weekly and 2 monthly reports used to ensure the loans stay in compliance requirements.
  • Managed HUD-235 subsidy mortgage loans and prepared monthly reports for HUD, paid real estate taxes and posted payments to ledger.
  • Assembled both rough drafts of 40-page monthly reports; prepared letters of credit, international invoicing and credit check on customers.
  • Generated weekly/monthly reports and analysis providing information and tools to improve all aspects of the credit & collection function and processes.
  • Prepared monthly reports for outstanding and past due balances with explanations of issues or problems related to product or services.
  • Updated management on delinquent account status through monthly reports, assisting clients with bringing their accounts up to date.
  • Prepared monthly reports which gave the management team the ability to evaluate the risk factor of the bank.

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42. Credit Terms

low Demand
Here's how Credit Terms is used in Credit Analyst jobs:
  • Compare liquidity and profitability of companies within the retail and wholesale industries seeking and actively receiving credit terms.
  • Monitored approximately 400 accounts based on established credit terms and company policies.
  • Validated credit application requirements and credit justifications (credit terms upgrade).
  • Provided updated credit information required for decisions regarding credit terms change requests.
  • Analyzed financial statements and information to establish appropriate credit terms.
  • Presented credit terms recommendation to assistant treasurer with supporting analysis.
  • Performed extension of credit terms and company-specific payment plans.
  • Evaluated and reviewed potential customers to establish credit terms.
  • Ensured compliance with credit terms and observed post-disbursement developments.
  • Negotiated credit terms for internal and external customers.
  • Negotiated credit terms and required documentation.
  • Assisted 60 Marketing Associates in the management of customer credit terms, past due accounts and payments of the account holders.
  • Worked directly with customer's to make sure payments were made within credit terms and help reduce any past due balances.
  • Analyzed and established customer accounts, credit terms and limits in order to achieve improvement in Days Sales Outstanding metrics.
  • Analyze credit reports, financial statements, and business references of customers and potential customers to qualify credit terms.
  • Assign credit terms from $75k - $250k by interpreting and transferring financial ratios for financial leadership review.
  • Collaborate with sales, legal, and tax department to negotiate and approve contractual credit terms in trade agreements.
  • Guided customers through legal financial paper work, ran finance contracts, set credit terms and finalized sales.
  • Managed sales credit terms, past due receivables and enhanced communications and relationships with internal and external customers.
  • Advised upper management on granting lines of credit, and adjusting credit terms based on ship to information.

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43. Trade References

low Demand
Here's how Trade References is used in Credit Analyst jobs:
  • Analyzed customer financial statements; compiled bank and trade references and reports from independent agencies, and perfected security agreements.
  • Reviewed customer credit through analysis of financial statement, bank/trade references and DNB reports for credit recommendations.
  • Reviewed financial statements, credit applications and checked trade references.
  • Conduct credit analysis using D&B, financial statements and trade references to issue/extend credit for domestic and international customers.
  • Review, approve/decline, and process credit applications including credit reports, trade references and banking information, create credit files.
  • Process credit applications for corporate and individual clients by contacting bank and trade references via phone, email and fax.
  • Utilized D&B, NACM, trade references and financial statements to determine credit worthiness and minimize company exposure.
  • Obtained bank and trade references for vendors and principals to further mitigate DLL's exposure to write-offs or fraud.
  • Review and analyze financial statements including credit bureau reports and trade references to determine credit worthiness of clients.
  • Reviewed and evaluated credit applications including trade references, bank references, and assigned credit lines within guidelines.
  • Analyzed client financial statements, credit reports, and trade references in order to determine customer creditworthiness.
  • Generated credit reports including trade references and financial history Participated in trade shows throughout the U.S.
  • Analyze and assess financial statements, verify and complete trade references, and review credit reports.
  • Analyzed the financial statements, bank and trade references for all private and nonprofit industries.
  • Verified all business bank accounts and trade references on existing customers along with background checks.
  • Process credit applications: analyze trade references, credit reports, research public records.
  • Reviewed contracts, tax certificates, trade references, sales contracts, for compliance.
  • Contacted clients' bank and trade references to determine if payments were made timely.
  • Assess credit worthiness using D&B reports, financial statements & trade references.
  • Provide trade references to outside vendors, print invoices, and check copies.

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44. Credit Hold

low Demand
Here's how Credit Hold is used in Credit Analyst jobs:
  • Investigated and released credit holds, ensured payments were received from customers timely and initiated collection efforts as appropriate.
  • Monitor and manage product movements and initiates a credit hold until collateral is received when necessary.
  • Credit analysis/decisions regarding customer credit lines and releasing orders that are on credit hold.
  • Prepared and submitted credit insurance applications Released credit holds, reviewed and granted credit limits
  • Negotiated settlements within approved guidelines and placed accounts on credit hold for nonpayment.
  • Handled credit holds, unauthorized deductions, reconciled Safeway retail account.
  • Prepared extensive documentation for management to support credit hold decisions.
  • Determine a credit hold/limit based upon credit evaluation.
  • Placed/released credit holds on accounts that were delinquent/current.
  • Prepared past-due reports for management, maintained credit hold report, and used lien tracker to minimize company's risk exposure.
  • Make dealer contact when accounts are past due or over credit line, and put dealers on credit hold when necessary.
  • Perform complex credit service duties, such as decisions involving credit holds, payment plans/settlements, and lien-related actions when necessary.
  • Monitor Credit Hold of orders, release orders and communicate reasons for delayed shipments due to aging or credit line restrictions.
  • Evaluate credit hold status and make decisions to place or release hold in order to mitigate exposure to the company.
  • Reviewed and released orders on credit hold, resolved deductions, reviewed credit lines, and created/sustained favorable customer relations.
  • Recommend accounts that require action to the Credit Department (credit hold, pending bankruptcies) to minimize loss exposure.
  • Monitor accounts on a daily basis, place accounts on credit hold, release orders- provide adjustments if necessary.
  • Initiated and released credit holds, ensured receipt of timely payments from customers, and assisted with collection efforts.
  • Developed monthly financial reports for senior management regarding accounts receivable, orders on credit hold and charge back delinquency.
  • Notified Sales as well as Customer Service Department when customer was being placed on credit hold for non-payment.

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45. Credit References

low Demand
Here's how Credit References is used in Credit Analyst jobs:
  • Evaluated customer credit application and related documents pertaining to perspective customers and received Customer Credit References with Hoover's.
  • Researched and determined if new customers qualify for credit based upon credit references and company prescribed guidelines.
  • Facilitated credit references, filing maintenance and support of administrative duties associated with credit.
  • Experienced in the processing of new customer credit applications and analyzing credit references.
  • Compiled credit references and trades, insurance renewals, and legal documentation preparation.
  • Completed credit references and provided credit approval and denial to customers.
  • Provide credit references and audit confirmations; manage escrow accounts
  • Perform reconciliations and provide credit references as requested.
  • Contacted credit references on potential new customers.
  • Verified customer's credit references when necessary.
  • Provide credit references to competitor companies.
  • Pull D & B, NACM, request bank references and credit references as needed to make a solid credit decision.
  • Process new account set-ups, including obtaining credit references, D&B reports and establishing credit limits.
  • Organized ELC meetings and responsible for recording meeting minutes, pulled credit references and background checks as needed.
  • Prepared Credit Lines Loan annual renewals, supplier s credit references, and auditor s bank confirmations.
  • Maintain customer master file, making updates as necessary, and respond to credit references upon request.
  • Process new credit applications (set up accounts, check credit references, etc.).
  • Provided credit references to vendors inquiring, evaluated and assigned credit limits and terms.
  • Received credit references and followed up per the request of the credit manager.
  • Set up accounts Obtained bank & credit references & responded to credit inquiries.

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46. Balance Sheet

low Demand
Here's how Balance Sheet is used in Credit Analyst jobs:
  • Analyzed balance sheets to determine operating income for organizations abilities to generate cash versus their current debt obligations.
  • Analyzed financial statements including income statements and balance sheets using a variety of financial ratios.
  • Monitor for significant deterioration in sales, profitability and company's balance sheet.
  • Analyzed balance sheets and tax returns-Summarized details of potential borrowers with narrative
  • Prepared financial statements, and analyzed inconsistencies on balance sheets.
  • Selected information, including company financial statements and balance sheet.
  • Reviewed fund balances, balance sheets, income statements, statements of cash flow, and accompanying auditor or company-prepared notes.
  • Analyzed financial information including balance sheets and P&L statements to make credit decisions for small to midsize farm producers.
  • Evaluated company's liquidity, operating performance and financial risks by analyzing income statement, balance sheet and cash flow statement.
  • Reviewed, analyzed and spread financial statements, including tax returns, financial statements, company balance sheets and income statements.
  • Ask questions to dealership office managers to gain an understanding of balance sheet assets and liabilities and their associated repayment schedules.
  • Analyzed business and personal information including but not limited to tax returns, credit reports, balance sheets and income statements.
  • Interpret corporate taxes, profit and loss (P&L) and balance sheets to determine the clients financial solvency.
  • Review balance sheets, income statements, cash flow, projections, budgets and other financial statements for commercial loan applicants.
  • Provided detailed commentary to lenders and loan committee regarding the customer's profitability, cash flow, and balance sheet positions.
  • Analyzed/reviewed including, spread borrower's financial statements, balance sheets, profit & loss, businesses and personal tax returns.
  • Analyzed, researched & corrected Balance Sheet Accounts, and Cash Receipts & Disburse Journals for large, unusual changes.
  • Analyzed balance sheets, income statements, financial ratios and projections to assess the risk of offering credit to businesses.
  • Reviewed all new credit requests / Analyzed balance sheets, tax returns, income statements and other due diligence documents.
  • Reviewed and analyzed financial statements and balance sheets, monitored cash flow payments from real estate collateral to determine risk.

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47. Financial Performance

low Demand
Here's how Financial Performance is used in Credit Analyst jobs:
  • Input and analyzed complex financial data for the purpose of evaluating past financial performance and/or to project a financial probability.
  • Determined financial health and future financial performance by analyzing and evaluating audits and budgets of more than 1,000 nonprofit organizations.
  • Analyzed financial statements to include financial performance and condition, ratio analysis & financial trends of customers.
  • Performed international and domestic customer credit risk and financial performance analysis to determine commercial credit risk.
  • Reported and consolidated company financial performance with oral presentation to loan committees for final decision.
  • Analyzed and investigated financial statements to evaluate financial performance and determine the degree of risk.
  • Monitored the ongoing financial performance of borrowers and assisted with portfolio management.
  • Evaluated loan requests, reviewed loan documentation and analyzed customer financial performance.
  • Assessed the creditworthiness of commercial lending clients by evaluating historical financial performance.
  • Analyzed financial performance of companies on an individual and industry basis.
  • Reviewed historical data for the basis of projecting portfolio financial performance.
  • Assessed the financial performance of prospective borrowers and analyzed credit histories.
  • Analyzed company financial performance and made financial recommendations to loan officers.
  • Presented written analysis of dealership financial performance and potential risk.
  • Analyzed company industry, competitive position and historical financial performance.
  • Complete Quarterly Risk ratings analysis regarding borrowers financial performance.
  • Compare borrower financial performance against industry/peer data.
  • Analyzed monthly financial performance versus plan.
  • Corresponded with borrowers regarding financial performance.
  • Completed credit reviews, monitoring company strengths, weaknesses and financial performance, and approved internal facility ratings and enterprise limits.

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48. Monetary Transactions

low Demand
Here's how Monetary Transactions is used in Credit Analyst jobs:
  • Perform accurate monetary transactions to include chip, marker, credit card, and various other types.

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49. Customer Disputes

low Demand
Here's how Customer Disputes is used in Credit Analyst jobs:
  • Account reconciliation, Research and resolve customer disputes that are preventing payment including obtaining appropriate authorization for issuing credits to customers.
  • Identified problems or customer disputes and interfaced with account management and senior management personnel to ensure timely resolution.
  • Resolved customer disputes concerning errors by researching accounts, preparing and submitting documentation to initiate account resolution.
  • Maintained constant review and analysis of deposit accounts for fraudulent activity and resolved customer disputes.
  • Developed innovative ways to eliminate customer disputes to improve customer satisfaction and ensure payment.
  • Initiate conversations with delinquent customers to manage customer disputes regarding account and invoicing discrepancies.
  • Analyze customer disputes and resolutions on documentation with external clients on contract loan procedures
  • Resolved customer disputes, negotiate repayment plans, perform daily account reconciliation
  • Resolved customer disputes regarding maintenance of credit card reward program.
  • Lead department contact/researcher for customer disputes and regulatory agency interactions.
  • Managed collection of assigned customer accounts, including customer disputes.
  • Researched and resolved customer disputes by contacting corresponding internal support.
  • Followed up on customer disputes to ensure timely resolution.
  • Exercised negotiation skills in clearing customer disputes regarding contracts.
  • Resolved customer disputes or misinterpretations with their credit card.
  • Reconcile customer statements/billings, negotiate customer disputes to resolution.
  • Negotiate customer disputes and document root cause analysis.
  • Resolve customer disputes negotiate settlements and repayment plans.
  • Resolved customer disputes with service and delivery.
  • Resolved customer disputes surrounding incorrect billings.

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50. ACH

low Demand
Here's how ACH is used in Credit Analyst jobs:
  • Prepared financial analysis report for each loan application including financial statement analysis, risk assessment, industry analysis and forecasting.
  • Achieved satisfactory credit administration goals, and delivered results in achievement of targeted credit quality with adequate compensation for risk.
  • Generated customized and detailed action plans to aid potential borrowers in optimizing credit and ultimately achieving the desired mortgage approval.
  • Use consumer credit bureau, identity verification and automobile valuation websites to accurately complete each form quickly and efficiently.
  • Conducted phone inquiries to develop business demographics and obtain other pertinent information to reach an underwriting decision.
  • Researched contact information than subsequently reached accountable individuals and collected on debts from large companies.
  • Lead training and professional development initiatives and offer coaching and instruction, when necessary.
  • Communicated effectively with sales manager to modify terms to achieve corporate limits.
  • Maintained detailed correspondence files for each account and performed month-end account reconciliations.
  • Conduct loan compliance reviews, including on-site record and physical machine/inventory audits.
  • Recognized for strong underwriting practices and recommendations - achieving solid portfolio.
  • Perform a preliminary review of each application for compliance and completeness.
  • Developed comprehensive corporate summaries through in-depth analysis of each business.
  • Developed improvements to achieve smoother, more efficient internal processes.
  • Achieved basic understanding of cash flow analysis and loan documentation.
  • Achieved customer satisfaction by promptly addressing customer invoice issues.
  • Verified eligibility of each patient pending insurance status.
  • Coordinated regulatory audits and achieved satisfactory exam results.
  • Recommend changes to process to achieve greater efficiency
  • Provided impeccable customer service to each customer.

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20 Most Common Skill for a Credit Analyst

Credit Reports18.3%
Loan Portfolio14.6%
Customer Service9.8%
Financial Statements9.6%
Credit Limits5.3%
Credit Card Applications5.1%
Credit Line Increases4.6%
Customer Accounts4.5%

Typical Skill-Sets Required For A Credit Analyst

RankSkillPercentage of ResumesPercentage
1
1
Credit Reports
Credit Reports
14.6%
14.6%
2
2
Loan Portfolio
Loan Portfolio
11.7%
11.7%
3
3
Customer Service
Customer Service
7.8%
7.8%
4
4
Financial Statements
Financial Statements
7.7%
7.7%
5
5
Credit Limits
Credit Limits
4.2%
4.2%
6
6
Credit Card Applications
Credit Card Applications
4%
4%
7
7
Credit Line Increases
Credit Line Increases
3.7%
3.7%
8
8
Customer Accounts
Customer Accounts
3.6%
3.6%
9
9
Credit Risk
Credit Risk
2.7%
2.7%
10
10
New Accounts
New Accounts
2.2%
2.2%
11
11
Income Tax Returns
Income Tax Returns
2.1%
2.1%
12
12
Annual Reviews
Annual Reviews
2%
2%
13
13
Real Estate
Real Estate
1.8%
1.8%
14
14
Payment Arrangements
Payment Arrangements
1.8%
1.8%
15
15
Select Delinquent Accounts
Select Delinquent Accounts
1.7%
1.7%
16
16
Loan Applications
Loan Applications
1.7%
1.7%
17
17
Bradstreet
Bradstreet
1.7%
1.7%
18
18
Credit Data
Credit Data
1.6%
1.6%
19
19
Phone Calls
Phone Calls
1.6%
1.6%
20
20
Credit Policy
Credit Policy
1.5%
1.5%
21
21
Credit Department
Credit Department
1.2%
1.2%
22
22
Data Entry
Data Entry
1.1%
1.1%
23
23
Payment History
Payment History
1.1%
1.1%
24
24
Collection Calls
Collection Calls
1%
1%
25
25
DSO
DSO
1%
1%
26
26
Financial Status
Financial Status
1%
1%
27
27
Due Diligence
Due Diligence
0.9%
0.9%
28
28
Special Projects
Special Projects
0.8%
0.8%
29
29
Risk Analysis
Risk Analysis
0.7%
0.7%
30
30
Outbound Calls
Outbound Calls
0.7%
0.7%
31
31
External Customers
External Customers
0.7%
0.7%
32
32
Equifax
Equifax
0.6%
0.6%
33
33
Potential Customers
Potential Customers
0.6%
0.6%
34
34
Credit Accounts
Credit Accounts
0.6%
0.6%
35
35
Accounts Receivables
Accounts Receivables
0.6%
0.6%
36
36
Computer Programs
Computer Programs
0.6%
0.6%
37
37
Sales Representatives
Sales Representatives
0.6%
0.6%
38
38
Credit Memos
Credit Memos
0.6%
0.6%
39
39
Ensure Compliance
Ensure Compliance
0.6%
0.6%
40
40
Customer Records
Customer Records
0.6%
0.6%
41
41
Monthly Reports
Monthly Reports
0.6%
0.6%
42
42
Credit Terms
Credit Terms
0.5%
0.5%
43
43
Trade References
Trade References
0.5%
0.5%
44
44
Credit Hold
Credit Hold
0.5%
0.5%
45
45
Credit References
Credit References
0.5%
0.5%
46
46
Balance Sheet
Balance Sheet
0.5%
0.5%
47
47
Financial Performance
Financial Performance
0.5%
0.5%
48
48
Monetary Transactions
Monetary Transactions
0.4%
0.4%
49
49
Customer Disputes
Customer Disputes
0.4%
0.4%
50
50
ACH
ACH
0.4%
0.4%

6,376 Credit Analyst Jobs

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