Experienced Commercial Credit Analyst who has worked closely with loan administrators to reduce lending risk. Adept at financial research, utilising productivity software and making presentations on commercial credit to executive teams. Specialises in financial research and understanding the economic backgrounds of bank lending clients.
Certified commercial credit expert
Extremely thorough financial research expert
Experience in developing lending and credit models
Very strong presentation and public speaking skills
Works very well independently
Comfortable presenting complex information to banking executives
Able to put the customer first in client contact situations
March 2010 to July 2014 Bedard Lenders-Manchester, UK Commercial Credit Analyst
Responsible for doing considerable research on larger potential borrowers.
Assisted in making presentations to significant clients.
Developed monthly report of funds outstanding to borrowers for executive team.
August 2005 to March 2010 Good Financial Corporation-Manchester, UK Commercial Credit Analyst
Worked as part of a team that developed risk analysis criteria for each lending situation.
Responsible for determining value of collateral for each secured transaction.
Developed extensive spreadsheets outlining client assets and credit risks.
September 1997 to August 2005 Williams Finance-Manchester, UK Commercial Credit Analyst
Responsible for developing detailed reports on credit and lending risks within a variety of industries.
Assisted underwriters in establishing criteria for approving or denying client funding.
Developed quarterly cash flow analysis that compared cash flow to credit outstanding.
1996 Northern London College, London, England, UK, Bachelor of Science, Accounting