Credit Analyst resume example

Credit analyst resumes are screened for portfolio scale and risk outcomes: loan volume underwritten, portfolio size monitored, and whether your calls held up — default and delinquency rates. Name the credit tools and ratios you use (Moody's RiskCalc, DSCR, leverage ratios) since both ATS filters and credit officers scan for them directly.

The strongest credit analyst bullets pair volume with accuracy: number or dollar value of loans underwritten, and the resulting portfolio performance under your coverage. This example uses a simple, single-column layout that keeps figures easy to scan.

Rachel Kim

Credit Analyst

Cincinnati, OH rachel.kim@email.com +1 (513) 555-0512 linkedin.com/in/rachelkim-credit

Summary

Commercial Credit Analyst with 5+ years of experience evaluating commercial lending risk, debt service coverage, and borrower creditworthiness for enterprise banking institutions. Skilled in financial statement analysis, covenant compliance, and underwriting packages, managing a $240M commercial loan portfolio with a default rate below 0.5%.

Experience

Credit Analyst II

Millbrook Community Bank · Cincinnati, OH

Aug 2022 — Present

Underwrote and structured commercial credit facilities ranging from $1M to $25M, reviewing 85 loan applications annually for credit committee.
Analyzed historical financial statements, tax returns, and cash flow projections, maintaining a portfolio loan default rate below 0.5% over 3 years.
Monitored borrower covenant compliance across a $240M commercial lending portfolio, identifying early-warning credit risks in 8 accounts.

Junior Credit Analyst

Ohio Valley Federal Credit Union · Dayton, OH

Jun 2020 — Jul 2022

Authored detailed credit memorandum packages summarizing industry trends, collateral valuations, and debt service coverage ratios (DSCR).
Negotiated loan covenants and collateral pledge terms with commercial borrowers, mitigating credit exposure while closing $65M in new loans.
Automated commercial credit spreading templates in Moody’s Analytics, cutting loan underwriting processing cycle time from 10 days to 4 days.

Skills

Credit Risk Analysis · Underwriting · Financial Statement Analysis · DSCR · Covenant Compliance · Moody's RiskCalc · Credit Memos · Commercial Lending · Risk Rating · Excel · Credit Underwriting · Financial Analysis

Education

University of Cincinnati

B.B.A. in Finance

2016 — 2020

Certifications

Credit Risk Certification (CRC) in progress

Credit Analyst · Classic Clean template · single-column, ATS-safe.

ATS keywords for a Credit Analyst resume

Applicant tracking systems match your resume against the job description's vocabulary. Mirror the terms below that are true of you — ideally with a metric attached.

Credit Risk AnalysisUnderwritingFinancial Statement AnalysisDSCRLoan Portfolio ManagementCovenant ComplianceMoody's RiskCalcCredit MemosDelinquency RateRisk RatingCommercial Lending

What recruiters look for

Loan or portfolio volume underwritten, in dollar terms.
Default or delinquency rate on the portfolio you covered.
Financial statement and ratio analysis (DSCR, leverage) named explicitly.
Credit software or risk-rating models used.
A clean, ATS-friendly layout with quantified risk outcomes.

Before & after: one bullet

Weak

Reviewed loan applications and monitored existing credit accounts.

Strong

Underwrote $85M in commercial loans annually, keeping the covered portfolio's delinquency rate under 1.2%.

Common mistakes to avoid

Writing 'analyzed credit applications' with no volume or dollar figure.
Omitting the risk-rating model or software used.
No delinquency or default-rate metric to show underwriting quality.
Leaving covenant-monitoring or portfolio-review work off the resume.