Credit Analyst Resume Template

credit analyst resume template
credit analyst resume template

Credit Analyst Resume

This is a free Credit Analyst Resume example that covers objectives and tips to gets you the best job. This professional resume template with action words will help you in writing perfect CV for the desired Credit Analyst Job.

Credit Analyst Job Description 

  • Analyzes customer’s financial history to grant loan in accordance with risk management.
  • Analyzes paying habits of customers who are delinquent in payment of bills and recommends action:
  • Reviews files to select delinquent accounts for collection efforts.
  • Evaluates customer records and recommends that account be closed, credit limit reduced or extended, or collection attempted, based on earnings and savings data, payment history, and purchase activity of customer.
  • Confers with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses.
  • Interviews customers in person or by telephone to investigate complaints, verify accuracy of charges, or to correct errors in accounts [BILL ADJUSTER (clerical)].

Sample Credit Analyst Resume Template


Contact information

In this section you have to include your Name, current home address, Mobile telephone number, Landline telephone number and your personal email address which is currently used.

  • Full name
  • Present and permanent addresses
  • Telephone numbers
  • Email address

Professional or career objective

Your objective is the one that clearly underlines your aims and aspirations in that profession. For example a Commerce Graduate will have to write an objective which is concise and precisely speaks about his role that he wants to play in the Organization.

Sample Objective for Credit Analyst

Senior-level commercial credit specialist seeking to provide comprehensive understanding of credit development, knowledge and support. I will offer excellent communication, analytical and problem solving skills. Effectively operates in a team environment while focusing on solutions, and customer satisfaction.

Career Achievements 

If you have any major Career Achievements or any Appreciation then this is the section where they should be listed. For Example a Credit Analyst can add his/her career achievements like,

  • IIM Ahemdabad Graduate with good scores.
  • Excellent supervisory and management skills; participated in hiring, training, annual evaluations, and termination of employees when needed. Ability to interface well with all levels of co-workers and management.
  • Decreased bad debt at Citi financial from a high of 150 million to under 50 million by implementing new credit procedures; developed a “credit limit matrix” that used Dun & Bradstreet credit rating information to properly assign credit limits to various customers.


Previous work experience plays an important role while applying for a Job and hence it should be well presented in the resume. Most of the questions during your resume will be related to the previous job that you had and hence you should be well prepared for it. You should begin with putting the name of the organization that you worked for, the duration of your work and the post or the designation at which you were working. After this, you can effectively place points in a bulleted format that talk about the responsibilities and the achievements that you may have achieved during your stay at the previous organization. The work experience of an experienced Credit Analyst applying for a job would look like,

Credit Analyst

Senior Credit Analyst – 2006 to Present

Mahindra Auto Finance, Indore

  • Receive online credit applications for auto loans from web-sites and various partners and DSO’s.
  • Analyze applicant’s financial status, credit and property evaluation to determine feasibility of granting loan request.
  • Handle pre-approved arrangements.
  • Managed, directed, and coordinated all activities to implement company policies, procedures, and practices concerning underwriting, applications, and granting or extending auto loans.
  • Prepared financial and internal reports as required.
  • Maintained satisfactory dealer relations with all acceptable dealers within branch.
  • Successive moves each involved title advancements, increased portfolios, and lending authority. 

Credit Analyst 2003 to 2005

ICIC Auto Loan, Nagpur 

  • Managed, directed and coordinated all administrative activities such as RC and insurance follow-up, payment processing, commodity checks, and customer service.
  • Maintained, monitored, and controlled collection activity and portfolio performance at or below 1.2% 30+ days delinquency including repossessions.
  • Trained, motivated, and promoted all subordinate staff.
  • Analyze applicant’s financial status, credit and property evaluation to determine feasibility of granting loan request.
  • Supervision of automatic underwriting.
  • Hired and trained staff members, set goals and objectives for staff, improved credit quality, records, collections, A/R aging, and bad debt.
  • Developed and implemented all new credit processes and records during mainframe and PC transitions.
  • Timely design and successful implementation of new credit record and filing system, and new forms, procedures, policies, and controls to satisfy compliance requirements.

Credit Manager 2001 to 2002

Citi Financial, Pune 

  • Improved relations with Sales and Customer Service, interacting daily to enhance goodwill by promoting a customer-friendly atmosphere.
  • Kept bad debts to less than one tenth percent, achieved or exceeded management goals for A/R aging, maintained active collections role with major accounts, constantly promoted “Customer-Friendly” approach with staff.
  • Worked at several regional banks in increasingly larger roles of responsibility and authority.
  • Responsible for new business development, performed all financial and credit risk analysis on new loan proposals, structured, packaged and presented new loans proposals for executive and board approvals, prepared all new accounts documentation, performed loan closings, managed all follow-up loan accounts activity.
  • Maintained 200M loan portfolio, responsible for quality and current status, all collections and workouts.
  • Innovatively structured credit transactions and utilized various financing options to ensure that customer needs were met consistent with risk management philosophy and principles.
  • Effectively negotiated credit decisions that helped generate Citi’s sales growth while still supporting business revenues and profitability goals.

Education and Certification 

The academic details need to be mentioned in a tabulated format with respect to the degrees or the courses that the candidate would have undertaken in the past. The latest degree or course comes first followed by the last completed course and hence forth going backwards. For example a Credit Analyst who has completed post graduation or graduation course is applying for a Job or to a company or an organization then his/her details would be like,

M.B.A., Finance – 2000

IIM, Ahemdabad

B.Sc, Math – 1999

Mumbai University

Certificate, Computer Application and Financial Suit

NIIT, Mumbai


If you have won any competitions national or international then they could also be highlighted here. For example a Credit Analyst could lay stress on any exams that he may have given or any seminars or conferences attended. If you are a part of any honorary society or any nonprofit organization then that could also be added here.

The honors and the activities section of a Credit Analyst would look like,

  • Scholar of IIM Ahemdabad.
  • Member of All India Credit Authorities and guideline.
  • Worked with fortune 500 companies.
  • Trained and expertise on all the major credit analyzing tools and software.


The References are generally required so that your present employer can gauge you through the eyes of the people who you were associated with or have worked for. So your teachers or college professors’ details could be placed here. Or your past employer who you would have worked under can also be used as a reference. Ensure that the people whose names you enter know you well and do inform them that you are placing their names as reference because many companies call to confirm. For example the references section of a Credit Analyst could also look like,

Mr.Abc Def

Sr. Manager

Citi Financial


Salary Range of a Credit Analyst

  • The average salary received is approximately Rs. 40000 per month. This works out to an annual pay package of 4.8 Lakhs to 6 Lakhs per annum CTC.
  • The salary from an American perspective works out to be $5000 per Month.

Note: This salary may be variable and it may change from organization to organization. 

Frequently asked Credit Analyst Interview Question 

  • How would you start a project?
  • What metrics would you expect to use to determine the on-going success of your project?
  • You have a team member who is not meeting his commitments, what do you do?
  • We have met several candidates. Why are you the Credit Analyst we should hire?
  • What type of performance problems have you encountered in people who report to you, and how did you motivate them to improve?

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