Credit Associate Resume Sample
Jordy Ledner
207 Jerald Islands,
Philadelphia,
PA
+1 (555) 609 9845
Work Experience
Credit Associate
06/2016
-
PRESENT
Dallas, TX
- Experience with basic accounting practices and procedures
- Intermediate level MS Excel and MS Windows skills
- Pay attention to detail and handle multiple priorities with limited supervision
- General knowledge of Ryder and credit environment including CARMS, AS400/FIS experience, Walker and MS programs
- Review new customer credit applications, analyzing customer credit worthiness, documenting and defending position
- Act as single point of contact for escalations/remediation for areas of ownership
- Reviews and analyzes various trade and financial publications to determine and identify potential "at-risk" accounts
Credit Associate Analyst
06/2011
-
04/2016
Houston, TX
- Serves as a backup for Credit Risk Finance Assistant Analyst (L05) for application review
- Scores accounts to ascertain credit risk
- Assists with defining mitigation strategies for high risk accounts
- Assists Credit Risk group in the quantitative and qualitative analysis to determine high-risk accounts
- Provide written customer credit references to external parties
- Drive self- development and continuous learning through coaching and feedback
- Interact professionally with customer accounts; maintain a strong customer focus
- Strong problem solving, numbers aptitude and analytical skills
- Work on multiple projects and prioritize workload, with a demonstrated results orientation
Structured Credit Associate
07/2004
-
01/2011
Chicago, IL
- Strong PC/technical skills including demonstrated proficiency in Windows, Word, and Excel
- Detail oriented, organized, and focused on deadline requirements
- Achieves goals assigned to the Credit Analyst as part of the department’s annual operating plan
- Adheres to the Credit Analysis department’s Service Level Agreement with the Commercial Services and Consumer Services business line
- Partners with the lending staff in joint calling effort in support of new and existing relationships
- Builds knowledge of commercial lending and banking regulations, procedures, and operations
- Review financial statements and all other relevant financial analysis, as well as non-financial data, to develop a concise and focused analytical foundation for a credit decision
- Responsible for the development of quality credit memos and adherence to Key Bank’s credit policy
- Serves as mentor, coach and trainer for the analyst and underwriting staff
Education
Palm Beach Atlantic University
2000 - 2004
Bachelor's Degree in Finance
Professional Skills
- Proficient reading, writing, and grammar skills are required, as well as solid communication and interpersonal relations skills
- Excellent MS Office skills, with advance experience in Excel (i.e. VLOOKUP, Pivot Tables, etc.)
- Professional communications skills, written and verbal; active listening skills for problem identification and solution
- Strong Excel skills, financial analysis – including projection modeling (Reg Utility & IPPs) is required
- Strong communication skills - listening verbal written and presentation
- The ability to provide resourceful solutions with strong analytical skills, creativity and logical thinking
- Strong computer and communications skills, including Excel and MS Outlook
How to write Credit Associate Resume
Credit Associate role is responsible for excel, software, modeling, accounting, training, credit, finance, microsoft, analytical, retail.
To write great resume for credit associate job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Associate Resume
The section contact information is important in your credit associate resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Credit Associate Resume
The section work experience is an essential part of your credit associate resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous credit associate responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular credit associate position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Associate resume experience can include:
- Written and verbal skills in English; additional language skills in Japanese, Chinese and Mandarin highly desirable
- Demonstrated business writing and communication/presentation skills
- Excellent Customer Service skills with a friendly and professional demeanor, anticipating customer’s needs and solving in a timely manner
- Solid organizational skills with ability to manage multiple tasks at once
- O Strong computer skills
- Efficient prioritizing of tasks and workload balancing to achieve high priorities
Education on a Credit Associate Resume
Make sure to make education a priority on your credit associate resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit associate experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Credit Associate Resume
When listing skills on your credit associate resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical credit associate skills:
- Good problem solving skills to resolve issues as they arise
- Demonstrated business writing and communications/presentations skills
- Solid analytical, financial, mathematical and quantitative skills
- Solid organizational skills ability to manage multiple tasks at once
- Strong and concise quantitative, written and oral communication skills
- Strong verbal skills required
List of Typical Experience For a Credit Associate Resume
1
Experience For Credit Associate Analyst Resume
- Prior commercial credit underwriting experience with preference of 3-5 years
- Understand and have the ability to cross sell SVB’s banking platform with respect to non-debt products (day to day banking, FX etc.)
- Firm understanding of commercial credit underwriting/approval methodologies, including specialized industries, acquisition financing, leveraged finance, and bank participations
- Satisfactory understanding and knowledge of commercial credit policies, procedures, and loan systems (e.g. Moody’s Risk Analyst)
- Contributes to internal or regulatory reporting associated with the European loan portfolio
- Provide prompt and reliable customer service consistently to improve the departmental goal of delivering a high quality customer’s satisfactory
- Facilitate the booking process, and assure credit files comply with SVB policies and procedures
2
Experience For Counterparty Credit Associate Resume
- Stay informed about factors affecting a variety of industries and connect these with possible impacts to our clients
- Knowledge of the risk rating methodology for the risk rated complex credit book
- Basic knowledge of high net worth financial/estate planning concepts
- Spread sheeting of prospect and borrower financials in Risk Analyst ("RA") and Excel
- Spread sheeting of projections in RA
- Attend training classes and perform required certifications - 10%
3
Experience For Structured Credit Associate Resume
- Special projects and Peer training - 5%
- Gather all appropriate supporting documents for new credit applications (credit reports, bank checks, credit references)
- Attend to incoming general calls – supply requested documents to customers
- Balance and close credit card machines daily and scan documents to shared services for processing
- Conducts credit investigations on new and existing customers
4
Experience For Senior Credit Associate Resume
- Assists accounting associates to reconcile accounts
- Attend training classes and perform required certifications -10%
- Once a Credit Application has been approved, open New Accounts in Eclipse and attach supporting documentation
- Assist with resolving Tax Issues / Disputes
- Record keeping of the Team’s Quarterly Goals
- Efficient and accurate credit approvals for new and existing customer’s orders on credit hold
- Establish credit lines on all new and existing accounts up to the approved authority levels
5
Experience For Credit Associate Wholesale Resume
- Answer queue calls from internal dealerships to approve pending orders
- Maintain sales tax exemption records, ensuring customer accounts reflect accurate tax exemption status
- Basic accounting principles and logic
- Resolves issues such as proof of delivery, pricing, freight, discounts, or taxes for customer accts
- Traces customer to new address by inquiring at post office, references, Internet, etc
- Review listing of suggested accounts to be closed with Branch Manager
- Knowledge of procedural and legal aspects of collecting
6
Experience For Gcib Credit Associate Resume
- Knowledge of basic mathematical concepts, basic accounting principles, and use of spreadsheets
- Passion for delivering exceptional customer service
- Intermediate understanding of Microsoft Suite (Word, Excel, PowerPoint, etc.)
- Acknowledge and successfully respond to customer delivery issues, by verifying customer account information directly to sales person, customer, or management
- Review customer account records to release pending orders each night for shipment
7
Experience For Wholesale Credit Associate Resume
- Handle customer disputes which includes researching checks, short pays, etc
- Work well individually, as well as part of a team
- Financial and credit risk assessment for both new and existing customers. Ensure timely and diligent review of customer credit files. Manage and evaluate customer exposure versus credit limit, and review and preparation of monthly logs pertaining to new accounts, account changes and over the credit limit
- Analyzes financial statements, credit reports, references for the purpose of establishing or maintaining credit limit
- Review customer certificate of insurance for rental protection plan and update systems as required
- An Associate in GRM Credit does not have approval authorities
- The position is on the Consumer/Retail Credit team
- Check L/C documents as per L/C terms and conditions, process payments and perform entries in accordance with the presenting/negotiation bank’s or beneficiary’s payment instructions
8
Experience For Gcib Wholesale Credit Associate Resume
- Contact clients directly to resolve compliance related questions and day-to-day operational inquiries
- Ensure credit documentation and compliance requirements are met
- Assist the VP(s) in day to day clients’ request and relationship maintenance
- Review collateral, borrower legal structure and creditworthiness, to determine acceptability and appropriate advance rates
- Process dealer wholesale charges and curtailments when payment received
- Review new application and assess the credit risk and decision cases basis information
9
Experience For Interline Brands A / R Credit Associate Resume
- Print and process Credit Memo’s to customers on a daily basis
- Monitor the credit quality of a portfolio of assigned client names in the Power space. This includes periodic review of borrower financial statements, press releases, news articles, industry information, rating reports, peer analysis, etc
- Bachelors in Finance, Economics, Accounting or other similar
- Multi-task in order to meet multiple deadlines; ability to work under quick turnaround times as needed in live deal transactions
- Discuss a client’s financial position and business with that client in a professional manner
- Read/interpret/analyze financial statements
10
Experience For Ib Credit Associate, A/r Resume
- Knowledge of Canadian capital markets
- Prepare trend cards - Necessary follow-up and communication with CE’s and RM’s
- Completion of tasks with turnaround targets / Service Level Agreements
- Necessary follow-up and communication with CE’s and RM’s
- Partial / Full credit and financial analysis of borrowers, guarantors and vendor - Preparation of Administrative Action reports and full CRS drafts
- Draft Problem Loan and Watch list reports
- Enter new customer information and maintain customer master file
List of Typical Skills For a Credit Associate Resume
1
Skills For Credit Associate Analyst Resume
- Strong organization skills commensurate to achieve assigned work goals required
- Exceptional interpersonal, analytical, and writing skills
- Utilize Excel, JD Edwards and available reporting tools to work effectively and efficiently
- Effectively communicate with customer team and management
- Demonstrated a strong interest in credit investing
- Effectively present information to Credit Managers and Directors of Credit as needed
- Experience with security documentation; UCC’s, Security and Priority Agreements, etc
- Top notch written and oral communication skills
2
Skills For Counterparty Credit Associate Resume
- Excellent understanding of basic credit & collection function
- Experience and analyzing financial data and form opinion
- Commercial credit underwriting experience
- Maintain effective working relationships with customers, Sales, Branch and other functional department personnel
- Oracle Advanced Collections experience/training
3
Skills For Structured Credit Associate Resume
- Credit underwriting experience
- CPR Collections experience/training
- Three to six years of experience working in private equity/ debt investments, corporate finance or investment banking
- Formal credit training experience
- Two or more years of lending or financial analysis experience
- Experience with Anti-Money Laundering, OFAC and other regulatory compliance requirements
4
Skills For Senior Credit Associate Resume
- Consistently demonstrate the Six for Success: Be Trustworthy Commit to your Team Listen to Understand Serve your Customer Prepare and plan & Deliver the result
- Experience in process management and negotiations
- Good commercial awareness with broad market knowledge
- One year of work experience, preferably in an accounts receivable environment
- Some Excel, Word and JD Edwards or a similar ERP system experience
- Credit and Collection experience required
5
Skills For Credit Associate Wholesale Resume
- Experience, preferably in an accounts receivable and collections
- Credit & collection system experience
- Business to business collection experience
- Relevant credit experience required
- Excellent telephone and customer service manner
- Strong interaction with Risk Corporate, Coverage (Relationship Management) and Product Teams (FX, Derivatives, DCM, Syndications, Project Finance..etc)
- Reply to outside requests for credit history/experience
- Enhance Group cash flow through effective communication with centralized collection team, field personnel and/or direct customer contact
- Strong work ethic and sense of urgency to complete objectives with accuracy
6
Skills For Gcib Credit Associate Resume
- Prioritize and process pending orders and inbound/outbound collection calls in a fast-paced environment
- Attention to detail and demonstrates accuracy in work produced
- Maintain good standards of system operation & data quality
- 3nimum Work Experience
- Generating AR Maintenance Reports. Record keeping and updating of these reports
- Incoming / Outgoing calls – Chasing for payment
- Monitoring of emails from credit@1sourcedist.com and dispersing to appropriate team member
- Answering Incoming phone traffic and office voicemail
- Managing NSF checks with customers/sales on collecting balance
7
Skills For Wholesale Credit Associate Resume
- Understanding of financial statement analysis and risk assessment
- Billing and adjustment background
- Working knowledge of Microsoft Word, Excel, Outlook, and PowerPoint required
- Modeling CDO waterfall and pertinent structural features in Fitch’s cash flow model
- Spreadsheeting of projections in RA - Monitor financial covenants and/or liquidity, for compliance with terms of credit agreements
8
Skills For Gcib Wholesale Credit Associate Resume
- Opening COD Accounts in the system when requested
- Opening Ship To / House Accounts as needed
- Generating 80% reports by both Bill To & Ship To Accounts
- Training of field personnel in Accounts Receivable policies and procedures
- Changing Status of Accounts (Referrals etc)
- Chasing for Remit for payments received
- Taking Card Payment for UK and ROI accounts
- Refunding Overpayments / Credit Balances
9
Skills For Interline Brands A / R Credit Associate Resume
- Sending out Chaser Letters/Statements
- Providing Copy documents
- Requesting credit notes
- Managing dealers open account
- The role supports lending by Corporate Banking in Europe and trading activities of Capital Markets requiring trading credit lines
- Exposure to Valuation methods, including the use of Publicly Traded Comparable Multiples, Discounted Cash Flow Modeling, and Debt Pricing
10
Skills For Ib Credit Associate, A/r Resume
- Pre-requisites for the Bank’s Commercial Credit Training Program, including Commercial Credit for Lenders and Intermediate Accounting
- Set up and update new and existing customer accounts, maintaining master data in an accurate manner preventing duplicate accounts
- Prepare credit memoranda with a focus on writing narratives on the underlying client’s solvency and inherent risks
- Spread sheeting of prospect and existing guarantor personal financial statements and tax returns in RA and Excel
- Complete all cash sale credit card transactions – this includes scanning and emailing copies to customers as required
- Keep detailed record of incoming invoices and follow-up to ensure timely processing
- New Credit App processing by gathering DNBi, Experian and / or Credit Reference information for the appropriate Team Member to analyze for credit worthiness
- Record keeping of Monthly Team AR Review scheduling
- Work with accounting to review and reconcile any ACH, EFT, or Wire payments showing open on their reports
List of Typical Responsibilities For a Credit Associate Resume
1
Responsibilities For Credit Associate Analyst Resume
- Excellent written and verbal communication skills required to work successfully with internal members across various levels in organization and also customers
- Contract Proofreading Skills
- Experience, preferably in commercial collections or related accounts receivable role
- Excel, Word and JD Edwards or a similar ERP system experience, required
- Making outbound collection recovery calls to past due and potential past due customer accounts
- Working knowledge of credit, collection, bankruptcy laws, UCC-1 rules, collection agencies and attorneys
- Daily monitoring of orders being released on past due accounts, and places and removes Sales Status of “No Sales Allowed”
- Contact dealer for collection of wholesale charges - curtailments outstanding
2
Responsibilities For Counterparty Credit Associate Resume
- Communicates with Marketing Associates, Account Executives and Sales Management to ensure prompt payment and discrepancies are resolved timely
- Proficiency with systems in use such as Microsoft Office, Eclipse, CRF, Bill Trust, Credit Reporting Agencies
- Manage orders on hold taking appropriate action to ensure delivery dates are met
- Month end reporting on delinquency & over/short payments
- Reviews monthly aging to identify customers and/or jobs with credit or collection issues
- Helps with training of new associates as directed by the Market Credit Manager
- Monitor lien dates to ensure timely filing of preliminary notices/liens as needed
- Advanced level analytical and business writing ability
3
Responsibilities For Structured Credit Associate Resume
- Computer literacy, including functional knowledge of MS Word and Excel
- Team approach to solving problems
- Proficiency with transactional matching tools
- The ability to work independently in a demanding environment
- Answer phone calls from accounts regarding credit & collection
- Communicate with scheduling department on orders on credit hold
- Standard working days and hours
- Standard work station including remote access & mobile technology
- Supervise work of piers, give positive feedback and mentoring
4
Responsibilities For Senior Credit Associate Resume
- Account Trouble shooting
- Corporate office setting
- Proficiency in MS Office Applications including Excel and Word
- Review Accounts Payable invoices for approval and scan, code and send for payment
- Review and approve customer’s requests to join our online portal
- Send security letter to approved customers and update customer master file
- Regular reception relief for coffee & lunch breaks – two or three times per week
- Support special projects for the Area and Regional Credit Manager
- Investigates/ verifies business health of prospective customers applying for credit; prepares documents to substantiate findings, and recommends rejection or approval of applications. - Sort and file all related paperwork as necessary
5
Responsibilities For Credit Associate Wholesale Resume
- Enters new customer information into database, updates as needed
- Maintains credit records to monitor credit lines
- Contacts customers for payment
- Maintains credit limitations on customer accounts within acceptable standards
- Verify Contractors License and Resale Information, if applicable
- Share FRISK Report with the Team
- Provide support for Credit Managers as needed
- Development of profitable sales growth through judicious and timely credit management decisions
6
Responsibilities For Gcib Credit Associate Resume
- Actively manage and control delinquent accounts to limit potential risk and bad debt losses
- Maintain consistent adherence to credit policies and procedures of department and sales organizations
- Timely review and management of customer over limit conditions
- CORE RESPONSIBILITY – Collection Activity
- Direct customer contact to resolve discrepancies or disputes
- Placement and management of delinquent customer accounts with outside collection or legal vendors
7
Responsibilities For Wholesale Credit Associate Resume
- CORE RESPONSIBILITY – Documentation
- Analyze customer data to make credit limit decisions/recommendations utilizing payment history, financial statement analysis, bank and trade references, and Experian scores/data
- Resolve or route issues from Support Desk tickets, calls or emails
- Work independently and as a team member in a deadline-driven environment with demonstrated ability to multi-task; meets SLAs; close attention to detail, accuracy and completeness of assignments
- Demonstrates personal credibility by taking responsibility for actions, being reliable and trustworthy, handling their fair share of the workload, and maintaining confidentiality for all credit information
- Confers with customers by telephone in attempt to determine reason for overdue payment, reviewing terms of sales, service, or credit contract with customer
8
Responsibilities For Gcib Wholesale Credit Associate Resume
- Notifies credit manager or the assistant manager if customer fails to respond
- Performs tasks for the credit analysis process
- Provides clerical and investigative support to Credit Analysts and Managers. Underwrite Merchant applications as per prescribed policy and process
- Process dealer interest/insurance charges, fees, and curtailments
- Process renewals/adjustments for demonstrator units
- Prepare partial lien waivers, final lien waivers and Sworn Statements of Accounts requested by customers for construction projects via email utilizing customer provided forms or downloads from vendor programs
- Image documents and maintain detailed notes on customer’s accounts listing documents provided. Retain original requests for backup and investigation purposes
- Team member to assists with commercial new account set up, customer file maintenance, and job start set up
9
Responsibilities For Interline Brands A / R Credit Associate Resume
- Heavy contact with internal sales team and commercial customers via telephone and email
- Follow dealer for financial statements, bank statements
- Collects and monitor all assigned accounts for prompt payments. Continuous maintenance of assigned open receivables to achieve company acceptable Daily Sales Outstanding levels
- Prepare month end and quarterly Sysco accounts receivable reports
- Set up, release, perform credit holds, and keep track of customer accounts
- Provide customers with copies of invoices/credits as needed
- Answer customer, sales/management correspondence as needed
- Note accounts for driver pick up checks
- Rate orders to determine delivery of product
10
Responsibilities For Ib Credit Associate, A/r Resume
- Corresponding with customer accounts by sending letters appropriate to the situation from our approved correspondence files. This also includes contacting customer to clear any past due balances or reconciling account
- Researching and retrieving information needed for account reconciliation. Cash application knowledge is needed to be able to understand how checks are applied to a customer’s AR
- Engage in customer account review with the Credit Manager when and as directed by him/her
- Document all collection activities
- Manage individual portfolio queue to acceptable department requirements
- Conduct routine research of account history (e.g., usage, payment history, etc.) and check all available computer systems to determine the appropriate action necessary for successfully handling customer problems and inquiries
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