Credit Specialist CV Sample

Objective

Highly motivated and results-driven Credit Specialist with 5+ years of experience in analyzing creditworthiness, managing credit portfolios, and mitigating credit risks. Seeking a challenging position in a reputable financial institution to utilize my expertise in credit analysis, risk assessment, and relationship management to contribute to the organization's success.

Education

Bachelor of Science in Finance - University of Lagos, Nigeria (2010-2014)

Master of Business Administration (MBA) - Lagos Business School, Nigeria (2015-2017)

Professional Experience

Credit Specialist - ABC Bank, Lagos, Nigeria (2017-present)

• Conduct thorough credit analysis and risk assessment of loan applications, ensuring compliance with internal policies and regulatory requirements.
• Manage a portfolio of corporate clients, monitoring credit exposure, and implementing risk mitigation strategies.
• Collaborate with relationship managers and underwriters to structure credit facilities that meet clients' financing needs while minimizing risk.
• Perform regular credit reviews and monitor the financial health of existing borrowers, identifying potential credit issues and recommending appropriate actions.
• Prepare comprehensive credit reports and present findings to senior management for credit approval decisions.
• Develop and maintain strong relationships with clients, providing exceptional customer service and addressing any credit-related inquiries or concerns.

Credit Analyst - XYZ Bank, Lagos, Nigeria (2014-2017)

• Analyzed financial statements, credit reports, and other relevant information to assess the creditworthiness of individuals and businesses.
• Prepared credit proposals and made recommendations for credit approvals or denials based on risk assessment.
• Conducted site visits and interviewed clients to gather additional information for credit evaluation.
• Monitored loan portfolios, identifying early warning signs of credit deterioration and initiating appropriate actions.
• Assisted in the development and implementation of credit policies and procedures.

Skills

• Strong knowledge of credit analysis, risk assessment, and credit risk management.
• Proficient in financial statement analysis and financial modeling.
• Excellent understanding of banking regulations and compliance requirements.
• Strong analytical and problem-solving skills.
• Effective communication and interpersonal skills.
• Ability to work independently and in a team-oriented environment.

Certifications

Certified Credit Professional (CCP) - Institute of Credit Administration, Nigeria

References

Available upon request