CREDIT ANALYST
Resume:
BRIAN A. CLARK
**** ******* **** ******* ****
NORCROSS, GA. 30092
*********@*****.***
Professional Experience
Atlanta Fixtures, Atlanta, GA. 02/2013-02/2018
Customer Service/Credit Associate
● Received inbound calls while building strong relationships and solid commitments
with internal and external customers.
● Performed credit checks, reviews, and requests for customers. Processed credit applications, collected past due payments, established credit lines, set credit limits and resolve customer issues related to account discrepancies and product/service eligibility. Handled a portfolio of service receivables which averaged $1.2 million to $1.5 million.
Bank of America, Charlotte, NC 05/2011-01/2013
Commercial Credit Analyst
Contractor Assignment
● Performed financial analysis and credit reviews for commercial loans. Completed
memorandas containing spreads, trend analysis, guarantor analysis for my review.
● Analyzed credit data and financial statements to determine the degree of risk involved in
extending credit to new loan customers.
● Performed annual reviews on existing loan customers to ensure ongoing credit worthiness.
● Prepared reports that included the degree of risk involved in extending credit. Compared
liquidity, profitability, and credit histories for establishments in process of evaluation with those
of similar establishments in the same industries and geographic locations. Negotiated account resolutions, accurately inputted and documented all actions within the collections system on as happens basis.
● Responsible for analyzing and monitoring credit worthiness of assigned customers/accounts
and recommending and/or approving credit lines within established guidelines.
New Hermes Inc Duluth, GA 11/2000–03/2011
Commercial Credit/Collections Analyst
● Managed a specific portfolio and credit approval processes for new Lines of Credit and
renewals of current Lines of Credit.
● Analyzed credit data and financial statements to determine the degree of risk involved in
extending credit.
● Reviewed commercial account files to identify and select delinquent accounts for collection.
● Completed loan applications, credit analysis to determine the degree of risk of extending credit.
● Collected past due 30, 60, 90, and 120+ accounts and recommended accounts for write-off
to 3rd party.
● Negotiated payment plans for past due customers.
● Researched and resolved misapplied cash.
● Investigated account discrepancies and provided resolutions to customers.
● Provided copies of missing invoices and statements to customers.
● Posted client payments by recording cash, check and wires.
● Responsible for 300+ accounts on DSO Report for account balances between $5,000 and
$5,000,000.
● Used bank references to determine expected profitability of loans.
● Used all of the major credit bureaus to review past repayment history.
Classified Confidential
● Analyzed financial data such as income growth, quality of management, market share and
bank references to determine expected profitability of loans.
Skill Sets:
● Excel Spreadsheets, SAP, Lotus Notes, MS Word, Windows, Moody Accounting Software, QuickBooks, Debt Ratio Calculations Oracle, JD Edwards. Credit Analysis: Suzuki and Home Depot Accounts, IBM AS400 Support.
Education:
● Ferris State University Big Rapids, Michigan Bachelor’s Degree Finance
● University of Phoenix Online
Program. Pursuing a Master’s degree in Finance Anticipated Graduation Date May 2019
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