Credit Analyst
Resume:
Experienced Credit Analyst skilled in risk
analysis for all types of banks and other
lending institutions. Proven experience in
assessment of creditworthiness of client
companies. Wide background in financial
information analysis including cash flow
records and management accounts.
Strong St current knowledge of compliance
and legal issues involved in credit
approval.
Loan Officer with a unique set of
solutions for every problem. Creative in
decision making. Resourceful financial
professional adept at recommending
loans and managing multi-million dollar
portfolios. Increased profits by 200%.
Handled and resolved the largest number
of reporting discrepancies in 2016.
PROFESSIONAL SUMMARY
Corporate Finance
Expert in GAAP and statutory
Cash flow analysis
Data trending
Financial reporting modeling
Self-motivated
Langua Language: English, Mandarin
MS Office Suite
Evaluate at CRE, Syndication
loan proposal
SKILLS
********@*******.***
Phone
35-51 93rd Street, Jackson Heights,
NY,11372
Address
PROFILE
Business Administration (MBA) focused on finance / Accumulated GPA: 3.36 University of Massachusetts –Lowell Manning School of 2013 – 2015 Business
Taipei, Taiwan/ Graduate School of Information Communications Master of Science/ Accumulated GPA: 4.0
Chinese Culture University 2008 – 2011
EDUCATION
Developing financial status, references, and investigating credit histories. Have knowledge of Market Data Systems like Bloomberg. Before reaching a decision, also compare how much cash and liquid assets a business has on hand with how much it owes. Credit risk analysts demand at the actual rating agencies, such as Moody's, S&P and Fitch. Evaluating historical trends, projections, management performance, industry, cash flow, capital structure and collateral analysis.
Validate the accuracy of the internal credit grading / loan rating system Coordinated with team of risk analysis in monitoring risk portfolio level Oversee quarterly reports and fiscal-year reports on a timely manner. Credit Analyst
Hua Nan Commercial Bank, Ltd., New York Agency 11/2015-Current Originated, reviewed, processed, closed and administered customer loan applications. Processed from approval to drawdown including all matters relating. Collects interest, principal and other payments from borrowers. Loan Administration
Ensure the creditworthiness of the loan or customers, Identified problem loans and outline deficiencies.
Stress tests the loan portfolio and individual loans. Evaluate watch list and allowance for loan loss reserves. Recommend and submitted final credit grades to Loan Review supervisor for approval Loan Review Officer
Analyzing and investigating annual and monthly financial accounts Undertaking financial administration
Preparing reports, budgets, business plans, commentaries and financial statements Financial forecasting and risk analysis
Controlling income and expenditure;
Accountant
Hua Nan Commercial Bank, Ltd., New York Agency 9/2015-11/2015 Financial data entry
Prepare financial statement include Balance Sheet and Income Statement Assist Accounting Manager with special project
Financial Department (Taiwan)
Cathay Life Insurance 7/2011
EXPERIENCE
HYDE PAN
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