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Commercial Credit Analyst

New York, NY, 10026
November 17, 2009

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***West ***th Street, Apt # *A, New York, NY 10026

Cell :917-***-****


To obtain a position in your institution where I may utilize my educational background, work experience and skills.


M.A, Economics, the City College of New York, CUNY: June 2005

A+, Microsoft Certified Technician, Xincon Institute of Technology, NY, August 2000

M.B.A, Business Administration, C.A.D University, Senegal (West Africa): October1992


Investments, Futures and Options, Corporate Finance, International Finance, Money and Banking, Econometrics.


Relevant Skills: Excellent interpersonal relations skills; highly motivated

Technical Skills: MS Word, Excel, Power Point, SAS, SPSS, and SAARI, Baker Hill, Moody’s

Training: Credit Analyst Training Program I & II, TD Banknorth Center, Springfield, MA


TD Bank, NA

Commercial Credit Analyst 05/06-11/09

Perform independent analysis for commercial loan request of a large and complex nature, succinctly summarizing underlying risk, while noting any deviations from the commercial loan Policy as appropriate. Ensures that work is in compliance with applicable laws, regulations and guidelines, as detailed in policies.

Hudson United Bank of New Jersey (Bought by TD Bank, NA in March 2005)

Credit Analyst 01/02-05/06

Implement HUB spread format to Borrowers financial statements; Analyze and underwrite loans requests and risk rate the customer , participate in the conception of the loan agreement and the promissory note, propose triggers and covenants if necessary ; give recommendation to the Bank

General d’Equipement, SA, Senegal 2/96-12/00


Responsible for accounts payable/bookkeeping, payroll, tax and account processing for a privately owned building equipments company.

• Developed automated monthly sales tax payment system using SAARI (French management software)

• Improved time management and increased department productivity.

• Increased cash flow by 20% as a result of implementing new collection procedure.

Cap Informatique, Senegal 04/92-12/95

Associate Accountant

Assigned to billing, accounts receivable and payable and prepare monthly bank reconciliation and updated journal entries for a privately owned computer sales company.

• Assisted in the installation of a new capital inventory and collection system.


Member: Omicron Delta Epsilon; Senepronet


Bilingual French

Contact this candidate