Professional Resume Template for
Credit Analyst
Sarah J. Harrington
Charlotte, NC
(704) 555-0143
sarah.harrington@email.com
linkedin.com/in/sarah-harrington
Professional Summary
Methodical Credit Analyst with 6 years of experience performing underwriting, risk assessment, and portfolio management for mid-market commercial loan portfolios up to $150M. Proven track record of evaluating corporate financial statements, calculating debt service coverage ratios (DSCR), and structuring complex credit facilities to minimize default risk. Successfully reduced portfolio delinquency rates by 24% while accelerating loan spreading turnarounds by 30% through automation of financial models. Proficient with Moody's Analytics, Abrigo (Sageworks), Bloomberg Terminal, and advanced Excel.
Work Experience
Senior Credit Analyst — Piedmont Commercial Bank
Charlotte, NC | January 2023 – Present
- Manage risk assessment and credit underwriting for a $180M commercial loan portfolio, performing detailed financial analysis on corporate borrowers with annual revenues ranging from $15M to $100M.
- Underwrote and structured 45+ new commercial credit facilities totaling $75M in volume, maintaining a 0% default rate through rigorous analysis of debt service coverage ratios (DSCR) and collateral quality.
- Implemented Moody's Analytics CreditLens to automate financial spreading workflows, reducing average credit memo turnaround times by 32% (from 5.2 days to 3.5 days) while increasing data input accuracy.
- Conduct annual reviews and covenant compliance monitoring for 60+ active corporate credit accounts, identifying potential credit deterioration and mitigating risks, which reduced delinquency rate by 18%.
Credit Analyst — Summit National Bank
Atlanta, GA | June 2020 – December 2022
- Spread and analyzed historical financial statements, tax returns, and cash flow statements for 120+ commercial borrowers, calculating key leverage, liquidity, and profitability ratios.
- Collaborated with 8 Commercial Loan Officers to structure credit facilities, draft comprehensive credit memos, and present risk recommendations to the credit committee for approvals up to $5M.
- Monitored a $95M loan portfolio for covenant defaults and borrowing base compliance, resolving 14 covenant violations and negotiating remediations that secured bank collateral.
- Optimized internal cash flow model templates in Excel by building automated risk rating tables, saving 4 hours of manual analysis per credit file and speeding up the underwriting process by 15%.
Education
Bachelor of Science in Finance
Emory University · Atlanta, GA · 2020
Skills
Credit underwriting, Financial statement analysis, Cash flow modeling, Debt Service Coverage Ratio (DSCR), Moody's Analytics, Abrigo (Sageworks), Bloomberg Terminal, Commercial lending, Risk assessment, Portfolio monitoring, Covenant compliance, Collateral valuation, Advanced Microsoft Excel, SQL
Projects
Credit Operations Tech Integration
Role: Lead Credit Analyst
Tools: Moody's CreditLens, Abrigo, MS Excel
Led the migration of 400+ active commercial credit profiles to CreditLens, completing the rollout 2 weeks early and reducing spreading errors by 40%.
Commercial Credit Risk Re-rating Initiative
Role: Credit Analyst
Tools: Excel VBA, Sageworks, SQL
Re-evaluated and updated risk ratings for a $120M commercial loan portfolio over 6 months, identifying 15 high-risk accounts and mitigating $8M in potential defaults.
Certifications
- Credit Risk Certification (CRC) (2023)
- Certified Credit and Risk Analyst (CCRA) (2021)
Additional information
- Languages: English (Native), French (Conversational)
- Volunteer Work: Financial literacy workshop instructor for local business development center (2022-present)
- Availability: 2 weeks notice
Job Market Insights
Market data and opportunities for
Credit Analyst
Job Market Insights
$65,000
-
$115,000
Avg:
$88,000
Growth Outlook:
The demand for Credit Analysts in the United States is projected to grow steady, driven by complex regulatory compliance, evolving risk management frameworks, and the expansion of private credit markets. While AI and automated spreading tools handle routine financial data entry, the need for human judgement to interpret qualitative factors and structure complex credit facilities remains critical. Job openings are forecasted to increase by 5% over the next decade.
5% growth over 10 years
Key Skills Required
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