Banking

Credit analyst CV: example and template

This example is for credit analysts at banks, leasing and factoring firms, and for customer advisers, accountants and finance graduates who want to assess credit applications.

The employer wants to know which clients you assess, which analyses you prepare, how you choose collateral and which decisions you help make. We show you how to describe this on your CV.

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Example CV: credit analyst

All the details in this example are fictional. Treat it as a model of layout and wording, and replace the content with your own experience.

Emilia Borowska

Credit analyst

Gdynia +48 123 456 789 emilia.borowska@example.com

Professional profile

Credit analyst with 6 years of experience, the last 3 in a bank's mid-sized company credit assessment department. I analyse financial statements and forecasts, prepare ratings and recommendations for the credit committee, choose collateral and monitor clients. I assess about 120 applications a year worth PLN 900 million in total, and the share of problem loans in my portfolio is below the bank average.

Work experience

Credit analyst, mid-sized companies

02.2022 - present

Bank, credit assessment department, Gdynia

  • About 120 applications a year worth PLN 900 million in total.
  • Analysing financial statements, cash flows and forecasts.
  • Client rating and recommendations for the credit committee.
  • Choosing collateral and loan terms with the relationship manager.
  • Portfolio monitoring, problem loans below the bank average.

Junior credit analyst

07.2019 - 01.2022

Leasing firm, Gdansk

  • Assessing small business leasing applications.
  • Checking documents.
  • Decisions within my own authority.

Education

Master's degree, finance and accounting

2014 - 2019

University of Gdansk

Skills

  • Assessing company creditworthiness
  • Financial statement analysis
  • Cash flows and forecasts
  • Rating and credit recommendations
  • Loan collateral
  • Portfolio monitoring

Certificates

  • Credit analyst certificate, 2022
  • Cash flow analysis training, 2021
  • Advanced Excel course, 2020

Languages

  • English: B2

Additional information

  • Hybrid work

I hereby consent to the processing of my personal data for the purposes necessary to carry out the recruitment process, in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (GDPR).

How to write a credit analyst CV

Professional summary

Write which institution you work for, which clients you assess and how many applications of what value. Add a result, for example portfolio quality. The employer is looking for someone who reads numbers well, asks good questions and can justify a recommendation clearly.

Junior credit analyst with 2 years of experience at a leasing firm. I assess small business applications, check documents and make decisions within my authority. I am looking for work as a credit analyst at a bank.

Experience: duties and achievements

Describe clients, the number and value of applications, analyses, rating, collateral and monitoring. Show results in numbers. Add your decision-making authority if you have any. Also say which industries you work with most often.

Weaker: Assessing applications.

Better: About 120 applications a year worth PLN 900 million in total.

Weaker: Analyses.

Better: Analysing financial statements, cash flows and forecasts.

Weaker: Portfolio.

Better: Portfolio monitoring, problem loans below the bank average.

Skills worth listing

List creditworthiness assessment, statement analysis, cash flows, rating, collateral and monitoring. In your soft skills show inquisitiveness, accuracy and writing concise justifications.

Professional skills

  • Creditworthiness
  • Financial statements
  • Cash flows
  • Rating
  • Collateral
  • Excel

Personal skills

  • Inquisitiveness
  • Accuracy
  • Concise justifications
  • Resilience under pressure
  • Independence

Certificates

List credit analyst certificates and training in financial analysis and Excel. Finance qualifications, for example CFA, are also worth giving.

Your first job as a credit analyst

A good start is a leasing firm or a junior analyst role at a bank. On your CV show finance studies, Excel and placements.

Add a financial statement analysis, for example from a university project. It shows you can read a company's numbers.

Tailoring your CV to the job offer

A bank looks for assessing mid-sized and large companies, a leasing firm for fast decisions on many small applications, and factoring for assessing debtors and receivables. Move to the top what the job ad is about.

The most common mistakes on a credit analyst CV

Questions and answers

What should a credit analyst put on a CV?

The institution, clients, the number and value of applications, analyses, rating, collateral, monitoring and certificates.

How does a credit analyst differ from a risk analyst?

A credit analyst assesses individual clients and applications, and a risk analyst the whole portfolio and the institution's risk.

Which results are worth giving?

The number and value of applications assessed, portfolio quality and the time to prepare a recommendation.

Does customer adviser experience help?

Yes, you know the clients and the documents a credit analyst works with.

Create a credit analyst CV in the builder

In the CV Majster builder you enter your details step by step and see right away what the document looks like. You can copy the wording from this page and adapt it to yourself. The finished CV as a PDF costs a one-off PLN 5, with no subscription, and you see the preview before you pay.

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See also

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