BeforeAnalysed company accounts.
We’d askFor which borrowers, and what was it for?
AfterSpread and analysed accounts for 35 mid-market borrowers (£2m–£25m facilities) and wrote their annual review papers
CV example
Credit analyst CV example (banking, UK)
Credit hiring managers want to know what kind of borrowers you've assessed, how big the facilities were and what happened to your recommendations. “Analysed financial statements” is true of every credit analyst. Give the portfolio, the papers and the outcomes.
From vague to specific
Each stronger line comes from answering one question. The facts are the candidate’s, not invented.
BeforePrepared credit applications.
We’d askHow many, how big, and what was decided?
AfterWrote 14 new-lending papers totalling £96m for Credit Committee; 12 were approved and 2 restructured with tighter covenants
BeforeMonitored the portfolio.
We’d askWhat did you catch, and what was done?
AfterPut 3 borrowers on the watchlist after covenant tests showed leverage above 3.5x; all 3 had revised security agreed
What recruiters look for
- The credit work itself: assessing the risk on loan proposals, setting credit limits and reviewing new and existing clients.
- Reading financial statements, financial modelling, commercial awareness and judgement.
- Risk analysis with models and credit scoring, and written reports and presentations.
- Specific metrics and examples, using the terms in the job advert.
Common mistakes
- Saying you “managed a portfolio” without its size, sector or facility range.
- Listing credit papers without what Credit Committee decided.
- In trade credit roles, leaving out CICM study. Say which level you've passed or are studying for.
Hannah Lewis
Credit Analyst
Bristol, UK · name@example.com · 07700 900000
Profile
Credit analyst in mid-market commercial lending, covering new lending, annual reviews and covenant monitoring. Passed Level I of the CFA Program.
Experience
Credit Analyst, Commercial Banking, Severn Commercial Bank2023 – Present
UK commercial bank, £4bn loan book, lending to businesses with £5m–£100m turnover
- Spread and analysed accounts for 35 mid-market borrowers (£2m–£25m facilities) and wrote their annual review papers
- Wrote 14 new-lending papers totalling £96m for Credit Committee; 12 were approved and 2 restructured with tighter covenants
- Put 3 borrowers on the watchlist after covenant tests showed leverage above 3.5x; all 3 had revised security agreed
- Ran stress tests on borrowers' cash-flow forecasts for every new facility over £10m
Graduate Analyst, Credit Risk, Severn Commercial Bank2021 – 2023
- Checked internal credit ratings on 200 small-business facilities against the bank's scorecard each quarter
- Prepared the monthly portfolio report on limits, excesses and arrears for the head of credit
Qualifications
- Passed Level I of the CFA Program
Education
- BSc Accounting and Finance, University of Exeter, 2021, 2:1
Skills
Financial statement analysis · Cash-flow modelling · Covenants and security · Internal credit ratings · Moody's CreditLens · Excel