Chloe Jin
Lexington,MA
Summary
Dynamic and ambitious professional with background leveraging solid credentials and hands-on experience in credit analysis. Offers the ability to identify solutions and improve efficiency. Excellent interpersonal and time management skills with the ability to multi-task and work successfully in teams. Key competencies include, but are not limited to, financial analysis and risk assessments.
Overview
8
8
years of professional experience
Work History
Credit Analyst
Rockland Federal Credit Union
01.2023 - Current
- Analyze complex financial information and cash flow of existing and potential borrowing clients for purposes of approving or denying loan request.
- Underwrite over 40 cases, such as CREM, construction loan, LOC and auto loan, with loan amount from over $1 Million to $50,000.
- Analyze financial condition and cash flow of borrowers; identify trends with financial ratios, analysis of balance sheet and income statement changes and trends, guarantor analysis and collateral analysis
- Utilize financial spreading software, like Moody's and Sageworks.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conduct in in-depth review of rent rolls, leases, income statements, CoStar, appraisal reports, guarantor financials, global cash flow statements, and other financial information to determine, independently that borrower can generate income and cash flow sufficient to repay existing and proposed debts
Credit Analyst
South Shore Bank
07.2021 - 01.2023
- Perform in-depth credit and financial statement analysis to assess and evaluate financial condition of businesses which have obtained or seek to obtain credit from bank
- Note any deviations from Loan Policy and Loan Covenants as appropriate
- Spread and analyze financial statements and supplementary information
- Perform detailed evaluation of customers credit capacities as well as provide detailed reports outlining financial condition of prospective and present borrowers
- Review trends in customer’s business, comparing past years, and assessing covenant compliance
- Underwrite in support of new and existing loans, which includes analyzing multi-year trends and ratios from financial information, understanding cash flow, performing collateral analysis, running credit reports
Junior Credit Analyst
Small & Medium Enterprises Investment CO. LTD
06.2016 - 05.2019
- Gathered loan documentation for underwriting.
- Assessed credit risk and analyzed financial statements.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Updated and tracked client financial and collateral reports due to a weekly basis to ensure client meeting the loan covenant requirement
- Uploaded and managed collateral files for loan deals to the system database
- Conducted review of real estate appraisals reports and other collateral products (i.e trading securities)
Education
Master of Accounting -
Auckland University of Technology
Auckland, New Zealand06.2015
Bachelor of Finance -
Zhengzhou University
Zhengzhou, China06.2013
Skills
- CFA Level 2 Candidate
- Digital Fluency: Proficient in Microsoft Word, Excel, PowerPoint
- Language Fluency: Fluent in Chinese and English
Timeline
Credit Analyst
Rockland Federal Credit Union
01.2023 - Current
Credit Analyst
South Shore Bank
07.2021 - 01.2023
Junior Credit Analyst
Small & Medium Enterprises Investment CO. LTD
06.2016 - 05.2019
Master of Accounting -
Auckland University of Technology
Bachelor of Finance -
Zhengzhou University
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