Crede Clements
Bismarck,ND
Summary
Highly trained Credit Analyst at BNC National Bank, adept in financial statement analysis and fostering team collaboration. Excelled in risk assessment, significantly mitigating credit risks through comprehensive analysis and strategic decision-making. Mentored junior analysts, enhancing team proficiency and contributing to informed, growth-oriented credit decisions. Skilled in Microsoft Excel and effective communication, consistently achieving favorable outcomes. Pursuing a similar position in finance.
Overview
8
8
years of professional experience
Work History
Credit Analyst
BNC National Bank
08.2021 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Mentored junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
- Participated in loan committee meetings to provide input on lending processes.
- Performed credit reviews on corporations to assess financial conditions.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
Personal Banker
BNC National Bank
05.2016 - 08.2021
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Promoted financial products by maintaining excellent service offering knowledge.
- Contributed to a positive work environment, fostering teamwork among colleagues to enhance productivity levels.
- Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
- Trained new personal bankers, elevating team performance and service quality.
Education
High School Diploma -
Bismarck State College
Bismarck, NDSkills
- Risk Assessment
- Credit analysis
- Financial statement analysis
- Credit risk
- Credit decisions
- Verbal and written communication
- Financial statements expertise
- Microsoft Excel proficiency
- Data Compilation
- Cash Flow analysis
- Underwriting
- Market Trend Analysis
- Teamwork and Collaboration
- Problem-solving abilities
- Time Management
Additional Information
Along with my credit analysis experience, I have some sales experience from my previous job as a personal banker where I would sell customers on products that would benefit and improve their banking experience.
Timeline
Credit Analyst
BNC National Bank
08.2021 - Current
Personal Banker
BNC National Bank
05.2016 - 08.2021
High School Diploma -
Bismarck State College