Commercial Credit Analyst with 3 years of experience underwriting middle-market and commercial real estate loans for a regional bank. Underwrote 70 credits totaling $410M in 2025 with no early payment defaults. Brings detailed cash flow analysis, clear credit memos and a solid understanding of risk ratings and covenants.
Experience
Commercial Credit Analyst, Bluestem National Bank (Tulsa, OK)
Jul 2023 – Present
Underwrote 70 commercial and CRE credits totaling $410M in 2025 for 5 relationship managers
Spread financial statements and tax returns in Moody's CreditLens and model global debt service coverage
Write credit memos with risk ratings and covenant recommendations, approved by loan committee without major revision
Monitor covenant compliance for 140 loans, flagging 6 early warning credits a year
Complete site visits with relationship managers on about 15 borrowers a year, documenting collateral and operations
Credit Analyst Trainee, Bluestem National Bank (Tulsa, OK)
Jun 2022 – Jun 2023
Completed a 12-month credit training program covering accounting, cash flow and loan structuring
Prepared annual reviews for 90 small business loans
Shadowed loan committee presentations to learn approval standards
Education
B.S.B.A. in Finance, Oklahoma State University (Aug 2018 – May 2022)
Skills
Credit Analysis: financial spreading, cash flow and debt service coverage, collateral analysis, risk rating
Lending: C&I and CRE underwriting, covenant monitoring, loan structuring
Tools: Moody's CreditLens, Excel, nCino, CoStar
Training: RMA credit training, Omega Commercial Lending program
How to write a Credit Analyst resume
A strong Credit Analyst resume shows accuracy, risk reduction and the financial or legal outcomes you were accountable for. Put your most relevant recent role first and make every bullet show a result, not a duty.
Sections, in order
Summary
Experience
Education
Skills
Certifications
Length: One page for most candidates; move to two only if every line is relevant.
Summary: Write two or three lines: your role, your strongest skills, and one result that proves them.
Skills to feature
Financial modeling
FP&A
GAAP or IFRS
Audit and controls
Excel and SQL
ERP systems (NetSuite, SAP)
Contract drafting and review
Regulatory compliance
Risk assessment
Stakeholder reporting
Example bullet points
Shortened the monthly close from 10 to 5 business days by automating reconciliations in NetSuite
Built the three-statement model used in a $40M Series C, keeping forecast variance under 3%
Negotiated 120 vendor and customer contracts a year, cutting average review time from 9 to 4 days
Tips from recruiters
List licences and qualifications (CPA, CFA, bar admission) prominently; they are often hard filters.
Use a conservative, single-column layout; finance and legal readers value precision over style.
Quantify the scale you handled: revenue, assets, deal value or number of matters.
Recommended templates
Ledger (ATS-friendly): moderncv banking: accent name, bold dates on the right
Ivy (ATS-friendly): Harvard-style Times layout with centered headings
Classic (ATS-friendly): Jake's-style LaTeX classic: small caps and hairline rules
Credit Analyst resume FAQ
What should a Credit Analyst resume include?
A Credit Analyst resume should show accuracy, risk reduction and the financial or legal outcomes you were accountable for. Use these sections in this order: Summary, Experience, Education, Skills and Certifications. Put your most relevant recent role first and make every bullet show a result, not a duty.
What is the best resume template for a Credit Analyst?
Ledger, Ivy and Classic work well for Credit Analyst roles. They are single-column with standard headings, so applicant tracking systems (ATS) parse them reliably.
How long should a Credit Analyst resume be?
One page for most candidates; move to two only if every line is relevant.
Which skills should a Credit Analyst put on a resume?
Prioritize the skills named in the job posting. Common ones for Credit Analyst roles are Financial modeling, FP&A, GAAP or IFRS, Audit and controls, Excel and SQL and ERP systems (NetSuite, SAP).
How do I write strong Credit Analyst resume bullet points?
Start with an action verb, say what you did, and end with a measurable result such as close time, forecast variance and savings. For example: "Shortened the monthly close from 10 to 5 business days by automating reconciliations in NetSuite."