As a credit analyst, your job is to evaluate the creditworthiness of potential clients and customers, and determine those eligible for loans.
To get ahead as a credit analyst, you’ll need to highlight your strong analytical skills, interpersonal skills, and communication skills on your CV.
If you’re not sure how best to structure or write an effective CV, you can use our credit analyst CV example below for guidance and structure tips.
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Credit Analyst CV example
Before you start writing your CV, take a look at the example Credit Analyst CV above to give yourself a good idea of the style and format that works best in today’s job market.
Also, take note of the type of content that is included to impress recruiters, and how the most relevant information is made prominent, to ensure it gets noticed.
Credit Analyst CV structure & formatting
If you focus purely on the written content of your CV but ignore the style and layout, your efforts could end up wasted.
No matter how suitable you are for the role, no recruiter wants to spend time squinting and trying to navigate a badly designed and disorganised CV.
Instead, make sure to organise your content into a simple structure and spend some time formatting it for ease of reading – it will ensure every recruiter and hiring manager can read your CV with ease.
How to format your CV
- Length: Whether you’ve got one year or three decades of experience, your CV should never be more than two sides of A4. Recruiters are busy people who’re often juggling numerous roles and tasks, so they don’t have time to read lengthy applications. If you’re a recent graduate or don’t have much industry experience, one side of A4 is fine.
- Readability: Help out time-strapped recruiters by formatting your CV for easy reading. Using lots of bullet points and lists will help them to skim through your info, while clearly formatted headings will allow them to navigate towards the content which is most useful to them.
- CV design: The saying ‘less is more’ couldn’t be more applicable to CVs. Readability is key, so avoid overly complicated designs and graphics. A subtle colour palette and easy-to-read font is all you need!
- Photographs: Recruiters can’t factor in appearance, gender or race into the recruitment process, so a profile photo is not usually needed. However, creative employers do like to see them, so you can choose to include one if you think it will add value to your CV .
Quick tip: Creating a professional CV style can be difficult and time-consuming when using Microsoft Word or Google Docs. To create a winning CV quickly, try our quick-and-easy CV Builder and use one of their eye-catching professional CV templates.
CV structure
For easy reading, write your CV to the following CV structure:
- Contact details – Make it easy for recruiters to get in touch with you by listing your contact details at the top of your CV.
- Profile – A short and snappy summary of your experience and skills, showcasing what makes you a good fit for the position.
- Work experience / career history – Note down all your work history, with your current position first, then working backwards.
- Education – A short list of your academic background and professional/vocational qualifications.
- Interest and hobbies – This is an optional section, which you can use to highlight any relevant hobbies or interests.
Now, let’s take a closer look at what you should include in each section of your CV.
CV Contact Details
Start off your CV with a basic list of your contact details.
Here’s what you should include:
- Mobile number
- Email address – It’s often helpful to make a new email address, specifically for your job applications.
- Location – Share your town or city; there’s no need for a full address.
- LinkedIn profile or portfolio URL – Make sure the information on them is coherent with your CV, and that they’re up-to-date
Quick tip: Delete excessive details, such as your date of birth or marital status. Recruiters don’t need to know this much about you, so it’s best to save the space for your other CV sections.
Credit Analyst CV Profile
Recruiters read through countless applications every day.
If they don’t find what they’re looking for quickly, they’ll simply move onto the next one.
That’s what makes your CV profile (or personal statement, if you’re an entry-level/graduate candidate) so important.
This short and snappy summary sits at the top of your CV, and should give a high-level overview of why you’re a good match for the job.
This way, you can ensure that busy recruiters see your suitability from the outset, and so, feel your CV is worth their time.
CV profile writing tips:
- Make it short and sharp: Recruiters are busy, so to ensure your profile is actually read, it’s best to keep it short and snappy. 3-5 punchy lines makes for the perfect profile.
- Tailor it: Not tailoring your profile (and the rest of your CV) to the role you’re applying for, is the worst CV mistake you could make. Before setting pen to paper, look over the job ad and make a note of the skills and experience required. Then, incorporate your findings throughout.
- Don’t add an objective: Want to talk about your career goals and objectives? While the profile may seem like a good space to do so, they’re actually much better suited to your cover letter.
- Avoid generic phrases: Cheesy clichès and generic phrases won’t impress recruiters, who read the same statements several times per day. Impress them with your skill-set, experience and accomplishments instead!
Example CV profile for Credit Analyst
What to include in your Credit Analyst CV profile?
- Summary of experience: Demonstrate your suitability for your target jobs by giving a high level summary of your previous work work experience, including the industries you have worked in, types of employer, and the type of roles you have previous experience of.
- Relevant skills: Employers need to know what skills you can bring to their organisation, and ideally they want to see skills that match their job vacancy. So, research your target roles thoroughly and add the most important Credit Analyst skills to your profile.
- Vital qualifications: If you have any qualifications which are highly relevant to Credit Analyst jobs, then highlight them in your profile so that employers do not miss them.
Quick tip: If you are finding it difficult to write an attention-grabbing CV profile, choose from hundreds of pre-written profiles across all industries, and add one to your CV with one click in our quick-and-easy CV Builder. All profiles are written by recruitment experts and easily tailored to suit your unique skillset.
Core skills section
Underneath your profile, write a core skills section to make your most relevant skills jump off the page at readers.
It should be made up of 2-3 columns of bullet points of your relevant skills.
Before you do this, look over the job description and make a list of any specific skills, specialisms or knowledge required.
Then, make sure to use your findings in your list. This will paint you as the perfect match for the role.
Vital skills for your Credit Analyst CV
Credit Risk Analysis – assessing the probability that a customer will default on a payment before they are provided with credit.
Syndicated Lending – providing lines of credit that incorporate a group of lenders (called a syndicate) who work together to provide funds for a single borrower.
Interest Rate Negotiations – working with clients to agree an appropriate interest rate for their line of credit.
Regulatory Requirements – ensuring all credit applications meet the UK regulatory requirements.
Financial Forecasting – estimating the financial projections of a company or project to facilitate decision making and determine future performance.
Quick tip: Our quick-and-easy CV Builder has thousands of in-demand skills for all industries and professions, that can be added to your CV in seconds – This will save you time and ensure you get noticed by recruiters.
Your work experience section
Recruiters will be itching to know more about your relevant experience by now.
Kick-start this section with your most recent (or current) position, and work your way backwards through your history.
You can include voluntary and freelance work, too – as long as you’re honest about the nature of the work.
Structuring each role
If you don’t pay attention to the structure of your career history section, it could quickly become bulky and overwhelming.
Get in recruiters’ good books by creating a pleasant reading experience, using the 3-step structure below:
Outline
Begin with a summary of your role, detailing what the purpose of your job was, who you reported to and what size of team you were part of (or led).
Key responsibilities
Using easy-to-read bullet points, note down your day-to-day responsibilities in the role.
Make sure to showcase how you used your hard sector skills and knowledge.
Key achievements
Lastly, add impact by highlight 1-3 key achievements that you made within the role.
Struggling to think of an achievement? If it had a positive impact on your company, it counts.
For example, you might increased company profits, improved processes, or something simpler, such as going above and beyond to solve a customer’s problem.
Sample job description for Credit Analyst CV
Outline
Responsible for developing and embedding credit policies across the customer lifecycle, for a 325-year-old bank that moves, lends, invests, and protects global clients’ money.
Key Responsibilities
- Examine credit data to determine the degree of risk involved in money to lending clients.
- Perform thorough analysis of P&L statements and credit requests, including refinancing annual due diligence to recommend credit risk, payment plans, and underwriting strategies.
- Develop spreadsheets/statistical models to support the assessment of credit applications.
- Prepare and submit debt recapitalisation and guarantor analysis for approval to appropriate credit authorities.
Quick tip: Create impressive job descriptions easily in our quick-and-easy CV Builder by adding pre-written job phrases for every industry and career stage.
Education and qualifications section
Next up, you should list your education and qualifications.
This can include your formal qualifications (a degree, A-Levels and GCSEs), as well as sector-specific Credit Analyst qualifications and/or training.
While school leavers and recent grads should include a lot of detail here to make up for the lack of work experience, experienced candidates may benefit from a shorter education section, as your work experience section will be more important to recruiters.
Hobbies and interests
This section is entirely optional, so you’ll have to use your own judgement to figure out if it’s worth including.
If your hobbies and interests could make you appear more suitable for your dream job, then they are definitely worth adding.
Interests which are related to the industry, or hobbies like sports teams or volunteering, which display valuable transferable skills might be worth including.
Writing your Credit Analyst CV
Once you’ve written your Credit Analyst CV, you should proofread it several times to ensure that there are no typos or grammatical errors.
With a tailored punchy profile that showcases your relevant experience and skills, paired with well-structured role descriptions, you’ll be able to impress employers and land interviews.
Good luck with your next job application!