Credit Risk Analyst CV Guide + Tips + Example

Dayle Kavonic
By Dayle Kavonic, Career Advice Expert
Last Updated: October 20, 2023
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Beating out other applicants to secure a position at a top financial institution can be challenging. So, you need a CV that will successfully set you apart from the competition. But how do you go about crafting such a document? We’re here to show you. Use this guide to create an impressive CV for a credit risk analyst job that highlights your top skills and achievements to land an interview at your target firm.

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Sample CV for a credit risk analyst (text version)

Todd Anderson

Hartford, CN 06101
555 555 5555
(555) 555-5555

Summary Statement

Professional credit risk analyst with over 10 years of experience at lending institutions and banks. Proficient knowledge in assessing the creditworthiness of personal and commercial clients. Strong analytical skills, but also able to build strong relationships with clients. Always learning and taking advantage of educational opportunities to keep current in legal and compliance issues.

Core Qualifications

  • Credit analysis
  • Financial statement evaluation
  • Risk assessment
  • Credit scoring models
  • Data analysis
  • Regulatory compliance
  • Portfolio monitoring
  • Financial reporting
  • Problem-solving
  • Communication


  • University of Connecticut Storrs, CT
    Master of Science Financial Risk Management
  • University of Connecticut Storrs, CT
    BBA Finance

Work Experience

November 2019 – Current
Liberty Mutual – Hartford, CT
Senior Credit Risk Analyst

  • Supervise a team of 10 credit risk analysts and coordinate between them and management.
  • Analyze financial data, such as market share and income growth, to determine expected loan profitability.
  • Negotiate credit disputes with loan office personnel.
  • Developed a marketing strategy to reach more retail banking clients, resulting in a new loan origination of $150 million per year.

September 2013 – October 2019
Lincoln Financial Group – Hartford, CT
Credit Risk Analyst

  • Consulted with clients to verify credit and financial transactions.
  • Recommended payment plans based on payment history, earnings, purchase activity and savings data.
  • Maintained service level agreements by managing an average of 10 loans per day.
  • Received employee of the year award due to my outstanding competence and attention to detail.

June 2012 – August 2013
U.S. Bank – Hartford, CT
Associate Credit Analyst

  • Oversaw preparation and review of quarterly and fiscal-year reports.
  • Analyzed ratings migration to identify risk at the sector level.
  • Performed regular reviews of 12 client accounts.
  • Tested and executed analytical software upgrades to help improve performance levels.

Professional Affiliations and Memberships

  • National Association of Credit Management (NACM) – (2023)
  • Risk Management Association (RMA) – (2022)
  • Institute of Auditors (IIA) – (2021)
  • Global Associations of Risk Professionals – (2019)
  • America Bankers Association – (2017)

Certifications and Licenses

  • Chartered Financial Analyst (CFA) – (2023)
  • Certified Credit Analyst (CCA) – (2021)
  • Credit (Risk) Certification (CRC) – (2019)
  • Certification in Risk Management Assurance (CRMA) – (2017)

Profession Relevant Skills

  • Skilled in various analytical and financial analysis software, such as SAS, Fair Isaac Capstone Decision Manager and Experian Credinomics.
  • Excellent ability to work with teams across a variety of departments.
  • Strong leadership and management skills.
  • Excellent negotiation skills.
  • Ability to solve problems both qualitatively and quantitatively.
  • Effective at organization and multitasking duties.
  • Able to make quick and effective judgment calls by using analytical tools and critical thinking skills.
  • Outstanding written and oral communication skills and exceptional customer service abilities.

Hobbies and Interests

During my downtime, I enjoy running, and I travel a few times a year to run marathons in different areas of the world. I am passionate about helping those who are less fortunate and am involved with several charity groups in my community. I also conduct free seminars throughout the year to help the less fortunate build their credit.

5 essentials of a top credit risk analyst CV

  1. Contact details

    Without contact information, hiring managers cannot invite you for an interview. Create a section at the top of your CV for your contact details and display them as follows: Your full name, then your city, state and ZIP code, followed by your phone number and professional email address. If you have a LinkedIn profile, add this as well.

  2. Personal statement

    A personal statement, which is also called a professional summary, is your chance to shine in a few short sentences. It’s where you introduce yourself to the hiring manager and pitch your best technical and soft skills, as well as your relevant work experience. Your CV summary should also include one or two of your most notable professional accomplishments to grab the hiring manager’s attention. If your work experience is limited, consider using an objective statement instead.

  3. Skills

    Hiring managers want to know if your skills match their needs. Show them you have what it takes to thrive in a credit risk analyst role by creating a separate section and using bullet points to display your top hard and soft skills — from proficiency in financial analysis software to strong problem-solving competencies — as demonstrated by our sample CV for a credit risk analyst. 

  4. Work history

    Your credit risk analyst CV must have a detailed employment history section, even if you don’t have much work experience in the field. List current and previous employers in reverse-chronological order and provide company names, locations and the dates you worked for each. Add three bullet points of quantifiable achievements for every job you include. If you don’t have an extensive employment history, list internships, volunteer work and extracurricular activities  — anything that shows you have relevant experience.

  5. Education

    Add all the educational institutions you’ve attended after high school in an education section in your credit risk analyst CV. Use bullet points for each school and display the name of the degree, the school name and the year you graduated, unless it was more than 10 years ago.

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Do’s and don’ts for building a credit risk analyst CV

  • Use measurable achievements to describe your credit risk analyst skills and experience.
  • Use action words to add impact to your credit risk analyst CV.
  • Tailor your CV to your target credit risk analyst job.
  • Use keywords from the job description throughout your credit risk analyst CV.
  • Format your credit risk analyst CV so that it is easy to read by ATS software and human eyes.
  • Lie about your credit risk analyst experience and skills.
  • Boast about your “unparalleled” expertise in the area of credit risk management.
  • Include irrelevant personal information, such as your ethnicity and age.
  • Add skills and experience that aren’t relevant to the field of credit risk analysis.
  • Forget to proofread. A credit risk analyst CV with errors is unprofessional.

Top 4 tips for acing a credit risk analyst interview

  1. Learn about the business before your interview.

    It’s important to learn about the financial institution’s history, goals, values and people before the interview. It shows genuine interest, dedication and commitment — traits that hiring managers look for in top job candidates. Plus, getting a glimpse of the work culture before you’re interviewed will give you an idea of what to expect on arrival so that you can feel more confident.

  2. Practice.

    A little practice now will go a long way during your interview. To practice for your interview, start by reviewing the most common interview questions, such as: 

    It’s also worth giving some thought to behavioral interview questions, like:

    • Give me an example of an important goal which you had set in the past and tell me about your success in reaching it.
    • Tell me about a time when you had to make a decision, but didn’t have all the information needed.

    Ask a friend or family member to interview you so you can get comfortable with the questions and imprint the answers in your mind. Ask them for feedback on your performance and answers, and write down any suggestions that resonate with you. You’ll feel confident and ready when it’s time for the real thing. 

  3. Ask questions.

    Your interviewer will ask if you have any questions at the end of your session. You should always have at least three questions ready to ask them. Job candidates who don’t ask questions are less likely to get hired because hiring managers assume they aren’t interested in the role or haven’t put much thought into it. 

    Some questions you might ask for a credit risk analyst job are: 

    • How does the credit risk team interact with other departments within the company?
    • What is the firm’s approach to managing credit risk, and what are they key challenges you face in this area?
    • How does the company stay up to date with changes in regulations and industry best practices related to credit risk management?
  4. Have references ready.

    Having professional references ready before your interview will prepare you in case the hiring manager decides to move forward. Create a list of two former colleagues and a former manager who would be willing to speak about your credit risk management skills and who you know will give you a stellar review. It’s even better if they’re open to writing a letter of recommendation for you.

    If you are applying for your first full-time paid job as a credit risk analyst, it’s acceptable to get contacts from a former professor, internship manager, classmate or community leader who will provide positive feedback about your ability to perform in the position.

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