As a driven DCU graduate with a solid background in finance, shown by high marks in classes like Corporate Finance and Portfolio Theory, I'm ready to start my career in finance and investment banking. I've gained hands-on experience using Refinitiv Eikon for projects and my thesis and built up my Excel skills for financial analysis through Udemy courses. These abilities, along with my passion for finance, make me well-suited to contribute to your company. I'm dedicated to using my thorough education and enthusiasm to succeed in this fast-paced field.

Tailor above summary according to below job description and i have done msc in finance only add those skills which i will gain through that…do not add what i do not have …keep it short but attractive.........As well as make it ATS friendly that it can pass through. 

Credit Analyst- LeasePlan 

About the job
Location: Leopardstown, Dublin 18


Job Title: Credit Analyst


Job Purpose:


Credit Risk Analyst is responsible for analysing credit data and financial statements to evaluate the risks associated with the counterparty’s (client and prospects) creditworthiness. You will use a variety of analytical techniques to evaluate the risks associated with lending to consumers and corporate clients in order to evaluate business risks. You are also responsible for preparing reports consolidating information for use in decision-making and making credit decisions within the defined levels of authority, including when needed to Management Team locally.
They are the direct contact with relationship managers (sales team), which is also a part of the 1st line of defence, to complete the first rating checks and explain the different credit decisions so that the relationship managers are better prepared for challenging conversations with clients, if needed.
Being a part of the first line of defence implies that they are actively responsible for the risk assessment and credit decision of clients within the attributed delegation. 


Key collaboration partners:


Internal
•	Collaborates with LoD 2 Credit function and Risk and Compliance Manager at local level and central/regional LoD 1 teams. 
•	Collaborates with Local Compliance Officer.
•	Collaborates with Group partners including Société Générale Group RISQ experts and supervisors.


External
In the area of credit risks for the external auditor and regulatory authorities (where applicable). 


Key Accountabilities:


The main responsibility of the Credit Analyst is the execution of the necessary risk assessment appropriate to each customer and credit application type.
This includes evaluation of financial data, such as balance sheets and income statements to determine the level of default risk, including the calculation of financial ratios, interpreting results from decision-making and the preparation of a report to register the required audit trail.


For credit origination, you will perform the credit analysis, which includes KYC/CDD (Know Your Customer) elements and the update of rating or scoring and issue a credit opinion. You are also responsible for registering new customers in a risk system following the registration done by sales, if needed.
If the credit application is within their derogation rights, as defined in the delegation letter, you will make the credit decision and proceed to credit authorization. If not, they will be responsible for preparing the credit file to be shared with the second line of defence for validation.
For credit review, you are responsible for regular rating / scoring update.


Knowledge, Skills & Experience:


Required expertise:
•	Relevant University degree (Bachelor/Masters level) e.g. in Finance, Accounting, Business Administration. Candidates with higher education on Credit risks topics, combined with adequate knowledge of the financial sector will also be considered.
•	Minimum 1/2 year experience as Credit Analyst.
•	Knowledge about Credit risks including a very good understanding of current requirements in Credit origination.
•	Strong financial analysis and accounting capabilities.


Soft skills:
•	Regularly communicate information that is timely, relevant, and tailored to each audience. This includes being transparent about both positive and negative developments.
•	Ability to manage diverse work and overlapping priorities.
•	An open mind-set and willingness to learn.
•	Excellent analytical skills, critical thinking, and the ability to identify problems and propose solutions.
•	Process and detail orientation.
•	Team player.
•	Delivering results.


Key Performance Indicators / Measures:
•	Pending Credit Approvals
•	Rating from Quality Assessment 
•	Result of Controls performed on Credit files.

Skills
•	Analytical Skills
•	Communication
•	Computer Literacy
•	Financial Services
•	High Level Of Accuracy
•	Interpersonal Skills
•	Credit Reports
•	Customer Due Diligence (CDD)
•	Interpersonal Communication
•	Quick Turnaround