Hafsa Hassan
Calgary,Canada
Summary
Highly skilled Credit Analyst with extensive experience in assessing creditworthiness, analyzing financial data, and mitigating risks. Seeking to leverage strong analytical abilities and industry knowledge to contribute to the success of a reputable financial institution.
Overview
6
6
years of professional experience
1
1
Certificate
Work History
Credit Risk Analyst
Cenovus
Calgary, Alberta
09.2020 - Current
- Conducted detailed credit analyses of individual and corporate clients to assess creditworthiness and determine appropriate credit limits
- Analyzed financial statements, cash flow projections, and other relevant data to evaluate risk factors and identify potential issues
- Prepared credit risk assessment reports and presented findings to senior management for decision-making purposes
- Monitored existing credit facilities and performed periodic reviews to ensure compliance with credit policies and guidelines
- Developed models for assessing current and prospective customer creditworthiness.
- Participated in credit committee meetings to discuss credit proposals, provide insights, and make recommendations
- Developed and maintained strong relationships with clients and internal stakeholders to facilitate effective communication and resolution of credit-related issues.
- Analyzed historical credit trends to identify areas of risk exposure.
- Conducted financial analysis of potential credit risks using quantitative and qualitative data.
Senior Credit Analyst
Robert Half
Vancouver, BC
03.2018 - 09.2020
- Reviewed and analyzed financial statements to assess creditworthiness of potential customers.
- Identified and monitored risks associated with customer accounts.
- Developed credit policies and procedures for loan origination, underwriting, servicing, and collections processes.
- Performed reviews of existing customer accounts to identify any changes in risk profile or payment trends.
- Negotiated terms with customers to ensure that the bank's interests were protected while still providing a competitive product offering.
- Maintained relationships with internal departments such as sales teams, legal advisors, operations personnel and external organizations such as vendors or auditors.
Education
Bachelor of Business Administration and Management -
Calgary University
Calgary, AB01.2014
Skills
- Proficient in financial analysis and risk assessment
- Strong understanding of credit scoring models and credit policies
- Excellent knowledge of accounting principles and financial statement analysis
- Ability to interpret complex financial data and trends
- Skilled in conducting industry research and market analysis
- Proficient in using financial software and tools such as Excel, Bloomberg, and Moody's Analytics
- Excellent communication and interpersonal skills
- Detail-oriented with a focus on accuracy and efficiency
- Underwriting
- Credit Decision Making
- Market Trend Analysis
Certification
Certified Credit Analyst & Commercial Banking (CCA) & CBCA, CFI institute, 2018
Languages
English
Native/ Bilingual
French
Professional
Arabic
Native/ Bilingual
Timeline
Credit Risk Analyst
Cenovus
09.2020 - Current
Senior Credit Analyst
Robert Half
03.2018 - 09.2020
Bachelor of Business Administration and Management -
Calgary University
References
Available upon request.
References
Available upon request.
References
Available upon request.
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