Megan Thompson

• Phone: +1 416 555 0123
• Email: megan.thompson@email.com
• Location: Toronto, Canada
• LinkedIn: megan-thompson-credit

Summary

Four years of experience as a Credit Analyst, adept at evaluating complex financial data and mitigating credit risk for commercial and corporate clients. Proven ability to conduct thorough financial statement analysis, develop robust credit proposals, and ensure compliance with lending policies, contributing to a 15% reduction in non-performing loans within a portfolio.

Skilled in performing comprehensive due diligence and constructing detailed cash flow projections to support lending decisions for transactions up to $50 million. Successfully managed a diversified portfolio across various industries, consistently maintaining strong client relationships and achieving positive audit outcomes.

Experience

Senior Credit Analyst, RBC Royal Bank -- Toronto, Canada

Mar 2022 – present

• Led credit analysis for complex corporate clients, evaluating financial health, industry trends, and market conditions to support lending decisions up to $50 million.

• Developed and presented detailed credit proposals to senior management, resulting in approval rates above 90% for new and renewed credit facilities.

• Managed a portfolio of 30+ corporate accounts, monitoring ongoing financial performance and adherence to credit covenants, achieving a 10% improvement in portfolio credit quality.

• Mentored junior analysts on financial modeling techniques and risk assessment methodologies, enhancing team efficiency and accuracy.

• Implemented new analytical tools to streamline data processing, reducing report generation time by 20%.

Credit Analyst, TD Bank Group -- Toronto, Canada

Jan 2020 – Feb 2022

• Conducted comprehensive financial statement analysis and cash flow projections for commercial clients, assessing creditworthiness and repayment capacity.

• Prepared credit risk reports and recommendations for loan officers, supporting decisions on lines of credit, term loans, and mortgages.

• Assisted in structuring credit facilities, ensuring alignment with bank policies and regulatory requirements.

• Performed regular portfolio reviews to identify potential risks and recommend proactive mitigation strategies, contributing to a 5% reduction in default rates.

• Collaborated with relationship managers to gather necessary financial documentation and client information for credit applications.

Education

University of Toronto, Bachelor of Commerce (B.Com.) in Finance -- Toronto, Canada

Sept 2016 – Dec 2019

Skills

Credit Analysis & Risk Management: Financial Statement Analysis, Cash Flow Modeling, Credit Underwriting, Risk Assessment, Portfolio Management, Covenant Analysis, Loan Review, Due Diligence, Regulatory Compliance

Financial Modeling & Valuation: Excel, Financial Forecasting, Ratio Analysis, Sensitivity Analysis, Discounted Cash Flow (DCF), Valuation Methodologies

Software & Tools: Bloomberg Terminal, Refinitiv Eikon, Microsoft Excel (Advanced), PowerPoint, Word, Credit Risk Management Systems

Industry Knowledge: Commercial Lending, Corporate Finance, Banking Regulations, Economic Analysis, Market Research