You know the drill by now. Read this resume and write your comments at the bottom.

“I am looking for a job either in a credit rating agency or in an investment banking. Could you please provide the necessary feedback that could help me get my dream job.”

UNIQUE SELLING PROPOSITION

• Team player with strength in taking initiative and identifying and solving problems;
• Analyzing different types of Financial Statements

KEYWORD COMPETENCIES

Problem-Solving/Decision Making, Leadership, Oral/Written Communication, Analytical Skills, Customer Orientation, Flexible, Team-Building, Performance Improvement, Quick Learner, Self-motivated, Results oriented, Enthusiastic, Energetic, Proactive, MS Excel, MS PowerPoint, MS Word, Time Management, Typing Speed, B.Com(H), Software Testing, Financial Skills, Knowledge in US GAAP, Types of Financial Statements, Loan Agreements, Covenants, Risk Rating

EMPLOYMENT SCAN

Major international bank, Sydney [no dates provided on CV]
Sr. Team Member
Working for Credit and Risk Administration of the department; analyzing Financial Statements of Corporate (some Fortune 500 companies). In addition to perform all the responsibilities of a Team Member:
• Prepare SOP’s;
• Hold calls with the clients;
• Prepare Leadership deck;
• Manage and Lead team;
• Mentor team on new updates;
• Train new members in the team;
• Apply Lean tools for process improvements;

The same major international bank, Sydney [no dates provided on CV]
Team Member

• Analyze/Spread client’s Financial Statements (Balance Sheet, Income Statement & Cash Flow) and translating financials from GAAP going concern basis to a recovery state - 10K, 10Q, Audit (Un)Qualified, Reviewed, Compiled, Co-Prepared, Tax Return, Personal Financial Statements, including Notes to Financial Statements;
• Generate Risk Rating Report – using Moody’s RiskCalc Model;
• Read Loan Agreements and various Amendments for relevant information;
• Calculate and Test Covenants – Re-Pricing, Debt Service Coverage Ratio, Fixed Charge Coverage Ratio, Interest Coverage Ratio, Tangible Net Worth, Profitability;
• Conduct Paid in full checks for former customers;
• Send the consolidated report to the respective Relationship Managers for underwriting purposes;
• Industries served: Dealer, hospitals, NPO, automotive, real estate, CPA firms, service industry, insurance, banking, etc;
• Gained insight into credit appraisal/sanction, business/industry analysis and credit worthiness;

Large financial information company, major Asian financial centre [no dates provided on CV]
Research Associate
Project related to Municipal New Issue System
• Write and Execute Test Cases;
• Write User Manual;
• Identify and Report Bugs;
• Communicate with Clients - telephonic as well as electronic;
• Manage and supervise work of team mates and sending the final version to clients;
• Gained knowledge in Floaters, Auctions and Commercial Papers;

ACHIEVEMENTS & RESULTS

• Saved time for the clients by processing Non Rush deals as Rush;
• Delighted clients on various occasions;
• Applied innovative thinking resulting in process improvements;
• Lead 4-member team on different projects;
• Checked for quality improvements for the team and provided feedback, thereby increasing team’s accuracy levels;
• Assisted team leads in MIS reporting and published it to the onsite;
• Organized and held various events within GCIB;
• Awarded for successfully organizing and hosting “Confluence” Carnival;
• Reversed an adversarial situation with the project by providing a confident close working relationship;
• Successfully accomplished "unattainable" task permitting the on time completion of a project