Created by CakeResumeIn this article, we’ll cover: What Is a Letter of Employment?What to Include in a Letter of EmploymentLetter of Employment SampleEmployment Verification Letter TemplateTips for Writing a Letter of EmploymentLetters of employment go by many names, such as job verification letters or proof of income letters. You need to get familiar with the terms in case you are ever required to request one or write one. The reason why employment verification letters have so many names is that they have several purposes. Sometimes, landlords will ask you for one as part of the screening process to rent you a place. Another instance in which you might need a letter as proof of employment is when you apply for a mortgage or a new job position. Before going any further, let us start by giving a precise definition. What Is a Letter of Employment?An employment letter is a formal document that verifies one’s status as an active or former employee of an organization. Usually, job confirmation letters also include verification of the employee’s title, salary, and contact information, among other relevant details.What it is used for: An income verification letter is proof that a person is an actual employee or former employee of an organization. It is a traditional requisite when applying for a loan, mortgage, and even a new job.Who needs it: Companies, landlords, and financial institutions require a work verification letter to double-check that a candidate is truthful in their application.Who writes it: Depending on the company, an employee or former employee can request a certification letter from their direct supervisor or the human resources department. What to Include in a Letter of EmploymentAlthough there is no universal employment letter format that fits every application, you should still get familiar with the most common elements that need to be in an employment letter. ❗️Employer information The following items are the base upon which you can start building your document (or request whoever is writing it to include them). Let us start with relevant company information to include in your employment verification form: Verifier’s name: When an employee presents a verification letter, it must include the full name of the person verifying the document. If possible, add a job title.Company name: It might sound obvious, but ensure to include the full name rather than an acronym when creating a proof of employment.Address: Write the company’s address under the company name.City, state, ZIP code: The more detailed a verification of employment form is, the better. Add all relevant information to increase its reliability. ❗️Employee information Aside from the employer’s information, a standard certificate of employment letter includes the following details about an employee: Employment start date: A staple of any employee verification format. Ensure the employee is aware of the correct date so they can align it with any additional documentation they provide to the party that requested the letter.Employee name: Avoid using any nickname. Double-check with the employee if their name is correct to avoid any confusion.Job title: Remember to mention the position the employee covered in the certification letter. If it was more than one, add the dates on which they handled each job.Salary: Do not forget to check if the party that requested proof of income letter needs detailed information such as the periodicity of payment or working hours per week. Avoid providing too many details - unless it is necessary.Annual bonus amount: When money matters, providing proof of additional income in a work letter can make a difference.Employment end date (if necessary): If you are getting a working letter from a company you used to work for, check you include an employment end date. ❗️Additional information Other than the common items of a service letter format, there are a few additional pieces of proof that might be useful for some applications. These are not necessary but can improve the appeal of a letter to certify employment: Paystubs: A physical or digital record of the payment an employee receives. It helps to substantiate proof of income letter.Tax returns (1040): US taxpayers can use this form to back their income verification letter.Wage and tax statements (W-2): Unlike a 1040 form, a W-2 is a document filed by employers to report employees' annual wages and withheld taxes. It is a highly trustable document that a company can attach to enhance the appeal of a job confirmation letter.Social security proof of income/Benefits Verification Letter: It works as a proof of income letter for those who retired or have a disability. It can also prove you receive a supplemental security income.A Workers’ compensation letter: It works to show that an employee is covered in case of any injury that happens at work. It provides proof of assistance such as medical bills, wages, and additional payments that support proof of income letter.Bank statements: It is a quintessential way to prove one’s income. It shows a summary of the transactions of an account during a month and works as the perfect companion to an income verification letter.Letter of Employment SampleHow to write an employment letter? Well, there’s no better way of leading than by providing some examples of letters of employment. Read the different samples to understand better the relevant content you can include when writing a job confirmation letter. Let us start with a basic employment letter sample. In this scenario, we are confirming that the person works at our company and providing some additional information: Lincoln JohnsonHR ManagerSHLD Inc.500 South Buena Vista StreetBurbank, CA, 91501 09/15/2022 SeAg Ltd.2100 Riverside DrBurbank, CA, 91501 To whom it may concern, This letter intends to verify that Daisy Lincoln is currently part of our team. She has been working for SHLD Inc. as an Event Manager since February 15th, 2018. Ms. Lincoln's salary is $60,000 per year. Find attached a W-2 form as proof of her income. If you want to discuss further details, contact me at 123-654-0897. You can also send me an email at [email protected] if you prefer. Best,Lincoln Johnson In this employment verification letter sample, the letter intends to verify a former employee: Lincoln JohnsonHR ManagerSHLD Inc.500 South Buena Vista StreetBurbank, CA, 91501 09/15/2022 Nick PhillipsHiring AssistantSeAg Ltd.2100 Riverside DrBurbank, CA, 91501 Dear Mr. Phillips, I am writing you to verify that Daisy Lincoln was part of our team at SHLD Inc. for four years. She joined on August 1st, 2018, and worked with us until August 15th, 2022. During her time with us, she excelled as an Event manager and earned an annual salary of $60,000. Please contact me at 123-654-0897 if you want to discuss anything else. You can also send me an email at [email protected] if it works better for you. Best,Lincoln Johnson Employment Verification Letter TemplateAfter reading the employment letter samples, you probably noticed that writing one is not overly complicated. Just make sure to cover any specific request in terms of additional information. You can use the following template for a letter of employment to make sure you do not forget any relevant details when writing a job verification letter:[Your full name][Your title][Address][City, State, Zip code][Phone number] [Date] [The recipient’s full name][The recipient’s title][The recipient’s company’s name][Address][City, State, Zip code] Dear Mr./Ms./Mrs. [the recipient’s last name], The purpose of this document is to verify that [the employee’s full name] has been an active part of our company. [He/She] has been at [company’s name] since [onboarding date]. He/She earned a salary of [amount of money] on a yearly/monthly/per hour basis. Do contact me if you need any additional information. Feel free to reach me at [your phone number] or [your email address]. Cordially,[Your full name] Tips for Writing a Letter of EmploymentFollow these tips to enhance your employment verification letters. Remember, an employment verification form is a very influential document that can help an employee (or former employee) obtain a significant achievement. Do your best to make it as professional as possible. ✅ Follow the standard business letter format. Given the formal tone of an employment verification letter, it is best to follow the traditional style of business letters. Start with your contact information, the date, and the recipient’s information. Include a proper greeting, closing, and sign-off. Sometimes, the party that requested the job verification letter will ask for a handwritten signature at the end. If you are sending a digital document, you can scan it after signing it. ✅ Include the necessary information. Remember, aside from the standard items to cover in a work verification letter (the employee’s name, title, and job tenure), you may have to include some extra details. Take the time to confirm whether your employee needs you to share details about their salary, working hours, or any additional data in the employment letter - only include the additional information when requested! ✅ Provide your contact information. Do not forget to include your information at the top of the official letter of employment. You may also do a call to action on your closing statement to let the recipient know you are willing to answer any questions they might have. ✅ Keep it short. As evidenced by the examples we presented, work verification letters do not tend to be lengthy. Keep it concise and only add extra information if an employee asks. ✅ Use the official letterhead format. It is the cherry on top when writing a certificate of employment letter. An official letterhead format elevates the document, including the company’s logo and contact information. Consider these tips when writing a professional letter of employment and help impact your employees’ lives. 🔑 Key TakeawaysBy now, you should be more clear about what an employment letter is - a document that validates a person as a current or former employee of a company. Banks, other financial entities, and even companies require them to screen a candidate. Although there is no unique service letter format to follow, there are a few elements you should include in one. Start with your relevant information, such as name and title. Then, add all the standard employee information (job tenure, title, name, etc.). Sometimes, an employee needs proof of employment in form of a letter for specific reasons. They might ask you to input information such as their working hours, periodicity of payments, etc. Do listen to their requests and tweak the employment letter based on their needs. You may use a template to write a letter of employment. Try reading examples to learn how to edit the document and add a unique touch. Remember that job confirmation letters are formal documents. Follow a traditional business letter format. Keep your letter of employment concise, and include the necessary information and contact details. If possible, print the document using your company’s official letterhead format. Connect with over 8 million job seekers through Cake's AI-powered recruitment tools, including job posting, resume search, applicant tracking system (ATS), and employer branding solutions—streamlining hiring at all levels.Explore Solutions--- Originally written by Roger Rene Ortega Figueroa---

Credit analyst jobs are a great choice for entry-level professionals looking to start a career in finance. Compared to other financial fields, credit analysts have less competition. But don't worry; credit analysts also have a clear career path. Vault estimates that the job will grow by 5% from 2018 to 2028, according to the U.S. Department of Labor. The need for credit is likely to remain high for years to come. So why hesitate to start building your credit analyst resume? Another benefit of being a credit analyst is that it's a fairly stable career, especially if you're not in sales. In addition, credit analyst jobs offer work-life balance and normal working hours. However, some people may find this job boring and repetitive. Cake even has 10 credit analyst resume templates and examples, along with helpful tips. Read on! If you're looking for a guide in other finance resume templates and examples, we have a collection of resume writing guide for you!Table of ContentsWhat Does A Credit Analyst Do: Understanding the Role of a Credit AnalystTypes of Credit AnalystsCredit Analyst Salary and Career PathGuidelines for Writing a Credit Analyst ResumeCrafting a Winning Credit Analyst Resume10 Credit Analyst Resume Templates and ExamplesCredit Analyst Cover Letter ExampleFAQsKey Takeaways What Does A Credit Analyst Do: Understanding the Role of a Credit AnalystAccording to Investopedia, credit analysis is part of financial risk analysis. In a financial lending institution, the credit analyst's work determines whether the customer's loan application is approved or denied. So, a credit analyst's work scope includes the following tasks: Collecting and analyzing all necessary documents related to the customer's financial statements used in the loan application.Tracking the payment history of previous loans, existing payment obligations, the amount of income, and a list of the customer's assets.Analyzed the client's trust tendencies using credit metrics.Make recommendations based on the results of the credit risk analysis and assessment.Made recommendations on decisions to extend credit terms, increase fees, or reduce - increase credit limits.Present the results of analysis and findings regarding the client's financial health in the form of recommendations to the manager.Adhere to and stay current with the company's lending operating standards and protocols.Participate in monitoring macroeconomic trends for changes in the financial situation, such as possible inflation or a significant increase in population demographics that can be applied in the latest credit policy.Types of Credit Analysts 1) Commercial Credit Analyst The first type is a commercial credit analyst or often referred to as a corporate credit analyst. Analysts in this field examine the eligibility of loan applications from corporations or companies rather than individuals. For example, Company A applies for a $10 billion loan from a bank to finance the production of a new product. The analyst will evaluate the company's history, business strength, management team, overall financial health, industry conditions, and the overall economy that could affect the loan repayment process. To get a complete picture, the analyst will also research competing businesses. This gives the credit analyst an idea of whether or not the business move will be profitable. 2) Bank Credit Analyst Bank credit analysts work for banks and insurance companies. Analysts act as advisors and make recommendations regarding decisions on individual and business loan applications. The evaluation process ranges from assessing credit history, analyzing financial statements, identifying credit risks, providing loan repayment plans, and generating client financial ratios. 3) Mortgage Credit Analyst This is probably the most sought-after credit analyst by borrowers. Mortgage lending provides loan schemes for the purchase of property or real estate. This program is very popular among the younger generation who find it difficult to buy a home with cash. A mortgage credit analyst collects credit information, total income, and tax payment amounts. The analyst then verifies the property value and collateral value. 4) Consumer Credit Analyst Consumer credit analysts work at the individual level. Through the credit analysis process, analysts evaluate the debit and credit of individuals or households for personal and family purposes, such as student loans and auto loans. Credit analysts review credit reports and information to determine risk levels and credit limits. 5) Sovereign Credit Analyst This last type works on a different level than other analysts. Sovereign credit analysts work in the decision-making process of issuing debt between countries. A sovereign credit analyst will examine macro and micro economic conditions, and social and political stability to see the strength of a country to repay the loan.Credit Analyst Salary and Career Path The following data from Franklin University shows the distribution of credit analysts, particularly in the United States. Depository Credit Intermediation: 40.3%Nondepository credit intermediation: 16.5%Corporate and business management: 12.5%Activities related to credit intermediation: 7.5%Other financial investment activities: 4%Intermediation and brokerage of securities and commodity contracts: 3.3%Other activities: 15.9% According to the Bureau of Labor Statistics (BLS), the average credit analyst earns between $44,250 and $146,690, with an average annual salary of $86,170. If you're looking to earn an above-average income, central banks, securities, commodities, financial investment companies, insurance, transportation, and business support firms are top-paying industries. For those who enjoy working with credit risk and credit analysis, this profession offer the following path: Junior credit analystSenior credit analystCredit managerRelationship managerRisk managementGuidelines for Writing a Credit Analyst Resume Understanding credit analysis is a good step before writing a credit analyst resume. The second thing you need to do is learn the important sections of a credit analyst resume. If we go into detail, there are specific tricks to writing the seven sections of a credit analyst resume that will get you contacted by hiring managers. Let's go through them one by one! Personal Information What is the first thing that makes you stand out from other candidates? That's why personal information is always at the top of any application (both resume and cover letter). Personal information includes identifying details about who you are as a professional. For security reasons, not all personal information can be included in this section. Name: Include your full name to make it easier for the recruiter to reference. If you have two versions of your name, it's okay to include both.Email address: Email is the most formal communication tool for any job. Email provides a perfect record of your entire conversation with the hiring manager. Don't forget to link to it so recruiters can easily contact you.Phone Number: Include a cell phone number that is linked to a messaging app.Your City: Include the name of the city where you currently live. This information is useful for measuring the distance between your home and the office and for possible relocation, if necessary.LinkedIn account: LinkedIn has become a platform for professionals to brand themselves. Make sure the information listed on your LinkedIn account summarizes all of your professional activities. What not to include on your resume: Do not include your religious beliefs, political preferences, gender, sexual orientation, or any information that could create bias.Please do not include your full home address, ID card, insurance card, savings card, etc. This is to prevent data leakage. Resume Summary This is an unpleasant fact that everyone should know: recruiters may not read your credit analyst resume, or at best, they will take a few seconds.One hiring manager on LinkedIn even offers an explanation. He tends to focus only on finding the most recent position. In this context, hiring managers want to see if you have had a credit analyst role before. That's why resume summaries are so important. This section summarizes important information about your credit analyst position, your accomplishments, and your skills.Resume summary example #1Credit Analyst for Corporate Banking with key expertise in credit scoring that resulted in a 70% reduction in potential losses. Proven track record in SWOT analysis, risk management, R, credit scoring models, and spreadsheet software.Resume summary example #2Consumer Credit Analyst in the automotive industry for 4 years. Generated a 25% increase in credit applications through a streamlined due diligence system. Strong communication skills, especially in determining financing rates, interest rates, and loan contract terms.Resume summary example #3Credit Risk Analyst with 6 years of experience in credit strategy development and effective risk management. High level of accuracy in analyzing market and industry trends used to develop credit policies. With qualified skills, ready to fill the position of Credit Analysis Manager at Wells Bank.Career Objectives Many fresh graduates find it difficult to distinguish between a resume summary and a career objective. In terms of placement, they are indeed the same. However, in terms of objectives, the resume summary is more commonly used by mid-level and senior credit analysts. Career objectives are mostly used by fresh graduates. The contents of a career objective are your recent educational history, skills, and future career goals. This is different from the resume summary, which focuses more on work experience.Career objective example #1Energetic and motivated student pursuing a Bachelor of Economics degree at Gadjah Mada University. With expertise in data analysis, aiming to apply knowledge in the field of Credit Analyst, Risk Management, Financial Modeling, and Risk Mitigation Strategies. Eager to join the credit analyst team as an intern at Well Bank and put knowledge into practice. Career objective example #2Junior Credit Analyst with one year of accounting experience. Expertise in building cash flow models to efficiently and effectively monitor credit and market performance. Seeking an opportunity to apply my experience and skills as a credit analyst with Wells Bank. 📚 Further reading: Personal Branding Essentials for Students (+ Real-World Examples Action Steps)Work ExperienceCredit analyst jobs are open to entry-level candidates. However, to increase their chances of being hired, job seekers need to strengthen their work experience section. If you have never worked at all, this section can be filled with volunteer activities, organizations, or even communities. What needs to be emphasized is that writing such information also requires tips to be easily read by the Applicant Tracking System (ATS) engine. Here are some things to keep in mind when filling in the work experience section of a credit analyst resume. 1) Quantify your accomplishments. Human resources departments (HRDs) struggle with setting key performance indicators (KPIs) for each employee. This means that they need to know the daily, weekly, and monthly work performed by employees. Hiring managers who are part of HRD and responsible for hiring new employees certainly understand this as well. Therefore, information about your job description will not make your credit analyst resume attractive. Instead, focus on your measurable accomplishments at your previous company. Using numbers, statistics, and percentages makes it easier for recruiters to imagine how much you contributed to the team. Here's an example: "Performed credit risk analysis on prospective clients' credit reports." Compare it to this statement: "Performed credit risk analysis on 20 prospect credit reports, resulting in a potential loss to the company of up to 15%." The second statement is more powerful because there is a scale and impact that you can imagine as you read it. Using numbers and statistics will give you an edge. 2) Use action verbs and bullet points. Recruiters are likely to be overwhelmed by the number of applications they receive in a single day. As a result, the readability of your credit analyst resume will decrease. To combat this, use action verbs and bullet points. Action verbs make your sentences more powerful and highlight your work contribution. Some action verbs you can use include: GuidedDrivenInitiated DiminishedAidedPromoted HandledControlledMonitored RaisedJoinedGathered MergedInvolvedHired SecuredIncorporatedImplemented While bullet points make your resume more organized, easier to read, and clearer. Bullet points also make you more concise and to the point.Work experience example #1Wells Bank | Mortgage Credit AnalystApr 2020 - Apr 2024Improved data accuracy to 90% by analyzing portfolio concentration across multiple factors, examining product mix, delinquency and loss trends, and optimizing profit within each product in the portfolio.Helped strengthen credit risk management by reviewing and evaluating the strategies of customer-facing and operational business units, successfully reducing potential losses by 70%.Successfully developed risk-based pricing and credit loss models using SAS, Python, and R.Implemented a risk-return trade-offs and predictability strategy that was 50% more effective than the previous strategy.FG Mortgage | Loan Officer AnalystApr 2018 - Dec 2019Monitored the progress of mortgage loan applications from inception to final settlement with a timeliness rate of 90%.Responded appropriately to customer inquiries regarding interest rates and underwriting terms, increasing customer satisfaction to 98%.Performed administrative tasks to support the needs of the production manager. SkillsTechnical and non-technical skills are equally important for a credit analyst. But according to the Corporate Finance Institute, these are the most important skills to have, especially for senior credit analysts! Quantitative and Analytical Skills There are many financial statements, financial data, credit reports, credit data and also credit limits that need to be reviewed every day through the credit analysis stage. This data is used to verify the eligibility of the prospective borrower. This is a critical stage because any mistake in reading the information can mean loss. A credit analyst must ensure regulatory compliance while identifying potential fraud, misinformation, and data discrepancies. The credit analysis must be completed by a certain deadline to ensure that the approved customer can disburse the funds immediately. This means that analytical and quantitative skills are required to support the work process in the credit analysis process. Due Diligence Not all customer credit applications are accepted by the company. Some customers have the potential to experience bad credit, which will ultimately harm the company. Due diligence is an effort to assess the factors used to determine the level of financial health of the borrower. A credit analyst can analyze historical credit reports to determine a customer's payment patterns, whether they have made late payments, whether they are delinquent or still delinquent, and other related information. Financial statements will also show the fixed amount of money received in a month, how much is spent, how much is saved, and other information about the customer's financial history. In addition to the individual level, credit analysts in large banks will also deal with businesses. Credit analyst jobs require diligence to ensure that no loan application is approved without going through a rigorous vetting process. Ability to use financial software Microsoft Excel is a common tool used in credit analysis. This software makes it easy to read statistics, create graphs and charts, and even financial models. The use of software is an attempt to make work more efficient and effective. In addition, the software minimizes data or calculation errors Education History If you're a student looking for an internship or even a recent graduate, education information is very important to hiring managers. However, for mid-level and senior credit analysts, this section is the umpteenth piece of information they will be looking for. Hiring managers need to match recent graduates' educational backgrounds with the needs of the credit analyst. If a recent graduate's degree does not match, the hiring manager can immediately place them in the "not qualified" category. That's why, in an entry-level credit analyst resume, educational information is listed under career objectives. Meanwhile, for candidates with work experience, the education section is at the bottom of the resume. Most companies require a degree in economics, finance, business, management, or statistics, although some may accept high school graduates.Education section example #1Bachelor of Science in Economics | Gadjah Mada UniversityJan 2021- Expected to graduate in April 2025Education section example #2Bachelor of Science in Management Accounting | Gadjah Mada UniversityJan 2018 - Jan 2023 | GPA: 3.8/4Education section example #3Master of Science in Accounting | National University of SingaporeMarch 2014 - March 2016 | Cum LaudeEducation section example #4Bachelor of Science in Management Accounting | Gadjah Mada UniversityJan 2010 - Jan 2014 | Summa Cum Laude Other Information Languages Skills English has become the most common means of communication in every company. With work-from-home and work-anywhere opportunities, borders between countries are becoming more fluid. From English, the need to master other languages is increasing. East Asia is one of the continents with rapid economic and industrial progress. Therefore, the existence of candidates who are proficient in languages such as Mandarin, Japanese, and Korean is increasingly needed.Language skills section exampleIndonesia (Native)English (IELTS: 8)France (Professional)Mandarin (Professional)Japanese (Intermediate) CertificationsYour resume will be more attractive to recruiters if it includes professional certifications from reputable institutions. These credentials show that your skills have been tested and are ready to be put to use. A credit analyst credential also increases your negotiating power when requesting a raise, bonus, or promotion. Certificate in Commercial Credit (CICC)Certified Credit Professionals (CCP)Commercial Credit Administration (CCA)Commercial Banking Credit Analyst (CBCA)Moody's Accounting for Credit Professionals (ACP)Moody's Profitability Credit Risk (PCR)Credit and Counterparty Risk Management (CCRM)Credit Business Associate (CBA)Credit Business Fellow (CBF)Certified International Credit Professional (CICP) Crafting a Winning Credit Analyst Resume1) Do in-depth research. In-depth research will help you obtain information that is not listed in the job posting. Subconsciously, the information you find during your research will also strengthen your credit analyst resume writing process. Other benefits of research include: An overview of the work you will be doing in the future.An estimate of the average salary that will be offered during the interview process.The work environment at the company you are applying to.The potential for promotion and clarity of career path.Information about benefits beyond salary.A list of people you will meet and work with frequently.The company's long- and short-term plans. 2) Know the difference between a CV and a resume. Some companies have a habit of using the terms CV and resume interchangeably. When companies ask applicants to send a CV, they really mean a resume. This practice is common in Southeast Asian countries and parts of Europe. A resume is a complete record of one's professional activities. It can include a history of volunteer work, organizations, projects, work experience, educational history, list of works, and more. It can be up to 10 pages long. Such extensive information is usually required for academic purposes. Scholarship-granting institutions always require applicants to submit a resume along with a letter of recommendation. The same is true if an applicant is applying as a teacher or researcher. A resume should be no longer than 3 pages. It should contain only information relevant to the position being applied for. A credit analyst should only include information that supports his or her skills as an analyst. For example, he or she does not need to include written work in this medium. 3) Use the correct resume format.Chronological Resume: This is the most appropriate format for a credit analyst resume. All information is listed in reverse chronological order, starting with the most recent job.Functional Resume: This format focuses on your skills rather than your work experience and is used by recent graduates who do not have much work experience.Combination Resume: A combination resume is used by job hoppers and freelancers with diverse work experience. It includes a long list of skills and evidence of work experience that supports those skills. 4) Tailor your resume to the role. Even if two companies are hiring for the same position, there is a chance that the requirements and qualifications will be different. This is where it is important to tailor your resume to the job opening. Look for keywords in the job description and requirements section. Then include these keywords in your summary, career objective, work experience, and cover letter. Here's an example:Job Description: Credit Analyst OfficerCreate oversee the analysis of financial statements, credit reports, and other relevant dataDevelop and maintain credit scoring models and risk assessment toolsApprove or recommend credit limits and terms for new and existing clientsMonitor and review credit exposures and identify potential risksDevelop, implement, and update credit policies and proceduresEnsure that all credit activities comply with company policies and regulatory requirements From the example above, you can find a number of keywords such as Credit exposures, risk assessment tools, credit analyst, financial statements, credit policies, credit limits, etc. Entering the right keywords will help you pass through the Applicant Tracking System (ATS), which is used to screen out resumes that do not meet the company's requirements. 5) Choose a credit analyst resume design. Layout is the right choice for a Credit Analyst resume. The simple design makes your resume easier to read. Here's how to make your resume look more professional Choose an official font such as Calibri, Time New Romans, Garamond, or Veranda. Use fonts consistently. Use two font sizes, 13 for the title section and 12 for the other sections. Avoid using colour except for bold black in some sections. Also, always use bullet points for the elaboration section for easy navigation. 10 Credit Analyst Resume Templates and ExamplesIntern Credit Analyst Resume Jane Doe Mobile: (+62)11-74-89977Email: [email protected]: Jakarta, IndonesiaLinkedin: linkedin.com/in/janedoe Energetic and motivated student pursuing a Bachelor of Economics degree at Gadjah Mada University. With expertise in data analysis, aiming to apply knowledge in the field of Credit Analyst, Risk Management, Financial Modeling, and Risk Mitigation Strategies. Eager to join the credit analyst team as an intern at Well Bank and put knowledge into practice. Education Bachelor of Science in EconomicsGadjah Mada UniversityJan 2021- Expected to graduate in April 2025 Relevant Coursework Data Visualization and Dashboards with Excel and Cognos - Coursera, 2023Data Analysis with Python - Coursera, 2023Excel Basics for Data Analysis - Coursera, 2022 Organizations Analytics and Data Science Organization (ADSO) Networking among students, faculty, and industry partners.Participate in scientific conference travel and other professional events.Established a support system for members to assist with academic needs. Community Community College Daily Wrote one article a day for the campus newspaper.Cover campus events once a week.Organized open discussions with students on the development of books, movies, and music. Soft skills CommunicationInterpersonal skillsActive listeningCritical thinkingTime managementAttention to detailLifelong learning Hard skills CanvaPythonRMicrosoft ExcelMicrosoft WordMicrosoft PowerPointAdobe Premiere Languages IndonesianEnglish (Professional)Japanese (Intermediate) References Gladhys S., Professor of Economics, Gadjah Mada UniversityYogyakarta, Indonesia, (085)-1133-xxxx, [email protected] Randy P., Assoc. Professor of Economics, Gadjah Mada UniversityYogyakarta, Indonesia, (085)-0333-xxxx, [email protected] Junior Credit Analyst Resume Jane Doe Mobile: (+62)11-74-89977Email: [email protected]Location: Jakarta,IndonesiaLinkedIn: linkedin.com/in/janedoe Junior Credit Analyst with one year of accounting experience. Expertise in building cash flow models to efficiently and effectively monitor credit and market performance. Seeking an opportunity to apply my experience and skills as a credit analyst with Wells Bank. Work Experience Herba, Credit AnalystApr 2023 - Present Identify investment opportunities in the credit market with 100% accuracy using in-depth credit analysis.Build detailed cash flow models with up to 98% accuracy in assessing the intrinsic value of companies.Monitor credit and market performance to formulate timely trading recommendations.Analyzed financial statements of 150+ companies annually to assess creditworthiness, increasing loan portfolio quality by 20%. Internship MNC, AccountingApr 2021 - Dec 2022 Generated a list of payment submissions each week from incoming receiptsOrganized and arranged documents according to the order of expendituresAbility to make a list of cash expenditures through the petty cash mechanismCreated a subsidiary ledger. Education Bachelor of Science in Management AccountingGadjah Mada University, Jan 2018 - Jan 2023GPA: 3.8/4/0 Soft skills CommunicationInterpersonal skillsActive listeningCritical thinkingTime managementAttention to detailLifelong learning Hard skills CanvaPythonMicrosoft ExcelMicrosoft WordMicrosoft PowerPointCredit risk assessment Languages IndonesianEnglish (Professional) Credit Analyst Resume Jane Doe Mobile: (+62)11-74-89977Email: [email protected]: Jakarta, IndonesiaLinkedIn: linkedin.com/in/janedoe Credit Analyst for Corporate Banking with key expertise in credit scoring that resulted in a 70% reduction in potential losses. Proven track record in SWOT analysis, risk management, R, credit scoring models, and spreadsheet software. Work Experience Herba, Credit Analyst Corporate Banking|Apr 2023 - Present Responsible for making final credit decisions on new and renewal credit applications for 2500 customers.Gathered, analyzed, and interpreted credit program information for customers and prospects, achieving a 98% satisfaction rating.Conducted reviews of customer accounts and portfolios to assess potential credit quality issues, successfully minimizing the risk of potential company losses by 70%. MNC, Commercial Real Estate AnalystApr 2020 - Dec 2022 Developed complex financial data and models that successfully projected the financial performance of real estate assets.Conducted real estate market research and evaluated market data and trends, resulting in a 15% increase in demand.Successfully identified over 20 credit issues early in the underwriting process. Education Bachelor of Science in Management AccountingGadjah Mada UniversityJan 2010 - Jan 2014Summa Cum Laude Soft skills CommunicationCritical thinkingTime managementAttention to detailLifelong learningEthical integrity Hard skills SWOT analysisRisk managementInvestment decisionsCredit risk assessmentRSpreadsheet software (Excel, Google Sheets)Credit scoring modelsAnti-Money Laundering (AML) screening toolsCanva Certifications Certificate in Commercial Credit (CICC)Certified Credit Professionals (CCP)Commercial Credit Administration (CCA)Commercial Banking Credit Analyst (CBCA) Languages IndonesianEnglish (Professional)Mandarin (Professional)Japanese (Intermediate) References Meira NamCEO (Chief Executive Officer)NATURE [email protected], Indonesia Cindy GCOO (Chief Operating Officer)NATURE [email protected], Indonesia Senior Credit Analyst Resume Jane Doe Mobile: (+62)11-74-89977Email: [email protected]: Jakarta,IndonesiaLinkedIn: linkedin.com/in/janedoe Credit Risk Manager with 4 years of experience in risk management and credit strategy evaluation. Successfully reduced bad debt by 50% with a more effective and efficient system. Believe that my dedication and experience make me a good fit for the position of Head of Credit Risk Management at Heavan, Inc. Work Experience NATURE Bank, Credit Risk ManagerApr 2020 - Apr 2024 Comprehensively evaluated corporate borrowers' creditworthiness and risk profile, reducing bad debt by 50%.Evaluated and ensured that applicable credit terms, repayment ability, and other collateral were under control.Completed risk management reports and other administrative tasks, achieving 100% accuracy and timeliness.Spearheaded a team of 10 junior analysts, providing mentorship and increasing team productivity by 30% through strategic workflow improvementsDeveloped an advanced credit risk scoring model using Python, which improved loan approval accuracy by 22% and reduced default rates by 14% MNC Bank, Credit Risk AssessmentApr 2016 - Dec 2019 Analyzed and monitored key customer data such as financial condition and ratios to overall profile.Contributed to a 75% improvement in credit application service quality.Worked closely with the marketing team to build strong relationships with internal stakeholders and external customers. Education Master of Science in AccountingNational University of SingaporeMarch 2014 - March 2016Cum Laude Bachelor of Science in Management AccountingGadjah Mada UniversityJan 2010 - Jan 2014Summa Cum Laude Soft skills Ability to work in a teamExcellent communicationStrong analyticalProblem-solving skillsInterpersonal skills Hard skills TableauPythonRSquirroMicrosoft ExcelMicrosoft WordMicrosoft PowerPointCanvaCredit risk assessment Certifications Certificate in Commercial Credit (CICC), 2022Certified Credit Professionals (CCP), 2021Commercial Credit Administration (CCA), 2020Commercial Banking Credit Analyst (CBCA), 2020Moody's Accounting for Credit Professionals, 2019 Languages IndonesianEnglish (Written and Verbal) References Meira NamCEO (Chief Executive Officer)NATURE [email protected], Indonesia Cindy GCOO (Chief Operating Officer)NATURE [email protected], Indonesia Credit Risk Analyst Jane Doe Mobile: (+62)11-74-89977Email: [email protected]Location: Jakarta, IndonesiaLinkedIn: linkedin.com/in/janedoe Credit Risk Analyst with 6 years of experience in credit strategy development and effective risk management. High level of accuracy in analyzing market and industry trends used to develop credit policies. With qualified skills, ready to fill the position of Credit Analysis Manager at Wells Bank. Work Experience NATURE Bank, Credit Risk AnalystApr 2022 - Apr 2024 Create, manage, and execute credit strategies from onboarding, underwriting, pricing, and origination processes. Increased labor efficiency to 30%.Implemented credit strategy monitoring and control that directly impacted a 25% increase in company profits.Created monitoring and analysis reports used to track KRI's credit risk. Report results were used for senior management review. MNC Bank, Credit Risk AnalystApr 2019 - Dec 2021 Successfully reduced inefficiencies in credit policies, procedures, and processes by 45% as part of risk management.Effectively analyzed market and industry trends using more than 10 sources to identify potential macroeconomic risk factors on which to base credit policy.Established cross-functional collaboration with marketing, product, technology, and operations teams. Education Bachelor of Science in Accounting and Financial ManagementGadjah Mada UniversityJan 2014 - Jan 2019GPA: 3.6/4.0 Soft skills Communication skillsProblem-solving skillsRational decisionsTime managementCollaborativeDetail-orientedResults-oriented Hard skills PythonSQLRMicrosoft ExcelMicrosoft WordMicrosoft PowerPointBI ToolsKnowledge of credit bureau data, risk models, free cash flow calculation, credit risk Certifications Certificate in Commercial Credit (CICC), 2024Certified Credit Professionals (CCP), 2023Commercial Credit Administration (CCA), 2023Commercial Banking Credit Analyst (CBCA), 2022Moody's Accounting for Credit Professionals (ACP), 2022Moody's Profitability Credit Risk (PCR), 2021 Languages IndonesianEnglish (Written and Verbal) References Nadya MCEO (Chief Executive Officer)NATURE [email protected], Indonesia Varsam KCredit Analyst ManagerNATURE [email protected], Indonesia Credit Risk Analyst Jane Doe Mobile: (+62)11-74-89977Email: [email protected]: Jakarta,IndonesiaLinkedIn: linkedin.com/in/janedoe Senior Commercial Credit Analyst with 6+ years of credit risk management experience. Track record of reducing potential credit risk by up to 25% through the process of analyzing, researching, and reading customer data. Proficient in credit risk assessment, credit risk analysis, and financial modeling. Work Experience FGG, Senior Commercial Credit AnalystApr 2020 - Apr 2024 Won 1st place in the category of timeliness and accuracy in producing financial reports containing credit scores and quality of consumer loan applications.Prepared financial analysis for credit decisions with other credit analysis teams and lenders, accelerating decisions by 2x.Performed industry standard comparisons using Risk Management Association (RMA) data to obtain comprehensive information on borrowers and competitors, reducing potential credit risk by 25%.Led a team of 5 analysts in conducting creditworthiness evaluations, resulting in a 20% increase in approved loan applications while maintaining credit standards. MNC Bank Community, Commercial Lending - Credit AnalystApr 2018 - Apr 2019 Improved the quality of commercial credit risk analysis and review for the MNC Bank Community.Developed and presented quarterly risk reports to senior management, which contributed to a 10% improvement in decision-making efficiencyImplemented a more efficient system for recommending approval or rejection of customer credit limits extensions.Participation in more than 3 certified training courses that have an impact on the improvement of professional skills. Education Bachelor of Science in Accounting and Financial ManagementGadjah Mada UniversityJan 2013 - Dec 2017Magna Cum Laude Soft skills LeadershipInterpersonal skillsCollaborativeTeamworkTime managementMeticulous Hard skills Risk managementCredit risk assessmentCredit risk analysisFinancial modelingRisk mitigationCredit risk managementFinancial statements analysisCredit risk modelsMicrosoft Excel Certifications Credit and Counterparty Risk Management (CCRM), 2022Credit Business Associate (CBA), 2022Credit Business Fellow (CBF), 2021 Languages IndonesiaEnglish (Professional)Mandarin (Intermediate)Japanese (Intermediate) Commercial Credit Analyst Jane Doe Mobile: (+62)11-74-89977Email: [email protected]: Jakarta, IndonesiaLinkedIn: linkedin.com/in/janedoe Consumer Credit Analyst in the automotive industry for 4 years. Generated a 25% increase in credit applications through a streamlined due diligence system. Strong communication skills, especially in determining financing rates, interest rates, and loan contract terms. Work Experience Nissan Motor, Senior Credit AnalystApr 2020 - Apr 2024 Efficiently analyzing the viability of consumer loan applications led to a 25% increase in loan applications from communities in the smaller market.Negotiated various financing levels, interest rates, and contract terms with other dealers to meet customer needs, resulting in a 15% increase in sales.Assisted dealership staff in understanding lender policies, procedures, and credit terms.Established positive and cooperative relationships with dealers.Spearheaded a portfolio review project, resulting in a 15% reduction in non-performing loans and a recovery of $10 million in at-risk assets MNC, ProcessorApr 2018 - Apr 2019 Maintain 100% branch integrity by keeping all customer information files confidential.Securely lock in interest rates, administration, and other loan terms. The number of inadvertently expired locks is 0%.Required information files from customers applying for loans. Education Bachelor of Science in StatisticGadjah Mada UniversityJan 2013 - Dec 2017Cum Laude Soft skills CommunicationResponsivenessActive listeningGrowth mindsetResults-orientedDetailed-orientedPlanningOrganization Hard skills Microsoft ExcelPegaSQLRisk assessmentCredit risk modelsRisk managementRisk mitigationCredit policies Certifications Commercial Banking Credit Analyst (CBCA), 2023Moody's Accounting for Credit Professionals (ACP), 2022Moody's Profitability Credit Risk (PCR), 2022Credit and Counterparty Risk Management (CCRM), 2021 Languages IndonesianEnglish Consumer Credit Analyst Jane Doe Mobile: (+62)11-74-89977Email: [email protected]: Jakarta, IndonesiaLinkedIn: linkedin.com/in/janedoe Consumer Credit Analyst in the automotive industry for 4 years. Generated a 25% increase in credit applications through a streamlined due diligence system. Strong communication skills, especially in determining financing rates, interest rates, and loan contract terms. Work Experience Nissan Motor, Senior Credit AnalystApr 2020 - Apr 2024 Efficiently analyzing the viability of consumer loan applications led to a 25% increase in loan applications from communities in the smaller market.Negotiated various financing levels, interest rates, and contract terms with other dealers to meet customer needs, resulting in a 15% increase in sales.Assisted dealership staff in understanding lender policies, procedures, and credit terms.Established positive and cooperative relationships with dealers.Spearheaded a portfolio review project, resulting in a 15% reduction in non-performing loans and a recovery of $10 million in at-risk assets MNC, ProcessorApr 2018 - Apr 2019 Maintain 100% branch integrity by keeping all customer information files confidential.Securely lock in interest rates, administration, and other loan terms. The number of inadvertently expired locks is 0%.Required information files from customers applying for loans. Education Bachelor of Science in StatisticGadjah Mada UniversityJan 2013 - Dec 2017Cum Laude Soft skills CommunicationResponsivenessActive listeningGrowth mindsetResults-orientedDetailed-orientedPlanningOrganization Hard skills Microsoft ExcelPegaSQLRisk assessmentCredit risk modelsRisk managementRisk mitigationCredit policies Certifications Commercial Banking Credit Analyst (CBCA), 2023Moody's Accounting for Credit Professionals (ACP), 2022Moody's Profitability Credit Risk (PCR), 2022Credit and Counterparty Risk Management (CCRM), 2021 Languages IndonesianEnglish Mortgage Credit Analyst Jane Doe Mobile: (+62)11-74-89977Email: [email protected]: Jakarta,IndonesiaLinkedIn: linkedin.com/in/janedoe A seasoned mortgage credit analyst with 4 years of experience developing a credit risk management system that reduced the company's potential loss by 70%. Expert in using SAS, Python, and R for risk-based pricing and credit loss model development. Work Experience Wells Bank, Mortgage Credit AnalystApr 2020 - Apr 2024 Improved data accuracy to 90% by analyzing portfolio concentration across multiple factors, examining product mix, delinquency and loss trends, and optimizing profit within each product in the portfolio.Helped strengthen credit risk management by reviewing and evaluating the strategies of customer-facing and operational business units, successfully reducing potential losses by 70%.Successfully developed risk-based pricing and credit loss models using SAS, Python, and R.Implemented a risk-return trade-offs and predictability strategy that was 50% more effective than the previous strategy. FG Mortgage, Loan Officer AnalystApr 2018 - Dec 2019 Monitored the progress of mortgage loan applications from inception to final settlement with a timeliness rate of 90%.Responded appropriately to customer inquiries regarding interest rates and underwriting terms, increasing customer satisfaction to 98%.Performed administrative tasks to support the needs of the production manager. Education Bachelor of Science in StatisticGadjah Mada UniversityJan 2013 - Dec 2017Cum Laude Soft skills Time managementCommunication skillsInterpersonal skillsStress managementTeamwork Hard skills Nationwide Multistate Licensing System (NMLS)Microsoft ExcelTableauSQLPythonExperianRSASRisk assessment Certifications Commercial Banking Credit Analyst (CBCA), 2023Moody's Accounting for Credit Professionals (ACP), 2022Moody's Profitability Credit Risk (PCR), 2021Credit and Counterparty Risk Management (CCRM), 2020Credit Business Associate (CBA), 2020 Languages IndonesiaEnglish (IELTS 7.5)Mandarin (HSK 4) Corporate Credit Analyst Resume Jane Doe Mobile: (+62)11-74-89977Email: [email protected]: Jakarta, IndonesiaLinkedIn: linkedin.com/in/janedoe Corporate Credit Analyst professional with more than 4 years of experience in building a network of potential clients. Proven track record in conducting Early Alert and Remediation (EAR) processes, risk assessment, anticipated credit risk exposure, financial modeling, and analyzing financial statements that reduced potential company losses by 50%. Work Experience SP Global, Corporate Credit AnalystApr 2020 - Apr 2024 Interact with clients and help gather transaction terms, financial statements, and other information for quality analysis and due diligence. Reduced processing time by 50% with a more efficient system.Collaborated with product partners to structure client credit solutions and ensure product suitability, resulting in a 20% increase in clients.Monitored the quality of client portfolios by tracking excess or defaulted deposits using the Early Alert and Remediation (EAR) process.Submitted quarterly credit/performance reports with 100% timely and quality results. Wells FG, SME Credit AnalystApr 2018 - Dec 2019 Implemented a Know Your Customer (KYC) process through ID card verification, face verification, document verification, and biometric verification with an efficiency rate of 70%.Verified the validity of bank statements and invoices as supporting documents for loan applications.Successfully increased the number of customers by 25% by identifying fund and product needs with the Relationship Manager (RM).Stay abreast of market trends, credit risks, and tendencies through social media accounts, news channels, and other reliable sources. Education Bachelor of Science in Business and FinanceGadjah Mada UniversityJan 2012 - Dec 2017GPA: 3.7/4.0 Soft skills CommunicationAttention to detailProblem-solvingInterpersonal skillsMultitaskingAdaptiveCustomer service skills Hard skills Credit risk assessmentFinancial modellingFinancial statementsRisk mitigation strategiesMicrosoft ExcelSAASSQLCredit scoringPortfolio ManagementAnalyzing market trends Certifications Credit and Counterparty Risk Management (CCRM), 2022Credit Business Associate (CBA), 2022Credit Business Fellow (CBF), 2022Certified International Credit Professional (CICP), 2021Certified Credit Professionals (CCP), 2021Commercial Credit Administration (CCA), 2020 Languages IndonesianEnglish (IELTS 8) Sovereign Credit Analyst (Apprenticeship) Jane Doe Mobile: (+62)11-74-89977Email: [email protected]: Jakarta,IndonesiaLinkedIn: linkedin.com/in/janedoe Junior Sovereign Credit Analyst with a Master of Science in Accounting and Finance. Strong experience in macroeconomics, financial memos, and emerging markets with 100% accuracy. Also proficient in cash flow analysis, financial statement analysis, and financial modeling. Work Experience SP Global, Junior Sovereign Credit AnalystApr 2020 - Apr 2024 Collect and analyze economic and financial data from the Central Bank, Bloomberg, BIS, and OECD with up to 100% accuracy.Contributed to updating databases related to economic and financial indicators needed by the team, which helped increase inter-departmental work efficiency by 50%.Contributed to the preparation of economic and financial memos related to the implementation of macro and investment strategies. Wells FG, Credit AnalystApr 2018 - Dec 2019 Evaluated the creditworthiness of over 100 applicants by collecting vehicle data, employment history, and financial information.Successfully exceeded the daily goal of verifying applicant information by phone by 25%.Conducted interviews three times a week at applicants' work or business locations.Prepared daily and monthly reports for the deputy manager with no corrections. Education Master of Science in Accounting and FinanceKingston University, United KingdomJan 2020 - Jan 2022GPA: 3.8/4.0 Bachelor of Science in AccountingGadjah Mada UniversityJan 2012 - Jan 2017GPA: 3.8/4.0 Soft skills NegotiationCommunicationCollaborationDetail-orientedAdaptabilityTime ManagementProblem-solvingDecision-making Hard skills MacroeconomicsFinancial MathematicsCorporate FinanceAccountingMicrosoft ExcelMakro VBAExperianActicoRisk assessment Certifications Certificate in Commercial Credit (CICC), 2024Certified Credit Professionals (CCP), 2023Commercial Credit Administration (CCA), 2023Commercial Banking Credit Analyst (CBCA), 2022 Languages Indonesia (native)English (IELTS: 8)France (professional)Mandarin (professional)Japanese (intermediate) References Ariel H, Professor of EconomicsKingston University, United Kingdom(+61)-333-xxxx, arielh@kingstonedu Mariana, Professor of EconomicsMonash University, Australia(+61)-222-xxxx, [email protected] Tommy Ariando S., Assoc. Professor of EconomicsKingston University, United Kingdom(+61)-111-xxx, [email protected] Analyst Cover Letter Example Garneta Risnan Jakarta, Indonesia(+62)[email protected]: linkedin.com/in/garnetarisnan Jul 13, 202 To: Karen AmstrongHuman Resources ManagerWells Bank321, BSD CityJakarta, Indonesia Dear Ms. Amstrong, I am an economics major with a passion for reading and analyzing data, financial modeling and cash flow, credit risk analysis, and risk management. I believe that these skills make me suitable to join the summer internship program as a Credit Analyst at Wells Bank. In my three years at Gadjah Mada University, I have also taken several relevant courses such as Data Visualization and Dashboards with Excel and Cognos, Data Analysis with Python, and Excel Basics for Data Analysis. Mastering these tools helped me to work in the analytics field. I am also involved in the Analytics and Data Science Organization (ADSO), which aims to increase networking through conferences and other professional activities. In addition, I am also involved in advocacy for more than 20 students who need academic support. My second activity is being involved in the daily newsletter for the college community. I wrote an article for the daily newsletter, did field reporting to cover campus events, and also organized a monthly discussion schedule for book, movie, and music topics. My campus activities have greatly improved my interpersonal, communication, accuracy, and teamwork skills. I also learned a lot about advocacy, structured planning, and organized work systems. As an internship candidate, Wells Bank is the perfect place for me to grow. In the 24 years since its founding, your company has demonstrated its commitment to encouraging employees to continue learning and creating an inclusive and supportive work environment. I am confident that my strong desire to learn and my openness to new ideas will contribute greatly to the team. Therefore, I sincerely hope that this internship application will be accepted by you. Thank you very much for considering my application. I look forward to discussing the Credit Analyst internship position further. If you have any questions regarding my qualifications, please do not hesitate to contact me at the contact information provided. Sincerely, Garneta Risnan FAQsCan this work be done remotely? Yes, some companies hire credit analysts online. You will conduct data analysis, financial analysis, financial statement evaluation, risk assessment, and credit reports with lenders through applications or over the phone. However, cross-border credit analyst jobs seem to be difficult. Even though the WFH system is allowed, companies usually still require candidates to live in the same city as the office. What are the credit principles I should know? The 5Cs are the guiding principles for credit analysts and those who work in the credit world. The 5Cs are Character, Capacity, Capital, Collateral and Condition. Capacity refers to the borrower's ability to repay the loan, Collateral refers to the collateral provided to the bank, Character refers to the borrower's behavior and attitude, Capital refers to the borrower's capital, and Condition refers to the borrower's economic condition.Key Takeaways Credit analysts evaluate credit applications from customers and report them in risk levels. The results of the analysis are used to deny or approve credit, increase or decrease credit limits, and extend credit payments.There are five types of credit analysts: commercial credit analysts, bank credit analysts, mortgage credit analysts, consumer credit analysts, and government credit analysts.A good credit analyst resume consists of measurable accomplishments, keywords, and the use of the proper format. Well, this article on credit analyst resume is guaranteed to help you get to the interview stage with the hiring manager. Don't forget to always proofread your resume to make sure there are no mistakes!If you need more tips about the world of work, want to find jobs from different countries, or want to communicate with hundreds of professionals, Cake is THE platform you want to use, we provide a free resume builder online and a portfolio maker. All you have to do is sign up with your email, and you can start exploring our features. Join now!Create Resume— Originally written by Erika Rizqi —