Hugh Callahan
Credit Analyst
Richmond, VA hugh.callahan@example.com +1 (555) 002-1114 hughcallahan.example
Profile
Credit analyst who writes memos a committee can argue with. Spreads statements, names the risks, and does not hide a covenant already on the edge.
Experience
Credit Analyst
2018 – Present
Rivermark Partners · Richmond, VA
- Underwrote 28 middle-market credits and recommended 4 declines that later defaulted elsewhere.
- Rebuilt spreading templates so leverage and coverage calculated the same way across the desk.
- Flagged a customer concentration that led to a hold-and-watch instead of a premature upsize.
Credit Associate
2014 – 2018
James River Capital · Richmond, VA
- Monitored a 60-name book and wrote quarterly reviews that credit committee actually read.
- Caught a related-party receivable that had been classified as trade.
Skills
Credit analysis · Financial spreading · Covenants · Memoranda · Excel · Industry research
Education
B.S. Economics
2014
Chesapeake College
Projects
Memo Skeleton
Credit memo outline covering thesis, risks, and monitoring triggers.