• Academics

Credit Analysts

13-2041.00

Median wages

$58,870

Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with credit information for use in decision making.
  • Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
  • Generate financial ratios, using computer programs, to evaluate customers' financial status.
  • Consult with customers to resolve complaints and verify financial and credit transactions.
  • Prepare reports that include the degree of risk involved in extending credit or lending money.
  • Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
  • Review individual or commercial customer files to identify and select delinquent accounts for collection.
  • Confer with credit association and other business representatives to exchange credit information.
  • Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
  • Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
  • Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
  • Analytical or scientific software — SAS Hot technology
  • Content workflow software — Equifax Application Engine; Experian Transact SM
  • Data base user interface and query software — Structured query language SQL Hot technology
  • Document management software — Credit adjudication and lending management system CALMS
  • Enterprise resource planning ERP software Hot technology — Oracle JD Edwards EnterpriseOne Hot technology ; SAP Hot technology
  • Financial analysis software — Experian Credinomics; Experian FraudShield; Fair Isaac Capstone Decision Manager; Moody's KMV Risk Advisor
  • Information retrieval or search software — CGI-AMS BureauLink Enterprise
  • Office suite software — Experian Strategy Management; Microsoft Office
  • Presentation software — Microsoft PowerPoint Hot technology
  • Spreadsheet software — Microsoft Excel Hot technology
  • Word processing software — Microsoft Word
  • Critical Thinking — Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
  • Active Learning — Understanding the implications of new information for both current and future problem-solving and decision-making.
  • Active Listening — Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
  • Judgment and Decision Making — Considering the relative costs and benefits of potential actions to choose the most appropriate one.
  • Reading Comprehension — Understanding written sentences and paragraphs in work related documents.
  • Speaking — Talking to others to convey information effectively.
  • Mathematics — Using mathematics to solve problems.
  • Complex Problem Solving — Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
  • Writing — Communicating effectively in writing as appropriate for the needs of the audience.
  • Service Orientation — Actively looking for ways to help people.
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