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Job Description
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.
Job Details
- The SOC (Standard Occupational Classification) code is 13-2041.00
- The Mean Annual Wage in the U.S. is $ 81,160.00
- The Mean Hourly Wage is $ 39.00
- Currently, there are 72,930 people on this job
☝️ Information based on the reference occupation “Credit Analysts”.
Also Known As…
- Credit Analysts
- Underwriter
- Risk Analyst
- Credit Risk Analyst
- Credit Representative
- Credit Manager
- Credit and Collections Analyst
- Credit Analyst
- Credit Administrator
- Analyst
- Loan Review Analyst
- Loan Officer
- Financing Analyst
- Financial Analyst
- Factorer
- Escrow Representative
- Credit Specialist
- Credit Negotiator
- Credit Assessment Analyst
Tasks for “Credit Manager”
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
- Consult with customers to resolve complaints and verify financial and credit transactions.
- Confer with credit association and other business representatives to exchange credit information.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
- Prepare reports that include the degree of risk involved in extending credit or lending money.
- Review individual or commercial customer files to identify and select delinquent accounts for collection.
- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
Related Technology & Tools
- Personal computers
- Notebook computers
- Scanners
- 10-key calculators
- Desktop computers
- Moody's KMV Risk Analyst
- eCredit Enterprise
- Dun and Bradstreet Global DecisionMaker
- Oracle JD Edwards EnterpriseOne
- Experian Transact SM
- Microsoft Word
- Moody's KMV Financial Analyst
- CGI-AMS Strata
- Equifax Application Engine
- Experian FraudShield
- Moody's KMV Risk Advisor
- Microsoft PowerPoint
- Experian Credinomics
- Experian Detect
- Moody's KMV CreditEdge
- Fair Isaac Capstone Decision Manager
- CGI-AMS CACS Enterprise
- Credit adjudication and lending management system CALMS
- Microsoft Office
- Equifax InterConnect
- Fair Isaac Falcon ID
- SAP
- Credit fraud detection software
- Experian Strategy Management
- Microsoft Excel
- Experian Quest
- Moody's KMV Decisions
- SAS
- CGI-AMS BureauLink Enterprise
- Structured query language SQL
- Credit and risk analysis software
- Experian Retention Triggers
- Fair Isaac Application Risk Model Software
- Equifax Advanced Decisioning