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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 Representative”
- Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
- Review individual or commercial customer files to identify and select delinquent accounts for collection.
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Confer with credit association and other business representatives to exchange credit information.
- Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
- 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.
Related Technology & Tools
- Notebook computers
- Scanners
- Desktop computers
- 10-key calculators
- Personal computers
- Moody's KMV Risk Advisor
- Oracle JD Edwards EnterpriseOne
- CGI-AMS Strata
- Microsoft Word
- Experian Retention Triggers
- SAP
- Fair Isaac Capstone Decision Manager
- Experian Detect
- Microsoft Excel
- Experian Quest
- Equifax Advanced Decisioning
- Moody's KMV Decisions
- Experian Strategy Management
- Fair Isaac Falcon ID
- Moody's KMV Risk Analyst
- eCredit Enterprise
- Moody's KMV Financial Analyst
- Structured query language SQL
- Microsoft Office
- Credit and risk analysis software
- Credit fraud detection software
- Equifax InterConnect
- Dun and Bradstreet Global DecisionMaker
- CGI-AMS CACS Enterprise
- SAS
- Equifax Application Engine
- Experian Credinomics
- Microsoft PowerPoint
- CGI-AMS BureauLink Enterprise
- Experian FraudShield
- Moody's KMV CreditEdge
- Credit adjudication and lending management system CALMS
- Experian Transact SM
- Fair Isaac Application Risk Model Software