Credit analysts 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.
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.
Prepare reports that include 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.
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
Consult with customers to resolve complaints and verify financial and credit transactions.
Contact customers to collect payments on delinquent accounts.
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.
Confer with credit association and other business representatives to exchange credit information.
Analyzing Data or Information — Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.
Getting Information — Observing, receiving, and otherwise obtaining information from all relevant sources.
Interacting With Computers — Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
Processing Information — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.
Communicating with Supervisors, Peers, or Subordinates — Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
Making Decisions and Solving Problems — Analyzing information and evaluating results to choose the best solution and solve problems.
Updating and Using Relevant Knowledge — Keeping up-to-date technically and applying new knowledge to your job.
Interpreting the Meaning of Information for Others — Translating or explaining what information means and how it can be used.
Evaluating Information to Determine Compliance with Standards — Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.
Establishing and Maintaining Interpersonal Relationships — Developing constructive and cooperative working relationships with others, and maintaining them over time.
Organizing, Planning, and Prioritizing Work — Developing specific goals and plans to prioritize, organize, and accomplish your work.
Identifying Objects, Actions, and Events — Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.
Documenting/Recording Information — Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
Training and Teaching Others — Identifying the educational needs of others, developing formal educational or training programs or classes, and teaching or instructing others.
Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
Mathematics
Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
English Language
Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
Law and Government
Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
Clerical
Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.
Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
Reading Comprehension
Understanding written sentences and paragraphs in work related documents.
Active Learning
Understanding the implications of new information for both current and future problem-solving and decision-making.
Speaking
Talking to others to convey information effectively.
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.
Mathematics
Using mathematics to solve problems.
Writing
Communicating effectively in writing as appropriate for the needs of the audience.
Judgment and Decision Making
Considering the relative costs and benefits of potential actions to choose the most appropriate one.
Monitoring
Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
Social Perceptiveness
Being aware of others' reactions and understanding why they react as they do.
Service Orientation
Actively looking for ways to help people.
Complex Problem Solving
Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
The ability to communicate information and ideas in speaking so others will understand.
Oral Expression
The ability to communicate information and ideas in speaking so others will understand.
Oral Comprehension
The ability to listen to and understand information and ideas presented through spoken words and sentences.
Inductive Reasoning
The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
Written Comprehension
The ability to read and understand information and ideas presented in writing.
Oral Comprehension
The ability to listen to and understand information and ideas presented through spoken words and sentences.
Inductive Reasoning
The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
Written Comprehension
The ability to read and understand information and ideas presented in writing.
Problem Sensitivity
The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.
Deductive Reasoning
The ability to apply general rules to specific problems to produce answers that make sense.
Mathematical Reasoning
The ability to choose the right mathematical methods or formulas to solve a problem.
Number Facility
The ability to add, subtract, multiply, or divide quickly and correctly.
Number Facility
The ability to add, subtract, multiply, or divide quickly and correctly.
Mathematical Reasoning
The ability to choose the right mathematical methods or formulas to solve a problem.
Problem Sensitivity
The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.
Deductive Reasoning
The ability to apply general rules to specific problems to produce answers that make sense.
Information Ordering
The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
Near Vision
The ability to see details at close range (within a few feet of the observer).
Near Vision
The ability to see details at close range (within a few feet of the observer).
Information Ordering
The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
Written Expression
The ability to communicate information and ideas in writing so others will understand.
Written Expression
The ability to communicate information and ideas in writing so others will understand.
Speech Recognition
The ability to identify and understand the speech of another person.
Speech Recognition
The ability to identify and understand the speech of another person.
Category Flexibility
The ability to generate or use different sets of rules for combining or grouping things in different ways.
Speech Clarity
The ability to speak clearly so others can understand you.
Category Flexibility
The ability to generate or use different sets of rules for combining or grouping things in different ways.
Speech Clarity
The ability to speak clearly so others can understand you.
Perceptual Speed
The ability to quickly and accurately compare similarities and differences among sets of letters, numbers, objects, pictures, or patterns. The things to be compared may be presented at the same time or one after the other. This ability also includes comparing a presented object with a remembered object.
Flexibility of Closure
The ability to identify or detect a known pattern (a figure, object, word, or sound) that is hidden in other distracting material.
Perceptual Speed
The ability to quickly and accurately compare similarities and differences among sets of letters, numbers, objects, pictures, or patterns. The things to be compared may be presented at the same time or one after the other. This ability also includes comparing a presented object with a remembered object.
Flexibility of Closure
The ability to identify or detect a known pattern (a figure, object, word, or sound) that is hidden in other distracting material.
