Description
Credit analysts investigate credit applications from customers and evaluate if the applications comply with regulations and guidelines of the financial loan-granting institution. On the basis of credit analyses they advise financial institutions whether customers are loan worthy. They perform tasks such as collecting data on the loan applicant, aquire additional information from other departments or institutions and indicating what sort of agreements the financial institution should reach with the credit applicant. Credit analysts also follow up on the development of the credit portfolio of clients.
EssentialOptional
Theoretical Knowledge
Practical Skills
analyse financial riskanalyse loansmaintain credit history of clientsmaintain client debt recordsanalyse the credit history of potential customersperform debt investigationobtain financial informationinterpret financial statementsadvise on risk managementsynthesise financial informationapply credit risk policyadvise on credit ratingexamine credit ratingsmanage securitiesbudget for financial needsdevelop investment portfolioreview investment portfoliosinterview bank loaneesanalyse market financial trends