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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 decisionmaking.

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    Work Activities

    Work Activities

    • Prepare reports that include 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.
    • Consult with customers to resolve complaints and verify financial and credit transactions.
    • Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
    • Contact customers to collect payments on delinquent accounts.
    • Review individual or commercial customer files to identify and select delinquent accounts for collection.
    • Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
    • 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.
    • Analyze credit data and financial statements to determine 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.
    • 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.

    Skills

    • Writing

      Writing things for co-workers or customers.

    • Operations Analysis

      Figuring out what a product or service needs to be able to do.

    • Technology Design

      Making equipment and technology useful for customers.

    • Coordination

      Changing what is done based on other people's actions.

    • Negotiation

      Bringing people together to solve differences.

    • Persuasion

      Talking people into changing their minds or their behavior.

    • Instructing

      Teaching people how to do something.

    • Complex Problem Solving

      Noticing a problem and figuring out the best way to solve it.

    • Equipment Selection

      Deciding what kind of tools and equipment are needed to do a job.

    • Operations Monitoring

      Watching gauges, dials, or display screens to make sure a machine is working.

    • Monitoring

      Keeping track of how well people and/or groups are doing in order to make improvements.

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    • Programming

      Writing computer programs.

    • Learning Strategies

      Using the best training or teaching strategies for learning new things.

    • Mathematics

      Using math to solve problems.

    • Social Perceptiveness

      Understanding people's reactions.

    • Science

      Using scientific rules and strategies to solve problems.

    • Active Learning

      Figuring out how to use new ideas or things.

    • Systems Evaluation

      Measuring how well a system is working and how to improve it.

    • Judgment and Decision Making

      Thinking about the pros and cons of different options and picking the best one.

    • Troubleshooting

      Figuring out what is causing equipment, machines, wiring, or computer programs to not work.

    • Management of Material Resources

      Managing equipment and materials.

    • Critical Thinking

      Thinking about the pros and cons of different ways to solve a problem.

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • Speaking

      Talking to others.

    • Time Management

      Managing your time and the time of other people.

    • Repairing

      Repairing machines or systems using the right tools.

    • Management of Financial Resources

      Making spending decisions and keeping track of what is spent.

    • Quality Control Analysis

      Testing how well a product or service works.

    • Operation and Control

      Using equipment or systems.

    • Systems Analysis

      Figuring out how a system should work and how changes in the future will affect it.

    • Reading Comprehension

      Reading work-related information.

    • Service Orientation

      Looking for ways to help people.

    • Active Listening

      Listening to others, not interrupting, and asking good questions.

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    WorkKeys®

    Applied Math
    5
    Workplace Documents
    5
    Graphic Literacy
    5

    Abilities

    • Rate Control

      Changing when and how fast you move based on how something else is moving.

    • Inductive Reasoning

      Making general rules or coming up with answers from lots of detailed information.

    • Memorization

      Remembering words, numbers, pictures, or steps.

    • Spatial Orientation

      Knowing where things are around you.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Response Orientation

      Quickly deciding if you should move your hand, foot, or other body part.

    • Trunk Strength

      Using your lower back and stomach.

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    • Glare Sensitivity

      Seeing something even if there is a glare or very bright light.

    • Speech Recognition

      Recognizing spoken words.

    • Written Comprehension

      Reading and understanding what is written.

    • Far Vision

      Seeing details that are far away.

    • Speech Clarity

      Speaking clearly.

    • Flexibility of Closure

      Seeing hidden patterns.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Oral Expression

      Communicating by speaking.

    • Written Expression

      Communicating by writing.

    • Perceptual Speed

      Quickly comparing groups of letters, numbers, pictures, or other things.

    • Reaction Time

      Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Multilimb Coordination

      Using your arms and/or legs together while sitting, standing, or lying down.

    • Category Flexibility

      Grouping things in different ways.

    • Visualization

      Imagining how something will look after it is moved around or changed.

    • Manual Dexterity

      Holding or moving items with your hands.

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Information Ordering

      Ordering or arranging things.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    • Stamina

      Exercising for a long time without getting out of breath.

    • Near Vision

      Seeing details up close.

    • Sound Localization

      Noticing the direction that a sound came from.

    • Extent Flexibility

      Bending, stretching, twisting, or reaching with your body, arms, and/or legs.

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • Depth Perception

      Deciding which thing is closer or farther away from you, or deciding how far away it is from you.

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Auditory Attention

      Paying attention to one sound while there are other distracting sounds.

    • Dynamic Flexibility

      Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.

    • Night Vision

      Seeing at night or under low light.

    • Oral Comprehension

      Listening and understanding what people say.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Selective Attention

      Paying attention to something without being distracted.

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Originality

      Creating new and original ideas.

    • Problem Sensitivity

      Noticing when problems happen.

    • Time Sharing

      Doing two or more things at the same time.

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Wrist-Finger Speed

      Making fast, simple, repeated movements of your fingers, hands, and wrists.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Deductive Reasoning

      Using rules to solve problems.

    • Control Precision

      Quickly changing the controls of a machine, car, truck or boat.

    • Gross Body Coordination

      Moving your arms, legs, and mid-section together while your whole body is moving.

    Knowledge

    • Mathematics

      Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

    • Economics and Accounting

      Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.

    • Administration and Management

      Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

    • Production and Processing

      Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.

    • Computers and Electronics

      Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

    • Engineering and Technology

      Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.

    • Building and Construction

      Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.

    • Mechanical

      Knowledge of machines and tools, including their designs, uses, repair, and maintenance.

    • Biology

      Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

    • Fine Arts

      Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.

    • History and Archeology

      Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.

    • Law and Government

      Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

    • Medicine and Dentistry

      Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.

    • Education and Training

      Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.

    • Philosophy and Theology

      Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.

    • Public Safety and Security

      Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.

    • Communications and Media

      Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.

    • Geography

      Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.

    • Administrative

      Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.

    • Physics

      Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.

    • Customer and Personal Service

      Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

    • Transportation

      Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.

    • English Language

      Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

    • Telecommunications

      Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.

    • Foreign Language

      Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.

    • Sociology and Anthropology

      Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.

    • Sales and Marketing

      Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

    • Chemistry

      Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.

    • Food Production

      Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.

    • Design

      Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.

    • Psychology

      Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.

    • Personnel and Human Resources

      Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

    • Therapy and Counseling

      Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.

    Career Video

    Additional videos and more information available on CareerOneStop

    Pay

    • Ohio Annual Salary 72260/yr
    • Typical Salary
    • Ohio Hourly Wage 34.74/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 2,560
    • Yearly Projected Openings 210

    Typical Education

    Personality

    Conventional: People interested in this work like activities that include data, detail, and regular routines.They do well at jobs that need:
    • Analytical Thinking
    • Attention to Detail
    • Integrity
    • Dependability
    • Initiative
    • Stress Tolerance

    Tools

    • Desktop calculator
    • Desktop computers
    • Notebook computers
    • Personal computers
    • Scanners

    Technology

    • Analytical or scientific software
    • Business intelligence and data analysis software
    • Content workflow software
    • Data base user interface and query software
    • Development environment software
    • Document management software
    • Enterprise resource planning ERP software
    • Financial analysis software
    • Information retrieval or search software
    • Office suite software
    • Presentation software
    • Spreadsheet software
    • Word processing software

    Tags

    • InDemand occupations are considered a priority by the state of Ohio.
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    Workforce Supply Tool

    Workforce Supply Tool

    The Workforce Supply Tool provides statistics for the occupations in highest demand throughout Ohio.

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