Occupation information for Credit Analysts District Of Columbia

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Typical education needed for entry: Bachelor's degree

Typical work experience needed for a job in this occupation: No work experience

Typical on-the-job training once you have a job in this occupation: No on-the-job training

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• 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.
• 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.

Tools:

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

Technology:

• Content workflow software
• Data base user interface and query software
• Development environment software
• Enterprise resource planning ERP software
• Financial analysis software

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