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.

On the job, you would:

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.

Personality

A3	Your Strengths	Importance	Characteristics of this Career
		97%	Analytical Thinking - Job requires analyzing information and using logic to address work-related issues and problems.
		95%	Attention to Detail - Job requires being careful about detail and thorough in completing work tasks.
		90%	Integrity - Job requires being honest and ethical.
		85%	Dependability - Job requires being reliable, responsible, and dependable, and fulfilling obligations.
		83%	Initiative - Job requires a willingness to take on responsibilities and challenges.
		79%	Stress Tolerance - Job requires accepting criticism and dealing calmly and effectively with high-stress situations.
		75%	Adaptability/Flexibility - Job requires being open to change (positive or negative) and to considerable variety in the workplace.
		71%	Achievement/Effort - Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks.
		68%	Cooperation - Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.
		68%	Independence - Job requires developing one's own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done.
		66%	Persistence - Job requires persistence in the face of obstacles.
		59%	Self-Control - Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.
		56%	Leadership - Job requires a willingness to lead, take charge, and offer opinions and direction.

A3	Your Strengths	Importance	Strengths
		100%	Conventional - Work involves following procedures and regulations to organize information or data, typically in a business setting. Conventional occupations are often associated with office work, accounting, mathematics/statistics, information technology, finance, or human resources.
		72%	Enterprising - Work involves managing, negotiating, marketing, or selling, typically in a business setting, or leading or advising people in political and legal situations. Enterprising occupations are often associated with business initiatives, sales, marketing/advertising, finance, management/administration, professional advising, public speaking, politics, or law.

A3	Your Strengths	Importance	Values of the Work Environment
		67%	Relationships - Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service.
		56%	Achievement - Occupations that satisfy this work value are results oriented and allow employees to use their strongest abilities, giving them a feeling of accomplishment. Corresponding needs are Ability Utilization and Achievement.
		56%	Recognition - Occupations that satisfy this work value offer advancement, potential for leadership, and are often considered prestigious. Corresponding needs are Advancement, Authority, Recognition and Social Status.
		56%	Support - Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical.
		56%	Independence - Occupations that satisfy this work value allow employees to work on their own and make decisions. Corresponding needs are Creativity, Responsibility and Autonomy.

Aptitude

A3	Your Strengths	Importance	Abilities \| Cognitive, Physical, Personality
		75%	Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
		72%	Written Comprehension - The ability to read and understand information and ideas presented in writing.
		72%	Inductive Reasoning - The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
		72%	Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
		69%	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 that there is a problem.
		69%	Number Facility - The ability to add, subtract, multiply, or divide quickly and correctly.
		69%	Mathematical Reasoning - The ability to choose the right mathematical methods or formulas to solve a problem.
		69%	Deductive Reasoning - The ability to apply general rules to specific problems to produce answers that make sense.
		66%	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).
		66%	Near Vision - The ability to see details at close range (within a few feet of the observer).
		60%	Written Expression - The ability to communicate information and ideas in writing so others will understand.
		56%	Speech Recognition - The ability to identify and understand the speech of another person.
		53%	Speech Clarity - The ability to speak clearly so others can understand you.
		53%	Category Flexibility - The ability to generate or use different sets of rules for combining or grouping things in different ways.

A3	Your Strengths	Importance	Skills \| Cognitive, Physical, Personality
		59%	Mathematics - Using mathematics to solve problems.
		57%	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.
		57%	Speaking - Talking to others to convey information effectively.
		57%	Reading Comprehension - Understanding written sentences and paragraphs in work-related documents.
		57%	Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
		55%	Writing - Communicating effectively in writing as appropriate for the needs of the audience.
		54%	Judgment and Decision Making - Considering the relative costs and benefits of potential actions to choose the most appropriate one.
		52%	Active Learning - Understanding the implications of new information for both current and future problem-solving and decision-making.

Job Details

Responsibilities

Assess risks to business operations.

Analyze business or financial data.

Prepare financial documents, reports, or budgets.

Assess financial status of clients.

Advise others on financial matters.

Confer with others about financial matters.

Prepare contracts or other transaction documents.

Calculate data to inform organizational operations.

Examine financial records.

Analyze market conditions or trends.

Correspond with customers to answer questions or resolve complaints.

Analyze business or financial data.

Collect payments for goods or services.

A3	Your Strengths	Importance	Attributes & Percentage of Time Spent
		100%	Indoors, Environmentally Controlled - How often does this job require working indoors in environmentally controlled conditions?
		100%	Electronic Mail - How often do you use electronic mail in this job?
		96%	Spend Time Sitting - How much does this job require sitting?
		92%	Face-to-Face Discussions - How often do you have to have face-to-face discussions with individuals or teams in this job?
		92%	Telephone - How often do you have telephone conversations in this job?
		88%	Importance of Being Exact or Accurate - How important is being very exact or highly accurate in performing this job?
		80%	Structured versus Unstructured Work - To what extent is this job structured for the worker, rather than allowing the worker to determine tasks, priorities, and goals?
		80%	Time Pressure - How often does this job require the worker to meet strict deadlines?
		77%	Importance of Repeating Same Tasks - How important is repeating the same physical activities (e.g., key entry) or mental activities (e.g., checking entries in a ledger) over and over, without stopping, to performing this job?
		76%	Letters and Memos - How often does the job require written letters and memos?
		69%	Freedom to Make Decisions - How much decision making freedom, without supervision, does the job offer?
		68%	Contact With Others - How much does this job require the worker to be in contact with others (face-to-face, by telephone, or otherwise) in order to perform it?
		68%	Frequency of Decision Making - How frequently is the worker required to make decisions that affect other people, the financial resources, and/or the image and reputation of the organization?
		60%	Work With Work Group or Team - How important is it to work with others in a group or team in this job?
		59%	Impact of Decisions on Co-workers or Company Results - What results do your decisions usually have on other people or the image or reputation or financial resources of your employer?
		54%	Level of Competition - To what extent does this job require the worker to compete or to be aware of competitive pressures?
		51%	Spend Time Making Repetitive Motions - How much does this job require making repetitive motions?
		75%	Duration of Typical Work Week - Number of hours typically worked in one week.

A3	Your Strengths	Importance	Tasks & Values
		91%	Analyzing Data or Information - Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.
		90%	Getting Information - Observing, receiving, and otherwise obtaining information from all relevant sources.
		86%	Working with Computers - Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
		85%	Processing Information - Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.
		81%	Communicating with Supervisors, Peers, or Subordinates - Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
		76%	Making Decisions and Solving Problems - Analyzing information and evaluating results to choose the best solution and solve problems.
		71%	Updating and Using Relevant Knowledge - Keeping up-to-date technically and applying new knowledge to your job.
		70%	Interpreting the Meaning of Information for Others - Translating or explaining what information means and how it can be used.
		69%	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.
		69%	Establishing and Maintaining Interpersonal Relationships - Developing constructive and cooperative working relationships with others, and maintaining them over time.
		66%	Organizing, Planning, and Prioritizing Work - Developing specific goals and plans to prioritize, organize, and accomplish your work.
		64%	Identifying Objects, Actions, and Events - Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.
		63%	Documenting/Recording Information - Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.

Getting Started

Education:

95%

Bachelor's Degree

Master's Degree

Credit Analysts

What they do:

On the job, you would:

Personality

Characteristics of this Career

Strengths

Values of the Work Environment

Aptitude

Abilities | Cognitive, Physical, Personality

Skills | Cognitive, Physical, Personality

Job Details

Attributes & Percentage of Time Spent

Tasks & Values

Getting Started