credit analyst
Code 3312.2.1
The credit analyst (analista de crédito) assesses repayment capacity and risk for people or firms before approving financing. Use this Job Dictionary profile to define credit risk as distinct from FP&A financial analysis.
Essential skills
Knowledge
- debt classification
- financial statements
- financial engineering
- insolvency law
Skills and competences
- analyse loans
- apply credit risk policy
- advise on risk management
- interpret financial statements
- perform debt investigation
- maintain client debt records
- obtain financial information
Transversal competences
- analyse the credit history of potential customers
- analyse financial risk
- advise on credit rating
- maintain credit history of clients
- synthesise financial information
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What to assess for this role
Assess scoring rigour, scepticism and risk communication to the business.
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Common questions about this role when you are hiring or writing the job profile.
- What does a credit analyst do?
- Reviews background, statements and collateral; recommends approve, condition or decline.
- Bank vs company?
- Banks often have stricter policies; companies may focus on customer or supplier credit.
- What to measure when hiring?
- Memo quality and balance between commercial growth and expected loss.
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Sources
This service uses the ESCO classification of the European Commission and the Mapha Taxonomy developed by OTIC SOFOFA (CC BY 4.0), in an adapted version. Group codes come from the ILO's ISCO-08. See sources and licences