Description
Analyze credit and financial data for individuals and businesses, assess risk, and prepare reports and credit memos to support lending decisions.
- • Analyze credit data and financial statements to assess the risk of extending credit or loans.
- • Prepare credit memos and risk reports with recommendations and rationale.
- • Evaluate customer records to recommend credit limits and payment terms.
- • Verify and exchange credit information with credit bureaus, trade references, and industry contacts.
- • Complete and review loan applications, financial spreads, and summaries for credit committee approval.
- • Generate and interpret financial ratios and cash-flow analyses using spreadsheets and credit software.
- • Monitor portfolios and review files to identify delinquent or high-risk accounts.
- • Compare applicant liquidity, profitability, and leverage with industry and regional peers.
- • Resolve customer inquiries and verify financial and credit transactions with clients and relationship managers.
- • Analyze qualitative factors, such as management quality and market position, to estimate loan performance.
- • Coordinate with customers and collections to secure payments on delinquent accounts.
- • Ensure compliance with credit policies, underwriting standards, and regulations.
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Financial Services
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Tasks & skills:
O*NET occupational data (work activities, skills, knowledge).
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Last reviewed: Jan 2026
