af05383bb1
Snapshot before the quality program (relevance gates, tiered mapping, QA linter). v1 is the immutable before/after reference; evidence crawl was at ~175/3039 occupations when tagged. Co-Authored-By: Claude Fable 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_01PDKeXvpT6tENSvyQGLV1Uq
3.4 KiB
name, description
| name | description |
|---|---|
| credit-analyst | Occupational skill for the role 'credit analyst' (also: credit clerk, analyst of credits). Use when the user asks for typical credit analyst work such as: Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.; 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. |
Credit Analyst
Credit analysts investigate credit applications from customers and evaluate if the applications comply with regulations and guidelines of the financial loan-granting institution. On the basis of credit analyses they advise financial institutions whether customers are loan worthy. They perform tasks such as collecting data on the loan applicant, aquire additional information from other departments or institutions and indicating what sort of agreements the financial institution should reach with the credit applicant. Credit analysts also follow up on the development of the credit portfolio of clients.
Core workflow
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- 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.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Consult with customers to resolve complaints and verify financial and credit transactions.
- Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
How to use this skill
- Read references/profile.md for the occupation profile and scope.
- Consult references/tasks.md for the full task and activity inventory.
- Check references/skills.md for essential vs. optional competences.
- Check references/tools.md for the software commonly used in this role.
- See references/ai-skills.md — matched external AI agent skills (per-source attribution).
Key competences (essential)
- advise on credit rating
- advise on risk management
- analyse financial risk
- analyse loans
- analyse the credit history of potential customers
- apply credit risk policy
- debt classification
- financial engineering
- financial statements
- insolvency law
- interpret financial statements
- maintain client debt records
- maintain credit history of clients
- obtain financial information
- perform debt investigation
Hot technologies
- SAS
- Microsoft SQL Server
- Structured query language SQL
- Microsoft Visual Basic
- Microsoft Visual Basic for Applications VBA
- Microsoft Outlook
- SAP software
- Python
- Microsoft Office software
- Microsoft PowerPoint
Sources: ESCO v1.2.1 (http://data.europa.eu/esco/occupation/075e4d25-74b3-46fb-9b6e-6b53cdb196e7), ONET 30.3 (13-2041.00). See manifest.json for licensing/attribution.*