# Competences — credit manager

Source: ESCO v1.2.1 occupation-skill relations (http://data.europa.eu/esco/occupation/32fafe2c-0099-4852-889e-46614ce9a9ae).

## Essential

- **advise on financial matters** (skill/competence)
- **analyse financial performance of a company** (skill/competence)
- **analyse financial risk** (skill/competence)
- **analyse the credit history of potential customers** (skill/competence)
- **apply credit risk policy** (skill/competence)
- **corporate social responsibility** (knowledge)
- **create a financial plan** (skill/competence)
- **create credit policy** (skill/competence)
- **credit control processes** (knowledge)
- **debt collection techniques** (knowledge)
- **debt systems** (knowledge)
- **determine loan conditions** (skill/competence)
- **enforce financial policies** (skill/competence)
- **financial analysis** (knowledge)
- **financial management** (knowledge)
- **financial statements** (knowledge)
- **follow company standards** (skill/competence)
- **handle financial transactions** (skill/competence)
- **insolvency law** (knowledge)
- **liaise with managers** (skill/competence)
- **maintain records of financial transactions** (skill/competence)
- **manage financial risk** (skill/competence)
- **manage staff** (skill/competence)
- **obtain financial information** (skill/competence)
- **strive for company growth** (skill/competence)
- **synthesise financial information** (skill/competence)
- **trace financial transactions** (skill/competence)

## Optional

- advise on credit rating (skill/competence)
- analyse loans (skill/competence)
- analyse market financial trends (skill/competence)
- assess financial viability (skill/competence)
- banking activities (knowledge)
- budget for financial needs (skill/competence)
- business loans (knowledge)
- communicate with banking professionals (skill/competence)
- consult credit score (skill/competence)
- contract law (knowledge)
- ensure proper document management (skill/competence)
- examine credit ratings (skill/competence)
- investment analysis (knowledge)
- maintain client debt records (skill/competence)
- mortgage loans (knowledge)
- perform clerical duties (skill/competence)
- perform debt investigation (skill/competence)
- plan health and safety procedures (skill/competence)
- prepare credit reports (skill/competence)
- property law (knowledge)
- securities (knowledge)
- tax legislation (knowledge)

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## Market evidence (job-ad analysis, 16 ads, as of 2026-07-10)

Share of analyzed job ads mentioning the item (threshold ≥ 20 %). Source: JSearch/Adzuna APIs.

### Hard skills

- risk assessment — **44 %**
- accounts receivable management — **25 %**
- credit analysis — **25 %**
- data analysis — **25 %**
- financial statement analysis — **25 %**
- regulatory compliance — **19 %**

### Responsibilities

- credit limit establishment — **25 %**

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