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Credit analyst skills for your resume and career

Updated January 8, 2025
4 min read
Credit analyst example skills
Below we've compiled a list of the most critical credit analyst skills. We ranked the top skills for credit analysts based on the percentage of resumes they appeared on. For example, 12.4% of credit analyst resumes contained customer service as a skill. Continue reading to find out what skills a credit analyst needs to be successful in the workplace.

15 credit analyst skills for your resume and career

1. Customer Service

Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.

Here's how credit analysts use customer service:
  • Worked closely with customer service staff as a liaison between customer and sales representatives to develop and maintain excellent sales/credit relationships.
  • Processed credit applications to determine - Obtained and analyzed customer credit reports - Provided excellent customer service while exceeding daily quotas

2. Credit Analysis

Credit analysis is the process of evaluating a person's or company's ability to repay their debts.

Here's how credit analysts use credit analysis:
  • Implemented a fundamental approach to credit analysis including financial modeling, published research, analyst discussions and direct company contact.
  • Assist in preparing credit appraisal summary with appropriate recommendations for approval, rejection or amendments based on credit analysis.

3. Customer Accounts

Here's how credit analysts use customer accounts:
  • Analyzed customer accounts, obtained funds that were outstanding, and increased customer satisfaction through effective problem solving and account reconciliation.
  • Perform collections calls and establish written communications from a large portfolio of customer accounts using analysis and critical thinking skills.

4. Real Estate

Real estate is land that has buildings on it. This kind of property consists of permanent improvements either natural or man-made, which include, houses, fences, bridges, water trees, and minerals. There are 4 types of real estate namely; residential real estate, commercial real estate, industrial real estate, and vacant land.

Here's how credit analysts use real estate:
  • Prepared profitability models, real estate analysis, and forecast projections for all underwriting packages for the commercial lending department.
  • Analyze loan information, credit risk evaluation of real estate and corporate and institutional facilities reconcile and summarize.

5. Credit Risk

Credit risk entails the risk experienced by a lender from the possibility of losing money due to a borrower failing to repay or meet their obligations set out in a loan contract. Credit risk manifests in many forms including loans (the most popular), letters of credit, foreign exchange and lines of credit.

Here's how credit analysts use credit risk:
  • Credit Risk Analysis of Corporate Clients including evaluation of Business and Operational Risk, Ratio Analysis and Analysis of Financial Statements.
  • Prepared quality, detailed financial analysis including cash flow models and collateral evaluations in order to identify potential credit risks.

6. Strong Analytical

Here's how credit analysts use strong analytical:
  • Maximize revenue by balancing market penetration with sound risk management principles, demonstrating strong analytical skills and sound underwriting judgment.
  • Recognized for strong analytical and presentation skills.

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7. Credit Worthiness

Here's how credit analysts use credit worthiness:
  • Perform financial analysis on existing and new customers to determine credit worthiness eliminating potential losses by reviewing trend analysis of companies.
  • Determined credit worthiness and evaluated customer financial statements and other credit related information, set appropriate credit limits for customers.

8. Loan Portfolio

Here's how credit analysts use loan portfolio:
  • Charter Strategies helps financial institutions enhance loan portfolio performance and profitability while establishing and implementing enterprise risk management processes.
  • Analyzed loan portfolios through financial statement analysis, cash flow analysis, ratio analysis and documentation research.

9. Cash Flow

Here's how credit analysts use cash flow:
  • Analyzed financial statements, prepared cash flow projections and compiled business information to prepare commercial credit applications for loan committee review.
  • Performed sensitivity analysis on client's financial projections and conducted market-based valuations including enterprise valuations and discounted cash flow analysis.

10. Credit Limits

A credit limit is the maximum amount of credit that a financial institution or other lenders will grant to a debtor for a given line of credit at any given time without penalty. This is generally based on several factors including; individual circumstances, personal income, loan repayment history, creditworthiness, general financial condition, and other factors.

Here's how credit analysts use credit limits:
  • Evaluated customers' business condition and creditworthiness via financial statement analysis; Assigned and revised credit limits accordingly.
  • Prepared weekly reports and made recommendations to management suggesting actions such as credit limit reductions or collection procedures.

11. Risk Analysis

Here's how credit analysts use risk analysis:
  • Performed risk analysis underwriting for commercial credit card processing accounts to determine the financial worthiness and risk associated with new merchants.
  • Performed credit risk analysis on mortgage loan files with the ability to exercise discretion and independent judgment within assigned credit authority.

12. Credit Decisions

Here's how credit analysts use credit decisions:
  • Maintained excellent customer service standards while effectively communicating credit decisions to dealers to support TDAF's competitive advantage in the marketplace.
  • Determined creditworthiness based on ability, stability, willingness to repay loan, and provided customers with real-time credit decisions.

13. Excellent Interpersonal

Here's how credit analysts use excellent interpersonal:
  • Attended loan approval discussions and presented deals in committee Acknowledged for having excellent interpersonal, administrative and presentation skills

14. Financial Statement Analysis

Here's how credit analysts use financial statement analysis:
  • Detailed requests for credit approval included financial statement analysis, business history, collateral adequacy, credit background and management ability.
  • Prepare financial statement spreads and written financial statement analysis including evaluation of cash flow and collateral for commercial and consumer loans.

15. Tax Returns

Here's how credit analysts use tax returns:
  • Complete initial loan analysis including financial analysis of individual, corporate and entity statements and tax returns and operating financial statements.
  • Reviewed and analyzed mortgage modification applications with in-depth financial and property analysis of credit reports, tax returns and appraisals.
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What skills help Credit Analysts find jobs?

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List of credit analyst skills to add to your resume

Credit analyst skills

The most important skills for a credit analyst resume and required skills for a credit analyst to have include:

  • Customer Service
  • Credit Analysis
  • Customer Accounts
  • Real Estate
  • Credit Risk
  • Strong Analytical
  • Credit Worthiness
  • Loan Portfolio
  • Cash Flow
  • Credit Limits
  • Risk Analysis
  • Credit Decisions
  • Excellent Interpersonal
  • Financial Statement Analysis
  • Tax Returns
  • Due Diligence
  • Cash Flow Analysis
  • Credit Policy
  • Financial Data
  • Credit Approval
  • Commercial Banking
  • Past Due Accounts
  • Loan Documentation
  • Loan Applications
  • Commercial Loans
  • Credit Reviews
  • Loan Committee
  • SBA
  • Credit History
  • Financial Ratios
  • Bank Secrecy Act
  • Develop Financial Models
  • Financial Performance
  • Collection Calls
  • Outbound Calls
  • Credit Memos
  • Credit Hold
  • Customer Inquiries
  • Financial Statements
  • Financial Reports
  • Cash Application
  • Payment History
  • Credit Data
  • Credit Line Increases
  • Inbound Calls
  • Computer Programs
  • Industry Analysis
  • Credit Bureau Reports
  • Credit Terms

Updated January 8, 2025

Zippia Research Team
Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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