What is Credit Analysis?
Credit analysis is the process of evaluating a person's or company's ability to repay their debts.
How is Credit Analysis used?
Zippia reviewed thousands of resumes to understand how credit analysis is used in different jobs. Explore the list of common job responsibilities related to credit analysis below:
- Conducted credit analysis including: gathering, analyzing and interpreting all types of credit information on existing and prospective customers
- Reviewed applicant credit analysis to determine quality and sufficiency in order to make proper recommendation for approval or decline.
- Evaluate completed loan applications, including performing credit analysis then submitting report to loan committee for approval/denial.
- Performed financial statement and credit analysis for issuance of credit; negotiated and secured at-risk accounts.
- Analyzed loans highlighting any issues or questions; prepared final credit analysis for Senior Management review
- Completed formal commercial credit training and acquired five years of employment involving commercial credit analysis.
Are Credit Analysis skills in demand?
Yes, credit analysis skills are in demand today. Currently, 1,928 job openings list credit analysis skills as a requirement. The job descriptions that most frequently include credit analysis skills are commercial credit analyst, special officer, and credit analyst.
How hard is it to learn Credit Analysis?
Based on the average complexity level of the jobs that use credit analysis the most: commercial credit analyst, special officer, and credit analyst. The complexity level of these jobs is challenging.
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What jobs can you get with Credit Analysis skills?
You can get a job as a commercial credit analyst, special officer, and credit analyst with credit analysis skills. After analyzing resumes and job postings, we identified these as the most common job titles for candidates with credit analysis skills.
Commercial Credit Analyst
Job description:
A commercial credit analyst is primarily in charge of assessing a client's credit or loan application, ensuring that they are fit to uphold financial obligations. Their responsibilities typically revolve around coordinating different departments to gather necessary client data, reviewing financial histories, verifying the authenticity of requirements, and developing financial profiles. Moreover, a commercial credit analyst may perform research and analysis to identify new business opportunities, produce progress and sales reports, monitor the payment progress of clients, and maintain a record of all transactions.
- Credit Analysis
- Customer Service
- Strong Analytical
- Real Estate
- Financial Statements
- Credit Worthiness
Special Officer
Job description:
A special officer, also known as a security guard, is responsible for handling security issues in their office. They may operate an x-ray or mental detector equipment. They also monitor premises to prevent theft, violence, and malfunctions.
- Real Estate
- Patrol
- Credit Analysis
- Criminal Justice
- Public Safety
- Financial Statements
Credit Analyst
Job description:
A credit analyst's role is to assess and determine a client's capacity to uphold financial obligations when applying for loans or credit programs. Working for creditors like banks and lending firms, a credit analyst must interpret and analyze financial data and personal records, identify inconsistencies and risks, and verify necessary documentation in support of loan committees. Furthermore, a credit analyst must also perform administrative tasks such as preparing reports and applications, fulfilling document requests, reaching out to clients, and coordinating with colleagues to assure accuracy in all operations.
- Customer Service
- Credit Analysis
- Customer Accounts
- Real Estate
- Credit Risk
- Strong Analytical
Senior Credit Manager
Job description:
Senior credit managers are financial professionals who are responsible for overseeing the credit granting process for a financial institution. These managers are required to develop risk management solution strategies so that the institution can maintain risk and improve profitability. They must screen the credit history of applicants as well as to conduct interviews to minimize credit risk and potential monetary loss. They must also conduct credit analysis and financial risk evaluations by gathering and analyzing all types of credit information on new and existing customers.
- Risk Management
- Credit Risk
- Credit Analysis
- Financial Statements
- Credit Policy
- Credit Decisions
Senior Credit Analyst
Job description:
A senior credit analyst is responsible for reviewing the loan applications of an individual and organization, determining their eligibility by evaluating their credit scores and financial history. Senior credit analysts assess the applicant's capability to pay according to terms and conditions and loan payment plans. They submit recommendation reports of qualified applicants for further investigation and have them submit additional documents as needed. A senior credit analyst decides on credit limits and may provide the applicants' loan and credit alternatives, requiring them to have excellent knowledge of the financial industry and loan options.
- Credit Analysis
- Customer Service
- Real Estate
- Risk Management
- Credit Risk
- Loan Portfolio
Credit Analyst Internship
Job description:
A credit analyst intern is responsible for assisting the credit analysts in gathering information and documents of an individual and company to determine their eligibility for credit services. Credit analyst interns shadow tenured credit analysts with their reviews on the applicant's financial statements and credit history, where they could file approval reports as advised. They also perform administrative tasks, such as responding to the clients' inquiries and concerns, reaching out to the applicants for updates on their applications, and requesting additional statements as needed by the analysts.
- Strong Analytical
- SAS
- Credit Analysis
- PowerPoint
- Credit Risk
- Financial Performance
Credit Department Manager
- Customer Service
- Financial Statement Analysis
- Loan Portfolio
- Credit Analysts
- Credit Analysis
- Performance Reviews
Commercial Lender
Job description:
A commercial lender is in charge of handling and processing business loan applications, ensuring accuracy and smooth workflow. Their responsibilities typically revolve around liaising with company representatives to identify their needs, gathering and verifying applications, providing consultations and recommendations, and negotiating contracts and payment arrangements. They must also keep track of all amendments and processes, maintaining records of all transactions. Furthermore, as a commercial lender, it is essential to build positive relationships with clients, all while adhering to the company's policies and regulations.
- Commercial Loans
- Customer Relationships
- Loan Applications
- Loan Portfolio
- Credit Analysis
- Bank Products
Commercial Underwriter
Job description:
A commercial underwriter is responsible for processing commercial loan applications, evaluating payment agreements and terms of service, validating customers' information, and requesting additional documents as needed. Commercial underwriters analyze the credit qualifications of an applicant, including financial history, account statements, and outstanding loan applications, if any. They identify potential credit risks for the loan request and advice the applicants for alternative loan options according to their needs and qualifications. A commercial underwriter responds to the applicants' inquiries and concerns regarding their loan applications and provides timely decisions for their requests.
- Real Estate
- Customer Service
- Financial Analysis
- Credit Analysis
- Cash Flow
- Risk Management
Credit Officer
Job description:
A credit officer is responsible for evaluating financial documents and account statements to determine the eligibility of an applicant for a loan option. Credit officers communicate with the applicant to discuss the loan process, explain the terms of service, and provide them alternative options that would fit their payment ability and loan needs. They create financial reports and recommend the qualified applicant to the manager for approval. A credit officer should have excellent communication and analytical skills, ensuring that the loan policies adhere to the federal and state regulations.
- Risk Management
- Credit Risk
- Credit Analysis
- Real Estate
- Credit Approval
- Portfolio Management
How much can you earn with Credit Analysis skills?
You can earn up to $66,482 a year with credit analysis skills if you become a commercial credit analyst, the highest-paying job that requires credit analysis skills. Special officers can earn the second-highest salary among jobs that use Python, $37,839 a year.
| Job title | Average salary | Hourly rate |
|---|---|---|
| Commercial Credit Analyst | $66,482 | $32 |
| Special Officer | $37,839 | $18 |
| Credit Analyst | $61,422 | $30 |
| Senior Credit Manager | $133,806 | $64 |
| Senior Credit Analyst | $86,364 | $42 |
Companies using Credit Analysis in 2025
The top companies that look for employees with credit analysis skills are U.S. Bank, Republic Services, and S&P; Global. In the millions of job postings we reviewed, these companies mention credit analysis skills most frequently.
| Rank | Company | % of all skills | Job openings |
|---|---|---|---|
| 1 | U.S. Bank | 12% | 2,167 |
| 2 | Republic Services | 9% | 1,806 |
| 3 | S&P Global | 7% | 1,549 |
| 4 | BMO Capital Markets | 6% | 770 |
| 5 | Citi | 6% | 1,228 |
Departments using Credit Analysis
The departments that use credit analysis the most are it, finance, and facilities.
| Department | Average salary |
|---|---|
| IT | $87,013 |
| Finance | $65,139 |
| Facilities | $48,726 |
4 courses for Credit Analysis skills
1. Intro to Commercial Credit Analysis, Credit Risk and Lending
A comprehensive course designed to furnish credit professionals to make commercial lending decisions based on conclusion-based analysis. Participants will develop their analytical skills through the application of a logically structured framework which we present. Starting with the identification of the deal and credit structure, it logically works through the analysis process from business risk to financial risk then to structural risk. In addition, it will compare and contrast different industry dynamics. This course contains 42 lectures across 8 sections, introducing and then covering each concept in-depth and providing examples. More about this course and StarweaverThis course is led by a seasoned commercial and corporate credit industry practitioner and executive with many years of hands-on, in-the-trenches risk analyst work. It has been designed, produced and delivered by Starweaver. Starweaver is one of the most highly regarded, well-established training providers in the world, providing training courses to many of the leading financial institutions and technology companies, including: Ahli United Bank; Mashreqbank; American Express; ANZ Bank; ATT; Banco Votorantim; Bank of America; Bank of America Global Markets; Bank of America Private Bank; Barclay Bank; BMO Financial Group; BMO Financial Services; BNP Paribas; Boeing; Cigna; Citibank; Cognizant; Commerzbank; Credit Lyonnais/Calyon; Electrosonic; Farm Credit Administration; Fifth Third Bank; GENPACT; GEP Software; GLG Group; Hartford; HCL; HCL; Helaba; HSBC; HSBC Corporate Bank; HSBC India; HSBC Private Bank; Legal & General; National Australia Bank; Nomura Securities; PNC Financial Services Group; Quintiles; RAK Bank; Regions Bank; Royal Bank of Canada; Royal Bank of Scotland; Santander Corporate Bank; Tata Consultancy Services; Union Bank; ValueMomentum; Wells Fargo; Wells Fargo India Solutions; Westpac Corporate Bank; Wipro; and, many others. Starweaver has and continues to deliver 1000s of live in-person and online education for organizational training programs for new hires and induction, as well as mid-career and senior-level immersion and leadership courses. If you are looking for live streaming education or want to understand what courses might be best for you in technology or business, just google: starweaver journey builder starweaver[dot]comHappy learning...
2. Banking Credit Analysis Process (for Bankers)
Are you struggling in understanding banking credit related matters like Financial Ratio Analysis, Cash Flow and Fund Flow Analysis, Working Capital Assessment and products like Cash Credit, Letter of Credit, Bank Guarantee, Buyers Credit, Term Loan appraisal covering Debt Equity Analysis, DSCR, FOIR, etc.? Are you a Finance Professional working on Project Funding for your clients? Are you finding it difficult to write down a comprehensive loan proposal? Are you a Banker aspiring to rise to top in your career? Then this course is for you - Banking Credit Analysis Process. Why you should take this course?Credit Analysis is the core process adopted by any Bank to understand, evaluate and appreciate about the Customers Identity, Integrity, Financial Position, - Repayment Capacity, Etc. Every Banker should be thorough with Credit Analysis Process because day in day out they have to deal with new customers and before sanctioning any new loans to them, Banker should have made detailed study of their customers. No Banker can raise to top unless he becomes conversant with Credit Analysis Process. Bank would generally throw employees on to the job before they get opportunity to be trained. This is with more specific reference to Credit Analysis where Bankers should under detailed learning process, else their mistakes in the process will be Very Costly beyond their manageable Position. Hence, this course will provide platform to Bankers to have fall back reference on the Critical Aspects of Credit Analysis Process. Banking/ Management Consultants can also use this course for the equipping themselves to the expectations of the Bankers while handling Credit Proposals. By taking this course, you will be able to Write Bank Loan Proposals with better clarity and confidence. You will understand various technical matters written in Bank Loan Proposals. What you will learn by taking this course?By taking this course, you will be exposed toSec 1 - Introduction to Credit AnalysisSec 2 - Financial Statements reading skillSec 3 - How to write Loan Proposal - IntroductionSec 4 - Financial Ratio AnalysisSec 5 - Performance and Financial Indicators Analysis in Loan ProposalSec 6 - Fund Flow Analysis for Identifying Diversion of FundsSec 7 - Cash Flow Analysis for Understanding Cash Generation and MovementSec 8 - Inter-firm Comparison, Internal & External Rating and Review of Conduct of AccountsSec 9 - Review of Audit Reports, Compliances, Contingencies and Risk FactorsSec 10 - Finer Pricing, Review of Defaulters List & Loan PolichySec 11 - Types of Business LoansSec 12 - Working CapitalSec 13 - Cash CreditSec 14 - Non Fund Based Credit FacilitiesSec 15 - Letter of CreditSec 16 - Bank GuaranteeSec 17 - Project ReportSec 18 - Term Loan AppraisalSec 19 - DSCR & FOIR Computation in Term LoanSec 20 - Break Even AnalysisSec 21 - Sensitivity AnalysisSec 22 - Credit RatingSec 23 - Credit ScoringSec 24 - Key Analysis by BankersSec 25 - Marginal Cost of Funds based Lending Rate (MCLR)Sec 26 - Export CreditSec 27 - Terms of Payment in Export TransactionsSec 28 - Export FinanceSec 29 - CMA (Credit Monitoring Arrangement)Sec 30 - Computerised Accounting SystemSec 31 - Banking OperationsSec 32 - Operational Aspects of KYCSec 33 - Loan AccountsSec 34 - QuizSec 35 - Import FinanceSec 36- Other Banking Products How this course is structured?This course is structured in self paced learning style. Each and every section of this course is broken down as various micro lectures and then they are substantiated with examples and case studies. Several real world examples are used in this course through case studies. You'll gain authority on each and every topic as i take you through lectures one by one. This course is presented in simple language with examples. This course has video lectures (with writings on Black / Green Board / Note book / Talking head, etc). You would feel you are attending a real class. What are the pre-requisites for taking this course?You would require good internet connection for interruption free learning process - You can approach this course with fresh mind. How this course will benefit you?At the end of the course, you will be able to approach credit related matters in your bank with high level of confidence and solve real life problems at ease...
3. Credit Risk Analysis and Rating (For Bankers)
- English subtitle (Customized) is available for the entire course. Don't forget to turn it on as and when needed. Dear Bankers, Are you someone who is new to credit?Are you someone who has the responsibility of handling large credit but don't have the necessary training to handle it confidently?If you aspire to enter into the Credit Vertical of your bank that may be appraisal, rating, monitoring then please note that now it is mandatory to complete at least one of the credit certificates recognized by RBI and Certificate in Commercial Credit from Moody's Analytics and Certified Credit Professional from IIBF are two of those. This course is intended to provide you a launching pad for those certificate programs. We intend to cover these certificates in four separate courses and this is the first of the four. We have carefully designed the course to keep it as concise as possible, covering the crucial concepts with real life examples. We have correlated the learnings with practical experience from branch banking so that you realize the implications of the concepts you are learning. What will you get out of this course?Get the foundation to credit risk analysisBe confident in deciding the right borrower depending on its risk profileHow to correctly structure a credit dealBe better prepared to appear for credit certifications of Moody's Analytics or IIBFExtensive practice test to test your understandingWho is this course for?Bankers handling creditAnyone preparing for mandatory credit certifications of RBIWhy should you enroll to this course?This course is meant to give an holistic idea of credit risk analysis and credit rating. It begins from the origin of credit risk analysis from BASEL II, why credit risk analysis is crucial and how it is related to the steps of credit lending. It explains industry and business risk, management risk using practical examples. Financial risk is explained using real excel used in banks and practical guidance is provided on how to read and infer from the values. Loss Given Default (LGD) and Exposure at Default (EAD) is explained using simple words in facility risk rating. Finally there is practical guidance on how to structure a credit deal in a way that there are safeguards if anything goes wrong with the lendingThis tutorial is meant for anyone new in credit department or even new branch managers. What this course covers?The Starting PointThe Origin of Credit Risk and Risk Calculation ApproachesWhat are Obligor Risk and Facility Risks ( PD, LGD, EAD)How ratings are done and why external ratings importantRelationship of Credit Ratings with other aspects of creditCredit Risk Analysis and Credit Lending - RelationshipIndustry and Business RiskReal examples of how external factors affect the industry and business riskIndustry risk position of a few common industriesLife Cycles of businesses and industryFactors affecting industry and business risk - with real life examplesManagement RiskReal life case study of assessing management riskFactors determining management risk using real examplesFinancial RiskRatio Analysis, Assessment of loan and Facility Structure- How they are different but connectedLiquidity RatiosTurn Over RatioNon Ratio terminologies - Tangible Net Worth, Adjusted/Effective Tangible Net Worth, Quasi Equity, Capital expenditureSolvency Ratio/ Leverage ratio and understanding Liquidity/ Solvency MatrixCoverage ratiosProfitability RatiosProjections- What to accept and what to not?Facility RiskFactors determining Loss Given Default (LGD)Exposure at Default (EAD)Deal Structure and Internal Monitoring PlanDeal Structure Vs Facility Structure - DifferenceUnderstanding Deal StructureFactors determining a good deal structureDeal Structure Creation and implementationInternal Monitoring PlanCovenants for sanctionPractice TestMore than 100 questions to test your understandingWho this course is for: Credit OfficersBranch managersAspirants of credit certifications of Moody's Analytics or IIBF...
4. Test your Knowledge in Banking Credit Analysis Process
Welcome to this course on Test your Knowledge in Banking Credit Analysis Process. This is a Practice Test course only and you can test your knowledge on the various topics. Each and every section will have various questions framed as Multiple Choice Questions. You will be given a time frame and cut off marks for clearing the course. You can expect questions on the following topics: a) Financial Statements b) Ratio Analysis c) Cash Flow and Fund Flow Analysis d) Term Loan Appraisal e) Working Capital Management f) LC and BG...