Credit Analysts

Job Zone

Job Zone Four: Considerable Preparation Needed

Most of these occupations require a four-year bachelor's degree, but some do not.

Job Zones group occupations into one of five categories based on the education, experience, and training typically needed to perform them.

Tasks

Specific duties and responsibilities regularly performed in this occupation.

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.98
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.94
Generate financial ratios, using computer programs, to evaluate customers' financial status.89
Prepare reports that include the degree of risk involved in extending credit or lending money.89
Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.88
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.81
Contact customers to collect payments on delinquent accounts.75
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.67
Review individual or commercial customer files to identify and select delinquent accounts for collection.58
Consult with customers to resolve complaints and verify financial and credit transactions.52
Confer with credit association and other business representatives to exchange credit information.52

Skills

Developed capacities that facilitate learning or the more rapid acquisition of knowledge.

Critical Thinking72
Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
Active Learning66
Understanding the implications of new information for both current and future problem-solving and decision-making.
Reading Comprehension66
Understanding written sentences and paragraphs in work-related documents.
Speaking66
Talking to others to convey information effectively.
Active Listening63
Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Mathematics60
Using mathematics to solve problems.
Judgment and Decision Making53
Considering the relative costs and benefits of potential actions to choose the most appropriate one.
Writing53
Communicating effectively in writing as appropriate for the needs of the audience.
Complex Problem Solving50
Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
Monitoring50
Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
Service Orientation50
Actively looking for ways to help people.
Social Perceptiveness50
Being aware of others' reactions and understanding why they react as they do.

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Time Management50
Managing one's own time and the time of others.
Systems Analysis44
Determining how a system should work and how changes in conditions, operations, and the environment will affect outcomes.
Systems Evaluation44
Identifying measures or indicators of system performance and the actions needed to improve or correct performance, relative to the goals of the system.
Coordination41
Adjusting actions in relation to others' actions.
Operations Analysis38
Analyzing needs and product requirements to create a design.
Learning Strategies35
Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things.
Negotiation35
Bringing others together and trying to reconcile differences.
Persuasion35
Persuading others to change their minds or behavior.
Instructing28
Teaching others how to do something.
Management of Financial Resources25
Determining how money will be spent to get the work done, and accounting for these expenditures.
Management of Personnel Resources25
Motivating, developing, and directing people as they work, identifying the best people for the job.
Management of Material Resources19
Obtaining and seeing to the appropriate use of equipment, facilities, and materials needed to do certain work.
Operations Monitoring19
Watching gauges, dials, or other indicators to make sure a machine is working properly.
Programming16
Writing computer programs for various purposes.
Quality Control Analysis16
Conducting tests and inspections of products, services, or processes to evaluate quality or performance.
Science10
Using scientific rules and methods to solve problems.
Operation and Control6
Controlling operations of equipment or systems.
Equipment Maintenance0
Performing routine maintenance on equipment and determining when and what kind of maintenance is needed.
Equipment Selection0
Determining the kind of tools and equipment needed to do a job.
Installation0
Installing equipment, machines, wiring, or programs to meet specifications.
Repairing0
Repairing machines or systems using the needed tools.
Technology Design0
Generating or adapting equipment and technology to serve user needs.
Troubleshooting0
Determining causes of operating errors and deciding what to do about it.

Knowledge

Organized sets of principles and facts that apply in general domains.

Economics and Accounting88
Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
English Language73
Knowledge of the structure and content of the English language including the meaning and spelling of words, and rules of composition and grammar.
Mathematics73
Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
Law and Government57
Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
Administrative50
Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.
Computers and Electronics46
Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
Customer and Personal Service46
Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
Administration and Management45
Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
Production and Processing29
Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.
Education and Training28
Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.
Communications and Media26
Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.
Sales and Marketing26
Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

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Building and Construction20
Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.
Geography20
Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.
Public Safety and Security20
Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.
Personnel and Human Resources15
Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.
Telecommunications15
Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.
Sociology and Anthropology14
Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.
History and Archeology13
Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.
Psychology11
Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.
Design8
Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.
Engineering and Technology8
Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.
Philosophy and Theology8
Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.
Medicine and Dentistry6
Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.
Transportation6
Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.
Foreign Language5
Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.
Mechanical4
Knowledge of machines and tools, including their designs, uses, repair, and maintenance.
Physics3
Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.
Therapy and Counseling3
Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.
Biology1
Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.
Chemistry1
Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.
Fine Arts1
Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.
Food Production1
Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.

Abilities

Enduring attributes of the individual that influence performance.

Oral Expression75
The ability to communicate information and ideas in speaking so others will understand.
Inductive Reasoning72
The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
Oral Comprehension72
The ability to listen to and understand information and ideas presented through spoken words and sentences.
Written Comprehension72
The ability to read and understand information and ideas presented in writing.
Deductive Reasoning69
The ability to apply general rules to specific problems to produce answers that make sense.
Mathematical Reasoning69
The ability to choose the right mathematical methods or formulas to solve a problem.
Number Facility69
The ability to add, subtract, multiply, or divide quickly and correctly.
Problem Sensitivity69
The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing that there is a problem.
Information Ordering66
The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
Near Vision66
The ability to see details at close range (within a few feet of the observer).
Written Expression60
The ability to communicate information and ideas in writing so others will understand.
Speech Recognition56
The ability to identify and understand the speech of another person.

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Category Flexibility53
The ability to generate or use different sets of rules for combining or grouping things in different ways.
Speech Clarity53
The ability to speak clearly so others can understand you.
Flexibility of Closure50
The ability to identify or detect a known pattern (a figure, object, word, or sound) that is hidden in other distracting material.
Perceptual Speed50
The ability to quickly and accurately compare similarities and differences among sets of letters, numbers, objects, pictures, or patterns. The things to be compared may be presented at the same time or one after the other. This ability also includes comparing a presented object with a remembered object.
Fluency of Ideas47
The ability to come up with a number of ideas about a topic (the number of ideas is important, not their quality, correctness, or creativity).
Selective Attention47
The ability to concentrate on a task over a period of time without being distracted.
Speed of Closure44
The ability to quickly make sense of, combine, and organize information into meaningful patterns.
Originality41
The ability to come up with unusual or clever ideas about a given topic or situation, or to develop creative ways to solve a problem.
Memorization35
The ability to remember information such as words, numbers, pictures, and procedures.
Far Vision25
The ability to see details at a distance.
Finger Dexterity25
The ability to make precisely coordinated movements of the fingers of one or both hands to grasp, manipulate, or assemble very small objects.
Time Sharing25
The ability to shift back and forth between two or more activities or sources of information (such as speech, sounds, touch, or other sources).
Visualization22
The ability to imagine how something will look after it is moved around or when its parts are moved or rearranged.
Auditory Attention19
The ability to focus on a single source of sound in the presence of other distracting sounds.
Visual Color Discrimination19
The ability to match or detect differences between colors, including shades of color and brightness.
Arm-Hand Steadiness16
The ability to keep your hand and arm steady while moving your arm or while holding your arm and hand in one position.
Hearing Sensitivity16
The ability to detect or tell the differences between sounds that vary in pitch and loudness.
Manual Dexterity16
The ability to quickly move your hand, your hand together with your arm, or your two hands to grasp, manipulate, or assemble objects.
Trunk Strength13
The ability to use your abdominal and lower back muscles to support part of the body repeatedly or continuously over time without "giving out" or fatiguing.
Control Precision10
The ability to quickly and repeatedly adjust the controls of a machine or a vehicle to exact positions.
Depth Perception10
The ability to judge which of several objects is closer or farther away from you, or to judge the distance between you and an object.
Wrist-Finger Speed6
The ability to make fast, simple, repeated movements of the fingers, hands, and wrists.
Dynamic Flexibility0
The ability to quickly and repeatedly bend, stretch, twist, or reach out with your body, arms, and/or legs.
Dynamic Strength0
The ability to exert muscle force repeatedly or continuously over time. This involves muscular endurance and resistance to muscle fatigue.
Explosive Strength0
The ability to use short bursts of muscle force to propel oneself (as in jumping or sprinting), or to throw an object.
Extent Flexibility0
The ability to bend, stretch, twist, or reach with your body, arms, and/or legs.
Glare Sensitivity0
The ability to see objects in the presence of a glare or bright lighting.
Gross Body Coordination0
The ability to coordinate the movement of your arms, legs, and torso together when the whole body is in motion.
Gross Body Equilibrium0
The ability to keep or regain your body balance or stay upright when in an unstable position.
Multilimb Coordination0
The ability to coordinate two or more limbs (for example, two arms, two legs, or one leg and one arm) while sitting, standing, or lying down. It does not involve performing the activities while the whole body is in motion.
Night Vision0
The ability to see under low-light conditions.
Peripheral Vision0
The ability to see objects or movement of objects to one's side when the eyes are looking ahead.
Rate Control0
The ability to time your movements or the movement of a piece of equipment in anticipation of changes in the speed and/or direction of a moving object or scene.
Reaction Time0
The ability to quickly respond (with the hand, finger, or foot) to a signal (sound, light, picture) when it appears.
Response Orientation0
The ability to choose quickly between two or more movements in response to two or more different signals (lights, sounds, pictures). It includes the speed with which the correct response is started with the hand, foot, or other body part.
Sound Localization0
The ability to tell the direction from which a sound originated.
Spatial Orientation0
The ability to know your location in relation to the environment or to know where other objects are in relation to you.
Speed of Limb Movement0
The ability to quickly move the arms and legs.
Stamina0
The ability to exert yourself physically over long periods of time without getting winded or out of breath.
Static Strength0
The ability to exert maximum muscle force to lift, push, pull, or carry objects.

Work Activities

General types of job behaviors occurring on multiple jobs.

Analyzing Data or Information91
Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.
Getting Information90
Observing, receiving, and otherwise obtaining information from all relevant sources.
Working with Computers86
Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
Processing Information85
Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.
Communicating with Supervisors, Peers, or Subordinates81
Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
Making Decisions and Solving Problems76
Analyzing information and evaluating results to choose the best solution and solve problems.
Updating and Using Relevant Knowledge71
Keeping up-to-date technically and applying new knowledge to your job.
Interpreting the Meaning of Information for Others70
Translating or explaining what information means and how it can be used.
Establishing and Maintaining Interpersonal Relationships69
Developing constructive and cooperative working relationships with others, and maintaining them over time.
Evaluating Information to Determine Compliance with Standards69
Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.
Organizing, Planning, and Prioritizing Work66
Developing specific goals and plans to prioritize, organize, and accomplish your work.
Identifying Objects, Actions, and Events64
Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.

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Documenting/Recording Information63
Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
Training and Teaching Others50
Identifying the educational needs of others, developing formal educational or training programs or classes, and teaching or instructing others.
Coaching and Developing Others49
Identifying the developmental needs of others and coaching, mentoring, or otherwise helping others to improve their knowledge or skills.
Communicating with People Outside the Organization49
Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.
Judging the Qualities of Objects, Services, or People49
Assessing the value, importance, or quality of things or people.
Monitoring Processes, Materials, or Surroundings46
Monitoring and reviewing information from materials, events, or the environment, to detect or assess problems.
Guiding, Directing, and Motivating Subordinates41
Providing guidance and direction to subordinates, including setting performance standards and monitoring performance.
Performing Administrative Activities41
Performing day-to-day administrative tasks such as maintaining information files and processing paperwork.
Developing and Building Teams40
Encouraging and building mutual trust, respect, and cooperation among team members.
Providing Consultation and Advice to Others40
Providing guidance and expert advice to management or other groups on technical, systems-, or process-related topics.
Resolving Conflicts and Negotiating with Others40
Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.
Thinking Creatively40
Developing, designing, or creating new applications, ideas, relationships, systems, or products, including artistic contributions.
Developing Objectives and Strategies38
Establishing long-range objectives and specifying the strategies and actions to achieve them.
Estimating the Quantifiable Characteristics of Products, Events, or Information38
Estimating sizes, distances, and quantities; or determining time, costs, resources, or materials needed to perform a work activity.
Scheduling Work and Activities38
Scheduling events, programs, and activities, as well as the work of others.
Coordinating the Work and Activities of Others33
Getting members of a group to work together to accomplish tasks.
Selling or Influencing Others30
Convincing others to buy merchandise/goods or to otherwise change their minds or actions.
Staffing Organizational Units24
Recruiting, interviewing, selecting, hiring, and promoting employees in an organization.
Performing for or Working Directly with the Public21
Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests.
Monitoring and Controlling Resources19
Monitoring and controlling resources and overseeing the spending of money.
Assisting and Caring for Others16
Providing personal assistance, medical attention, emotional support, or other personal care to others such as coworkers, customers, or patients.
Inspecting Equipment, Structures, or Materials16
Inspecting equipment, structures, or materials to identify the cause of errors or other problems or defects.
Controlling Machines and Processes11
Using either control mechanisms or direct physical activity to operate machines or processes (not including computers or vehicles).
Handling and Moving Objects6
Using hands and arms in handling, installing, positioning, and moving materials, and manipulating things.
Performing General Physical Activities6
Performing general physical activities includes doing activities that require considerable use of your arms and legs and moving your whole body, such as climbing, lifting, balancing, walking, stooping, and handling materials.
Drafting, Laying Out, and Specifying Technical Devices, Parts, and Equipment4
Providing documentation, detailed instructions, drawings, or specifications to tell others about how devices, parts, equipment, or structures are to be fabricated, constructed, assembled, modified, maintained, or used.
Operating Vehicles, Mechanized Devices, or Equipment1
Running, maneuvering, navigating, or driving vehicles or mechanized equipment, such as forklifts, passenger vehicles, aircraft, or watercraft.
Repairing and Maintaining Electronic Equipment1
Servicing, repairing, calibrating, regulating, fine-tuning, or testing machines, devices, and equipment that operate primarily on the basis of electrical or electronic (not mechanical) principles.
Repairing and Maintaining Mechanical Equipment0
Servicing, repairing, adjusting, and testing machines, devices, moving parts, and equipment that operate primarily on the basis of mechanical (not electronic) principles.

Work Styles

Personal characteristics that can affect how well someone performs a job.

Attention to Detail100
A tendency to be detail-oriented, organized, and thorough in completing work.
Dependability87
A tendency to be reliable, responsible, and consistent in meeting work-related obligations.
Cautiousness82
A tendency to be careful, deliberate, and risk-avoidant when making work-related decisions or doing work.
Integrity82
A tendency to be honest and ethical at work.
Intellectual Curiosity69
A tendency to seek out and acquire new work-related knowledge and obtain a deep understanding of work-related subjects.
Achievement Orientation59
A tendency to establish and maintain personally challenging work-related goals, set high work-related standards, and exert high effort toward meeting those goals and standards.
Perseverance58
A tendency to exhibit determination and resolve to perform or complete tasks in the face of difficult circumstances or obstacles at work.
Self-Confidence48
A tendency to believe in one's work-related capabilities and ability to control one's work-related outcomes.
Self-Control47
A tendency to remain calm and composed and to manage emotions effectively in response to criticism or difficult situations at work.
Stress Tolerance42
A tendency to cope and function effectively in stressful situations at work.
Initiative32
A tendency to be proactive and take on extra responsibilities and tasks that may fall outside of one's required work role.
Cooperation29
A tendency to be pleasant, helpful, and willing to assist others at work.

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Innovation22
A tendency to be inventive, to be imaginative, and to adopt new perspectives on ways to accomplish work.
Social Orientation22
A tendency to seek out, enjoy, and be energized by social interaction at work.
Adaptability21
A tendency to be open to and comfortable with change, new experiences, or ideas at work.
Sincerity20
A tendency to be genuine and sincere in interactions with others at work, without concern for personal gain or self-interest.
Empathy10
A tendency to show concern for others and be sensitive to others' needs and feelings at work.
Tolerance for Ambiguity10
A tendency to be comfortable with ambiguity and uncertainty at work.
Leadership Orientation7
A tendency to lead, take charge, offer opinions, and provide direction at work.
Humility4
A tendency to be modest and humble when interacting with others at work.

Interests (RIASEC)

Holland's six occupational interest types (RIASEC) this work tends to attract.

Conventional98
Work involves following procedures and regulations to organize information or data, typically in a business setting. Conventional occupations are often associated with office work, accounting, mathematics/statistics, information technology, finance, or human resources.
Enterprising59
Work involves managing, negotiating, marketing, or selling, typically in a business setting, or leading or advising people in political and legal situations. Enterprising occupations are often associated with business initiatives, sales, marketing/advertising, finance, management/administration, professional advising, public speaking, politics, or law.
Investigative47
Work involves studying and researching non-living objects, living organisms, disease or other forms of impairment, or human behavior. Investigative occupations are often associated with physical, life, medical, or social sciences, and can be found in the fields of humanities, mathematics/statistics, information technology, or health care service.
Social24
Work involves helping, teaching, advising, assisting, or providing service to others. Social occupations are often associated with social, health care, personal service, teaching/education, or religious activities.
Artistic0
Work involves creating original visual artwork, performances, written works, food, or music for a variety of media, or applying artistic principles to the design of various objects and materials. Artistic occupations are often associated with visual arts, applied arts and design, performing arts, music, creative writing, media, or culinary art.
Realistic0
Work involves designing, building, or repairing of equipment, materials, or structures, engaging in physical activity, or working outdoors. Realistic occupations are often associated with engineering, mechanics and electronics, construction, woodworking, transportation, machine operation, agriculture, animal services, physical or manual labor, athletics, or protective services.

Work Context

Physical and social factors that influence the nature of work.

E-Mail
- Every day100%
Indoors, Environmentally Controlled
- Every day100%
Spend Time Sitting
- Continually or almost continually85%
- More than half the time15%
Face-to-Face Discussions with Individuals and Within Teams
- Every day79%
- Once a week or more but not every day16%
Telephone Conversations
- Every day68%
- Once a week or more but not every day32%
Importance of Being Exact or Accurate
- Extremely important60%
- Very important30%
Determine Tasks, Priorities and Goals
- A lot of freedom30%
- Some freedom60%
Time Pressure
- Every day25%
- Once a week or more but not every day70%
Importance of Repeating Same Tasks
- Extremely important50%
- Very important30%
Written Letters and Memos
- Every day53%
- Once a week or more but not every day21%
- Once a month or more but not every week16%
- Never11%
Duration of Typical Work Week
- More than 40 hours50%
- 40 hours50%
Freedom to Make Decisions
- A lot of freedom35%
- Some freedom25%
- Limited freedom20%
- Very little freedom20%

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Contact With Others
- Constant contact with others25%
- Contact with others most of the time40%
- Contact with others about half the time15%
- Occasional contact with others20%
Frequency of Decision Making
- Every day40%
- Once a week or more but not every day25%
- Once a year or more but not every month15%
Work With or Contribute to a Work Group or Team
- Extremely important11%
- Very important39%
- Important28%
- Fairly important22%
Impact of Decisions on Co-workers or Company Results
- Very important results15%
- Important results40%
- Moderate results20%
- Minor results15%
Level of Competition
- Highly competitive20%
- Moderately competitive60%
- Slightly competitive15%
Spend Time Making Repetitive Motions
- Continually or almost continually20%
- More than half the time30%
- About half the time15%
- Never30%
Physical Proximity
- Moderately close (at arm's length)25%
- Slightly close (e.g., shared office)35%
- I work with others but not closely (e.g., private office)35%
Consequence of Error
- Very serious20%
- Serious20%
- Fairly serious40%
- Not serious at all15%
Conflict Situations
- Once a month or more but not every week35%
- Once a year or more but not every month45%
Exposed to Sounds, Noise Levels that are Distracting or Uncomfortable
- Every day20%
- Once a month or more but not every week15%
- Once a year or more but not every month20%
- Never40%
Coordinate or Lead Others in Accomplishing Work Activities
- Important20%
- Fairly important50%
- Not important at all15%
Deal With External Customers or the Public in General
- Important25%
- Fairly important40%
- Not important at all20%
Degree of Automation
- Moderately automated35%
- Slightly automated55%
Public Speaking
- Once a week or more but not every day15%
- Once a year or more but not every month50%
- Never20%
Work Outcomes and Results of Other Workers
- Moderate responsibility20%
- Limited responsibility50%
- No responsibility25%
Dealing With Unpleasant, Angry, or Discourteous People
- Once a year or more but not every month75%
- Never15%
Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls
- Continually or almost continually15%
- Never70%
Spend Time Standing
- Less than half the time63%
- Never37%
Health and Safety of Other Workers
- Limited responsibility30%
- No responsibility65%
In an Enclosed Vehicle or Operate Enclosed Equipment
- Once a year or more but not every month25%
- Never70%
Spend Time Walking or Running
- Less than half the time30%
- Never70%
Exposed to Extremely Bright or Inadequate Lighting Conditions
- Never90%
Spend Time Bending or Twisting Your Body
- Never85%
Work Schedules
- Regular (established routine, set schedule)95%
Outdoors, Exposed to All Weather Conditions
- Never89%
Exposed to Cramped Work Space, Awkward Positions
- Once a year or more but not every month11%
- Never89%
Exposed to Contaminants
- Never95%
Exposed to High Places
- Never95%
Exposed to Very Hot or Cold Temperatures
- Never95%
Indoors, Not Environmentally Controlled
- Never95%
Outdoors, Under Cover
- Never95%
Pace Determined by Speed of Equipment
- Not important at all95%
Spend Time Kneeling, Crouching, Stooping, or Crawling
- Never95%
Dealing with Violent or Physically Aggressive People
- Never100%
Exposed to Disease or Infections
- Never100%
Exposed to Hazardous Conditions
- Never100%
Exposed to Hazardous Equipment
- Never100%
Exposed to Minor Burns, Cuts, Bites, or Stings
- Never100%
Exposed to Radiation
- Never100%
Exposed to Whole Body Vibration
- Never100%
In an Open Vehicle or Operating Equipment
- Never100%
Spend Time Climbing Ladders, Scaffolds, or Poles
- Never100%
Spend Time Keeping or Regaining Balance
- Never100%
Wear Common Protective or Safety Equipment such as Safety Shoes, Glasses, Gloves, Hearing Protection, Hard Hats, or Life Jackets
- Never100%
Wear Specialized Protective or Safety Equipment such as Breathing Apparatus, Safety Harness, Full Protection Suits, or Radiation Protection
- Never100%

Typical Education Levels Reported

Education levels O*NET survey respondents in this occupation most often reported having.

Bachelor’s degree
Master’s degree

Technology Skills

Specific software and technology tools commonly used on the job.

Enterprise resource planning ERP software
Microsoft Dynamics, Oracle JD Edwards EnterpriseOne, SAP software
Presentation software
Microsoft PowerPoint
Financial analysis software
CGI-AMS Strata, Experian Quest, Fair Isaac Capstone Decision Manager, Moody's KMV Risk Advisor
Content workflow software
Equifax Application Engine, Experian Transact SM
Development environment software
Microsoft Visual Basic, Microsoft Visual Basic for Applications VBA
Office suite software
Experian Strategy Management, Microsoft Office software
Data base user interface and query software
Microsoft SQL Server, Structured query language SQL
Spreadsheet software
Microsoft Excel
Electronic mail software
Microsoft Outlook
Document management software
Credit adjudication and lending management system CALMS
Word processing software
Microsoft Word
Business intelligence and data analysis software
Oracle Business Intelligence Enterprise Edition
Object or component oriented development software
Python
Analytical or scientific software
SAS
Information retrieval or search software
CGI-AMS BureauLink Enterprise

Professional Associations

Organizations related to this occupation, such as industry and licensing bodies.

Related Occupations

Detailed Work Activities

More specific, granular versions of the Work Activities above.

Analyze business or financial data.
Assess risks to business operations.
Prepare contracts or other transaction documents.
Calculate data to inform organizational operations.
Prepare financial documents, reports, or budgets.
Analyze market conditions or trends.
Collect payments for goods or services.
Advise others on financial matters.
Assess financial status of clients.
Examine financial records.
Correspond with customers to answer questions or resolve complaints.
Confer with others about financial matters.

Apprenticeship Occupations

Registered apprenticeship program titles associated with this occupation.

Credit Analyst (Nof)

This page incorporates information from O*NET Web Services by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA).

Based on federal labor and demographic data. Data source & methodology