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Credit Analysts

What they do

Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with credit information for use in decisionmaking.

Recommended education
Recommended education
For this career, most jobs require this level of education. It may be possible to qualify for some jobs without this level of education. Recommendation provided by the U.S. Department of Labor.
Bachelor's Degree
Explore programs for this career
Career cluster
Projected growth
Projected growth

This is the expected change in employment for this career in the selected county or state. For example, if a career is expected to double from 100 jobs to 200 jobs, this would show 100%. Due to how projected growth is reported, similar careers may show the same percentage.

These numbers represent the latest 10-year projection period (2018-2028). Data is provided by the Texas Workforce Commission.

N/AN/A

Expected pay range

Expected pay range

This represents the median earnings for this career in the selected county or state. In the range shown, 25% of workers earned less than the bottom salary and 25% earned more than the top salary. Data is provided by the Texas Workforce Commission.

About credit analysts

Other titles

Credit Administrator, Credit Analyst, Credit and Collections Analyst, Credit Officer, Credit Representative, Credit Risk Analyst, Municipal Fixed Income Analyst

Tasks they perform

  • Analyze credit data and financial statements to determine 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.

Skills they need

  • Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
  • Active Learning - Understanding the implications of new information for both current and future problem-solving and decision-making.
  • Reading Comprehension - Understanding written sentences and paragraphs in work-related documents.
  • Speaking - Talking to others to convey information effectively.
  • Active Listening - 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.
  • Mathematics - Using mathematics to solve problems.
  • Judgment and Decision Making - Considering the relative costs and benefits of potential actions to choose the most appropriate one.
  • Writing - Communicating effectively in writing as appropriate for the needs of the audience.
  • Complex Problem Solving - Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
  • Monitoring - Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
  • Service Orientation - Actively looking for ways to help people.
  • Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.

Licenses and Certifications

How to decide which one is right? That depends on an individual’s career path, specialty, and resources.

Certifications

Certifications may be available for this career and can help build knowledge and skills in specific job roles. Explore available certifications

Similar careers

View careers in the same field as credit analysts.

Financial and Investment Analysts
In demand

In demand careers have high-growth, high-demand, and emerging jobs critical to Texas. They are based on economic indicators like in demand industries, labor market trends, and economic conditions, provided by the Texas Workforce Commission.

Learn more
Accountants and Auditors
Better pay

Median salary for this career is higher than the median salary of all careers in the county selected. Salary data is provided by the Texas Workforce Commission.

Learn more
Credit Authorizers, Checkers, and Clerks
Better pay

Median salary for this career is higher than the median salary of all careers in the county selected. Salary data is provided by the Texas Workforce Commission.

In demand

In demand careers have high-growth, high-demand, and emerging jobs critical to Texas. They are based on economic indicators like in demand industries, labor market trends, and economic conditions, provided by the Texas Workforce Commission.

Learn more

Additional career information and resources

Learn more about credit analysts with these helpful sites.