[Core] [20% incumbents] Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
  DWAs: Assess risks to business operations. | Analyze business or financial data.

[Core] [20% incumbents] Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
  DWAs: Prepare contracts or other transaction documents.

[Core] [20% incumbents] Generate financial ratios, using computer programs, to evaluate customers' financial status.
  DWAs: Calculate data to inform organizational operations.

[Core] [20% incumbents] Prepare reports that include the degree of risk involved in extending credit or lending money.
  DWAs: Prepare financial documents, reports, or budgets.

[Core] [20% incumbents] Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
  DWAs: Analyze business or financial data.

[Core] [20% incumbents] Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
  DWAs: Analyze market conditions or trends.

[Core] [20% incumbents] Consult with customers to resolve complaints and verify financial and credit transactions.
  DWAs: Correspond with customers to answer questions or resolve complaints.

[Supplemental] [20% incumbents] Contact customers to collect payments on delinquent accounts.
  DWAs: Collect payments for goods or services.

[Supplemental] [20% incumbents] Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
  DWAs: Assess financial status of clients. | Advise others on financial matters.

[Supplemental] [20% incumbents] Review individual or commercial customer files to identify and select delinquent accounts for collection.
  DWAs: Examine financial records.

[Supplemental] [20% incumbents] Confer with credit association and other business representatives to exchange credit information.
  DWAs: Confer with others about financial matters.

--- SKILLS ---
  Critical Thinking (imp:3.88 lvl:4.00) — Using logic and reasoning to identify the strengths and weaknesses of alternativ
  Reading Comprehension (imp:3.62 lvl:4.00) — Understanding written sentences and paragraphs in work-related documents.
  Speaking (imp:3.62 lvl:4.00) — Talking to others to convey information effectively.
  Active Learning (imp:3.62 lvl:3.62) — Understanding the implications of new information for both current and future pr
  Active Listening (imp:3.50 lvl:4.00) — Giving full attention to what other people are saying, taking time to understand
  Mathematics (imp:3.38 lvl:4.12) — Using mathematics to solve problems.
  Writing (imp:3.12 lvl:3.88) — Communicating effectively in writing as appropriate for the needs of the audienc
  Monitoring (imp:3.00 lvl:3.00) — Monitoring/Assessing performance of yourself, other individuals, or organization
  Learning Strategies (imp:2.38 lvl:2.50) — Selecting and using training/instructional methods and procedures appropriate fo
  Science (imp:1.38 lvl:0.38) — Using scientific rules and methods to solve problems.

--- KNOWLEDGE ---
  Economics and Accounting (imp:4.50 lvl:5.20) — Knowledge of economic and accounting principles and practices, the financial mar
  Mathematics (imp:3.90 lvl:4.75) — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their appl
  English Language (imp:3.90 lvl:4.20) — Knowledge of the structure and content of the English language including the mea
  Law and Government (imp:3.28 lvl:3.75) — Knowledge of laws, legal codes, court procedures, precedents, government regulat
  Administrative (imp:3.00 lvl:4.15) — Knowledge of administrative and office procedures and systems such as word proce
  Customer and Personal Service (imp:2.85 lvl:2.75) — Knowledge of principles and processes for providing customer and personal servic
  Computers and Electronics (imp:2.85 lvl:3.00) — Knowledge of circuit boards, processors, chips, electronic equipment, and comput
  Administration and Management (imp:2.80 lvl:2.95) — Knowledge of business and management principles involved in strategic planning, 
  Production and Processing (imp:2.15 lvl:2.00) — Knowledge of raw materials, production processes, quality control, costs, and ot
  Education and Training (imp:2.10 lvl:2.05) — Knowledge of principles and methods for curriculum and training design, teaching
  Sales and Marketing (imp:2.05 lvl:2.05) — Knowledge of principles and methods for showing, promoting, and selling products
  Communications and Media (imp:2.05 lvl:1.60) — Knowledge of media production, communication, and dissemination techniques and m
  Building and Construction (imp:1.80 lvl:1.15) — Knowledge of materials, methods, and the tools involved in the construction or r
  Geography (imp:1.80 lvl:1.75) — Knowledge of principles and methods for describing the features of land, sea, an
  Public Safety and Security (imp:1.80 lvl:1.05) — Knowledge of relevant equipment, policies, procedures, and strategies to promote
  Personnel and Human Resources (imp:1.60 lvl:1.60) — Knowledge of principles and procedures for personnel recruitment, selection, tra
  Telecommunications (imp:1.58 lvl:0.50) — Knowledge of transmission, broadcasting, switching, control, and operation of te
  Sociology and Anthropology (imp:1.55 lvl:1.10) — Knowledge of group behavior and dynamics, societal trends and influences, human 
  History and Archeology (imp:1.50 lvl:0.90) — Knowledge of historical events and their causes, indicators, and effects on civi
  Psychology (imp:1.45 lvl:0.70) — Knowledge of human behavior and performance; individual differences in ability, 
  Engineering and Technology (imp:1.30 lvl:0.90) — Knowledge of the practical application of engineering science and technology. Th
  Design (imp:1.30 lvl:0.65) — Knowledge of design techniques, tools, and principles involved in production of 
  Philosophy and Theology (imp:1.30 lvl:0.50) — Knowledge of different philosophical systems and religions. This includes their 
  Medicine and Dentistry (imp:1.25 lvl:0.50) — Knowledge of the information and techniques needed to diagnose and treat human i
  Transportation (imp:1.25 lvl:0.50) — Knowledge of principles and methods for moving people or goods by air, rail, sea
  Foreign Language (imp:1.20 lvl:0.45) — Knowledge of the structure and content of a foreign (non-English) language inclu
  Mechanical (imp:1.15 lvl:0.20) — Knowledge of machines and tools, including their designs, uses, repair, and main
  Physics (imp:1.10 lvl:0.20) — Knowledge and prediction of physical principles, laws, their interrelationships,
  Therapy and Counseling (imp:1.10 lvl:0.25) — Knowledge of principles, methods, and procedures for diagnosis, treatment, and r
  Food Production (imp:1.05 lvl:0.05) — Knowledge of techniques and equipment for planting, growing, and harvesting food
  Chemistry (imp:1.05 lvl:0.11) — Knowledge of the chemical composition, structure, and properties of substances a
  Biology (imp:1.05 lvl:0.10) — Knowledge of plant and animal organisms, their tissues, cells, functions, interd
  Fine Arts (imp:1.05 lvl:0.05) — Knowledge of the theory and techniques required to compose, produce, and perform

--- ABILITIES ---
  Oral Expression (imp:4.00 lvl:4.12) — The ability to communicate information and ideas in speaking so others will unde
  Oral Comprehension (imp:3.88 lvl:4.12) — The ability to listen to and understand information and ideas presented through 
  Written Comprehension (imp:3.88 lvl:4.12) — The ability to read and understand information and ideas presented in writing.
  Inductive Reasoning (imp:3.88 lvl:4.12) — The ability to combine pieces of information to form general rules or conclusion
  Problem Sensitivity (imp:3.75 lvl:4.00) — The ability to tell when something is wrong or is likely to go wrong. It does no
  Deductive Reasoning (imp:3.75 lvl:4.50) — The ability to apply general rules to specific problems to produce answers that 
  Mathematical Reasoning (imp:3.75 lvl:4.12) — The ability to choose the right mathematical methods or formulas to solve a prob
  Number Facility (imp:3.75 lvl:4.38) — The ability to add, subtract, multiply, or divide quickly and correctly.
  Information Ordering (imp:3.62 lvl:3.62) — The ability to arrange things or actions in a certain order or pattern according
  Near Vision (imp:3.62 lvl:4.25) — The ability to see details at close range (within a few feet of the observer).
  Written Expression (imp:3.38 lvl:4.00) — The ability to communicate information and ideas in writing so others will under
  Speech Recognition (imp:3.25 lvl:3.50) — The ability to identify and understand the speech of another person.
  Category Flexibility (imp:3.12 lvl:3.50) — The ability to generate or use different sets of rules for combining or grouping
  Speech Clarity (imp:3.12 lvl:3.12) — The ability to speak clearly so others can understand you.
  Flexibility of Closure (imp:3.00 lvl:3.12) — The ability to identify or detect a known pattern (a figure, object, word, or so
  Perceptual Speed (imp:3.00 lvl:3.12) — The ability to quickly and accurately compare similarities and differences among
  Fluency of Ideas (imp:2.88 lvl:2.88) — The ability to come up with a number of ideas about a topic (the number of ideas
  Selective Attention (imp:2.88 lvl:2.88) — The ability to concentrate on a task over a period of time without being distrac
  Speed of Closure (imp:2.75 lvl:2.88) — The ability to quickly make sense of, combine, and organize information into mea
  Originality (imp:2.62 lvl:2.62) — The ability to come up with unusual or clever ideas about a given topic or situa
  Memorization (imp:2.38 lvl:2.38) — The ability to remember information such as words, numbers, pictures, and proced
  Time Sharing (imp:2.00 lvl:2.00) — The ability to shift back and forth between two or more activities or sources of
  Finger Dexterity (imp:2.00 lvl:1.75) — The ability to make precisely coordinated movements of the fingers of one or bot
  Far Vision (imp:2.00 lvl:2.12) — The ability to see details at a distance.
  Visualization (imp:1.88 lvl:1.75) — The ability to imagine how something will look after it is moved around or when 
  Visual Color Discrimination (imp:1.75 lvl:1.50) — The ability to match or detect differences between colors, including shades of c
  Auditory Attention (imp:1.75 lvl:1.50) — The ability to focus on a single source of sound in the presence of other distra
  Arm-Hand Steadiness (imp:1.62 lvl:0.75) — The ability to keep your hand and arm steady while moving your arm or while hold
  Manual Dexterity (imp:1.62 lvl:0.62) — The ability to quickly move your hand, your hand together with your arm, or your
  Hearing Sensitivity (imp:1.62 lvl:1.12) — The ability to detect or tell the differences between sounds that vary in pitch 
  Trunk Strength (imp:1.50 lvl:1.00) — The ability to use your abdominal and lower back muscles to support part of the 
  Control Precision (imp:1.38 lvl:0.50) — The ability to quickly and repeatedly adjust the controls of a machine or a vehi
  Depth Perception (imp:1.38 lvl:0.38) — The ability to judge which of several objects is closer or farther away from you
  Wrist-Finger Speed (imp:1.25 lvl:0.38) — The ability to make fast, simple, repeated movements of the fingers, hands, and 
  Spatial Orientation (imp:1.00) — The ability to know your location in relation to the environment or to know wher
  Multilimb Coordination (imp:1.00) — The ability to coordinate two or more limbs (for example, two arms, two legs, or
  Response Orientation (imp:1.00) — The ability to choose quickly between two or more movements in response to two o
  Rate Control (imp:1.00) — The ability to time your movements or the movement of a piece of equipment in an
  Reaction Time (imp:1.00) — The ability to quickly respond (with the hand, finger, or foot) to a signal (sou
  Speed of Limb Movement (imp:1.00) — The ability to quickly move the arms and legs.
  Static Strength (imp:1.00) — The ability to exert maximum muscle force to lift, push, pull, or carry objects.
  Explosive Strength (imp:1.00) — The ability to use short bursts of muscle force to propel oneself (as in jumping
  Dynamic Strength (imp:1.00) — The ability to exert muscle force repeatedly or continuously over time. This inv
  Stamina (imp:1.00) — The ability to exert yourself physically over long periods of time without getti
  Extent Flexibility (imp:1.00) — The ability to bend, stretch, twist, or reach with your body, arms, and/or legs.
  Dynamic Flexibility (imp:1.00) — The ability to quickly and repeatedly bend, stretch, twist, or reach out with yo
  Gross Body Coordination (imp:1.00) — The ability to coordinate the movement of your arms, legs, and torso together wh
  Gross Body Equilibrium (imp:1.00) — The ability to keep or regain your body balance or stay upright when in an unsta
  Night Vision (imp:1.00) — The ability to see under low-light conditions.
  Peripheral Vision (imp:1.00) — The ability to see objects or movement of objects to one's side when the eyes ar
  Glare Sensitivity (imp:1.00) — The ability to see objects in the presence of a glare or bright lighting.
  Sound Localization (imp:1.00) — The ability to tell the direction from which a sound originated.

--- WORK ACTIVITIES ---
  Analyzing Data or Information (imp:4.65 lvl:5.60) — Identifying the underlying principles, reasons, or facts of information by break
  Getting Information (imp:4.58 lvl:4.95) — Observing, receiving, and otherwise obtaining information from all relevant sour
  Working with Computers (imp:4.45 lvl:3.15) — Using computers and computer systems (including hardware and software) to progra
  Processing Information (imp:4.40 lvl:5.20) — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying
  Communicating with Supervisors, Peers, or Subordinates (imp:4.25 lvl:4.65) — Providing information to supervisors, co-workers, and subordinates by telephone,
  Making Decisions and Solving Problems (imp:4.05 lvl:4.65) — Analyzing information and evaluating results to choose the best solution and sol
  Updating and Using Relevant Knowledge (imp:3.85 lvl:4.40) — Keeping up-to-date technically and applying new knowledge to your job.
  Interpreting the Meaning of Information for Others (imp:3.80 lvl:3.70) — Translating or explaining what information means and how it can be used.
  Evaluating Information to Determine Compliance with Standards (imp:3.75 lvl:3.75) — Using relevant information and individual judgment to determine whether events o
  Establishing and Maintaining Interpersonal Relationships (imp:3.75 lvl:4.65) — Developing constructive and cooperative working relationships with others, and m
  Organizing, Planning, and Prioritizing Work (imp:3.65 lvl:4.25) — Developing specific goals and plans to prioritize, organize, and accomplish your
  Identifying Objects, Actions, and Events (imp:3.55 lvl:3.90) — Identifying information by categorizing, estimating, recognizing differences or 
  Documenting/Recording Information (imp:3.53 lvl:3.40) — Entering, transcribing, recording, storing, or maintaining information in writte
  Training and Teaching Others (imp:3.00 lvl:3.20) — Identifying the educational needs of others, developing formal educational or tr
  Judging the Qualities of Objects, Services, or People (imp:2.95 lvl:3.35) — Assessing the value, importance, or quality of things or people.
  Communicating with People Outside the Organization (imp:2.95 lvl:3.10) — Communicating with people outside the organization, representing the organizatio
  Coaching and Developing Others (imp:2.95 lvl:3.50) — Identifying the developmental needs of others and coaching, mentoring, or otherw
  Monitoring Processes, Materials, or Surroundings (imp:2.85 lvl:3.25) — Monitoring and reviewing information from materials, events, or the environment,
  Guiding, Directing, and Motivating Subordinates (imp:2.65 lvl:2.65) — Providing guidance and direction to subordinates, including setting performance 
  Performing Administrative Activities (imp:2.65 lvl:2.90) — Performing day-to-day administrative tasks such as maintaining information files
  Thinking Creatively (imp:2.60 lvl:3.30) — Developing, designing, or creating new applications, ideas, relationships, syste
  Developing and Building Teams (imp:2.60 lvl:2.60) — Encouraging and building mutual trust, respect, and cooperation among team membe
  Providing Consultation and Advice to Others (imp:2.60 lvl:3.05) — Providing guidance and expert advice to management or other groups on technical,
  Resolving Conflicts and Negotiating with Others (imp:2.58 lvl:2.65) — Handling complaints, settling disputes, and resolving grievances and conflicts, 
  Estimating the Quantifiable Characteristics of Products, Events, or Information (imp:2.50 lvl:2.40) — Estimating sizes, distances, and quantities; or determining time, costs, resourc
  Developing Objectives and Strategies (imp:2.50 lvl:2.60) — Establishing long-range objectives and specifying the strategies and actions to 
  Scheduling Work and Activities (imp:2.50 lvl:2.30) — Scheduling events, programs, and activities, as well as the work of others.
  Coordinating the Work and Activities of Others (imp:2.30 lvl:2.50) — Getting members of a group to work together to accomplish tasks.
  Selling or Influencing Others (imp:2.20 lvl:1.85) — Convincing others to buy merchandise/goods or to otherwise change their minds or
  Staffing Organizational Units (imp:1.95 lvl:1.80) — Recruiting, interviewing, selecting, hiring, and promoting employees in an organ
  Performing for or Working Directly with the Public (imp:1.85 lvl:1.20) — Performing for people or dealing directly with the public. This includes serving
  Monitoring and Controlling Resources (imp:1.75 lvl:1.80) — Monitoring and controlling resources and overseeing the spending of money.
  Inspecting Equipment, Structures, or Materials (imp:1.65 lvl:1.15) — Inspecting equipment, structures, or materials to identify the cause of errors o
  Assisting and Caring for Others (imp:1.65 lvl:1.05) — Providing personal assistance, medical attention, emotional support, or other pe
  Controlling Machines and Processes (imp:1.45 lvl:0.80) — Using either control mechanisms or direct physical activity to operate machines 
  Performing General Physical Activities (imp:1.25 lvl:0.35) — Performing general physical activities includes doing activities that require co
  Handling and Moving Objects (imp:1.25 lvl:0.50) — Using hands and arms in handling, installing, positioning, and moving materials,
  Drafting, Laying Out, and Specifying Technical Devices, Parts, and Equipment (imp:1.15 lvl:0.35) — Providing documentation, detailed instructions, drawings, or specifications to t
  Operating Vehicles, Mechanized Devices, or Equipment (imp:1.05 lvl:0.10) — Running, maneuvering, navigating, or driving vehicles or mechanized equipment, s
  Repairing and Maintaining Electronic Equipment (imp:1.05 lvl:0.10) — Servicing, repairing, calibrating, regulating, fine-tuning, or testing machines,
  Repairing and Maintaining Mechanical Equipment (imp:1.00) — Servicing, repairing, adjusting, and testing machines, devices, moving parts, an

--- WORK STYLES ---
  Dependability (imp:5.00) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Attention to Detail (imp:4.00) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Attention to Detail (imp:3.00) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Integrity (imp:3.00) — A tendency to be honest and ethical at work.
  Dependability (imp:2.62) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Cautiousness (imp:2.47) — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Integrity (imp:2.47) — A tendency to be honest and ethical at work.
  Intellectual Curiosity (imp:2.08) — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Cautiousness (imp:2.00) — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Achievement Orientation (imp:1.77) — A tendency to establish and maintain personally challenging work-related goals, 
  Perseverance (imp:1.74) — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Self-Confidence (imp:1.44) — A tendency to believe in one's work-related capabilities and ability to control 
  Self-Control (imp:1.40) — A tendency to remain calm and composed and to manage emotions effectively in res
  Stress Tolerance (imp:1.27) — A tendency to cope and function effectively in stressful situations at work.
  Intellectual Curiosity (imp:1.00) — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Initiative (imp:0.97) — A tendency to be proactive and take on extra responsibilities and tasks that may
  Cooperation (imp:0.87) — A tendency to be pleasant, helpful, and willing to assist others at work.
  Innovation (imp:0.67) — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Social Orientation (imp:0.65) — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Adaptability (imp:0.62) — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Sincerity (imp:0.60) — A tendency to be genuine and sincere in interactions with others at work, withou
  Empathy (imp:0.30) — A tendency to show concern for others and be sensitive to others' needs and feel
  Tolerance for Ambiguity (imp:0.29) — A tendency to be comfortable with ambiguity and uncertainty at work.
  Leadership Orientation (imp:0.21) — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Humility (imp:0.12) — A tendency to be modest and humble when interacting with others at work.
  Innovation () — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Achievement Orientation () — A tendency to establish and maintain personally challenging work-related goals, 
  Tolerance for Ambiguity () — A tendency to be comfortable with ambiguity and uncertainty at work.
  Initiative () — A tendency to be proactive and take on extra responsibilities and tasks that may
  Adaptability () — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Self-Confidence () — A tendency to believe in one's work-related capabilities and ability to control 
  Perseverance () — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Leadership Orientation () — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Humility () — A tendency to be modest and humble when interacting with others at work.
  Sincerity () — A tendency to be genuine and sincere in interactions with others at work, withou
  Empathy () — A tendency to show concern for others and be sensitive to others' needs and feel
  Cooperation () — A tendency to be pleasant, helpful, and willing to assist others at work.
  Optimism () — A tendency to exhibit a positive attitude and positive emotions at work, even un
  Social Orientation () — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Stress Tolerance () — A tendency to cope and function effectively in stressful situations at work.
  Self-Control () — A tendency to remain calm and composed and to manage emotions effectively in res
  Optimism (imp:-0.30) — A tendency to exhibit a positive attitude and positive emotions at work, even un

--- TRANSFERABLE SKILLS ---
  Judgment and Decision Making (imp:3.12 lvl:3.75) — Considering the relative costs and benefits of potential actions to choose the m
  Social Perceptiveness (imp:3.00 lvl:2.88) — Being aware of others' reactions and understanding why they react as they do.
  Service Orientation (imp:3.00 lvl:3.00) — Actively looking for ways to help people.
  Complex Problem Solving (imp:3.00 lvl:3.00) — Identifying complex problems and reviewing related information to develop and ev
  Time Management (imp:3.00 lvl:3.00) — Managing one's own time and the time of others.
  Systems Analysis (imp:2.75 lvl:3.00) — Determining how a system should work and how changes in conditions, operations, 
  Systems Evaluation (imp:2.75 lvl:3.12) — Identifying measures or indicators of system performance and the actions needed 
  Coordination (imp:2.62 lvl:2.50) — Adjusting actions in relation to others' actions.
  Operations Analysis (imp:2.50 lvl:2.38) — Analyzing needs and product requirements to create a design.
  Persuasion (imp:2.38 lvl:2.50) — Persuading others to change their minds or behavior.
  Negotiation (imp:2.38 lvl:2.75) — Bringing others together and trying to reconcile differences.
  Instructing (imp:2.12 lvl:2.38) — Teaching others how to do something.
  Management of Financial Resources (imp:2.00 lvl:1.88) — Determining how money will be spent to get the work done, and accounting for the
  Management of Personnel Resources (imp:2.00 lvl:1.88) — Motivating, developing, and directing people as they work, identifying the best 
  Operations Monitoring (imp:1.75 lvl:1.00) — Watching gauges, dials, or other indicators to make sure a machine is working pr
  Management of Material Resources (imp:1.75 lvl:0.88) — Obtaining and seeing to the appropriate use of equipment, facilities, and materi
  Programming (imp:1.62 lvl:1.00) — Writing computer programs for various purposes.
  Quality Control Analysis (imp:1.62 lvl:0.75) — Conducting tests and inspections of products, services, or processes to evaluate
  Operation and Control (imp:1.25 lvl:0.25) — Controlling operations of equipment or systems.
  Technology Design (imp:1.00) — Generating or adapting equipment and technology to serve user needs.
  Equipment Selection (imp:1.00) — Determining the kind of tools and equipment needed to do a job.
  Installation (imp:1.00) — Installing equipment, machines, wiring, or programs to meet specifications.
  Equipment Maintenance (imp:1.00) — Performing routine maintenance on equipment and determining when and what kind o
  Troubleshooting (imp:1.00) — Determining causes of operating errors and deciding what to do about it.
  Repairing (imp:1.00) — Repairing machines or systems using the needed tools.

--- NATIONAL WAGES ---
  total_employment : 64,390
  annual_median    : $83,510
  annual_pct10     : $56,250
  annual_pct25     : $65,210
  annual_pct75     : $122,460
  annual_pct90     : $169,230
  annual_mean      : $100,850
  hourly_median    : $40.15

--- GEOGRAPHIC DISPERSION ---
  highest_state    : New York ($133,270)
  lowest_state     : Puerto Rico ($51,920)
  dispersion_ratio : 2.567x

--- TOP STATES BY WAGE (52 total) ---
  Finance and Insurance                    emp:   46,320  median: $  87,260
  Management of Companies and Enterprises  emp:    7,830  median: $  83,190
  Wholesale Trade                          emp:    2,950  median: $  74,390
  Administrative and Support and Waste Management and Remediation Services emp:    2,190  median: $  83,480
  Manufacturing                            emp:    1,120  median: $  69,430
  Retail Trade                             emp:      900  median: $  76,830
  Professional, Scientific, and Technical Services emp:      900  median: $  80,180
  Information                              emp:      730  median: $  66,570
  Real Estate and Rental and Leasing       emp:      460  median: $  87,020
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:      280  median: $  76,270

--- TOP INDUSTRIES BY EMPLOYMENT (16 total) ---
  Finance and Insurance                    emp:   46,320  median: $  87,260
  Management of Companies and Enterprises  emp:    7,830  median: $  83,190
  Wholesale Trade                          emp:    2,950  median: $  74,390
  Administrative and Support and Waste Management and Remediation Services emp:    2,190  median: $  83,480
  Manufacturing                            emp:    1,120  median: $  69,430
  Retail Trade                             emp:      900  median: $  76,830
  Professional, Scientific, and Technical Services emp:      900  median: $  80,180
  Information                              emp:      730  median: $  66,570
  Real Estate and Rental and Leasing       emp:      460  median: $  87,020
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:      280  median: $  76,270

exact_match_status : found
matched_title      : Credit analyst
match_score        : 0.9655
wikidata_qid       : Q28455223
word_count         : 305
wikipedia_url      : https://en.wikipedia.org/wiki/Credit_analyst
license            : CC BY-SA 4.0
fetched_at         : 2026-06-02T20:16:24.776222Z

--- WIKIPEDIA FULL TEXT ---
A credit analyst
is a person employed by an organization to analyze the credit worthiness of customers and potential customers, 
and to assist in the ongoing management, classification and quantification of credit risk thereafter. 
See Credit analysis § Role and Financial analyst  § Corporate and other for discussion.
In May 2015, the U.S. Bureau of Labor Statistics reported 70,840 people employed as credit analysts. The salary for this position ranged from $40,250 to $134,080 with a mean average wage of $79,720.


== Job responsibilities ==
Job responsibilities include the following:

Reviewing credit applications
Projecting sales
Evaluating credit risk
Analyzing financial data, statements and trends
Setting new customer credit limits
Recommending credit limits based on company credit policies
Performing credit reviews of existing customers
Maintaining customer files with financial statements and bank reference information
Resolving credit issues
Monitoring risk trends on behalf of management and sales personnel


== Education ==

Credit analysts typically 

hold a business related bachelor's degree majoring in finance, in accounting, in business administration, or in economics. 
Depending on the role, some companies may require a professional certification such as the  Credit Business Associate from the National Association of Credit Management (NACM).

Particularly for analysis involving the technical elements of EAD, PD and LGD modelling, some quantitative training, specifically in statistics and calculus, will be required.
Often, a math or actuarial degree, and / or the FRM or PRM certification may be recommended. See also Quantitative analysis (finance) § Education.


== Professional organizations ==
Credit analysts in the United States can obtain memberships, continuing education and certification through NACM. Certification levels include Credit Business Associate, Certified Credit and Risk Analyst, Credit Business Fellow, Certified Credit Executive, Certified International Credit Professional and International Certified Credit Executive.


== See also ==
Credit assistant
Credit manager
Director of credit and collections
Financial analyst


== References ==

--- SEMANTIC NEIGHBORS (5) ---

  Title: Zero Hedge (similarity: 0.2400)
  URL: https://en.wikipedia.org/wiki/Zero_Hedge
  QID: Q3575278
  Extract: Zero Hedge is a far-right libertarian financial blog and news aggregator. Zero Hedge has a bearish market sentiment in its investment outlook and analysis, often deriving from a strict adherence to the Austrian School of economics and credit cycles. It has been described as a financial "permabear".

  Title: WGA screenwriting credit system (similarity: 0.4348)
  URL: https://en.wikipedia.org/wiki/WGA_screenwriting_credit_system
  QID: Q7949654
  Extract: The Writers Guild of America (WGA) credit system for motion pictures and television programs covers all works under the jurisdiction of the Writers Guild of America, East (WGAE) and the Writers Guild of America, West (WGAW). The WGA, originally the Screen Writers Guild, has since 1941 been the final

  Title: Oklahoma Department of Consumer Credit (similarity: 0.2264)
  URL: https://en.wikipedia.org/wiki/Oklahoma_Department_of_Consumer_Credit
  QID: Q17108244
  Extract: The Oklahoma Department of Consumer Credit (ODCC) is an agency of the state of Oklahoma. The department regulates the consumer lending business in Oklahoma by overseeing non-commercial credit, small loans, installment sales and usury. The department also investigates and licenses creditors of the st

  Title: Suffragan bishop (similarity: 0.2581)
  URL: https://en.wikipedia.org/wiki/Suffragan_bishop
  QID: Q13426709
  Extract: A suffragan bishop is a type of bishop in some Christian denominations.

  Title: Aadhav Arjuna (similarity: 0.3571)
  URL: https://en.wikipedia.org/wiki/Aadhav_Arjuna
  QID: Q137218643
  Extract: Aadhav Arjuna is an Indian politician, political strategist, philanthropist and sports administrator from Tamil Nadu. He is the elected Member of Legislative Assembly (MLA) representing the Villivakkam assembly constituency in Chennai, having won the seat in the 2026 Tamil Nadu Legislative Assembly 

model_pass1          : claude-sonnet-4-20250514
model_pass2          : claude-haiku-4-5-20251001
inference_confidence : high
confidence_notes     : Strong confidence based on comprehensive O*NET data, clear BLS wage information, and Wikipedia validation. The occupation is well-defined with specific tasks, skills, and industry presence clearly documented.
inferred_at          : 2026-06-03T13:34:09.060043+00:00
tokens_input         : 4,508
tokens_output        : 4,259
cost_usd             : $0.046231
wikipedia_used       : True
wikipedia_title      : Credit analyst
wikipedia_note       : Wikipedia confirms the core definition of credit analysts as professionals who analyze creditworthiness and assist in credit risk management. The reference to BLS employment data provides additional validation of the occupation's scope and recognition.

--- PROSE FIELDS ---

ROLE SUMMARY:
Credit Analysts evaluate the creditworthiness of individuals and businesses by analyzing financial statements, credit histories, and market data to determine the risk of extending loans or credit. They prepare detailed reports and recommendations that guide lending decisions for banks, credit unions, and other financial institutions. These professionals combine quantitative analysis with business judgment to protect their organizations from financial losses while enabling appropriate credit access.

DAY IN THE LIFE:
Credit Analysts spend their days reviewing loan applications and analyzing financial statements using spreadsheet software like Microsoft Excel and specialized credit analysis programs. They calculate financial ratios to assess borrower stability, compare applicants against industry benchmarks, and research market conditions that might affect repayment ability. Much of their time involves preparing detailed credit reports that summarize risk factors and provide lending recommendations to loan committees. They also communicate with customers to verify information, resolve discrepancies, and sometimes work on collection efforts for delinquent accounts. The work requires constant attention to numerical data while maintaining awareness of broader economic trends that could impact credit decisions.

WHO THRIVES:
Individuals who excel as Credit Analysts possess strong analytical and mathematical reasoning abilities, with the patience for detailed numerical work and pattern recognition. The role attracts people who are naturally dependable and detail-oriented, as small errors in financial analysis can lead to significant losses. Successful analysts combine quantitative skills with communication abilities, as they must translate complex financial data into clear recommendations for decision-makers. Those who thrive tend to be methodical thinkers who enjoy problem-solving and can maintain objectivity when evaluating financial risk. The conventional work style (RIASEC C:6.85) indicates this role suits individuals who prefer structured, systematic approaches to data analysis and decision-making.

CAREER ENTRY:
Entry into credit analysis typically requires a bachelor's degree, with 95% of practitioners holding this qualification according to O*NET education distribution data. Common degree fields include finance, accounting, economics, or business administration, providing the foundational knowledge in economics and accounting that the role demands. New graduates often start in entry-level analyst positions where they learn credit evaluation procedures and financial analysis techniques under supervision. Some employers provide specialized training in credit analysis software and industry-specific lending practices.

CAREER TRAJECTORY:
Credit Analysts can advance to senior analyst roles, credit managers, or specialized positions like Credit Risk Managers and Credit Portfolio Managers. The analytical skills and financial expertise developed in this role provide pathways into related fields such as financial analysis, risk management, or commercial lending. Some analysts transition to loan officer positions where they use their risk assessment expertise in customer-facing roles. The experience gained in credit analysis also provides a foundation for advancing into financial management or moving to investment firms where credit evaluation skills are valued.

MARKET INTELLIGENCE:
The credit analysis field employs 64,390 professionals with a median annual salary of $83,510 according to BLS OEWS May 2025 data, ranging from $56,250 at the 10th percentile to $169,230 at the 90th percentile. Geographic variation is substantial, with New York offering the highest wages at $133,270 compared to Puerto Rico's $51,920, representing a 2.57x ratio. The Finance and Insurance sector dominates employment with 46,320 positions, followed by Management of Companies and Enterprises with 7,830 roles. Strong demand exists in major financial centers, and the ongoing need for credit evaluation in lending operations provides stable employment prospects. The role's importance in risk management suggests continued relevance despite technological advances in automated credit scoring.

AUTOMATION OUTLOOK:
While automated credit scoring systems handle routine consumer credit decisions, Credit Analysts remain essential for complex commercial lending and situations requiring nuanced judgment. The high-level analytical work activities (Analyzing Data 5.6 level, Processing Information 5.2 level) involve sophisticated reasoning that current automation cannot fully replicate. Technology serves as a tool to enhance analyst productivity rather than replace human expertise in credit risk assessment.

--- REASONED EDGES ---
  [skill_overlap] Financial and Investment Analysts (13-2051.00) — confidence:high
    reasoning: Both roles share core analytical skills including critical thinking (4.0 level), mathematical reasoning abilities, and extensive work with financial data analysis.
    data: Critical Thinking level 4.0
    data: Mathematical Reasoning level 4.1
    data: Analyzing Data or Information activity level 5.6
  [career_pathway] Loan Officers (13-2072.00) — confidence:high
    reasoning: Credit Analysts frequently advance to Loan Officer roles, leveraging their risk assessment expertise in customer-facing lending positions.
    data: O*NET Primary-Short relationship
    data: Shared Finance and Insurance industry employment
    data: Customer service knowledge overlap
  [task_similarity] Financial Risk Specialists (13-2054.00) — confidence:high
    reasoning: Both roles focus on risk assessment and analysis of financial data to inform organizational decision-making about potential losses.
    data: Risk assessment task overlap
    data: Economics and Accounting knowledge level 5.2
    data: Job Zone 4 complexity
  [knowledge_overlap] Accountants and Auditors (13-2011.00) — confidence:medium
    reasoning: Both roles require strong Economics and Accounting knowledge and involve detailed analysis of financial statements and data.
    data: Economics and Accounting importance 4.5
    data: Financial statement analysis tasks
    data: Mathematics knowledge level 4.8
  [career_pathway] Credit Authorizers, Checkers, and Clerks (43-4041.00) — confidence:medium
    reasoning: Represents an entry-level pathway into credit analysis, with clerks potentially advancing to analyst roles through experience and education.
    data: O*NET Primary-Short relationship
    data: Shared credit evaluation tasks
    data: Similar industry employment patterns

--- NORMALIZER SIGNALS ---
  match_keywords   : ['credit analyst', 'commercial credit', 'credit risk', 'financial analysis', 'credit evaluation', 'loan analysis', 'credit assessment', 'risk assessment']
  exclude_keywords : ['credit counselor', 'debt counseling', 'loan officer', 'collections specialist', 'credit clerk']
  title_patterns   : ['*Credit Analyst*', '*Credit Risk*', '*Commercial Credit*', '*Credit Assessment*', '*Credit Portfolio*']
  common_variations: ['Commercial Credit Analyst', 'Credit Risk Analyst', 'Senior Credit Analyst', 'Credit Assessment Analyst', 'Credit Portfolio Analyst', 'Corporate Credit Analyst', 'Business Credit Analyst', 'Credit Underwriter']

total_terms    : 40
top_words      : ['credit', 'tendency', 'others', 'financial', 'equipment', 'analysis', 'risk', 'management', 'principles', 'business', 'includes', 'control', 'objects', 'customers', 'techniques', 'ideas', 'analysts', 'materials', 'activities', 'body']
source_layers  : onet_tasks | onet_dimensions | dwas | wikipedia | inference

TERM                    COUNT     FREQ  DOMINANT SOURCE      SOURCE BREAKDOWN
──────────────────────────────────────────────────────────────────────────────────────────
credit                     66  0.02309  wikipedia            wikipedia:45%  inference:42%  onet_tasks:12%
tendency                   42  0.01470  onet_dimensions      onet_dimensions:100%
others                     40  0.01400  onet_dimensions      onet_dimensions:95%  dwas:5%
financial                  34  0.01190  inference            inference:38%  dwas:21%  wikipedia:18%
equipment                  23  0.00805  onet_dimensions      onet_dimensions:100%
analysis                   18  0.00630  inference            inference:56%  onet_dimensions:22%  wikipedia:22%
risk                       17  0.00595  inference            inference:53%  wikipedia:24%  onet_tasks:12%
management                 17  0.00595  onet_dimensions      onet_dimensions:41%  inference:29%  wikipedia:24%
principles                 16  0.00560  onet_dimensions      onet_dimensions:100%
business                   13  0.00455  wikipedia            wikipedia:46%  dwas:23%  inference:15%
includes                   12  0.00420  onet_dimensions      onet_dimensions:100%
control                    12  0.00420  onet_dimensions      onet_dimensions:100%
objects                    12  0.00420  onet_dimensions      onet_dimensions:100%
customers                  11  0.00385  onet_tasks           onet_tasks:27%  onet_dimensions:27%  wikipedia:27%
techniques                 11  0.00385  onet_dimensions      onet_dimensions:91%  inference:9%
ideas                      11  0.00385  onet_dimensions      onet_dimensions:100%
analysts                   11  0.00385  inference            inference:73%  wikipedia:27%
materials                  10  0.00350  onet_dimensions      onet_dimensions:100%
activities                 10  0.00350  onet_dimensions      onet_dimensions:90%  inference:10%
body                       10  0.00350  onet_dimensions      onet_dimensions:100%
lending                     9  0.00315  inference            inference:67%  onet_tasks:22%  wikipedia:11%
customer                    9  0.00315  onet_dimensions      onet_dimensions:44%  onet_tasks:22%  wikipedia:22%
problems                    9  0.00315  onet_dimensions      onet_dimensions:100%
monitoring                  9  0.00315  onet_dimensions      onet_dimensions:89%  wikipedia:11%
procedures                  9  0.00315  onet_dimensions      onet_dimensions:89%  inference:11%
resources                   9  0.00315  onet_dimensions      onet_dimensions:100%
operations                  9  0.00315  onet_dimensions      onet_dimensions:67%  dwas:22%  inference:11%
quickly                     9  0.00315  onet_dimensions      onet_dimensions:100%
orientation                 9  0.00315  onet_dimensions      onet_dimensions:100%
performing                  9  0.00315  onet_dimensions      onet_dimensions:89%  wikipedia:11%
problem                     8  0.00280  onet_dimensions      onet_dimensions:88%  inference:12%
needs                       8  0.00280  onet_dimensions      onet_dimensions:100%
rules                       8  0.00280  onet_dimensions      onet_dimensions:100%
providing                   8  0.00280  onet_dimensions      onet_dimensions:88%  inference:12%
standards                   8  0.00280  onet_dimensions      onet_dimensions:100%
human                       8  0.00280  onet_dimensions      onet_dimensions:88%  inference:12%
production                  8  0.00280  onet_dimensions      onet_dimensions:100%
events                      8  0.00280  onet_dimensions      onet_dimensions:100%
moving                      8  0.00280  onet_dimensions      onet_dimensions:88%  inference:12%
actions                     8  0.00280  onet_dimensions      onet_dimensions:100%