Analista de crédito
Credit analysts recommend which companies, producers or individuals should be extended credit based on their financial records. These recommendations are based on in-depth analysis of potential clients’ finances and business proposals. Using this information, the credit analyst can generate a report that determines the risk involved in lending money to each client.
¿Qué responsabilidades tendré?
- Research companies to determine risk level of extending credit (an agreement where a customer receives financial assistance and agrees to repay the lender at some date in the future)
- Create finance and credit data reports
- Execute loan applications to submit for approval
- Make collection calls and customer visits
- Communicate credit policy to employees
- Examine files for criminal accounts
- Study financial records of companies and individuals to aid in financial plans
- Oversee client completion of documentation
- Review proposed structure and value of lending proposals received from banking or relationship managers
- Control the approval process of extending credit to clients
- Resolve compliance and credit agreement breaches through lending credit and relationship or business managers
- Provide suggestions that would improve the credit process
Cursos de bachillerato recomendados:
- educación agrícola
- computer skills
- matemáticas
- economía
- personal finance
- empresa
Formación requerida:
A bachelor’s degree in agricultural business, agricultural economics, finance, accounting, statistics or a related field is required for a credit analyst position.
