Credit Analyst

Business, Economics and Management / Finance, Banking and Investment Systems / Banking, Lending and Retail Financial Services

Evaluates borrower creditworthiness, analyses financial data, and recommends decisions for loan approvals or rejections.

Career Overview

Growth Outlook: High

Credit analysts assess credit applications by reviewing income documents, bank statements, liabilities, credit bureau reports, and borrower risk profiles. They calculate repayment capacity, perform ratio analysis, evaluate collateral, and prepare credit assessment notes for final decisions. Their judgement reduces credit risk and ensures healthier portfolios.

Top Skills

  • Credit assessment
  • Ratio analysis
  • Risk scoring
  • Documentation
  • Analytical reasoning

Education Pathway

  • 12th Commerce
  • BCom/BBA
  • PGDM Finance/FRM

Suggested UG Degrees

  • BCom
  • BBA
  • BA Economics

PG / Advancement Options

  • PGDM Finance
  • FRM

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Also Known As

  • Retail Credit Analyst
  • Consumer Credit Analyst
  • Lending Risk Analyst
  • Credit Appraisal Analyst