How to become a Credit Analyst
Financial Credit Analysts evaluate creditworthiness, financial information, loan or customer account risk, and supporting documentation to make or recommend lending and credit decisions. They apply underwriting policies, monitor risk, communicate decisions, support regulatory compliance, and collaborate with business and operations teams.
Top Skills Required
- Credit analysis
- Consumer and commercial underwriting
- Financial statement and income analysis
Education & Certifications
Typical: Bachelor's degree in finance, accounting, business, economics, or a related field
Alternative paths:
- High school diploma or equivalent combined with relevant lending, credit, underwriting, collections, or loan-processing experience
- Professional lending registrations or credit certifications
- Relevant experience in place of a degree for some consumer lending roles