NSXNational Skills ExchangeSign in
Back to Framework

Credit Analysts

SOC 13-2041.00Job Zone 4 · Considerable Preparationv.26.05

Context coveredThis framework covers credit analysis practice in commercial and consumer lending environments, spanning individual loan underwriting, portfolio risk management, regulatory compliance, and organizational credit policy leadership.

Sources:O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.SkillsCrosswalkSkillsCrosswalk — O*NET enrichment + adjacency index. Opens in new tab.
Emerging
Entry / Apprentice
  1. Basic credit data and financial statements — review and organize under direct supervision to support initial risk assessments in a commercial lending environment.
  2. Standard loan application forms — complete with guidance, compiling required documentation and credit summaries for submission to a loan committee.
  3. Financial ratio calculations — execute using spreadsheet software and financial analysis tools to evaluate a customer's basic financial position under supervisor review.
  4. Entry-level credit risk reports — draft following established templates to communicate findings on individual borrower files in a structured lending department.
  5. Income statements and balance sheets — interpret fundamental line items under direction to identify early indicators of a borrower's financial health.
  6. Liquidity and profitability metrics — compare across a limited set of peer establishments using database query tools under close oversight from senior analysts.
  7. Customer financial records — gather and verify by consulting directly with clients to resolve straightforward discrepancies in credit transaction data.
  8. Economics and accounting principles — apply foundational knowledge to classify financial data inputs correctly within a guided credit analysis workflow.
  9. Office suite and electronic mail software — use to organize, format, and transmit credit analysis documents in compliance with departmental procedures.
  10. Attention to detail practices — demonstrate by cross-checking numerical data entries and source documents before submitting analysis drafts for senior review.
Developing
Mid-level / Established
  1. Credit data and financial statements — analyze with reduced oversight to assess degree of risk involved in extending credit across routine commercial loan requests.
  2. Loan application packages — prepare independently, including comprehensive credit analyses and narrative summaries of loan requests, for timely submission to loan committees.
  3. Financial ratios — generate and interpret using specialized financial analysis software to evaluate customer financial status across a portfolio of active accounts.
  4. Credit risk reports — produce with consistent accuracy, articulating risk levels and supporting data clearly for use by lending officers and committee members.
  5. Income growth, management quality, and market share data — analyze routinely to project expected profitability of proposed loans within familiar industry segments.
  6. Liquidity, profitability, and credit history comparisons — conduct across similar establishments in the same industry and geographic market using information retrieval software.
  7. Customer complaints and disputed financial transactions — resolve through direct consultation, applying active listening and social perceptiveness to reach satisfactory outcomes.
  8. ERP and document management systems — navigate proficiently to maintain accurate credit files and support content workflow processes within the lending department.
  9. Written credit summaries and analytical memos — compose clearly and concisely for internal stakeholders, reflecting strong reading comprehension and writing skills.
  10. Time management practices — apply to balance competing loan review deadlines and maintain throughput across an assigned portfolio of borrower cases.
Proficient
Senior / Expert IC
  1. Complex credit data and multi-entity financial statements — analyze autonomously to determine risk exposure for large, non-routine, or structurally sophisticated credit requests.
  2. Comprehensive loan application dossiers — construct independently for high-value or complex credits, ensuring all risk factors are documented and clearly justified for committee approval.
  3. Advanced financial modeling and ratio analysis — perform using integrated financial analysis and ERP software to evaluate customers with multi-layered capital structures or cross-border operations.
  4. Detailed credit risk reports — author for senior management and regulatory audiences, translating quantitative findings into actionable risk assessments and recommendations.
  5. Profitability projections and qualitative risk factors — synthesize across industry cycles, macroeconomic trends, and management quality indicators to form well-supported lending recommendations.
  6. Peer benchmarking analyses — execute across diverse industries and geographic markets, interpreting deviations from industry norms and escalating material risk findings appropriately.
  7. Escalated customer disputes and complex transaction discrepancies — resolve through structured consultation, applying judgment, deductive reasoning, and institutional policy to reach defensible conclusions.
  8. Inductive and deductive reasoning — apply across ambiguous or data-limited credit scenarios to identify hidden risk patterns and adapt analytical frameworks accordingly.
  9. Presentation software and data visualization tools — leverage to communicate nuanced credit findings persuasively to loan committees, executives, and external audit stakeholders.
  10. Regulatory and legal requirements governing credit extension — interpret and apply correctly to ensure all analytical outputs comply with applicable law, government standards, and internal policy.
Advanced
Lead / Principal / Executive
  1. Credit analysis frameworks and risk rating methodologies — design and institutionalize across the department to standardize how risk is assessed and reported at organizational scale.
  2. Loan committee evaluation criteria and approval standards — establish and refine in collaboration with senior leadership to align credit decisions with the institution's risk appetite and strategic goals.
  3. Portfolio-level financial ratio monitoring systems — oversee and continuously improve, directing teams in the use of financial analysis software to detect emerging risk trends early.
  4. Credit risk reporting architecture — lead the development of, ensuring reports produced by analysts at all levels meet regulatory, executive, and board-level information requirements.
  5. Macroeconomic and industry-level profitability analysis — direct across multiple sectors, guiding strategic decisions on credit concentration, new market entry, and product development.
  6. Cross-industry benchmarking programs — champion organization-wide, setting analytical standards and ensuring consistent geographic and sector comparisons inform credit strategy.
  7. Escalation protocols for unresolved customer disputes and systemic transaction errors — author and enforce, ensuring resolution processes uphold integrity and regulatory compliance at scale.
  8. Critical thinking and complex problem-solving culture — cultivate within the credit analysis function by mentoring analysts, conducting case reviews, and modeling intellectual rigor in ambiguous situations.
  9. Technology roadmap for credit analysis tooling — shape by evaluating ERP, database, and financial analysis software investments that enhance team capacity and analytical accuracy.
  10. Credit policy and governance standards — author and champion across the organization, translating regulatory requirements and risk philosophy into enforceable operational procedures for all lending staff.

AI-at-Work Competency Framework

Sources:Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab.Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab.WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab.

A 4-level framework describing how a worker at each mastery level uses, directs, and evaluates AI tools in this occupation. Each statement cites its evidence inline. Subscribe for $19.99/mo to read the full framework — or sign in if you have a subscription.

  1. Emerging
  2. Developing
  3. Proficient
  4. Advanced
Monthly subscription · Stripe-hosted · unlocks AI-at-Work and Pathsmith™ Durable Skills across the full library

Pathsmith™ Durable Skills Framework

Sources:Pathsmith™ Durable SkillsPathsmith™ Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Subscriber feature

Ten durable-skill domains mapped to four proficiency levels for this occupation. Subscribe to unlock the full Pathsmith™ Durable Skills Framework across all 1,016 occupations.

Monthly subscription · Stripe-hosted · unlocks AI-at-Work and Pathsmith™ Durable Skills across the full library
Show O*NET source anchors51 anchors · skillscrosswalk.com

O*NET enrichment · skillscrosswalk.com

Suggest an O*NET correction

Source anchors that ground each statement

Related titles
Commercial Credit Analyst · Commercial Credit Manager · Credit Administrator · Credit Analyst · Credit and Collections Analyst · Credit Assessment Analyst · Credit Assistant Manager · Credit Coordinator · Credit Manager · Credit Negotiator · Credit Officer · Credit Portfolio Manager
RAPIDS apprenticeships
—
O*NET skills
Critical ThinkingSpeakingActive LearningReading ComprehensionActive ListeningMathematicsJudgment and Decision MakingWritingSocial PerceptivenessService OrientationComplex Problem SolvingTime ManagementMonitoring
Knowledge domains
Economics and AccountingMathematicsEnglish LanguageLaw and GovernmentAdministrative
Abilities
Oral ExpressionInductive ReasoningOral ComprehensionWritten ComprehensionProblem SensitivityDeductive ReasoningMathematical ReasoningNumber FacilityNear VisionInformation Ordering
Work styles
Attention to DetailDependabilityCautiousnessIntegrityIntellectual CuriosityAchievement Orientation
Technology
Information retrieval or search softwareFinancial analysis softwareDocument management softwareContent workflow softwareOffice suite softwareEnterprise resource planning ERP softwareSpreadsheet softwareElectronic mail softwarePresentation softwareData base user interface and query software
Tasks · seed anchors for statements
  1. Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
  2. Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
  3. Generate financial ratios, using computer programs, to evaluate customers' financial status.
  4. Prepare reports that include the degree of risk involved in extending credit or lending money.
  5. Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
  6. Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
  7. Consult with customers to resolve complaints and verify financial and credit transactions.
CIP education codes
52.030152.080152.080952.0810

Sources: O*NET v30.2 (CC BY 4.0), SkillsCrosswalk.com, LER.me®, Anthropic Economic Index, SAFI (Jadhav & Danve, 2026), WEF Skills Taxonomy 2021, Pathsmith™ Durable Skills Framework. © 2026 EBSCOed.