What skills should a Credit Analyst put on a resume?

O*NET rates Critical Thinking, Active Learning, Reading Comprehension, Speaking, and Active Listening among the most important skills for this occupation. Name the ones that are genuinely yours and show where you used them. A resume that lists skills you do not have is weaker than one that lists fewer.

What software should a Credit Analyst list?

Software recorded for this occupation includes CGI-AMS BureauLink Enterprise, CGI-AMS CACS Enterprise, CGI-AMS Strata, Credit adjudication and lending management system CALMS, and Credit and risk analysis software. Applicant tracking systems match on the exact product name, so write the tool as the posting writes it rather than describing it in general terms.

What other job titles cover Credit Analyst work?

O*NET records 16 titles for this occupation, including Credit Administrator, Credit Officer, Credit Representative, and Credit and Collections Analyst. Searching only your own job title hides most of the openings you could apply to.

What qualifications does a Credit Analyst need?

In O*NET's survey of people doing this job, 95% reported their level of education as "Bachelor's Degree". That is what current postholders reported, not a requirement any single employer sets.

Will this resume pass an ATS for a Credit Analyst role?

No tool outside an employer can tell you how that employer's system is configured, including ours. What you can control is that the resume parses cleanly, names the work in the words the posting uses, and does not claim anything you cannot back up.

Credit Analyst resume example

A resume for a Credit Analyst needs to show the work itself: analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Day to day that means work like this: analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money; complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval. Recruiters and applicant tracking systems both read for the tasks and tools this role actually involves, so the strongest resume names them in your own experience rather than describing the job in the abstract. Below are the tasks O*NET records for this occupation, the software and tools it uses, the titles it is advertised under, and the skills worth naming if they are genuinely yours.

Also advertised as

The same job is posted under many titles. Searching only your own job title hides most of the openings you could apply to.

Credit Administrator
Credit Officer
Credit Representative
Credit and Collections Analyst
Credit Risk Analyst
Municipal Fixed Income Analyst
Commercial Credit Analyst
Credit Assessment Analyst
Credit Coordinator
Credit Negotiator
Credit Risk Manager
Credit Risk Specialist
Credit Specialist
Escrow Representative
Factorer
Loan Review Analyst

What this work actually involves

Tasks recorded for this occupation, in O*NET's words. If your experience covers one of these, it belongs on your resume in your own words.

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
Generate financial ratios, using computer programs, to evaluate customers' financial status.
Prepare reports that include the degree of risk involved in extending credit or lending money.
Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
Consult with customers to resolve complaints and verify financial and credit transactions.
Contact customers to collect payments on delinquent accounts.
Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
Review individual or commercial customer files to identify and select delinquent accounts for collection.
Confer with credit association and other business representatives to exchange credit information.

Example bullets for this role

Built from this occupation's own tasks. The brackets stay empty on purpose: we will not invent a number for you, and a fabricated metric is the fastest way to lose an interview you had already won.

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money, for [who or what it served], at [what volume].
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval, for [who or what it served], at [what volume].
Generate financial ratios, using computer programs, to evaluate customers' financial status, for [who or what it served], at [what volume].
Prepare reports that include the degree of risk involved in extending credit or lending money, for [who or what it served], at [what volume].

Software used in this role

Recorded for this occupation by O*NET. An applicant tracking system matches the exact product name, so write the tool the way the posting writes it.

CGI-AMS BureauLink Enterprise
CGI-AMS CACS Enterprise
CGI-AMS Strata
Credit adjudication and lending management system CALMS
Credit and risk analysis software
Credit fraud detection software
Dun and Bradstreet Global DecisionMaker
eCredit Enterprise
Equifax Advanced Decisioning
Equifax Application Engine
Equifax InterConnect
Experian Credinomics
Experian Detect
Experian FraudShield

41 software entries are recorded in total.

Tools and equipment

The physical equipment this occupation is recorded as using. Worth naming when a posting asks for it by name.

10-key calculators
Desktop computers
Notebook computers
Personal computers
Scanners

Skills an ATS reads for

Worth naming only if they are genuinely yours. Keyword overlap is one input to a resume's score, not a verdict.

Microsoft Dynamics
SQL Server
Microsoft Visual Basic
Microsoft Visual Basic for Applications VBA
Python
SAP
SAS
SQL

What this job rates as most important

O*NET rates every skill for importance to this occupation. These are the highest rated, in order.

01Critical Thinking
02Active Learning
03Reading Comprehension
04Speaking
05Active Listening
06Mathematics
07Judgment and Decision Making
08Writing
09Complex Problem Solving
10Monitoring

Knowledge areas

The subject knowledge this occupation draws on, rated by importance.

Economics and Accounting
English Language
Mathematics
Law and Government
Administrative

What qualifications people in this job have

From O*NET's survey of people doing this work. This is what postholders reported, not a requirement any single employer sets.

95%Bachelor's Degree
5%Master's Degree

What level this role is pitched at

O*NET places this occupation in “Considerable Preparation Needed”. Most of these occupations require a four-year bachelor's degree, but some do not.

A considerable amount of work-related skill, knowledge, or experience is needed for these occupations. For example, an accountant must complete four years of college and work for several years in accounting to be considered qualified.

Common questions

What does a Credit Analyst do?: Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Day to day that includes work like analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money and Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
What skills should a Credit Analyst put on a resume?: O*NET rates Critical Thinking, Active Learning, Reading Comprehension, Speaking, and Active Listening among the most important skills for this occupation. Name the ones that are genuinely yours and show where you used them. A resume that lists skills you do not have is weaker than one that lists fewer.
What software should a Credit Analyst list?: Software recorded for this occupation includes CGI-AMS BureauLink Enterprise, CGI-AMS CACS Enterprise, CGI-AMS Strata, Credit adjudication and lending management system CALMS, and Credit and risk analysis software. Applicant tracking systems match on the exact product name, so write the tool as the posting writes it rather than describing it in general terms.
What other job titles cover Credit Analyst work?: O*NET records 16 titles for this occupation, including Credit Administrator, Credit Officer, Credit Representative, and Credit and Collections Analyst. Searching only your own job title hides most of the openings you could apply to.
What qualifications does a Credit Analyst need?: In O*NET's survey of people doing this job, 95% reported their level of education as "Bachelor's Degree". That is what current postholders reported, not a requirement any single employer sets.
Will this resume pass an ATS for a Credit Analyst role?: No tool outside an employer can tell you how that employer's system is configured, including ours. What you can control is that the resume parses cleanly, names the work in the words the posting uses, and does not claim anything you cannot back up.

Related roles

Occupations O*NET records as closest to this one, and worth looking at if this search is not moving.

What this page cannot tell you

No tool outside an employer can tell you how that employer’s ATS is configured, including ours.
This page makes no claim about pay, demand or how many people hold this job. O*NET does not publish that here and we will not estimate it.
Keyword overlap is one input to a resume’s score, not a verdict on you. A resume that names skills you do not have is worse than one that names fewer.

If this is the job you are aiming at, the guide to tailoring a resume covers how to aim one posting properly, and building and exporting a resume here is free.

Occupation data from the O*NET 29.1 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under CC BY 4.0. O*NET is a trademark of USDOL/ETA. SpartanResume is not endorsed by USDOL/ETA.