Roles of a Credit Analyst

What Makes A Good Credit Analyst

Personal Characteristics Professional Skills
• Attention to details • General business knowledge
• Ability to communicate • Banking knowledge
• Ability to listen
• Economics knowledge
• Decisiveness
• • Understanding of legal and
Diplomacy
• Empathy regulatory issues
• Efficiency • Specific business and industry
• Flexibility knowledge
• Self-motivation • Understanding of competing
• Intelligence financial institutions
• Ability to negotiate • Knowledge of sales techniques
• Emotional stability • Human relations background
• Risk-taking
• Administrative skills
• Integrity
 Factors Shaping the Commercial Lending
Environment
1. Competition
2. Trade creditors
3. Commercial finance companies
4. Venture capital market
5. Investment bankers
6. Bond market
7. Equity market
8. Government agencies
9. Economy – local and national
10. Spending
11. Taxation
12. Saving and investment
13. Money supply
14. Inflation
15. GNP and productivity
16. Foreign trade
17. Exchange rate
18. Regulation