Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
Prepare reports that include the degree of risk involved in extending credit or lending money.
Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
Confer with credit association and other business representatives to exchange credit information.
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.
Review individual or commercial customer files to identify and select delinquent accounts for collection.
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.
Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
Economics
and Accounting -- Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
English Language -- Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
Clerical -- Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.
Mathematics -- Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
Customer and Personal Service -- Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
Administration and Management -- Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
Active Listening -- Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Speaking -- Talking to others to convey information effectively.
Reading Comprehension -- Understanding written sentences and paragraphs in work related documents.
Critical Thinking -- Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
Social Perceptiveness -- Being aware of others' reactions and understanding why they react as they do.
Instructing -- Teaching others how to do something.
Writing -- Communicating effectively in writing as appropriate for the needs of the audience.
Learning Strategies -- Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things.
Judgment and Decision Making -- Considering the relative costs and benefits of potential actions to choose the most appropriate one.
Active Learning -- Understanding the implications of new information for both current and future problem-solving and decision-making.
Written Comprehension -- The ability to read and understand information and ideas presented in writing.
Oral Expression -- The ability to communicate information and ideas in speaking so others will understand.
Oral Comprehension -- The ability to listen to and understand information and ideas presented through spoken words and sentences.
Problem Sensitivity -- The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.
Near Vision -- The ability to see details at close range (within a few feet of the observer).
Deductive Reasoning -- The ability to apply general rules to specific problems to produce answers that make sense.
Mathematical Reasoning -- The ability to choose the right mathematical methods or formulas to solve a problem.
Inductive Reasoning -- The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
Speech Recognition -- The ability to identify and understand the speech of another person.
Written Expression -- The ability to communicate information and ideas in writing so others will understand.
Interacting With Computers
-- Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
Getting Information -- Observing, receiving, and otherwise obtaining information from all relevant sources.
Making Decisions and Solving Problems -- Analyzing information and evaluating results to choose the best solution and solve problems.
Evaluating Information to Determine Compliance with Standards -- Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.
Communicating with Supervisors, Peers, or Subordinates -- Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
Documenting/Recording Information -- Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
Processing Information -- Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.
Establishing and Maintaining Interpersonal Relationships -- Developing constructive and cooperative working relationships with others, and maintaining them over time.