What Are the Different Credit Analyst Careers?

Credit analysts are aimed at China's capital market and credit market, using credit rating technology to solve corporate debt, financial bonds, funds and other fixed income securities and financial institutions, listed companies, public utilities and loan companies and their solvency Comprehensive analysis of the degree of trust to reveal credit risk in the form of credit rating. "

Credit analyst

At present, business contacts are getting closer and closer, but they lack each other.

Credit analysts' requirements for personnel are generally financial, economic,

With the acceleration of China's financial reform and the formal implementation of the new Basel Capital Accord,

1. Analyze credit data and financial statements to determine the degree of risk involved in extending credit or loan funds. ^[1]

Department:

1. Financial accounting

2,

1,

1.Mathematical reasoning

Problem sensitivity

3.

1.Attentive

Keen

3. Integrity

4. Initiative

1. At least college degree or above, usually undergraduate or above

2.Finance, accounting, auditing, economics, finance related majors

1. Usually includes

At least 2 years of relevant assistant work experience

The role of credit analysts in enterprises is not well known, mainly in the following aspects

1. Choose reputable customers and eliminate customers with higher risks.

A good credit analysis method not only has a solid theoretical foundation and scientific test, but also has a good agreement with the actual situation of the enterprise, that is, the credit analysis method can truly reflect what type of customers and what kind of customers the company needs. The customer is the true quality customer of the enterprise. Then, using this analysis method as the measurement standard, you can clearly understand how many quality customers the company has, and actively develop effective and effective relationships with these customers.

Training objects and courses: The training targets of credit analysts are: employees of professional credit rating and credit reporting agencies; credit personnel of commercial banks, credit cooperatives, and financial companies; insurance companies, fund management companies, trust and investment companies, and other non-bank financial institutions Fixed income securities investment personnel of institutions and large enterprises; credit investigators of credit guarantee institutions; university teachers with professional credit rating and people who are interested in engaging in this industry (professional).

The main training courses are: credit rating overview, standardization and supervision of credit rating, New Basel agreement and internal credit rating of commercial banks, financial analysis, credit rating project operation, financial institution loan company rating method, and basic method of credit rating of industrial and commercial enterprise bonds. Quantitative rating method.