Career Overlap Transition record Edition 1 · ESCO v1.2.1
Table 1Transition record

credit advisertocredit analyst

A credit adviser already meets 70% of what the credit analyst role asks for. The move turns on 4 required skills not yet in the profile.

From credit adviser
70%
Overlap1
To credit analyst
20 Skills carried over
4 Required, not held
30.8 Difficulty2
Career overlap Strong match

70%

Learning distance Real move, short list to learn

30.8/ 100

1 Share of the credit analyst role’s weighted skill requirement already met by the credit adviser profile. Required skills count in full, supplementary skills at 0.35. Directional: the figure for the reverse move differs. 2 Combines what is missing with how specialised it is, so a gap of general skills scores easier than the same number of narrow ones.

Why

Why this move works

A credit analyst role treats 12 of its required skills as things a credit adviser already does. These are the ones it depends on most.

  • advise on credit rating
  • advise on risk management
  • analyse financial risk
  • analyse loans
  • analyse the credit history of potential customers
  • insolvency law

What stands in the way is 4 required skills the profile does not yet cover. Table 3 groups them; Table 4 says which to take first.

Table 2

Table 2 · What you already bring

Of the 20 skills that carry over, these are the ones fewest other occupations ask for. A credit analyst role needs them, and most people applying for one will not have them already. This is the part of a credit adviser background worth leading with.

Skill the target role also needs Area
  • already held advise on credit rating communication, collaboration and creativity
  • already held analyse the credit history of potential customers information skills
  • already held maintain credit history of clients information skills
  • already held interview bank loanees communication, collaboration and creativity
  • already held maintain client debt records information skills
  • already held perform debt investigation information skills

All 20 carried skills, including the 12 the credit analyst role treats as required.

Table 3

Table 3 · What you would need to learn

The 11 missing skills fall into 5 areas of the ESCO skill hierarchy, numbered below in the order worth working in: the areas carrying the most required skills come first, and inside each one the required skills sit above the supplementary ones.

Skill to acquire Tier
01 business, administration and law 3 required, 4 supplementary
  • required, not held debt classification required
  • required, not held financial engineering required
  • required, not held financial statements required
  • optional, not held accounting optional
  • optional, not held financial forecasting optional
  • optional, not held public offering optional
  • optional, not held stock market optional
02 assisting and caring 1 required
  • required, not held apply credit risk policy required
03 information skills 1 supplementary
  • optional, not held analyse market financial trends optional
04 management skills 1 supplementary
  • optional, not held manage securities optional
05 social sciences, journalism and information 1 supplementary
  • optional, not held interview techniques optional
Table 4

Table 4 · Where to start

The 3 entries a credit analyst role is least likely to hire without. The ordering is computed from the skill data, not from what pays.

Each entry opens a course search for that skill. Career Overlap earns nothing from these links.

Appendix

Appendix · The rest of the record

All 20 skills that carry over
Skill Type
  • already held advise on credit rating skill
  • already held advise on risk management skill
  • already held analyse financial risk skill
  • already held analyse loans skill
  • already held analyse the credit history of potential customers skill
  • already held insolvency law knowledge
  • already held interpret financial statements skill
  • already held maintain client debt records skill
  • already held maintain credit history of clients skill
  • already held obtain financial information skill
  • already held perform debt investigation skill
  • already held synthesise financial information skill
  • already held banking activities knowledge
  • already held budget for financial needs skill
  • already held develop investment portfolio skill
  • already held examine credit ratings skill
  • already held interview bank loanees skill
  • already held investment analysis knowledge
  • already held review investment portfolios skill
  • already held tax legislation knowledge
7 supplementary skills, helpful but not required
Skill to acquire Tier
  • optional, not held accounting optional
  • optional, not held analyse market financial trends optional
  • optional, not held financial forecasting optional
  • optional, not held interview techniques optional
  • optional, not held manage securities optional
  • optional, not held public offering optional
  • optional, not held stock market optional
27 held skills the credit analyst role does not ask for
Skill Type
  • not needed by the target role accounting techniques knowledge
  • not needed by the target role advise on financial matters skill
  • not needed by the target role assess debtor's financial situation skill
  • not needed by the target role assess risks of clients' assets skill
  • not needed by the target role audit techniques knowledge
  • not needed by the target role business loans knowledge
  • not needed by the target role communicate with banking professionals skill
  • not needed by the target role consult credit score skill
  • not needed by the target role consumer protection knowledge
  • not needed by the target role corporate social responsibility knowledge
  • not needed by the target role create a financial plan skill
  • not needed by the target role credit card payments knowledge
  • not needed by the target role credit control processes knowledge
  • not needed by the target role debt systems knowledge
  • not needed by the target role determine loan conditions skill
  • not needed by the target role economics knowledge
  • not needed by the target role financial products knowledge
  • not needed by the target role forecast future levels of business skill
  • not needed by the target role microfinance knowledge
  • not needed by the target role monitor national economy skill
  • not needed by the target role mortgage loans knowledge
  • not needed by the target role prepare credit offers skill
  • not needed by the target role prepare credit reports skill
  • not needed by the target role property law knowledge
  • not needed by the target role provide financial product information skill
  • not needed by the target role provide support in financial calculation skill
  • not needed by the target role securities knowledge
8 gaps that are knowledge rather than practice

Knowledge gaps usually close through study. Practical skill gaps usually need something you can point at.

Skill to acquire Tier
  • required, not held debt classification required
  • required, not held financial engineering required
  • required, not held financial statements required
  • optional, not held accounting optional
  • optional, not held financial forecasting optional
  • optional, not held interview techniques optional
  • optional, not held public offering optional
  • optional, not held stock market optional
Index

Other moves recorded from credit adviser

Full index of moves from credit adviser

Note

How this record was compiled

Both occupations are taken from ESCO, which lists the skills and knowledge each occupation is expected to have and marks every one required or optional. Nothing here is a prediction about hiring, and nothing here knows that a particular employer wants a particular certificate. Treat Table 3 as a starting point for your own research rather than a syllabus. The full method states what these figures can and cannot tell you.