Table 1Transition record

credit analysttocredit adviser

A credit analyst already meets 43% of what the credit adviser role asks for. The move turns on 10 required skills not yet in the profile.

From credit analyst

43%

Overlap1

To credit adviser

20 Skills carried over

10 Required, not held

60.1 Difficulty2

adjacent 0–30

moderate 30–55

substantial 55–75

career change 75–100

this move, 60.1

This move: 60.1 of 100 · substantial

1 Share of the credit adviser role’s weighted skill requirement already met by the credit analyst 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.

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 adviser role needs them, and most people applying for one will not have them already. This is the part of a credit analyst background worth leading with.

Skill the target role also needs Area

already held analyse the credit history of potential customers information skills
already held advise on credit rating communication, collaboration and creativity
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 8 the credit adviser role treats as required.

Table 3

Table 3 · What you would need to learn

The 27 missing skills fall into 6 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, 9 supplementary

required, not held credit control processes required
required, not held debt systems required
required, not held financial products required

optional, not held corporate social responsibility optional
optional, not held microfinance optional
optional, not held accounting techniques optional
optional, not held audit techniques optional
optional, not held business loans optional
optional, not held credit card payments optional
optional, not held mortgage loans optional
optional, not held property law optional
optional, not held securities optional

02 information skills 3 required, 5 supplementary

required, not held consult credit score required
required, not held assess debtor's financial situation required
required, not held provide support in financial calculation required

optional, not held determine loan conditions optional
optional, not held monitor national economy optional
optional, not held prepare credit reports optional
optional, not held assess risks of clients' assets optional
optional, not held forecast future levels of business optional

03 communication, collaboration and creativity 3 required, 1 supplementary

required, not held prepare credit offers required
required, not held advise on financial matters required
required, not held provide financial product information required

optional, not held communicate with banking professionals optional

04 social sciences, journalism and information 1 required

required, not held economics required

05 management skills 1 supplementary

optional, not held create a financial plan optional

06 services 1 supplementary

optional, not held consumer protection optional

Table 4

Table 4 · Where to start

The 3 entries a credit adviser 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 analyse loans skill
already held analyse the credit history of potential customers skill
already held examine credit ratings skill
already held insolvency law knowledge
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 advise on credit rating skill
already held advise on risk management skill
already held analyse financial risk skill
already held banking activities knowledge
already held budget for financial needs skill
already held develop investment portfolio skill
already held interpret financial statements skill
already held interview bank loanees skill
already held investment analysis knowledge
already held review investment portfolios skill
already held synthesise financial information skill
already held tax legislation knowledge

17 supplementary skills, helpful but not required

Skill to acquire Tier

optional, not held corporate social responsibility optional
optional, not held determine loan conditions optional
optional, not held microfinance optional
optional, not held monitor national economy optional
optional, not held prepare credit reports optional
optional, not held accounting techniques optional
optional, not held assess risks of clients' assets optional
optional, not held audit techniques optional
optional, not held business loans optional
optional, not held communicate with banking professionals optional
optional, not held consumer protection optional
optional, not held create a financial plan optional
optional, not held credit card payments optional
optional, not held forecast future levels of business optional
optional, not held mortgage loans optional
optional, not held property law optional
optional, not held securities optional

11 held skills the credit adviser role does not ask for

Skill Type

not needed by the target role accounting knowledge
not needed by the target role analyse market financial trends skill
not needed by the target role apply credit risk policy skill
not needed by the target role debt classification knowledge
not needed by the target role financial engineering knowledge
not needed by the target role financial forecasting knowledge
not needed by the target role financial statements knowledge
not needed by the target role interview techniques knowledge
not needed by the target role manage securities skill
not needed by the target role public offering knowledge
not needed by the target role stock market knowledge

14 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 credit control processes required
required, not held debt systems required
required, not held economics required
required, not held financial products required
optional, not held corporate social responsibility optional
optional, not held microfinance optional
optional, not held accounting techniques optional
optional, not held audit techniques optional
optional, not held business loans optional
optional, not held consumer protection optional
optional, not held credit card payments optional
optional, not held mortgage loans optional
optional, not held property law optional
optional, not held securities optional

Index

Other moves recorded from credit analyst

Full index of moves from credit analyst

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.