ISCO Occupation Group 3312.2 Credit Adviser
From Open Risk Manual
Contents
Definition
Credit Adviser: Credit advisers offer guidance to customers related to credit services. They assess the customer's financial situation and debt issues arisen from credit cards, medical bills and car loans in order to identify optimal credit solutions for customers and also provide debt elimination plans to adjust their finances if needed. They prepare qualitative credit analyses and decision-making material in respect of defined customers in conformity with the bank's strategy on credit policy, ensure the credit quality and follow up on the performance of the credit portfolio. Credit advisers also have expertise in debt management and credit consolidation.
Essential Skills
- Examine Credit Ratings
- Insolvency Law
- Assess Debtor'S Financial Situation
- Analyse The Credit History Of Potential Customers
- Credit Control Processes
- Provide Financial Product Information
- Prepare Credit Offers
- Debt Systems
- Maintain Client Debt Records
- Perform Debt Investigation
- Financial Products
- Economics
- Provide Support In Financial Calculation
- Advise On Financial Matters
- Consult Credit Score
- Obtain Financial Information
- Maintain Credit History Of Clients
- Analyse Loans
Optional Skills
- Synthesise Financial Information
- Create A Financial Plan
- Credit Card Payments
- Assess Risks Of Clients' Assets
- Communicate With Banking Professionals
- Banking Activities
- Audit Techniques
- Prepare Credit Reports
- Interpret Financial Statements
- Monitor National Economy
- Forecast Future Levels Of Business
- Corporate Social Responsibility
- Investment Analysis
- Develop Investment Portfolio
- Interview Bank Loanees
- Advise On Risk Management
- Review Investment Portfolios
- Consumer Protection
- Analyse Financial Risk
- Budget For Financial Needs
- Accounting Techniques
- Securities
- Tax Legislation
- Advise On Credit Rating
- Property Law
- Mortgage Loans
- Determine Loan Conditions
- Business Loans
Alternative Names
- Credit Intermediaries
- Credit Counsellors
- Credit Advisors
- Certified Credit Counselor
- Credit Intermediary
- Certified Credit Counselors
- Debt Counsellors
- Credit Counselor
- Debt Counselors
- Credit Counselors
- Certified Credit Counsellors
- Debt Counsellor
- Credit Analysts
Specializations
| Specialization | Title |
|---|---|
| C3312.2.1 | ISCO Specialization 3312.2.1 Credit Analyst |
