A professional who analyzes credit information to determine risk involved in lending money to commercial customers, and prepares report of findings. Responsibilities include:

• Selects information, including company financial statements and balance sheet and records data on spreadsheet, using computer.
• Enters codes for computer program to generate ratios for use in evaluating commercial customer's financial status.
• Compares items, such as liquidity, profitability, credit history, and cash, with other companies of same industry, size, and geographic location.
• Analyzes such factors as income growth, quality of management, market share, potential risks of industry, and collateral appraisal.
• Writes offering sheet (loan application), including results of credit analysis and summary of loan request.
• Describes credit risk and amount of loan profit.
• Submits offering sheet to loan committee for decision.
• May visit company to collect information as part of analysis.