Job catalog - Employment
Cataleg D ocupacions capçalera
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Catalogue of occupations
Ocupacions
Credit adviser
Certified credit counselor Credit adviser Credit counselor Credit intermediary Debt counsellor
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.
Tasks
Tasks include -
(a) Interviewing applicants for personal, mortgage, student and business loans;
(b) Researching and evaluating loan applicant’s financial status, references, credit and ability to repay the loan;
(c) Submitting credit and loan applications to management with recommendations for approval or rejection;
(d) Approving or rejecting loan applications within authorized limits ensuring that credit standards of the institution are respected;
(e) Keeping records of payments, and preparing routine letters requesting payment for overdue accounts and forwarding these for legal action;
(f) Completing credit and loan documentation.
Knowledge
- Finance, banking and insurance
- Management and administration
- Law
- Economics
- Accounting and taxation
Digital competencies
- Analysing financial and economic data
- Providing financial advice
- Communicating with colleagues and clients
- Analysing business operations
- Performing risk analysis and management
Digital competencies
No skills and knowledge of the occupation have been found. Only skills and knowledge relevant and requested by companies in their job offers are displayed.
Personal competencies
- Processing information, ideas and concepts
- Supporting others
- Communicating
Professional groups of the occupation
Technicians and associate professionals
Business and administration associate professionals
Financial and mathematical associate professionals
Credit and loans officers
Other occupations of the professional group
Do you want to know the demand for this occupation in the market?
Contracts and job seekers in the last year in Barcelonès
Credit and loans officers
115
Number of contracts in Barcelonès
69,70%
Percentage of contracts in Catalonia
11,65% Interannual variation of contracts in Barcelonès
98,26%
Permanent contracts over total contracts in Barcelonès
20,00%
Part-time contracts
1,01% Turnover index
149
Average of job seekers in Barcelonès
-3%
Interannual variation of job seekers in Barcelonès
Data source: Observatori del Treball i Model Productiu, Government of Catalonia
The market for this profile is hiring
Contracts in u00e8 over the past year by sex and age
Contracts by gender in Barcelonès.
Business and administration associate professionals
61%
39%
Data source: Observatori del Treball i Model Productiu, Government of Catalonia
Contracts by age groups.
Business and administration associate professionals
Data source: Observatori del Treball i Model Productiu, Government of Catalonia
What vacancies are published in the professional family?
Vacancies published by professional family and type of contract in Barcelonès over the past year
Financial and mathematical associate professionals
| Occupation | Vacancies | Permanent contracts |
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Data source: Data generated from the analysis of Lightcast data and the Observatory of Work and Productive Model of the Government of Catalonia.
What experience is required for the vacancies? Which sectors are looking for this occupation?
Credit and loans officers
Data source: Own elaboration based on the data of vacancies extracted by Lightcast.
The vacancies published are for working in:
Job vacancies posted by county
Data source: Own elaboration based on the data of vacancies extracted by Lightcast.
Occupations that share knowledge and skills
This service uses the ESCO classification of the European Commission.
