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Career and Education Opportunities for Credit Analysts in Antioch, California

Antioch, California provides a wide variety of opportunities, both career and educational, for credit analysts. The national trend for credit analysts sees this job pool growing by about 15.0% over the next eight years. Credit analysts generally analyze current credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money.

Credit analysts earn about $29 hourly or $61,940 annually on average in California and about $26 per hour or $55,250 annually on average nationally. Incomes for credit analysts are not quite as good as in the overall category of Accounting and Auditing in California, and not quite as good as the overall Accounting and Auditing category nationally. Credit analysts work in a variety of jobs, including: credit negotiator, credit manager, and financial analyst.

There are sixty-four schools of higher education in the Antioch area, including fifteen within twenty-five miles of Antioch where you can get a degree to start your career as a credit analyst. Credit analysts usually hold a Bachelor's degree, so you can expect to spend about four years training to become a credit analyst if you already have a high school diploma.

CAREER DESCRIPTION: Credit Analyst

Credit Analyst video from the State of New Jersey Dept. of Labor and Workforce Development

In general, credit analysts analyze current credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. They also prepare reports with this credit information for use in decision-making.

Credit analysts analyze credit data and financial statements to establish the degree of risk involved in extending credit or lending money. They also compare liquidity and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. Finally, credit analysts talk with credit associations and other business representatives to exchange credit data.

Every day, credit analysts are expected to be able to think through problems and come up with general rules. They need to articulate ideas and problems. It is also important that they deal with basic arithmetic problems.

It is important for credit analysts to generate financial ratios, using computer programs, to review customers' financial status. They are often called upon to confer with customers to deal with complaints and verify financial and credit transactions. They also ready reports that include the degree of risk involved in extending credit or lending money. They are sometimes expected to inspect individual or commercial customer files to pinpoint and decide on delinquent accounts for collection. Somewhat less frequently, credit analysts are also expected to analyze financial data such as income growth, quality of management, and market share to establish expected profitability of loans.

They also have to be able to analyze financial data such as income growth, quality of management, and market share to establish expected profitability of loans and evaluate customer records and recommend payment plans on the basis of earnings and purchase activity. And finally, they sometimes have to analyze credit data and financial statements to establish the degree of risk involved in extending credit or lending money.

Like many other jobs, credit analysts must have exceptional integrity and be thorough and dependable.

Similar jobs with educational opportunities in Antioch include:

  • Accountant. Analyze financial information and prepare financial reports to determine or maintain records of assets, liabilities, profit and loss, tax liability, or other financial activities within an organization.
  • Assessor. Appraise real and personal property to determine its fair value. May assess taxes in accordance with prescribed schedules.
  • Auditor. Examine and analyze accounting records to determine financial status of establishment and prepare financial reports concerning operating procedures.
  • Budget Analyst. Examine budget estimates for completeness, accuracy, and conformance with procedures and regulations. Analyze budgeting and accounting reports for the purpose of maintaining expenditure controls.
  • Cost Analyst. Prepare cost estimates for product manufacturing, construction projects, or services to aid management in bidding on or determining price of product or service. May specialize according to particular service performed or type of product manufactured.
  • Financial Analyst. Conduct quantitative analyses of information affecting investment programs of public or private institutions.
  • Financial Examiner. Enforce or ensure compliance with laws and regulations governing financial and securities institutions and financial and real estate transactions. May examine, verify correctness of, or establish authenticity of records.
  • Income Tax Advisor. Prepare tax returns for individuals or small businesses but do not have the background or responsibilities of an accredited or certified public accountant.
  • Insurance Underwriter. Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
  • Loan Counselor. Provide guidance to prospective loan applicants who have problems qualifying for traditional loans. Guidance may include determining the best type of loan and explaining loan requirements or restrictions.
  • Loan Officer. Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and methods of payments. Includes mortgage loan officers and agents, collection analysts, loan servicing officers, and loan underwriters.
  • Personal Financial Planner. Advise clients on financial plans utilizing knowledge of tax and investment strategies, securities, and real estate. Duties include assessing clients' assets, liabilities, and financial objectives to establish investment strategies.
  • Real Estate Appraiser. Appraise real property to determine its value for purchase, sales, or loan purposes.
  • Tax Examiner. Determine tax liability or collect taxes from individuals or business firms according to prescribed laws and regulations.

EDUCATIONAL OPPORTUNITIES: Credit Analyst Training

Holy Names University - Oakland, CA

Holy Names University, 3500 Mountain Blvd, Oakland, CA 94619-1699. Holy Names University is a small university located in Oakland, California. It is a private not-for-profit school with primarily 4-year or above programs. It has 1,103 students and an admission rate of 74%. Holy Names University has a master's degree program in Finance which graduated three students in 2008.

Diablo Valley College - Pleasant Hill, CA

Diablo Valley College, 321 Golf Club Rd, Pleasant Hill, CA 94523. Diablo Valley College is a large college located in Pleasant Hill, California. It is a public school with primarily 2-year programs and has 19,768 students. Diablo Valley College has a less than one year and a two to four year program in Accounting which graduated thirty and zero students respectively in 2008.

Los Medanos College - Pittsburg, CA

Los Medanos College, 2700 East Leland Road, Pittsburg, CA 94565. Los Medanos College is a medium sized college located in Pittsburg, California. It is a public school with primarily 2-year programs and has 8,360 students. Los Medanos College has less than one year, associate's degree, and two to four year programs in Accounting which graduated one, four, and zero students respectively in 2008.

Las Positas College - Livermore, CA

Las Positas College, 3033 Collier Cyn Rd, Livermore, CA 94551-7650. Las Positas College is a medium sized college located in Livermore, California. It is a public school with primarily 2-year programs and has 8,098 students. Las Positas College has a one to two year and a two to four year program in Accounting which graduated four and zero students respectively in 2008.

San Joaquin Delta College - Stockton, CA

San Joaquin Delta College, 5151 Pacific Ave, Stockton, CA 95207. San Joaquin Delta College is a large college located in Stockton, California. It is a public school with primarily 2-year programs and has 20,480 students. San Joaquin Delta College has less than one year, one to two year, associate's degree, and two to four year programs in Accounting which graduated two, twenty-five, seven, and zero students respectively in 2008.

Heald College-Concord - Concord, CA

Heald College-Concord, 5130 Commercial Circle, Concord, CA 94520-0522. Heald College-Concord is a small college located in Concord, California. It is a private for-profit school with primarily 2-year programs and has 1,107 students. Heald College-Concord has a less than one year and an associate's degree program in Accounting.

Chabot College - Hayward, CA

Chabot College, 25555 Hesperian Blvd, Hayward, CA 94545. Chabot College is a large college located in Hayward, California. It is a public school with primarily 2-year programs and has 14,299 students. Chabot College has less than one year, associate's degree, and two to four year programs in Accounting which graduated eleven, nine, and zero students respectively in 2008.

Berkeley City College - Berkeley, CA

Berkeley City College, 2050 Center St, Berkeley, CA 94704. Berkeley City College is a medium sized college located in Berkeley, California. It is a public school with primarily 2-year programs and has 6,000 students. Berkeley City College has an associate's degree program in Accounting which graduated two students in 2008.

Merritt College - Oakland, CA

Merritt College, 12500 Campus Dr, Oakland, CA 94619-3196. Merritt College is a medium sized college located in Oakland, California. It is a public school with primarily 2-year programs and has 7,025 students. Merritt College has an associate's degree and a two to four year program in Accounting which graduated twelve and zero students respectively in 2008.

University of Phoenix-Bay Area Campus - Pleasanton, CA

University of Phoenix-Bay Area Campus, 7901 Stoneridge Drive, Suite 130, Pleasanton, CA 94588-3677. University of Phoenix-Bay Area Campus is a small university located in Pleasanton, California. It is a private for-profit school with primarily 4-year or above programs and has 1,784 students. University of Phoenix-Bay Area Campus has an associate's degree and a bachelor's degree program in Accounting which graduated one and twenty-four students respectively in 2008.

Saint Marys College of California - Moraga, CA

Saint Marys College of California, 1928 Saint Marys Road, Moraga, CA 94556. Saint Marys College of California is a small college located in Moraga, California. It is a private not-for-profit school with primarily 4-year or above programs. It has 3,809 students and an admission rate of 81%. Saint Marys College of California has a bachelor's degree program in Accounting which graduated thirty-one students in 2008.

Contra Costa College - San Pablo, CA

Contra Costa College, 2600 Mission Bell Dr, San Pablo, CA 94806-3195. Contra Costa College is a medium sized college located in San Pablo, California. It is a public school with primarily 2-year programs and has 7,147 students. Contra Costa College has a less than one year and a two to four year program in Accounting which graduated eight and zero students respectively in 2008.

College of Alameda - Alameda, CA

College of Alameda, 555 Ralph Appezzato Memorial Parkway, Alameda, CA 94501. College of Alameda is a medium sized college located in Alameda, California. It is a public school with primarily 2-year programs and has 6,576 students. College of Alameda has less than one year, associate's degree, and two to four year programs in Accounting which graduated eleven, six, and zero students respectively in 2008.

Humphreys College-Stockton - Stockton, CA

Humphreys College-Stockton, 6650 Inglewood Ave, Stockton, CA 95207-3896. Humphreys College-Stockton is a small college located in Stockton, California. It is a private not-for-profit school with primarily 4-year or above programs and has 811 students. Humphreys College-Stockton has less than one year, associate's degree, and bachelor's degree programs in Accounting which graduated zero, eight, and eleven students respectively in 2008.

Laney College - Oakland, CA

Laney College, 900 Fallon St, Oakland, CA 94607. Laney College is a large college located in Oakland, California. It is a public school with primarily 2-year programs and has 13,104 students. Laney College has less than one year, associate's degree, and two to four year programs in Accounting which graduated nineteen, twenty, and zero students respectively in 2008.

LOCATION INFORMATION: Antioch, California

Antioch, California
Antioch, California photo by Hughly741

Antioch is located in Contra Costa County, California. It has a population of over 100,219, which has grown by 10.7% in the past ten years. The cost of living index in Antioch, 150, is far greater than the national average. New single-family homes in Antioch cost $255,600 on average, which is well below the state average. In 2008, one hundred twenty-two new homes were constructed in Antioch, down from one hundred fifty-eight the previous year.

The three big industries for women in Antioch are health care, finance and insurance, and educational services. For men, it is construction, administrative and support and waste management services, and professional, scientific, and technical services. The average travel time to work is about 42 minutes. More than 18.2% of Antioch residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 4.6%, is lower than the state average.

The unemployment rate in Antioch is 12.9%, which is greater than California's average of 12.3%.

The percentage of Antioch residents that are affiliated with a religious congregation, 38.9%, is less than both the national and state average. Iglesia Biblica Bautista Antioquia, Lone Tree Community Church and Calvary Chapel are all churches located in Antioch. The most prominent religious groups are the Catholic Church, the Baptist General Conference and the LDS (Mormon) Church.

Antioch is home to the Antioch Historical Center and the Lupine Rock Picnic Area as well as Williamson Ranch Park and Fairview Park. Shopping malls in the area include Antioch Square Shopping Center, Raleys Shopping Center and Century Plaza Shopping Center. Visitors to Antioch can choose from Antioch Executive Inn, Best Western Heritage Inn Antioch and Antioch Comfort Suites for temporary stays in the area.