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Career and Education Opportunities for Credit Analysts in Chula Vista, California

There are many career and education opportunities for credit analysts in the Chula Vista, California area. The national trend for credit analysts sees this job pool growing by about 15.0% over the next eight years. 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.

The income of a credit analyst is about $29 hourly or $61,940 yearly on average in California. In the U.S. as a whole, their income is about $26 per hour or $55,250 yearly on average. 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. People working as credit analysts can fill a number of jobs, such as: credit negotiator, risk analyst, and escrow representative.

The Chula Vista area is home to sixty schools of higher education, including fourteen within twenty-five miles of Chula Vista where you can get a degree as a credit analyst. Credit analysts usually hold a Bachelor's degree, so it will take about four years to learn to be 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 Chula Vista 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

MiraCosta College - Oceanside, CA

MiraCosta College, One Barnard Drive, Oceanside, CA 92056-3899. MiraCosta College is a large college located in Oceanside, California. It is a public school with primarily 2-year programs and has 11,910 students. MiraCosta College has less than one year, one to two year, associate's degree, and two to four year programs in Accounting which graduated thirty-three, eleven, five, and zero students respectively in 2008.

California College-San Diego - San Diego, CA

California College-San Diego, 2820 Camino Del Rio South, Suite 300, San Diego, CA 92108-3824. California College-San Diego is a small college located in San Diego, California. It is a private for-profit school with primarily 4-year or above programs and has 901 students. California College-San Diego has a bachelor's degree program in Accounting which graduated eight students in 2008.

Cuyamaca College - El Cajon, CA

Cuyamaca College, 900 Rancho San Diego Pky, El Cajon, CA 92019. Cuyamaca College is a medium sized college located in El Cajon, California. It is a public school with primarily 2-year programs and has 9,926 students. Cuyamaca College has less than one year, one to two year, associate's degree, and two to four year programs in Accounting which graduated five, eleven, six, and zero students respectively in 2008.

San Diego City College - San Diego, CA

San Diego City College, 1313 Park Boulevard, San Diego, CA 92101-4787. San Diego City College is a large college located in San Diego, California. It is a public school with primarily 2-year programs and has 17,372 students. San Diego City College has a less than one year and an associate's degree program in Accounting which graduated zero and four students respectively in 2008.

University of San Diego - San Diego, CA

University of San Diego, 5998 Alcala Park, San Diego, CA 92110-2492. University of San Diego is a medium sized university located in San Diego, California. It is a private not-for-profit school with primarily 4-year or above programs. It has 7,832 students and an admission rate of 52%. University of San Diego has 2 areas of study related to Credit Analyst. They are:

  • Accounting, bachelor's degree which graduated 2 students in 2008.
  • Finance, bachelor's degree which graduated 3 students in 2008.

San Diego Mesa College - San Diego, CA

San Diego Mesa College, 7250 Mesa College Dr, San Diego, CA 92111-4998. San Diego Mesa College is a large college located in San Diego, California. It is a public school with primarily 2-year programs and has 21,460 students. San Diego Mesa College has less than one year, one to two year, and associate's degree programs in Accounting which graduated thirteen, one, and thirteen students respectively in 2008.

San Diego State University - San Diego, CA

San Diego State University, 5500 Campanile Dr, San Diego, CA 92182. San Diego State University is a large university located in San Diego, California. It is a public school with primarily 4-year or above programs. It has 34,889 students and an admission rate of 44%. San Diego State University has a master's degree program in Accounting which graduated seventy-four students in 2008.

Palomar College - San Marcos, CA

Palomar College, 1140 W. Mission, San Marcos, CA 92069-1487. Palomar College is a large college located in San Marcos, California. It is a public school with primarily 2-year programs and has 28,093 students. Palomar College has less than one year, one to two year, associate's degree, and two to four year programs in Accounting which graduated twenty-seven, eighteen, twelve, and zero students respectively in 2008.

Argosy University-San Diego - San Diego, CA

Argosy University-San Diego, 1615 Murray Canyon Road, Suite 100, San Diego, CA 92108. Argosy University-San Diego is a small university located in San Diego, California. It is a private for-profit school with primarily 4-year or above programs. It has 175 students and an admission rate of 87%. Argosy University-San Diego has an associate's degree program in Accounting.

National University - La Jolla, CA

National University, 11255 North Torrey Pines Road, La Jolla, CA 92037-1011. National University is a large university located in La Jolla, California. It is a private not-for-profit school with primarily 4-year or above programs and has 26,414 students. National University has a master's degree program in Finance which graduated eight students in 2008.

California State University-San Marcos - San Marcos, CA

California State University-San Marcos, 333 S Twin Oaks Valley Rd, San Marcos, CA 92096-0001. California State University-San Marcos is a medium sized university located in San Marcos, California. It is a public school with primarily 4-year or above programs. It has 9,165 students and an admission rate of 72%. California State University-San Marcos has a bachelor's degree program in Finance which graduated thirty-three students in 2008.

Southwestern College - Chula Vista, CA

Southwestern College, 900 Otay Lakes Rd, Chula Vista, CA 91910-7299. Southwestern College is a large college located in Chula Vista, California. It is a public school with primarily 2-year programs and has 19,997 students. Southwestern College has less than one year, associate's degree, and two to four year programs in Accounting which graduated twenty-two, thirty-four, and zero students respectively in 2008.

Point Loma Nazarene University - San Diego, CA

Point Loma Nazarene University, 3900 Lomaland Dr, San Diego, CA 92106-2899. Point Loma Nazarene University is a small university located in San Diego, California. It is a private not-for-profit school with primarily 4-year or above programs. It has 3,681 students and an admission rate of 78%. Point Loma Nazarene University has a bachelor's degree program in Accounting which graduated five students in 2008.

University of Phoenix-San Diego Campus - San Diego, CA

University of Phoenix-San Diego Campus, 3890 Murphy Canyon Road Suite 100, San Diego, CA 92123-4448. University of Phoenix-San Diego Campus is a small university located in San Diego, California. It is a private for-profit school with primarily 4-year or above programs and has 2,476 students. University of Phoenix-San Diego Campus has an associate's degree and a bachelor's degree program in Accounting which graduated two and twenty-nine students respectively in 2008.

LOCATION INFORMATION: Chula Vista, California

Chula Vista, California
Chula Vista, California photo by FlickreviewR

Chula Vista is located in San Diego County, California. It has a population of over 219,318, which has grown by 26.4% in the past ten years. The cost of living index in Chula Vista, 134, is far greater than the national average. New single-family homes in Chula Vista are valued at $226,700 on average, which is far less than the state average. In 2008, one hundred eleven new homes were built in Chula Vista, down from three hundred twelve the previous year.

The three big industries for women in Chula Vista are health care, educational services, and public administration. For men, it is construction, public administration, and accommodation and food services. The average commute to work is about 27 minutes. More than 22.2% of Chula Vista residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 7.2%, is lower than the state average.

The unemployment rate in Chula Vista is 12.3%, which is the same as California's average of 12.3%.

The percentage of Chula Vista residents that are affiliated with a religious congregation, 43.7%, is less than both the national and state average. Seventh Day Adventist Church, First Christian Church and First Church of Christ are some of the churches located in Chula Vista. The largest religious groups are the Catholic Church, the LDS (Mormon) Church and the Southern Baptist Convention.

Chula Vista is home to the Fenton Ranch and the Chula Vista Municipal Golf Course as well as Los Ninos Park and Library Park. Shopping centers in the area include Florence Shopping Center, Rio Sweetwater Plaza Shopping Center and Genesis Square Shopping Center. Visitors to Chula Vista can choose from Best Western Chula Vista Inn, Bay Cities Motel and Big 7 Motel for temporary stays in the area.