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Career and Education Opportunities for Credit Analysts in Mesquite, Texas

Credit analysts can find both educational opportunities and jobs in the Mesquite, Texas area. Currently, 5,070 people work as credit analysts in Texas. This is expected to grow by 6% to 5,360 people by 2016. This is not quite as good as the national trend for credit analysts, which 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.

The income of a credit analyst is about $25 hourly or $53,520 annually on average in Texas. In the U.S. as a whole, their income is about $26 hourly or $55,250 yearly on average. Credit analysts earn less than people working in the category of Accounting and Auditing generally in Texas and less than people in the Accounting and Auditing category nationally. Credit analysts work in a variety of jobs, including: loan officer, factorer, and financial analyst.

There are seventy-six schools of higher education in the Mesquite area, including sixteen within twenty-five miles of Mesquite where you can get a degree to start your career 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 Mesquite 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.
  • 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

Dallas Baptist University - Dallas, TX

Dallas Baptist University, 3000 Mountain Creek Parkway, Dallas, TX 75211-9299. Dallas Baptist University is a medium sized university located in Dallas, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 5,297 students and an admission rate of 47%. Dallas Baptist University has 2 areas of study related to Credit Analyst. They are:

  • Accounting, bachelor's degree.
  • Finance, bachelor's degree and master's degree which graduated zero and one students respectively in 2008.

University of Dallas - Irving, TX

University of Dallas, 1845 E Northgate Drive, Irving, TX 75062-4736. University of Dallas is a small university located in Irving, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 2,977 students and an admission rate of 91%. University of Dallas has a master's degree program in Accounting which graduated thirteen students in 2008.

Brookhaven College - Farmers Branch, TX

Brookhaven College, 3939 Valley View Ln, Farmers Branch, TX 75244-4997. Brookhaven College is a large college located in Farmers Branch, Texas. It is a public school with primarily 2-year programs and has 11,173 students. Brookhaven College has a one to two year and an associate's degree program in Accounting which graduated thirty-six and twelve students respectively in 2008.

Paul Quinn College - Dallas, TX

Paul Quinn College, 3837 Simpson Stuart Rd, Dallas, TX 75241. Paul Quinn College is a small college located in Dallas, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 362 students and an admission rate of 11%. Paul Quinn College has a bachelor's degree program in Accounting which graduated five students in 2008.

El Centro College - Dallas, TX

El Centro College, 801 Main, Dallas, TX 75202-3604. El Centro College is a medium sized college located in Dallas, Texas. It is a public school with primarily 2-year programs and has 8,114 students. El Centro College has a one to two year and an associate's degree program in Accounting which graduated eight and two students respectively in 2008.

Northwood University - Cedar Hill, TX

Northwood University, 1114 W FM 1382, Cedar Hill, TX 75104-1204. Northwood University is a small university located in Cedar Hill, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 864 students and an admission rate of 55%. Northwood University has an associate's degree and a bachelor's degree program in Accounting which graduated seven and ten students respectively in 2008.

Southern Methodist University - Dallas, TX

Southern Methodist University, 6425 Boaz St, Dallas, TX 75275-0221. Southern Methodist University is a large university located in Dallas, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 10,965 students and an admission rate of 50%. Southern Methodist University has 2 areas of study related to Credit Analyst. They are:

  • Accounting, bachelor's degree and master's degree which graduated fifty-nine and sixty-five students respectively in 2008.
  • Finance, bachelor's degree and master's degree which graduated 165 and eleven students respectively in 2008.

Mountain View College - Dallas, TX

Mountain View College, 4849 W Illinois, Dallas, TX 75211-6599. Mountain View College is a medium sized college located in Dallas, Texas. It is a public school with primarily 2-year programs and has 7,126 students. Mountain View College has a one to two year and an associate's degree program in Accounting which graduated eleven and eight students respectively in 2008.

The University of Texas at Dallas - Richardson, TX

The University of Texas at Dallas, 800 West Campbell Road, Richardson, TX 75080-3021. The University of Texas at Dallas is a large university located in Richardson, Texas. It is a public school with primarily 4-year or above programs. It has 14,940 students and an admission rate of 54%. The University of Texas at Dallas has 2 areas of study related to Credit Analyst. They are:

  • Accounting, bachelor's degree and master's degree which graduated 184 and 192 students respectively in 2008.
  • Finance, bachelor's degree which graduated 193 students in 2008.

Richland College - Dallas, TX

Richland College, 12800 Abrams Rd, Dallas, TX 75243-2199. Richland College is a large college located in Dallas, Texas. It is a public school with primarily 2-year programs and has 15,917 students. Richland College has a one to two year and an associate's degree program in Accounting which graduated fifty and nineteen students respectively in 2008.

North Lake College - Irving, TX

North Lake College, 5001 N MacArthur Blvd, Irving, TX 75038-3899. North Lake College is a large college located in Irving, Texas. It is a public school with primarily 2-year programs and has 10,174 students. North Lake College has a one to two year and an associate's degree program in Accounting which graduated ten and six students respectively in 2008.

Amberton University - Garland, TX

Amberton University, 1700 Eastgate Dr, Garland, TX 75041-5595. Amberton University is a small university located in Garland, Texas. It is a private not-for-profit school with primarily 4-year or above programs and has 1,562 students. Amberton University has a bachelor's degree program in Accounting which graduated ten students in 2008.

University of Phoenix-Dallas Fort Worth Campus - Dallas, TX

University of Phoenix-Dallas Fort Worth Campus, 12400 Coit Road, Churchill Towers, Suite 200, Dallas, TX 75251-2009. University of Phoenix-Dallas Fort Worth Campus is a small university located in Dallas, Texas. It is a private for-profit school with primarily 4-year or above programs and has 1,198 students. University of Phoenix-Dallas Fort Worth Campus has an associate's degree and a bachelor's degree program in Accounting which graduated one and nineteen students respectively in 2008.

Eastfield College - Mesquite, TX

Eastfield College, 3737 Motley Dr, Mesquite, TX 75150-2099. Eastfield College is a large college located in Mesquite, Texas. It is a public school with primarily 2-year programs and has 10,501 students. Eastfield College has a one to two year and an associate's degree program in Accounting which graduated zero and one students respectively in 2008.

Cedar Valley College - Lancaster, TX

Cedar Valley College, 3030 N Dallas Ave, Lancaster, TX 75134-3799. Cedar Valley College is a medium sized college located in Lancaster, Texas. It is a public school with primarily 2-year programs and has 5,223 students. Cedar Valley College has a one to two year and an associate's degree program in Accounting which graduated twenty-two and eight students respectively in 2008.

Southwestern Assemblies of God University - Waxahachie, TX

Southwestern Assemblies of God University, 1200 Sycamore, Waxahachie, TX 75165. Southwestern Assemblies of God University is a small university located in Waxahachie, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 1,891 students and an admission rate of 98%. Southwestern Assemblies of God University has a bachelor's degree program in Accounting which graduated one student in 2008.

LOCATION INFORMATION: Mesquite, Texas

Mesquite, Texas
Mesquite, Texas photo by Justin Cozart

Mesquite is situated in Dallas County, Texas. It has a population of over 132,123, which has grown by 6.1% in the past ten years. The cost of living index in Mesquite, 89, is well below the national average. New single-family homes in Mesquite cost $155,500 on average, which is well below the state average. In 2008, sixty-four new homes were constructed in Mesquite, down from one hundred thirty-two the previous year.

The three most popular industries for women in Mesquite are health care, educational services, and finance and insurance. For men, it is construction, professional, scientific, and technical services, and administrative and support and waste management services. The average travel time to work is about 29 minutes. More than 18.5% of Mesquite residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 5.5%, is lower than the state average.

The unemployment rate in Mesquite is 8.2%, which is greater than Texas's average of 8.1%.

The percentage of Mesquite residents that are affiliated with a religious congregation, 55.1%, is more than the national average but less than the state average. Pentecostal Church of God Christian Assembly, Central Assembly of God Church and Prairie Creek Bible Baptist Church are among the churches located in Mesquite. The most common religious groups are the Catholic Church, the Southern Baptist Convention and the United Methodist Church.

Mesquite is home to the Light Crust Doughboys Hall of Fame Museum and the Town East Centre as well as Mesquite Memorial Stadium and Tosch Park. Visitors to Mesquite can choose from Chet' s Electronic Lock & Repair, Big Town Inn and Classic Inn for temporary stays in the area.