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Career and Education Opportunities for Credit Analysts in San Antonio, Texas

Many educational and employment opportunities exist for credit analysts in the San Antonio, Texas area. There are currently 5,070 working credit analysts in Texas; this should grow 6% to about 5,360 working credit analysts in the state by 2016. This is not quite as good as the nation as a whole, where employment opportunities for credit analysts are expected to grow by about 15.0%. 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 approximately $25 per hour or $53,520 yearly on average in Texas. Nationally they average about $26 per hour or $55,250 per year. Earnings for credit analysts are not quite as good as earnings in the general category of Accounting and Auditing in Texas and not quite as good as general Accounting and Auditing category earnings nationally. Jobs in this field include: factorer, loan review analyst, and analyst.

There are forty schools of higher education in the San Antonio area, including ten within twenty-five miles of San Antonio 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 San Antonio 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

Our Lady of the Lake University-San Antonio - San Antonio, TX

Our Lady of the Lake University-San Antonio, 411 SW 24th St, San Antonio, TX 78207-4689. Our Lady of the Lake University-San Antonio is a small university located in San Antonio, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 2,642 students and an admission rate of 51%. Our Lady of the Lake University-San Antonio has a bachelor's degree and a master's degree program in Accounting which graduated thirteen and three students respectively in 2008.

Schreiner University - Kerrville, TX

Schreiner University, 2100 Memorial Blvd, Kerrville, TX 78028-5697. Schreiner University is a small university located in Kerrville, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 974 students and an admission rate of 59%. Schreiner University has 2 areas of study related to Credit Analyst. They are:

  • Accounting, bachelor's degree.
  • Finance, bachelor's degree which graduated 4 students in 2008.

Texas State University-San Marcos - San Marcos, TX

Texas State University-San Marcos, 601 University Dr, San Marcos, TX 78666. Texas State University-San Marcos is a large university located in San Marcos, Texas. It is a public school with primarily 4-year or above programs. It has 29,125 students and an admission rate of 74%. Texas State University-San Marcos has 2 areas of study related to Credit Analyst. They are:

  • Accounting, bachelor's degree and master's degree which graduated zero and eighty-four students respectively in 2008.
  • Finance, bachelor's degree which graduated 1 student in 2008.

University of Phoenix-San Antonio Campus - San Antonio, TX

University of Phoenix-San Antonio Campus, 8200 IH-10 West Suite 910, San Antonio, TX 78230-3876. University of Phoenix-San Antonio Campus is a small university located in San Antonio, Texas. It is a private for-profit school with primarily 4-year or above programs and has 664 students. University of Phoenix-San Antonio Campus has a bachelor's degree program in Accounting which graduated three students in 2008.

Palo Alto College - San Antonio, TX

Palo Alto College, 1400 Villaret, San Antonio, TX 78224-2499. Palo Alto College is a medium sized college located in San Antonio, Texas. It is a public school with primarily 2-year programs and has 7,791 students. Palo Alto College has an associate's degree program in Accounting which graduated fifteen students in 2008.

The University of Texas at San Antonio - San Antonio, TX

The University of Texas at San Antonio, One UTSA Circle, San Antonio, TX 78249-1644. The University of Texas at San Antonio is a large university located in San Antonio, Texas. It is a public school with primarily 4-year or above programs. It has 28,413 students and an admission rate of 93%. The University of Texas at San Antonio has 2 areas of study related to Credit Analyst. They are:

  • Accounting, bachelor's degree, master's degree, and doctor's degree which graduated two, thirty, and one students respectively in 2008.
  • Finance, bachelor's degree, master's degree, and doctor's degree which graduated eight, thirty-nine, and zero students respectively in 2008.

St Marys University - San Antonio, TX

St Marys University, One Camino Santa Maria, San Antonio, TX 78228-8572. St Marys University is a small university located in San Antonio, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 3,888 students and an admission rate of 63%. St Marys University has 2 areas of study related to Credit Analyst. They are:

  • Accounting, bachelor's degree and master's degree which graduated zero and two students respectively in 2008.
  • Finance, bachelor's degree which graduated 8 students in 2008.

University of the Incarnate Word - San Antonio, TX

University of the Incarnate Word, 4301 Broadway, San Antonio, TX 78209. University of the Incarnate Word is a medium sized university located in San Antonio, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 6,361 students and an admission rate of 67%. University of the Incarnate Word has a master's degree program in Accounting which graduated seventeen students in 2008.

Trinity University - San Antonio, TX

Trinity University, One Trinity Place, San Antonio, TX 78212-7200. Trinity University is a small university located in San Antonio, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 2,610 students and an admission rate of 58%. Trinity University has 2 areas of study related to Credit Analyst. They are:

  • Accounting, bachelor's degree and master's degree which graduated four and fifteen students respectively in 2008.
  • Finance, bachelor's degree which graduated 15 students in 2008.

Texas Lutheran University - Seguin, TX

Texas Lutheran University, 1000 W. Court St, Seguin, TX 78155-5999. Texas Lutheran University is a small university located in Seguin, Texas. It is a private not-for-profit school with primarily 4-year or above programs. It has 1,432 students and an admission rate of 73%. Texas Lutheran University has a bachelor's degree program in Accounting.

LOCATION INFORMATION: San Antonio, Texas

San Antonio, Texas
San Antonio, Texas photo by Zereshk

San Antonio is situated in Bexar County, Texas. It has a population of over 1,351,305, which has grown by 18.1% in the past ten years. The cost of living index in San Antonio, 80, is well below the national average. New single-family homes in San Antonio are valued at $174,900 on average, which is near the state average. In 2008, 2,665 new homes were constructed in San Antonio, down from 4,253 the previous year.

The three most popular industries for women in San Antonio are health care, educational services, and accommodation and food services. For men, it is construction, accommodation and food services, and health care. The average commute to work is about 24 minutes. More than 21.6% of San Antonio residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 7.9%, is higher than the state average.

The unemployment rate in San Antonio is 6.6%, which is less than Texas's average of 8.1%.

The percentage of San Antonio residents that are affiliated with a religious congregation, 65.1%, is more than both the national and state average. El Buen Samaritano United Methodist Church, Pentecostal Holiness Church and Pentecostal Home Missionary Church are all churches located in San Antonio. The most common religious groups are the Catholic Church, the Southern Baptist Convention and the Charismatic Churches Independent.

San Antonio is home to the Monte Vista Residential Historic District and the Main and Military Plazas Historic District as well as Kennedy Park and Buckeye Park. Shopping centers in the area include Windsor Park Mall, Windsor Park Shopping Center and Wonderland Shopping Center. Visitors to San Antonio can choose from Alpha Hotel, Alamo Executive Suites Inc and Chevy Chase Apartments & Townhomes for temporary stays in the area.