Expert on credit risk is especially high demand in organizations that provide loans to small, medium and large businesses. In this case, issued a much more considerable sums than with consumer credit. There is a need for additional controls, which carries out the officer. Its main responsibilities are to analyze the creditworthiness and financial standing of potential clients, prepare opinions for the credit committee of the bank, the creation of proposals to minimize and limit credit risk. By According to the specialist unity Finance, the main requirements of such an expert are "experience in the banking and credit sector by 2 years of age, knowledge of the regulations of the cbr and business accounting, as well as the ability to analyze financial and economic activities of companies.
From the personal requirements necessary to note an analytical mind, systematic thinking, good organization. " Lack of professionals involved in credit risk, says general manager of the St. Petersburg branch of the International Moscow Bank "Alexander Konyshkov, explaining that it is also a new direction for Russia. In this regard, frequently at the office expert on the credit risks invited other specialists of the financial profile going intra-firm learning the basics of the profession. Not to pardon executed the job of credit risks is aimed at ensuring that all its loans repaid on time. However, in practice it happens does not always return credits – a fairly common situation. To combat this phenomenon called the representatives of another new specialty – collectors (collectors of overdue debts from England.
