---
esco_uri: http://data.europa.eu/esco/skill/afe9c5d2-e8bd-4377-9d2d-49b9589f05f9
esco_label: "analyse the credit history of potential customers"
relation: essential
onet_soc: 13-2052.00
source: model-knowledge
confidence: high
qa_count: 0
generator: gemma3:27b (prompt-designed and spot-checked by Claude)
generated: 2026-07-10
---

# analyse the credit history of potential customers — Financial Advisor

As a Financial Advisor, 'analysing credit history' isn’t just about spotting red flags; it’s about *understanding* the whole financial picture to recommend suitable products. Daily, this means pulling reports (Experian, Equifax, TransUnion – often via platforms like Credit Karma for initial views or dedicated advisor tools with deeper access) when a client expresses interest in loans, mortgages, or even complex investment strategies involving leverage. You're looking beyond the score: payment patterns, types of credit used, outstanding debt levels, and any negative marks (bankruptcies, collections). It informs whether a client *truly* qualifies for what they want, and more importantly, if taking on that debt aligns with their long-term financial goals.

## Weitere Anreicherung

Stage-2 source for future practitioner grounding: EconStor (open-access economics/finance literature).
