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name: credit-adviser
description: "Occupational skill for the role 'credit adviser' (also: credit intermediary, debt counsellor, certified credit counselor, credit counselor). Use when the user asks for typical credit adviser work such as: Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.; Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.; Calculate clients' available monthly income to meet debt obligations."
---

# Credit Adviser

Credit advisers offer guidance to customers related to credit services. They assess the customer's financial situation and debt issues arisen from credit cards, medical bills and car loans in order to identify optimal credit solutions for customers and also provide debt elimination plans to adjust their finances if needed. They prepare qualitative credit analyses and decision-making material in respect of defined customers in conformity with the bank's strategy on credit policy, ensure the credit quality and follow up on the performance of the credit portfolio. Credit advisers also have expertise in debt management and credit consolidation.

## Core workflow

1. Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.
2. Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
3. Calculate clients' available monthly income to meet debt obligations.
4. Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
5. Estimate time for debt repayment, given amount of debt, interest rates, and available funds.
6. Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.
7. Interview clients by telephone or in person to gather financial information.
8. Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.

## How to use this skill

- Read [references/profile.md](references/profile.md) for the occupation profile and scope.
- Consult [references/tasks.md](references/tasks.md) for the full task and activity inventory.
- Check [references/skills.md](references/skills.md) for essential vs. optional competences.
- Check [references/tools.md](references/tools.md) for the software commonly used in this role.
- See [references/ai-skills.md](references/ai-skills.md) — matched external AI agent skills (per-source attribution).

## Key competences (essential)

- advise on financial matters
- analyse loans
- analyse the credit history of potential customers
- assess debtor's financial situation
- consult credit score
- credit control processes
- debt systems
- economics
- examine credit ratings
- financial products
- insolvency law
- maintain client debt records
- maintain credit history of clients
- obtain financial information
- perform debt investigation

## Hot technologies

- Microsoft Access
- Microsoft Outlook
- Oracle PeopleSoft
- SAP software
- Microsoft Office software
- Microsoft PowerPoint
- Microsoft Excel
- Microsoft Word

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*Sources: ESCO v1.2.1 (http://data.europa.eu/esco/occupation/1a87e487-6761-4374-b6db-100ac5a9ad5a), O*NET 30.3 (13-2071.00). See manifest.json for licensing/attribution.*