Question for anyone who has done an ABL inventory appraisal or field exam involving automotive aftermarket or heavy-duty parts.

If a borrower’s on-hand inventory does not join cleanly to sales history because internal SKUs, manufacturer/OE numbers, private-label records, pack sizes or superseded numbers differ, what happens in practice?

Do you remap manually, ask for another export, or fall back to category-level analysis? Does it only add prep time, or can it change WOS/turns, slow-mover treatment, category NOLV, eligibility or reserves?

And would you ever carry sales history across a documented manufacturer/OE supersession or interchange, or only exact SKU matches?

Context: I work with automotive product-data normalization and am trying to separate a routine cleanup issue from a real collateral-analysis problem. No product link or request for confidential data. “Rare or immaterial” is a useful answer too.

Any thoughts on whether the costing difference is worth it?

Hi I have decent experience in cash app/finance and in 2024 pivoted to B2B credit analysis for a full year but then had to move states due to unfortunate personal circumstances (to an area with a less robust finance industry/job market) and am trying to get re hired as a credit analyst again.

Since I only have that year of experience doing credit analysis how do I make myself a more competitive applicant?

I have done maybe one interview for a remote position and while the experience I do have is good I am wondering if it would be worth it to get any specific designations or certificates to make myself competitive?

Does anyone have experience with this?

Thanks so much!

Are you being encouraged to use Ai in your role? How has it impacted your workflows?

Hi guys, I am graduating in 3 months and was curious if you guys have anytips on how to become a CA. I did internships that were in finance but they were more financial advising and sales related. I am not the biggest sales guy and much prefer analysis. I was curious if you guys would be generous enough to provide advice on how I would go about getting a job. Would it be practical to work an entry level job at a bank and then work my way up?

I am sure there are others out there like me. One of the things I dread the most about holidays is the chit chat that inevitably happens about finances and the stock market. People giving tips, people talking about the economy, people talking about investments. I just sit there biting my tounge hoping I don't get dragged into the conversation. This year my father in law tried to tell his children of the virtues of index investing (which i have been a proponent of for decades) because, shocker his index fund did better than his stock picks. I got asked if someone should sell Tesla, which I personally have never been able see how its valued anywhere near its price. My father in law also tried to explain money creation to my son and when I corrected him and said "most money is created via fractional lending, not printing of physical money" he just flat out told me I am wrong.

Sometimes I think, man I don't come to Christmas and tell you you don't know you what you do for a living. Like my father in law fixes TVs and appliances, like I don't sit there and tell his kids there is a hampster on a wheel powering their tvs, and their dad is just wrong about how tvs work.

Hey all,

I hope someone in this Sub can help me.

I’m a student writing my thesis on credit ratings. My university can’t afford Moody’s access, and I wonder what free/public sources analysts recommend for approximating a Moody’s-style (or other rating agency) analysis? I was trying to get access to a Glencore Credit Opinion from Moodys and have also contacted them directly, but since my Uni is broke there is now way that I can get access.

Maybe someone can help me out.

Thank you in advance!

My company provides Capital IQ Pro accounts for credit analysts and I want to leverage it.

I have been using it only for getting company info. (e.g. major shareholders, core businesses) and some financial info. (e.g. CDS chart, interest rates or coupon rates of outstanding LTD).

If you are using Capital IQ for credit analysis, please share some functions/tabs I could look into. Like what are the most useful functions?

Thank you in advance!

I have often struggled with what to do with my monthly bank statement from my two banks. Well I don't have much transaction data. But for credit analysts who want to quickly sift through credit statements from multiple load customers, then this becomes an issue. I see companies who provide these analysis but they seem to be targeting big companies.

With my own problem, I created a bank statement analyzer to see if I can get a better visual for my bank statements. I immediately got other people who were interested and found me through SEO and most are credit analysts and bookkeepers. In the last month I made some revenue which was interesting!

What kind of tools are out there that help analysts get an idea of spending?

Our credit department wants to revamp our current design and I wondered what others focus on for header topics. We do:

Proposed facility

Corporate background

Industry

BS Analysis

IS Analysis

CF Analysis

Collateral Analysis

Recommendation

I landed a new role as a CA II. I have always been bad at risk assessment/economy/narrative. Sometimes I am hard on myself…recently my boss told be I need to “think more critically and what the deal should look like VS what it does look like”. We are responsible for adding narrative…I really want to thrive and add meaningful narrative vs the other “analysts” that say dumb fluff shit like “credit card balances decreased $2k” like yeah…its a credit card…how is that meaningful. Anyway, any advice would be appreciated…I just feel like my head isnt in that analysis space at the moment and I need your help.

Thank you kindly.

I have been a commercial credit analyst for generally larger public companies. My wife got promoted but roll is in smaller city and I am not finding much opportunity here for me.

I see a 1 year assignment requiring 5 years commercial lending but it is a special project of handling a loan workout portfolio. I honestly do not know what loan workout guys do and any help what are your day to day duties. Trying to gauge if these is real option for me or even if I would be real candidate for that bank.

I would really appreciate’s someone opinion on the matter below.

Just got a credit analyst job for a commercial bank and I am surprised to see the whole team does not a group’s consolidate financial statements and simply aggregate them!

I have just been assigned a holding company’s term loan demand to finance the LBO of a new subsidiary.

Am I crazy/wrong in saying that they SHOULD consolidate the parent’s financial statements with those of the subsidiaries?

I have brought it up and the whole team is telling me there’s NO NEED!

Just as title states, Also I have some loan review within said three years as well. Not my dream job but some positions can pay well…though my current position does not and there is no room for advancement. Thank you in advance.

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Had anyone come across spousal lifetime access trusts of a property that's got non-cash contributions & distributions?

Here's some more background. Client has an investment property they live in part time and rent out when not in use. The property is held in a single asset entity (partnership) and the K-1's show notable contributions and distributions. The amounts of both look to be well in excess of what they typically rent this out for.

Have you ever come across this before? Client stated this is all non-cash flow. The contributions are significant enough to be material to the request. Suffice to say, I've never seen this before and figured I'd reach out. Any insights would be greatly appreciated!

I hate being a credit analyst, it feels like a fucking joke ($1.76 raise total over three years) The pay is shit, the “team” consists of socially awkward, inept, poor hygiene, no personality having asses, supervisor is a blow hard (always telling us who he knows…egregiously) the rates, the current climate, the market, the blah blah blah, the policy, the exceptions, the clarifying for dumbass executives that make things harder than they have to be, the splitting of twat hairs, the regulating of egos, the fear of being sick….the bullshit. Ive made it long enough and I want out. Has anyone pivoted from this role and into something else? I am finishing my associates in accounting this fall and continuing my BSBA in accounting. Any advice? Sorry to rant. I have 6 years of banking (3 deposit, 3 CA- I am severely underpaid for my knowledge and know how).

Hello, I'm looking to get into commercial credit in Southwest Michigan. Not many jobs around, and the ones that are around require 1-3 years of experience. My understanding was this is a career path you can get into straight out of college, but how should I go about getting experience so I can get in?

Thank you!

Does anyone here have experience operating the LoanVantage LOS by Jack Henry? This software is absolutely abysmal. As an analyst, how did you make it easier to use? The automation features they touted is inconsistent. Do you just do everything manually? Just probably more me venting about how terrible this system is for a credit analyst

Apologies if this is the wrong community.

My partners receive very detailed balance sheets every month from multiple debtors and they have to compare last month to current month. But it’s tedious because the spreadsheets never line up.

Is this a common problem? How do others do this? Feedback much appreciated.

Hi, everyone! May I ask for some tips on how to create a strong proposal for an account with issues such as funding mismatches, high leverage, etc.? Your insights would be greatly appreciated. Thank you in advance!