As a credit analyst, you are expected to have expertise in evaluating the creditworthiness of each individual or business. In this role, you will determine the likelihood of a borrower being able to meet his or her financial obligations and pay back a loan. You do this by reviewing the borrower’s financial history and determining if the circumstances will be favorable to repayment.
Financial professionals such as credit analysts value a strong work ethic. This covers the attitude, behavior, respect, communication, and interactions of an individual when working with others. Work ethics tell us about whom and how a person is at the workplace. When you’re applying for a finance position, specifically as a credit analyst, the interviewer will want to know about your work ethic. He or she might ask if there was ever a time when your work ethic was tested and how you handled the situation.
How do you answer this question? Here are some guidelines to follow.
Be honest.
Since you’re being asked to share your experience, just tell the story and be honest. However, don’t include any information that might put your image on the line. Remember that you are still trying to impress the interviewer. So, it’s best to be cautious and never let your guard down.
Be specific.
Sharing a general story without any details may give the impression that you’re hiding something. Try to be a little more specific and comprehensive, but again, don’t include so much information that you end up regretting it.
Don’t be anxious.
When you become too worried and nervous, it will make it seem like you’re hiding something even if you’re not. Be confident and stay focused. Just remain calm, and always be honest so you won’t have to worry about being caught in a lie.
Make the negative sound positive.
If there’s something negative about your answer which you can’t avoid saying, just try making it sound a little positive. In any answer you give, always show them how you can be an asset to the company. Of course, the interviewer will notice that you’re doing this, but it will make him or her realize that you have the ability to put a positive spin on negative things; this is a skill that might help the company in the future if they hire you.
Follow these simple guidelines when constructing your answer, and see for yourself how you can impress your future employer with your work ethic.
