If you ever need to make an investment or need a loan, you will need to visit a credit manager to assist you. Duties include advising on responsible lending and facilitating overdraft facilities as well as granting or rejecting personal loans. Credit managers evaluate and assess credit applications by assessing risk factors such as the occupation, employer and qualifications of an applicant. With regards to business assessment and evaluations a credit manager takes into consideration the financial statements of the business and the repayment ability of a certain business.