A Financial Risk Analyst identifies and analyses potential risks threatening the financial position of commercial and industrial corporations and public/private organisations.  Financial Risk Analysts generally specialise in one of four risk categories: credit, market, regulatory or operational.  Once they have identified potential risks, they recommend strategies to avoid or minimise them.  Risk Analysts work primarily for banks or insurance companies and their tasks include carefully verifying potential clients' application information, following up on missing documentation and data with applicants or potential clients, and obtaining data from various agencies, such as credit bureaus, to verify data and information submitted by applicants.