Jobless for about a year. I'm considering my options and need advice. I am a professional in unsecured credit and the roles I've been applying for say I'm too junior since I have about 2 years of relevant "finance" experience. Should I go back to school or continue to put my energy into finding a job? Should I take side certifications? It would be helpful if anyone could provide insight on the best course of action and get back into the industry.

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Are you applying for jr credit analyst roles? Where are you located? NYC has tons of openings.

Personally, I'd identify where I want to work and I'd get a job there.
Ask this: 'If you were to be offered a job at your dream company where would that be?' And then I'd get busy getting THAT job. Do you follow?
I'd not look for companies that are currently seeking to hire whatever/whoever. I'd go for the vision of what I really want!
Learn all you can about the company. Who do they compete with? Do a SWOT analysis on them, get sharp. Know what to say. Call the competition first or contact some hiring authority in a company where you do NOT EVEN WANT a job. Learn how to talk to the key guy/gal. Make a lot of calls. Start whatever day and whatever hour... as you refine your way to calling the places you WANT to work.
In my world you have a few seconds to make an impression. Wishing ten to twenty seconds the listener will decide whether or not you have another forty seconds to speak. Keep it short. Get ready for an exit. Turn it so that THEY want to keep YOU on the phone call.
Get serious about further study and use that in your pitch.
I once opened with, 'I do not have a series 7..' and I got the job.
How badly do you want to work? Where would you work if there was NO PAY? Get a job there. Know why you want to work where you say you want to work. Get aggressive and get the job. Do NOT talk about your lack of experience. Stand up straight. Pull your shoulders back. Speak clearly. Use precise language. Get multiple offers.

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