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Associate Credit Jobs in Indiana (NOW HIRING)

Tire Rack

Sr. Credit Representative

South Bend, IN

$22 - $26/hr

Sr. Credit Representative Location: Tire Rack - South Bend, IN Employment Type: Full-Time, Non ... Associate or bachelor's degree in Accounting, Finance, Business, or a related field preferred. * An ...

Discount Tire

Sr. Credit Representative

South Bend, IN · On-site

$22 - $26/hr

Associate or bachelor's degree in Accounting, Finance, Business, or a related field preferred. * An ... As a Sr. Credit Representative, you will play a key role in supporting our customers, protecting ...

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All JobsAssociate Credit JobsAssociate Credit Jobs in Indiana

Associate Credit information

What are the key skills and qualifications needed to thrive as an associate credit?

To thrive as an Associate Credit professional, you need strong analytical skills, attention to detail, and a solid understanding of financial principles, typically backed by a degree in finance, accounting, or a related field. Proficiency with credit analysis tools, financial modeling software, and CRM systems is often required. Excellent communication, problem-solving abilities, and teamwork are essential soft skills for effectively collaborating with clients and internal teams. These competencies ensure accurate credit assessments, risk management, and the building of strong client relationships, all of which are critical for organizational success.

What are some common challenges faced by an associate credit, and how can they be overcome?

Associate Credit professionals often encounter challenges such as analyzing complex financial data, balancing multiple client accounts, and meeting tight deadlines for credit assessments. Effective time management and strong analytical skills are crucial to handle these tasks efficiently. Collaboration with senior credit analysts and other departments, such as sales or risk management, can provide valuable insights and support. Continuous learning about industry regulations and credit risk models also helps in staying updated and improving performance.

What is an associate credit?

Associate Credit professionals are entry- to mid-level employees who work in financial institutions or corporate finance teams, focusing on assessing the creditworthiness of individuals or companies. Their responsibilities often include analyzing financial statements, preparing credit reports, assisting in loan underwriting, and monitoring existing credit portfolios. They play a crucial role in ensuring that lending decisions are based on sound financial analysis and risk assessment. Associate Credit professionals typically work under the supervision of senior credit analysts or managers and may interact with clients to gather necessary financial information.

What is the difference between Associate Credit vs Credit Analyst?

AspectAssociate CreditCredit Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; some roles may require certifications like CFA or CPABachelor's degree in finance, accounting, or related field; certifications like CFA are common but not mandatory
Work EnvironmentTypically in banking or financial institutions, working in teams to assess creditworthinessOften in banks, credit bureaus, or financial firms, analyzing data and preparing reports
Employer & Industry UsageUsed by banks, lending companies, and financial institutions for credit assessmentUsed by banks, credit agencies, and financial firms for evaluating credit risk

Both Associate Credit and Credit Analyst roles involve assessing creditworthiness, requiring similar educational backgrounds and working in financial environments. The main difference lies in job scope: Associate Credit often supports credit decision processes, while Credit Analysts perform detailed credit risk analysis and reporting.

What is a credit associate?

A credit associate or analyst determines whether or not clients are good candidates for credit cards, loans, or financing options. Credit associate jobs are found in the banking industry and other corporate settings that provide financial services, like vehicle dealerships. Job duties include gathering data about potential clients, analyzing their financial information, and making a recommendation about their credit risk. The qualifications for this career are a bachelor’s degree in accounting or finance, experience in the financial industry, and quantitative analysis skills.

More about Associate Credit jobs
What are the most commonly searched types of Credit jobs in Indiana? The most popular types of Credit jobs in Indiana are:
What cities in Indiana are hiring for Associate Credit jobs? Cities in Indiana with the most Associate Credit job openings:
Associate Credit jobs near you

Credit Underwriter - Loan Review/Risk Governance

Centier Bank

Merrillville, IN • On-site

Full-time

Medical, Retirement, PTO

Re-posted 7 days ago

Job description

Recognizing and valuing diversity strengthens our ability to attract, retain and engage associates and reinforces our relationship within our communities. Our associates are the most valuable asset we have. The collective sum of the individual differences, life experiences, knowledge and talent that our associates invest in their work represents a significant part of not only our culture, but our reputation and company's achievement as well.
A Centier Associate is someone who embodies a servant heart, is unaccepting of anything less than remarkable service, and is self-motivated and driven to deliver exceptional results.
What are our values? Our Corporate values are Caring, Loyalty, Integrity, Friendship, Fun....who wouldn't want to work for an AWARD-WINNING company that's built on these pillars?
What about the perks? Access to our Marathon Health Clinics which provide FREE visits & prescriptions, Generous Paid Time Off benefit, Tuition Reimbursement, 401K match, Associate Stock Ownership Plan, Daycare Reimbursement, FREE Onsite Fitness Center/Fitness Reimbursements, Health and Wellness Programs, the ability to have a voice with our Diversity/Equity/Inclusion Council, Career Growth, Work/Life Balance, AND MORE.
Supervisory Responsibilities: This individual may occasionally assist with training less experienced analysts and coordinating department projects as needed.
Job Summary: The Underwriter III plays a key role in strengthening the quality of the bank's commercial credit portfolio by preparing written credit review analyses and recommending appropriate risk ratings for relationships ranging from $1MM to the bank's legal lending limit. This role supports early identification of credit concerns through financial review, covenant monitoring, and Watchlist analysis, while partnering with lenders to provide thoughtful, risk-based insight. The ideal candidate brings strong experience with moderately complex commercial loans, including significant exposure to relationships exceeding $5MM, with expertise in CRE and/or C&I.
Essential Duties and Responsibilities:
  • Exercise independent judgment in presenting data, conclusions, and recommendations within the framework of applicable regulations, policies, and guidelines.
  • Collect and review borrower financial information, including income, assets, and liabilities, to assess appropriate credit exposure for relationships typically ranging from $1MM to $20MM.
  • Lead development of written credit review presentations for existing loan relationships and partner with commercial lenders to shape action plans for Watchlist credits. Presentations should clearly identify key strengths, emerging risks, and the recommended risk grade, with concise verbal summaries provided at Watchlist Committee to inform discussion and next steps.
  • Conduct reviews of covenant compliance and collaborate with lenders for resolution to failed covenants.
  • Interact with commercial lenders and Risk Management officers to evaluate any potential deterioration of existing borrowers.
  • Participate and provide expertise in credit discussions as needed with commercial lenders, market presidents, credit managers, and the Chief Credit Officer.
  • Help drive strong portfolio performance by applying sound credit review practices that support early detection of risk, proactive issue management, and effective oversight of commercial relationships.

Knowledge, Skills, and Abilities:
  • Strong time management skills, with the ability to meet strict deadlines and respond to high-priority requests from management.
  • Strong critical thinking skills, with the ability to evaluate information, form sound conclusions, and communicate recommendations clearly in writing and verbally.
  • Strong quantitative analysis skills, including the ability to work with multiple variables, analyze large data sets and spreadsheets, and identify and summarize patterns and trends.
  • Demonstrated ability to learn new tasks, procedures, and software quickly, along with the underlying concepts that support a broad range of commercial loan risk management responsibilities.
  • Strong organizational skills, with the ability to manage multiple priorities while maintaining accuracy and follow-through.
  • Strong attention to detail
  • Proficiency in Microsoft Office and experience working with financial models, worksheets, and spreadsheets.
  • Some travel may be required

Minimum Requirements:
  • Working knowledge of underwriting principles for moderately complex Commercial & Industrial or Commercial Real Estate loans, as well as certain specialty lending types such as land acquisition and development, contractor, hotel, senior housing, municipal, or nonprofit lending.
  • Bachelor's degree in finance, accounting, or a related field, or equivalent experience and training in commercial loan credit analysis.
  • At least 5 years of commercial lending experience, with a strong emphasis on credit analysis, portfolio risk assessment, and risk management.
  • Completion of formal credit training through ABA, RMA, or a comparable internal bank training program. Credit Review experience is preferred.

What do I do now?
  • Apply with us!
  • Refer this opening to others!

Disability Accommodation Statement
Centier Bank is an Equal Employment Opportunity/Affirmative Action employer and is committed to providing reasonable accommodations to individuals with disabilities in the employment application process. If you need an accommodation due to a disability to use our online system to apply for a position at Centier Bank, please call us at 219-755-6160 or send us an email at hrcareers@centier.com.
Equal Opportunity Employer/Disability/Veteran
Centier Bank is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
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