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Associate Credit Jobs in Nevada (NOW HIRING)

KeyState

Associate - Tax Credit Investments

Las Vegas, NV · On-site

$55K - $74K/yr

Job Summary The Associate - Tax Credit Investments ("TCI") is responsible for supporting the tax credit investment platform, with a focus on solar and battery storage. Responsibilities will range ...

Axos Bank

Enterprise Risk Associate

Las Vegas, NV · On-site

$55K - $75K/yr

About This Job Axos is seeking an Enterprise Risk Associate who will be responsible for monitoring ... All offers are contingent upon the candidate successfully passing a credit check, criminal ...

InforCapital

Associate, Investments

Incline Village, NV · On-site

$100 - $125/hr

The Role Panamint Capital is hiring an Associate to join its Investment team, supporting energy and commodity investing, credit, special situations and capital markets work across the firm ...

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All JobsAssociate Credit JobsAssociate Credit Jobs in Nevada

Associate Credit information

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 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.

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 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.

More about Associate Credit jobs

What are the most commonly searched types of Credit jobs in Nevada?

The most popular types of Credit jobs in Nevada are:

What cities in Nevada are hiring for Associate Credit jobs?

Cities in Nevada with the most Associate Credit job openings:

Associate Credit jobs near you

Senior Credit Underwriter

Las Vegas, NV • Remote

World Business Lenders, LLC
Finance and Insurance • 51 - 200 employees
Learn more about World Business Lenders, LLCexternal

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 10 days ago

Job description

About World Business Lenders 

  • At World Business Lenders (WBL), we provide flexible, short-term commercial loans backed by real estate to help small and medium-sized businesses across the United States - particularly those facing difficulties with traditional financing. We're a fast-moving, results-driven organization that takes security seriously as we continue to grow.
  • This is a Full-Time Independent Contractor role with working hours from 9:00 AM - 6:00 PM Eastern Standard Time, Monday through Friday. We request that all CVs be submitted in English.
About the Role
  • The Senior Credit Underwriter is responsible for leading complex credit underwriting activities while serving as a trusted advisor to the Chief Lending Officer. This role provides expertise in Non-QM mortgage lending, evaluates complex borrower scenarios, structures credit solutions, and supports sound lending decisions that balance risk and business objectives.
  • In addition to underwriting, the role oversees underwriting teams, mentors junior underwriters, drives process improvements, and collaborates cross-functionally to improve credit quality, operational efficiency, and funded loan volume..


What You'll Be Doing (Key Responsibilities)

  • Act as the Chief Lending Officer's 'right hand' trusted advisor.
  • Perform early credit assessments ("shift-left") before processing is complete.
  • Rework denied loans into approvable structures where possible.
  • Recommend counteroffers that reduce risk while preserving profitability.
  • Identify compensating factors to strengthen borderline files.
  • Consult with Sales on structuring loans before submission.
  • Participate in daily pipeline review meetings.
  • Assist in developing underwriting guidelines and SOPs.
  • Analyze trends in denials and fallout to recommend policy or process changes.
  • Support automation efforts by documenting underwriting decision logic.
  • Serve as the subject matter expert for complex borrower scenarios.

Requirements

Education:

  • Bachelor's or Associate's degree.

Experience:

  • 10+ years of progressive underwriting experience in non-QM mortgage lending.

Must-Have Requirements

Please ensure you meet all of the following before applying:

  • 10+ years of progressive underwriting experience in Non-QM residential mortgage lending.
  • Proven expertise in credit analysis, risk assessment, and loan structuring, with the ability to evaluate complex borrower scenarios and develop viable lending solutions.
  • Strong knowledge of Non-QM loan products, including DSCR, Bank Statement, Asset Depletion, Foreign National, ITIN, and other alternative documentation programs.
  • Experience interpreting credit policies, underwriting guidelines, and applicable mortgage regulations (e.g., ATR/QM, TRID, RESPA, TILA), with the ability to make sound, consistent credit decisions..

Remote Work Requirements

  • Stable, reliable internet connection.
  • Professional and dedicated remote working setup.

Preferred Background / Industry Experience:

  • Non QM residential mortgage lending / MCA lending.

Key Soft Skills:

  • Critical Thinking - Evaluates complex borrower scenarios, weighs risk objectively, and makes sound credit decisions based on facts rather than assumptions.
  • Analytical Mindset - Identifies trends, assesses layered risk, and connects multiple data points to determine overall creditworthiness.
  • Sound Judgment - Balances prudent risk management with business objectives, knowing when to approve, restructure, or decline a loan.
  • Problem Solving - Finds creative, policy-compliant solutions to structure challenging loans instead of defaulting to denial.
  • Attention to Detail - Thoroughly reviews financials, documentation, and loan files to identify inconsistencies, omissions, or potential risks.
  • Communication - Clearly explains underwriting decisions, credit rationale, and conditions to Sales, Processing, and leadership.
  • Collaboration - Partners effectively with Sales, Processing, Valuation, Legal, and Closing to move loans efficiently while maintaining credit quality.
  • Decision Making Under Pressure - Makes timely, confident decisions in a fast-paced environment without sacrificing accuracy or consistency.
  • Coaching & Mentorship - Develops junior underwriters by sharing expertise, reinforcing best practices, and promoting consistent credit decisions.
  • Integrity & Accountability - Demonstrates strong ethical standards, takes ownership of decisions, and consistently applies credit policy with fairness and discipline.

Specific Technical Skills Needed:

  • Credit Analysis & Risk Assessment - Expertise in evaluating borrower creditworthiness, repayment capacity, collateral, and layered risk.
  • Non-QM Underwriting - Deep knowledge of Non-QM products, including DSCR, Bank Statement, Asset Depletion, Foreign National, ITIN, and other alternative documentation programs.
  • Income, Asset & Cash Flow Analysis - Ability to analyze tax returns, business financials, bank statements, P&Ls, CPA letters, and asset documentation.
  • Collateral & Valuation Review - Experience reviewing appraisals, BPOs, AVMs/IVDs, title reports, LTV/CLTV calculations, and collateral risk.
  • Loan Structuring - Ability to restructure marginal loans, evaluate compensating factors, and develop counteroffers that meet credit policy while maximizing approvals.
  • Credit Policy & Guideline Interpretation - Strong understanding of internal credit policies, investor overlays, and regulatory requirements, with the ability to consistently apply judgment.
  • Regulatory Compliance - Working knowledge of ATR/QM, TRID, RESPA, TILA, Fair Lending, and applicable federal and state lending regulations.
  • Financial & Data Analysis - Advanced proficiency in Excel and the ability to analyze underwriting metrics, portfolio trends, and credit performance.
  • Exception & Portfolio Management - Experience evaluating policy exceptions, monitoring portfolio credit quality, and supporting quality control and audit reviews.
  • Loan Origination Systems (LOS) - Hands-on experience with Encompass, Byte, LendingPad, or similar LOS platforms, including underwriting workflow and condition management.

Benefits

What We Offer

 Compensation includes a base salary at $65,000-$85,000.

 Benefits include medical, dental, vision, life, and disability coverage; a 401(k) with company match; and paid holidays and paid time off (PTO).

 Work Environment: Fully remote work environment, with occasional travel as needed for leadership off-sites and corporate events.

Ready to Apply?

If this sounds like you, we'd love to hear from you - submit your CV in English and hit Apply!

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