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Associate Credit Jobs (NOW HIRING)

NBT Bank

Associate Credit Officer

Burlington, VT

$82K - $110K/yr

Joins credit officer and commercial banking officers on client and prospect calls in multiple markets. Completes due diligence and analyzes industry and company financial information. Prepares ...

NBT Bank

Associate Credit Officer

Saratoga Springs, NY · On-site

$82K - $110K/yr

Joins credit officer and commercial banking officers on client and prospect calls in multiple markets. Completes due diligence and analyzes industry and company financial information. Prepares ...

NBT Bank

Associate Credit Officer

Oneida, NY · On-site

$82K - $110K/yr

Joins credit officer and commercial banking officers on client and prospect calls in multiple markets. Completes due diligence and analyzes industry and company financial information. Prepares ...

NBT Bank

Associate Credit Officer

Williamsville, NY · On-site

$82K - $110K/yr

Joins credit officer and commercial banking officers on client and prospect calls in multiple markets. Completes due diligence and analyzes industry and company financial information. Prepares ...

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Associate Credit information

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How much do associate credit jobs pay per hour?

As of Jul 15, 2026, the average hourly pay for associate credit in the United States is $25.65, according to ZipRecruiter salary data. Most workers in this role earn between $16.35 and $26.68 per hour, depending on experience, location, and employer.

How do I become a credit clerk?

To become a credit clerk, candidates typically need a high school diploma or equivalent, along with strong organizational and communication skills. Some employers prefer candidates with experience in accounting, finance, or familiarity with credit management software. On-the-job training is common, and certifications in accounting or credit management can enhance job prospects.

What are the key skills and qualifications needed to thrive as an Associate Credit professional, and why are they important?

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 professional, 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 highest paying job in credit?

The highest paying roles in credit typically include senior positions such as Chief Credit Officer or Credit Director, which oversee credit risk management and strategy. These roles often require extensive experience, advanced certifications like CFA or CPA, and strong leadership skills, with salaries reaching into six figures or higher depending on the organization and location.

What are Associate Credit professionals?

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.

Will a credit analyst be replaced by AI?

Credit analysts perform tasks such as evaluating financial data and assessing credit risk, which can be partially automated using AI tools. However, human judgment remains essential for complex analysis, relationship management, and decision-making, so full replacement is unlikely in the near term.

What is a credit associate job?

A credit associate is responsible for evaluating and analyzing credit data to determine the risk of lending money or extending credit to individuals or businesses. They often review financial statements, credit reports, and use credit scoring tools to make informed decisions, typically working in banking or financial services environments. Strong analytical skills and knowledge of credit policies are essential for this role.

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 cities are hiring for Associate Credit jobs? Cities with the most Associate Credit job openings:
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Associate Credit jobs near you
Associate Credit & Asset Management

Associate Credit & Asset Management

Trimont LLC

Atlanta, GA • On-site

Full-time

Re-posted 29 days ago

Job description

Overview:
Founded in 1988, Trimont (www.trimont.com) is a specialized global commercial real estate loan services provider and partner for lenders and investors seeking the infrastructure and capabilities needed to help them scale their business and make informed, effective decisions related to the deployment, management and administration of commercial real estate secured credit. As the largest master servicer of commercial real estate loans in the United States, Trimont manages securitizations with meticulous oversight and coordination-protecting cash flows, mitigating risk, and ensuring portfolio performance.
We do this with a team of 1100+ extraordinary team members who serve a global client base from offices in Atlanta (headquarters), Bengaluru, Charlotte, Dallas, Hyderabad, Kansas City, London, New York and Sydney. We empower our people with advanced technology, industry-leading knowledge, and a culture centered on our core values. This approach enables our teams to deliver exceptional client service, build lasting relationships and take pride in the high-quality work they perform.
Trimont is an innovative firm where visionary professionals come to learn, grow, and thrive with colleagues driven by curiosity and collaboration.
Learn: We believe ongoing learning is critical and are focused on providing a work environment where all team members can take ownership of their careers.
Grow: We work alongside the largest institutional lenders in the world, overseeing the most significant projects in the industry. This unique opportunity allows us to broaden our skillset and develop our abilities by tackling some of the industry's most challenging and exciting endeavors.
Thrive: Our firm is a place where ethics and excellence meet to create an experience that matches our capabilities. There are no limits to what we as team members and as an organization, can achieve together.
Where people, purpose, and progress come together every day.
Job Summary:
The Associate will collaborate with other team members to deliver thoughtful, detail-oriented, best-in-class service to our client. This team member will be responsible for providing timely, accurate, and actionable information for analysis in support of the Asset Management platform across multiple capital structures (debt and equity) and multiple property types (office, retail, industrial, multifamily, condos, student-housing, hospitality). This role includes interfacing with borrowers, equity partners and client representatives and must have the awareness and the ability to interact with others in a professional manner and with a sense of urgency.
Responsibilities
  • Develop and manage complex cash flow projection and valuation models on a quarterly and annual basis
  • Ensure proposed distributions align with equity capital/waterfall agreements
  • Manage and review debt and equity funding requests efficiently and meticulously
  • Perform quantitative analysis comparing budgeted, actual, and forecasted cash flows
  • Respond to ad hoc financial analysis and data requests promptly
  • Track and evaluate the progress of business plans and capital budget adherence
  • Analyze and review proposed office and retail lease agreements
  • Conduct market research for sale comparable and valuation assumptions
  • Ensure compliance with all loan and partnership agreement covenants
  • Oversee the collection and examination of monthly financial statements
  • Manage the collection and evaluation of annual operating and capital budgets
  • Coordinate with internal insurance associates to oversee insurance coverage and escrow requirements
  • Work with internal tax associates to ensure tax payments and escrow requirements are met

Required Qualifications:
  • Bachelor's degree in real estate, finance, accounting, required
  • 2+ years of relevant experience
  • Skilled in Microsoft Excel usage
  • Knowledgeable about commercial real estate transactions and industry terminology
  • Familiar with commercial real estate valuation methods and principles
  • Capable of managing multiple tasks and meeting strict deadlines
  • Demonstrates strong analytical and mathematical abilities
  • Excellent at both written and verbal communication
  • Familiar in using Argus Enterprise for real estate analysis
  • Proficient in Microsoft Word and Outlook for professional documentation and communication

Trimont is an equal opportunity employer, and we're proud to support and celebrate diversity in the workplace. If you have a disability and need an accommodation or assistance with the application process and/or using our website, please contact us. We are proud to maintain a drug-free policy, ensuring that our community is a secure and productive space for all our team members.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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