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Associate Credit Jobs (NOW HIRING)

Citigroup, Inc.

Assoc Credit Maint Analyst

Getzville, NY · On-site

$55K - $68K/yr

CRMS - Credit Risk Administration Entry-Level CRMS offers developing professional roles that integrate specialty knowledge and understanding of industry standards and practices, application of ...

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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
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Associate Credit jobs near you
Senior Associate, Credit Strategy Reporting

Senior Associate, Credit Strategy Reporting

J.P. Morgan

Wilmington, DE • On-site

Full-time

Medical, Retirement

Posted 10 days ago

Job description

hackajob is collaborating with J.P. Morgan to connect them with exceptional professionals for this role.

JOB DESCRIPTION

Join a team where your analysis and storytelling directly shape leadership decisions. You'll turn complex credit and financial data into clear narratives, dashboards, and performance insights that drive action.

As a Senior Associate, Credit Strategy Reporting in the Card Credit Decisioning team, you will partner with senior leaders and cross-functional stakeholders to deliver executive-ready materials, track performance through OKRs and key metrics, and coordinate strategic priorities across pricing and underwriting.

Job responsibilities

  • Lead cross-functional initiatives to ensure on-time delivery; maintain project plans, documentation, action items, and dependencies
  • Design and deliver executive reporting and dashboards that translate complex credit and financial data into actionable insights
  • Define, track, and analyze Objectives and Key Results (OKRs) and key business metrics to monitor performance trends
  • Synthesize portfolio dynamics and performance drivers into insights and recommendations for strategic decision-making
  • Create business reviews and executive materials, including narrative development and key message synthesis for senior leaders
  • Coordinate strategic commitments and deliverables across pricing, acquisition underwriting, and portfolio underwriting teams
  • Partner across a highly matrixed environment to drive alignment, accountability, and clear decision-making

Required qualifications, capabilities, and skills

  • Demonstrated ability to drive strategic planning and execution, aligning work to goals and priorities
  • Advanced Excel and PowerPoint skills
  • Strong analytical skills, including the ability to translate data into insights and recommendations
  • Proven ability to manage multiple priorities independently with strong organization and time management
  • Strong attention to detail and experience delivering high-quality work on special projects
  • Strong written and verbal communication skills, including the ability to communicate clearly with senior leadership
  • Demonstrated commitment to process improvement and operational rigor that improves reporting accuracy and consistency
  • Strong relationship management skills and ability to collaborate across cross-functional teams

Preferred qualifications, capabilities, and skills

  • Experience supporting senior leaders through executive-ready communications (business reviews, scorecards, readouts, governance materials)
  • Experience in credit strategy, risk, underwriting, lending, pricing, portfolio management, or adjacent analytics/strategy functions
  • Experience building management reporting and dashboards and defining metrics (including OKRs and KPIs) from ambiguous problem statements
  • Project or program management experience across multiple concurrent workstreams with cross-team dependencies
  • Comfort influencing without authority and driving alignment across stakeholders with differing priorities

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.

ABOUT US

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs. 

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions.  We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. 

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans

ABOUT THE TEAM

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.

We offer a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations. Merchant Services is a leading provider of payment, fraud and data security for companies, capable of authorizing transactions across global currencies.

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