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Bank Credit Analyst Jobs (NOW HIRING)

First Security Bank

Bank Credit Analyst

Overbrook, KS · On-site

Bank Credit Analyst Location : Kansas branches: Overbrook, Paola, Carbondale, Tonganoxie, Wichita, Argonia, Conway Springs or Norwich Job Summary: A Bank Credit Analyst evaluates the financial health ...

FinWise Bank

Credit Analyst

Murray, UT · On-site

Purpose:FinWise Bank (the "Bank") is seeking an experienced Credit Analyst to join our Credit Department Servicing Team. This role is ideal for an experienced analyst or an analyst with some ...

FINWISE BANK

Credit Analyst

Murray, UT · On-site

Purpose: FinWise Bank (the "Bank") is seeking an experienced Credit Analyst to join our Credit Department Servicing Team. This role is ideal for an experienced analyst or an analyst with some ...

FinWise Bank Corporation

FinWise Bank (the "Bank") is seeking an experienced Credit Analyst to join our Credit Department Servicing Team. This role is ideal for an experienced analyst or an analyst with some experience that ...

FinWise Bank Corporation

Credit Analyst

Murray, UT · On-site

FinWise Bank (the "Bank") is seeking an experienced Credit Analyst to join our Credit Department Servicing Team. This role is ideal for an experienced analyst or an analyst with some experience that ...

FinWise Bancorp

Credit Analyst

Murray, UT · On-site

Purpose: FinWise Bank (the "Bank") is seeking an experienced Credit Analyst to join our Credit Department Servicing Team. This role is ideal for an experienced analyst or an analyst with some ...

Vantage Bank

Credit Analyst

El Paso, TX

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our ... JOB SUMMARY The Credit Analyst prepares comprehensive credit presentations for new, renewed ...

Vantage Bank

Credit Analyst

Dallas, TX · On-site

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our ... JOB SUMMARY The Credit Analyst prepares comprehensive credit presentations for new, renewed ...

Vantage Bank

Credit Analyst

Houston, TX

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our ... JOB SUMMARY The Credit Analyst prepares comprehensive credit presentations for new, renewed ...

City Bank

Senior Credit Analyst

Houston, TX · On-site

Proven ability to manage all essential duties of the City Bank Credit Analyst position. * Prepare comprehensive loan memorandums detailing loan requests and credit quality for loan presentations and ...

Vantage Bank

Credit Analyst

Fort Worth, TX

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our ... JOB SUMMARY The Credit Analyst prepares comprehensive credit presentations for new, renewed ...

Vantage Bank

Credit Analyst

San Antonio, TX · On-site

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our ... JOB SUMMARY The Credit Analyst prepares comprehensive credit presentations for new, renewed ...

Vantage Bank

Credit Analyst

Branch, LA

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our ... JOB SUMMARY The Credit Analyst prepares comprehensive credit presentations for new, renewed ...

City Bank

Senior Credit Analyst

Houston, TX · On-site

Essential DutiesProven ability to manage all essential duties of the City Bank Credit Analyst position.Prepare comprehensive loan memorandums detailing loan requests and credit quality for loan ...

Vantage Bank Texas

Credit Analyst

Mcallen, TX · On-site

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our ... JOB SUMMARYThe Credit Analyst prepares comprehensive credit presentations for new, renewed ...

Cornhusker Bank

Credit Analyst

Lincoln, NE · On-site

... 3 years bank credit analyst experience with a financial institution required or equivalent ... experience in a financial institutio · Must be PC proficient in various software applications ...

gpac

Commercial Credit Analyst

Evansville, IN · On-site

Must have 2+ years experience in a bank/credit union as a Credit Analyst. Benefits: * Competitive compensation package * Great benefits package including: generous PTO, health, dental, vision ...

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Bank Credit Analyst information

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$15

$29

$49

How much do bank credit analyst jobs pay per hour?

As of Sep 10, 2026, the average hourly pay for bank credit analyst in the United States is $29.92, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $33.65 per hour, depending on experience, location, and employer.

What does a bank credit analyst do?

A Bank Credit Analyst is responsible for evaluating the creditworthiness of individuals, companies, or organizations applying for loans or credit with a bank. They analyze financial statements, credit reports, and market data to assess the risk involved in lending money. Based on their findings, they make recommendations to approve or deny credit applications, set loan terms, and help the bank manage its credit risk. Their work is crucial in helping banks make informed lending decisions and minimizing potential losses from bad loans.

What are the key skills and qualifications needed to thrive as a bank credit analyst, and why are they important?

To thrive as a Bank Credit Analyst, you need strong analytical skills, a background in finance or accounting, and a bachelor's degree in a related field. Familiarity with financial modeling software, credit risk assessment tools, and proficiency in Excel and banking systems are typically required. Attention to detail, effective communication, and sound judgment are crucial soft skills for this role. These competencies ensure accurate risk analysis, informed lending decisions, and the overall financial health of the bank.

What are some common challenges faced by bank credit analysts when assessing loan applications?

Bank Credit Analysts often encounter challenges such as evaluating incomplete or inconsistent financial information from applicants, staying updated with rapidly changing market conditions, and balancing risk with business growth objectives. They must also navigate tight deadlines while ensuring compliance with regulatory requirements and internal credit policies. Effective communication with relationship managers and borrowers is crucial to clarify details and deliver thorough, accurate credit assessments.

What is the difference between Bank Credit Analyst vs Commercial Credit Analyst?

AspectBank Credit AnalystCommercial Credit Analyst
Required CredentialsBachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis coursesBachelor's degree in finance, economics, or related; similar certifications often preferred
Work EnvironmentBanking institutions, retail banking, corporate banking divisionsFinancial services firms, lending departments, or credit agencies
Employer & Industry UsagePrimarily in banks, focusing on individual and corporate clientsIn lending companies or financial institutions assessing business creditworthiness

Both roles involve analyzing credit data and financial statements, but Bank Credit Analysts typically work within banks evaluating loan applications for individuals and businesses, while Commercial Credit Analysts focus more on assessing the creditworthiness of business clients for lending institutions. The skills, credentials, and work environments are quite similar, making these roles closely related but distinct in their specific focus areas.

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Cities with the most Bank Credit Analyst job openings:

What states have the most Bank Credit Analyst jobs?

States with the most job openings for Bank Credit Analyst jobs include:

What are popular job titles related to Bank Credit Analyst jobs?

For Bank Credit Analyst jobs, the most frequently searched job titles are:

Bank Credit Analyst jobs near you
Infographic showing various Bank Credit Analyst job openings in the United States as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.

Bank Credit Analyst

Overbrook, KS • On-site

First Security Bank
See more jobs at First Security Bankexternal

Full-time

Posted 29 days ago

Job description

Job Title: Bank Credit Analyst

Location: Kansas branches:  Overbrook, Paola, Carbondale, Tonganoxie, Wichita, Argonia, Conway Springs or Norwich

Job Summary: A Bank Credit Analyst evaluates the financial health and creditworthiness of individuals, businesses, and organizations applying for loans or other forms of credit. The analyst reviews financial statements, credit reports, cash flow, and market conditions to determine lending risk and make recommendations that support sound credit decisions while ensuring compliance with bank policies and regulatory requirements.

Key Responsibilities

  • Analyze financial statements, tax returns, credit reports, and cash flow to assess a borrower’s ability to repay debt.
  • Conduct detailed credit risk assessments for commercial and consumer loan applications.
  • Prepare comprehensive credit analysis reports and loan recommendations for approval committees.
  • Evaluate industry trends, economic conditions, and market risks that may impact borrowers.
  • Monitor existing loan portfolios for changes in financial performance or credit quality.
  • Ensure compliance with bank lending policies, regulatory guidelines, and underwriting standards.
  • Collaborate with loan officers, relationship managers, and underwriters to structure appropriate financing solutions.
  • Identify potential credit risks and recommend strategies to minimize losses.
  • Maintain accurate loan documentation and financial records.
  • Participate in periodic loan reviews and portfolio stress testing.

Required Qualifications

  • Bachelor’s degree in finance, Accounting, Economics, Business Administration, or a related field.
  • 2–5 years of experience in credit analysis, commercial banking, or financial analysis (entry-level positions may require internships or related experience).
  • Strong understanding of financial statement analysis and credit risk assessment.
  • Knowledge of banking regulations and lending practices.
  • Proficiency in Microsoft Excel and financial analysis software.
  • Excellent analytical, organizational, and problem-solving skills.
  • Strong written and verbal communication skills.
  • Ability to manage multiple projects while meeting deadlines.

Preferred Qualifications

  • Experience with commercial lending or corporate banking.
  • Credit certification (such as CFA, CRC, or CBA) is a plus.
  • Familiarity with credit underwriting systems and financial modeling.

Key Skills

  • Financial Statement Analysis
  • Credit risk assessment
  • Loan underwriting support
  • Financial modeling
  • Attention to detail
  • Critical thinking
  • Risk management
  • Data analysis
  • Communication and presentation
  • Time management
  • Regulatory compliance
  • Customer Relationship Management

Typical Work Environment

Credit Analysts typically work in banks, credit unions, or other financial institutions in an office setting. The role involves close collaboration with loan officers, relationship managers, and senior credit professionals. Standard business hours are common, though additional hours may be required during periods of high-loan activity or reporting deadlines.

Career advancement opportunities include Senior Credit Analyst, Credit Manager, Commercial Relationship Manager, Portfolio Manager, Underwriting Manager, and Commercial Banking Officer.