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Bank Credit Analyst Jobs (NOW HIRING)

Alpine Bank

Credit Analyst I

Grand Junction, CO · On-site

$26 - $28.84/hr

As an Alpine Bank Credit Analyst, you have the chance to help the dreams of others to come true. You'll help make sure that the person you're helping is an exact fit for the credit they seek. Pretty ...

Fortress Bank

Credit Analyst

Peoria, IL · On-site

At Fortress Bank, we want to be an accessible, responsive, and innovative bank for our customers ... The Credit Analyst is responsible for analyzing commercial loan relationships, assessing credit ...

Nicolet National Bank

Credit Analyst

Green Bay, WI · On-site

At Nicolet National Bank, our culture is based on the principles of community banking, putting the ... The Credit Analyst is responsible for analyzing credit information pertaining to commercial loans.

Quontic Bank

Credit Analyst

Rock Falls, IL · On-site

Job Profile The bank is hiring a Credit Analyst who will be responsible for analyzing various historical and projected financial statements of individuals and businesses to identify the degree of ...

Cache Valley Bank

Credit Analyst

Logan, UT · On-site

Analyze credit data and financial information of persons or companies applying for credit to determine risk for the bank * Complete loan applications, including credit analyses and summaries of loan ...

Nicolet National Bank

Credit Analyst

Green Bay, WI

At Nicolet National Bank, our culture is based on the principles of community banking, putting the ... The Credit Analyst is responsible for analyzing credit information pertaining to commercial loans.

BANK OF LUXEMBURG

Senior Credit Analyst

Luxemburg, WI · On-site

$32.98 - $40.58/hr

Bank of Luxemburg is a community bank built on relationships, transparency, and a commitment to ... As a Senior Credit Analyst, you'll play a vital role in supporting our lenders, customers, and ...

BANK OF LUXEMBURG

Senior Credit Analyst

WI · On-site

$32.98 - $40.58/hr

Bank of Luxemburg is a community bank built on relationships, transparency, and a commitment to ... As a Senior Credit Analyst, you'll play a vital role in supporting our lenders, customers, and ...

22nd State Bank

Sr. Credit Analyst

Mobile, AL · On-site

The primary responsibility of this position is to help maintain 22nd State Bank's credit quality by preparing detailed credit analyses based on the review of financial data for new loans, loan ...

Credit Agricole CIB

General information Entity About Credit Agricole Corporate and Investment Bank (Credit Agricole CIB ... The standard analyst program is two years, with analysts hired on an initial one-year contract. The ...

gpac

Commercial Credit Analyst

Bismarck, ND · 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 ...

gpac

Commercial Credit Analyst

Beloit, WI · 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 ...

gpac

Commercial Credit Analyst

Evansville, WI · 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 ...

gpac

Commercial Credit Analyst

Appleton, WI · On-site

The ideal candidate should have 2+ years experience in a bank/credit union as a Credit Analyst. BENEFITS: * Competitive compensation package * Great benefits package including: generous PTO, health ...

gpac

Commercial Credit Analyst

Jamestown, ND · 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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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.

Credit Analyst IV - Mission Bank

Bakersfield, CA • On-site

Mission Bank
Commercial Banking • 51 - 200 employees
Learn more about Mission Bankexternal

$97K - $120K/yr

Full-time

Re-posted yesterday

Job description

We are seeking a Credit Analyst IV to join our Credit Administration team! The Credit Analyst, Credit Administration supports the Bank's credit risk management framework by monitoring asset quality, preparing risk-related reporting, and coordinating follow-up activities with Relationship Managers and Credit Administration. This role focuses on asset oversight, risk identification, and reporting rather than independent credit approval authority. The position is responsible for monitoring criticized and classified loans, preparing problem loan reports, supporting risk rating accuracy, and ensuring documentation and system integrity within nCino and related platforms. This role does not carry independent loan approval authority unless otherwise assigned. The role may include direct or indirect relationship management of higher risk borrowers and possibly a BBC.

Responsibilites, include, but are not limited to the following:

  1. Prepare and maintain problem loan reports and asset quality summaries.
  2. Serve as the primary coordinator for asset monitoring activities across business lines.
  3. Track covenant compliance, maturity dates, financial statement receipt, and collateral exceptions.
  4. Follow up with Relationship Managers on property tax payments, insurance coverage, and other risk-related items. Including a monthly summary report to the CCO.
  5. Prepare monthly and quarterly credit risk reports for management and committees.
  6. Support preparation of criticized/classified asset reports and regulatory reporting.
  7. Analyze risk trends within assigned portfolios and escalate concerns appropriately.
  8. Assist in tracking concentrations and emerging portfolio risks.
  9. Review risk rating changes for accuracy and consistency.
  10. Analyze and document rationale for risk rating downgrades or upgrades.
  11. Ensure risk ratings appropriately reflect financial performance, collateral position, and repayment capacity.
  12. Coordinate with Relationship Managers and Credit Officers to resolve discrepancies.
  13. Manage as directed high risk borrowers and document status updates.
  14. Track action items associated with special assets and ensure timely follow-through.
  15. Track and findings and/or recommendations from any loan exam to ensure mitigation/implementation.
  16. Complete and review problem borrower write-ups within nCino to ensure completeness and accuracy.
  17. Maintain credit file documentation integrity and required risk documentation.
  18. Ensure policy adherence in credit administration processes.
  19. Assist with internal and external audit requests related to credit files and asset quality.
  20. Complete and review write-ups within nCino to ensure completeness and accuracy.
  21. Maintain credit file documentation integrity and required risk documentation.

Minimum Requirements:

  • 3-5 years of experience in credit administration, loan review, risk management, or banking operations.
  • Working knowledge of credit risk principles, loan documentation, and regulatory expectations.
  • Experience with nCino or similar loan origination/credit systems preferred.
  • Proficient in Excel.
  • Detail oriented.
  • Strong ability to analyze and synthesize large amounts of data.
  • Ability to conduct extensive research and apply data to improve BSA Program and strong knowledge of BSA compliance, preferred.
  • Possess strong written/verbal communication skills as well as excellent organizational/time management skills.
  • Ability to work with minimal supervision while performing duties.

Target Compensation: $97,054 - 120,000 annually, depending on experience.