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Bank Credit Analyst Jobs (NOW HIRING)

Credit Agricole CIB

$130K - $160K/yr

General information Entity About Credit Agricole Corporate and Investment Bank (Credit Agricole CIB ... Challenging position in Credit Risk Analysis ("CRA"). CRA New York analyzes and recommends ...

Bridgewater Bank

Credit Analyst Lead

Greenwood, MN · On-site

$94K - $114K/yr

In this role, you will manage and develop a team of the bank's Credit Analysts. This role will be responsible for the assignment and review of various underwriting requests from the Lending teams ...

Bridgewater Bank

Credit Analyst Lead

Saint Louis Park, MN · On-site

$94K - $114K/yr

In this role, you will manage and develop a team of the bank's Credit Analysts. This role will be responsible for the assignment and review of various underwriting requests from the Lending teams ...

Choice Bank

Credit Analyst I-Sr

Fargo, ND · On-site

The Credit Analyst role support Choice Bank's commercial and agricultural lending areas by gathering, reviewing, and analyzing financial and credit information for prospective and existing borrowers.

Choice Bank

Credit Analyst I-Sr

Fargo, ND · On-site

Description The Credit Analyst role support Choice Bank's commercial and agricultural lending areas by gathering, reviewing, and analyzing financial and credit information for prospective and ...

gpac

Commercial Credit Analyst

Dickinson, 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 ...

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

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 ...

Choice Bank

Credit Analyst I-Sr

Fargo, ND · On-site

Team members build expertise in Choice Bank's credit culture, underwriting standards, and analytical processes while performing tasks that strengthen the overall credit function. Responsibilities

Bridgewater Bank

Credit Analyst Lead

Saint Louis Park, MN · Hybrid

$94K - $114K/yr

In this role, you will manage and develop a team of the bank's Credit Analysts. This role will be responsible for the assignment and review of various underwriting requests from the Lending teams ...

Bridgewater Bank

Credit Analyst Lead

Greenwood, MN · Hybrid

$94K - $114K/yr

In this role, you will manage and develop a team of the bank's Credit Analysts. This role will be responsible for the assignment and review of various underwriting requests from the Lending teams ...

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.

First Horizon Bank

Credit Analyst

Atlanta, GA

Expected to provide credit analysis support for assigned commercial lending relationships ... Fundamental understanding of general bank operations and the commercial lending process.

First Horizon Bank

Credit Analyst

Atlanta, GA · On-site

Expected to provide credit analysis support for assigned commercial lending relationships ... Fundamental understanding of general bank operations and the commercial lending process.

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

Wahpeton, 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 ...

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 ...

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Showing results 21-40

All JobsBank Credit Analyst Jobs

Bank Credit Analyst information

See salary details

$15

$29

$49

How much do bank credit analyst jobs pay per hour?

As of Aug 13, 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 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.

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 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.
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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 1% Internship, 82% Full Time, 16% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.

Credit Analyst

Security State Bank And Trust

Fredericksburg, TX • On-site

Full-time

Re-posted 2 days ago

Job description

The Credit Analyst is responsible for independently analyzing and underwriting commercial loan requests, including new originations, renewals, and modifications. The role evaluates borrower financial performance, cash flow capacity, collateral support, and overall credit risk to determine the borrower’s ability to repay in accordance with bank credit policy and regulatory guidelines. The Credit Analyst prepares comprehensive written credit analyses that assess risk, profitability, and structural considerations, and assigns appropriate risk ratings. This position supports the bank’s commercial lending functions.

Essential Responsibilities

  • Champion SSB&T’s Core Values: Model SSB&T’s core values, embedding them into data strategy, governance, and team culture.
  • Analyze financial statements, tax returns, and related credit information to assess borrower performance, repayment capacity, and overall credit risk.
  • Conduct credit investigations and evaluate key risks, mitigants, structural considerations, and risk rating recommendations.
  • Prepare comprehensive commercial credit memoranda and approval packages supported by financial modeling and cash flow analysis on loan relationships up to Executive level approval.
  • Monitor financial reporting requirements and covenant compliance to support ongoing portfolio risk management.
  • Ensure credit files remain current, complete, and compliant with internal policy and regulatory guidelines.
  • Maintain accurate financial spreading and documentation within nCino and Document Manager systems.
  • Collaborate with loan officers and credit team members to support underwriting standards, workflow efficiency, and timely portfolio management.
  • Other duties as assigned.



Employment Commitments & Physical Requirements

  • Exempt
  • Full-time
  • Monday- Friday 8am-5pm
  • Community/ volunteer involvement
  • Focus-intensive position requiring extended periods of sitting and digital navigation.
  • Occasional walking, standing, and use of office equipment.
  • Must possess close visual acuity and clear speech for verbal communication.

Location & Travel

  • Position is in Fredericksburg, Texas (Operations 2 Building)
  • Flexible hybrid opportunity may be available in the future – may relocate to a branch location
  • Travel may be necessary depending on business needs

Candidate Requirements

  • 1 year of loan analysis or commercial lending experience required
  • Ability to adapt to growing business needs and structural changes.

Candidate Preferred Qualifications

  • Bachelor’s degree in Accounting, Finance, or related field preferred.
  • Strong understanding of Generally Accepted Accounting Principles (GAAP) and financial statement analysis.
  • Ability to analyze commercial and consumer financial statements and tax returns for individuals and business entities.
  • Proficiency in Microsoft Excel and Office Suite; experience with nCino and core banking systems (e.g., Horizon) preferred.
  • Excellent analytical, organizational, and attention-to-detail skills.
  • Strong written and verbal communication skills, with the ability to present analysis to loan committee and senior leadership.