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Banking Credit Analyst Jobs (NOW HIRING)

FinWise Bank

Credit Analyst

Murray, UT · On-site

$60 - $80/hr

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

$60 - $80/hr

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

$60 - $80/hr

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 ...

Vantage Bank Texas

Credit Analyst

Mcallen, TX · On-site

$80 - $100/hr

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 ...

Vantage Bank

Credit Analyst

Houston, 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

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

Fort Worth, 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 ...

Vantage Bank

Credit Analyst

San Antonio, 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 ...

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 ...

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 ...

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Banking Credit Analyst information

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$15

$29

$49

How much do banking credit analyst jobs pay per hour?

As of Sep 9, 2026, the average hourly pay for banking 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 a banking credit analyst?

Banking Credit Analysts are financial professionals responsible for evaluating the creditworthiness of individuals or businesses applying for loans or credit with a bank. They analyze financial statements, credit reports, and other relevant data to assess the risk associated with lending money. Their recommendations help banks make informed decisions about approving or denying loan applications and setting appropriate interest rates and terms. Banking Credit Analysts play a crucial role in managing the bank’s lending risk and ensuring the overall health of the institution’s loan portfolio.

What are some of the most common challenges faced by a banking credit analyst in their daily work?

Banking Credit Analysts often face the challenge of managing tight deadlines while conducting thorough financial analysis and risk assessments for multiple clients simultaneously. Balancing attention to detail with the need to process applications efficiently can be demanding, especially when dealing with incomplete or complex financial information. Additionally, analysts must stay updated on regulatory changes and market trends to provide accurate recommendations, and they frequently collaborate with relationship managers, loan officers, and senior management to ensure that credit decisions align with the bank’s risk appetite.

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

To thrive as a Banking Credit Analyst, you need strong analytical abilities, financial modeling skills, and a solid understanding of accounting principles, usually supported by a degree in finance, accounting, or a related field. Familiarity with credit risk assessment tools, financial statement analysis software, and proficiency in Excel are typically expected, and certifications like CFA or FRM can be advantageous. Attention to detail, effective communication, and sound judgment are essential soft skills that help in evaluating borrowers and presenting recommendations. These skills ensure accurate credit evaluations, minimize risk for the bank, and support sound lending decisions.

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

AspectBanking Credit AnalystCommercial Credit Analyst
CredentialsTypically requires a bachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis courses are commonSimilar credentials; often holds degrees in finance or accounting, with certifications like CFA or credit analysis training
Work EnvironmentWorks primarily in banks or financial institutions assessing individual and business loan applicationsEmployed in banks, credit agencies, or financial firms evaluating commercial loan applications for businesses
Employer & Industry UsageUsed mainly in banking and financial services for retail and small business lendingCommon in banking, credit bureaus, and financial institutions focusing on business creditworthiness

Both roles involve analyzing credit data and financial statements, but Banking Credit Analysts focus more on retail and small business clients within banks, while Commercial Credit Analysts specialize in assessing the creditworthiness of larger businesses and commercial clients. The skills, credentials, and work environments are highly similar, making them closely related roles in the financial industry.

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What states have the most Banking Credit Analyst jobs?

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

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Banking Credit Analyst jobs near you
Infographic showing various Banking 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 28 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.