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Commercial Banking Credit Analyst Jobs (NOW HIRING)

First Security Bank

Bank Credit Analyst

Overbrook, KS · On-site

A Bank Credit Analyst evaluates the financial health and creditworthiness of individuals ... Experience with commercial lending or corporate banking. * Credit certification (such as CFA, CRC ...

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Commercial Banking Credit Analyst information

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$32.5K

$87.7K

$132K

How much do commercial banking credit analyst jobs pay per year?

As of Sep 1, 2026, the average yearly pay for commercial banking credit analyst in the United States is $87,745.00, according to ZipRecruiter salary data. Most workers in this role earn between $66,500.00 and $115,000.00 per year, depending on experience, location, and employer.

What is a commercial banking credit analyst?

Commercial Banking Credit Analysts are finance professionals who evaluate the creditworthiness of businesses applying for loans or credit with a bank. They review financial statements, analyze cash flow, assess risks, and prepare reports to support lending decisions. Their analysis helps commercial banks minimize risk while providing financing solutions to clients. Credit analysts play a crucial role in ensuring that loans are granted to businesses with strong repayment capabilities, thereby supporting the overall health of the bank's lending portfolio.

What are some common challenges faced by commercial banking credit analysts in evaluating loan applications?

Commercial Banking Credit Analysts often encounter challenges such as gathering complete financial information from clients, assessing the creditworthiness of businesses with limited or complex financial histories, and balancing risk with the need to support client relationships. Analysts must carefully analyze financial statements, market data, and industry trends to provide accurate recommendations. Additionally, working under tight deadlines and collaborating with relationship managers or senior lenders to meet client needs requires strong communication and organizational skills.

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

To thrive as a Commercial Banking Credit Analyst, you need strong analytical skills, financial statement analysis expertise, and a relevant degree in finance, accounting, or economics. Proficiency in financial modeling tools, Microsoft Excel, and experience with credit risk assessment software such as Moody's Analytics or S&P Capital IQ are commonly required. Attention to detail, effective communication, and sound judgment are critical soft skills that set top analysts apart. These capabilities are essential for accurately assessing credit risk, supporting sound lending decisions, and maintaining the financial health of the bank.

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

AspectCommercial Banking Credit AnalystCommercial Lending Officer
CredentialsTypically requires a bachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis courses are commonSimilar educational background; often holds certifications like CFA or loan officer designations
Work EnvironmentAnalyzes credit data, prepares reports, and assesses risk primarily in office settingsInteracts directly with clients, evaluates loan applications, and manages lending relationships
Employer & Industry UsageEmployed by banks, financial institutions, and credit agenciesWorks within banks, credit unions, and lending institutions

The main difference is that Commercial Banking Credit Analysts focus on assessing credit risk through analysis and reporting, while Commercial Lending Officers actively manage client relationships and approve loans. Both roles require strong analytical skills and financial knowledge, but their daily responsibilities and client interaction levels differ.

More about Commercial Banking Credit Analyst jobs

What cities are hiring for Commercial Banking Credit Analyst jobs?

Cities with the most Commercial Banking Credit Analyst job openings:

What job categories do people searching Commercial Banking Credit Analyst jobs look for?

The top searched job categories for Commercial Banking Credit Analyst jobs are:

Commercial Banking Credit Analyst jobs near you
Infographic showing various Commercial Banking Credit Analyst job openings in the United States as of August 2026, with employment types broken down into 91% Full Time, 7% Part Time, and 2% Contract. Highlights an 90% Physical, 3% Hybrid, and 7% Remote job distribution, with an average salary of $87,745 per year, or $42.2 per hour.

Bank Credit Analyst

Overbrook, KS • On-site

First Security Bank
See more jobs at First Security Bankexternal

Full-time

Posted 20 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.