ZipRecruiter

Log In

1

Commercial Credit Jobs (NOW HIRING)

Chino Commercial Bank

Commercial Credit Analyst

Chino, CA · On-site

$22 - $27/hr

We are currently looking to fill several Commercial Credit Analyst positions. We are looking for individuals who are passionate, driven, collaborative, and solutions oriented. We are dedicated in ...

next page

Showing results 1-20

All JobsCommercial Credit Jobs

Commercial Credit information

See salary details

$46.5K

$60.6K

$80.5K

How much do commercial credit jobs pay per year?

As of Sep 4, 2026, the average yearly pay for commercial credit in the United States is $60,638.00, according to ZipRecruiter salary data. Most workers in this role earn between $55,000.00 and $65,000.00 per year, depending on experience, location, and employer.

What is commercial credit?

Commercial credit refers to the lending and extension of credit by financial institutions or suppliers to businesses, rather than individuals. It typically involves loans, lines of credit, or trade credit used for business operations, expansion, or capital purchases. Commercial credit professionals assess the financial health of businesses to determine their creditworthiness and manage risk for the lender. This process often includes analyzing financial statements, industry trends, and the business's credit history.

What are some common challenges faced in a commercial credit role, and how are they typically addressed?

Professionals in Commercial Credit often encounter challenges such as evaluating complex financial statements, managing risk exposure, and balancing the needs of clients with the institution’s credit policies. To address these, teams regularly conduct thorough financial analyses, collaborate closely with relationship managers and underwriters, and participate in ongoing training to stay updated on industry regulations and credit risk assessment techniques. Open communication with internal stakeholders and clients is crucial to ensure informed decision-making and maintain strong business relationships.

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

To thrive as a Commercial Credit Analyst, you need strong analytical skills, financial acumen, and a degree in finance, accounting, or a related field. Familiarity with financial modeling software, credit analysis tools, and systems like Moody’s or S&P Capital IQ is typically required. Attention to detail, effective communication, and sound judgment are crucial soft skills for evaluating credit risk and presenting findings. These skills ensure accurate risk assessments, informed lending decisions, and the protection of the institution's financial interests.

What is the difference between Commercial Credit vs Commercial Loan Officer?

AspectCommercial CreditCommercial Loan Officer
Primary RoleAssessing creditworthiness of business clients and analyzing financial dataSelling and managing commercial loan products, guiding clients through loan processes
Required CredentialsFinancial analysis skills, credit analysis certifications often preferredSales skills, financial knowledge, sometimes certifications in lending
Work EnvironmentBank or financial institution's credit departmentBank branches, lending offices, client meetings
Industry UsageUsed across banking and finance sectors for credit assessmentUsed in banking and lending institutions for client acquisition and loan management

Commercial Credit professionals focus on evaluating the creditworthiness of business clients by analyzing financial data, while Commercial Loan Officers actively promote and manage commercial loans, working directly with clients to secure financing. Both roles require financial knowledge, but their daily tasks and interactions differ significantly.

More about Commercial Credit jobs

What cities are hiring for Commercial Credit jobs?

Cities with the most Commercial Credit job openings:

What are the most commonly searched types of Commercial Credit jobs?

The most popular types of Commercial Credit jobs are:

What states have the most Commercial Credit jobs?

States with the most job openings for Commercial Credit jobs include:

Commercial Credit jobs near you
Infographic showing various Commercial Credit 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 $60,638 per year, or $29.2 per hour.

AVP, Commercial Credit

Telhio Credit Union

Columbus, OH • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 3 days ago

New

Job description

Formed in 1934, Telhio began as a credit union for Columbus Telephone Company (now AT amp;T) employees. Telhio now serves over 70,000 member-owners throughout central and southwest Ohio. As one of the largest credit unions in Ohio, Telhio is a strong financial institution that continues to serve its members through extraordinary service, innovative financial solutions and community involvement. After generations of service and growth, we never lose focus of our three core values - Caring, Commitment, and Integrity.

Summary:
The Assistant Vice President (AVP), Commercial Credit is responsible for leading and overseeing commercial credit underwriting activities and credit quality governance. This role manages the Commercial Underwriting team, ensuring sound credit decisioning, consistent credit risk assessment, and alignment with the credit union's strategic objectives and risk appetite.
The AVP plays a key leadership role in maintaining underwriting quality, ensuring regulatory compliance, supporting prudent loan growth, and fostering strong partnerships with lending teams.

Key Responsibilities:
Leadership amp; Strategy
  • Lead, coach, and develop the Commercial Underwriting team
  • Establish department goals aligned with Telhio’s strategic plan and risk tolerance
  • Promote a culture of credit discipline, accountability, and continuous improvement
  • Partner with senior leadership on credit strategy and commercial lending initiatives
  • Recommend and implement enhancements to credit policies, procedures, and risk frameworks
  • Ensure transparency and proactive communication across teams
Credit Underwriting Oversight
  • Oversee underwriting of commercial loans including:
    • Commercial Real Estate (CRE)
    • Commercial amp; Industrial (C amp;I)
    • Lines of Credit
    • SBA/Government-Guaranteed Loans
  • Ensure credit decisions reflect strong analytical rigor and adherence to policy
  • Review and approve complex or high-risk credit transactions within delegated authority
  • Provide guidance on structuring, risk mitigation, and exception management
  • Ensure consistent application of risk rating methodologies
Credit Analysis amp; Financial Oversight
  • Ensure high-quality financial analysis across teams, including:
    • Cash flow analysis (traditional business cash flow, global cash flow, and occasionally UCA cash flow as needed)
    • Financial statement spreading
    • Tax return analysis
    • Collateral valuation
  • Oversee capitalization rate analysis and loan exposure assessments
  • Ensure borrower repayment capacity is accurately assessed and documented
  • Maintain consistent underwriting standards and documentation quality across the department.
Risk Management amp; Compliance
  • Maintain compliance with all regulatory requirements and internal credit policies
  • Monitor exception reports and ensure adherence to target thresholds
  • Stay current on industry trends, market conditions, and regulatory changes impacting credit risk
  • Support internal and external examinations, audits, and regulatory reviews involving commercial credit activities.
Required Qualifications:
Education:
  • Bachelor's degree Finance, Accounting, Business, Economics, Business/Administration, Management, Statistics. (required)
  • Advanced degree and/or formal credit training (preferred)
Experience:
  • 7-10+ years of experience in commercial credit, underwriting, and/or portfolio management (required)
  • 3-5+ years of leadership experience managing credit, underwriting, or risk teams (preferred)
  • Experience with SBA or government-guaranteed lending programs (preferred)
Knowledge, Skills and Abilities:
Knowledge:
  • Knowledge of SBA Standard Operating Procedure
  • Knowledge of SBA Loan Products
  • Knowledge of Abrigo Sageworks (preferred)
Skills and Abilities:
  • Advanced analytical and credit risk assessment skills
  • Strong leadership and team development capabilities
  • Expertise in financial statement analysis and cash flow modeling
  • Deep understanding of commercial credit policy, loan structures, and documentation
  • Excellent verbal, written, and interpersonal communication skills
  • Ability to evaluate complex credit relationships and make sound credit recommendations.
  • Strong judgment and decision-making skills with the ability to balance growth objectives and risk management principles.
What you will earn:
  • Competitive pay
  • Opportunity to earn incentive
  • Benefits: medical, dental, vision, life and disability insurance
  • 6% matching and immediately vested 401(k) plan
  • Generous Paid Time Off and Paid Holidays
  • Opportunity for personal career growth, continued education and mentorship programs
  • Volunteer opportunities impacting the local community
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, you will need to have good manual dexterity as well as speaking and hearing ability. This position requires sitting; some reaching; standing; some stooping or kneeling. The employee must occasionally lift and move up to 50 pounds. It is expected that the employee will read, compile, compute and record numerical and statistical data. Must drive occasionally.
This is a Non-Collective Bargaining Unit
Telhio is an Equal Opportunity Employer

Apply