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$46.5K

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$80.5K

How much do commercial credit jobs pay per year?

As of Aug 15, 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 does a commercial credit officer do?

A commercial credit officer evaluates the creditworthiness of businesses applying for loans or credit lines. They analyze financial statements, assess risks, and determine appropriate credit limits, often using financial analysis tools and industry knowledge to make informed decisions. Their role helps ensure the lender's financial safety and compliance with lending policies.

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.

How much does a commercial credit officer make?

A commercial credit officer typically earns between $60,000 and $100,000 annually, depending on experience, location, and the size of the financial institution. Salaries can increase with certifications such as the Certified Commercial Loan Officer (CCLO) and experience in credit analysis and risk assessment.

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.

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 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.
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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?

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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 93% Full Time, 5% Part Time, and 2% Contract. Highlights an 91% Physical, 3% Hybrid, and 6% Remote job distribution, with an average salary of $60,638 per year, or $29.2 per hour.

Commercial Credit Analyst

Pima Federal Credit Union

Tucson, AZ • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

This job post has expired today. Applications are no longer accepted.

Job description

Commercial Credit Analyst
Pima Federal Credit Union of Tucson, AZ is looking to hire a full-time Commercial Credit Analyst. Do you have a strong work ethic, a positive outlook, and share in the credit union philosophy of "people helping people"? Do you have commercial lending experience and are interested in building your career with a stable, growing, and respected financial institution that offers opportunities for professional growth and advancement? Do you love helping your members and want to do so in a culture of teamwork and integrity? If so, please read on!
COMMERCIAL CREDIT ANALYST POSITION
Our Commercial Credit Analyst is responsible for supporting the Commercial Lending Department to underwrite new commercial real estate loan originations, complete timely annual reviews of existing commercial real estate loans, and develop and update timely reports specific to the commercial lending portfolio. Collaborate closely with commercial lenders and other credit union teams to maintain a high-quality commercial loan standards in alignment with the mission, vision, and shared values of the credit union.
Job duties include evaluating financial statements, historical trends, projections, management performance, industry conditions, cash flow, capital structure, and collateral. The Commercial Credit Analyst will prepare, review, and analyze the creditworthiness of commercial loan applications, renewals, and modifications while ensuring loan requests comply with lending policies and regulatory guidelines. This role partners closely with commercial lenders to structure loan requests and obtain necessary documentation. Attention to detail is critical as the analyst monitors loan performance, supports credit reviews, and assists in preparing credit presentations for internal review. In addition, the role supports the day-to-day operations of the Commercial Lending Department.
QUALIFICATIONS FOR A COMMERCIAL CREDIT ANALYST
  • Bachelor's degree in business, finance, accounting, or related field; equivalent work experience will be accepted in lieu of a degree.
  • Three or more years of applicable work experience in the financial services industry.
  • Basic understanding of accounting, tax returns, and financial statements.
  • Intermediate level proficiency with computers and software applications including Microsoft Word and Excel.
  • Two years of commercial lending experience preferred.

Are you looking to build on your commercial lending experience? Would you be comfortable working with a variety of vendors? Do you have excellent communication skills? Are you detail-oriented? Are you honest and trustworthy? If so, then you might just be perfect for our Commercial Credit Analyst position!
ABOUT PIMA FEDERAL CREDIT UNION
In 1951, sixteen teachers pooled together $84 in deposits and founded our credit union with the common purpose of helping people. To this day, our common purpose still exists. We're here for our members and we thrive by delivering on our value promise of smart, simple, personal. We have stayed true to our roots as a not-for-profit financial cooperative whose main focus is providing the highest possible value to our membership in the simplest way. We are about relationships and not transactions. We are proud to be an Arizona Daily Star Reader's Choice winner.
As a full-time employee, you are eligible for Pima Federal's robust benefits package including:
  • Insurance:
    • Medical, dental, and vision - each benefit has a generous contribution from the credit union
    • 100% company-paid life insurance, short-term disability, long-term disability, and employee assistance program (EAP)
    • Access to other products such as two flexible spending account (FSA) options, critical illness insurance, accident coverage, and buy-up options on life insurance
  • Retirement:
    • 401(k) plan with company match
    • 100% company-funded pension plan
  • Generous paid time off policies, including 11 paid holidays
  • Tuition Reimbursement
  • Access to on-demand pay and one-on-one financial planning
  • An award-winning wellness program
  • Access to an on-site car repair service

In addition, you'll be part of Pima Federal's engaging culture, which includes employee appreciation events, paid volunteer time, and a healthy work-life balance. We are proud to have been recognized as a Top Workplace 2024! If this sounds like the next step in your financial industry career that you've been looking for, apply now!
READY TO JOIN OUR TEAM?
If you feel that you would be right for this position, please fill out our initial 3-minute, mobile-friendly application.

Apply