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Commercial Credit Jobs (NOW HIRING)

Farm Credit

Commercial Credit Analyst

Alachua, FL

Now Hiring a Commercial Credit Analyst The Commercial Credit Analyst develops and analyzes credit information and independently prepares complete credit packages for assigned credits in accordance ...

gpac

Commercial Credit Analyst

Edwardsville, IL

Commercial Credit Analyst - Community Bank Credit Analysis | Underwriting | Commercial Banking If you enjoy analyzing deals - not just spreading numbers - this could be a strong next step. This ...

gpac

Commercial Credit Analyst

Rochester Hills, MI

Commercial Credit Analyst - Community Bank Credit Analysis | Underwriting | Commercial Banking If you enjoy analyzing deals - not just spreading numbers - this could be a strong next step. This ...

gpac

Commercial Credit Analyst

Downers Grove, IL

Commercial Credit Analyst - Community Bank Credit Analysis | Underwriting | Commercial Banking If you enjoy analyzing deals - not just spreading numbers - this could be a strong next step. This ...

M&T Bank

Commercial Credit Analyst

Paramus, NJ · On-site

Overview: A member of the Commercial Credit team that partners with senior team members supporting the duties of underwriting and the on-going monitoring of a portfolio of credit relationships.

gpac

Commercial Credit Analyst

Novi, MI

Commercial Credit Analyst - Community Bank Credit Analysis | Underwriting | Commercial Banking If you enjoy analyzing deals - not just spreading numbers - this could be a strong next step. This ...

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Commercial Credit information

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$46.5K

$60.6K

$80.5K

How much do commercial credit jobs pay per year?

As of Jun 11, 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 jobs pay 10,000 a month without a degree?

In commercial credit roles, high-paying positions such as senior credit analysts or credit managers can earn around $10,000 per month with extensive experience and industry knowledge, often without requiring a college degree but emphasizing skills in financial analysis, risk assessment, and certifications like CFA. Other high-earning jobs without degrees include sales managers, real estate brokers, or certain entrepreneurial ventures, but these typically depend on experience, performance, and networking rather than formal education alone.

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 bank or financial institution manages credit risk effectively.

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 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 jobs make $1,000,000 a year?

In the field of commercial credit, high-level executive roles such as Chief Credit Officer or Chief Financial Officer can earn over $1,000,000 annually, especially in large corporations or financial institutions. These positions typically require extensive experience, advanced financial skills, and often involve performance-based bonuses and stock options.

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.

Can you make 200k in commercial banking?

Commercial credit professionals, such as commercial loan officers or credit analysts, can potentially earn $200,000 or more annually, especially with experience, seniority, and in high-demand markets. Achieving this level often requires advanced skills, certifications, and a strong track record in managing large or complex credit portfolios.
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 June 2026, with employment types broken down into 80% Full Time, 19% Part Time, and 1% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $60,638 per year, or $29.2 per hour.
AVP, Commercial Credit

AVP, Commercial Credit

VyStar Credit Union

Jacksonville, FL • On-site

Full-time

Retirement

Posted 27 days ago

VyStar Credit Union rating

7.5

Company rating: 7.5 out of 10

Based on 13 frontline employees who took The Breakroom Quiz

Job description

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.
We encourage you to become a part of VyStar Credit Union's family of employees.
AVP, Commercial Credit
ACCOUNTABILITY STATEMENT
The AVP, Commercial Credit is responsible for the management and execution of all business and commercial underwriting and credit analysis functions within the Commercial Credit Department. The incumbent will proactively manage the underwriting and credit analysis workflow and productivity for all small business and commercial loan requests including new loans, renewals, modifications, annual reviews, work-out and troubled debt restructures (TDR). Business and commercial loans being underwritten and analyzed by the AVP, Commercial Credit's team will include commercial real estate (CRE), commercial and industrial (C&I), business equipment, business vehicles, business credit cards, business unsecured lines of credit (BLOC) and other specialized business and commercial credit products. This position acts as the manager of all business credit functions within the Commercial Credit Department and must be able to independently manage all aspects of business credit and analysis, assess business loan risks associated with proposed and funded business credit facilities and manage the business loan portfolio credit quality. This individual is also responsible for evaluating credit requests to ensure that the quality of the business loan portfolio is consistent with the goals of VyStar Credit Union and in compliance with policies, procedures and any applicable regulations. The AVP, Commercial Credit also reviews loan structures, credit memorandums, and other related financial analysis to ensure that acceptable credit standards are maintained and that all loans conform to established policies and procedures.
ESSENTIAL JOB FUNCTIONS
  • Provide direct oversight and management, and coaching and development to the business lending credit and underwriting team. Utilize delegated lending authority to approve credit transactions consistent with Vystar Credit Union's policies, credit culture, and risk appetite.
  • Responsible for the day to day planning, organizing, and operational efficiency of the commercial credit team.
  • Develops, implements and maintains business loan operation policies, procedures, strategies and performance metrics.
  • Evaluate and analyze business loan and commercial requests and make informed, accurate and complete credit recommendations to management.
  • Prepare summary write-up supporting assessment of key factors such as risk grade, repayment performance and ability, underwriting and documentation adequacy, accrual and TDR status.
  • Monitor and evaluate, on an ongoing basis, new and existing business loans for potential risks and exposure.
  • Responsible for managing a team of multiple teammates including but not limited to hiring, training, coaching, performance evaluations and teammate development.
  • Manage and prioritize the business credit underwriting and analysis workflow and any applicable resources.
  • Prepare, review and present Business Services Loan Committee agenda and loan presentations, monitor committee results and communicate decisions to all applicable parties involved.
  • Actively participate in Business Loan Committee sessions, providing feedback and recommendations to Loan Committee members for loans being presented and reasoning behind recommended approvals and/or declines.
  • Provide analysis and recommendations to Allowance for Loan and Lease Losses (ALLL) Committee on general and specific reserves for business loans with identified weaknesses including collateral evaluation scenarios (best case/worst case) and cash flow interpretations with any recommendations.
  • Coordinate with Portfolio Management to prepare and monitor the Business Services Watchlist and Business Services Policy Exception Report.
  • Oversee annual loan review process.
  • Implement credit policies, procedures, and practices while making significant strategic and tactical contributions to the formulation, development, implementation, and administration of Credit Union strategies, business goals, and objectives.
  • Coach and develop credit team in making sound, informed decisions and enhancing their decision-making and credit assessment skills, accuracy, timeliness and effectiveness.
  • Identifying and remedy credit process weaknesses, gaps in credit policy and credit risk rating models, and aggregation and tracking of issues to resolution.
  • Responsible for supervision, quality control, development and mentoring of credit team.
  • Must be able to independently manage all aspects of the Commercial Credit Team.
  • Responsible for establishing service levels and controls to manage inherent risk to credit union policies and procedures, and state and federal regulations.
  • Responsible for identifying improvements that will result in lower risk, higher efficiencies and allow for scalability.
  • Responsible for continuous improvement of all aspects related to business credit underwriting and analysis.
  • Monitor and evaluate, on an ongoing basis, new and existing business loans for potential risks and exposure.
  • Responsible for the completion of self-monitoring program (SMP) and enterprise risk management (ERM) tasks and processes applicable to business credit functions.
  • Provide quality service to all internal and external stakeholders including members, prospective members, and vendors.
  • Create, maintain and update various reports, ledgers, dashboards related to business credit underwriting and analysis.
  • Oversee the business credit area's preparation for and participation in state and federal examinations and audits.
  • Maintain an ongoing knowledge of current regulatory, policy and procedure changes related to business/commercial lending.
  • Provide support to members of the department and other internal partners to assist in policy/procedure interpretation, membership interpretation, required documentation, and any other related needs.
  • Provide quality service to all internal and external stakeholders including members, prospective members, vendors and VyStar teammates.
  • Maintain and expand systems, processes, procedures and software products to enhance and promote efficiency.
  • Implement credit policies, procedures, and practices while making significant strategic and tactical contributions to the formulation, development, implementation, and administration of VyStar's strategies, business goals, and objectives.
  • Ensure that Business Credit Procedures and Desktop Procedures are updated and adhered to in timely manner.
  • Ensure standards, policies and operating procedures are compliant with policies, procedures and applicable regulations and risk tolerances.
  • Implement successful measurement tools, processes and quality control methodologies.
  • Accountable for resolving audit findings related to business credit, identifying root cause and applying corrective measures.
  • Manage workflow to ensure the accurate, complete and compliant processing of business secured, unsecured and real estate loan requests, modifications and reviews.
  • Ensure that all teammates are properly cross-trained and able to provide back-up support when needed.
  • Actively participate, and lead when appropriate, in key re-engineering projects to enhance Business Services lending processes and procedures.
  • Develop and produce weekly, monthly and ad hoc reports for the Business Services Department, Loan Committee, the Senior Team and the Board of Directors, as applicable.
  • Complete ad hoc projects designated by the Chief Lending Officer or SVP Commercial Credit.
  • Cultivate a positive working relationship with the entire department to identify, develop, and recommend revisions of internal standards, policies, operating procedures, and new processes to improve efficiencies.
  • All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.

Demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job.
  • Focus - Focus your full attention by carefully listening to and observing your clients or member.
  • Connect - Consistently be friendly and approachable. Demonstrate you care.
  • Understand - Listen empathetically and ask questions (70% to 30%).
  • Counsel - Recommend solutions based on your client's or member's needs and objectives.
  • Advance - Ensure that member's or client's expectations were exceeded.
  • Verify necessary follow-up actions were completed.
  • Meet and exceed VyStar Credit Union member service goals and objectives.
  • Meet and exceed VyStar Credit Union performance goals and objectives.
  • Perform additional duties, and actively participate on committees and special projects as assigned.

KNOWLEDGE, SKILLS & ABILITIES
  • Minimum of six (6) years of experience in a business/commercial credit underwriting and analysis environment within a financial institution with relevant banking, portfolio management or credit experience. Strong preference for a minimum three (3) years of credit approval experience.
  • Minimum of three (3) years of experience supervising others operating in a credit underwriting and analysis environment.
  • Demonstrated ability to successfully structure and analyze complex business and commercial credit requests that minimize risk while providing member value.
  • Knowledge of State and NCUA regulations.
  • Effective analytical, managerial, organizational, presentation, problem-solving and member/customer service skills.
  • Must be a highly motivated, detail oriented, able to multi-task and work in a fast-paced environment while applying critical thinking skills.
  • Independent judgment and technical capabilities required to plan, prioritize and organize diversified workload.
  • Strong verbal and written communication and negotiation skills.
  • Proven time management, prioritization, critical thinking, problem solving, effective communication, and organization skills.
  • Strong proficiency with Microsoft products including Word, Excel, PowerPoint and Outlook.

EDUCATION
  • Required: BA/BS degree or equivalent work experience.
  • Required Training: Formal credit analysis training.

DISCLAIMERS AND WORK ENVIRONMENT
Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.
The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions as required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. Extensive periods of sitting and computing.
VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.
No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.
Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.
Thank you again for your interest in this position!
VyStar Credit Union Human Resources

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