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Commercial Credit Analyst Jobs (NOW HIRING)

The Symicor Group

Commercial Credit Analyst

Lombard, IL · On-site

$75K/yr

About the Job Commercial Credit Analyst - To $75K - Lombard, IL - Job # 3493 Who We Are: The Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & Rockport, TX. Our ...

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Commercial Credit Analyst information

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$32.5K

$87.7K

$132K

How much do commercial credit analyst jobs pay per year?

As of Aug 6, 2026, the average yearly pay for commercial 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 the difference between Commercial Credit Analyst vs Credit Analyst?

AspectCommercial Credit AnalystCredit Analyst
CredentialsBachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis coursesBachelor's degree in finance, economics, or related; similar certifications often preferred
Work EnvironmentBanking, financial institutions, or lending companies; focus on business clientsBanking, credit agencies, or financial firms; focus on individual or small business credit
Employer & Industry UsageUsed by commercial banks, lending institutions, and corporate finance teamsCommon in banks, credit bureaus, and financial services for consumer and small business credit

Both roles involve assessing creditworthiness, but Commercial Credit Analysts focus on business clients and larger loans, while Credit Analysts often evaluate individual or small business credit. The skills, credentials, and work environments overlap significantly, making them closely related roles within the financial industry.

What does a commercial credit analyst do?

Commercial credit analysts examine the credit information of a business loan customer to determine if they are high- or low-risk in defaulting on a loan. In this role, you gather applicant information, review their business credit application to determine credit worthiness, complete risk reports, and recommend if the loan should be approved or denied. Depending on your employer, you may also discuss payment plan and interest options to approved customers and offer alternatives to applicants that do not qualify for a loan. Commercial credit analysts focus solely on the financial banking and creditworthiness of a business rather than individuals.

How does a commercial credit analyst typically collaborate with relationship managers and other departments within a bank?

As a Commercial Credit Analyst, you will regularly work alongside relationship managers to assess and structure credit requests from business clients. This involves gathering financial data, analyzing risk, and providing recommendations that support the bank’s lending decisions. You’ll also interact with loan officers, underwriters, and sometimes legal or compliance teams to ensure all aspects of a loan proposal are in order. Effective communication and teamwork are essential, as your analysis directly influences the client experience and the bank's risk management.

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

To excel as a Commercial Credit Analyst, you need strong analytical abilities, financial statement interpretation skills, and a background in finance, accounting, or economics—often supported by a bachelor's degree. Familiarity with risk assessment software, financial modeling tools like Excel, and knowledge of credit scoring systems is typically required. Attention to detail, problem-solving, and effective communication are essential soft skills for presenting findings and collaborating with clients and stakeholders. These competencies enable accurate risk evaluation, informed credit decisions, and the maintenance of portfolio quality for financial institutions.

What does a commercial credit analyst do?

A Commercial Credit Analyst evaluates the creditworthiness of businesses seeking loans or credit lines from financial institutions. They review financial statements, analyze cash flow, assess risk factors, and make recommendations regarding loan approvals. Their work helps banks and lenders make informed decisions to minimize financial risk and ensure responsible lending. Commercial Credit Analysts play a critical role in supporting business growth while safeguarding the interests of their employers.
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What cities are hiring for Commercial Credit Analyst jobs? Cities with the most Commercial Credit Analyst job openings:
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Who are the top companies hiring for Commercial Credit Analyst jobs? The top employers for Commercial Credit Analyst jobs are:
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Commercial Credit Analyst jobs near you
Infographic showing various Commercial Credit Analyst job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $87,745 per year, or $42.2 per hour.

Commercial Credit Analyst

Pima Federal Credit Union

Tucson, AZ • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 29 days ago

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