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Commercial Credit Analyst Jobs in Raleigh, NC (NOW HIRING)

The Agency

Credit Analyst

Raleigh, NC · On-site

Analyze commercial loan requests by reviewing financial statements, tax returns, cash flow, and collateral. * Evaluate borrower creditworthiness and prepare detailed credit presentations and ...

First Citizens Bank

Credit Admin Advisor

Raleigh, NC · Hybrid

$135K - $145K/yr

The ideal candidate combines commercial credit knowledge, analytical capabilities, and an interest in credit risk rating methodologies, model governance, and risk management practices. This position ...

First Citizens Bank

Credit Admin Advisor

Raleigh, NC · Hybrid

$135K - $145K/yr

The ideal candidate combines commercial credit knowledge, analytical capabilities, and an interest in credit risk rating methodologies, model governance, and risk management practices. This position ...

First Citizens Bank

Credit Admin Advisor

Raleigh, NC · On-site

$135K - $145K/yr

The ideal candidate combines commercial credit knowledge, analytical capabilities, and an interest in credit risk rating methodologies, model governance, and risk management practices. This position ...

First Bank

Portfolio Manager III

Raleigh, NC · On-site

... within commercial/retail banking. This role is responsible for making credit decisions in ... Provide accurate financial analysis and oversight of new and existing bank customers. * Proven ...

Huntington

Commercial Portfolio Mgr II

Raleigh, NC · On-site +1

The Commercial Portfolio Manager Portfolio Manager II - CIP is considered a market and industry ... Mentor Credit Analysts to develop required competencies and experience. * Prioritize work to meet ...

Collabera

Credit Clerk

Smithfield, NC · On-site

$18 - $19/hr

Qualifications In need of a Credit Analysts having wholesale/commercial collections is key, but willing to consider candidates with Consumer Collections experience. We are NOT in need of Accounts ...

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All JobsCommercial Credit Analyst JobsCommercial Credit Analyst Jobs in Raleigh, NC

Commercial Credit Analyst information

See Raleigh, NC salary details

$31.6K

$85.3K

$128.3K

How much do commercial credit analyst jobs pay per year?

As of Aug 23, 2026, the average yearly pay for commercial credit analyst in Raleigh, NC is $85,290.00, according to ZipRecruiter salary data. Most workers in this role earn between $64,600.00 and $111,800.00 per year, depending on experience, location, and employer.

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.

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.

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.

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 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.

More about Commercial Credit Analyst jobs

What are the most commonly searched types of Commercial Credit Analyst jobs in Raleigh, NC?

The most popular types of Commercial Credit Analyst jobs in Raleigh, NC are:

What are popular job titles related to Commercial Credit Analyst jobs in Raleigh, NC?

For Commercial Credit Analyst jobs in Raleigh, NC, the most frequently searched job titles are:

What job categories do people searching Commercial Credit Analyst jobs in Raleigh, NC look for?

The top searched job categories for Commercial Credit Analyst jobs in Raleigh, NC are:

What cities near Raleigh, NC are hiring for Commercial Credit Analyst jobs?

Cities near Raleigh, NC with the most Commercial Credit Analyst job openings:

Commercial Credit Analyst jobs near you
Infographic showing various Commercial Credit Analyst job openings in Raleigh, NC as of August 2026, with employment types broken down into 89% Full Time, 3% Part Time, and 8% Contract. Highlights an 88% In-person, 6% Hybrid, and 6% Remote job distribution, with an average salary of $85,290 per year, or $41 per hour.

Credit Analyst

The Agency

Raleigh, NC • On-site

Other

Medical, Dental, Vision, Life, Retirement

Posted 23 days ago

Job description

A well-established, profitable community bank is seeking a Credit Analyst to join its commercial lending team in Raleigh. This is an excellent opportunity for someone looking to grow their career in commercial banking while working alongside experienced lenders in a collaborative, relationship-driven environment.


Responsibilities

  • Analyze commercial loan requests by reviewing financial statements, tax returns, cash flow, and collateral.
  • Evaluate borrower creditworthiness and prepare detailed credit presentations and recommendations.
  • Perform cash flow analysis, financial modeling, and risk assessments.
  • Support commercial lenders throughout the underwriting and approval process.
  • Monitor existing loan relationships and identify potential credit risks.
  • Maintain accurate credit files and ensure compliance with bank policies and regulatory requirements.
  • Utilize lending and financial software to support efficient underwriting and portfolio management.


Qualifications

  • Minimum of 2 years of commercial credit analysis or underwriting experience within a bank or financial institution.
  • Strong understanding of commercial financial statement analysis, accounting principles, and cash flow analysis.
  • Experience evaluating commercial loan requests and credit risk.
  • Knowledge of banking regulations and compliance requirements.
  • Bachelor's degree in Finance, Accounting, Business, or a related field preferred.


Compensation & Benefits

  • Competitive Salary
  • 401(k) with 6% employer match.
  • Medical, dental, vision, and life insurance.
  • Opportunity for long-term career growth within commercial banking.


Why Consider This Opportunity?

  • Established, profitable community bank with an excellent reputation.
  • Strong leadership team and collaborative credit culture.
  • Excellent employee retention and positive work environment.
  • Opportunity to work closely with experienced commercial lenders and gain exposure to a variety of commercial credit relationships.
  • Ideal role for someone looking to continue building a career in commercial banking and credit.


Apply