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Commercial Credit Analyst Jobs (NOW HIRING)

Bank

Commercial Credit Analyst

Hackensack, NJ · On-site

We are seeking a Commercial Credit Analyst to join the bank. The right candidate will have experience working for a bank underwriting commercial loans. RESPONSIBILITIES: • Analyzes credit ...

M&T Bank

Commercial Credit Analyst

Rochester, NY

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

BankVista

Be Seen First

Commercial Credit Analyst

Waite Park, MN · On-site

$58K/yr

BankVista is seeking an experienced Commercial Credit Analyst for a partially ONSITE role . Are you passionate about providing exceptional financial services and eager to make a meaningful impact in ...

M&T Bank

Commercial Credit Analyst

New York, NY

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Analyst

Paramus, NJ · On-site

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Analyst

New York, NY · On-site

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Analyst

Cleveland, OH · On-site

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Analyst

New York, NY

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Analyst

Paramus, NJ

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Analyst

Rochester, NY · On-site

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Analyst

New York, NY

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Analyst

Cleveland, OH

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank Corporation

$76 - $127/hr

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

New

M&T Bank

Commercial Credit Analyst

New York, NY · On-site

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

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All JobsFinance and Insurance JobsCredit JobsCredit Analyst JobsCommercial Credit Analyst Jobs

Commercial Credit Analyst information

See salary details

$32.5K

$87.7K

$132K

How much do commercial credit analyst jobs pay per year?

As of Sep 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 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.

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

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 91% Full Time, 7% Part Time, and 2% Contract. Highlights an 90% Physical, 3% Hybrid, and 7% Remote job distribution, with an average salary of $87,745 per year, or $42.2 per hour.

Commercial Credit Analyst

Bank

Hackensack, NJ • On-site

Other

Posted 10 days ago

Job description

We are seeking a Commercial Credit Analyst to join the bank. The right candidate will have experience working for a bank underwriting commercial loans.


RESPONSIBILITIES:

• Analyzes credit information pertaining to commercial loans, most commonly CRE loans

• Conducts complex credit investigations

• Prepares credit memorandums for presentation to loan officers or committees

• Provides guidance to credit analyst

• Assists loan officers as needed

• Maintains control over credit standings of current accounts - furnishes information relative to credit inquiries


REQUIREMENTS:

•A Bachelor’s degree in Business Administration, Accounting, Finance, or other related field strongly preferred

•Minimum of 2+ years experience working within a bank performing credit analysis for commercial loans

•Working knowledge and understanding of commercial loan products (CRE and other types), policies, procedures and federal regulations

•Strong aptitude for figures and accuracy

•Proven problem solving, decision making, underwriting and analytical skills

•Demonstrated knowledge of applied accounting and finance concepts as well as proficiency in performing detailed financial analyses

•Ability to work independently, effectively, and efficiently under time constraints

•Ability to prioritize and manage multiple assignments with good organizational and time management skills

•Excellent written and verbal communication skills


Apply