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Commercial Credit Analyst Jobs (NOW HIRING)

MRINetwork Jobs

Commercial Credit Analyst

Jim Thorpe, PA · On-site

$55K - $75K/yr

About We have a great opportunity for a Commercial Credit Analyst looking to grow their career with an established community bank in Northeast Pennsylvania. Our client is a financially strong ...

gpac

Commercial Credit Analyst

Dickinson, ND · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

gpac

Commercial Credit Analyst

Bismarck, ND · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

gpac

Commercial Credit Analyst

Evansville, WI · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

gpac

Commercial Credit Analyst

Beloit, WI · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

Chino Commercial Bank

Commercial Credit Analyst

Chino, CA · On-site

$22 - $27/hr

We are currently looking to fill several Commercial Credit Analyst positions. We are looking for individuals who are passionate, driven, collaborative, and solutions oriented. We are dedicated in ...

gpac

Commercial Credit Analyst

Wahpeton, ND · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

gpac

Commercial Credit Analyst

Green Bay, WI · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

gpac

Commercial Credit Analyst

Sheboygan, WI · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

gpac

Commercial Credit Analyst

Appleton, WI · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

gpac

Commercial Credit Analyst

Jamestown, ND · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

gpac

Commercial Credit Analyst

Waukesha, WI · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

gpac

Commercial Credit Analyst

Reedsburg, WI · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

gpac

Commercial Credit Analyst

West Fargo, ND · On-site

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed ...

Chino Commercial Bank

Commercial Credit Analyst

Chino, CA · On-site

$22 - $27/hr

We are currently looking to fill several Commercial Credit Analyst positions. We are looking for individuals who are passionate, driven, collaborative, and solutions oriented. We are dedicated in ...

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Showing results 21-40

All 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 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.
More about Commercial Credit Analyst jobs
What cities are hiring for Commercial Credit Analyst jobs? Cities with the most Commercial Credit Analyst job openings:
What are the most commonly searched types of Commercial Credit Analyst jobs? The most popular types of Commercial Credit Analyst jobs are:
Who are the top companies hiring for Commercial Credit Analyst jobs? The top employers for Commercial Credit Analyst jobs are:
What states have the most Commercial Credit Analyst jobs? States with the most job openings for Commercial Credit Analyst jobs include:
What job categories do people searching Commercial Credit Analyst jobs look for? The top searched job categories for Commercial Credit Analyst jobs are:
What are popular job titles related to Commercial Credit Analyst jobs? 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 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

Nusenda Credit Union

Albuquerque, NM

Full-time

Re-posted 26 days ago

Nusenda Credit Union rating

7.7

Company rating: 7.7 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

Nusenda Credit Union is dedicated to excellent member service and being a great place to work. We strive to make a positive difference in the lives of our members and the communities we serve to help them achieve their financial goals. Diversity, equity, and inclusion are part of our culture and values.

As an employer of choice, we invest in people and their careers. Our competitive employee benefits include several health and wellness options, competitive 401(k) matching contributions, professional development, and tuition assistance and more!

Thank you for your interest in joining the Nusenda team!

We are currently seeking a Commercial Credit Analyst to join our organization. As a Commercial Credit Analyst, you will be responsible for gathering and analyzing credit information on current and potential business borrowers. You'll determine the advisability of granting credit for diversified types of commercial loans by recommending the Loan Risk Rating per the Loan Policy. You'll assist Business Services Officers regarding annual loan reviews and origination of new loan requests. You'll complete analysis of new loan requests, annual reviews of existing loans and makes recommendations for Risk Ratings according to findings. You'll analyze credit data and spread financial statements as part of risk analysis on new and renewing loans.

What You'll Do:

  • Monitor and manage credit risk on assigned portfolios, including reviewing loan files to ensure compliance with financial reporting requirements
  • Spread and analyze financials using the Buker’s spreading software
  • Comple annual loan reviews in accordance with policy using underwriting templates and forms
  • Test and process financial covenants in the commercial loan origination system, and periodically evaluating credit risk and collateral
  • Complete analysis and underwriting of new loan requests, including screening, spreading, analyzing cash flow and repayment sources, collateral, and guarantors, risk rates loans, and prepare formal credit memoranda
  • Collaborate with Business Services Officers, external customers, and management to identify, negotiate, and recommend loan structures
  • Support Business Services Officers in presentations of new loan requests to Management Loan Review Committee

What You'll Need:

  • Three to five years of similar or related commercial underwriting or financial experience
  • Bachelor’s degree in business administration, accounting, or finance.

Key Skills and Experience:

  • Experience in conducting in-depth research and analysis.
  • Knowledge of cash flow modeling, commercial real estate leasing, appraisal methodologies, applicable regulations (e.g., FIRREA, BSA, HMDA), and NCUA regulatory guidance.
  • Understand GAAP financial statements (i.e., balance sheets, income statements, statements of cash flow, and statements of owner’s equity),
  • Understand Personal and business income tax returns and have a comprehensive knowledge of diversified commercial loan types, structures, and practices.
  • Significant analytical thinking skills are required to analyze credit data, identify, and mitigate risks, and assimilate financial information into an actionable format with recommendations on courses of action.

Nusenda Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

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