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Commercial Credit Analyst Jobs (NOW HIRING)

Bluestone Bank

Commercial Credit Analyst

Raynham, MA

$70K - $100K/yr

The Commercial Credit Analyst is responsible for analyzing financial data and assessing creditworthiness of commercial clients. This role completes the underwriting of loan requests and extensions of ...

Bluestone Bank

Commercial Credit Analyst

Raynham, MA · On-site

$70K - $100K/yr

The Commercial Credit Analyst is responsible for analyzing financial data and assessing creditworthiness of commercial clients. This role completes the underwriting of loan requests and extensions of ...

Bluestone Bank

Commercial Credit Analyst

Raynham, MA · On-site

$70K - $100K/yr

The Commercial Credit Analyst is responsible for analyzing financial data and assessing creditworthiness of commercial clients. This role completes the underwriting of loan requests and extensions of ...

Bluestone Bank

Commercial Credit Analyst

Raynham, MA · On-site

$70K - $100K/yr

The Commercial Credit Analyst is responsible for analyzing financial data and assessing creditworthiness of commercial clients. This role completes the underwriting of loan requests and extensions of ...

Sunflower Bank NA

Commercial Credit Analyst

Dallas, TX · On-site

The Commercial Credit Analyst will support Commercial Credit Underwriters in every aspect of the latter's day-to-day activities. Responsibilities: * Assist with financial analysis and risk assessment ...

Hyundai Capital

Commercial Credit Analyst

Plano, TX · On-site

$65 - $92/hr

- Commercial Credit Analyst (260000KE) Commercial Credit Analyst - ( 260000KE ) Description Hyundai Capital America (HCA) helps people move forward. Through Hyundai Motor Finance, Genesis Finance, and ...

Bluestone Bank

Commercial Credit Analyst

Raynham, MA · On-site

$70K - $100K/yr

The Commercial Credit Analyst is responsible for analyzing financial data and assessing creditworthiness of commercial clients. This role completes the underwriting of loan requests and extensions of ...

Hvcu

Commercial Credit Analyst II

Poughkeepsie, NY · On-site

$85 - $110/hr

Perform in-depth commercial credit analyses, generally on the more complex or time sensitive files, on a timely basis that are consistent with HVCU format, policy and procedures, including making ...

New

Bluestone Bank

Commercial Credit Analyst

Raynham, MA · On-site

$70K - $100K/yr

The Commercial Credit Analyst is responsible for analyzing financial data and assessing creditworthiness of commercial clients. This role completes the underwriting of loan requests and extensions of ...

Sunflower Bank NA

Commercial Credit Analyst

Dallas, TX · On-site

The Commercial Credit Analyst will support Commercial Credit Underwriters in every aspect of the latter's day-to-day activities. Responsibilities: * Assist with financial analysis and risk assessment ...

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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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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

IH Mississippi Valley Credit Union

Moline, IL • On-site

$26.45 - $36.06/hr

Full-time

Posted 26 days ago

IH Mississippi Valley Credit Union rating

8.3

Company rating: 8.3 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

Join Our Team as a Commercial Credit Analyst at IHMVCU!
At IHMVCU, we're committed to delivering personalized, community-centered financial solutions that help our members achieve their goals. We believe in the power of relationships and the importance of making a meaningful impact in the communities we serve.
This role will join an experienced team of commercial credit analysts, processors and lenders that balance risk with member needs. With a strong loan portfolio, we are in need of someone with three to five years of commercial experience. The team is located at our beautiful headquarters located on River Drive in Moline.
EXPERIENCE REQUIRED:
  • Bachelor's Degree in Business or Finance (combination of education and prior experience may be substituted in lieu of degree.)
  • Minimum of 3-5 years' experience in financial statement analysis, credit analysis or commercial lending support function.
  • Acute accuracy and exceptional attention to details are essential
  • Solid written and verbal communication skills
  • Ability to work collaboratively in a team environment

Main Responsibilities:
  • Prepares comprehensive Loan Presentation Summaries and Annual reviews, in support of underwriting and monitoring, working in cooperation with lenders. This includes the preparation of related documents including; Member account relationships, Risk Rating assessments, financial statement spreadsheets and performs credit investigations.
  • Utilizes available software and spreadsheets to analyze applicant financial status, credit standing and capabilities, cash flow, repayment sources analysis, industry comparable ratios, and collateral evaluations to prepare a complete and accurate loan presentation.
  • Prioritizes loan presentation preparation through the work in progress log, reviewing the list for new requests, loan renewals and annual reviews.
  • Establishes and maintains a system and process for requesting and tracking financial statements and other required financial related underwriting documents, income tax returns, personal financial statements, site visits, etc.
  • Assist portfolio monitoring via preparation of various reports, including:
    • Monthly Watch report summary - assist lenders in compiling monthly updates to the individual Action Plans and prepares summary Monthly Watch reports from these action plan updates.
    • Prepares register by risk ratings from monthly loan list.
    • Provides weekly future maturity report to lenders to initiate the request of financial information for the renewal/annual review process.
  • Insures all loans are risk rated annually.
  • Performs internal appraisal reviews for all MBL appraisals obtained per MBL loan policy.
  • Supports efforts to provide compliance with the environmental policy regarding collateral evaluation with obtaining environmental screening reports where appropriate per policy.
  • Assist with the development and monitoring of industry portfolio risk by instituting SIC/NAICS coding on all loans.
  • Collects, organizes, prepares, and distributes all agendas and loan presentations/Watch Loan action plans/summary reports for the weekly loan committee meetings and the monthly Loan Watch Committee meetings. In addition, maintains the official records of those meetings by completing meeting minutes and maintaining the official records.
  • Underwrites business loan decisions for loan requests that are less than $50,000 in total loan exposure, with a decision recommendation being presented to the Loan Officers/Sr. Loan Officers.

Being a team member of IHMVCU is more than just a job, we want to make differences in the communities we live in and serve. Check out our careers page for more information including benefits Final compensation will be determined by various factors such as experience, specific skills and internal pay equity.
Move Up your career at IHMVCU with this great opportunity!
PHYSICAL REQUIREMENTS:
  • Sitting: Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally, and all other sedentary criteria are met.
  • Talking: Expressing or exchanging ideas by means of the spoken word; those activities where detailed or important spoken instructions must be conveyed to other workers accurately, loudly, or quickly.
  • Hearing: Perceiving the nature of sounds at normal speaking levels with or without correction and having the ability to receive detailed information through oral communication and making fine discriminations in sound.
  • Finger, handle, touch: Picking, pinching, typing or otherwise working, primarily with fingers rather than with whole hand or arm as in handling. Applying pressure to an object with the fingers and palm.
  • Lifting Demands: Up to 10 lbs.
  • Visual Demands: Visual acuity to do things such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading. Ability to identify and distinguish colors.

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