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Commercial Credit Analyst Jobs (NOW HIRING)

Forward Bank

Commercial Credit Analyst

Marshfield, WI · On-site

Commercial Credit Analyst Named American Banker's "Best Banks to Work For" six consecutive years and now Certified TM by Great Place To Work....Here's your chance to Move FORWARD with us and see what ...

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 ...

Nusenda

Commercial Credit Analyst

Albuquerque, NM · On-site

Commercial Credit Analyst 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 ...

Nusenda

Commercial Credit Analyst

Santa Fe, NM · On-site

Commercial Credit Analyst 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 ...

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

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

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 ...

Bluestone Bank

Commercial Credit Analyst

Raynham, MA · On-site

$70K - $100K/yr

Commercial Credit Analyst Community. Security. Trust. This is the foundation on which Bluestone Bank is built. We've helped Southern New England prosper for over 150 years by providing responsible ...

Sunflower Bank

Commercial Credit Analyst

Dallas, TX · On-site

Commercial Credit Analyst Sunflower Bank, N.A. is currently searching for a detail-oriented and highly motivated Commercial Credit Analyst in Dallas, TX. The Commercial Credit Analyst will support ...

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

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 ...

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 ...

Sunflower Bank

Commercial Credit Analyst

Houston, TX · On-site

Commercial Credit Analyst Sunflower Bank, N.A. is currently searching for a detail-oriented and highly motivated Commercial Credit Analyst in Houston, TX. The Commercial Credit Analyst will support ...

gpac

Commercial Credit Analyst

Perrysburg, OH · On-site

I am looking for a Commercial Credit Analyst for a strong community bank in your area. If you're looking for an exciting opportunity that allows you to put your credit experience to work in a fast ...

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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.
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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

Carter Bank and Trust

Charlotte, NC • On-site

$42K - $74K/yr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 5 days ago

Job description

SUMMARY:
The Commercial Credit Analyst analyzes complex commercial relationships mainly in the area of Commercial & Industrial and Investment Real Estate relationships. As the associate progresses in learning objectives, the Commercial Credit Analyst will underwrite complex commercial relationships, including evaluating compliance with underwriting policies and guidelines and working directly with lenders to author Credit Memorandums. Analysis includes, but is not limited to, the financial condition of the borrower, likelihood of achieving projections, relevant market and industry data, evaluation of repayment capacity, and complex individual tax returns. The Commercial Credit Analyst interacts with a variety of professionals and represents the bank in interactions with bank clients and other professionals, including client-facing responsibilities.
ESSENTIAL JOB FUNCTIONS:
  • Works independently on moderate to complex financial analysis with guidance from members of the credit leadership team and Commercial Underwriters
  • Underwrites commercial loan relationships within established service levels
  • Independently constructs financial models and performs financial analysis, including but not limited to, repayment capacity, discounted cash flows, and enterprise valuation
  • Identifies underwriting policy and guideline exceptions using working knowledge of established policies and procedures
  • Identifies key credit strengths and weaknesses and appropriate mitigating factors
  • Maintains working knowledge of best practice and regulatory issues
  • Assists in the preparation of Industry Studies as assigned that include, but are not limited to, i) a review of the regional and national markets, ii) analysis of the performance of the bank's portfolio, iii) analysis of the financial stability of the industry and key risks, iv) recommendation to senior and executive management regarding segment limits which ultimately are presented to the bank's board of directors for approval
  • May be asked to participate in internal or cross-functional process improvement projects and other management reports
  • May be asked to participate in or lead the validation of various reports and industry information
JOB REQUIREMENTS:
  • Bachelor's degree in Finance, Accounting, or Economics with sufficient credits in Accounting
  • Demonstrates an understanding of credit management, credit operations, and commercial lending
KNOWLEDGE/SKILLS REQUIRED:
  • Excellent customer service skills
  • Excellent business writing skills
  • Strong verbal and written communication skills
  • Excellent interpersonal skills
  • High level of attention to detail, with strong problem solving & organizational skills
  • Ability to perform effectively in fast-paced environment
  • Working Knowledge of Microsoft Office, especially Word, Excel
PHYSICAL AND MENTAL QUALIFICATIONS:
  • Standing, walking, bending and stooping required
  • Must be able to sit at a desk for long periods of time and use a computer
  • Must be able to occasionally move or lift up to 10 pounds
  • May be asked to work supplemental hours periodically
  • Limited travel required occasionally during and after business hours

Salary Pay Range: $42,647.76- $74195.42 annually
Benefits: Eligible associates may participate in Carter Bank's benefits package, including medical, dental, vision, life insurance, disability coverage, other voluntary benefits, 401(k), paid time off, and paid holidays

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