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Consumer Credit Analyst Jobs (NOW HIRING)

Peoples Bank

Consumer Credit Analyst I

Marietta, OH · On-site

... credit decision. * Will analyze consumer financial documents or tax returns as necessary to establish ability to repay. * Will be responsible for approving loans within established authority and ...

Tolleson Wealth Management

Credit Analyst

Dallas, TX

Retrieve and analyze consumer credit reports. * Assess the credit risk associated with each application, taking into consideration factors such as ability to repay, payment history, debt levels, and ...

Golden 1

Consumer Credit Analyst II - NLA is responsible for reviewing, analyzing and evaluating simple to complex secured and unsecured consumer loan applications and based on their judgment approve, modify ...

Tolleson Wealth Management

Credit Analyst

Dallas, TX · On-site

Retrieve and analyze consumer credit reports. * Assess the credit risk associated with each application, taking into consideration factors such as ability to repay, payment history, debt levels, and ...

Tolleson Wealth Management

Retrieve and analyze consumer credit reports. * Assess the credit risk associated with each application, taking into consideration factors such as ability to repay, payment history, debt levels, and ...

Tolleson Wealth Management

Credit Analyst

Dallas, TX · On-site

Retrieve and analyze consumer credit reports. * Assess the credit risk associated with each application, taking into consideration factors such as ability to repay, payment history, debt levels, and ...

F&M Bank

The Consumer Credit Underwriter is responsible for evaluating the creditworthiness of individuals ... The role blends analytical, compliance, and customer service responsibilities in a fast-paced ...

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Consumer Credit Analyst information

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$15

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How much do consumer credit analyst jobs pay per hour?

As of Sep 13, 2026, the average hourly pay for consumer credit analyst in the United States is $34.99, according to ZipRecruiter salary data. Most workers in this role earn between $26.44 and $38.22 per hour, depending on experience, location, and employer.

What does a consumer credit analyst do?

A Consumer Credit Analyst evaluates individuals' creditworthiness by analyzing financial information, credit reports, and payment histories. They assess the risk associated with lending money or extending credit to consumers. Their work helps financial institutions make informed decisions on loan approvals, interest rates, and credit limits while minimizing potential losses from default. Consumer Credit Analysts also monitor existing accounts for signs of credit risk and may recommend actions to mitigate those risks.

What are the key skills and qualifications needed to thrive as a consumer credit analyst?

To thrive as a Consumer Credit Analyst, you need strong analytical skills, financial acumen, and a relevant degree in finance, accounting, or economics. Familiarity with credit analysis software, financial modeling tools, and credit bureau systems is typically required. Attention to detail, effective communication, and sound judgment are standout soft skills for this role. These abilities are crucial for accurately assessing credit risk, making informed lending decisions, and maintaining the financial health of lending institutions.

How does a consumer credit analyst typically collaborate with other departments within a financial institution?

Consumer Credit Analysts frequently work alongside loan officers, risk managers, and customer service teams to ensure accurate credit assessments and informed lending decisions. They review and analyze credit reports, financial statements, and payment histories, then communicate their findings and recommendations to relevant teams. Effective collaboration helps streamline the approval process, manage risk, and provide a positive experience for clients. Building strong relationships with colleagues in other departments is essential for success in this role.

What is the difference between Consumer Credit Analyst vs Loan Officer?

AspectConsumer Credit AnalystLoan Officer
CredentialsTypically requires a bachelor's degree in finance, economics, or related field; certifications like CFA are commonRequires a bachelor's degree; licensing or registration may be needed depending on the loan type
Work EnvironmentMostly office-based, analyzing credit data and preparing reportsOffice setting with client interaction, processing loan applications
Employer & IndustryFinancial institutions, credit bureaus, banksBanks, credit unions, mortgage companies

Consumer Credit Analysts evaluate credit data to assess risk, while Loan Officers directly interact with clients to approve or deny loan applications. Both roles require financial knowledge and work within the banking and lending industry, but their daily tasks and focus differ.

Do consumer credit analysts make a lot of money?

Consumer credit analysts typically earn a median annual salary around $50,000 to $70,000, depending on experience, location, and employer. Advanced skills, certifications, and working in larger financial institutions can lead to higher compensation.

What qualifications do you need to be a consumer credit analyst?

A consumer credit analyst typically needs a bachelor's degree in finance, accounting, economics, or a related field. Relevant skills include strong analytical abilities, knowledge of credit reporting and scoring, and proficiency with financial software or tools. Some positions may require industry certifications such as the Certified Credit Analyst (CCA) or similar credentials.

What cities are hiring for Consumer Credit Analyst jobs?

Cities with the most Consumer Credit Analyst job openings:

What states have the most Consumer Credit Analyst jobs?

States with the most job openings for Consumer Credit Analyst jobs include:

What are popular job titles related to Consumer Credit Analyst jobs?

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

Consumer Credit Analyst jobs near you
Infographic showing various Consumer Credit Analyst job openings in the United States as of August 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $72,775 per year, or $35 per hour.

Consumer Credit Analyst

Galveston, TX • On-site

Coastal Community Federal Credit Union
Commercial Banking • 11 - 50 employees
Learn more about Coastal Community Federal Credit Unionexternal

Full-time

Re-posted 20 days ago

Job description

Description

 The Loan Underwriter is responsible for evaluating loan applications and determining credit worthiness in accordance with internal policies, regulatory requirements, and sound lending practices. This position analyzes financial information, assesses risk, and ensures loans are structured to protect the financial institution while serving member needs.

Requirements

 Essential Duties and Responsibilities:

Review, analyze, and underwrite consumer, mortgage, business and/or commercial loan applications

Evaluate credit reports, income documentation, tax returns, bank statements, appraisals, and collateral documentation.

Assess borrower capacity, credit history, collateral adequacy, and overall risk profile.

Ensure compliance with federal and state lending regulations (e.g Fair Lending, TRID, HMDA, ECOA, Reg B).

Make approval, denial, or counteroffer decisions within assigned lending authority.

Provide detailed loan stipulations and communicate conditions to lending staff.

Work closely with loan officers, processors, and branch staff to gather additional documentation.

Maintain documentation and decision rationale in loan file.

Monitor and manage pipeline to ensure timely decisions and service level standards.

Identify potential fraud or misrepresentation concerns.

Assist with audits and regulatory examinations as required.

Recommend policy improvements based on underwriting trends and risk patterns.

Qualifications

Education and Experience:

Bachelor's degree in finance, Business, Accounting or related field preferred.

3-5 years of underwriting experience (consumer, mortgage, and/or commercial).

Experienced in a bank or credit union environment preferred.

Knowledge and Skills

Strong understanding of credit analysis and risk assessment

Knowledge of lending regulations and compliance requirements.

Ability to analyze financial statements and tax returns.

Excellent analytical and decision-making skills.

Strong written and verbal communication skills.

Detail-oriented with strong organizational abilities.

Proficiency in loan origination systems and Microsoft Office.

Competencies:

Sound judgment

Risk assessment and mitigation

Regulatory compliance awareness

Time Management

Collaboration and communication

Confidentiality and discretion

Physical Requirements:

Prolonged periods of sitting at a desk and working on a computer.

Occasional lifting of files up to 20lbs

Work Environment:

Office environment within a financial institution

Standard business hours with occasional extended hours based on loan volume.


***Greater Houston Area Applicants Only

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