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Consumer Credit Analyst Jobs in Spring, TX (NOW HIRING)

Bank of the Orient

Credit Underwriter

Houston, TX · On-site

$50K - $90K/yr

... in consumer, commercial, construction and/or SBA lending. Position will work with and provide assistance to loan officers in processing and review of credit applications, developing and analyzing ...

Huntington

Credit Review Team Leader Sr

Houston, TX · On-site +1

$125K - $255K/yr

... consumer portfolios and have general knowledge of lending support area practices impact on credit ... Technical accounting (GAAP) or financial statement analysis knowledge * Working knowledge of MS ...

W3Global Inc.

Mortgage Loan Processor

Houston, TX

$200K - $250K/yr

Strong knowledge of commercial, commercial real estate, healthcare, consumer, and mortgage lending. * Deep understanding of credit analysis, risk rating systems, portfolio management, and loan ...

Hilltop Holdings

Intern - Commercial Banking

Houston, TX · On-site

$13.50 - $18/hr

A Commercial Banking Intern can expect hands-on experience with the credit analyst and lending ... PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of ...

Hilltop Holdings

Intern - Commercial Banking

Houston, TX · On-site

$13.50 - $18/hr

A Commercial Banking Intern can expect hands-on experience with the credit analyst and lending ... PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of ...

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Showing results 21-40

All JobsConsumer Credit Analyst JobsConsumer Credit Analyst Jobs in Spring, TX

Consumer Credit Analyst information

See Spring, TX salary details

$13

$31

$54

How much do consumer credit analyst jobs pay per hour?

As of Sep 14, 2026, the average hourly pay for consumer credit analyst in Spring, TX is $31.14, according to ZipRecruiter salary data. Most workers in this role earn between $23.51 and $33.99 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.
Consumer Credit Analyst jobs near you
Infographic showing various Consumer Credit Analyst job openings in Spring, TX as of September 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $64,762 per year, or $31.1 per hour.

Credit Originator - Community Development Banking - Vice President

Houston, TX • On-site

JPMorgan Chase & Co.
Finance and Insurance • 10K+ employees
Learn more about JPMorgan Chase & Co.external

Full-time

Medical, Retirement

Posted 7 days ago

JPMorgan Chase & Co. rating

7.9

Company rating: 7.9 out of 10

Based on 500 frontline employees who took The Breakroom Quiz

Job description


Join a mission-driven team that helps expand access to Affordable and Workforce housing across communities. You'll partner with experienced commercial real estate professionals to deliver tailored financing solutions for impactful developments. If you thrive in complex deal execution and client leadership, this role offers visibility, ownership, and meaningful outcomes.
As a Credit Originator (CO) within Community Development Banking (CDB), you will oversee and promote the new loan origination process for CDB clients and leverage deep Affordable and Workforce housing expertise to deliver best-in-class financing solutions. You will evaluate and structure opportunities, lead deal teams through execution, coordinate credit approvals, and ensure compliance with underwriting standards and credit approval requirements. You will work with a diverse client base including developers, investors, owners, operating companies, investment funds, Housing Authorities, and non-profit organizations. You will partner closely with Client Executives, Primary Credit Officers (PCOs), Credit Executives/Risk, Legal, Closers, Construction Management, Portfolio Management, and internal product partners.
Job Responsibilities
  • Lead end-to-end origination and execution across Affordable and Workforce housing transactions
  • Evaluate and structure new loan opportunities, identifying key strengths, risks, and mitigants
  • Serve as an advisor to clients on credit structuring products and solutions; maintain strong client engagement through client/property visits and industry events
  • Coordinate the pitch and credit approval process in conjunction with PCOs and Credit Executives; present proposed transactions to senior management and clearly articulate recommended credit decisions
  • Prepare LOIs, term sheets, and negotiate loan documentation; coordinate the closing process and due diligence review CDB
  • Lead checklist/closing calls; engage counsel as point of contact; negotiate key requirements with other funders and address LIHTC/Bond/soft lender requirements and compliance.
  • Coordinate with Risk, Closing, Construction Management, ASG, ERM, Insurance, and other partners to set the framework for credit analysis, confirm deliverable quality, and drive timely execution.
  • Lead the debt delivery process and "own" the client experience as the primary client contact throughout the credit originations process
  • Lead the internal post-close hand-off call with CRELA to ensure construction/disbursement deal terms are communicated appropriately CDB.
  • Act as primary point of contact for clients and other funders regarding credit-related issues and ongoing requests (e.g., modifications, extensions, amendments, payoffs, collateral releases), coordinating with PCO and Client Executive as applicable CDB.
  • Mentor analysts/associates; endorse work product, serve as escalation point during credit analysis and execution, and support development of credit analysis and structuring skills.

Required Qualifications, Capabilities and Skills
  • Minimum 7 years of commercial banking/lending experience, including extensive credit, structuring, closing, and loan documentation experience
  • Commercial Real Estate credit and underwriting experience required
  • Excellent communication skills and ability to present well-reasoned recommendations to senior management
  • Strong interpersonal skills to interact with clients and internal partners
  • Significant accounting and finance knowledge; strong real estate fundamentals
  • Strong analytical and business writing skills
  • Proficiency with Microsoft Word, Excel, and PowerPoint
  • BA/BBA Degree

Preferred Qualifications, Capabilities and Skills
  • Completion of a major corporate banking credit training program
  • MBA
  • Knowledge of JPMorganChase (or similar bank) policies and procedures

About Us
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
About the Team
J.P. Morgan's Global Banking business is one of the largest wholesale banking client franchises in the world. We serve clients, including corporations, governments, states, municipalities, healthcare organizations, education institutions, banks and investors.
Global Investment Banking supports a broad range of corporations, institutions and governments by providing strategic advice, capital raising and risk management expertise.

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