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Credit Advisor Jobs (NOW HIRING)

Synovus

Credit Advisor - USDA UW

Montgomery, AL · On-site +1

Underwrites credit requests including new requests, renewals, modifications, and conducts credit monitoring/portfolio management events such as quarterly/annual review, covenant compliance, and line ...

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Credit Advisor information

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$56K

$62.1K

$66.5K

How much do credit advisor jobs pay per year?

As of Jun 18, 2026, the average yearly pay for credit advisor in the United States is $62,074.00, according to ZipRecruiter salary data. Most workers in this role earn between $59,500.00 and $64,500.00 per year, depending on experience, location, and employer.

What job makes $10,000 a month without a degree?

A credit advisor typically does not earn $10,000 a month without a degree; most roles in this field require relevant certifications and experience. High-paying jobs that can reach this level without a degree often include sales, real estate, or entrepreneurship, which rely on skills, networking, and performance rather than formal education.

How does a Credit Advisor typically collaborate with other departments to support client needs?

Credit Advisors frequently work alongside loan officers, underwriters, and customer service teams to deliver comprehensive financial solutions for clients. By sharing insights on creditworthiness and financial planning, they help tailor products that best fit each client's profile. This collaborative approach ensures that clients receive accurate guidance and smooth service, while also helping the organization manage risk effectively. Regular team meetings and cross-departmental communication are common to ensure alignment on client strategies.

How to become a credit advisor?

To become a credit advisor, individuals typically need a high school diploma or equivalent, with some roles preferring or requiring a bachelor's degree in finance, business, or a related field. Relevant skills include strong communication, analytical abilities, and knowledge of credit reporting and financial products; obtaining certifications such as the Certified Credit Counselor (CCC) can enhance job prospects. Experience in finance or customer service is also valuable for entry into the role.

What does a credit advisor do?

A credit advisor helps clients improve their credit scores, manage debt, and understand credit reports. They analyze financial information, provide guidance on credit-building strategies, and may recommend financial products or services. Strong communication skills and knowledge of credit reporting systems are essential for this role.

What are Credit Advisors?

Credit Advisors are professionals who assist individuals or businesses in managing and improving their credit profiles. They analyze clients’ financial situations, provide strategies to reduce debt, improve credit scores, and offer guidance on financial products. Credit Advisors may also help clients understand credit reports and negotiate with creditors. Their goal is to empower clients to make informed decisions and achieve financial stability.

What is the difference between Credit Advisor vs Loan Officer?

AspectCredit AdvisorLoan Officer
CredentialsTypically requires certifications like CFP or relevant financial licensesOften requires mortgage or loan originator licenses
Work EnvironmentAdvises clients on credit and financial strategies, often in banks or financial firmsAssists clients in applying for loans, working in banks, credit unions, or mortgage companies
Industry UsageUsed in financial planning and credit managementCommonly found in lending and mortgage industries
Search & Comparison IntentOften compared for financial advisory rolesCompared for lending and mortgage services

The main difference is that a Credit Advisor focuses on advising clients on credit management and financial strategies, while a Loan Officer primarily helps clients secure loans. Both roles require financial knowledge and certifications but serve different functions within the financial industry.

What is the highest paying job in credit?

The highest paying roles in credit typically include senior positions such as Credit Director, Chief Credit Officer, or Vice President of Credit, which often require extensive experience, advanced certifications, and strong leadership skills. These roles oversee credit risk management and strategy, earning six-figure salaries in large organizations. Compensation varies based on industry, company size, and geographic location.

What are the key skills and qualifications needed to thrive as a Credit Advisor, and why are they important?

To excel as a Credit Advisor, you need a solid understanding of credit analysis, financial assessment, and relevant regulatory policies, often supported by a degree in finance, business, or a related field. Familiarity with credit management software, financial modeling tools, and sometimes certifications like Certified Credit Professional (CCP) are commonly required. Strong interpersonal skills, attention to detail, and effective communication help build trust and tailor advice to individual client needs. These skills are vital for accurately assessing creditworthiness, minimizing risk, and delivering valuable guidance to clients.
More about Credit Advisor jobs
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What states have the most Credit Advisor jobs? States with the most job openings for Credit Advisor jobs include:
What are popular job titles related to Credit Advisor jobs? For Credit Advisor jobs, the most frequently searched job titles are:
Credit Advisor jobs near you

Merrill Lending Solutions Advisor II

Bank of America

Seattle, WA

$175K - $247K/yr

Full-time

PTO

Posted 6 days ago

Job description

Job Description:

The Merrill Lending Solutions Advisor is a client- and advisor-facing role focused on driving adoption of lending solutions across Merrill Wealth Management. Lending Solutions Advisor are embedded within the business to lead targeted business development efforts, primarily with Private Wealth Advisors and Merrill Financial Advisors with a concentrated focus on Ultra High Net Worth (UHNW) clients. They serve as the first point of contact for early-stage lending conversations and partner closely with GWIM Credit Advisors to deliver a seamless advisor and client experience, from opportunity identification through deal structuring and execution.

Job Description:

Responsible for directing and managing credit activities for a group of Private Wealth Management geographic markets including underwriting, risk analysis, approval, and monitoring credit quality for their area. Covers a credit and derivative portfolio that will generally be greater than $5Bn.; responsible for evaluating all credit exposure within the assigned region or territory; talent nurture and development is a key responsibility. Exercises significant joinder credit approval authority, approving and providing expertise on highly complex transactions within markets supported. Balancing risk management goals with the growth and profitability objectives of the groups supported.

Responsibilities:

  • Drive growth by increasing advisor engagement and UHNW household penetration through education, opportunity identification, and early-stage client engagement
  • Conduct book reviews and one-on-one advisor education sessions to uncover lending opportunities
  • Lead initial client/prospect calls to discuss lending capabilities and gather financial information
  • Pre-screen custom lending opportunities for alignment with GWIM lending guidelines and risk policy
  • Prepare high-level deal memos and coordinate on potential opportunities with Credit Advisors
  • Serve as advisor contact for key moments and escalations, as needed
  • Present and participate in Division, Market, and office-level meetings, lending panels, roadshows, and client events
  • Partner on deal structure, terms, and pricing with Credit Advisors (Credit Advisors retain pricing and approval authority)
  • Stay current on lending solutions, risk policy, regulatory changes, and industry standards
  • Identify incremental lending opportunities through renewals and loan modifications
  • Contribute to Merrill Lending Solutions Group strategy, including product innovation and lending practice improvements

Required Qualifications:

  • 12+ years of experience in wealth management, commercial lending, or credit advisory roles
  • Strong interpersonal and communication skills, with ability to build trust and credibility with advisors and leadership
  • Proven ability to educate and influence financial advisors on complex lending solutions
  • Strong understanding of UHNW client needs and custom credit structuring
  • Ability to manage multiple opportunities and deliver a high-quality advisor and client experience
  • Familiarity with credit policy, risk management, and regulatory frameworks
  • FINRA licenses: SIE, 7, 63 & 65 or 66, required

Desired Qualifications:

  • Bachelor's degree preferred
  • Experience structuring loans secured by commercial real estate, marketable securities, hedge funds, artwork, or other non-traditional collateral
  • Skills in business development, relationship management, client engagement, and strategic thinking Skills Required: Skills:
  • Business Development
  • Client Management
  • Loan Structuring
  • Relationship Building
  • Active Listening
  • Credit Analysis
  • Presentation Skills
  • Collaboration
  • Strategic Thinking
  • Pipeline Management
  • Problem Solving
  • Sales Strategy

Shift:

1st shift (United States of America)

Hours Per Week:

40

Pay Transparency details

US - CA - Los Angeles - 2049 Century Park E - CENTURY CITY MAIN OFFICE (CA9159), US - WA - Seattle - 401 Union St - Rainier Square (WA1510)Pay and benefits informationPay range$175,000.00 - $247,500.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligibleThis role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

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