ZipRecruiter

Log In

1

Credit Analyst Jobs (NOW HIRING)

3Rivers Federal Credit Union

Credit Analyst

Fort Wayne, IN · On-site

$51K - $123K/yr

Credit Analyst Reports To : AVP of Commercial Lending Location: Onsite Position Type: Exempt Individual Contributor Pay - $51,250/yr - $123,000/yr Note - The salary for this position is based on a ...

Horizon Farm Credit

Credit Analyst

Reedsville, PA · On-site

$51K - $86K/yr

Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mechanicsburg, PA, Reedsville, PA, Frederick, MD or Winchester, VA ...

Horizon Farm Credit

Credit Analyst

Winchester, VA · On-site

$51K - $86K/yr

Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mechanicsburg, PA, Reedsville, PA, Frederick, MD or Winchester, VA ...

Horizon Farm Credit

Credit Analyst

Mechanicsburg, PA · On-site

$51K - $86K/yr

Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mechanicsburg, PA, Reedsville, PA, Frederick, MD or Winchester, VA ...

Horizon Farm Credit

Credit Analyst

Frederick, MD · Hybrid

$51K - $86K/yr

Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mechanicsburg, PA, Reedsville, PA, Frederick, MD, or Winchester, VA ...

Horizon Farm Credit

Credit Analyst

Reedsville, PA · Hybrid

$51K - $86K/yr

Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mechanicsburg, PA, Reedsville, PA, Frederick, MD or Winchester, VA ...

Horizon Farm Credit

Credit Analyst

Winchester, VA · Hybrid

$51K - $86K/yr

Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mechanicsburg, PA, Reedsville, PA, Frederick, MD or Winchester, VA ...

Horizon Farm Credit

Credit Analyst

Frederick, MD · On-site

$51K - $86K/yr

Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mechanicsburg, PA, Reedsville, PA, Frederick, MD, or Winchester, VA ...

Horizon Farm Credit

Credit Analyst

Mechanicsburg, PA · Hybrid

$51K - $86K/yr

Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mechanicsburg, PA, Reedsville, PA, Frederick, MD or Winchester, VA ...

next page

Showing results 1-20

All JobsCredit Analyst Jobs

Credit Analyst information

See salary details

$15

$29

$49

How much do credit analyst jobs pay per hour?

As of Jun 11, 2026, the average hourly pay for credit analyst in the United States is $29.92, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $33.65 per hour, depending on experience, location, and employer.

Will AI replace credit analyst?

AI can automate routine tasks such as data analysis and credit scoring for credit analysts, increasing efficiency. However, the role of a credit analyst also involves judgment, relationship management, and interpreting complex financial information, which are less likely to be fully replaced by AI in the near term.

What qualifications do you need to be a credit analyst?

A credit analyst typically needs a bachelor's degree in finance, accounting, economics, or a related field. Strong analytical skills, proficiency with financial analysis tools, and knowledge of credit reporting are essential; some roles may also require relevant certifications such as the CFA or credit-specific training.

What is the difference between Credit Analyst vs Loan Officer?

AspectCredit AnalystLoan Officer
Required CredentialsBachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis coursesBachelor's degree in finance, business, or related; often requires mortgage or loan origination licenses
Work EnvironmentOffice setting, analyzing financial data, assessing creditworthinessOffice or branch, meeting clients, processing loan applications
Employer & Industry UsageBanks, credit unions, financial institutionsBanks, mortgage companies, credit unions

While both roles involve financial assessment, a Credit Analyst primarily evaluates credit data to determine risk, whereas a Loan Officer interacts directly with clients to approve and process loan applications. Understanding these differences helps in choosing the right career path or job search focus.

What exactly does a credit analyst do?

A credit analyst evaluates the creditworthiness of individuals or businesses by analyzing financial statements, credit reports, and other relevant data. They assess the risk of lending money or extending credit, often using financial software and industry standards to make informed recommendations. Their work helps lenders decide whether to approve or deny credit applications and determine appropriate loan terms.

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

To thrive as a Credit Analyst, you need strong analytical skills, financial acumen, and typically a degree in finance, accounting, or a related field. Proficiency in financial modeling, Microsoft Excel, and experience with credit risk assessment software such as Moody’s or S&P Global Market Intelligence are highly valued. Excellent attention to detail, effective communication, and sound judgment are essential soft skills for assessing clients and presenting findings. These abilities ensure accurate credit evaluations, mitigate risk, and support informed lending decisions.

What are the typical challenges a Credit Analyst faces when evaluating complex loan applications?

Credit Analysts often encounter challenges such as incomplete financial information, inconsistent documentation, and the need to assess risk in rapidly changing market conditions. Evaluating applicants from diverse industries may require specialized knowledge to accurately interpret financial statements and cash flow projections. Strong analytical skills and effective communication with both clients and internal stakeholders are essential to resolve ambiguities and ensure sound credit decisions.

What does a Credit Analyst do?

A Credit Analyst evaluates the creditworthiness of individuals or businesses applying for loans or credit. They review financial statements, credit reports, and economic conditions to assess the risk of lending money. Based on their analysis, they make recommendations to approve or deny credit applications and may suggest terms for repayment. Their work helps financial institutions minimize losses and make informed lending decisions.

Do credit analysts make a lot?

Credit analysts typically earn a moderate to high salary depending on experience, industry, and location. Entry-level positions may start with lower wages, while experienced analysts with certifications like CFA or CPA can earn higher salaries, often supplemented with bonuses and benefits.

What Does a Credit Analyst Do?

As a credit analyst, you evaluate customer credit history to determine the risk level for giving out loans or lines of credit to clients. You’ll use statistical software to help you decide which clients are eligible for loans and which ones aren’t. Your job duties include analyzing your clients’ financial statements and credit history, establishing credit limits, informing clients of payment policies, and resolving disputes. Your decisions impact whether the bank or financial institution you work for makes money or loses money, so your responsibilities make you a crucial part of the team.

More about Credit Analyst jobs
What cities are hiring for Credit Analyst jobs? Cities with the most Credit Analyst job openings:
What are the most commonly searched types of Credit Analyst jobs? The most popular types of Credit Analyst jobs are:
Who are the top companies hiring for Credit Analyst jobs? The top employers for Credit Analyst jobs are:
What states have the most Credit Analyst jobs? States with the most job openings for Credit Analyst jobs include:
What job categories do people searching Credit Analyst jobs look for? The top searched job categories for Credit Analyst jobs are:
What are popular job titles related to Credit Analyst jobs? For Credit Analyst jobs, the most frequently searched job titles are:
Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in the United States as of June 2026, with employment types broken down into 56% Full Time, 42% Part Time, and 2% Contract. Highlights an 81% Physical, 8% Hybrid, and 11% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.
Credit Analyst

Credit Analyst

3Rivers Federal Credit Union

Fort Wayne, IN • On-site

$51K - $123K/yr

Full-time

This job post has expired 1 day ago. Applications are no longer accepted.

Job description

Credit Analyst
Reports To: AVP of Commercial Lending
Location: Onsite
Position Type: Exempt
Individual Contributor
Pay - $51,250/yr - $123,000/yr
Note - The salary for this position is based on a combination of education, relevant experience, and industry standards. The top of the posted pay range reflects compensation for candidates with a similar title, performing comparable duties within a similar industry, and possessing 12 or more years of experience. Actual compensation will be determined based on individual qualifications.
Variable Incentive Pay / Merit: This position is eligible for variable incentive pay based on individual and credit union performance. In addition, the position is also eligible for merit-based pay adjustments after the completion of one year of service, based on personal performance.
Position Summary
The Credit Analyst supports credit analysis, customer relationship activities, and lending decision processes by gathering and evaluating financial and account information. This role assists in assessing creditworthiness, preparing recommendations, and supporting lending and service teams to ensure timely and accurate credit decisions.
Operating as an entry-level professional, the Credit Analyst applies analytical thinking, structured problem-solving, and established procedures to moderate-complexity credit activities. The role emphasizes accuracy, customer focus, and adherence to credit policies while supporting both operational efficiency and customer outcomes.
Knowledge Requirements
  • Foundational understanding of credit analysis and financial concepts.
  • Strong analytical and problem-solving skills.
  • Ability to interpret financial and account data.
  • Effective communication and customer service skills.
  • Proficiency in Microsoft Office and credit/lending systems.

Education and Experience
  • Bachelor's degree required or equivalent experience in finance, accounting, business, or a related field.
  • Typically 1-3 years of experience in credit analysis, financial services, or related roles.
  • Exposure to lending or credit risk environments preferred.

Work Environment & Physical Effort Required
Normal
Core Values
Commitment - Be all in.
Consistency - Be all in EVERY DAY.
Innovation - Think (UYH) and ASK WHY.
Integrity - Do the RIGHT thing, not the easy or quick thing.
Quality - Do an OUTSTANDING job, don't run out of GAS.
Trust - Hold trust and be trustworthy.
Value - Make members lives better, easier, safer; help them fulfill dreams; help them to do what they don't know how to or think isn't possible even if it's not here (see integrity above); make them wiser; help them build wealth (beyond saving $$)
Pay Range: $51,250 - $123,000 per year

Apply