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Credit Analyst 3 Jobs (NOW HIRING)

Mission Bank

Credit Analyst III/IV

Visalia, CA

We are seeking a Credit Analyst III/ IV to join our Visalia Business Banking Center! The position of Credit Analyst III/IV ('CA III/IV') is responsible for analyzing credit information on current and ...

New

Mission Bank

Credit Analyst III/IV

Visalia, CA · On-site

$78K - $121K/yr

We are seeking a Credit Analyst III/ IV to join our Visalia Business Banking Center! The position of Credit Analyst III/IV ('CA III/IV') is responsible for analyzing credit information on current and ...

New

NBT Bank

Credit Analyst III

Albany, NY · On-site

$71K - $95K/yr

Equivalent education and 3-4+ years as a Commercial Credit Analyst or comparable experience are also acceptable. * RMA Courses such as (not limited to) Analyzing Business Tax Returns, Analyzing ...

NBT Bank

Credit Analyst III

Norwich, NY · On-site

$71K - $95K/yr

Equivalent education and 3-4+ years as a Commercial Credit Analyst or comparable experience are also acceptable. * RMA Courses such as (not limited to) Analyzing Business Tax Returns, Analyzing ...

NBT Bank

Credit Analyst III

Utica, NY · On-site

$71K - $95K/yr

Equivalent education and 3-4+ years as a Commercial Credit Analyst or comparable experience are also acceptable. * RMA Courses such as (not limited to) Analyzing Business Tax Returns, Analyzing ...

NBT Bank

Credit Analyst III

Williamsville, NY · On-site

$71K - $95K/yr

Equivalent education and 3-4+ years as a Commercial Credit Analyst or comparable experience are also acceptable. * RMA Courses such as (not limited to) Analyzing Business Tax Returns, Analyzing ...

NBT Bank

Credit Analyst III

Saratoga Springs, NY · On-site

$71K - $95K/yr

Equivalent education and 3-4+ years as a Commercial Credit Analyst or comparable experience are also acceptable. * RMA Courses such as (not limited to) Analyzing Business Tax Returns, Analyzing ...

NBT Bank

Credit Analyst III

Vestal, NY · On-site

$71K - $95K/yr

Equivalent education and 3-4+ years as a Commercial Credit Analyst or comparable experience are also acceptable. * RMA Courses such as (not limited to) Analyzing Business Tax Returns, Analyzing ...

Academy Bank

Credit Analyst III

Kansas City, MO · On-site

Well-written credit analysis with minimal revisions made by supervisor or department head. Responsibilities * Create financial statement spreads and summary charts. * Perform financial analysis of ...

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How much do credit analyst 3 jobs pay per hour?

As of Aug 16, 2026, the average hourly pay for credit analyst 3 in the United States is $37.54, according to ZipRecruiter salary data. Most workers in this role earn between $36.06 and $39.18 per hour, depending on experience, location, and employer.

What is a credit analyst 3?

A Credit Analyst 3 is an experienced professional responsible for evaluating the creditworthiness of individuals or organizations seeking loans or credit. They analyze financial statements, assess risk, and make recommendations to help their employer minimize potential losses. Compared to entry-level analysts, a Credit Analyst 3 typically handles more complex cases, may mentor junior staff, and often works closely with senior management to develop credit policies. Their expertise helps financial institutions make informed lending decisions and manage credit risk effectively.

How does a credit analyst 3 typically collaborate with other departments to assess and mitigate credit risk?

As a Credit Analyst 3, you will regularly collaborate with relationship managers, loan officers, and risk management teams to gather critical client information, clarify financial details, and ensure comprehensive risk assessment. You may also work closely with legal and compliance departments to verify that credit policies align with regulatory standards. This cross-functional teamwork helps ensure accurate credit evaluations and supports the development of tailored credit solutions for clients, while also maintaining the bank’s risk appetite.

What are the key skills and qualifications needed to thrive as a credit analyst 3, and why are they important?

To thrive as a Credit Analyst 3, you need advanced financial analysis skills, a solid understanding of credit risk assessment, and a bachelor’s degree in finance, accounting, or a related field—often accompanied by several years of experience. Familiarity with financial modeling software, credit scoring systems, and tools like Excel or Moody’s Analytics is typically required. Strong attention to detail, critical thinking, and effective communication are vital soft skills for presenting recommendations and collaborating with stakeholders. These abilities enable accurate risk evaluation and sound lending decisions, which are crucial for an organization’s financial health.

How much does a credit analyst 3 make?

A Credit Analyst 3 typically earns between $70,000 and $90,000 annually, depending on experience, location, and the company's size. This role often requires advanced financial analysis skills and may include additional responsibilities compared to lower-level analyst positions.

What is the career progression for a credit analyst 3?

A Credit Analyst 3 typically advances to senior credit analyst, credit manager, or risk management roles, often requiring additional experience, certifications, or specialized skills. Progression depends on performance, industry experience, and the company's structure, with opportunities to move into supervisory or strategic positions within credit and finance departments.

What other jobs can a credit analyst 3 do?

A Credit Analyst 3 can transition into roles such as senior credit analyst, credit manager, risk analyst, or financial analyst, leveraging their expertise in credit evaluation, financial analysis, and risk assessment. These positions often require strong analytical skills, familiarity with financial software, and sometimes additional certifications like CFA or CPA. Advancement typically involves increased responsibility in credit decision-making, portfolio management, or strategic financial planning.
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Credit Analyst 3 jobs near you
Infographic showing various Credit Analyst 3 job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 82% Full Time, 16% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $78,084 per year, or $37.5 per hour.

Credit Analyst III/IV

Mission Bank

Visalia, CA

Full-time

Posted yesterday

New

Job description

We are seeking a Credit Analyst III/ IV to join our Visalia Business Banking Center! The position of Credit Analyst III/IV ('CA III/IV') is responsible for analyzing credit information on current and potential borrowers. The CA III/IV manages a portfolio of existing loans for the Bank and identifies new lending opportunities within the current portfolio. The CA III/ IV analyzes and reviews the creditworthiness of granting credit for diversified types of loans; assists Relationship Managers in underwriting loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The CA III/IV assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.
Responsibilities include, but are limited to, the following:

  1. Independently manage a loan portfolio and a customer base.
  2. Responsible for servicing a variety of types of business loans in an assigned portfolio.
  3. Assists Relationship Managers ('RMs') in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
  4. Prepares spreadsheets and analyzes financial information including financial statements and tax returns.
  5. Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.
  6. Underwrite loan requests for RM review; makes recommendation on loan structures and terms to loan officers.
  7. Perform the review and renewal of credit facilities, and annual loan reviews of term loan customers to determine that current risk grades are still accurate.
  8. Mentor support staff and peers and leverage your knowledge to aid in their development by proactively coaching.
  9. Provide direct assistance to Regional Presidents, Division Manager and/or RMs, and accompanying on customer calls, as needed.
  10. Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations, with an emphasis on the BSA/AML/CIP.
  11. Other duties as assigned.

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