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Credit Analyst 3 Jobs (NOW HIRING)

STRIDE BANK NA

Credit Analyst III

Oklahoma City, OK

The Credit Analyst III is responsible for analyzing credit information to determine risk involved in lending money to commercial real estate and commercial and industrial borrowers. The Credit ...

Washington Trust Bank

Credit Analyst III

Tacoma, WA

$88K - $132K/yr

Qualifications: * 3+ years of credit analysis and underwriting experience. * College-level course work, preferably in Accounting, Finance, Business or related field. * Strong accounting aptitude.

Washington Trust Bank

Credit Analyst III

Tacoma, WA · On-site

$88K - $132K/yr

Qualifications: * 3+ years of credit analysis and underwriting experience. * College-level course work, preferably in Accounting, Finance, Business or related field. * Strong accounting aptitude.

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How much do credit analyst 3 jobs pay per hour?

As of Jun 15, 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.

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.

What are Credit Analyst 3s?

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.
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Credit Analyst 3 jobs near you
Infographic showing various Credit Analyst 3 job openings in the United States as of June 2026, with employment types broken down into 20% Full Time, 78% Part Time, 1% Temporary, and 1% Contract. Highlights an 81% Physical, 8% Hybrid, and 11% Remote job distribution, with an average salary of $78,084 per year, or $37.5 per hour.

Credit Analyst III

STRIDE BANK NA

Oklahoma City, OK

Full-time

Posted 28 days ago

Job description

The Credit Analyst III is responsible for analyzing credit information to determine risk involved in lending money to commercial real estate and commercial and industrial borrowers. The Credit Analyst III provides expert credit analysis; performing research for management and monitoring commercial loans in the portfolio.

PRINCIPLE DUTIES AND RESPONSIBILITIES

  1. Analyzes all customer financial information, including but not limited to, business tax returns and financial statements, personal tax returns and financial statements, credit reports, rent rolls, budgets, projections and any other financial information available.
  2. Determines and performs appropriate level of stress testing.
  3. Identifies risk and potential ways to mitigate it.
  4. Risk rates the loan based on transaction, property, borrower and guarantor.
  5. Researches markets and industries and prepare reports for management.
  6. Prepares summary tables and writes the financial analysis section for loan proposals and makes recommendations to lender.
  7. Performs annual status reports on existing loans and relationships.
  8. Serves as technical resource, assisting with implementation and ongoing enhancement of credit analysis software.
  9. Performs special projects as assigned.
  10. Performs other duties as assigned.

EDUCATION AND/OR EXPERIENCE

  • Bachelor's degree in business-related field,or a minimum 7 years' equivalent work experience, required.
  • 4-6 years' experience in commercial credit analysis and/or commercial lending, required.

KNOWLEDGE, SKILLS, AND ABILITIES

  • Proficient in underwriting income-producing real estate, including calculating breakevens, understanding effects of changes in cap rates, interpreting real estate appraisals, and other critical concepts in CRE.
  • Proficient in C&I underwriting, including basic understanding and interpretation of UCA cash flow.
  • Must have good working knowledge of lending processes and subject matter.
  • A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with the commercial lending team of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.
  • Ability to handle complex issues and problems; excellent analytical skills and attention to detail.
  • Excellent verbal, written, and interpersonal communication skills.
  • A significant level of trust and diplomacy required.

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