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Credit Analyst 3 Jobs (NOW HIRING)

Blue Sky Bank

Credit Analyst III

Tulsa, OK · On-site

$85K - $110K/yr

Blue Sky Bank is seeking a detail-oriented and proactive Credit Analyst III to join our team in Tulsa, Oklahoma . In this role, you will play a critical role in the credit decision-making process by ...

Blue Sky Bank

Credit Analyst III

Addison, TX · Hybrid

$93K - $115K/yr

Description Join Blue Sky Bank's dedicated team as a Commercial Credit Analyst III! Drive smart lending decisions. Strengthen financial partnerships. Grow your career. Blue Sky Bank is seeking a ...

Blue Sky Bank

Credit Analyst III

Tulsa, OK · Hybrid

$85K - $110K/yr

Description Join Blue Sky Bank's dedicated team as a Commercial Credit Analyst III! Drive smart lending decisions. Strengthen financial partnerships. Grow your career. Blue Sky Bank is seeking a ...

Blue Sky Bank

Credit Analyst III

Oklahoma City, OK · On-site

$93K - $115K/yr

Blue Sky Bank is seeking a detail-oriented and proactive Credit Analyst III to join our team in Oklahoma City . In this role, you will play a critical role in the credit decision-making process by ...

Blue Sky Bank

Credit Analyst III

Addison, TX · On-site

$93K - $115K/yr

Blue Sky Bank is seeking a detail-oriented and proactive Credit Analyst III to join our team in Dallas/Fort Worth . In this role, you will play a critical role in the credit decision-making process ...

Blue Sky Bank

Credit Analyst III

Oklahoma City, OK · Hybrid

$93K - $115K/yr

Description Join Blue Sky Bank's dedicated team as a Commercial Credit Analyst III! Drive smart lending decisions. Strengthen financial partnerships. Grow your career. Blue Sky Bank is seeking a ...

West Des Moines Chamber of Commerce

$75 - $110/hr

Position Overview We are seeking an experienced and motivated Credit Analyst III to join our Credit team. This position is responsible for performing advanced credit analysis and commercial ...

New

The Williams Companies

Credit Analyst II/III

Tulsa, OK · Hybrid

The position may be filled at the Credit Analyst II or Credit Analyst III level, with placement determined based on the selected candidate's experience, demonstrated capabilities, and depth of credit ...

Williams Companies

Credit Analyst II/III

Tulsa, OK · Hybrid

The position may be filled at the Credit Analyst II or Credit Analyst III level, with placement determined based on the selected candidate's experience, demonstrated capabilities, and depth of credit ...

Williams Companies

Credit Analyst II/III

Houston, TX · On-site

The position may be filled at the Credit Analyst II or Credit Analyst III level, with placement determined based on the selected candidate's experience, demonstrated capabilities, and depth of credit ...

Williams Companies

Credit Analyst II/III

Houston, TX · Hybrid

The position may be filled at the Credit Analyst II or Credit Analyst III level, with placement determined based on the selected candidate's experience, demonstrated capabilities, and depth of credit ...

Williams

Credit Analyst II/III

Houston, TX · On-site

$70 - $110/hr

The position may be filled at the Credit Analyst II or Credit Analyst III level, with placement determined based on the selected candidate's experience, demonstrated capabilities, and depth of credit ...

Encore Bank

Credit Analyst III

Little Rock, AR · On-site

$85 - $110/hr

The Senior Credit Analysts (Credit Analyst III) play a pivotal role in assessing credit risk for individual and business borrowers. The analysts work independently to handle less complex underwriting ...

Northwest

Credit Analyst III - Equipment Finance

The Credit Analyst III will be focused on completing credit memos representing new money requests to new and existing Borrowers. The Credit Analyst III - Equipment Finance will also support the ...

Mission Bank

Credit Analyst III/IV

Visalia, CA · On-site

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 ...

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Credit Analyst 3 information

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$33

$37

$40

How much do credit analyst 3 jobs pay per hour?

As of Sep 6, 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 familiarity with credit risk assessment tools.

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 strong analytical skills and industry experience. Progression may also include specialization in areas like commercial or corporate credit and obtaining certifications such as CFA or CPA. Advancement depends on performance, additional responsibilities, and organizational structure.

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 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $78,084 per year, or $37.5 per hour.

Credit Analyst III

Blue Sky Bank

Tulsa, OK • On-site

$85K - $110K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 17 days ago

Key responsibilities

  • Perform comprehensive financial and credit analysis for new and existing commercial lending relationships

  • Monitor commercial loan relationships and identify emerging credit risks

  • Partner with lenders to facilitate loan approvals, renewals, and ongoing monitoring

Job description

Job Type
Full-time
Description
Join Blue Sky Bank's dedicated team as a Commercial Credit Analyst III!
Drive smart lending decisions. Strengthen financial partnerships. Grow your career.
Blue Sky Bank is seeking a detail-oriented and proactive Credit Analyst III to join our team in Tulsa, Oklahoma. In this role, you will play a critical role in the credit decision-making process by performing comprehensive financial and risk analysis for commercial lending relationships. You'll work independently on complex credit requests, monitor portfolio risk, and assist lenders in maintaining a safe and sound loan portfolio while ensuring compliance with regulatory requirements and bank policy.
Why Blue Sky Bank?
  • Hybrid Work Arrangement - Achieve more with a hybrid work schedule that promotes flexibility, connection, and success.
  • Benefits - Enjoy a comprehensive benefits package that includes a starting accrual of three weeks of paid time off, a 401(k) plan with employer matching, and medical, dental, and vision insurance. Additional benefits include a Health Savings Account (HSA), Flexible Spending Account (FSA), Dependent Care FSA, voluntary accident and critical illness coverage, and 100% employer-paid short-term Disability, long-term disability, and group life/AD&D insurance, as well as optional voluntary life/AD&D coverage.
  • Growth Opportunities - Gain exposure to advanced credit analysis and a diverse loan portfolio.
  • Collaborative Environment - Partner with experienced lenders, credit professionals, and bank leadership in a culture that values teamwork and expertise.
  • Meaningful Influence - Play a critical role in maintaining a safe, sound, and successful loan portfolio.

What You'll Do
  • Perform comprehensive financial and credit analysis for new and existing commercial lending relationships
  • Evaluate borrower financial statements, cash flow, repayment capacity, and overall creditworthiness
  • Assist lenders in structuring credit facilities and identifying appropriate risk mitigation strategies
  • Prepare and maintain detailed, high-quality credit memorandums and underwriting recommendations
  • Monitor commercial loan relationships and identify emerging credit risks
  • Recommend risk rating and grading changes based on ongoing portfolio performance
  • Evaluate collateral, covenant compliance, and financial trends to support ongoing credit monitoring
  • Analyze industry data and market conditions to enhance risk assessments
  • Assess collateral quality and support appropriate loan structures and approval parameters
  • Review and analyze: Accounts Receivable Aging Reports, Borrowing Base Certificates, Rent Rolls, Loan Covenant Compliance, Financial Statements and Cash Flow Analysis, and On-site Collateral Inspections, as needed.
  • Provide meaningful analysis regarding collateral values, inherent risks, and mitigation strategies
  • Partner closely with lenders to facilitate loan approvals, renewals, extensions, and ongoing monitoring
  • Coordinate the timely collection of financial information and clearance of loan exceptions
  • Support efficient credit administration processes and portfolio maintenance efforts
  • Collaborate with departments across the bank to ensure a seamless lending process
  • Ensure compliance with bank policies, regulatory requirements, and fair lending standards
  • Maintain consistency and quality within the credit underwriting process
  • Demonstrate leadership through sound judgment, professionalism, and constructive collaboration
  • Serve as a trusted resource for lenders and internal business partners

Requirements
  • Education: Bachelor's degree in finance, accounting or other business-related fields or equivalent experience.
  • Experience: 5+ years of commercial credit analysis/underwriting experience at a financial institution required. C&I and real estate experience preferred.
  • Valid driver's license, proof of insurance, qualifying motor vehicle record report, and reliable transportation.
  • Advanced knowledge of commercial credit analysis and underwriting
  • Strong understanding of financial statement analysis, cash flow modeling, and risk assessment
  • Ability to independently evaluate complex credit relationships and make sound recommendations

Salary Description
$85,000 - $110,000 per year

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