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Credit Analyst Trainee Jobs (NOW HIRING)

Civista Bank

Credit Analyst Trainee

Sandusky, OH

Under supervision, the Credit Analyst Trainee will conduct credit investigations, prepares and interprets financial statements for detailed spreading, and analyzes routine credit information ...

Civista Bank

Credit Analyst Trainee

Sandusky, OH · On-site

Under supervision, the Credit Analyst Trainee will conduct credit investigations, prepares and interprets financial statements for detailed spreading, and analyzes routine credit information ...

Civista Bank

Credit Analyst Trainee

Sandusky, OH

Under supervision, the Credit Analyst Trainee will conduct credit investigations, prepares and interprets financial statements for detailed spreading, and analyzes routine credit information ...

Civista Bank

Credit Analyst Trainee

Sandusky, OH · On-site

Under supervision, the Credit Analyst Trainee will conduct credit investigations, prepares and interprets financial statements for detailed spreading, and analyzes routine credit information ...

Mutual Bancorp

Senior Credit Analyst

Leominster, MA

Mentors and assists the training of less experienced credit analysts and commercial lending trainees in statement spreading and other credit administrative duties * Responsible for annual review date ...

Cape Cod Five

Senior Credit Analyst

Hyannis, MA

$31.01 - $41.10/hr

Mentors and assists the training of less experienced credit analysts and commercial lending trainees in statement spreading and other credit administrative duties * Responsible for annual review date ...

Mutual Bancorp

Senior Credit Analyst

Hyannis, MA

Mentors and assists the training of less experienced credit analysts and commercial lending trainees in statement spreading and other credit administrative duties * Responsible for annual review date ...

Cape Cod Five

Senior Credit Analyst

Leominster, MA

$31.01 - $41.10/hr

Mentors and assists the training of less experienced credit analysts and commercial lending trainees in statement spreading and other credit administrative duties * Responsible for annual review date ...

Mutual Bancorp

Senior Credit Analyst

Hyannis, MA · On-site

Mentors and assists the training of less experienced credit analysts and commercial lending trainees in statement spreading and other credit administrative duties * Responsible for annual review date ...

First National Bank

Credit Analyst

Sioux Falls, SD · On-site

Position Summary: As a Credit Analyst, you will be responsible for identifying and evaluating ... Provide mentoring and guidance to other analysts, business banking trainees, and interns as they ...

Ascend Bank

Senior Credit Analyst

Wallingford, CT · On-site

Analyze financial information of prospective and existing borrowers and, if credit-worthy ... trainees. * In consultation with the CLO and Credit Management, prepare required reporting for ...

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Credit Analyst Trainee information

See salary details

$15

$29

$49

How much do credit analyst trainee jobs pay per hour?

As of Jun 29, 2026, the average hourly pay for credit analyst trainee 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.

What is the difference between Credit Analyst Trainee vs Credit Analyst?

AspectCredit Analyst TraineeCredit Analyst
Required CredentialsTypically a bachelor's degree in finance, economics, or related field; some employers may prefer certifications like CFA or credit analysis coursesSame as trainee, often with additional experience or certifications
Work EnvironmentEntry-level, training-focused, often in banks, financial institutions, or credit agenciesMore independent, responsible for analyzing credit data, making recommendations, and monitoring credit risk
Employer & Industry UsageUsed in banking, finance, and credit companies as a starting roleUsed in similar industries, with increased responsibilities

The main difference between a Credit Analyst Trainee and a Credit Analyst is experience level and responsibility. Trainees are in training, gaining skills and knowledge, while Credit Analysts have more independence and decision-making authority in assessing credit risk.

Will AI replace credit analyst?

AI can automate routine tasks in credit analysis, such as data collection and initial risk assessment, but it is unlikely to fully replace credit analysts. Human judgment, industry knowledge, and relationship management remain essential components of the role, especially in complex or nuanced cases.

What are Credit Analyst Trainees?

Credit Analyst Trainees are entry-level professionals who assist in evaluating the creditworthiness of individuals or businesses applying for loans or credit. They work under the supervision of experienced credit analysts, learning to analyze financial statements, assess risks, and prepare credit reports. This role provides foundational training in financial analysis, credit assessment, and industry-specific regulations, preparing trainees for advancement to full credit analyst positions.

What does an entry level credit analyst do?

An entry-level credit analyst evaluates the creditworthiness of individuals or businesses by analyzing financial statements, credit reports, and other relevant data. They assist in determining the risk of extending credit and often use financial analysis tools and software to support their assessments under supervision. The role typically requires strong analytical skills and attention to detail.

How to become a credit analyst with no experience?

To become a credit analyst trainee with no experience, focus on gaining relevant knowledge through courses in finance, accounting, or economics, and develop skills in data analysis and financial statement review. Internships or entry-level positions in finance or customer service can provide practical experience, and obtaining certifications like the Financial Risk Manager (FRM) or Credit Analyst Certification can enhance your qualifications.

What are some common challenges faced by Credit Analyst Trainees during their initial months on the job?

Credit Analyst Trainees often encounter challenges such as learning to interpret complex financial statements, adapting to internal risk assessment models, and managing tight deadlines for report submissions. Additionally, they must quickly develop strong attention to detail and analytical skills to accurately assess creditworthiness. Collaboration with senior analysts and frequent communication with relationship managers are key to overcoming these challenges and building confidence in making well-informed recommendations.

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

To thrive as a Credit Analyst Trainee, you need a solid understanding of financial analysis, accounting principles, and a relevant degree such as finance, economics, or business. Familiarity with financial modeling tools, Microsoft Excel, and credit risk assessment software is commonly required. Strong analytical thinking, attention to detail, and effective communication skills help you stand out in this role. These competencies are crucial for accurately assessing creditworthiness, minimizing risk, and supporting sound lending decisions.

Can I get a credit analyst job with no experience?

Credit analyst trainee positions often require some knowledge of finance, accounting, or related fields, but many entry-level roles are open to candidates with little or no experience if they demonstrate strong analytical skills and a willingness to learn. Employers may provide on-the-job training and look for relevant coursework, certifications, or internships to supplement experience. Developing skills in financial analysis tools and understanding credit reporting can improve chances of securing such roles.
More about Credit Analyst Trainee jobs
What cities are hiring for Credit Analyst Trainee jobs? Cities with the most Credit Analyst Trainee job openings:
What are the most commonly searched types of Credit Analyst jobs? The most popular types of Credit Analyst jobs are:
What states have the most Credit Analyst Trainee jobs? States with the most job openings for Credit Analyst Trainee jobs include:
What job categories do people searching Credit Analyst Trainee jobs look for? The top searched job categories for Credit Analyst Trainee jobs are:
Credit Analyst Trainee jobs near you
Infographic showing various Credit Analyst Trainee job openings in the United States as of June 2026, with employment types broken down into 52% Full Time, 43% Part Time, 2% Temporary, and 3% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.
Credit Analyst Trainee

Credit Analyst Trainee

Civista Bank

Sandusky, OH

Other

Posted 6 days ago

Key responsibilities

  • Investigate credit and financial information from various sources including reporting services, credit bureaus, and bank references.

  • Spread and analyze financial statements and related material using appropriate software programs.

  • Prepare summaries, present facts, and offer opinions concerning credit worthiness under supervision.

Civista Bank rating

8.3

Company rating: 8.3 out of 10

Based on 6 frontline employees who took The Breakroom Quiz

18th of 142 rated banks

Job description

Description

Position Purpose: Under supervision, the Credit Analyst Trainee will conduct credit investigations, prepares and interprets financial statements for detailed spreading, and analyzes routine credit information pertaining to Commercial Loan Requests and Loan Reviews Prepares reports and information for management and Loan Committees; furnishes information in relation to credit inquiries; provides assistance to commercial loan officers as request.  


Description of Duties, Responsibilities and Expectations:

  • Investigating all available sources of credit and financial information, including reporting services, credit bureaus, other companies, bank references, and in-house credit information.
  • Spreading and analyzing financial statements and related material using the appropriate software programs.
  • Under supervision, preparing summaries, presenting facts, and offering opinions concerning credit worthiness.
  • Summarize conclusions in Loan Presentations and Loan Reviews.
  • Conduct analysis of the market (customers) and industry (competition, suppliers, and potential new entrants) and management teams.
  • Assist with special projects and reporting assignments in Credit Administration.
  • Know and understand Bank/Credit policies and procedures.
  • To provide computer support, including data entry, in the maintenance of the loan analysis systems.
  • Understand new and pending laws and regulations that affect the organization's credit practices.
  • Participate in the ongoing development of commercial credit policies and procedures that safeguard the Bank.
  • To provide and maintain reporting requirements on Bank customers' credit obligations.
  • Recommend risk grade changes.
  • Complete Loan Reviews as directed by Lead Loan Review Analyst or Credit Administration Manager.


Requirements

Qualifications, Knowledge and Skills:


  • Bachelor's degree (business preferred), associate's degree in business concentration, also acceptable; minimum: having some post HS training in accounting or finance if no degree.
  • Commercial credit and lending experience a plus.
  • A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. 
  • Knowledge of banking industry practices relative to commercial banking.
  • High level of analytical ability
  • Strong written, verbal and interpersonal skills; ability to maintain confidentiality of information, as appropriate.
  • Understanding of the components of financial statements and personal/corporate tax returns.
  • Proficiency with Microsoft Office products (Word, Excel, Access, Power Point, etc.) and financial statement spreading software is required.
  • A high level of initiative, thoroughness, accuracy and organizational skills required.
  • Detail oriented with effective judgment and time management.


Physical Requirements:


  • Work involves eye strain due to the frequent use of computer screens, reading of reports, entering information into a spreadsheet, and so forth.
  • Work involves sitting most of the day.
  • Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions
  • Work involves lifting and moving loan files of up to 15 lbs.
  • Work involves some travel, independently and with loan officers, to consult on financial loan information, training, meetings and so forth.


EOE - Race/Sex/Disability/Veteran
This Position Description is not a complete statement of all duties and responsibilities comprising this position.
Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time.


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