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Credit Analyst Trainee Jobs in Florida (NOW HIRING)

... Trainees, as appropriate. Qualifications Requirements * Minimum 4-year degree or related industry ... Banking or Credit Analysis background is a plus Qualifications * Demonstrates the ability to read ...

... Trainees, as appropriate. Qualifications Requirements * Minimum 4-year degree or related industry ... Banking or Credit Analysis background is a plus Qualifications * Demonstrates the ability to read ...

... Trainees, as appropriate. Requirements * Minimum 4-year degree or related industry experience ... Banking or Credit Analysis background is a plus Qualifications * Demonstrates the ability to read ...

This is not a trainee or entry-level role. Candidates must meet at least 80% of the listed ... Research and implement available tax credits for therapy-based businesses * Ensure compliance with ...

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Credit Analyst Trainee information

See Florida salary details

$11

$22

$36

How much do credit analyst trainee jobs pay per hour?

As of Aug 2, 2026, the average hourly pay for credit analyst trainee in Florida is $22.36, according to ZipRecruiter salary data. Most workers in this role earn between $17.26 and $25.14 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. Credit analysts will continue to adapt by integrating AI tools into their workflow to improve efficiency and accuracy.

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 attention to detail and knowledge of financial principles.

What does a credit trainee do?

A credit analyst trainee assists in evaluating the creditworthiness of individuals or businesses by analyzing financial statements, credit reports, and other relevant data. They support senior analysts in preparing credit reports, assessing risk, and making recommendations, often using financial analysis tools and gaining industry knowledge during training programs.

How to become a credit analyst with no experience?

To become a credit analyst trainee with no experience, focus on gaining relevant skills such as financial analysis, data interpretation, and understanding credit reports through online courses or certifications like CFA Level I. Entry-level positions often require a bachelor's degree in finance, accounting, or related fields, and internships can provide practical exposure to credit assessment processes.

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.
What are the most commonly searched types of Credit Analyst jobs in Florida? The most popular types of Credit Analyst jobs in Florida are:
What are popular job titles related to Credit Analyst Trainee jobs in Florida? For Credit Analyst Trainee jobs in Florida, the most frequently searched job titles are:
What cities in Florida are hiring for Credit Analyst Trainee jobs? Cities in Florida with the most Credit Analyst Trainee job openings:
Infographic showing various Credit Analyst Trainee job openings in Florida as of July 2026, with employment types broken down into 86% Full Time, 9% Part Time, 1% Temporary, and 4% Contract. Highlights an 85% Physical, 6% Hybrid, and 9% Remote job distribution, with an average salary of $46,513 per year, or $22.4 per hour.

Underwriter - Commercial Credit C&I

Amerantbank

Miami, FL โ€ข On-site

Full-time

Re-posted 25 days ago


Job description

Responsible for providing a sound, independent and objective assessment and recommendation on risk factors associated with small business, midsize, large, complex structures and transactions related to Commercial and Industrial (C&I) transactions. This position will also oversee credit risk management and maintenance of credit quality for the respective assigned portfolio by monitoring relationship trends, clearing of exceptions, properly assessing and evaluating credit risk and other key factors, and providing recommendations and credit solutions which are appropriate to the relationship risk profile.

Responsibilities:

  • Provide transactional support with the creation of credit memos while maintaining clear understanding of the Bank’s credit programs and policy and its adherence. Reports to supervisor all deviation from credit programs and policy.
  • Conduct analysis/underwriting functions, as needed. Provide support on new business activities by screening preliminary data and follow up in obtaining required documentation and conformity to credit underwriting policy of the bank. Prepare documentation, memos, and/or presentation as needed.
  • Perform the annual review of existing credit relationships; Identify necessary risk rating changes, errors or inconsistencies and recommend modifications to risk rating as deemed appropriate. This includes calculating and verifying covenant testing requirements and monitoring loan policy exceptions, as needed.
  • Support the accurate review and evaluation of the financial condition and operating performance of C&I Borrowers for new and existing loan exposures, increases, and modifications of terms/conditions.
  • Support the large & complex financial analysis with a high degree of accuracy in terms of figures and credit risk assessment. Responsibility will also include the proper identification of loan policy exceptions and identification of industry/loan structure specific risks/issues with appropriate mitigating factors.
  • Ability to identify, evaluate, monitor and make any recommendation deemed necessary to the supervisor to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules, regulations, prescribed practices, internal policies and procedures or ethical standards.
  • Assist in the review and measurement of Bank Borrower’s conformance with legal covenants, tracking of same and the identification of compliance or non-compliance This may include assisting Credit Portfolio Managers and Relationship Managers in collaborating with other bank units such as Credit Administration, Loan Operations, Credit Services, Closing areas, and Credit Risk.
  • Assist in the training process of new underwriters. Specifically, assist the trainees in the following: adopting the operating procedures of the department, mastering the various formats used and the credit criteria applied to the various forms of analysis.
  • Complete or review and provide feedback on spread financial statements, comprehensive analysis, and credit approval packages according to Bank credit programs and policy.
  • Work within the software systems for loan originations, modifications, annual reviews, and other presentations to senior management.
  • Responsible for the administration and monitoring maturities, delinquencies, including criticized assets reports on a regular basis as well as assisting in the identifying any “red flags” or problems within the portfolio. Reports to supervisor all portfolio issues and irregularities found in these reports.
  • Conduct project site visits/inspections and report findings.
  • Provide assistance in other areas within the department, as required, covering during vacation or absenteeism.
  • Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.
  • Assist management with ongoing projects.
  • Any other duties as assigned by the Chief Credit Officer or supervisor.

Minimum Education and/or Certifications Requirements:

Bachelor’s degree in business, accounting or finance required. Master’s degree preferred OR 5+ years of credit underwriting/credit analysis experience in lieu of education. Formal credit training preferred.

Minimum Work Experience Requirements:

10+ years of professional experience credit underwriting/credit analysis. Knowledgeable of banking products and documentation.

Technical and/or Other Essential Knowledge:

Thorough understanding of the Bank’s credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required; experience in SQL is a plus. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.


This position is hybrid/remote work eligible.