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Credit Analyst Trainee Jobs (NOW HIRING)

Lighting Unlimited

Credit Trainee

Lenexa, KS · On-site

Credit Trainee Ferguson is seeking a motivated early-career professional to join our Credit team ... Financial Statement Analysis * Collections strategy * Customer and branch relationship management

HP Products

Credit Trainee

Lenexa, KS

Credit Trainee Ferguson is seeking a motivated early-career professional to join our Credit team ... Financial Statement Analysis * Collections strategy * Customer and branch relationship management

Ferguson Enterprises, LLC

Credit Trainee

Lenexa, KS · On-site

Credit Trainee Ferguson is seeking a motivated early-career professional to join our Credit team ... Financial Statement Analysis * Collections strategy * Customer and branch relationship management

Mizuho Bank, Ltd.

Credit Derivatives Sales

New York, NY · On-site

$150K - $250K/yr

Credit Derivatives Sales We are seeking an experienced Vice President-level Credit Derivatives ... This is not a trainee or "step-up" opportunity. The successful candidate must be capable of ...

Oriental Bank

Oriental's Credit Risk Trainee Development Program is an 18-month accelerated experience designed ... Drive Credit Decisions Through Financial Analysis Perform financial spreading and support credit ...

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Credit Analyst Trainee information

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How much do credit analyst trainee jobs pay per hour?

As of Jul 21, 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. 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.
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 July 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 86% Full Time, 6% Part Time, 1% Temporary, and 5% Contract. Highlights an 82% Physical, 5% Hybrid, and 13% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.
Credit Trainee

Credit Trainee

Lighting Unlimited

Lenexa, KS • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 2 days ago

Job description

Job Posting:

Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes and better businesses. We exist to make our customers' complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities and each other. Ferguson, a Fortune 500 company, is proud to provide best-in-class products, service and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in.

Opportunity: Credit Trainee

Ferguson is seeking a motivated early-career professional to join our Credit team. This role is ideal for individuals with strong initiative, a positive attitude, and a desire to build a career in credit and financial operations.

Program Overview

The Credit Trainee Program is a structured, approximately one-year development program designed to build foundational knowledge in credit management and customer service.

Participants will gain hands-on experience across multiple business functionsoutside of Credit, including:

  • Warehouse operations
  • Sales counters and customer interaction
  • Deliverylogistics
  • Inside and outside sales
  • Branch operations

By the end of the program, trainees will have a practical understanding of trade credit and its role in supporting business growth.

Core Competencies

  • Sales process understanding
  • Credit evaluation and management
  • Financial Statement Analysis
  • Collections strategy
  • Customer and branch relationship management
  • Secondary security concepts
  • Uniform Commercial Code (UCC) fundamentals
  • Enterprise and vendor systems

Qualifications

  • 0-3 years of experience post-bachelor's degree (or equivalent work experience)
  • Strong interest in a career in credit or financial operations
  • Excellent communication and interpersonal skills (in-person, phone, and presentations)
  • Ability to build relationships and work cross-functionally
  • Comfortable in a fast-paced, customer-facing environment
  • Team-oriented with a willingness to learn and stay engaged

Career Path

This role is the starting point for a career in credit management. Upon completion of the program, associates are prepared for a Credit Manager role, responsible for:

  • Managing a portfolio of accounts receivable in a specific market and/or business segment
  • Evaluating and extending credit
  • Partnering with sales and customers to drive growth
  • Managing collections and risk

High-performing Credit Managers mayadvance toleadership roles, including Area Credit Manager.

Location & Relocation

  • Initial training location: Lenexa, KS (~12 months)
  • Relocation required upon program completion
  • Relocationassistanceprovided
  • Geographic preferences will be considered, with flexibility expected

At Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more!

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Pay Range:

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$22.60 - $33.89

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Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles.

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This role is Bonus or Incentive Plan eligible.

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Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements.

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The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability.

Ferguson Enterprises, LLC. is an equal employment employerF/M/Disability/Vet/SexualOrientation/Gender Identity.

Equal Employment Opportunity and Reasonable Accommodation Information

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