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Credit Analyst Work Jobs (NOW HIRING)

Capital Farm Credit

Credit Analyst

Lubbock, TX · On-site

Performs simple to moderately complex level credit analysis work on loans and leases, works under moderate supervision. * In many cases the person is part of a deal team that processes a new loan or ...

Superior Choice Credit Union

Credit Analyst

Duluth, MN · On-site

$25 - $35/hr

In this role, you'll work closely with lenders to evaluate credit requests, assess risk, and ensure our members receive thoughtful, informed financial solutions. What You'll Be Doing: * Analyzing ...

Superior Choice Credit Union

Credit Analyst

Rice Lake, WI · On-site

$25 - $35/hr

In this role, you'll work closely with lenders to evaluate credit requests, assess risk, and ensure our members receive thoughtful, informed financial solutions. What You'll Be Doing: * Analyzing ...

Superior Choice Credit Union

Credit Analyst

Superior, WI · On-site

$25 - $35/hr

In this role, you'll work closely with lenders to evaluate credit requests, assess risk, and ensure our members receive thoughtful, informed financial solutions. What You'll Be Doing: * Analyzing ...

Commercial Credit Group

Credit Analyst

Charlotte, NC · On-site

Credit Analyst Charlotte, NC Commercial Credit Group Inc (CCG) is an independent national ... Ability to work in a fast-paced team environment. * Strong communication, interpersonal, and ...

SYNERGY BANK

Credit Analyst

Houma, LA · Hybrid

Work closely with loan officers, management, and compliance personnel to ensure accurate and ... Experience in credit analysis, commercial banking, lending, accounting, auditing, financial ...

SYNERGY BANK

Credit Analyst

Houma, LA · On-site

$55 - $85/hr

As a Credit Analyst, you will analyze financial statements, tax returns, cash flow, and collateral ... Work closely with loan officers, management, and compliance personnel to ensure accurate and ...

West Coast Community Bank

Credit Analyst

Santa Cruz, CA · On-site

$27 - $30/hr

The Credit Analyst spreads financial statements, analyzes loan requests, and prepares credit approval forms for the Bank's commercial loan requests. Financial analysis includes ratio and trend ...

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Credit Analyst Work information

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$15

$29

$49

How much do credit analyst work jobs pay per hour?

As of Sep 5, 2026, the average hourly pay for credit analyst work 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 does a credit analyst do?

A credit analyst evaluates the creditworthiness of individuals, companies, or organizations applying for loans or credit. They analyze financial statements, credit reports, and economic trends to assess risk and make recommendations on whether to approve or deny credit applications. Their work helps financial institutions minimize risk and make informed lending decisions. Credit analysts often prepare detailed reports and may communicate their findings to loan officers or management. They also monitor existing accounts to identify potential problems early.

What are some common challenges credit analysts face when assessing loan applications?

Credit Analysts often encounter challenges such as incomplete or inconsistent financial data from applicants, making it difficult to accurately assess risk. They must also stay updated on changing industry regulations and economic trends that impact creditworthiness. Additionally, balancing the need for thorough analysis with tight deadlines can be demanding, especially when collaborating with loan officers and underwriters to ensure timely decisions. Navigating these challenges requires strong analytical skills, attention to detail, and effective communication with both clients and internal teams.

What are the key skills and qualifications needed to thrive as a credit analyst, and why are they important?

To thrive as a Credit Analyst, you need strong analytical skills, proficiency in financial statement analysis, and a relevant degree such as finance, accounting, or economics. Familiarity with credit risk assessment tools, financial modeling software like Excel, and sometimes certifications such as CFA or FRM are commonly required. Attention to detail, effective communication, and sound judgment are crucial soft skills for evaluating creditworthiness and presenting recommendations. These competencies are vital for making informed lending decisions, minimizing risk, and supporting organizational financial health.

What is the difference between Credit Analyst Work vs Loan Officer?

AspectCredit Analyst WorkLoan Officer
CredentialsBachelor's degree in finance, accounting, or related field; certifications like CFA or Credit Risk CertificationBachelor's degree; often required to have sales or customer service experience
Work EnvironmentOffice setting, analyzing financial data, assessing creditworthinessOffice or branch, meeting clients, processing loan applications
Employer & IndustryBanks, financial institutions, credit agenciesBanks, credit unions, mortgage companies
Common Search & ComparisonFocuses on evaluating credit risk and financial analysisFocuses on client interaction and loan approval process

While both roles operate within the financial industry, Credit Analyst Work primarily involves assessing credit risk through data analysis, whereas Loan Officers focus on client interactions and approving loan applications. Understanding these differences helps job seekers identify the right career path based on their skills and interests.

Are credit analysts paid well?

Credit analysts typically earn competitive salaries that vary based on experience, location, and industry. According to industry data, the median annual wage for credit analysts is around $70,000, with higher earnings possible for those with advanced certifications or in senior roles. The profession often offers opportunities for bonuses and career advancement.

How much does a credit analyst earn?

The average salary for a credit analyst typically ranges from $50,000 to $70,000 per year, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher salaries and bonuses. Certifications like the CFA or CPA can also influence earning potential.
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What job categories do people searching Credit Analyst Work jobs look for?

The top searched job categories for Credit Analyst Work jobs are:

Credit Analyst Work jobs near you
Infographic showing various Credit Analyst Work job openings in the United States as of August 2026, with employment types broken down into 96% Full Time, 2% Part Time, and 2% Contract. Highlights an 100% In-person job distribution, with an average salary of $62,243 per year, or $29.9 per hour.

Credit Analyst

Capital Farm Credit

Lubbock, TX • On-site

Full-time

Posted 26 days ago

Key responsibilities

  • Assist Relationship Managers, Special Assets Officers, and Loan Administrators with analysis, data input, and risk determination related to loans and leases.

  • Perform credit analysis on loans and leases by evaluating financial information, collateral, and repayment sources to determine creditworthiness and risk ratings.

  • Review and approve loans and credit servicing actions within delegated authority and prepare recommendations for loan committees.

Job description

EDUCATION AND EXPERIENCE

  • Bachelor's degree in Finance, Business Administration or a related field, or equivalent experience.
  • Two (2) to four (4) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of new loan or lease applications or credit servicing actions. 

JOB SUMMARY

  • Assists Relationship Managers, Special Assets Officers and Administrators with data input, analysis, and risk determination.
  • Performs simple to moderately complex level credit analysis work on loans and leases, works under moderate supervision.
  • In many cases the person is part of a deal team that processes a new loan or lease or credit servicing requests. 

ESSENTIAL FUNCTIONS

  • Provides assistance to Relationship Managers, Special Assets Officers, and Loan Administrators in analysis, servicing and reporting of the Association's loans and leases.
  • Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers to ascertain credit worthiness. Determines appropriate risk Probability of Default (PD) rating for loans and leases.
  • Analyzes collateral and borrower primary and secondary repayment sources. Determines appropriate Loss Given Default (LGD) rating for loans and leases.
  • Interprets, communicates, and provides guidance regarding Association lending policies and procedures.
  • Works directly with other internal stakeholders in the development of appropriate credit decisions and prepares other reports as requested by management.
  • Reviews and approves loans submitted by other lending staff that exceed their delegated authority.
  • Complies with proper credit administration practices as outlined in the association's policies and procedures.
  • Assists senior-level credit analysts with complex loan applications as necessary.
  • Participates in the development of loan/lease relationships with other lenders, potential borrowers, applicants, members, participants, and loan/lease referral sources.
  • Assists in the development and closing of loans/leases by assisting management and loan officers and negotiation of such credits.
  • Acts as an approver of loans, leases and credit servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.
  • Interprets and acts upon various legal, title and other questions which may arise on loans or leases.
  • May assist in developing and administering lending programs, as well as developing and revising operating procedures relating to lending operations.
  • Provides mentoring/training to less-senior credit analysts.
  • Assists other Association personnel in completing projects as assigned.
  • Other duties as assigned.

REQUIRED SKILLS

  • General knowledge of accounting/financial systems.
  • Specialized knowledge of accounting/finance principles.
  • Skill in oral and written communication.
  • Intermediate skill level in Microsoft Office applications.
  • Ability to perform intermediate-level accounting and financial analyses under moderate supervision.

DISCLAIMER

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law. If you need a reasonable accommodation for any part of the employment process, please contact us by email at careers@capitalfarmcredit.com and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address. For more information, view the EEO - Know Your Rights and Pay Transparency Statement.

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