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Credit Analyst Jobs in Missouri (NOW HIRING)

Neighbors Credit Union

Credit Analyst

Saint Louis, MO · On-site

$23 - $34.87/hr

We are looking for a confident and thoughtful Credit Analyst to review and underwrite consumer and home equity loan applications. In this role, you will use financial analysis, lending guidelines ...

Neighbors Credit Union

Credit Analyst

Saint Louis, MO · On-site

$23 - $34.87/hr

We are looking for a confident and thoughtful Credit Analyst to review and underwrite consumer and home equity loan applications. In this role, you will use financial analysis, lending guidelines ...

UMB Financial Corporation

Credit Analyst

Kansas City, MO · On-site

$51K - $75K/yr

On this Credit Analyst team, you gain the knowledge and skill to understand UMB's Commercial lending philosophy. You will gain broad understanding of loan processes and gain the skills needed to grow ...

UMB Financial

Credit Analyst

Kansas City, MO · On-site

$51K - $75K/yr

On this Credit Analyst team, you gain the knowledge and skill to understand UMB's Commercial lending philosophy.You will gain broad understanding of loan processes and gain the skills needed to grow ...

Carboline

Credit Analyst

Saint Louis, MO

Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst , where you'll play a key role in protecting the company's financial health while supporting ...

Carboline

Credit Analyst

Maryland Heights, MO · On-site

Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst , where you'll play a key role in protecting the company's financial health while supporting ...

Tremco Construction

Credit Analyst

Saint Louis, MO · On-site

Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst , where you'll play a key role in protecting the company's financial health while supporting ...

Kop-Coat, Inc.

Credit Analyst

Saint Louis, MO

Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst , where you'll play a key role in protecting the company's financial health while supporting ...

Husqvarna Group

Credit Analyst

Kansas City, MO · On-site

As a Credit Analyst at Husqvarna Construction in Olathe, KS, you manage client accounts from a finance perspective in order to support sales yet mitigate the company's risk of payment delays and ...

Commerce Bank

Credit Analyst

Kansas City, MO · On-site

$26.70 - $31.50/hr

Prepare financial statement spreads and other credit related items as needed (minimal to moderate complexity) * Perform basic to moderate financial analysis on companies of diverse industries and ...

O'Reilly Auto Parts

Credit Analyst

Springfield, MO · On-site

Analyze and evaluate credit risk for current customers for limit increases, special financing and other requests. Establish payment plans for past due accounts. All other duties as assigned. SKILLS ...

Academy Bank

Credit Analyst II

Kansas City, MO · On-site

$70K/yr

Well-written credit analysis with minimal revisions made by supervisor or department head. Responsibilities * Financial statements spreadsheets. * Financial analysis of commercial loans (both real ...

O'Reilly Auto Parts

Credit Analyst

Springfield, MO · On-site

Analyze and evaluate credit risk for current customers for limit increases, special financing and other requests. Establish payment plans for past due accounts. All other duties as assigned. SKILLS ...

Academy Bank

Credit Analyst III

Kansas City, MO · On-site

Well-written credit analysis with minimal revisions made by supervisor or department head. Responsibilities * Create financial statement spreads and summary charts. * Perform financial analysis of ...

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Credit Analyst information

See Missouri salary details

$14

$28

$45

How much do credit analyst jobs pay per hour?

As of Aug 29, 2026, the average hourly pay for credit analyst in Missouri is $28.07, according to ZipRecruiter salary data. Most workers in this role earn between $21.63 and $31.59 per hour, depending on experience, location, and employer.

What does a credit analyst do?

A Credit Analyst evaluates the creditworthiness of individuals or businesses applying for loans or credit. They review financial statements, credit reports, and economic conditions to assess the risk of lending money. Based on their analysis, they make recommendations to approve or deny credit applications and may suggest terms for repayment. Their work helps financial institutions minimize losses and make informed lending decisions.

What does a credit analyst do?

As a credit analyst, you evaluate customer credit history to determine the risk level for giving out loans or lines of credit to clients. You’ll use statistical software to help you decide which clients are eligible for loans and which ones aren’t. Your job duties include analyzing your clients’ financial statements and credit history, establishing credit limits, informing clients of payment policies, and resolving disputes. Your decisions impact whether the bank or financial institution you work for makes money or loses money, so your responsibilities make you a crucial part of the team.

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, financial acumen, and typically a degree in finance, accounting, or a related field. Proficiency in financial modeling, Microsoft Excel, and experience with credit risk assessment software such as Moody’s or S&P Global Market Intelligence are highly valued. Excellent attention to detail, effective communication, and sound judgment are essential soft skills for assessing clients and presenting findings. These abilities ensure accurate credit evaluations, mitigate risk, and support informed lending decisions.

What are the typical challenges a credit analyst faces when evaluating complex loan applications?

Credit Analysts often encounter challenges such as incomplete financial information, inconsistent documentation, and the need to assess risk in rapidly changing market conditions. Evaluating applicants from diverse industries may require specialized knowledge to accurately interpret financial statements and cash flow projections. Strong analytical skills and effective communication with both clients and internal stakeholders are essential to resolve ambiguities and ensure sound credit decisions.

What is the difference between Credit Analyst vs Loan Officer?

AspectCredit AnalystLoan Officer
Required CredentialsBachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis coursesBachelor's degree in finance, business, or related; often requires mortgage or loan origination licenses
Work EnvironmentOffice setting, analyzing financial data, assessing creditworthinessOffice or branch, meeting clients, processing loan applications
Employer & Industry UsageBanks, credit unions, financial institutionsBanks, mortgage companies, credit unions

While both roles involve financial assessment, a Credit Analyst primarily evaluates credit data to determine risk, whereas a Loan Officer interacts directly with clients to approve and process loan applications. Understanding these differences helps in choosing the right career path or job search focus.

Are credit analysts paid well?

Credit analysts typically earn a competitive salary that varies based on experience, education, and location. 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.

What qualifications do you need to be a credit analyst?

To become a credit analyst, candidates typically need a bachelor's degree in finance, accounting, economics, or a related field. Strong analytical skills, proficiency with financial analysis tools, and knowledge of credit reporting and risk assessment are also important. Some roles may require relevant certifications such as the Chartered Financial Analyst (CFA) or Credit Risk Certification.
More about Credit Analyst jobs

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The most popular types of Credit Analyst jobs in Missouri are:

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For Credit Analyst jobs in Missouri, the most frequently searched job titles are:

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The top searched job categories for Credit Analyst jobs in Missouri are:

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Cities in Missouri with the most Credit Analyst job openings:

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For Credit Analyst jobs in MO, the most frequently searched job titles are:

Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in Missouri 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 $58,384 per year, or $28.1 per hour.

Credit Analyst

Saint Louis, MO • On-site

Neighbors Credit Union
Finance and Insurance • 51 - 200 employees
Learn more about Neighbors Credit Unionexternal

$23 - $34.87/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

This job post has expired 1 day ago. Applications are no longer accepted.

Job description

Make smart lending decisions that make a real difference.
At Neighbors Credit Union, lending is about more than reviewing numbers-it is about understanding the person behind the application and finding responsible ways to help our members move forward. We are looking for a confident and thoughtful Credit Analyst to review and underwrite consumer and home equity loan applications. In this role, you will use financial analysis, lending guidelines, and sound judgment to make lending decisions that balance member needs with responsible risk management. This is an opportunity for someone who enjoys solving complex problems, making informed decisions, and collaborating with others to create positive lending experiences.
What You'll Do
As a Credit Analyst, you will:
  • Review and underwrite consumer and home equity loan applications by analyzing credit history, income, debt, collateral, and other financial information.
  • Approve, decline, or recommend lending decisions within your assigned lending authority.
  • Look beyond the credit score by evaluating the full financial picture, including compensating factors and the member's individual circumstances.
  • Work through complex lending situations using underwriting guidelines, policy interpretation, and sound judgment.
  • Recommend lending solutions that support members' financial needs while protecting the credit union from unnecessary risk.
  • Partner with Loan Production, Branch Operations, Member Service, and Loan Servicing to gather information, resolve application questions, and communicate lending decisions.
  • Clearly explain lending decisions and identify what additional information may be needed to move an application forward.
  • Ensure lending decisions comply with credit union policies, underwriting guidelines, and applicable federal and state regulations.
  • Stay current on consumer lending products, underwriting practices, regulations, and lending systems.
  • Serve as a knowledgeable resource for employees who have questions about lending requirements or underwriting decisions.
  • Identify opportunities to improve underwriting consistency, turnaround times, processes, and the overall lending experience.
  • Participate in quality reviews, employee training, and departmental projects.

Requirements
What Will Help You Succeed
You may be a great fit for this position if you:
  • Enjoy making decisions and can confidently explain the reasoning behind them.
  • Can balance member service with responsible risk management.
  • Look at the full lending situation instead of relying on a single number or factor. Are comfortable reviewing detailed financial and credit information.
  • Know when a situation fits established guidelines and when it requires additional review.
  • Communicate clearly and respectfully, especially when a lending decision is complex or sensitive. Work well with employees across different departments.
  • Can manage multiple applications and priorities without sacrificing accuracy.
  • Are curious, solutions-focused, and willing to recommend process improvements.

Experience and Qualifications
  • 5 years of experience in consumer lending, credit analysis, underwriting, loan processing, or a related financial-services role.
  • Experience reviewing consumer credit reports and financial documentation.
  • Knowledge of consumer lending practices, underwriting principles, and credit risk.
  • Home equity lending experience is preferred.
  • Familiarity with applicable consumer lending regulations is preferred.
  • High school diploma or equivalent required; additional education in business, finance, accounting, or a related field is preferred. Ability to obtain and maintain any required lending registrations or certifications.

What You'll Bring to the Team
You will bring a combination of analytical thinking and people-focused decision-making. You understand that strong underwriting is not about automatically saying "yes" or "no." It is about asking the right questions, recognizing reasonable lending opportunities, and reaching decisions that are fair, consistent, and responsible.
What We Offer
  • Competitive compensation: $23.00 - $34.87 per hour
  • Schedule: This position requires flexibility to work a rotating schedule based on business needs. Employees generally work 40 hours per week. Some weeks follow a Monday-Friday, 8:00 a.m.-5:00 p.m. schedule. Rotating weeks require Monday, Wednesday, and Friday until 7:00 p.m. and Saturday from 8:00 a.m. to 5:00 p.m. During these rotation weeks, employees receive scheduled time off during the regular workweek to ensure the average workweek remains 40 hours.
  • Insurnace: Medical, dental, and vision coverage Retirement plan with employer contribution or match Paid time off and company-paid holidays
  • Employee assistance and wellness programs Professional development and growth opportunities

Ready to Make an Impact?
If you are an experienced lending professional who can combine analysis, judgment, and a genuine desire to help people, we would love to meet you.
Apply today and help us make lending decisions that strengthen our members and our communities.

Apply