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Credit Analyst Jobs in Ohio (NOW HIRING)

strategic HR, inc.

Credit Analyst

Miamisburg, OH · On-site

Credit Analyst with Farmers and Merchants Bank in Dayton, OH Do you enjoy digging into financials, analyzing risk, and supporting smart lending decisions? Are you someone who thrives behind the ...

strategic HR, inc.

Credit Analyst

Miamisburg, OH

Credit Analyst with Farmers and Merchants Bank in Dayton, OH Do you enjoy digging into financials, analyzing risk, and supporting smart lending decisions? Are you someone who thrives behind the ...

strategic HR, inc.

Credit Analyst

Miamisburg, OH · On-site

Credit Analyst with Farmers and Merchants Bank in Dayton, OH Do you enjoy digging into financials, analyzing risk, and supporting smart lending decisions? Are you someone who thrives behind the ...

KeyBank

Credit Analyst

Brooklyn, OH · On-site

Credit Analysts are responsible for assessing the degree of risk within a given business and recommending client credit solutions to maintain the bank's asset quality while ensuring compliance with ...

strategic HR, inc.

Credit Analyst

Miamisburg, OH · On-site

Credit Analyst with Farmers and Merchants Bank in Dayton, OH Do you enjoy digging into financials, analyzing risk, and supporting smart lending decisions? Are you someone who thrives behind the ...

Keybank

Credit Analyst

Brooklyn, OH · On-site

Credit Analysts are responsible for assessing the degree of risk within a given business and recommending client credit solutions to maintain the bank's asset quality while ensuring compliance with ...

FIRST MERCHANTS

Credit Analyst I

Columbus, OH · On-site

First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you ...

First-Merchants-Bank

Credit Analyst I

Columbus, OH · On-site

$55 - $75/hr

This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio. As part of this role you will: * Complete accurate, unbiased credit analyses within required ...

gpac

Commercial Credit Analyst

Lakewood, OH · On-site

Commercial Credit Loan Analyst will perform credit analysis, including Loan Presentations and Loan Reviews. This person will be responsible for reviewing, analyzing and written assessments of the ...

gpac

Commercial Credit Analyst

Avon Lake, OH · On-site

Commercial Credit Loan Analyst will perform credit analysis, including Loan Presentations and Loan Reviews. This person will be responsible for reviewing, analyzing and written assessments of the ...

gpac

Commercial Credit Analyst

Fairview Park, OH · On-site

Commercial Credit Loan Analyst will perform credit analysis, including Loan Presentations and Loan Reviews. This person will be responsible for reviewing, analyzing and written assessments of the ...

gpac

Commercial Credit Analyst

Brook Park, OH · On-site

Commercial Credit Loan Analyst will perform credit analysis, including Loan Presentations and Loan Reviews. This person will be responsible for reviewing, analyzing and written assessments of the ...

gpac

Commercial Credit Analyst

Rocky River, OH · On-site

Commercial Credit Loan Analyst will perform credit analysis, including Loan Presentations and Loan Reviews. This person will be responsible for reviewing, analyzing and written assessments of the ...

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All JobsCredit Analyst JobsCredit Analyst Jobs in Ohio

Credit Analyst information

See Ohio salary details

$14

$28

$46

How much do credit analyst jobs pay per hour?

As of Sep 7, 2026, the average hourly pay for credit analyst in Ohio is $28.45, according to ZipRecruiter salary data. Most workers in this role earn between $21.92 and $31.97 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

What are the most commonly searched types of Credit Analyst jobs in Ohio?

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

What are popular job titles related to Credit Analyst jobs in Ohio?

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

What job categories do people searching Credit Analyst jobs in Ohio look for?

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

What cities in Ohio are hiring for Credit Analyst jobs?

Cities in Ohio with the most Credit Analyst job openings:

What are popular job titles related to Credit Analyst jobs in OH?

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

Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in Ohio as of August 2026, with employment types broken down into 81% Full Time, 16% Part Time, and 3% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $59,174 per year, or $28.4 per hour.

Credit Analyst

strategic HR, inc.

Miamisburg, OH • On-site

Full-time

Re-posted 17 days ago

Job description

Company Description

Career Opportunity: Credit Analyst with Farmers and Merchants Bank in Dayton, OH

Do you enjoy digging into financials, analyzing risk, and supporting smart lending decisions? Are you someone who thrives behind the scenes while playing a critical role in a bank’s success? If yes, we want to speak with you!

      Farmers and Merchants Bank is growing in the South Dayton area. We are your hometown bank, proudly serving residents and small businesses with friendly, personalized service for over 90 years.

      Job Description

      As the Credit Analyst, you will support the bank’s lending function with a strong focus on commercial lending. You’ll partner closely with lenders and the credit team to analyze financial data, assess risk, and help ensure sound credit decisions—while keeping lending operations running efficiently and compliantly.

      Additionally, you will:

      • Underwrite and analyze commercial loan requests, including financial spreading and risk grading
      • Prepare and review credit memos and loan presentations for accuracy and completeness
      • Evaluate financial statements, cash flow, and tax returns to assess borrower risk and trends
      • Assist with annual reviews of commercial clients and monitor changes in credit risk
      • Support centralized lending processes, including underwriting, documentation, and due diligence
      • Review loan documentation to ensure compliance with bank policies and regulations
      • Track and collect financial information from commercial clients
      • Assist with lien filings/releases, flood determinations, and insurance tracking
      • Support loan administration tasks, including escrow accounts and loan system maintenance
      • Balance general ledger accounts and process loan-related transactions
      • Prepare reports and support board-level loan presentations
      • Provide overall administrative and analytical support to the lending team
      Qualifications

      Qualifications:

      • 3+ years of experience in commercial credit or loan administration (community bank experience preferred)
      • Strong financial analysis, credit risk assessment, and problem-solving skills
      • Ability to interpret financial statements and identify potential risks or inconsistencies
      • High attention to detail with strong organizational skills
      • Ability to manage multiple priorities and work independently
      • Excellent communication and collaboration skills
      • Proficiency in Microsoft Office, especially Excel
      • High school diploma required; degree in Accounting, Finance, Business, or related field preferred

      Additional Information

      If you’re ready to build your credit expertise and make an impact on lending decisions, apply today!

      Employer is EOE/AA/M/F/D/V.

      Apply