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Credit Analyst Jobs in Madison, AL (NOW HIRING)

Bestway Rental, Inc.

Credit Manager

Decatur, AL · On-site

Assistant Manager - Credit At Bestway our Credit Managers play a pivotal role in our vision to enhance the customers rent to own experience. We expect our Credit Managers to be customer centric ...

bestway

Credit Manager

Decatur, AL · On-site

Assistant Manager - Credit At Bestway our Credit Managers play a pivotal role in our vision to enhance the customers rent to own experience. We expect our Credit Managers to be customer centric ...

BestWay Rent To Own

Credit Manager

Decatur, AL · On-site

Assistant Manager - Credit At Bestway our Credit Managers play a pivotal role in our vision to enhance the customers rent to own experience. We expect our Credit Managers to be customer centric ...

Bestway Rental

Credit Manager

Decatur, AL · On-site

Assistant Manager - Credit At Bestway our Credit Managers play a pivotal role in our vision to enhance the customers rent to own experience. We expect our Credit Managers to be customer centric ...

bestway

Credit Manager

Decatur, AL · On-site

Assistant Manager - Credit At Bestway our Credit Managers play a pivotal role in our vision to enhance the customers rent to own experience. We expect our Credit Managers to be customer centric ...

BestWay Rent To Own

Credit Manager

Huntsville, AL · On-site

Credit Manager At Bestway our Credit Managers play a pivotal role in our vision to enhance the customers rent to own experience. We expect our Credit Managers to be customer centric individuals that ...

bestway

Credit Manager

Huntsville, AL · On-site

We expect our Credit Managers to be customer centric individuals that help our customers achieve product ownership through on time renewals. Essential Functions * Greeting customers as they enter the ...

Bestway Rental, Inc.

Credit Manager

Huntsville, AL · On-site

We expect our Credit Managers to be customer centric individuals that help our customers achieve product ownership through on time renewals. Essential Functions * Greeting customers as they enter the ...

Bestway Rental

Credit Manager

Huntsville, AL · On-site

We expect our Credit Managers to be customer centric individuals that help our customers achieve product ownership through on time renewals. Essential Functions * Greeting customers as they enter the ...

Bestway Rental, Inc.

Credit Manager

Huntsville, AL · On-site

Summary / Objective At Bestway our Credit Managers play a pivotal role in ourvision to enhance the customers rent to own experience. We expect our CreditManagers to be customer centric individuals ...

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Showing results 1-20

All JobsCredit Analyst JobsCredit Analyst Jobs in Madison, AL

Credit Analyst information

See Madison, AL salary details

$13

$26

$43

How much do credit analyst jobs pay per hour?

As of Sep 8, 2026, the average hourly pay for credit analyst in Madison, AL is $26.84, according to ZipRecruiter salary data. Most workers in this role earn between $20.67 and $30.19 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 Madison, AL?

The most popular types of Credit Analyst jobs in Madison, AL are:

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

What job categories do people searching Credit Analyst jobs in Madison, AL look for?

The top searched job categories for Credit Analyst jobs in Madison, AL are:

What cities near Madison, AL are hiring for Credit Analyst jobs?

Cities near Madison, AL with the most Credit Analyst job openings:

Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in Madison, AL as of August 2026, with employment types broken down into 1% Internship, 76% Full Time, 20% Part Time, 1% Temporary, 1% Contract, and 1% Nights. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $55,822 per year, or $26.8 per hour.

Commercial Relationship Manager

United Community Banks Inc.

Huntsville, AL • On-site

$100 - $125/hr

Other

Posted 6 days ago

Key responsibilities

  • Manage and retain profitable client relationships

  • Develop new business through active calling on clients and prospects

  • Manage loan closing process, including preparing term sheets and communication with related professionals

Job description

Overview

Responsible for the generation and management of a wide variety of businesses that have annual sales above $5 million. The size and complexity of the companies would require analytical training and experience necessary to communicate with a business owner/CEO, CFO or Business Controller.

Duties include developing and managing commercial business relationships including making loans, obtaining deposit accounts, selling cash management services, and cross selling other bank services. Provide guidance to credit analyst and/or portfolio managers and promote the bank within the community.

What You’ll Do
  • Manage and retain profitable client relationships
  • Develop new business through active calling on clients and prospects
  • Develop and maintain a strong COI’s network
  • Use Vertical IQ, Business Browser, or other tools available to research and develop leads
  • Manage individual production versus assigned goals
  • Recommend structure, terms, and rate for loans being underwritten
  • Provide guidance to credit analysts
  • Manage loan closing process to include preparing term sheets and commitment letters as well as communicating with attorneys, appraisers, and related professionals
  • Ensure adherence to company loan policies and procedures
  • Evaluate risk to meet profitability standards
  • Actively participate in community activities or events such as Chamber, Kiwanis, Rotary, etc.
  • Perform quarterly check-ins along with an effective management plan consisting of goals for staff, if applicable
Requirements For Success
  • Bachelor’s degree in business, economics, finance, or accounting preferred or equivalent combination of education and experience
  • Minimum three years’ banking experience in credit analysis or lending
  • Capable of analyzing complex financial statements/completion of commercial analyst training program
  • Possess effective sales and negotiation skills
  • Possess excellent verbal and written communication skills
  • Strong customer service skills
  • Ability to work independently as well as part of a team
  • Self‑motivated/takes initiative
  • Proficient in Microsoft programs
  • Participate in all required compliance training, including Bank Secrecy Act/anti‑money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
Conditions of Employment

Must be able to pass a criminal background & credit check.

FLSA Status

Exempt

SUPERVISORY RESPONSIBILITY

This position could manage employees and is responsible for the coaching, development, and performance management of those employees.

WORK ENVIRONMENT

Location in United Footprint

POSITION TYPE

This is a full‑time position that requires schedule flexibility to work evenings and weekends as needed.

TRAVEL

This position requires up to 20% travel.

OTHER

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Pay Range

USD $0.00 - USD $0.00 /Yr.

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