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Credit Analyst Jobs in Philadelphia, MS (NOW HIRING)

U.S. Navy

IT Support Specialist

Conehatta, MS

... analyze information on adversaries, environments, and weather and create intelligence products and ... recommended college credit for Navy training, Navy COOL-funded certifications, USMAP ...

U.S. Navy

IT Support Specialist

Louisville, MS

... analyze information on adversaries, environments, and weather and create intelligence products and ... recommended college credit for Navy training, Navy COOL-funded certifications, USMAP ...

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All JobsCredit Analyst JobsCredit Analyst Jobs in Philadelphia, MS

Credit Analyst information

See Philadelphia, MS salary details

$13

$25

$42

How much do credit analyst jobs pay per hour?

As of Sep 2, 2026, the average hourly pay for credit analyst in Philadelphia, MS is $25.72, according to ZipRecruiter salary data. Most workers in this role earn between $19.86 and $28.94 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 cities near Philadelphia, MS are hiring for Credit Analyst jobs?

Cities near Philadelphia, MS with the most Credit Analyst job openings:

Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in Philadelphia, MS as of August 2026, with employment types broken down into 90% Full Time, and 10% Part Time. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $53,503 per year, or $25.7 per hour.

Commercial Real Estate Relationship Manager III

Trustmark Bank

Louisville, MS • On-site

Full-time

Re-posted 2 days ago

Trustmark National Bank rating

8.2

Company rating: 8.2 out of 10

Based on 19 frontline employees who took The Breakroom Quiz

52nd of 174 rated banks

Job description

Overview
The purpose of this job is to develop and manage commercial loan accounts that meet established lending requirements and maximize profitability to the bank with minimal risk. Provides portfolio maintenance and loan administration in accordance with bank policies.
Responsibilities
  • Portfolio management and pricing decisions within credit authority
  • Recommendations for credit approval to Senior Loan Committee
  • Cross-selling referrals
  • Business development strategies, including prospect list development
  • Recommend promotional sponsorships to senior management
  • Maximizes the department's profitability through the maintenance of a high-quality loan portfolio. Has credit authority for the largest and most complex portfolio within established limit
  • Has a leadership role in the bank's business development activities. Attracts new business relationships and expands existing business relationships through the call program
  • Provides guidance to, and may manage, less experienced relationship managers
  • Maintain professional community relations, including leadership roles, to increase the bank's visibility and new business opportunities, and to further personal development
  • Approves or rejects loans exceeding the credit authority of subordinate relationship managers up to approved lending limits.

Qualifications
  • Bachelor's degree in business, finance, accounting, related field, or equivalent experience
  • Minimum 10 years' experience managing a commercial loan portfolio with a proven track record in sales ability/aptitude and business development
  • Knowledge of pricing models as it relates to profitability of lending unit
  • Fully developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
  • Knowledge of sales principles
  • Detailed knowledge of credit analysis practice and procedure
  • In-depth knowledge of products and services offered by financial services institutions
  • Strong analysis, judgment, and communication (oral and written) skills
  • Should possess excellent negotiation and problem-solving skills
  • Ability to present loan commitments to executive management of customers should be attained prior to this level
  • Must possess a high level of analytical skills
  • Must possess strong, well developed interpersonal skills
  • Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and the borrower
  • Motivation and initiative are essential to this position
  • Results-oriented, flexible, and demonstrated ability to prioritize work assignments

Physical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.
Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.
Trustmark Bank does not accept unsolicited resumes from agencies and/or search firms for any job postings on this site. Resumes submitted to any Trustmark Bank employee by a third-party agency and/or search firm without a valid, written search agreement signed by Trustmark, will become the sole property of Trustmark Bank. No fee will be paid if a candidate is hired for a position as a result of an unsolicited agency or search firm referral.

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