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Credit Analyst Jobs in Rutherford, NJ (NOW HIRING)

altbanq

Senior Credit Analyst

Manhattan, NY · On-site

$100K - $150K/yr

Senior Credit Analyst Altbanq | Midtown Manhattan (On-Site) A dynamic and analytical professional who thrives in a detail-oriented, fast-paced environment. The Senior Credit Analyst at Altbanq is a ...

Naic

Credit Analyst III

New York, NY · Hybrid

$169K - $220K/yr

Perform credit analysis of assigned sectors of corporate or structured securities in a wide variety of industries toestablishappropriaterating. * Preparesappropriateand efficiently written credit ...

Parker

Credit Analyst Manager

New York, NY · On-site

$180K - $205K/yr

As a Credit Analyst Manager at Parker, you'll lead and evolve Parker's underwriting operations. You'll own credit policy, streamline processes, and help us strike the right balance between risk and ...

Parker

Senior Credit Analyst

New York, NY · On-site

$140K - $160K/yr

As a Senior Credit Analyst at Parker, you will be responsible for conducting deep credit assessments of businesses applying for our credit products. You'll combine financial analysis, pattern ...

Provident Bank

Credit Analyst IV - SBA

Iselin, NJ

The Credit Analyst IV - C&I is a senior underwriting role within the Commercial Credit Underwriting C&I Regional Department, responsible for analyzing and structuring complex commercial credit ...

Provident Bank

Credit Analyst IV - SBA

Iselin, NJ

The Credit Analyst IV - C&I is a senior underwriting role within the Commercial Credit Underwriting C&I Regional Department, responsible for analyzing and structuring complex commercial credit ...

Ascendo Resources

Senior Credit Analyst

Manhattan, NY · Hybrid

We're seeking a dynamic and analytical Senior Credit Analyst who thrives in a fast-paced, detail-oriented environment. This individual will play a key role in credit and risk assessment, partnering ...

Naic

Credit Analyst II

New York, NY · Hybrid

$128K - $195K/yr

Thisteam memberwill havewell-developed, credit and analyticalexpertisein the field of assignmentandpreformcredit analysis inassignedarea.Functionsof this roleincluderatingand analyzing a high-volume ...

M&T Bank

Commercial Credit Analyst

Paramus, NJ · On-site

Facilitate the credit needs of customers by analyzing new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending ...

Popular Bank

Sr. Credit Analyst

Manhattan, NY

$125K - $155K/yr

Commercial Credit C&I/MM/HC-NY We are looking for a Sr Credit Analyst to join our Commercial Credit Team. In this position you will be responsible for the support of quality loan origination ...

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All JobsCredit Analyst JobsCredit Analyst Jobs in Rutherford, NJ

Credit Analyst information

See Rutherford, NJ salary details

$15

$30

$49

How much do credit analyst jobs pay per hour?

As of Jun 11, 2026, the average hourly pay for credit analyst in Rutherford, NJ is $30.51, according to ZipRecruiter salary data. Most workers in this role earn between $23.51 and $34.33 per hour, depending on experience, location, and employer.

Will AI replace credit analyst?

AI can automate routine tasks such as data analysis and credit scoring for credit analysts, increasing efficiency. However, the role of a credit analyst also involves judgment, relationship management, and interpreting complex financial information, which are less likely to be fully replaced by AI in the near term.

What qualifications do you need to be a credit analyst?

A credit analyst typically needs 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 are essential; some roles may also require relevant certifications such as the CFA or credit-specific training.

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.

What exactly does a credit analyst do?

A credit analyst evaluates the creditworthiness of individuals or businesses by analyzing financial statements, credit reports, and other relevant data. They assess the risk of lending money or extending credit, often using financial software and industry standards to make informed recommendations. Their work helps lenders decide whether to approve or deny credit applications and determine appropriate loan terms.

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 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.

Do credit analysts make a lot?

Credit analysts typically earn a moderate to high salary depending on experience, industry, and location. Entry-level positions may start with lower wages, while experienced analysts with certifications like CFA or CPA can earn higher salaries, often supplemented with bonuses and benefits.

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.

More about Credit Analyst jobs
What cities near Rutherford, NJ are hiring for Credit Analyst jobs? Cities near Rutherford, NJ with the most Credit Analyst job openings:
Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in Rutherford, NJ as of June 2026, with employment types broken down into 55% Full Time, 42% Part Time, and 3% Contract. Highlights an 82% Physical, 7% Hybrid, and 11% Remote job distribution, with an average salary of $63,452 per year, or $30.5 per hour.

Senior Credit Analyst

altbanq

Manhattan, NY • On-site

$100K - $150K/yr

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 20 days ago

Job description

Senior Credit Analyst

Altbanq | Midtown Manhattan (On-Site)

A dynamic and analytical professional who thrives in a detail-oriented, fast-paced environment. The Senior Credit Analyst at Altbanq is a key player in our credit and risk assessment team, supporting the Chief Risk Officer and working closely with underwriters to ensure the quality and profitability of our loan portfolio. This role is ideal for someone who excels at financial analysis, credit evaluation, and decision-making while contributing to the development of innovative lending products.
Location: Midtown, New York City.  
Work Schedule: Fully on-site, Monday–Friday, 9:30 AM – 6:00 PM
Company Website: https://altbanq.com
Why This Role Matters
Senior Credit Analysts play a vital role in ensuring our credit decisions are both sound and strategic. By assessing credit reports, analyzing financial statements, and evaluating overall risk, they help determine loan eligibility, pricing, and terms that balance profitability with an excellent client experience. Beyond day-to-day analysis, Senior Credit Analysts contribute to the evolution of our credit models and the development of new lending products. In turn, this helps us grow responsibly, strengthen our portfolio, and stay competitive in the market.
What You’ll Do

  • Evaluate borrower credit profiles by reviewing credit reports, conducting background checks, and analyzing public records such as liens, judgments, bankruptcies, and UCC filings.
  • Analyze financial documentation including bank statements, profit and loss statements, balance sheets, accounts receivable, and tax returns to assess cash flow strength and credit risk.
  • Assess creditworthiness and recommend loan eligibility and funding amounts based on detailed cash flow and risk analysis.
  • Price loans and structure repayment terms (weekly, biweekly, or monthly) using Altbanq’s proprietary pricing framework.
  • Partner closely with the Chief Risk Officer and the credit team to review complex transactions and ensure compliance with Altbanq’s risk standards.
  • Prepare clear, well-documented credit memos that summarize analysis, risks, and recommendations for internal decision-making.
  • Engage directly with business owners and internal leadership to clarify financials, assess risk, and support informed lending decisions.
  • Monitor market trends and industry performance to identify emerging risks and lending opportunities.
  • Contribute to the development and refinement of credit policies and new lending products to support Altbanq’s growth.
What We’re Looking For
  • Bachelor’s degree in finance, accounting, economics, business administration, or a related field.
  • 2+ years of experience in credit analysis, underwriting, or a similar role, preferably in business financing or short-term loans.
  • A team player who communicates effectively with internal teams and leadership.
  • Eager to take on responsibilities, mentor junior staff, and contribute to Altbanq’s strategic goals.  
  • Proficiency in financial analysis and modeling.  
  • Advanced Excel skills and experience with Salesforce (highly preferred).
  • Familiarity with credit reports, cash flow analysis, and risk assessment tools.
  • Strong analytical and decision-making skills.  
  • Exceptional attention to detail and accuracy.  
  • Ability to work independently and manage multiple priorities in a fast-paced environment.
Compensation and Benefits
Salary Range: $100,000 - $150,000, depending on experience.
Benefits:
  •   Medical, Dental, and Vision Insurance 
  •   Life Insurance and Commuter Benefits 
  •   401(k) Retirement Plan
  •   Health Savings Account (HSA)
  •   Flexible Spending Accounts (FSA) 
  •   End-of-year discretionary performance bonus
Growth Opportunities
  • Opportunity to assume leadership responsibilities by overseeing underwriters as delegated by the Chief Risk Officer.
  • Contribute to the development of new lending products and the credit policies that support them.
  • Play a significant role in expanding Altbanq’s product offerings and market reach.

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