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Credit Analyst Jobs in Rutherford, NJ (NOW HIRING)

Parker Group Inc

Senior Credit Analyst

Manhattan, NY · On-site

$90 - $130/hr

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 ...

DHD Consulting

AR & Credit Analyst

Teaneck, NJ

Position Summary The Credit & AR Analyst is responsible for managing customer accounts, monitoring accounts receivable, evaluating customer creditworthiness and supporting the company's cash flow ...

Generate Capital

Analyst, Credit

New York, NY · On-site

$110K - $125K/yr

The Credit Analyst will play an integral role across the investment lifecycle, from initial screening and underwriting through transaction execution and ongoing portfolio management. This Analyst ...

New

US Bank

Credit Analyst

New York, NY

The Project Analyst conducts detailed reviews of property-related documentation, including homeowner association (HOA) financial statements, board documents, insurance policies, litigation records ...

M&T Bank

Commercial Credit Analyst

Paramus, NJ

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 ...

M&T Bank

Commercial Credit Analyst

New York, NY

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 ...

New

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 ...

M&T Bank

Commercial Credit Analyst

Manhattan, NY · 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 ...

New

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 ...

US Bank

Credit Analyst

Edison, NJ

The Project Analyst conducts detailed reviews of property-related documentation, including homeowner association (HOA) financial statements, board documents, insurance policies, litigation records ...

US Bank

Credit Analyst

Hackensack, NJ

The Project Analyst conducts detailed reviews of property-related documentation, including homeowner association (HOA) financial statements, board documents, insurance policies, litigation records ...

altbanq

Junior Credit Analyst

New York, NY · On-site

$65K - $85K/yr

Junior Credit Analyst Altbanq | Midtown Manhattan (On-Site) The Junior Credit Analyst at Altbanq is a key member of our credit team. You'll work closely with experienced underwriters and the Chief ...

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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 Aug 19, 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.

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.
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Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in Rutherford, NJ as of August 2026, with employment types broken down into 84% Full Time, 15% Part Time, and 1% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $63,452 per year, or $30.5 per hour.

Senior Credit Analyst, RMBS

Morningstar Credit Ratings, LLC

Manhattan, NY • On-site

$180.11 - $228/hr

Other

Medical, Retirement, PTO

Posted yesterday

New

Job description

Senior Credit Analyst, RMBS – New York, NY

As a Senior Credit Analyst at Morningstar DBRS, you will serve as a lead analyst on structured finance transactions, conducting analysis of collateral, deal structures, legal issues, and credit risks associated with residential mortgage‑backed securities. You will collaborate with rating committees, technology teams, external stakeholders, and internal colleagues to deliver robust credit ratings and strategic insights.

Responsibilities
  • Lead analysis on structured finance transactions with minimal supervision.
  • Present findings to rating committees and senior staff.
  • Test cash flows and perform scenario and sensitivity analyses.
  • Analyze collateral, deal structures, legal aspects, and underwriting guidelines.
  • Identify key credit issues during the new issue rating process.
  • Coordinate with technology teams to improve processes and models.
  • Develop criteria and enhance structured finance models.
  • Produce and publish industry commentaries and newsletters.
  • Participate in meetings with bankers, investors, and originators.
  • Maintain relationships with external stakeholders.
  • Represent the organization at industry conferences and panels.
Qualifications
  • Bachelor's degree in Finance, Accounting, Commerce, Math, Economics, Computer Science, Engineering, or a related field (or equivalent combination of education, training, and experience).
  • Minimum 5 years of experience in structured finance credit analysis.
  • Experience with RMBS transactions backed by fix‑and‑flip, non‑QM, prime jumbo QM, GSE‑CRT, MILN, HELOC, and other residential mortgage loans.
  • Proficiency in fixed‑income analytical systems such as Intex (Dealmaker, Calc) and Bloomberg.
  • Strong understanding of credit and legal aspects of structured finance.
  • Experience performing transaction analysis including collateral review and deal structure assessment.
  • Advanced skills in Microsoft Excel and Office applications.
  • Quantitative and analytical skills, with experience in VBA, Python, or another programming language.
  • Ability to produce and publish industry commentaries and newsletters.
  • Unrestricted right to work in the U.S. and willingness to travel within the USA (no more than 10 days per year).
Compensation & Benefits

Salary: $180,107 – $228,000.

Benefits include 100% 401(k) match up to 6% of salary, company‑provided health insurance, paid time off (including paid sabbatical, family caregiving leave, parental leave, adoption assistance), wellness programs, leadership coaching, tuition reimbursement, and more.

Remote Work

Remote work requests will be considered in line with the company's remote‑work policy.

Equal Employment Opportunity

Morningstar is an equal opportunity employer. We make all employment decisions—including recruitment, hiring, compensation, training, promotion, transfer, discipline, termination, and other personnel matters—without regard to race, color, ancestry, religion, sex, national origin, age, disability, protected veteran status, marital status, sexual orientation, genetic information, citizenship, gender identity and expression, parental status, or other legally protected characteristics.

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