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Credit Analyst Jobs in Silver Spring, MD (NOW HIRING)

John Marshall Bank

Credit Analyst

Reston, VA · On-site

$85K - $115K/yr

John Marshall Bank is looking for an experienced Credit Analyst to join our Credit Underwriting team in our Reston Headquarters. In this role you will: * Oversee the review of financial, collateral ...

JOHN MARSHALL BANCORP INC

Credit Analyst

Reston, VA · On-site

$85K - $115K/yr

John Marshall Bank is looking for an experienced Credit Analyst to join our Credit Underwriting team in our Reston Headquarters. In this role you will: * Oversee the review of financial, collateral ...

John Marshall Bank

Credit Analyst

Reston, VA · On-site

$85K - $115K/yr

Description John Marshall Bank is looking for an experienced Credit Analyst to join our Credit Underwriting team in our Reston Headquarters. In this role you will: * Oversee the review of financial ...

POTOMAC BANK INC

Credit Analyst

Ashburn, VA · On-site

SUMMARY Analyzes credit worthiness and credit risk of commercial borrowers, including review of financial statements and cash flow analysis. Monitors the quality of various commercial loans and ...

POTOMAC BANK INC

Credit Analyst

Ashburn, VA · On-site

SUMMARY Analyzes credit worthiness and credit risk of commercial borrowers, including review of financial statements and cash flow analysis. Monitors the quality of various commercial loans and ...

Sysco Corporation

Credit Analyst

Landover, MD · On-site

$55K - $82K/yr

Manages credit hold policy, reviewing customer account status, payment and collections. * Provides ... Strong financial analysis skills. * Proficient in Microsoft Office and ERP systems. * Proficient ...

Western Alliance Bank

Senior Credit Analyst

Reston, VA

$36.74 - $45.38/hr

Senior Credit Analyst Location: Austin, TX What you'll do: As a Senior Credit Analyst you'll be primarily responsible to spread, manage and maintain financial background information on present and ...

M&T Bank

Commercial Credit Analyst CRE

Baltimore, MD · 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 ...

T Rowe Price

High Yield Credit Analyst

Baltimore, MD · Hybrid

A Role Summary The High Yield Credit Analyst will be responsible for the credit coverage of a few major sectors and multiple individual company positions.A The individual will research new issues and ...

M&T Bank

Commercial Credit Analyst CRE

Baltimore, MD

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 ...

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All JobsCredit Analyst JobsCredit Analyst Jobs in Silver Spring, MD

Credit Analyst information

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How much do credit analyst jobs pay per hour?

As of Jul 20, 2026, the average hourly pay for credit analyst in Silver Spring, MD is $30.94, according to ZipRecruiter salary data. Most workers in this role earn between $23.85 and $34.81 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 understanding complex financial situations, which are less easily replaced by AI. Therefore, AI is more likely to augment rather than fully replace credit analysts in the near future.

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 are also important; some roles may 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 modeling and tools like spreadsheets, to help organizations make informed lending decisions. Strong analytical skills and knowledge of credit policies are essential for this role.

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.

Are credit analysts paid well?

Credit analysts typically earn competitive salaries that vary based on experience, location, and industry. 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 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 are the most commonly searched types of Credit Analyst jobs in Silver Spring, MD? The most popular types of Credit Analyst jobs in Silver Spring, MD are:
What are popular job titles related to Credit Analyst jobs in Silver Spring, MD? For Credit Analyst jobs in Silver Spring, MD, the most frequently searched job titles are:
What cities near Silver Spring, MD are hiring for Credit Analyst jobs? Cities near Silver Spring, MD with the most Credit Analyst job openings:
Credit Analyst jobs near you
Credit Analyst

Credit Analyst

John Marshall Bank

Reston, VA • On-site

$85K - $115K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 9 days ago

Job description

Description:

John Marshall Bank is looking for an experienced Credit Analyst to join our Credit Underwriting team in our Reston Headquarters.


In this role you will:

  • Oversee the review of financial, collateral, and other related documentation used to evaluate commercial loan requests to approve or deny applications for credit.
  • Participate in credit approval process; monitors adherence to loan policy, ensures accuracy of risk rating system, ensures effective evaluation and administration of collateral.
  • Be responsible for the completion of financial spreads and analysis; credit approval and memo review for loan presentations in conjunction with Commercial Bankers, all in an independent and objective manner.
  • Maintain a continuing and informative record of data from which lending officers may make fully informed loan decisions.
  • Spread and analyze, historical and projected financial statements, tax returns, and other pertinent financial information to determine overall financial performance, condition, and creditworthiness of Borrower and other obligors.
  • Review credit files for documentation and exceptions.
  • Submit periodic exception reports.
  • Engage in effective and timely communication regarding credit considerations and issues with Credit Administration and Commercial Bankers.
  • In addition to handling the normal flow of transactions, may also be assigned to handle complex transactions.
Requirements:


Required:

  • At least 2 years experience in commercial credit analysis, underwriting, and/or a formal credit training program
  • Bachelor’s Degree in accounting or finance or related field from an accredited four-year college or university
  • Sound credit and analytical skills
  • Solid understanding of balance sheets, income, and cash flow statements
  • Proficiency with Microsoft Suite including Word and Excel


Preferred:

  • Ability to learn internal bank systems and additional software applications
  • Advanced knowledge of commercial real estate, commercial and industrial, general business, asset-based, and real estate construction loans within respective economic market areas
  • Strong combination of interpersonal communication skills, analytical and decision-making skills, with the ability to make recommendations and offer solutions



Compensation for this role ranges from $85,000.00 to $115,000.00 annually, commensurate with your experience and qualifications.


At John Marshall Bank, we pride ourselves on being able to attract the best talent in the industry, therefore we offer a comprehensive benefits package which includes:

  • Medical
  • Dental
  • 401K Retirement Plan w/ an Employer Match
  • Vision
  • Employee Assistance Program
  • Flexible Spending
  • Transit Reimbursement
  • Long Term Care
  • Paid Time Off
  • Life and Disability Coverage



John Marshall Bank is an Equal Opportunity Employer



At this time, John Marshall Bank will not sponsor a new applicant for employment authorization for this position.

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