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

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Credit Manager

Baltimore, MD · On-site

$80K - $120K/yr

Analyze financial statements, cash flow, and credit risk for commercial customers. * Manage a portfolio of accounts and make credit recommendations based on financial data and third-party reporting.

Procession Systems

4223 Credit Associate

Mclean, VA · On-site

Conduct thorough credit analysis and risk assessments for financing, including financial statement analysis, cash flow modeling and analysis, pro forma modeling and analysis, and industry analysis ...

John Marshall Bank

Credit Administration Manager

Reston, VA · On-site

$165K - $195K/yr

Lead the preparation and analysis of CRE Concentration Reports * Market Intelligence: Leverage ... Credit Risk Stress Testing * Bottom-Up Testing, Top-Down Modeling & Risk Identification: Audit CRE ...

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Credit Analyst information

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How much do credit analyst jobs pay per hour?

As of Aug 12, 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.

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 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.

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 job categories do people searching Credit Analyst jobs in Silver Spring, MD look for? The top searched job categories for Credit Analyst jobs in Silver Spring, MD 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
Infographic showing various Credit Analyst job openings in Silver Spring, MD as of August 2026, with employment types broken down into 90% Full Time, 4% Part Time, 2% Temporary, and 4% Contract. Highlights an 92% In-person, 2% Hybrid, and 6% Remote job distribution, with an average salary of $64,345 per year, or $30.9 per hour.

Commercial Credit Analyst, CRE

M&T Bank

Falls Church, VA • On-site

Full-time

Re-posted 14 days ago

M&T Bank rating

7.9

Company rating: 7.9 out of 10

Based on 186 frontline employees who took The Breakroom Quiz

80th of 171 rated banks

Job description

Overview:
A member of the Commercial Credit team that partners with senior team members supporting the duties of underwriting and the on-going monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients.
Primary Responsibilities:
  • 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 adding or removing conditions.
  • Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
  • Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information.
  • Analyze financial information and related materials and complete the credit analyses for the Bank's commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals.
  • Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case.
  • As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest.
  • Partner proactively with relationship managers (RM) and be intimately involved throughout the credit process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits.
  • Spread financial statements and prepare financial / projection models designed to sensitize various conditions impacting the proposed transaction. Prepare cash flow, collateral schedules, covenant sensitivity calculations, and guarantor statement analysis as appropriate.
  • Enter complete and accurate data into Bank systems in support of underwriting and portfolio management activities.
  • Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating.
  • Present analysis or address questions during credit request discussions or committee presentations.
  • Assist in monitoring credit policy compliance by verifying adherence to the Commercial Credit Policy and commenting on any risk associated with non-compliance.
  • Understand and adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
  • Promote an environment that supports belonging and reflects the M&T Bank brand.
  • Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
  • Complete other duties as assigned.

Scope of Responsibilities:
Commercial Credit is responsible for the credit delivery of the Bank's commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
Contacts are primarily internal such as credit officers and other bank personnel.
The position interacts with commercial banking relationship managers throughout the bank's footprint and industry verticals.
Customer interaction is expected.
Works independently under general supervision.
Supervisory/Managerial Responsibilities:
N/A
Education and Experience Required:
Bachelor's degree in Accounting, Finance, Economics or related field and a minimum of one year's work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis, or in lieu of a degree, a combined minimum of 5 years' higher education and/or work experience, including of one year work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
Strong verbal and written communication skills.
Strong analytical ability.
Critical thinking and problem-solving abilities.
Attention to detail with a high level of accuracy.
Strong organizational and time management skills.
Ability to work independently and as a part of a team.
Customer focused with strong interpersonal skills.
Proficiency with Microsoft Office.
Education and Experience Preferred:
Experience with Capital IQ, FactSet, and Bloomberg.
Experience with nCino.
Experience underwriting commercial real estate deals.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $72,200.00 - $120,300.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
Falls Church, Virginia, United States of America

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