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Credit Analyst Jobs in Springfield, MO (NOW HIRING)

O'Reilly Auto Parts

Credit Analyst

Springfield, MO · On-site

Analyze and evaluate credit risk for current customers for limit increases, special financing and other requests. Establish payment plans for past due accounts. All other duties as assigned. SKILLS ...

O'Reilly Auto Parts

Credit Analyst

Springfield, MO · On-site

Analyze and evaluate credit risk for current customers for limit increases, special financing and other requests. Establish payment plans for past due accounts. All other duties as assigned. SKILLS ...

The Larson Group

Credit Specialist

Strafford, MO · On-site

Identifies accounts which present possible credit losses and informs Credit Analyst and Credit Manager. * Assists with override decisions on customers that may have exceeded their current credit ...

The Larson Group

Credit Specialist

Springfield, MO · On-site

Identifies accounts which present possible credit losses and informs Credit Analyst and Credit Manager. * Assists with override decisions on customers that may have exceeded their current credit ...

The Larson Group

Credit Specialist

Springfield, MO · On-site

Identifies accounts which present possible credit losses and informs Credit Analyst and Credit Manager. * Assists with override decisions on customers that may have exceeded their current credit ...

AGFinancial

Director of Credit

Springfield, MO · On-site

Director of Credit The Director of Credit will use analytical judgment and in-depth financial analysis to evaluate the risk and potential for loan requests ensuring sound underwriting, portfolio ...

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$27

$44

How much do credit analyst jobs pay per hour?

As of Aug 29, 2026, the average hourly pay for credit analyst in Springfield, MO is $27.22, according to ZipRecruiter salary data. Most workers in this role earn between $21.01 and $30.62 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 are the most commonly searched types of Credit Analyst jobs in Springfield, MO?

The most popular types of Credit Analyst jobs in Springfield, MO are:

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For Credit Analyst jobs in Springfield, MO, the most frequently searched job titles are:

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The top searched job categories for Credit Analyst jobs in Springfield, MO are:

What cities near Springfield, MO are hiring for Credit Analyst jobs?

Cities near Springfield, MO with the most Credit Analyst job openings:

Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in Springfield, MO as of August 2026, with employment types broken down into 94% Full Time, and 6% Part Time. Highlights an 100% In-person job distribution, with an average salary of $56,612 per year, or $27.2 per hour.

Credit Analyst

Springfield, MO • On-site

O'Reilly Auto Parts
Individual, Family and Community Social Assistance • 10K+ employees

5.2

Company rating: 5.2 out of 10

Based on 1,901 frontline employees who took The Breakroom Quiz

568th of 738 rated retailers

People enjoy working here

Recommended by students

Learn more about O'Reilly Auto Partsexternal

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 3 days ago

Job description

This position is responsible for ensuring Credit and Collections best practices are followed as directed by the Director of Credit/Collections and the Credit Management team. Excels in multi-tasking in a fast-paced work environment that includes heavy phone volume. Works with 250 or more stores with regards to company credit accounts to minimize loss to the Company incurred from past due accounts.
ESSENTIAL JOB FUNCTIONS
Delivers a high volume of phone support.
Ability to analyze and make independent decisions on customer accounts while maintaining accountability and credit and collections best practices.
Utilize the Credit Management System tool to make sure all past due accounts are addressed and the appropriate collection action is initiated, communicated, and followed.
Effective communication regarding credit and collections best practices that includes prompt responses to email and voice mail.
Analyze and evaluate credit risk for current customers for limit increases, special financing and other requests.
Establish payment plans for past due accounts.
All other duties as assigned.
SKILLS/EDUCATION/KNOWLEDGE/EXPERIENCE/ABILITIES
Required:
High school diploma or equivalent
Excellent communication/customer service skills
Ability to prioritize projects and work independently with limited supervision
Basic computer knowledge
Proficiency with basic functions of Window and Microsoft applications
Ability to multi-task in a very fast paced office environment
Desired:
Accounts receivables experience
Knowledge of O'Reilly store operations
Prior collection experience including contacting and negotiating payment arrangements with customers
O'Reilly Auto Parts has a proven track record of growth and stability. O'Reilly is full of successful career stories and believes in a strong promote-from-within philosophy, encouraging you to grow your career along with the organization.
Total Compensation Package:
  • Competitive Wages & Paid Time Off
  • Stock Purchase Plan & 401k with Employer Contributions Starting Day One
  • Medical, Dental, & Vision Insurance with Optional Flexible Spending Account (FSA)
  • Team Member Health/Wellbeing Programs
  • Tuition Educational Assistance Programs
  • Opportunities for Career Growth

O'Reilly Auto Parts is an equal opportunity employer. The Company does not discriminate on the basis of race, religion, color, national origin or ancestry (including immigration status or citizenship), sex, sexual orientation, gender identity, pregnancy (including childbirth, lactation, and related medical conditions,) age (40 and over), veteran status, uniformed service member status, physical or mental disability, genetic information (including testing or characteristics) or another protected status as defined by local, state, or federal law, as applicable.
Qualified individuals with a disability may be entitled to reasonable accommodation under the Americans with Disabilities Act. If you require a reasonable accommodation during the application or employment process, please send an email to: rar@oreillyauto.com or call (800) 471-7431 option , and provide your requested accommodation, and position details.

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