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Credit Analyst Jobs (NOW HIRING)

CB&S Bank

Credit Analyst

Birmingham, AL

GENERAL FUNCTION OF CREDIT ANALYST Responsible for spreading and analyzing financial statements of commercial customers which include calling lenders to collect additional financial information.

CB&S Bank

Credit Analyst

Birmingham, AL · On-site

GENERAL FUNCTION OF CREDIT ANALYST Responsible for spreading and analyzing financial statements of commercial customers which include calling lenders to collect additional financial information.

CB&S Bank

Credit Analyst

Birmingham, AL · On-site

GENERAL FUNCTION OF CREDIT ANALYST Responsible for spreading and analyzing financial statements of commercial customers which include calling lenders to collect additional financial information.

Bank of Pontiac

Credit Analyst

Pontiac, IL · On-site

$50K - $60K/yr

Credit Analyst Location: Pontiac, IL Department: Lending Reports to: Senior Credit Analyst Average hours per week: Hourly 35+ Required Hours Availability : Monday through Friday 8AM - 5PM Pay Range ...

Farmers State Bank

Credit Analyst

Lagrange, IN

$19.78 - $32.97/hr

Credit Analytical / Loan Review Reports to: Credit Analyst Supervisor Supervises: None Grade: 5 Summary: Assist the Credit Analyst Supervisor in providing competent credit analysis and loan review ...

Bank of Pontiac

Credit Analyst

Pontiac, IL · On-site

$50K - $60K/yr

Credit Analyst Location: Pontiac, IL Department: Lending Reports to: Senior Credit Analyst Average hours per week: Hourly 35+ Required Hours Availability : Monday through Friday 8AM - 5PM Pay Range ...

Farmers State Bank

Credit Analyst

Lagrange, IN · On-site

$19.78/hr

Credit Analytical / Loan Review Reports to: Credit Analyst Supervisor Supervises: None Grade: 5 Summary: Assist the Credit Analyst Supervisor in providing competent credit analysis and loan review ...

Fifth Third

Credit Analyst

Cincinnati, OH

The Credit Analyst is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and ...

Farm Credit

Commercial Credit Analyst

Alachua, FL · On-site

Now Hiring a Commercial Credit Analyst The Commercial Credit Analyst develops and analyzes credit information and independently prepares complete credit packages for assigned credits in accordance ...

Independent Bank

Credit Analyst

Memphis, TN · On-site

The Credit Analyst works with our Commercial Lenders and Business Bankers to serve the needs of our commercial clients. This individual will work with our Commercial Lenders to manage existing ...

Commercial Credit Group

Credit Analyst

Hartford, CT · On-site

KEF has a Credit Analyst position available in the West Hartford office. This position has visibility and interaction with senior management and offers career advancement. Position Responsibilities:

Fifth Third

Credit Analyst

Chicago, IL · On-site

The Credit Analyst is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and ...

Fifth Third Bank

Credit Analyst

Cincinnati, OH · On-site

The Credit Analyst is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and ...

STAG Industrial Inc

Credit Analyst

Boston, MA · On-site

$65K - $72K/yr

Credit Analyst Reports To: Senior Credit Associate Department: Accounting/Finance FLSA Code: Exempt Date Modified: March 2026 Job purpose Tenant credit underwriting is one of the three pillars in ...

Fifth Third

Credit Analyst

Rosemont, IL

The Credit Analyst is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and ...

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Credit Analyst information

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$15

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How much do credit analyst jobs pay per hour?

As of Jun 11, 2026, the average hourly pay for credit analyst in the United States is $29.92, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $33.65 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 are hiring for Credit Analyst jobs? Cities with the most Credit Analyst job openings:
What are the most commonly searched types of Credit Analyst jobs? The most popular types of Credit Analyst jobs are:
Who are the top companies hiring for Credit Analyst jobs? The top employers for Credit Analyst jobs are:
What states have the most Credit Analyst jobs? States with the most job openings for Credit Analyst jobs include:
What job categories do people searching Credit Analyst jobs look for? The top searched job categories for Credit Analyst jobs are:
What are popular job titles related to Credit Analyst jobs? For Credit Analyst jobs, the most frequently searched job titles are:
Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in the United States as of June 2026, with employment types broken down into 56% Full Time, 42% Part Time, and 2% Contract. Highlights an 81% Physical, 8% Hybrid, and 11% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.
Credit Analyst

Credit Analyst

CB&S Bank

Birmingham, AL

Full-time

Posted 24 days ago

Job description

GENERAL FUNCTION OF CREDIT ANALYST

Responsible for spreading and analyzing financial statements of commercial customers which include calling lenders to collect additional financial information.

MAJOR DUTIES AND RESPONSIBILITIES OF CREDIT ANALYST

   Analyst (85%)

  • Prepares credit memos
  • Works with Loan Review
  • Spreads financial information for relationships over $500,000 on a regular basis
  • Consults customers, accountants and other contacts regarding credit.
  • Prepares documentation for Officer's Loan Committee and Director's Loan Committee.
  • Prepares Credit Risk Rating and Global debt coverage's for lenders.

   Compliance (15%)

  • Complies with Regulators.
  • Continually educates on regulatory issues, including various seminars and schools.
  • Learns existing state federal regulatory.
  • Reviews loans for compliance with regulators including real estate, retail and commercial.

ADDITIONAL RESPONSIBILITIES OF CREDIT ANALYST

  • Maintains accurate department records and any other duties assigned by supervisor.

JOB QUALIFICATIONS OF CREDIT ANALYST

  • Bachelor's degree from an accredited college with a concentration in accounting/finance preferred.
  • Significant banking and lending experience may substitute for education requirement.
  • No less than one year experience in a commercial lending department or credit-related department or credit-related department of a commercial bank or other commercial lender, or four years retail banking and consumer lending experience.
  • A demonstrated ability to interact with customers, listen effectively, and to communicate complex issues both orally and in writing.

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