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Credit Analyst Jobs (NOW HIRING)

Farmers State Bank

Credit Analyst

Lagrange, IN · On-site

$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 ...

Home State Bank

Credit Analyst

Jefferson, IA · On-site

If you are an experienced Credit Analyst, Home State Bank has an opportunity to join our team. The Credit Analyst position supports two key areas of loan function including Sales and Loan Production.

Apply Early

Home State Bank

Credit Analyst

Polk City, IA · On-site

If you are an experienced Credit Analyst, Home State Bank has an opportunity to join our team. The Credit Analyst position supports two key areas of loan function including Sales and Loan Production.

Apply Early

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 ...

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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.

First Horizon

Credit Analyst

Bentonville, AR · On-site

Summary The Credit Analyst position involves underwriting/analyzing commercial loans and assisting Portfolio Managers and Relationship Managers in managing customers' relationships. This position is ...

First Horizon Bank

Credit Analyst

Bentonville, AR

Summary The Credit Analyst position involves underwriting/analyzing commercial loans and assisting Portfolio Managers and Relationship Managers in managing customers' relationships. This position is ...

Home State Bank

Credit Analyst

Jefferson, IA · On-site

If you are an experienced Credit Analyst, Home State Bank has an opportunity to join our team. The Credit Analyst position supports two key areas of loan function including Sales and Loan Production.

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 ...

The Savings Bank

Credit Analyst

Wakefield, MA

$79K - $100K/yr

The Credit Analyst Officer supports the Bank's Commercial Lending team by analyzing financial information and credit data for new and existing commercial loan customers. This role is critical in ...

Home State Bank

Credit Analyst

Polk City, IA · On-site

If you are an experienced Credit Analyst, Home State Bank has an opportunity to join our team. The Credit Analyst position supports two key areas of loan function including Sales and Loan Production.

The National Bank of Blacksburg

Credit Analyst

Blacksburg, VA · On-site

$41K - $54K/yr

Credit Analyst National Bank is currently seeking candidates to fill a commercial credit analysis position. In this role, the candidate will learn to analyze the financial capacity of commercial loan ...

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Credit Analyst information

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$15

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$49

How much do credit analyst jobs pay per hour?

As of Jul 2, 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 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
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What are the most commonly searched types of Credit Analyst jobs? The most popular types of Credit Analyst jobs are:
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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 1% As Needed, 53% Full Time, 43% Part Time, 2% Temporary, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.
Credit Analyst/Senior Credit Analyst

Credit Analyst/Senior Credit Analyst

Western Ag Credit

Spanish Fork, UT • On-site

Other

Posted 19 days ago

Job description

POSITION: Credit Analyst / Senior Credit Analyst

LOCATION: Spanish Fork, Utah

COMPENSATION:

Salary Range: Depending on education and experience, plus up to 15% additional performance based variable incentive compensation. Comprehensive benefits package also provided.

RESPONSIBILITY:

Completes thorough financial analyses to evaluate creditworthiness, identifies emerging trends and operational impacts, prepares comprehensive credit memoranda, and monitors loan performance across the portfolio, particularly related to large and complex loans, including agribusiness loans. Monitors the maintenance of accurate loan file documentation. Ensures accurate reporting and compliance with Association policies and procedures. Collaborates with relationship managers to recommend or approve/deny loans within delegated authority, prepare recommendations for committee review, and address legal or title issues as needed. Provides training to junior analysts, supports team projects, and may conduct collateral evaluations. Additional duties as assigned.

QUALIFICATIONS:

BA/BS degree with emphasis in accounting, agriculture, or business required.

Will consider an entry level candidate, prefer minimum of three (3) years of agricultural credit, accounting or financial reporting experience required.

Demonstrates advanced analytical and financial analysis capabilities, enabling effective assessment of creditworthiness. Possesses comprehensive knowledge of financial accounting and financial statements, including proficiency in complex consolidations, tax return evaluations, global cash flow analysis, and reconciliations.

Working knowledge and understanding of Farm Credit regulations preferred.

Strong knowledge of agriculture, accounting, business law and economics.

Applicants must have ability to interact effectively with people at all levels of the organization and to convey ideas clearly. Skills in planning and organization. Must be self-motivated with a good work ethic. Ability to exercise initiative and judgment.

Must be proficient in the use of computers and the Microsoft Office suite of software products (i.e. Excel, Word, Windows, etc.)

GENERAL DATA:

For over 100 years, the Association has been providing agricultural lending services to borrowers in Utah and portions of Wyoming, Nevada and Arizona.

FINAL FILING DATE: Applications will be accepted until the position is filled.

If you have any questions or need additional information please call (801) 571-9200.

Date: June 10, 2026

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

EEO/AA Employer M/F/V/D

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