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Credit Analyst Jobs (NOW HIRING)

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 ...

BizTek People, Inc.

Credit Analyst

Manhattan, NY · On-site

\n \n \n Credit Analyst will be responsible for the portfolio management. Responsibilities include: Performing due diligence and regularly scheduling credit reviews Analyzing credit risk Preparing ...

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:

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 ...

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 ...

Farm Credit

Commercial Credit Analyst

Alachua, FL

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 ...

Hancock Whitney Bank

Credit Analyst

Lafayette, LA · On-site

The Credit Analyst supports Credit Analysis in maintaining credit quality by preparing detailed credit analyses, providing support for the underwriting of commercial loan requests, analyzing data for ...

Minnesota Lakes Bank

Be Seen First

Credit Analyst

Delano, MN · On-site

$50K - $75K/yr

The Credit Analyst position also furnishes information in relation to credit inquiries and provides assistance to loan officers as requested. Key Responsibilities: Spread Financial Statements for ...

Octus

Credit Analyst

New York, NY · Hybrid

We are looking for a credit analyst who is keen to work on the leverage loan situations across the credit lifecycle, mainly primary analysis of loans in the broadly syndicated loan market in the US.

Capital Bank

Credit Analyst

Houston, TX · On-site

This position is responsible for providing analytical support to the lending officers in the analysis of credit worthiness and risk for the Bank. Requirements include: * Bachelor's degree in ...

Maxxis International - USA

Credit Analyst

Suwanee, GA · On-site

This role is responsible for performing in-depth credit analysis, managing accounts receivable processes, and ensuring compliance with credit and collections procedures. We are currently working a ...

dfb

Credit Analyst

Dearborn, MI · On-site

As a Credit Analyst, you will evaluate loan requests and financial information to support informed lending decisions while helping maintain portfolio quality and regulatory compliance. This role is ...

Cornhusker Bank

Credit Analyst

Lincoln, NE

The Credit Analyst is responsible for the review of all credit documentation pertaining to loans, including analyzing financial statements and periodic review of credit quality. ESSENTIAL DUTIES: · ...

dfb

Credit Analyst

Dearborn, MI · On-site

As a Credit Analyst, you will evaluate loan requests and financial information to support informed lending decisions while helping maintain portfolio quality and regulatory compliance. This role is ...

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Credit Analyst information

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$15

$29

$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
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 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

Credit Analyst

Ballston Spa National Bank

Ballston Spa, NY • On-site

$56K - $85K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

This job post has expired today. Applications are no longer accepted.

Job description

Invest in your future with BSNB! Are you looking to advance your Credit career with a nationally recognized community bank that is named one of the Best Places to Work? Ballston Spa National Bank (BSNB) is looking to hire a Credit Analyst to join our Credit Administration Team.

How do we invest in you? This position earns competitive pay. We also offer great benefits, including medical, dental, vision, a 401(k) plan with a company match, a pension plan, 11 paid holidays, generous paid time off (PTO), company-paid life insurance, voluntary insurances, and more. If this sounds like the right opportunity for you, join our close-knit team today!

A DAY IN THE LIFE OF THE CREDIT ANALYST: As a Credit Analyst, you will be responsible for underwriting loan requests and assessing credit risk by utilizing the client's business plan, financial statements, and related materials provided in conformity with standard financial reporting requirements and BSNB's lending policies. You will work closely with BSNB's Commercial Lending team and communicate with clients to obtain such materials in preparation of loan approval memoranda and credit file updates. In addition, you will be responsible for construction loan monitoring and appraisal reviews.

QUALIFICATIONS OF THE CREDIT ANALYST: The ideal candidate will have a minimum of 5 years' Commercial Credit Analyst experience coupled with the highest levels of customer service and follow-through. A proven track record of process analysis and a proactive approach to problem solving; good analytical skills and a high level of attention to detail required. Bachelor's degree in Business, Finance or related field required.

OUR INVESTMENT IN YOU

BSNB offers a generous compensation and benefits package. This includes medical, dental, vision, company-paid life insurance, voluntary insurance, both a 401k) plan with a company match and a pension plan, and tuition reimbursement.

We invest in you with a generous paid time off package along with 11 paid holidays. We believe providing a work-life balance is key to your success and investing in your professional development is key to your growth and satisfaction.

ABOUT BALLSTON SPA NATIONAL BANK (BSNB) Established in 1838, we are proud to provide financial solutions to businesses, individuals and families located in the greater Capital Region and beyond. Thirteen full-service banking offices coupled with digital banking services provide products and services geared towards meeting the needs of the markets we serve. As a community-minded financial institution, we make giving back and volunteer work a priority. BSNB provides all employees and applicants an equal employment opportunity in the manner required by law in all aspects of employment regardless of race, color, religion, creed, national origin, age, sex, sexual orientation, gender identity or expression, marital status, military status, disability, predisposing genetic characteristics, domestic violence victim status or any other status protected by local, state, or federal law. BSNB is a VEVRAA employer and has a desire for priority referrals of protected veterans. We thank all applicants for their interest and will contact those candidates who are under consideration.


Job Posted by ApplicantPro