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Credit Examiner Jobs (NOW HIRING)

Renasant Bank

Field Examiner II

New Orleans, LA · On-site

Republic Business Credit, a subsidiary of Renasant Bank This position serves Republic Business Credit which is a subsidiary of Renasant Bank. The Asset-Based Lending (ABL) Field Examiner II role is ...

City of New York

Examiner

Manhattan, NY · On-site

$80K - $90K/yr

The Exam Development Group, within the Bureau of Examinations, is responsible for collaborating ... least 12 credits in any combination of two or more of the following course areas: tests and ...

City of New York

Examiner

Manhattan, NY

The Exam Development Group, within the Bureau of Examinations, is responsible for collaborating ... least 12 credits in any combination of two or more of the following course areas: tests and ...

City of New York

Examiner

Manhattan, NY

The Exam Development Group, within the Bureau of Examinations, is responsible for collaborating ... least 12 credits in any combination of two or more of the following course areas: tests and ...

State of Indiana

Large Bank Financial Examiner

Indianapolis, IN · Hybrid

$75K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Identify credit risks through loan review sampling. * Act as the Central Point of Contact (CPC) for complex institutions, using off-site monitoring tools and on-site examinations to identify risks ...

LGE Community Credit Union

This position applies and utilizes the credit union's loss prevention control policies, procedures ... Certified Fraud Examiner (CFE) or certification must be obtained within designated timeframe

State of Indiana

Large Bank Financial Examiner

Indianapolis, IN · On-site

$75K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Identify credit risks through loan review sampling. * Act as the Central Point of Contact (CPC) for complex institutions, using off-site monitoring tools and on-site examinations to identify risks ...

State of Georgia

Financial Examiner

Tifton, GA · On-site

$46K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

Performs credit analysis duties on examinations. * Maintains knowledge of current trends and developments, and attends training as scheduled. Applies pertinent knowledge to performance of other ...

State of Michigan

Financial Institution Examiner 9-12

Lansing, MI · Hybrid

$24.96 - $48.11/hr

  • Medical

  • Dental

  • Vision

  • Retirement

As a credit union examiner, you will generally work in teams and be responsible for monitoring and examining the condition of state-chartered credit unions in Michigan. This incorporates all aspects ...

Georgia

Financial Examiner

Tifton, GA · Hybrid

$46K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

Performs credit analysis duties on examinations. * Maintains knowledge of current trends and developments, and attends training as scheduled. Applies pertinent knowledge to performance of other ...

State of Michigan

Financial Institution Examiner 9-12

Lansing, MI · On-site +1

$24.96 - $48.11/hr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

As a credit union examiner, you will generally work in teams and be responsible for monitoring and examining the condition of state-chartered credit unions in Michigan. This incorporates all aspects ...

Aston Carter

Credit Officer

Fargo, ND

$72K - $105K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

Support credit quality initiatives, regulatory examinations, audits, and management reporting activities by providing accurate analysis and documentation. * Review and provide guidance on loan ...

Aston Carter

Credit Officer

Fargo, ND · On-site

$72K - $105K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

Support credit quality initiatives, regulatory examinations, audits, and management reporting activities by providing accurate analysis and documentation. * Review and provide guidance on loan ...

Aston Carter

Credit Officer

Grand Forks, ND

$72K - $105K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

Support credit quality initiatives, regulatory examinations, audits, and management reporting activities by providing accurate analysis and documentation. * Review and provide guidance on loan ...

New

Aston Carter

Credit Officer

Grand Forks, ND · On-site

$72K - $105K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

Support credit quality initiatives, regulatory examinations, audits, and management reporting activities by providing accurate analysis and documentation. * Review and provide guidance on loan ...

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Credit Examiner information

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$47.5K

$90.1K

$127K

How much do credit examiner jobs pay per year?

As of Aug 15, 2026, the average yearly pay for credit examiner in the United States is $90,080.00, according to ZipRecruiter salary data. Most workers in this role earn between $79,000.00 and $102,000.00 per year, depending on experience, location, and employer.

What is the difference between Credit Examiner vs Credit Analyst?

AspectCredit ExaminerCredit Analyst
Required CredentialsTypically a bachelor's degree in finance, accounting, or related field; certifications like CAMS or CPA are a plusSimilar credentials; often holds degrees in finance, economics, or accounting; certifications like CFA or CPA are common
Work EnvironmentOften employed by banks, lending institutions, or government agencies; reviews loan applications and credit filesWorks in financial institutions, credit bureaus, or corporate finance departments; analyzes credit data and financial statements
Employer & Industry UsageUsed in banking, lending, and government sectors for credit reviewCommon in banking, investment firms, and corporate finance for assessing creditworthiness

While both Credit Examiners and Credit Analysts evaluate credit data, Credit Examiners primarily review loan applications and ensure compliance, whereas Credit Analysts analyze financial statements to determine credit risk. They often work in similar environments and share qualifications, but their specific roles differ in focus and responsibilities.

What are the key skills and qualifications needed to thrive as a credit examiner, and why are they important?

To thrive as a Credit Examiner, you need strong analytical skills, attention to detail, and a solid understanding of financial principles, usually backed by a degree in finance, accounting, or a related field. Familiarity with credit analysis software, financial modeling tools, and regulatory compliance systems is typically required. Excellent communication, critical thinking, and organizational skills help you effectively assess creditworthiness and present findings. These competencies ensure accurate risk assessments and contribute to sound lending decisions and financial stability.

What are some common challenges faced by credit examiners in their day-to-day work?

Credit Examiners often face the challenge of balancing thorough risk assessment with the need to process applications efficiently. They must analyze complex financial documents and sometimes encounter incomplete or inconsistent information, requiring strong attention to detail and critical thinking. Additionally, they regularly collaborate with loan officers and underwriters to clarify applicant details or resolve discrepancies, making effective communication skills essential. Adapting to changing regulations and credit policies is also a key part of staying successful in this role.

What is a credit examiner?

Credit Examiners are financial professionals who evaluate the creditworthiness of individuals or businesses applying for loans or credit. They review financial statements, credit reports, and payment histories to assess the risk of lending money or extending credit. Their analysis helps lenders make informed decisions and minimize the risk of financial loss due to defaults. Credit Examiners often work for banks, credit unions, or other financial institutions, and must follow regulations and company policies regarding lending practices.
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Cities with the most Credit Examiner job openings:

What states have the most Credit Examiner jobs?

States with the most job openings for Credit Examiner jobs include:

What job categories do people searching Credit Examiner jobs look for?

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Credit Examiner jobs near you
Infographic showing various Credit Examiner job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 82% Full Time, 16% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $90,080 per year, or $43.3 per hour.

Field Examiner II

Renasant Bank

New Orleans, LA • On-site

Other

Re-posted 16 days ago

Renasant Bank rating

6.0

Company rating: 6.0 out of 10

Based on 12 frontline employees who took The Breakroom Quiz

152nd of 171 rated banks

Job description

Overview
Employer: Republic Business Credit, a subsidiary of Renasant Bank
This position serves Republic Business Credit which is a subsidiary of Renasant Bank. The Asset-Based Lending (ABL) Field Examiner II role is responsible for conducting on-site evaluations of current and potential borrower financial records and operations. This role is crucial for verifying the existence, eligibility, and accurate valuation of collateral (primarily accounts receivable and inventory), identifying potential risks, and ensuring compliance within RBC's lending agreements and credit policies. The Field Examiner II is expected to own examinations end-to-end, from scoping and fieldwork planning through execution and delivery of the final report, with minimal supervision, exercising sound professional judgment throughout. The Field Examiner II is assigned to the Company's more complex engagements, including new business surveys (initial examinations), inventory-intensive borrowers, larger commitments, and watchlist or problem credits. The Field Examiner II will independently prepare comprehensive reports with key findings and recommendations, directly contributing to sound lending decisions and effective risk mitigation for our financial institution. The individual in this position will also serve as a professional ambassador for Republic Business Credit while in the field.
Location listed is preferred office location but other locations within the Republic Business Credit footprint may be considered based upon convenience and business necessity.
REPUBLIC BUSINESS CREDIT AND RENASANT BANK ARE EQUAL OPPORTUNITY EMPLOYERS
Responsibilities
Travel Requirements
  • Examinations may take place fully onsite at Borrower locations or in a hybrid on-site/remote environment. This position requires a valid driver's license and the ability to travel between 30% to 50% of the time, reflecting the need for on-site examinations and interactions with clients. Overnight travel is required on a regular basis.

Core Examination & Analysis
  • Conduct On-Site and Remote Field Examinations: Independently plan, scope, and execute in-depth evaluations of a borrower's financial records, collateral (primarily accounts receivable and inventory), and operational practices, serving as the examiner of record from kickoff through final report issuance without day-to-day supervision, with a focus on complex engagements such as new business surveys (initial exams), inventory-intensive collateral, larger commitments, and problem credits.
  • Collateral Verification: Physically inspect and verify the existence, location, and condition of pledged collateral (e.g., inventory counts, review of shipping documents for receivables).
  • Accounts Receivable Analysis: Review accounts receivable aging reports to assess collectability, identify concentrations, and determine eligible collateral. Analyze sales, cash receipts, credit memos, and returns to calculate dilution and evaluate trends. Confirm the validity and existence of receivables through customer confirmations or other verification methods.
  • Inventory Analysis: Assess the quality, obsolescence, and marketability of inventory. Perform test counts and reconcile physical inventory to book records. Evaluate inventory valuation methodologies (e.g., FIFO, LIFO, average cost). Review inventory turnover and identify slow-moving or obsolete items. Verify inventory locations and ensure proper insurance coverage.
  • Financial Statement Analysis: Conduct in-depth analysis of financial statements (balance sheets, income statements, cash flow statements) to identify credit risks, trends, and deteriorating financial situations.
  • Borrowing Base Certificate (BBC) Validation: Reconcile and validate the accuracy of the borrower's submitted borrowing base certificate against their books and records and the loan agreement's eligibility criteria.
  • Internal Control Assessment: Evaluate the borrower's internal accounting systems, procedures, and financial reporting processes to assess their reliability, accuracy, and adherence to sound business practices.
  • Identify Risks and Red Flags: Proactively identify potential risks such as fraud indicators, operational inefficiencies, accounting irregularities, unrecorded liabilities (e.g., tax liens, payroll taxes), and compliance breaches.
  • Review of Other Assets/Liabilities: Review fixed assets, accounts payable, taxes (sales, payroll), and other liabilities that could impact the collateral or the borrower's financial health.
  • Loan Agreement Compliance: Ensure the borrower's operations and reporting are in compliance with the terms and covenants of the loan agreement.

Reporting & Communication
  • Prepare Comprehensive Reports: Create detailed, clear, and concise written reports summarizing examination findings, highlighting key issues, risks, and recommendations.
  • Develop Executive Summaries: Craft executive summaries that provide a high-level overview of the examination results for senior management and credit teams.
  • Propose Recommendations: Suggest appropriate formula advance rates, reserves, and ongoing monitoring strategies based on examination findings.
  • Communicate Findings: Effectively communicate significant exam findings, concerns, and recommendations to lenders, credit personnel, and management both verbally and in writing.
  • Client Interaction: Professionally interact with borrower management and staff to gather information, clarify discrepancies, and discuss findings. This role represents the Company in the field and always requires professional behavior.

Operational & Professional Development
  • Maintain Professionalism: Represent the lending institution with the highest level of professionalism, integrity, and ethical conduct during all client interactions.
  • Utilize Technology: Proficiently use data analysis tools, Microsoft Excel, Word, PowerPoint, Outlook, and potentially specialized audit or data mining software.
  • Problem Solving: Demonstrate strong analytical and problem-solving skills to identify, investigate, and resolve complex financial and operational issues.
  • Continuous Learning: Stay informed about industry trends, accounting standards (GAAP), and ABL best practices.
  • Mentoring/Training: Actively train and mentor Field Examiner I staff, including reviewing their workpapers and providing on-the-job guidance during joint examinations; may lead complex examinations and participate in strategic planning.
  • Perform other related duties as needed to support the business as required.
  • Work in the office as scheduled or otherwise required by their direct manager, which is expected to be a minimum of three days a week, Tuesday through Thursday, and as business needs arise.

Qualifications
  • Bachelor's degree or equivalent work experience
  • 3+ years of ABL experience, commercial lending, audit, or accounting experience
  • Advanced communication skills
  • Advanced organizational skills
  • Advanced understanding of accounting
  • CFE, CPA, or progress toward either designation is preferred
  • Advanced Microsoft Excel skills
  • Excellent verbal and written communication skills
  • Excellent attention to detail
  • Ability to manage complex examinations independently from planning through final report, exercising sound judgment with minimal supervision, while also collaborating effectively in a team environment
  • Ability to handle clients in a robust but professional manner
  • Ability to meet deadlines, manage expectations, and handle multiple priorities simultaneously
  • Ability to work with a computer and browser-based platforms as well as various software including but not limited to Word, Excel, Google Sheets, Adobe, Zoom, and Teams
  • Advanced Problem-solving and analytical skills and with the ability to recommend appropriate solutions
  • Ability and willingness to travel by various means as required to fulfill the duties of the role

Physical Demands
The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and /or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.
Work Environment
The Bank's professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times.
The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. The principal duties and responsibilities enumerated are all essential job functions except for those that begin with the word "May".
This job description is intended to describe the normal level of work required by the person performing the work. The principle duties outlined are the essential responsibilities and duties. Other duties may be assigned as needs arise. Job requirements and/or processes may be modified to reasonably accommodate persons with a disability as required by law.
This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description.

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