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Credit Investigator Jobs (NOW HIRING)

AgWest Farm Credit

Credit Underwriter

Idaho Falls, ID · On-site

$72K - $125K/yr

Accurately classify and identify appropriate charge-offs reserves, cash income accounting and allowances on assigned loans. * Assist in credit investigations on applicants including public record ...

Global Industrial

Credit Representative

Buford, GA

... investigation • Communicate with customers when other special credit requirements or advance deposits are deemed necessary • Perform other duties as required Competencies and skills • Previous ...

AgWest Farm Credit

Credit Underwriter

Imperial, CA · On-site

$72K - $110K/yr

Perform credit investigations on applicants including public record searches, credit bureau reports, employment and income verification and asset and liability verification. * Participate in loan ...

AgWest Farm Credit

Credit Underwriter

Spokane, WA · On-site

$72K - $125K/yr

Accurately classify and identify appropriate charge-offs/reserves, cash income accounting and allowances on assigned loans. * Assist in credit investigations on applicants including Public Record ...

AgWest Farm Credit

Credit Underwriter

Rocklin, CA · On-site

$83K - $144K/yr

Accurately classify and identify appropriate charge-offs/reserves, cash income accounting and allowances on assigned loans. * Assist in credit investigations on applicants including Public Record ...

Global Industrial

Credit Representative

Buford, GA · On-site

... investigation • Communicate with customers when other special credit requirements or advance deposits are deemed necessary • Perform other duties as required Competencies and skills • Previous ...

AgWest Farm Credit

Credit Underwriter

Spokane, WA · On-site

$72K - $125K/yr

Accurately classify and identify appropriate charge-offs/reserves, cash income accounting and allowances on assigned loans. * Assist in credit investigations on applicants including Public Record ...

AgWest Farm Credit

Credit Underwriter

Billings, MT · On-site

$66K - $88K/yr

Perform credit investigations on applicants including public record searches, credit bureau reports, employment and income verification and asset and liability verification. * Participate in loan ...

AgWest Farm Credit

Credit Underwriter

Rocklin, CA · On-site

$83K - $144K/yr

Accurately classify and identify appropriate charge-offs/reserves, cash income accounting and allowances on assigned loans. * Assist in credit investigations on applicants including Public Record ...

Nippon Sanso Matheson

Credit Specialist

Irving, TX · On-site

Essential Functions Ability to review credit applications and complete credit investigations to grant credit and establish limits based on thresholds Create new customers in ERP Perform analysis of ...

AgWest Farm Credit

Credit Underwriter

Idaho Falls, ID · Hybrid

$72K - $125K/yr

Accurately classify and identify appropriate charge-offs reserves, cash income accounting and allowances on assigned loans. * Assist in credit investigations on applicants including public record ...

Civista Bank

Credit Analyst Trainee

Sandusky, OH · On-site

Investigating all available sources of credit and financial information, including reporting services, credit bureaus, other companies, bank references, and in-house credit information. * Spreading ...

Civista Bank

Credit Analyst Trainee

Sandusky, OH · On-site

Investigating all available sources of credit and financial information, including reporting services, credit bureaus, other companies, bank references, and in-house credit information. * Spreading ...

Civista Bank

Credit Analyst Trainee

Sandusky, OH

Investigating all available sources of credit and financial information, including reporting services, credit bureaus, other companies, bank references, and in-house credit information. * Spreading ...

Global Industrial

Credit Representative

Buford, GA

... investigation • Communicate with customers when other special credit requirements or advance deposits are deemed necessary • Perform other duties as required Competencies and skills • Previous ...

Global Industrial

Credit Representative

Buford, GA · On-site

... investigation • Communicate with customers when other special credit requirements or advance deposits are deemed necessary • Perform other duties as required Competencies and skills • Previous ...

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Credit Investigator information

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How much do credit investigator jobs pay per hour?

As of Aug 1, 2026, the average hourly pay for credit investigator in the United States is $18.13, according to ZipRecruiter salary data. Most workers in this role earn between $17.07 and $18.27 per hour, depending on experience, location, and employer.

What does a Credit Investigator do?

A Credit Investigator is responsible for evaluating the creditworthiness of individuals or businesses applying for loans or credit. They gather and analyze financial information, verify applicant data, review credit histories, and assess the risk associated with extending credit. Their work helps financial institutions make informed decisions about approving or denying credit applications, reducing the risk of financial loss. Credit Investigators may also communicate directly with applicants to clarify information and ensure all documentation is accurate and complete.

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

To thrive as a Credit Investigator, you need a solid understanding of financial analysis, credit risk assessment, and relevant regulatory standards, often supported by a degree in finance, accounting, or a related field. Familiarity with credit reporting systems, financial databases, and tools like Excel or credit bureau platforms is essential. Strong attention to detail, analytical thinking, and effective communication skills help you gather information and present findings clearly. These abilities are vital for accurately assessing creditworthiness, minimizing risk, and supporting sound lending decisions.

What are some common challenges faced by Credit Investigators when verifying applicant information?

Credit Investigators often encounter challenges such as incomplete or inconsistent applicant information, difficulty in verifying employment or income details, and obtaining timely responses from references or institutions. Navigating privacy laws and maintaining compliance with credit reporting regulations adds another layer of complexity. Building strong communication skills and attention to detail are essential for overcoming these obstacles and ensuring accurate credit assessments.

What Is a Credit Investigator?

Credit Investigators examines the credit history of applicants for financial institutions. They scrutinize the information provided by the customer in the loan application, researching past payment records, pulling credit reports, and calculating loan-to-income ratios to determine whether or not to approve the loan. Some companies hire credit investigators to run financial background checks on prospective employees, especially for positions that handle large amounts of money.

More about Credit Investigator jobs
What cities are hiring for Credit Investigator jobs? Cities with the most Credit Investigator job openings:
What states have the most Credit Investigator jobs? States with the most job openings for Credit Investigator jobs include:
What are popular job titles related to Credit Investigator jobs? For Credit Investigator jobs, the most frequently searched job titles are:
Credit Investigator jobs near you
Infographic showing various Credit Investigator job openings in the United States as of July 2026, with employment types broken down into 86% Full Time, and 14% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $37,706 per year, or $18.1 per hour.

Credit Underwriter

AgWest Farm Credit

Idaho Falls, ID • On-site

$72K - $125K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 11 days ago

Job description

AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100+ year-old Farm Credit System - the leading provider of credit to American agriculture.
AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society. We serve customers in 59 locations throughout the West.
We are in search of a Credit Underwriter I, II, or III (internally known as Credit Analyst) to join our Idaho Lending and Insurance department in Idaho Falls. This full-time position reports to the VP, Credit and providing sound, constructive credit and related services, typically supporting a portfolio of simple to moderately complex credit relationships.
Compensation Information
The base salary range for this position in Idaho Falls, Idaho is:
Level I:
Typical starting range: $60,000 - $80,300
Full base salary range: $60,000 - $90,400
Annual performance-based incentive target is 10% of base.
Level II:
Typical starting range: $66,200 - $88,700
Full base salary range: $66,200 - $99,900
Annual performance-based incentive target is 12% of base.
Level III:
Typical starting range: $72,600 - $99,900
Full base salary range: $72,600 - $125,200
Annual performance-based incentive target is 15% of base.
*Relocation assistance will be provided to eligible candidates who must relocate to accept this position.
Essential Duties
  • Gather financial and business-related information from customers, prospects and other available resources through personal interviews, phone interviews, and other information resources.
  • Analyze basic financial statements, including opinions and notes, tax records, "in house" prepared financial statements and pro forma statements.
  • Prepare credit analysis and make recommendations to appropriate management for review.
  • Comply with documentation expectations, procedures, laws and regulations.
  • Support customer relationships through marketing and servicing financially related products by communicating with customers, their professional representatives and employees at the branch office or customer locations.
  • Effectively participate in the Large Loan process as needed to provide high quality products to be delivered within the agreed time frames and within the risk parameters acceptable to the organization.
  • Complete in-person farm visits, collateral inspections and document observations including but not limited to visually inspecting the condition and valuation of loan collateral.
  • Conduct research of agricultural and related industries and commodities to determine viability, trends and opportunities for the organization to strengthen its position.
  • Establish rapport with and develop/maintain confidence of customers and prospective customers.
  • Represent the organization at public relations events by joining or actively supporting appropriate agricultural organizations, civic groups or commodity groups and actively participating in sponsored events and programs.
  • Accurately classify and identify appropriate charge-offs reserves, cash income accounting and allowances on assigned loans.
  • Assist in credit investigations on applicants including public record searches, credit bureau reports, employment and income verification and asset and liability verification.
  • Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer.
  • Ensure effective and accurate credit administration through coordination with relationship managers and others.
  • Participate in assigned industry teams or industry task forces as needed; assist teams with detailed industry studies and the organization of industry specific customer educational events.
  • Effectively work with customers and collaborate with other teams to make referrals and cross-sell products, to meet customer needs.
  • Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.
  • Other duties as assigned.

Travel Requirements
  • AgWest employees may occasionally be asked to travel for all-staff or team meetings not included in the standard travel requirements for the role

Minimum Qualifications
  • Bachelor's degree in business or ag-related field, or an equivalent combination of education and experience

Preferred Qualifications
  • Knowledge of loan programs and financially related services
  • Knowledge of agricultural practices

Workplace Flexibility
  • After an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend.
  • This position is eligible for coordinated hybrid flexibility.

Benefits Offered by AgWest
  • Medical, dental, and vision insurance
  • Basic term life and AD&D insurance (fully paid for by the company)
  • Paid days off annually: 15 vacation*, 15 sick, 12 holidays and 3 volunteer
  • 401(k) plan (6% match plus 3% employer contribution)
  • Employee Assistance Program
  • Wellness Program
  • Jeans are welcome at work every day at AgWest!

*Vacation accrual rates increase with tenure.
Details about insurance and retirement benefits are available at: https://www.farmcreditfoundations.com/fcfbenefits
#LI-Hybrid #LI-Onsite
Job level and starting annual salary will be based on a variety of factors including but not limited to experience, education, certifications/licensure, internal equity, location, business needs and market demands. The listed compensation and benefits information is accurate as of the posting date. AgWest reserves the right to adjust compensation for all positions and modify or discontinue benefits programs at its sole discretion, subject to applicable law.
Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender orientation, national origin, marital status, age, disability, protected veteran status, or any other classification protected by law.
When you apply for a position with AgWest Farm Credit, we collect personal identifiers (from your resume and other application information you submit), such as your name, email address, mailing address, telephone number(s) and employment and education related information. This helps us evaluate job applicants for hiring opportunities, and, communicate with them.
To comply with federal regulations for equal employment opportunity and affirmative action (EEO/AA), we track our applicants by gender, race/ethnicity, veteran status, disability status, and the position for which they applied. You will be presented with a voluntary self-identification form as part of this application; we wanted you to know why we collect this information and what we do with it. Please be aware that this information is kept separate from your application, and not utilized in the selection process.
For more information about the information AgWest Farm Credit collects, please see the AgWest Farm Credit California Privacy Policy.

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