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Credit Investigator Jobs (NOW HIRING)

Huntington

Credit Coordinator

Hagerstown, MD · On-site +1

$49K - $92K/yr

Conduct initial credit investigations on merchant applications, including review of business and personal credit reports, financial documentation, public records, and business validation information.

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 ...

Huntington

Credit Coordinator

Hagerstown, MD · On-site +1

Conduct initial credit investigations on merchant applications, including review of business and personal credit reports, financial documentation, public records, and business validation information.

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 ...

Huntington

Credit Coordinator

Hagerstown, MD · On-site +1

Conduct initial credit investigations on merchant applications, including review of business and personal credit reports, financial documentation, public records, and business validation information.

Global Industrial

Credit Representative

Buford, GA

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

Huntington

Credit Coordinator

Hagerstown, MD · On-site +1

Conduct initial credit investigations on merchant applications, including review of business and personal credit reports, financial documentation, public records, and business validation information.

Td

Commercial Credit Underwriter II

Mount Laurel, NJ · On-site

$34.75 - $52/hr

Conducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits * Underwrites loans and performs ...

Cypress HCM

Credit Analyst

Nashville, TN · On-site

$20 - $22.76/hr

Perform credit investigations and offer credit limit recommendations * Prepare payment trend reports * Monitor deals in the sales system by lifting with replacing holds * Monitor accounts & review ...

Sysco Corporation

Credit Clerk

Woodridge, IL · On-site

$19/hr

Conducts credit investigations by contacting business references, credit bureaus and financial institutions in order to check credit worthiness * Establishes customer accounts for new and existing ...

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 ...

LEGENDS BANK

Credit Analyst

Clarksville, TN · On-site

Evaluates results of investigations, prepares reports of findings for loan officers. * Performs credit inquiries for the bank as requested. * Maintains and reviews customer financial spreadsheets.

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Credit Investigator information

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How much do credit investigator jobs pay per hour?

As of Aug 22, 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 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.

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.
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Credit Investigator jobs near you
Infographic showing various Credit Investigator job openings in the United States as of August 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $37,706 per year, or $18.1 per hour.

Credit Analyst

Security State Bank And Trust

Fredericksburg, TX • On-site

Full-time

Re-posted 11 days ago

Job description

The Credit Analyst is responsible for independently analyzing and underwriting commercial loan requests, including new originations, renewals, and modifications. The role evaluates borrower financial performance, cash flow capacity, collateral support, and overall credit risk to determine the borrower’s ability to repay in accordance with bank credit policy and regulatory guidelines. The Credit Analyst prepares comprehensive written credit analyses that assess risk, profitability, and structural considerations, and assigns appropriate risk ratings. This position supports the bank’s commercial lending functions.

Essential Responsibilities

  • Champion SSB&T’s Core Values: Model SSB&T’s core values, embedding them into data strategy, governance, and team culture.
  • Analyze financial statements, tax returns, and related credit information to assess borrower performance, repayment capacity, and overall credit risk.
  • Conduct credit investigations and evaluate key risks, mitigants, structural considerations, and risk rating recommendations.
  • Prepare comprehensive commercial credit memoranda and approval packages supported by financial modeling and cash flow analysis on loan relationships up to Executive level approval.
  • Monitor financial reporting requirements and covenant compliance to support ongoing portfolio risk management.
  • Ensure credit files remain current, complete, and compliant with internal policy and regulatory guidelines.
  • Maintain accurate financial spreading and documentation within nCino and Document Manager systems.
  • Collaborate with loan officers and credit team members to support underwriting standards, workflow efficiency, and timely portfolio management.
  • Other duties as assigned.



Employment Commitments & Physical Requirements

  • Exempt
  • Full-time
  • Monday- Friday 8am-5pm
  • Community/ volunteer involvement
  • Focus-intensive position requiring extended periods of sitting and digital navigation.
  • Occasional walking, standing, and use of office equipment.
  • Must possess close visual acuity and clear speech for verbal communication.

Location & Travel

  • Position is in Fredericksburg, Texas (Operations 2 Building)
  • Flexible hybrid opportunity may be available in the future – may relocate to a branch location
  • Travel may be necessary depending on business needs

Candidate Requirements

  • 1 year of loan analysis or commercial lending experience required
  • Ability to adapt to growing business needs and structural changes.

Candidate Preferred Qualifications

  • Bachelor’s degree in Accounting, Finance, or related field preferred.
  • Strong understanding of Generally Accepted Accounting Principles (GAAP) and financial statement analysis.
  • Ability to analyze commercial and consumer financial statements and tax returns for individuals and business entities.
  • Proficiency in Microsoft Excel and Office Suite; experience with nCino and core banking systems (e.g., Horizon) preferred.
  • Excellent analytical, organizational, and attention-to-detail skills.
  • Strong written and verbal communication skills, with the ability to present analysis to loan committee and senior leadership.