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Credit Officer Jobs in Indiana (NOW HIRING)

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Credit Officer information

See Indiana salary details

$33.3K

$93.3K

$140.4K

How much do credit officer jobs pay per year?

As of Sep 8, 2026, the average yearly pay for credit officer in Indiana is $93,267.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,200.00 and $114,700.00 per year, depending on experience, location, and employer.

What is a credit officer?

A credit officer processes financial loan applications for clients on behalf of banks. Their job responsibilities include helping clients choose the best loan options for their car, mortgage, or personal credit. Other duties include evaluating credit, entering financial data, and performing risk assessments. To become a credit officer, you need a bachelor’s degree in finance, accounting, or economics. Additional qualifications, such as the certified lender business banker (CLBB) credential, can help you advance in this career.

What does a credit officer do?

A Credit Officer is responsible for evaluating and approving loan applications by assessing the creditworthiness of individuals or businesses. They analyze financial information, credit reports, and other relevant data to determine the risk involved in lending money. Credit Officers also ensure that all loans comply with the institution's lending policies and government regulations, and they may work with clients to explain loan terms and answer questions. Their role is crucial in minimizing financial risk for banks and other lending institutions.

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

To succeed as a Credit Officer, you need a strong background in finance, risk assessment, and credit analysis, often supported by a degree in finance, accounting, or a related field. Familiarity with credit scoring software, loan management systems, and financial modeling tools is essential. Excellent analytical thinking, attention to detail, and clear communication skills help set top performers apart. These abilities are crucial for making informed lending decisions, minimizing risk, and fostering positive client relationships.

What are some common challenges credit officers face when assessing loan applications, and how can these be overcome?

Credit Officers often encounter challenges such as incomplete financial documentation, complex client financial histories, and tight deadlines for decision-making. Overcoming these requires strong analytical skills, attention to detail, and effective communication with applicants to clarify missing or ambiguous information. Building collaborative relationships with underwriting teams and staying updated on regulatory changes can also streamline the evaluation process and improve decision accuracy.

What is the difference between Credit Officer vs Loan Officer?

AspectCredit OfficerLoan Officer
CredentialsTypically requires a bachelor's degree in finance, accounting, or related field; certifications like CAMS or CPA are a plusSimilar educational background; often holds licenses or certifications depending on loan types
Work EnvironmentWorks in banks, credit unions, or financial institutions assessing creditworthinessWorks in banks, mortgage companies, or lending firms evaluating loan applications
Primary ResponsibilitiesAnalyzes credit data, assesses risk, and approves or declines credit applicationsAssists clients in obtaining loans, evaluates financial information, and recommends loan options

While both roles involve evaluating financial information, Credit Officers focus on assessing credit risk and approving credit lines, whereas Loan Officers primarily assist clients in securing loans by guiding them through the application process.

What do you need to be a credit officer?

To become a credit officer, candidates typically need a bachelor's degree in finance, accounting, or a related field. Relevant skills include strong analytical abilities, attention to detail, and knowledge of credit reporting and risk assessment. Professional certifications such as the Certified Credit Executive (CCE) can also enhance job prospects.
More about Credit Officer jobs

What are the most commonly searched types of Credit Officer jobs in Indiana?

The most popular types of Credit Officer jobs in Indiana are:

What are popular job titles related to Credit Officer jobs in Indiana?

For Credit Officer jobs in Indiana, the most frequently searched job titles are:

What job categories do people searching Credit Officer jobs in Indiana look for?

The top searched job categories for Credit Officer jobs in Indiana are:

What cities in Indiana are hiring for Credit Officer jobs?

Cities in Indiana with the most Credit Officer job openings:

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For Credit Officer jobs in IN, the most frequently searched job titles are:

Credit Officer jobs near you
Infographic showing various Credit Officer job openings in Indiana as of August 2026, with employment types broken down into 95% Full Time, and 5% Part Time. Highlights an 98% Physical, 1% Hybrid, and 1% Remote job distribution, with an average salary of $93,267 per year, or $44.8 per hour.

Credit Analyst (NNN Finance)

First Merchants Bank

Jeffersonville, IN

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 18 days ago

First Merchants Bank rating

7.8

Company rating: 7.8 out of 10

Based on 22 frontline employees who took The Breakroom Quiz

90th of 176 rated banks

Job description

First Merchants Bank is seeking a NNN Finance Credit Analyst to join our team! Successful NNN Finance Credit Analysts are quantitative thinkers with a demonstrated ability to work with a large number of variables, craft well organized and concise credit memorandums, and are comfortable making complex and financially sound decisions or recommendations across a diverse spectrum of commercial real estate lending.

As part of this role you will:

  • Acquire working knowledge of applicable bank credit policies and regulatory lending laws.
  • Assist with the timely collection of customer financial information as needed.
  • Spread and analyze personal and business financial statements, tax returns, management prepared financials and CPA prepared compilations, reviews and audited statements.
  • Analyze loan data on new, renewal and existing loans; including data provided by credit bureaus, other financial institutions and financial institution credit/collateral files.
  • Make recommendations for proper loan structuring including term, amortization, loan conditions and covenants.
  • Prepare spreadsheets, credit memorandums, reports, summaries and opinions.
  • Determine the proper risk rating for credits at time of loan origination and on relationships assigned for annual reviews.
  • Actively participate in loan committee offering their opinion of the credit and/or responding to questions as the financial analyst for the credit requested.
  • Work with participating banks to ensure proper reporting and updating of credit information.
  • Perform UCC, credit bureau, D&B, loss avoidance, and other credit/industry and collateral specific investigations.
  • Keep informed about current national and local economic and industry events, new accounting and finance rules and other events, which may affect the quality of the bank’s loan portfolio.
  • Perform other Credit and Credit Administration functions as required.
  • Adhere to Confidentiality Policy, Code of Ethics Policy, all applicable Bank policies and procedures as well as all applicable regulatory and compliance policies and procedures.
  • Carry out other duties as assigned or requested.

To be successful in this position, we require the following:

  • Bachelor’s degree in Finance, Economics, or Accounting.
  • A minimum of one (1) years of related analytical experience.

The following would be a plus:

  • Proficiency in Microsoft Office applications with primary emphasis in Word and Excel.
  • Exceptional financial analytical, business mathematical, organizational, problem solving and time management skills.
  • Excellent written and verbal communication skills.
  • Ability to exercise judgment, initiative and tact in dealing with brokers, applicants, borrowers, borrower counsel, lending officers, staff, supervisors and management.
  • Experience working with commercial loans and/or spreading financial statements.

First Merchants offers the following:

  • Base Pay PLUS Bonuses
  • Medical, Dental and Vision Insurance
  • 401k
  • Health Savings and Flexible Spending Accounts
  • Vacation/Sick Time
  • Paid Holidays
  • Paid Parental Leave
  • Tuition Reimbursement
  • Additional Benefits

 

A little about us:

First Merchants is guided by a genuine philosophy of being a meaningful place to work and having a prosperous impact across all walks of life throughout the communities we serve, including consumers, businesses and other organizations. Our Vision, Mission and Team statement reflect and reinforce that authentic service philosophy.

Our Vision is:

To enhance the financial wellness of the diverse communities we serve.

Our Mission is:

To be the most responsive, knowledgeable, and high-performing financial organization for our clients, teammates, and shareholders.

Our Team:

"We are a collection of dynamic colleagues with diverse experiences and perspectives who share a passion for positively impacting lives. We are genuinely committed to attracting and engaging teammates of diverse backgrounds. We believe in the power of inclusion and belonging."

Apply today to begin your career with us!

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