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Credit Jobs in Rhode Island (NOW HIRING)

Dupuis Energy

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Credit and Collections Specialist

Pawtucket, RI · On-site

$24 - $32/hr

Position Summary The Credit and Collections Specialist is responsible for managing customer accounts to ensure timely payment of outstanding invoices while maintaining positive customer relationships.

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All JobsCredit JobsCredit Jobs in Rhode Island

Credit information

See Rhode Island salary details

$12

$22

$32

How much do credit jobs pay per hour?

As of Aug 10, 2026, the average hourly pay for credit in Rhode Island is $22.71, according to ZipRecruiter salary data. Most workers in this role earn between $18.85 and $25.43 per hour, depending on experience, location, and employer.

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 abilities, financial acumen, and typically a degree in finance, accounting, or a related field. Familiarity with credit scoring systems, financial modeling tools like Excel, and possibly certifications such as the Chartered Financial Analyst (CFA) are important. Attention to detail, effective communication, and sound judgment are critical soft skills for assessing risk and presenting findings. These competencies ensure accurate credit evaluations, minimize financial risk, and support informed lending decisions.

What is a job in credit?

A job in credit involves assessing and managing the creditworthiness of individuals or businesses to determine their ability to repay loans or credit lines. Roles often include credit analysts, underwriters, and risk managers who use financial data, credit reports, and industry knowledge to make informed lending decisions. Strong analytical skills and familiarity with financial software are typically required.

What are some common challenges faced by professionals working in credit analysis roles, and how can these be managed effectively?

Professionals in credit analysis often encounter challenges such as assessing the risk of clients with limited financial histories, managing large volumes of data under tight deadlines, and staying up-to-date with changing regulations. To manage these challenges effectively, credit analysts typically rely on robust analytical tools, ongoing training, and close collaboration with risk management and underwriting teams. Building strong communication skills also helps, as analysts often need to explain their assessments to both clients and internal stakeholders.

What are different jobs in the credit industry?

There are many job positions in the credit industry, often available at a credit union, bank, or other lending organization. A credit analyst reviews applications and prior financial statements to approve or deny credit cards or loans. A credit manager oversees the entire process of granting credit. People in card security use their skills to look at fraud reports or review accounts for suspicious activity. While duties and responsibilities vary, most jobs focus on assessing the creditworthiness of potential borrowers.

What is a credit analyst?

Credit analysts are financial professionals who evaluate the creditworthiness of individuals, companies, or organizations. They assess financial data, credit history, and economic conditions to determine the risk of lending money or extending credit. Their analysis helps lenders, such as banks or financial institutions, make informed decisions about approving loans or credit lines. Credit analysts also monitor existing accounts to identify potential risks and recommend actions to minimize losses. Their role is crucial in maintaining the financial health and stability of lending organizations.

What is the difference between Credit vs Loan Officer?

AspectCreditLoan Officer
Required CredentialsHigh school diploma or equivalent; some roles may require a bachelor's degreeHigh school diploma or equivalent; often prefers some college or related experience
Work EnvironmentBanking, financial institutions, credit agenciesBank branches, mortgage companies, lending institutions
Employer & Industry UsageUsed across banking, credit reporting, and financial servicesPrimarily in banking and mortgage lending sectors
Comparison Search IntentUnderstanding credit management, credit analysisLoan application, approval process

While both roles are involved in financial services, a Credit professional typically assesses creditworthiness and manages credit accounts, whereas a Loan Officer focuses on evaluating loan applications and approving loans. The roles often overlap but serve different functions within the lending process.

How do I become a credit clerk?

To become a credit clerk, typically a high school diploma or equivalent is required, and some employers prefer candidates with postsecondary education or relevant experience. Skills in data entry, attention to detail, and familiarity with accounting or credit management software are important. On-the-job training is common, and strong organizational skills help in managing credit records and processing transactions.
More about Credit jobs
What are the most commonly searched types of Credit jobs in Rhode Island? The most popular types of Credit jobs in Rhode Island are:
What are popular job titles related to Credit jobs in Rhode Island? For Credit jobs in Rhode Island, the most frequently searched job titles are:
What job categories do people searching Credit jobs in Rhode Island look for? The top searched job categories for Credit jobs in Rhode Island are:
What cities in Rhode Island are hiring for Credit jobs? Cities in Rhode Island with the most Credit job openings:
Credit jobs near you
Infographic showing various Credit job openings in Rhode Island as of August 2026, with employment types broken down into 1% Internship, 79% Full Time, 19% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $47,241 per year, or $22.7 per hour.

Commercial Credit Underwriting Manager

BankNewport

Middletown, RI • On-site

Other

Posted 25 days ago

Job description

Overview
BankNewport celebrates being a community bank since 1819. Yes, that's 200 years, and still growing. Offering new and exciting career opportunities, BankNewport is committed to providing our employees the resource and guidance to develop careers that are challenging and rewarding.
So, if you're looking for a great professional opportunity, know that BankNewport will empower and invest in you.
Under the direction of the SVP Chief Credit Risk Officer, the Commercial Credit Underwriting Manager oversees the day-to-day operations of the Commercial Credit Underwriting team.
The Commercial Credit Underwriting Manager supervises a team of credit analysts who are responsible for analyzing and interpreting financial and credit information of prospective commercial new money loan requests, material loan modifications, renewals and annual relationship reviews. A credit approval memorandum will be prepared by the credit analyst, which is used to make credit decisions by required approval authorities. The Manager will review this memorandum for accuracy and completeness along with any associated information such as industry data, appraisals and environmental reports before releasing them to the credit approvers.
This position requires strong; commercial credit and underwriting skills (CRE & C&I), writing skills, oral communication skills, organizational skills, and managerial experience. The Commercial Credit Underwriting Manager also ensures compliance with all applicable laws, regulations and BankNewport policies and procedures. Will work collaboratively in conjunction with Credit Administration team.
This is a hybrid position with some travel to other RI locations as needed for training/meetings.
Responsibilities
  • Assign loans to credit analysts and manages the daily workflow of the commercial credit underwriting pipeline, meeting deadlines. Ensures high quality analysis results and timely completion of all credit approval memorandums.
  • Reviews and analyzes commercial credit approval memorandums for accuracy. A solid understanding of commercial lending and credit underwriting principles will help ensure the highest loan quality to the Bank.
  • Assign risk ratings as appropriate.
  • Accurately identify loan policy exceptions and any red flags during the underwriting process.
  • Underwrites, from time to time, complex commercial loan requests.
  • Serves as a resource for credit policy and procedure interpretation for commercial lending officers and business bankers.
  • Partners with direct reports, providing training and coaching as needed.
  • Collaborate with commercial loan officers and business bankers on loan requests; assists in structuring, terms and conditions, need for information, offering assistance and resolution.
  • Ensures adherence to banking regulations (State and Federal), Bank policy and procedures. Advises management of compliance issues in a pro-active manner.
  • Establishes, promotes and practices strong collaboration efforts within the department and with the various lending business lines as well as other employees and customers of the Bank, to further grow and enhance the quality of the loan portfolio.
  • Hosts weekly pipeline call with commercial lending team.
  • Recommend improvements to Bank policies and procedures. Ensures that any changes meet regulatory guidelines and are successfully implemented.
  • Knowledge of Microsoft Office programs required. Familiarity with nCino or other loan platform software helpful.
  • Maintains a growth mindset by offering innovative solutions in deploying team resources and technology.
  • Other duties or responsibilities, as assigned.

OTHER ACCOUNTABILITIES / RESPONSIBILITIES:
Performs related and unrelated duties as may be required.
Qualifications
Extensive commercial credit experience: Bachelor's degree in a related field or relevant work experience with 7 to 10 years of credit underwriting, and credit and portfolio management experience in the Banking industry. Must have managerial or team lead experience. Formal Commercial Credit trained preferred. Excellent analytical, managerial, planning, organizational, communication (written & oral), decision making skills, and technological skills including experience using Microsoft Office programs and nCino.
PHYSICAL REQUIREMENTS
Any physical demands or work conditions described below are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable Accommodation may be made to enable individuals with disabilities to perform the essential functions. Employees need to have the ability to:
  • Travel independently to the position's primary work location, other bank properties and work-related activities or events at locations outside the Bank.
  • Effectively communicate and exchange accurate information and ideas so others will understand.
  • Independently 0perate a computer and other office machinery, such as a calculator, copy machine, printer and software programs related to the position needed to complete the primary functions.
  • Sit or stand at a workspace and use a computer or other equipment for prolonged periods of time.
  • Meet the hybrid work schedule requirements for physically working in the office during normal business hours on Mondays and Wednesdays and another day of choice to effectively meet business needs.
  • Move office items weighing up to 35 pounds.
  • Work in an environment with low to moderate noise levels.

SUPERVISORY SCOPE:
Deadlines
Structure loans with loan officers
Regulations
Training and coaching
5 direct reports
INDEPENDENT ACTION:
Establishes short range plans and objectives within scope of bankwide policies and goals. Consults with manager regarding policy interpretations or exceptions.
BANKNEWPORT CORE VALUES:
  • We celebrate individuality
  • We empower employees to be creative problem solvers
  • We invest and take the time to really get to know our customers
  • We commit to serving the financial needs of Rhode Islanders

Any physical demands or work conditions described here 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.
BankNewport is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of race, color, religion, creed, national origin or ancestry, sex, age, physical or mental disability, veteran or military status, genetic information, sexual orientation, gender identity or expression, pregnancy, childbirth or related medical conditions, military service, marital status, or any other legally recognized protected basis under federal, state or local laws, regulations or ordinances.

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