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Credit Jobs in Gilbert, AZ (NOW HIRING)

Expeditors

Credit Specialist

Scottsdale, AZ · On-site

Compile and analyze credit scoring and company financial information * Obtain, track and reconcile customer financial statements * Review financial statements to assess risk and assign appropriate ...

Tradition Capital Bank

Credit Analyst

Scottsdale, AZ · On-site

$100K - $150K/yr

Credit Administration: Assist lenders with on-going credit administration and portfolio management including the periodic review of borrower reporting, updating ticklers, and ongoing account ...

QXO

Credit Director

Glendale, AZ

Establish and execute credit strategies, policies, and procedures that balance risk and growth * Lead, coach, and develop a team of Credit Managers, ensuring strong performance, consistency, and ...

Expeditors

Credit Specialist

Scottsdale, AZ · On-site

Globally unified systems As a Credit Specialist, you'll play a key role in supporting credit approvals for a large, dynamic organization while learning how to apply your education to real-world ...

Chadwell Supply

Credit Specialist

Phoenix, AZ · On-site

$21 - $23/hr

Credit Specialist Opportunity Smart, innovative, and hard-working? Perfect! We are growing and need the right people with the right mindset. Join our family and find a home where you will enjoy ...

Chadwell Supply

Credit Specialist

Phoenix, AZ · On-site

$21 - $23/hr

Overview The Credit Specialist is responsible for communicating with customers regarding credit applications, billing, discrepancies, collecting past due invoices, resolving payment applications and ...

Tradition Capital Bank

Credit Analyst

Scottsdale, AZ · On-site

$100K - $150K/yr

Credit Administration: Assist lenders with on-going credit administration and portfolio management including the periodic review of borrower reporting, updating ticklers, and ongoing account ...

QXO

Credit Director

Glendale, AZ · On-site

Establish and execute credit strategies, policies, and procedures that balance risk and growth * Lead, coach, and develop a team of Credit Managers, ensuring strong performance, consistency, and ...

Chadwell Supply

Credit Specialist

Phoenix, AZ · On-site

$21 - $23/hr

Overview The Credit Specialist is responsible for communicating with customers regarding credit applications, billing, discrepancies, collecting past due invoices, resolving payment applications and ...

Arizona Tile

Director of Credit

Tempe, AZ · On-site

Position SummaryThe Director of Credit will lead the company's credit and collections operations, ensuring optimal cash flow, minimizing credit risk, and maintaining strong customer relationships.

Arizona Tile

Director of Credit

Tempe, AZ · On-site

Position Summary The Director of Credit will lead the company's credit and collections operations, ensuring optimal cash flow, minimizing credit risk, and maintaining strong customer relationships.

Arizona Tile

Director of Credit

Tempe, AZ · On-site

Position Summary The Director of Credit will lead the company's credit and collections operations, ensuring optimal cash flow, minimizing credit risk, and maintaining strong customer relationships.

Arizona Tile

Director of Credit

Tempe, AZ · On-site

Position Summary The Director of Credit will lead the company's credit and collections operations, ensuring optimal cash flow, minimizing credit risk, and maintaining strong customer relationships.

Expeditors

Credit Analyst II

Scottsdale, AZ · On-site

The Credit Analyst II manages a portfolio of accounts with moderate to higher complexity, reviews financial statements for public and private companies, and provides well-supported credit ...

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How much do credit jobs pay per hour?

As of Sep 7, 2026, the average hourly pay for credit in Gilbert, AZ is $20.94, according to ZipRecruiter salary data. Most workers in this role earn between $17.36 and $23.46 per hour, depending on experience, location, and employer.

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 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 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 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 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.

What is a job in credit?

A job in credit involves assessing and managing the creditworthiness of individuals or businesses to determine their eligibility for loans or credit lines. Roles often include analyzing financial data, reviewing credit reports, and making recommendations, requiring skills in finance, attention to detail, and familiarity with credit scoring tools. These positions are common in banks, financial institutions, and credit agencies.
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What are the most commonly searched types of Credit jobs in Gilbert, AZ?

The most popular types of Credit jobs in Gilbert, AZ are:

What are popular job titles related to Credit jobs in Gilbert, AZ?

For Credit jobs in Gilbert, AZ, the most frequently searched job titles are:

What job categories do people searching Credit jobs in Gilbert, AZ look for?

The top searched job categories for Credit jobs in Gilbert, AZ are:

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Cities near Gilbert, AZ with the most Credit job openings:

Credit jobs near you
Infographic showing various Credit job openings in Gilbert, AZ as of August 2026, with employment types broken down into 86% Full Time, 13% Part Time, and 1% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $48,085 per year, or $23.1 per hour.

Credit Analyst - Subprime Auto Finance

United Auto Credit

Phoenix, AZ • On-site

$28.50 - $33.50/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 26 days ago

Job description

Job Summary:
As a Credit Analyst at United Auto Credit, you'll review and manage loan applications, ensuring they meet lending guidelines and are processed efficiently. You'll follow up with dealerships to secure contracts, restructure non-prime deals as needed, and make sound underwriting decisions based on credit analysis. Strong communication and relationship-building with dealerships and internal teams are key to success in this role.
Essential Duties and Responsibilities:
As a Credit Analyst at UACC, you will:
  • Engage with Dealerships: Follow up with dealerships on automated decisioned loan applications to secure contracts and build lasting relationships.
  • Review and Approve Loans: Ensure that sales contracts align with program specifications or provide alternative solutions when necessary to meet lending guidelines.
  • Build Strong Relationships: Communicate regularly with dealers, the sales/marketing team, and funders to collaborate on solutions that drive success.
  • Negotiate and Restructure Deals: Work with dealerships to structure and restructure non-prime deals, ensuring the right balance between risk and reward.
  • Analyze Credit Data: Evaluate credit reports, customer information, and application structures to make informed, profitable underwriting decisions.
  • Achieve Your Goals: Meet monthly targets for production, quality, and customer satisfaction, driving both personal and team success.
  • Assess and Manage Risk: Carefully review loan applications to assess creditworthiness and ensure that all contracts meet company standards.

Requirements
  • 2+ years of experience in loan underwriting
  • Sub-prime auto finance experience strongly preferred
  • Bachelor's degree preferred (or equivalent combination of education and experience)

Compensation
  • Hourly rate ranges between $28.50 - $33.50 an hour, based on experience
  • Uncapped Bonuses, Averaging $800 monthly
  • Expected Total Compensation including Average Bonuses = $60K - $70k

Technical Skills
  • Proficient in Microsoft Office, Google G Suite, and Teams

What can you expect from us?
We offer our team members a competitive compensation package that includes an uncapped commission structure (starting at deal #1)
We also provide you the tools necessary to perform at a high level, from a phone/table combination, to a program that will offer your dealer a way to fund to the most difficult of credit customers, job/income types and even offer subprime financing for a bevy of commercial units.
We also provide a comprehensive benefits package that includes medical, dental, vision, a 401(k) investment plan with Company match, and paid time off. Our training program is designed to provide you with the tools and resources you will need to succeed! We strive to be the company of choice for our employees, customers and dealers!
Benefits:
  • Generous Time off package
  • Medical/Dental/Vision
  • Additional voluntary benefits
  • Retirement Plan + Employer Match
  • Employee Perks and Discounts

Commitment to Diversity and Equal Employment Opportunity
United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully.
UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring.
UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices.
UACC complies with all applicable federal, state, and/or local laws relating to equal employment.
Other Things to Note
This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice.
Please review our privacy and CCPA policies.

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