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Credit Jobs (NOW HIRING)

Farm Credit Mid-America

Credit Associate

Louisville, KY · On-site

$49K - $100K/yr

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to ...

Sentinel Federal Credit Union

Credit Analyst

Box Elder, SD · On-site

$23.10 - $26/hr

Join Our Team as a Credit Analyst 2723 LeMay Blvd, EAFB/Box Elder | Full-Time (40 hours/week) Looking for a stable, meaningful career where your analytical skills can make a direct impact on the ...

Superior Choice Credit Union

Credit Analyst

Eau Claire, WI · On-site

$25 - $35/hr

Credit Analyst Are you a numbers-driven problem solver who enjoys digging into financial details and turning data into meaningful insights? Do you take pride in accuracy, organization, and supporting ...

Travis Credit Union

Credit Policy Analyst

Vacaville, CA · On-site

$90K - $132K/yr

Travis Credit Union's (TCU) Credit Policy Analyst focuses on developing, implementing, and monitoring credit policies to ensure effective risk management, profitability, and compliance. This position ...

Horizon Farm Credit

Agribusiness Credit Analyst

Dover, DE · On-site

$79K/yr

Horizon Farm Credit is actively recruiting for an experienced Agribusiness Credit Analyst to join our team. Qualified candidate may work in the Frederick, Dover, Georgetown, Mechanicsburg, Mount Joy ...

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How much do credit jobs pay per hour?

As of Sep 2, 2026, the average hourly pay for credit in the United States is $23.19, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $25.96 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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Credit jobs near you
Infographic showing various Credit job openings in the United States as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $48,239 per year, or $23.2 per hour.

Credit Associate

Farm Credit Mid-America

Louisville, KY • On-site

$49K - $100K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 5 days ago

Job description

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 13 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.  

Schedule:  Full Time, Hybrid 
Travel Required:  0% - 10% 


Compensation: The salary range for this position is estimated to be $49,208.00 - $100,487.00 annualized, which reflects the company's current estimate of the potential compensation range at the time of posting. This salary range reflects the anticipated compensation for this position and represents one component of the total rewards package. Final compensation will be determined based on factors such as experience, skills, education, qualifications, and allotted budget. The organization offers a comprehensive benefits program as part of its overall compensation strategy, and salary ranges are reviewed periodically to remain aligned with market conditions.

Benefits At A Glance

Eligible team members have access to a comprehensive benefits package that includes:

  • Medical, dental, and vision insurance 
  • Well-being and fitness reimbursement programs 
  • Paid vacation, sick leave, and holidays 
  • 401(k) plan with company contributions and matching opportunities 
  • Paid parental leave
  • Short-term and long-term disability coverage 
  • Tuition reimbursement and professional development programs 
  • Community involvement and volunteer opportunities 
  • Variable compensation opportunities for eligible positions
About Our Opportunity

The Credit Associate, known internally as Credit Analyst, serves the Association's internal and external customers by preparing and analyzing financial loan packages for system and manual underwriting decisions in a timely manner that meets or exceeds customer expectations. Credit Analysts construct value-added credit analyses for all levels and types of operations.

This role builds foundational knowledge and skills to contribute to core work within the team. Team members at this level focus on learning processes, applying guidance from more experienced colleagues, and delivering accurate work in a supportive, structured environment.  They are developing confidence, strengthening capability, and gaining familiarity with our systems, relationships, and expectations.

How You Will Spend Your Time
  • Develops comprehensive financial analyses by assembling and validating balance sheets, income statements, tax returns, cash flow statements, and related data to accurately represent customers' financial positions.
  • Partners crossfunctionally with sales, credit, and relationship teams to understand customer financials and operational changes, support effective customer communication, and ensure analyses reflect current conditions and risks.
  • Analyzes loan servicing requests across varying levels of risk and complexity, including larger or higherrisk relationships, while providing financial analysis support to Credit Officers and other internal teams.
  • Applies critical thinking and independent judgment to evaluate financial trends, incorporate projections, adjust analyses for complex or multientity borrowers, grant justified process exceptions, and, in some instances, recommend or approve loans within delegated authority.
  • Builds and applies subjectmatter expertise in agriculture, finance, credit, technology, and industry trends to strengthen credit decisions, risk assessment, and overall portfolio performance.
  • Completes assigned tasks accurately by following established processes, guidance, and quality standards. 
  • Applies direction and from more experienced team members to build skill, confidence, and reliability. 
  • Maintains organized, complete, and dependable work products that support team workflow. 
  • Asks questions to clarify expectations and deepen understanding of systems, processes, and procedures. 
  • Contributes to team goals through collaboration, communication, and consistent follow-through.
  • Identifies opportunities to strengthen personal work habits, accuracy, and efficiency as skills develop. 
Education & Experience
  • High School Diploma/GED with 3 years relevant experience.
  • Bachelor's Degree preferred.
Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.

Farm Credit Mid-America provides a competitive total rewards package to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family.  Here is a highlight of our Total Rewards and Benefits.

Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.

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