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Credit Jobs (NOW HIRING)

Role Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit. Scrutinizes financial data profitability, income growth, and management ...

Credit Resolution Officer

Denton, MD ยท Hybrid

$62K - $90K/yr

Horizon Farm Credit is recruiting for a Credit Resolution Officer to join our team. We have one position available, and the qualified candidate will work in either the Mechanicsburg, PA, Westminster ...

Credit

Southfield, MI ยท On-site

$60K - $70K/yr

Credit / Accounts Receivable Analyst Key Responsibilities * Tax Management: Partner with master data teams to ensure customers are accurately set up and taxed correctly, including maintaining and ...

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How much do credit jobs pay per hour?

As of Aug 12, 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 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.
What cities are hiring for Credit jobs? Cities with the most Credit job openings:
What are the most commonly searched types of Credit jobs? The most popular types of Credit jobs are:
What states have the most Credit jobs? States with the most job openings for Credit jobs include:
Infographic showing various Credit job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 82% Full Time, 16% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $48,239 per year, or $23.2 per hour.

Credit Resolution Officer

Horizon Farm Credit

Winchester, VA โ€ข On-site

$62K - $90K/yr

Other

Medical, Dental, Vision, Retirement, PTO

Re-posted 15 days ago


Job description

Job Description

Are you looking for a new opportunity with the ability to work in a collaborative team environment, that provides a great work/life balance, and the chance to make a difference?

Overview: Horizon Farm Credit is recruiting for a Credit Resolution Officer to join our team. We have one position available, and the qualified candidate will work in either the Mechanicsburg, PA, Westminster, MD, Denton, MD, or Winchester, VA branch location. The hours of operations are typically Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for a hybrid work schedule. This is a great opportunity to make a difference in agriculture and rural communities.

Position Description: In this position, you will work directly with Ag Relationship Managers, Customers, Credit Analysts, Regional Credit Officers, Special Assets, and Regional Management to return a loan to a viable financial position through restructuring, borrower counseling, creative credit packages and/or resolution of distressed accounts if needed. You will assist with the prevention of loans entering special classification and the reduction of non-earning assets through restructuring, borrower counseling, and resolution of distressed and delinquent accounts.

Areas of Responsibility:

  • Will act as a key influencer with Customers and Ag Relationship Managers and work with Credit Analysts and Management in assigned regions to address customer situations in or approaching the need to refer to the Special Assets team.
  • Establishing and maintaining sound credit and loan administration/pricing, along with credit quality goals.
  • Establishing appropriate loan terms and conditions to manage the loan risks for a variety of loans.
  • Serve as a specialized resource focused on the retention and improvement of distressed and/or assigned accounts not assigned to the Special Assets team.
  • Monitors assigned accounts.
  • Partners with the Special Assets Team Lead and aligns with key credit strategies with Regional Sales Team.
  • Analyzes credit/operation of assigned customers.
  • Provide Ag Relationship Managers support through coaching, coordinating, and delivering both individual and group training as needed and as directed by Leadership.
  • Provide key insights, counsel, and direction on assigned to relevant accounts, and supporting communications as needed, to best position the Ag Relationship Managers as the primary contact with the customer.

Requirements:

  • Bachelor's degree in Business Administration, Agriculture Economics, Finance, or related field.
  • Generally, at least 8 years of lending/credit analysis experience.
  • Ability to perform a greater level of activities, and independently handle complex credits.
  • Proficient in accessing loan applications and making informed credit decisions.
  • Highly skilled in selling, negotiating, and identifying customer needs.
  • Excellent negotiation skills and the ability to probe for customer needs.
  • Ability to analyze and develop solutions to complex problems.
  • Excellent interpersonal, communication, and organizational skills.
  • Excellent skills in judgment, decisiveness, and analysis and ability to appropriately respond and react quickly as situations dictate.
  • Adaptable and flexible to a changing work environment.
  • Prolonged periods sitting at a desk and working on a computer.
  • Regular, predictable, and reliable attendance is required.
  • Complies with the Association's Standards of Conduct Policy.

Who are we?

Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference in agriculture and rural communities.

What can we offer you?

We offer competitive compensation and benefits packages for full-time employees including:

  • Medical insurance with dental and vision care options
  • 401 (k) with significant employer matching
  • Paid time off, holidays, and volunteer time to support work/life balance
  • Tuition reimbursement and training opportunities
  • Student loan reimbursement
  • Leadership and career development opportunities
  • Paid maternity and bonding leave
  • Paid short-term disability
  • Fun and inclusive work environment

Salary Range: $62,300 - $90,000, depending on experience.

Equal Opportunity Employer including veterans and individuals with disabilities.