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Entry Level Credit Analyst Jobs (NOW HIRING)

Axos Bank

Credit Analyst

San Diego, CA

$20 - $27/hr

Analyze financial statements, credit reports, and business performance data for independent ... Internship or entry-level banking experience Axos Employee Benefits May Include: * Medical, Dental ...

Alpine Banks of Colorado

Credit Analyst I

Avon, CO

$26 - $28.84/hr

General Purpose The Credit Analyst I is an entry level position involved in underwriting loans with a focus on a specific sector of either commercial or consumer products while closely working with ...

Alpine Bank

Credit Analyst I

Grand Junction, CO · On-site

$26 - $28.84/hr

General Purpose The Credit Analyst I is an entry level position involved in underwriting loans with a focus on a specific sector of either commercial or consumer products while closely working with ...

Alpine Banks of Colorado

Credit Analyst I

Denver, CO · On-site

$26 - $28.84/hr

General Purpose The Credit Analyst I is an entry level position involved in underwriting loans with a focus on a specific sector of either commercial or consumer products while closely working with ...

Alpine Banks of Colorado

Credit Analyst I

Rifle, CO · On-site

$26 - $28.84/hr

General Purpose The Credit Analyst I is an entry level position involved in underwriting loans with a focus on a specific sector of either commercial or consumer products while closely working with ...

Savers Bank

Commercial Credit Analyst

Southbridge, MA · On-site

$60K - $76K/yr

... Entry level role with a up to 3 years of experience in commercial credit analysis, lending or ... related experience. Familiarity with compliance requirements (CRA, Reg B & HMDA) and regulatory ...

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Entry Level Credit Analyst information

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$15

$29

$49

How much do entry level credit analyst jobs pay per hour?

As of Jun 15, 2026, the average hourly pay for entry level credit analyst in the United States is $29.92, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $33.65 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as an Entry Level Credit Analyst, and why are they important?

To thrive as an Entry Level Credit Analyst, you need strong analytical abilities, a solid understanding of financial statements, and typically a bachelor's degree in finance, accounting, or a related field. Familiarity with financial modeling tools, Microsoft Excel, and credit analysis software is often required. Attention to detail, effective communication, and problem-solving skills are essential soft skills in this role. These competencies ensure accurate risk assessments, clear reporting, and effective decision-making in evaluating creditworthiness.

What does an Entry Level Credit Analyst do?

An Entry Level Credit Analyst is responsible for evaluating the creditworthiness of individuals or companies by analyzing financial data and credit reports. They help determine the risk involved in lending money or extending credit and may assist in setting credit limits or recommending loan approvals. Their role often involves preparing financial spreadsheets, reviewing credit applications, and supporting senior analysts in making informed decisions. This position is a great starting point for those interested in finance or banking, offering valuable experience in risk assessment and financial analysis.

What is the difference between Entry Level Credit Analyst vs Credit Underwriter?

AspectEntry Level Credit AnalystCredit Underwriter
Required CredentialsBachelor's degree in finance, accounting, or related field; basic knowledge of credit analysisBachelor's degree; often additional certifications like CFA or credit-specific training
Work EnvironmentOffice setting, analyzing financial data, preparing reportsOffice setting, assessing credit applications, making approval decisions
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending companies, financial services
Common Search & Comparison IntentUnderstanding entry-level roles in credit analysisComparing roles involved in credit approval process

Entry Level Credit Analysts typically focus on analyzing financial data and preparing reports to support credit decisions, often with less responsibility than Credit Underwriters, who evaluate and approve credit applications. Both roles require similar educational backgrounds and are common in financial institutions, but Credit Underwriters usually have more decision-making authority and specialized training.

What are some common challenges faced by entry level credit analysts in their first year, and how can they overcome them?

Entry level credit analysts often encounter challenges such as adapting to complex financial analysis tools, understanding industry-specific credit risk factors, and managing a high volume of loan applications under tight deadlines. To overcome these obstacles, it's helpful to seek mentorship from experienced colleagues, proactively participate in training sessions, and regularly review credit policies and case studies. Collaboration with senior analysts and open communication with team members can also accelerate learning and ensure accurate credit assessments.
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What cities are hiring for Entry Level Credit Analyst jobs? Cities with the most Entry Level Credit Analyst job openings:
What are the most commonly searched types of Credit Analyst jobs? The most popular types of Credit Analyst jobs are:
What states have the most Entry Level Credit Analyst jobs? States with the most job openings for Entry Level Credit Analyst jobs include:
What job categories do people searching Entry Level Credit Analyst jobs look for? The top searched job categories for Entry Level Credit Analyst jobs are:
Entry Level Credit Analyst jobs near you
Infographic showing various Entry Level Credit Analyst job openings in the United States as of June 2026, with employment types broken down into 71% Full Time, 15% Part Time, 2% Temporary, 11% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.
Credit Analyst

Credit Analyst

Axos Bank

San Diego, CA

$20 - $27/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 7 days ago

Job description

Axos Bank

Target Range:

$20.00/Hr. - $27.00/Hr.

Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.

Eligible for an Annual Discretionary Cash Bonus Target: 12.5%Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 12.5%

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

Axos Bank's Mortgage Banking division is seeking a detail-oriented and analytically driven Credit Analyst to join our growing team. In this position, you will support the underwriting and credit review process for warehouse lines of credit extended to independent mortgage banks. You will help evaluate borrower financial strength, monitor collateral, and ensure compliance with Axos' credit policies.

Responsibilities:

  • Analyze financial statements, credit reports, and business performance data for independent mortgage banks and non-depository lenders seeking warehouse lines of credit.
  • Assist in underwriting new warehouse credit facilities and annual reviews of existing borrowers, including spreading financials and preparing credit memorandums.
  • Monitor borrower collateral positions by reviewing daily loan-level reports, aging schedules, and funding activity to identify concentration risks or covenant issues.
  • Collaborate with relationship managers and operations teams to support new facility onboarding and amendments.
  • Conduct quarterly loan reviews for warehouse borrowers, assessing financial performance, portfolio quality, and adherence to credit agreement covenants; escalate exceptions or potential covenant violations to senior credit officers in a timely manner.
  • Complete projects and process improvements as directed.

Qualifications:

  • Bachelor's degree in finance, Economics, Business, Accounting, or a related field (or equivalent experience)
  • 1+ years of experience in financial services, banking, lending, or a credit-related role
  • Basic understanding of credit analysis concepts, financial statements, and loan documentation
  • Proficiency in Microsoft Excel and other Office tools.
  • Strong mindfulness and ability to manage multiple files simultaneously.
  • Excellent written and verbal communication skills
  • Self-motivated with a desire to learn and grow within the mortgage industry.
  • Exposure to loan documentation, credit file management, or document tracking preferred.
  • Understanding of loan administration workflows, and mortgage banking industry
  • Internship or entry-level banking experience

Axos Employee Benefits May Include:

  • Medical, Dental, Vision, and Life Insurance

  • Paid Sick Leave, 3 weeks' Vacation, and Holidays (about 11 a year)

  • HSA or FSA account and other voluntary benefits

  • 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan

  • Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading

About Axos

Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We're a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers.

Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).

Learn more about working at Axos

Pre-Employment Background Check and Drug Test:

All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

Equal Employment Opportunity:

Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.

Job Functions and Work Environment:

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.

The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

E-Verify and Right to Work Notices

Axos participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States. The E-Verify program is an internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.

IER Right to Work Poster (English/Spanish)

E-Verify Participation Poster (English/Spanish)

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