ZipRecruiter

Log In

1

Jr Credit Analyst Jobs in Decatur, GA (NOW HIRING)

US Bank

ACL Reporting Team Lead

Atlanta, GA · On-site

Work with Jr analysts to maintain method documentation, including development and monitoring ... credit expense reporting - Effective presentation, verbal and written communication skills ...

New

All JobsJr Credit Analyst JobsJr Credit Analyst Jobs in Decatur, GA

Jr Credit Analyst information

See Decatur, GA salary details

$14

$29

$47

How much do jr credit analyst jobs pay per hour?

As of Aug 29, 2026, the average hourly pay for jr credit analyst in Decatur, GA is $29.22, according to ZipRecruiter salary data. Most workers in this role earn between $22.55 and $32.84 per hour, depending on experience, location, and employer.

What is a Jr Credit Analyst?

Jr Credit Analysts are entry-level finance professionals who evaluate the creditworthiness of individuals or businesses seeking loans or credit. They assist in analyzing financial statements, assessing risk, and preparing reports to help their organization make informed lending decisions. Typically, they work under the supervision of senior credit analysts or managers, gaining experience and developing their analytical skills. Jr Credit Analysts play a crucial role in minimizing financial risk for banks, credit unions, or other lending institutions.

What are the key skills and qualifications needed to thrive as a Jr Credit Analyst, and why are they important?

To thrive as a Jr Credit Analyst, you need strong analytical skills, a solid understanding of financial statements, and at least a bachelor’s degree in finance, accounting, or a related field. Familiarity with credit analysis software, Microsoft Excel, and sometimes certifications like CFA Level I can be advantageous. Attention to detail, effective communication, and the ability to manage multiple tasks are standout soft skills in this role. These skills are crucial for accurately evaluating creditworthiness, supporting sound lending decisions, and maintaining risk management standards.

What are some common challenges faced by a Jr Credit Analyst, and how can they be addressed?

Jr Credit Analysts often encounter challenges such as managing tight deadlines for credit evaluations, adapting to evolving credit policies, and interpreting complex financial data from clients. To address these, it's helpful to develop strong organizational skills, seek mentorship from senior analysts, and stay updated on industry trends and best practices. Additionally, collaborating closely with team members in underwriting and risk departments can provide valuable insights and improve the quality of credit assessments.

What is the difference between Jr Credit Analyst vs Credit Analyst?

AspectJr Credit AnalystCredit Analyst
Required CredentialsAssociate's degree or bachelor's in finance, accounting, or related fieldBachelor's degree often required; some roles prefer or require certifications like CFA or credit analysis courses
Work EnvironmentEntry-level, supportive team setting, often in banks, financial institutions, or corporate financeMore independent, analytical role with increased responsibility in assessing creditworthiness
Employer & Industry UsageCommon in banking, lending, and financial services for entry-level positionsUsed across similar industries, often as a mid-level role with more complex analysis tasks

The main difference between a Jr Credit Analyst and a Credit Analyst lies in experience and responsibility. Jr Credit Analysts typically handle basic credit assessments under supervision, while Credit Analysts perform more detailed evaluations and make independent recommendations. Both roles are essential in financial institutions, with the Credit Analyst position generally requiring more experience and expertise.

What job categories do people searching Jr Credit Analyst jobs in Decatur, GA look for?

The top searched job categories for Jr Credit Analyst jobs in Decatur, GA are:

What cities near Decatur, GA are hiring for Jr Credit Analyst jobs?

Cities near Decatur, GA with the most Jr Credit Analyst job openings:

Jr Credit Analyst jobs near you
Infographic showing various Jr Credit Analyst job openings in Decatur, GA as of June 2026, with employment types broken down into 97% Full Time, 2% Part Time, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $60,770 per year, or $29.2 per hour.

ACL Reporting Team Lead

US Bank

Atlanta, GA • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted yesterday

New

U.S. Bank rating

8.2

Company rating: 8.2 out of 10

Based on 362 frontline employees who took The Breakroom Quiz

52nd of 173 rated banks

Job description

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

Job Description

The ACL Reporting Team Lead is responsible for leading and supporting key analytical and reporting activities in support of the allowance for credit losses (ACL), including mentoring junior analysts, overseeing quarter-end allowance results reporting, and ensuring accurate journal entries and external reporting schedules.

This is an active leadership role that will drive operational process improvements and modernization initiatives across the allowance for credit loss team that support workflow efficiency, transparency of results, reduced operational risks and adherence to accounting standards.

  • Help direct junior analysts on the team and provide first line detailed reviews

  • Ensure quarter end allowance results are appropriately recorded, including overseeing journal entries, and external reporting

  • Support effective management of estimation methods pursuant to various risk management programs and ensure compliance with those policies.

Responsibilities

Specific duties include coordinating quarter-end ACL recording, preparing and reviewing provision journal entries, conducting reserve analyses for other assets, and reviewing key control schedules. The analyst provides first-line review and guidance for junior team members, supports compliance with various risk and reporting requirements, and ensures the accurate and timely completion of all related processes.

  • Effect changes to reporting data sources or methods to maintain adherence to regulatory / accounting guidance changes

  • Maintain attribution of changes and bottom-up support for quarterly ACL balances

  • Maintain documentation of CCAR methods and controls related to ACL

  • Lead communications and documentation to support design and audit of ACL process controls assigned to reporting processes

  • ACL subject matter expert for all method/EUCT compliance questions. Liaison in charge of coordinating with MRG (models), FRR (QEAs) and Credit Reporting (EUCTs) for validations, annual reviews, method changes, etc. related to methods owned by the ACL team

  • Primary method owner for select methods/EUCTs owned by the ACL team. Work with Jr analysts to maintain method documentation, including development and monitoring documents, and address validation feedback.

Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically more than eight years of applicable experience

Preferred Skills/Experience

- Certified Public Accountant (CPA)

- Considerable knowledge of regulatory and financial accounting guidance relevant to CCAR / CECL and credit expense reporting

- Effective presentation, verbal and written communication skills

- Ability to work effectively with individuals and groups in generating credit reporting and explaining drivers of results

- Ability to assess process flows and identify key risks and risk mitigants

- Understanding of key credit performance ratios

- Knowledge of bank lending products, lending structures and risk management models

This role requires working from a U.S. Bank location three (3) or more days per week.

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to ourdisability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

  • Healthcare (medical, dental, vision)

  • Basic term and optional term life insurance

  • Short-term and long-term disability

  • Pregnancy disability and parental leave

  • 401(k) and employer-funded retirement plan

  • Paid vacation (from two to five weeks depending on salary grade and tenure)

  • Up to 11 paid holiday opportunities

  • Adoption assistance

  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about theE-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $119,765.00 - $140,900.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.

What U.S. Bank employees say

Pay

Benefits

Hours and flexibility

Workplace

Get the full story on Breakroom

U.S. Bank logo

About U.S. Bank

Sourced by ZipRecruiter

U.S. Bank is a reputable and established financial institution that plays a significant role in the banking sector. With a history spanning over 150 years, U.S. Bank has built a strong foundation of trust and reliability. As a comprehensive bank, they offer a wide array of financial products and services to cater to the diverse needs of their customers, including individuals, businesses, and communities. Customer satisfaction is of utmost importance to U.S. Bank. They prioritize delivering exceptional service and fostering long-term relationships with their clients. Through their extensive network of branches and advanced digital banking platforms, U.S. Bank ensures convenient access to their services, empowering customers to manage their finances efficiently and securely.

Industry

Banking and credit intermediation

Company size

10,000+ Employees

Headquarters location

Minneapolis, MN, US

Year founded

1863

Social media

FacebookTwitter

View All U.S. Bank Jobs

Apply