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Junior Credit Analyst Jobs (NOW HIRING)

Capitol Bank

Senior Credit Analyst

Madison, WI · On-site

Mentor junior credit analysts by reviewing work, explaining credit concepts, and providing guidance on financial analysis and underwriting practices. * Interact by phone and in person with customers ...

Capitol Bank

Senior Credit Analyst

Madison, WI · On-site

Mentor junior credit analysts by reviewing work, explaining credit concepts, and providing guidance on financial analysis and underwriting practices. * Interact by phone and in person with customers ...

Capitol Bank

Senior Credit Analyst

Madison, WI · On-site

Mentor junior credit analysts by reviewing work, explaining credit concepts, and providing guidance on financial analysis and underwriting practices.Interact by phone and in person with customers ...

Provident Bank

Credit Analyst III - C&I

Morristown, NJ · On-site

$77K - $110K/yr

Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts. MINIMUM QUALIFICATIONS : * Bachelor's degree in Finance, Accounting or Economics. * Minimum ...

Provident Bank

Credit Analyst III - C&I

Paramus, NJ · On-site

$87K - $124K/yr

Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts. MINIMUM QUALIFICATIONS : * Bachelor's degree in Finance, Accounting or Economics. * Minimum ...

Provident Bank

Credit Analyst III - C&I

Paramus, NJ

$87K - $124K/yr

Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts. MINIMUM QUALIFICATIONS : * Bachelor's degree in Finance, Accounting or Economics. * Minimum ...

Community Bank

Credit Officer III

Ontario, CA · On-site

$104K - $150K/yr

May assist and train junior credit officers/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills. Essential duties and responsibilities include the ...

ConnectOne Bank

Senior Credit Analyst - C&I

Melville, NY · On-site

$110K - $125K/yr

Mentor and guide Credit Analysts and Junior Credit Analysts. * Assist in the annual financial statement follow-up to borrowers; track and monitor the Bank's receipt of this information. * Order flood ...

Provident Bank

Credit Analyst III - C&I

Morristown, NJ · On-site

$77K - $110K/yr

Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts. MINIMUM QUALIFICATIONS : * Bachelor's degree in Finance, Accounting or Economics. * Minimum ...

Provident Bank

Credit Analyst III - C&I

Morristown, NJ · On-site

$77K - $110K/yr

Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts. MINIMUM QUALIFICATIONS : * Bachelor's degree in Finance, Accounting or Economics. * Minimum ...

Provident Bank

Credit Analyst III - C&I

Iselin, NJ · On-site

$87K - $124K/yr

Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts. MINIMUM QUALIFICATIONS : * Bachelor's degree in Finance, Accounting or Economics. * Minimum ...

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Junior Credit Analyst information

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$15

$32

$53

How much do junior credit analyst jobs pay per hour?

As of Aug 18, 2026, the average hourly pay for junior credit analyst in the United States is $32.12, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $35.34 per hour, depending on experience, location, and employer.

What does a junior credit analyst do?

A Junior Credit Analyst is responsible for evaluating the creditworthiness of individuals or businesses applying for loans or credit. They analyze financial statements, credit reports, and other relevant data to assess risk and make recommendations to senior analysts or management. Their work helps financial institutions make informed lending decisions and manage credit risk effectively. Junior Credit Analysts often assist in preparing reports and maintaining client records while learning industry best practices.

What are the key skills and qualifications needed to thrive as a junior credit analyst?

To thrive as a Junior Credit Analyst, you need a strong foundation in financial analysis, accounting principles, and a bachelor's degree in finance, economics, or a related field. Familiarity with financial modeling tools, Excel, and risk assessment software is typically required, and some employers may prefer candidates with CFA Level I or similar certifications. Attention to detail, analytical thinking, and effective communication skills help you interpret data and convey credit risks to stakeholders. These skills are essential for making informed credit decisions that minimize risk and support the financial health of the organization.

What are some common challenges faced by a junior credit analyst in their first year on the job?

In their first year, Junior Credit Analysts often face the challenge of balancing a steep learning curve with the need to deliver accurate credit assessments. They must quickly become familiar with financial statement analysis, risk assessment tools, and internal credit policies. Additionally, coordinating with senior analysts and client relationship managers requires strong communication skills and attention to detail. Overcoming these initial hurdles helps build a solid foundation for career growth and expertise in credit analysis.

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

AspectJunior Credit AnalystCredit Analyst
Required CredentialsBachelor's degree, some certifications (e.g., CFA Level I)Bachelor's degree, often with certifications like CFA or credit-specific courses
Work EnvironmentEntry-level, supportive team, training-focusedMore independent, analytical, client-facing responsibilities
Employer & Industry UsageFinancial institutions, banks, credit agenciesFinancial institutions, banks, credit departments
Common Search & ComparisonYesYes

The main difference between a Junior Credit Analyst and a Credit Analyst lies in experience and responsibility level. Junior Credit Analysts are entry-level, focusing on supporting senior staff with basic credit assessments, while Credit Analysts handle more complex analysis and decision-making. Both roles require similar educational backgrounds and certifications, but the Credit Analyst position involves greater independence and analytical depth.

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Junior Credit Analyst jobs near you
Infographic showing various Junior Credit Analyst job openings in the United States as of August 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $66,802 per year, or $32.1 per hour.

Senior Credit Analyst

Commercial Banking Company

Valdosta, GA • On-site

Full-time

Posted 8 days ago

Job description

General Description
This is a support role to the lending/credit function of the bank. It is a very analytical position, requiring review of both personal and corporate financial statements, credit reports, appraisals, tax returns, market information, real estate & lien filings, online searches and internal reports for the investigation and analysis of credit risks.
RESPONSIBILITIES
  • Analysis of new and renewal loan requests, including assessment of loan purpose, pricing, collateral, business financial statements, projections (if necessary), personal financial statements, satisfactory repayment structure and stability, strengths, and weaknesses.
  • Proficiently develops narrative credit memos that document financial underwriting supporting the underlying credit.
  • Reviews existing loan relationships, including assessments found in new analysis, plus documentation review.
  • Present and collaborate with loan officers to help the bank arrive at good credit decisions.
  • Recommend loan grades and/or questions to help arrive at a grade recommendation, on both analysis of new relationships and reviews of existing relationships.
  • Compose memorandums to update loan files.
  • Provides advice and assistance to loan officers as needed, which may include meeting with customers and the construction of commitment letters.
  • Mentor junior Credit Analyst.
  • Assist with collection efforts (repossessions, foreclosures, bankruptcies, etc).
  • Perform annual loan reviews as assigned by management to update credit files with the most current financial analysis.
  • Assist loan officers with the periodic preparation of reports such as quarterly substandard loan reviews.
  • Assist in the calculation of the Allowance for Loan and Lease Loss Reserve (ALLL) and making recommendations to executive management and the Board of Directors for monthly allocations.
  • Assist in monitoring the lending portfolio to ensure that staff and lenders operate in accordance with applicable laws and regulations, as well as the bank policies and procedures as approved by the Board of Directors.
  • Assist in maintaining, updating, and recommending changes to the Bank's loan policy as it pertains, but not limited to, underwriting criteria, loan authorities, structure requirements, pricing guidelines, collections, and charge-offs.
  • Prepare analysis on larger credit relationships.
  • Communicate with auditors, examiners, and loan review consultants to help provide information and resolve any documentation exceptions.
  • Other advanced duties as assigned by the COO.

REQUIRED SKILLS, EXPERIENCE, AND EDUCATION
  • Bachelor's degree in business related field (Accounting or Finance).
  • 5+ years of experience in commercial credit analysis, commercial credit underwriting, and/or commercial lending required.
  • Knowledge of banking procedures and regulations.
  • Self-motivated.
  • Punctual and reliable.
  • Maintains a neat, well-groomed professional appearance.
  • Demonstrates strong interpersonal skills, communicates effectively, and has the ability to work successfully in a team environment.
  • Good working knowledge of Microsoft Word, Excel, and Outlook. Good technical skills.
  • Good organizational skills & analytical skills.
  • Excellent written and oral communication skills.
  • Ability to learn and multitask efficiently.
  • Possesses an attitude of cooperation and a continual motivation to learn.

Commercial Banking Company is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, color, gender, sex, religion, national origin, disability, genetic information, sexual orientation, gender identity, pregnancy, veteran status, or any other characteristic protected by local, state, or federal law.
All applicants must be able to pass the following screens:
  • Background
  • Credit
  • Drug Screen

Apply