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Junior Credit Analyst Jobs (NOW HIRING)

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 ...

ConnectOne Bank

Senior Credit Analyst - C&I

Melville, NY · Hybrid

$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 ...

ConnectOne Bank

Senior Credit Analyst - C&I

Newark, NJ · 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 ...

UW Credit Union

Senior Credit Analyst

Madison, WI · On-site

Serve as a resource to junior staff for technical questions, work review, and departmental guidance. Development & Training * Engage in internal and external learning of credit and financial analysis ...

ConnectOne Bank

Senior Credit Analyst - C&I

Newark, NJ · Hybrid

$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 ...

UW Credit Union

Senior Credit Analyst

Madison, WI · On-site

$38.39 - $42.50/hr

Serve as a resource to junior staff for technical questions, work review, and departmental guidance. Development & Training * Engage in internal and external learning of credit and financial analysis ...

UW Credit Union

Senior Credit Analyst

Madison, WI · On-site

$38.39/hr

Serve as a resource to junior staff for technical questions, work review, and departmental guidance. Development & Training * Engage in internal and external learning of credit and financial analysis ...

First County Bank

Credit Analyst II

Stamford, CT · On-site

$67K - $105K/yr

We are currently looking for a Credit Analyst to join our Credit Administration team! This ... Mentor junior staff regarding underwriting techniques, writing style, credit administration, and ...

First County Bank

Credit Analyst II

Stamford, CT

We are currently looking for a Credit Analyst to join our Credit Administration team! This ... Mentor junior staff regarding underwriting techniques, writing style, credit administration, and ...

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Junior Credit Analyst information

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How much do junior credit analyst jobs pay per hour?

As of Aug 19, 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.

Credit Products Specialist Sr-Specialized

Flagstar Bank

Remote

Full-time

Medical, Dental, Vision, Life

Re-posted 19 days ago

Job description

Position Title
Credit Products Specialist Sr-Specialized
Location
Nationwide, MI 48098
Job Summary
The Senior Credit Products Specialist - Specialized is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships. This role influences credit strategy by providing deep market insights, proactive risk identification, and innovative deal structuring solutions. With extensive experience in credit analysis and portfolio management, this position ensures long-term portfolio health while supporting the bank's growth objectives. Additionally, this role serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management.
Job Responsibilities:
JOB RESPONSIBILITIES
  • Complex Credit Structuring & Underwriting: Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs with the assigned specialized vertical or region.
  • Portfolio Strategy & Risk Oversight: Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
  • Client & Executive Leadership Engagement: Serve as a strategic partner to sales and senior leadership, offering expertise in credit negotiations and deal execution.
  • Credit Agreement Negotiation: Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
  • Team Leadership & Mentorship: Mentor junior credit professionals, providing training and leadership in credit risk best practices. Proactively identifies and raises to senior leadership improvement areas in credit processes and procedures.
  • Uses independent judgement and discretion to make decisions regarding assigned portfolio
  • Analyzes and resolves problems pertaining to the assigned portfolio.

ADDITIONAL ACCOUNTABILITIES
  • Performs special projects, and additional duties and responsibilities as required.
  • Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.

JOB REQUIREMENTS
Required Qualifications:
  • Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience
  • Minimum experience required: 8+ Years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis
  • 8+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)
  • Deep expertise in structuring and negotiating complex credit agreements.
  • Strong leadership skills with the ability to influence credit strategy and policy.
  • In-depth understanding of macroeconomic factors and their impact on credit risk.
  • Proven ability to manage large portfolios and advise senior executives.
  • Exceptional communication and stakeholder management skills.
  • As relevant for the supported line of business, well versed in legal documentation (e.g., Credit Agreements) and positioned to both develop more junior associates on the topic, interact with internal and external legal counsel, and negotiate directly with clients.

Preferred Qualifications:
  • Education level preferred: Master's Degree (or Postgraduate equivalent) MBA or CFA preferred.

Job Competencies:
  • Strategic Credit Expertise: Deep knowledge of complex commercial lending structures, industry trends, and economic factors impacting credit risk.
  • High-Level Risk Oversight: Ability to assess portfolio risk at a macro level, identifying patterns and trends that inform credit strategy.
  • Client & Executive Engagement: Strong ability to interact with senior leadership, legal teams, and high-profile clients on structuring and negotiating credit agreements.
  • Deal Structuring & Negotiation: Expertise in negotiating complex loan terms, partnering with legal counsel and senior RMs to finalize agreements.
  • Leadership & Mentorship: Serves as a mentor to junior credit professionals, developing talent and fostering a strong credit culture.
  • Change Management & Innovation: Identifies opportunities for process improvement, technology adoption, and best practice implementation.
  • Regulatory & Policy Knowledge: Deep understanding of credit policies, compliance standards, and legal considerations in lending.
  • Executive-Level Communication: Ability to articulate complex credit decisions clearly and persuasively to internal and external stakeholders.
  • Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
  • Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.
  • Physical demands (ADA): No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer
We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | Flagstar Bank
Pay Range
$123,524.25 - $198,417.00
Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as appliable.

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