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Junior Credit Officer Jobs (NOW HIRING)

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 ...

Community Bank

Credit Officer III

Burbank, 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 ...

Community Bank

Credit Officer II

Santa Fe Springs, CA · On-site

$87K - $124K/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 * Complies ...

FirsTrust

Credit Officer

Conshohocken, PA · On-site

Job Title: Credit Officer The Credit Officer is responsible for independently underwriting ... Provide guidance and mentorship to Relationship Managers, Portfolio Managers, and junior credit ...

Firstrust Bank

Credit Officer

Conshohocken, PA · On-site

The Credit Officer is responsible for independently underwriting, approving, and managing credit ... Provide guidance and mentorship to Relationship Managers, Portfolio Managers, and junior credit ...

Firstrust Bank

Credit Officer

Conshohocken, PA · On-site

The Credit Officer is responsible for independently underwriting, approving, and managing credit ... Provide guidance and mentorship to Relationship Managers, Portfolio Managers, and junior credit ...

altbanq

Junior Credit Analyst

Manhattan, NY · On-site

Junior Credit Analyst Altbanq | Midtown Manhattan (On-Site) The Junior Credit Analyst at Altbanq is ... You'll work closely with experienced underwriters and the Chief Risk Officer, gaining exposure to ...

altbanq

Junior Credit Analyst

Manhattan, NY · On-site

$65K - $85K/yr

Junior Credit Analyst Altbanq | Midtown Manhattan (On-Site) The Junior Credit Analyst at Altbanq is ... You'll work closely with experienced underwriters and the Chief Risk Officer, gaining exposure to ...

Citigroup Inc

Commercial Credit Officer

Chicago, IL · On-site

Commercial Credit Officer Citi is looking for a Commercial Credit Officer to take ownership of ... Mentor and develop junior credit professionals, sharing technical expertise and contributing to ...

Bank of America

Credit Officer II

West Palm Beach, FL · On-site

Credit Officer II Fort Lauderdale, Florida;West Palm Beach, Florida; Miami, Florida To proceed with ... Provide mentorship, coaching, and oversight to junior underwriting and analyst team members Core ...

Bank of America

Credit Officer II

Miami, FL · On-site

Credit Officer II Fort Lauderdale, Florida;West Palm Beach, Florida; Miami, Florida To proceed with ... Provide mentorship, coaching, and oversight to junior underwriting and analyst team members Core ...

Bank of America

Credit Officer II

Lauderdale Lakes, FL · On-site

Credit Officer II Fort Lauderdale, Florida;West Palm Beach, Florida; Miami, Florida To proceed with ... Provide mentorship, coaching, and oversight to junior underwriting and analyst team members Core ...

Citigroup Inc

Commercial Credit Officer

Irving, TX · On-site

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and ... Mentor and develop junior credit professionals, sharing technical expertise and contributing to ...

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Junior Credit Officer information

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$19K

$52.5K

$88K

How much do junior credit officer jobs pay per year?

As of Aug 7, 2026, the average yearly pay for junior credit officer in the United States is $52,462.00, according to ZipRecruiter salary data. Most workers in this role earn between $36,000.00 and $57,500.00 per year, depending on experience, location, and employer.

How do I become a junior credit officer?

To become a junior credit officer, candidates typically need a bachelor's degree in finance, accounting, or a related field. Relevant skills include understanding credit analysis, financial statement evaluation, and proficiency with credit risk assessment tools; some positions may also require prior internship experience in finance or banking. Entry-level roles often involve on-the-job training and may require strong analytical and communication skills.

What are the key skills and qualifications needed to thrive as a junior credit officer, and why are they important?

To succeed as a Junior Credit Officer, you need a solid grasp of financial analysis, risk assessment, and a relevant degree in finance, accounting, or economics. Familiarity with credit management software, Microsoft Excel, and knowledge of regulatory frameworks are typically required. Strong attention to detail, analytical thinking, and effective communication help you evaluate creditworthiness and interact with clients. These skills are essential to ensure responsible lending practices, minimize risk, and support the financial health of the organization.

What are some common challenges faced by junior credit officers when assessing loan applications?

Junior Credit Officers often encounter challenges such as evaluating incomplete or inconsistent financial data, distinguishing between high-risk and low-risk applicants, and staying updated on changing lending regulations. Another common challenge is balancing customer service with risk management, as they need to support applicants while ensuring the bank’s interests are protected. Strong analytical skills, attention to detail, and effective communication with both clients and senior credit staff are key to overcoming these obstacles.

Is a junior credit officer a stressful job?

A junior credit officer role involves assessing creditworthiness and managing loan applications, which can be stressful due to deadlines, accuracy requirements, and the responsibility of minimizing financial risk. The job often requires attention to detail, analytical skills, and sometimes working under pressure, especially during busy periods or when making critical decisions.

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

AspectJunior Credit OfficerCredit Analyst
Required CredentialsBachelor's degree in finance, accounting, or related field; some certifications preferredBachelor's degree in finance, economics, or related field; certifications like CFA beneficial
Work EnvironmentBanking or financial institutions, assessing client creditworthinessFinancial firms, analyzing credit data and financial statements
Employer & Industry UsageCommonly employed in banks and lending institutionsUsed across banks, credit agencies, and investment firms
Comparison Search IntentYes, often compared for entry-level credit rolesYes, similar roles but with a focus on analysis

The Junior Credit Officer and Credit Analyst roles share similar educational backgrounds and work environments, focusing on credit assessment. The Junior Credit Officer typically handles initial credit evaluations and client interactions, while the Credit Analyst conducts detailed financial analysis to inform lending decisions. Both roles are essential in the credit process but differ in scope and responsibilities.

What are the main responsibilities of a junior credit officer?

A Junior Credit Officer is responsible for assisting in the evaluation and approval of credit applications, monitoring existing credit accounts, and ensuring compliance with the institution's credit policies. They typically analyze financial information, assess creditworthiness, and prepare reports for senior officers. In addition, they may interact with clients to gather necessary documentation and help resolve credit-related issues. Their role is crucial in minimizing financial risk and supporting the overall lending process within a bank or financial institution.
What cities are hiring for Junior Credit Officer jobs? Cities with the most Junior Credit Officer job openings:
What are the most commonly searched types of Credit Officer jobs? The most popular types of Credit Officer jobs are:
What states have the most Junior Credit Officer jobs? States with the most job openings for Junior Credit Officer jobs include:
Junior Credit Officer jobs near you
Infographic showing various Junior Credit Officer job openings in the United States as of August 2026, with employment types broken down into 94% Full Time, and 6% Part Time. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $52,462 per year, or $25.2 per hour.

Credit Officer III

Community Bank

Ontario, CA • On-site

$104K - $150K/yr

Other

Re-posted 3 days ago

Job description

Credit Officer III

The Credit Officer III has prior experience and expertise in credit analysis, with an understanding and ability to handle financial statement, tax return and cash flow analysis for businesses and individuals. Based on the credit request and analysis of the business or individual, the Credit Officer provides the bank with an accurate, clear and concise written credit request (report of Credit Extended- RCE). The Credit Officer III will have the ability to work on the most complex credits. 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 following:

  • Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
  • Provide, present and promote The Citizens Experience to all external and internal customers.
  • Review credit request/file for completeness.
  • Spread financial statement and/or tax returns.
  • Evaluate a credit request and formulate questions, if necessary to complete Report of Credit Extended (RCE).
  • Prepare an accurate, clear and concise RCE.
  • If credit request does not fit within the bank's standard lending policy and procedures, refer to other bank departments.
  • Discuss credit requests with branch personnel and Credit Management Division.
  • Assist and/or train junior credit officer/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills.
  • Other duties may be assigned.

This job has no supervisory responsibilities.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or experience: Bachelor's degree (B.A) from four year college or university; a minimum of ten years related experience and/or training; or equivalent combination of education and experience. A Master's Degree or equivalent is preferred.

Language skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

Physical demands: While performing the duties of this job, the associate is regularly required to sit and talk or hear. The associate frequently is required to use hands to finger, handle, or feel. The associate is occasionally required to walk and reach with hands and arms. The associate must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Work environment: The noise level in the work environment is usually moderate.

Salary Range: $104,061.00 To $150,888.00 Annually. Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.

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