ZipRecruiter

Log In

1

Junior Credit Officer Jobs (NOW HIRING)

Citizens Business 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 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 ...

Tnbankers

2607-3 Jr. Credit Officer

Chattanooga, TN · On-site

$65 - $95/hr

Prepares and completes Annual Reviews as designated by Sr. Credit Officer or Chief Credit Officer. Analyzes loan data on new, renewal and existing loans. Prepares spreadsheet, reports, summaries and ...

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 ...

Dahl Consulting

Credit Officer II

Fargo, ND

$72K - $100K/yr

Title : Credit Officer Location : Fargo, ND (Grand Forks also an option) Job Type : Permanent ... Prior experience mentoring junior credit professionals or supporting staff development initiatives.

Dahl Consulting

Credit Officer II

Fargo, ND · On-site

$72K - $100K/yr

Title : Credit Officer Location : Fargo, ND (Grand Forks also an option) Job Type : Permanent ... Prior experience mentoring junior credit professionals or supporting staff development initiatives.

Deutsche Bank AG

NY · On-site

$120 - $206/hr

... junior credit officers on transaction workflows, policy compliance, and regulatory changesProvide regular updates to senior management on portfolio performance and risk exposureHow You'll LeadLead ...

altbanq

Junior Credit Analyst

New York, 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 ...

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 ...

Xsolla

Head of Underwriting - Credit Fund

Build the bench: as the fund scales, hire and mentor the junior credit team - analysts, associates, and in time a portfolio/risk officer. Qualifications and Skills Experience * 7+ years in private ...

Xsolla

Head of Underwriting - Credit Fund

Build the bench: as the fund scales, hire and mentor the junior credit team - analysts, associates, and in time a portfolio/risk officer. Qualifications and Skills Experience * 7+ years in private ...

next page

Showing results 1-20

All JobsFinance and Insurance JobsCredit JobsCredit Manager JobsJunior Credit Officer Jobs

Junior Credit Officer information

See salary details

$19K

$52.5K

$88K

How much do junior credit officer jobs pay per year?

As of Sep 1, 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.

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 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.

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 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.

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 strong analytical abilities, attention to detail, and proficiency with financial software; some positions may also require prior internship experience in credit or lending departments.

Is a junior credit officer a stressful job?

A junior credit officer's job can be stressful due to the responsibility of assessing creditworthiness, meeting deadlines, and managing risk. The role often requires attention to detail, analytical skills, and working under pressure, especially in fast-paced financial environments.

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 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $52,462 per year, or $25.2 per hour.

Credit Officer III

Citizens Business Bank

Burbank, CA • On-site

$104K - $150K/yr

Other

This job post has expired today. Applications are no longer accepted.

Citizens Business Bank rating

8.8

Company rating: 8.8 out of 10

Based on 10 frontline employees who took The Breakroom Quiz

17th of 174 rated banks

Job description

Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.
SUMMARY
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.

SUPERVISORY RESPONSIBILITIES
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
The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
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 work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
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.

What Citizens Business Bank employees say

Pay

Benefits

Hours and flexibility

Workplace

Get the full story on Breakroom

Apply