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Junior Credit Officer Jobs (NOW HIRING)

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

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 ...

Bank of America

Credit Officer II

Miami, FL · On-site

Credit Officer I/II - Middle Market Commercial Banking Bank of America's Regional Middle Market ... Provide mentorship, coaching, and oversight to junior underwriting and analyst team members Core ...

Bank of America

Credit Officer II

Fort Lauderdale, FL · On-site

Credit Officer I/II - Middle Market Commercial Banking Bank of America's Regional Middle Market ... Provide mentorship, coaching, and oversight to junior underwriting and analyst team members Core ...

Bank of America

Credit Officer II

Fort Lauderdale, FL · On-site

Credit Officer I/II - Middle Market Commercial Banking Bank of America's Regional Middle Market ... Provide mentorship, coaching, and oversight to junior underwriting and analyst team members Core ...

ING Group

Director, Senior Credit Officer

New York, NY · On-site

Transaction Approval & Advice | Director, Senior Credit Officer | New York About ING : In Americas ... Educate and mentor colleagues ranging from junior account managers to senior bankers * Coordinate ...

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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 2, 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 is the highest paying job in credit?

The highest paying roles in credit typically include senior positions such as Credit Director or Chief Credit Officer, which require extensive experience, leadership skills, and often advanced certifications like CFA or CPA. These roles oversee credit risk management and strategy, and can offer salaries significantly higher than entry-level positions like Junior Credit Officer.

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.

How do you become a Credit Officer?

To become a Junior Credit Officer, candidates typically need a bachelor's degree in finance, accounting, or a related field. Gaining experience in credit analysis, developing strong analytical skills, and understanding financial statements are important; some roles may also require relevant certifications like the Credit Business Associate (CBA). Entry-level positions often require proficiency with financial software and good communication skills.

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.

Is a Credit Officer a stressful job?

A Junior Credit Officer role can involve stress due to the responsibility of assessing credit risk, meeting deadlines, and making critical financial decisions. The job often requires attention to detail, analytical skills, and working under pressure, especially during high-volume periods or when dealing with difficult cases.

What is the lowest position at a bank?

The lowest positions at a bank often include entry-level roles such as bank teller or customer service representative. These roles typically require minimal experience and serve as starting points for careers in banking, with opportunities for advancement through experience and additional training or certifications.
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 July 2026, with employment types broken down into 86% Full Time, and 14% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $52,462 per year, or $25.2 per hour.

VP - Senior Credit Officer Project Finance

Mitsubishi HC Capital America Inc

Norwalk, CT • On-site

$235K - $286K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 3 days ago

Job description

Position Overview:

Reviews, underwrites, and processes new Project Finance transactions in Specialty Finance, as well as managing the existing portfolio. The position holder has at least 8-10 years of experience in project finance. Assist in developing and training junior credit officers.

Commitment to Internal Control:

The incumbent accepts the responsibility for establishing and maintaining the internal control system associated with the essential duties and responsibilities of the functional areas that the incumbent manages.


Essential Duties and Responsibilities:

(List in order of time spent)

  • Participate in internal and external meetings as needed to support origination efforts.
  • Evaluate new business transactions on a timely basis in collaboration with the origination team, with a specific focus on Project Finance transactions within MHCAs strategic focus, e.g., renewables financing and datacenters.
  • Prepare and present initial prescreen memo, including project overview.
  • Review project contracts (incl. PPAs, construction, leasing, concession, O&M agreements) to assess legal, technical, operational and counterparty risks.
  • Review and challenge complex project finance models to test key assumptions, sensitivity, and stress scenarios.
  • Coordinate with sponsor contacts, agent banks, external counsel, and other third-party professionals as part of the diligence and documentation processes.
  • Prepare the underwriting memorandum, including structural analysis, debt service analysis, summary of key due diligence findings, risks/mitigants and financial analysis of key project stakeholders.
  • Make recommendation to the SVP - Chief Credit Officer – Specialty Finance, EVP – Chief Credit Officer, and other senior management regarding transactions for approval under local delegation, or for their recommendation for approval by International Credit Division of MHC/Tokyo. Presentation to local Credit Committee as required.
  • Manage the transaction documentation and closing/funding process, including finalization of deal terms and coordination with internal/external legal counsel, sales and operations teams; ensure that actual terms and conditions reflect credit approval.
  • Proactively monitor borrower financial performance including financial and reporting covenant compliance and identify any adverse trends to senior management. Prepare periodic rating reviews/updates and assist in internal reporting.
  • Monitor trends across targeted industry sectors to support deal origination.
  • Manage Salesforce records and information files for opportunities.

KPI’s (Key Performance Indicators):

  • Deals evaluated;
  • Deals completed (Fundings, Assets, and Fee Income);
  • Credit analysis quality;
  • Portfolio performance.


Management/Supervisory Responsibilities:
  • Management responsibility for 3-4 credit officers/portfolio managers/analysts on the team.
  • Develop and train junior credit analysts, e.g., as part of a deal team on new transaction underwriting.


Responsibility and Decision-Making Authority:
  • Credit assessment, structure, and transaction communication needs to be within company prepared guidelines.
  • Act independently; decision-making within MHCA policy.
  • Delegated credit authority within MHCA’s local credit delegation (if applicable for the business segment) based on years of experience in the segment.


Qualifications:

Knowledge, Skills, and Abilities:
  • In-depth knowledge of project finance industry, incl. expertise in financing of renewables and datacenters.
  • Strong credit analysis and financial modeling skills.
  • Extensive knowledge of structuring, underwriting, and documentation practices related to Project Finance transactions.
  • Advanced technical skills (Excel, PowerPoint, Word, etc.).
  • Excellent verbal and written communication skills. Adept at working with and presenting to senior level executives.
  • Strong interpersonal, organizational and communication skills.
  • Team player with a positive attitude.
  • Critical thinker that can look “out of the box” for solutions.
  • Time Management: ability to organize and manage multiple priorities and complete on a timely and accurate basis.
  • Have a clear understanding of MHCA’s credit policies and operational procedures.


Competencies:

  • Thinking Skills
    • Analytical ability
    • Ability to synthesize
    • Problem-solving
  • Communications
    • Ability to transmit information
    • Ability to listen
  • Interpersonal Relationships
    • Ability to work in a Team
  • Technical and Professional
    • Detail-oriented
    • Ability to work independently
  • Personal Qualities
    • Action-oriented
    • Resilient
    • Adaptability
    • Self-starter
  • Entrepreneurship
    • Business Acumen
    • Client-oriented

Education and Experience:
  • BS in Accounting, Finance or Economics or equivalent experience
  • CFA candidate Level II/III or charter holder preferred
  • Formal credit training, including financial modeling training (project finance)
  • Minimum 8-10 years of experience in project finance.


Licensing and Certification:
  • Not applicable


Tools and Equipment Used:

  • Personal computer, copier, phone, and other typical office equipment

Working Hours:

  • Hours may vary and will require some evening work; frequently requires working 40-45 hours/week depending on business needs

Travel:
  • Hours may vary and will require some evening work; frequently requires working 40-45 hours/week depending on business needs Occasional travel related to transactions and attendance at industry seminars.


Physical Demands:

  • Digital dexterity and hand/eye coordination in operation of office equipment
  • Light lifting and carrying of supplies, files, etc.
  • Ability to speak to and hear customers and/or other employees via phone or in person
  • Body motor skills sufficient to enable incumbent to move from one office location to another

The job description does not constitute an employment contract, implied or otherwise, other than an “at will” relationship and is subject to change by the employer as the needs of the employer and requirements of the job change.


The position is exempt and the salary will be between $235,700 and $286,300 with an opportunity to earn a discretionary annual bonus.

The salary range is determined and based on internal equity, market data/ranges, applicant's skills, prior relevant experience and education.

Additional benefits:

- Medical, Dental, and vision plans

- 401(k) and matching

- Paid Time Off

- Company Paid Life Insurance

- Employee Assistance Program

- Training and Development Opportunities

- Employee Discounts