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Junior Credit Officer Jobs (NOW HIRING)

Capitol Bank

Senior Credit Analyst

Madison, WI · On-site

The position reports to a Chief Credit Officer and supports the Bank's credit policies, risk ... Mentor junior credit analysts by reviewing work, explaining credit concepts, and providing guidance ...

Capitolbank

Senior Credit Analyst

Madison, WI · On-site

$90 - $110/hr

The position reports to a Chief Credit Officer and supports the Bank's credit policies, risk ... Mentor junior credit analysts by reviewing work, explaining credit concepts, and providing guidance ...

Capitol Bank

Senior Credit Analyst

Madison, WI

The position reports to a Chief Credit Officer and supports the Bank's credit policies, risk ... Mentor junior credit analysts by reviewing work, explaining credit concepts, and providing guidance ...

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Junior Credit Officer information

See salary details

$19K

$52.5K

$88K

How much do junior credit officer jobs pay per year?

As of Sep 4, 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.

Senior Credit Analyst

Collins Community Credit Union

Cedar Rapids, IA • On-site

Full-time

Posted 9 days ago

Job description

At our Credit Union, we are committed to helping businesses and members succeed while maintaining a strong, well-managed loan portfolio. We are seeking a highly analytical and detail-oriented Senior Credit Analyst to support commercial lending through comprehensive financial analysis, credit underwriting, risk assessment, and portfolio monitoring.

This position plays a critical role in evaluating commercial credit opportunities, supporting loan structuring decisions, identifying emerging risks, and maintaining the quality of the Credit Union's commercial loan portfolio. The Senior Credit Analyst serves as a trusted partner to Loan Officers and management while providing mentorship and guidance to junior credit staff.

What You'll Do Commercial Credit Analysis & Underwriting
  • Analyze commercial loan requests and provide independent credit recommendations based on financial performance, collateral position, industry trends, and overall credit risk.
  • Prepare detailed financial statement spreads, cash flow analyses, risk assessments, and comprehensive Credit Memo Presentations utilizing approved underwriting tools and software.
  • Evaluate borrower repayment capacity through analysis of financial statements, tax returns, debt service coverage, liquidity, leverage, and profitability metrics.
  • Assign and monitor risk ratings and evaluate covenant compliance.
  • Identify strengths, weaknesses, opportunities, and risks within borrower relationships and industries.
Loan Structuring & Portfolio Management
  • Partner with Loan Officers to structure commercial lending relationships that appropriately balance member needs, portfolio objectives, and risk management standards.
  • Monitor existing commercial credit relationships and proactively identify emerging risks.
  • Recommend corrective actions, risk mitigation strategies, loan modifications, or workout solutions when necessary.
  • Prepare portfolio monitoring reports and credit risk analyses for management, Loan Committee, and other stakeholders.
  • Track pipeline activity, covenant compliance, collateral requirements, and financial reporting through loan origination and portfolio management systems.
Collateral & Credit Administration
  • Review commercial loan files to ensure complete and accurate documentation.
  • Conduct collateral evaluations and value verification for real estate, equipment, inventory, accounts receivable, and other pledged assets.
  • Review appraisals to ensure compliance with regulatory requirements, internal policies, and sound lending practices.
  • Assist in ensuring loans are properly documented, perfected, and administered throughout their lifecycle.
  • Maintain accurate credit files and support ongoing loan administration processes.
Relationship Monitoring & Field Reviews
  • Conduct borrower meetings, site visits, collateral inspections, and floor plan reviews to validate business operations and collateral condition.
  • Monitor portfolio performance and borrower financial trends to identify early warning indicators.
  • Assist with managing problem credits, loan workout strategies, and collection efforts when needed.
Leadership & Team Support
  • Provide training, guidance, and mentorship to junior credit analysts and support staff.
  • Promote consistency in underwriting, portfolio management, and credit administration practices.
  • Serve as a department resource and team lead in the absence of the Credit Manager.
  • Participate in departmental initiatives, process improvements, and special projects.
  • Attend and contribute to Loan Committee meetings by presenting analyses and credit recommendations.
Policy, Compliance & Risk Management
  • Maintain thorough knowledge of the Credit Union's Loan Policy, underwriting standards, and regulatory requirements.
  • Support the development and maintenance of credit policies, procedures, and risk management practices.
  • Ensure compliance with all applicable regulations, internal controls, and lending standards.
  • Contribute to a culture of sound credit administration and prudent risk management.

Ready to take the first step?

We offer a competitive salary, generous time off, paid holidays and a benefits package with extensive coverage options, along with a supportive and positive work environment. Apply today and start your rewarding career with us!

Collins Community Credit Union is an EEO Employer. M/F/Veteran/Disability. We strongly encourage minorities, veterans, and individuals with disabilities to apply for career opportunities with the Credit Union. We are an E-Verify Employer.

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