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National Credit Systems Jobs (NOW HIRING)

First United Bank

Credit Analyst I

Frisco, TX · On-site

Six months experience with credit systems. * Knowledge of accounting sufficient to understand and ... national origin, or any other characteristic protected by law.

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National Credit Systems information

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$12

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$33

How much do national credit systems jobs pay per hour?

As of Jun 14, 2026, the average hourly pay for national credit systems in the United States is $23.36, according to ZipRecruiter salary data. Most workers in this role earn between $18.75 and $26.44 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Credit Analyst at a national credit systems company, and why are they important?

To thrive as a Credit Analyst, you need strong analytical abilities, attention to detail, and a background in finance, accounting, or economics, often supported by a relevant degree. Familiarity with credit scoring models, financial analysis software, and customer relationship management (CRM) systems is typically required. Excellent communication, problem-solving skills, and sound judgment help in assessing creditworthiness and negotiating with clients. These skills are crucial for minimizing risk, making informed lending decisions, and maintaining the financial health of the organization.

What is the difference between National Credit Systems vs Credit Analyst?

AspectNational Credit SystemsCredit Analyst
Primary RoleManage credit reporting, collections, and debt recovery for clientsAssess creditworthiness of individuals or companies to inform lending decisions
Required CredentialsTypically no specific certifications, but knowledge of credit reporting laws helpfulOften requires finance, accounting, or related certifications (e.g., CFA, CPA)
Work EnvironmentOffice-based, client-facing, often in financial services or debt collection firmsOffice setting, working with financial data and reports
Industry UsageUsed mainly in credit reporting agencies, debt collection, and financial servicesCommon in banking, lending institutions, and investment firms

While both roles operate within the financial industry, National Credit Systems focuses on credit reporting and debt recovery, whereas Credit Analysts evaluate credit risk to support lending decisions. Understanding these differences helps job seekers target the right roles based on their skills and career goals.

What are the main challenges faced by professionals working in National Credit Systems, and how can they be addressed?

Professionals in National Credit Systems often encounter challenges such as managing large volumes of sensitive financial data, ensuring regulatory compliance, and handling complex negotiations with clients or debtors. Staying updated with changing credit laws and developing strong communication and conflict resolution skills are essential for success. Collaborating closely with legal teams and leveraging advanced credit management software can help streamline processes and reduce errors.

What is National Credit Systems and what do they do?

National Credit Systems is a debt collection agency that specializes in recovering overdue payments, particularly for the multifamily housing industry such as apartment communities. They act as a third-party collector, attempting to recover debts on behalf of property owners and managers. If you have an account with them, it typically means you owe money to a landlord or property management company, and they have enlisted National Credit Systems to collect the outstanding balance. The agency may report collection accounts to credit bureaus, which can affect your credit score. It's important to communicate with them directly to resolve any debts or disputes.
Infographic showing various National Credit Systems job openings in the United States as of June 2026, with employment types broken down into 77% Full Time, 20% Part Time, 1% Temporary, and 2% Contract. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $48,586 per year, or $23.4 per hour.
Credit Analyst II

Credit Analyst II

First United Bank

Frisco, TX • On-site

Full-time

Posted 23 days ago

Job description

Join Our Team!
We have a great team of friendly, talented and inspiring people at First United. As a learning organization, we take pride in offering exciting opportunities for employees to grow and follow their passions. That's one of the many reasons First United has been voted as one of the top places to work in Oklahoma since 2009! Browse this page to find out more about the First United culture and the many benefits of working here. Then, use our "Get Started" section to take your first step to being a part of First United.
The Position
Job Title
Credit Analyst II
Job Description
SUMMARY
This position is responsible for analysis and monitoring the financial condition and credit worthiness of individuals and businesses applying for credit by using historical financial analysis and cash flow projections.
MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)
  • Analyzes all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and First United's files.
  • Prepares thorough and concise memo's, spread sheets, reports, summaries and opinions for Loan Officers on new, renewal and existing loans within established deadlines.
  • Effectively manages the bank's exposure to identified risks, and recommends appropriate structure for transaction in accordance with First United's credit policy.
  • Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner.
  • Establishes, reviews and updates new and existing loan files for the Bank on a regular basis.
  • Provides technical advice and assistance to Loan Officers.
  • Performs credit inquiries.

ADDITIONAL DUTIES AND RESONSIBILITIES
  • Effectively communicates with Loan Officers and Bank Management in a clear, accurate, and concise manner.
  • Generates solutions to problems and suggests alternative solutions when necessary.
  • Contributes to Bank-wide projects while following specific and detailed instructions in a timely manner.
  • Typically focuses on memos for relationships ranging from $500,000 to $2,000,000.
  • Creates and maintains solid working relationship with Loan Officers and other team members.
  • Ability to adhere to all company policies, core values and procedures.
  • Genuine interest in learning and working in the banking profession.
  • Dresses professionally.
  • Other duties as assigned.

EMPLOYEE SPECIFICATIONS
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 Work Experience
  • Bachelor's degree in Finance, Accounting or related field.
  • Minimum of 1- 4 years banking industry experience.
  • Six months experience with credit systems.
  • Knowledge of accounting sufficient to understand and analyze the relationships between the different financial statements, in order to produce a written analysis.

Technical/Functional Competencies
  • Strong financial analytical abilities, with knowledge of financial ratios.
  • Strong Excel skills.
  • Good interpersonal, technical, problem solving, and written communication skills needed for preparation of credit memos and analysis of financial statements.
  • Demonstrates initiative, judgment/discernment and self motivation to work with minimal supervision.
  • Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency.
  • Demonstrates dependability through good attendance and adherence to time lines and schedules.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.
All Locations:
Frisco-Preston Road
If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance.
First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.

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