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Remote Credit Analyst Jobs in Boca Raton, FL (NOW HIRING)

micro1 AI

Revenue Operations Manager - Remote

Miramar, FL · Remote

$130K - $180K/yr

We value team members who bring sharp analytical instincts, a bias toward action, and a commitment ... credit holds, and contract discrepancies in a timely manner * Prepare and deliver weekly and ...

micro1 AI

Accounts Receivable Manager - Remote

Davie, FL · Remote

$130K - $180K/yr

We value team members who bring sharp analytical instincts, a bias toward action, and a commitment ... credit holds, and contract discrepancies in a timely manner * Prepare and deliver weekly and ...

micro1 AI

Accounts Receivable Manager - Remote

Sunrise, FL · Remote

$130K - $180K/yr

We value team members who bring sharp analytical instincts, a bias toward action, and a commitment ... credit holds, and contract discrepancies in a timely manner * Prepare and deliver weekly and ...

micro1 AI

Revenue Operations Manager - Remote

Davie, FL · Remote

$130K - $180K/yr

We value team members who bring sharp analytical instincts, a bias toward action, and a commitment ... credit holds, and contract discrepancies in a timely manner * Prepare and deliver weekly and ...

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All JobsCredit Analyst JobsRemote Credit Analyst JobsRemote Credit Analyst Jobs in Boca Raton, FL

Remote Credit Analyst information

See Boca Raton, FL salary details

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$28

$46

How much do remote credit analyst jobs pay per hour?

As of Jul 15, 2026, the average hourly pay for remote credit analyst in Boca Raton, FL is $28.50, according to ZipRecruiter salary data. Most workers in this role earn between $21.97 and $32.07 per hour, depending on experience, location, and employer.

What Does a Remote Credit Analyst Do?

As a remote credit analyst, your responsibilities are to assess the creditworthiness of customers or potential customers. Your duties include providing analysis on the credit history of a customer, assessing previous loans, determining their level of risk, and recommending a specific line of credit if they qualify. Many home-based credit analysts evaluate credit risk for specific Industries, including real estate and banking. In addition to assessing those seeking lines of credit or loans, you may also provide periodic reviews of customer credit. This includes pulling credit scores and contacting customers.

What is a Remote Credit Analyst?

A Remote Credit Analyst is a financial professional who evaluates the creditworthiness of individuals or businesses from a remote location, often working from home. Their main responsibilities include analyzing financial statements, reviewing credit reports, assessing risk factors, and making recommendations regarding loan approvals or credit limits. They use various tools and software to perform their tasks efficiently and communicate findings to clients or internal teams. Remote Credit Analysts are commonly employed by banks, financial institutions, and credit agencies, and they rely heavily on digital communication and data analysis.

What are some common challenges faced by remote credit analysts, and how can they be effectively managed?

Remote credit analysts often face challenges such as maintaining clear communication with colleagues and accessing up-to-date client information. To address these issues, it's essential to proactively schedule regular check-ins with team members and utilize secure, cloud-based platforms for document sharing and data analysis. Building strong digital collaboration habits and staying organized can help ensure smooth workflows and accurate risk assessments, even while working remotely.

What are the key skills and qualifications needed to thrive as a Remote Credit Analyst, and why are they important?

To thrive as a Remote Credit Analyst, you need strong analytical skills, financial acumen, and a relevant degree in finance, accounting, or economics. Familiarity with financial modeling software, credit risk assessment tools, and CRM systems is typically required, along with certifications such as CFA or FRM being advantageous. Excellent communication, attention to detail, and self-motivation are vital soft skills for remote collaboration and independent work. These competencies enable accurate credit evaluations, effective risk management, and strong client relationships in a remote work environment.
More about Remote Credit Analyst jobs
What are the most commonly searched types of Credit Analyst jobs in Boca Raton, FL? The most popular types of Credit Analyst jobs in Boca Raton, FL are:
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What job categories do people searching Remote Credit Analyst jobs in Boca Raton, FL look for? The top searched job categories for Remote Credit Analyst jobs in Boca Raton, FL are:
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Remote Credit Analyst jobs near you

Commercial Underwriter

Gradient Mortgage Capital

Fort Lauderdale, FL • Remote

Full-time

Posted yesterday

Job description

Job Title:Commercial UnderwriterLocation:Hybrid (Office/Remote) South FLDepartment/Group:Gradient Mortgage Capital LLC/OperationsTravel Required:NoneJob Status:ExemptPosition Type:Full-Time, RegularWork Schedule:Monday-Friday, 9:00AM – 5:00PM ETReports To:SVP Underwriting/Head of CreditJob Description
Summary
The Commercial Underwriter is responsible for evaluating, structuring, and decisioning Small Balance Commercial Real Estate (SBCRE) loan requests with a high degree of precision, consistency, and sound credit judgment. This role requires hands-on experience underwriting small balance commercial loans, as the complexity and nuance of this market demand a deep understanding of borrower profiles, property types, cash-flow analysis, and SBCRE-specific risk drivers.
The Underwriter performs comprehensive credit analysis of borrowers and guarantors, conducts detailed collateral and market reviews, and applies informed judgment within established credit guidelines. Reporting directly to the Head of Credit, this role plays a critical part in maintaining credit quality while supporting the company’s production and growth objectives. The ideal candidate is analytical, detail-oriented, and capable of operating independently in a fast-paced, entrepreneurial environment.
Essential Duties and Responsibilities
  • Analyze borrower and guarantor financials, including tax returns, income statements, balance sheets, cash flow statements, and projections, with a focus on small balance commercial transactions.
  • Assess borrower and guarantor creditworthiness using credit reports, third-party data, and relevant industry benchmarks.
  • Evaluate real estate collateral by reviewing appraisals, environmental reports, market studies, rent rolls, operating statements, and title documentation to identify and mitigate risk.
  • Structure and recommend loan terms and conditions, including pricing, leverage, and covenants, that appropriately balance risk and business objectives.
  • Exercise sound judgment in nuanced or gray-area credit decisions common in SBC lending, clearly articulating rationale and mitigating factors.
  • Prepare clear, well-documented underwriting narratives and credit memoranda that accurately reflect risk analysis, conclusions, and recommendations.
  • Maintain accurate, complete, and timely records in the loan origination system (LOS) and CRM.
  • Ensure underwriting decisions comply with internal credit policies, regulatory requirements, and fair lending standards.
  • Collaborate with sales, operations, closing, and third-party vendors to obtain required information and support an efficient end-to-end loan process.
  • Contribute toward quarterly production goals and participate in periodic pipeline, production, and credit review meetings.
  • Participate in weekly one-on-one meetings and broader underwriting and production initiatives.
  • Perform other duties and responsibilities as assigned by management.
Required Qualifications and Skills
  • Demonstrated experience underwriting Small Balance Commercial Real Estate loans; investor residential or DSCR experience is a plus but not a substitute.
  • Strong ability to interpret complex financial statements and layered credit profiles typical of SBC transactions.
  • Solid understanding of commercial property types, borrower structures, guarantor analysis, and cash-flow-based underwriting.
  • High attention to detail with strong analytical, organizational, and critical-thinking skills.
  • Ability to work independently while collaborating effectively with cross-functional teams.
  • Comfort operating in a growth-oriented, entrepreneurial environment with evolving processes and priorities.

Education
  • Bachelor’s degree in Finance, Accounting, Real Estate, Economics, Business Administration, or a related field preferred.
  • An equivalent combination of education and directly relevant underwriting experience may be considered in lieu of a degree.

Experience
  • Minimum of 3 to 5 years of direct Small Balance Commercial Real Estate underwriting experience required.
  • Proven experience independently underwriting, structuring, and decisioning SBC loans across common property types, including multifamily, mixed-use, retail, office, industrial, and special-purpose assets.
  • Experience working within defined credit guidelines while applying sound judgment to nuanced or non-standard transactions.
  • Prior experience in a private lender, non-bank lender, or bank commercial credit environment strongly preferred.
  • Familiarity with loan origination systems (LOS), third-party reports, and credit memo preparation required.
Disclaimer
Gradient Mortgage Capital is an equal opportunity employer and is committed to building a diverse and inclusive workplace. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic.
We provide reasonable accommodations to qualified individuals with disabilities and for sincerely held religious beliefs.
This job description is not a contract of employment and does not list all duties of the position. Employment is at-will, and job responsibilities, compensation, and benefits may change at any time, with or without notice, subject to applicable law.
 

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