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Retail Credit Analyst Jobs (NOW HIRING)

Evolve

Credit Analyst

Jonesboro, AR · On-site

The Credit Analyst will assist with financial analysis and underwriting for Evolve Bank & Trust ... Complete annual reviews for Retail Banking and Physicians Capital. * Complete vendor management and ...

Do it Best Corp

Credit Analyst

Fort Wayne, IN · On-site

Perform financial statement analysis of new and existing stores to determine financial strength, credit line, security requirements, and risk analysis; consulting with Regional Directors/Retail ...

Do it Best Corp.

Credit Analyst

Fort Wayne, IN

Perform financial statement analysis of new and existing stores to determine financial strength, credit line, security requirements, and risk analysis; consulting with Regional Directors/Retail ...

Star Furniture

Credit Analyst

Houston, TX · On-site

$20 - $22/hr

The Credit Analyst will be part of our Credit Team, playing a critical role in maintaining customer ... A preferred background in banking, retail lending, credit, mortgage, auto financing, or similar

Academy Bank

Credit Analyst II

Kansas City, MO · On-site

$70K/yr

Well-written credit analysis with minimal revisions made by supervisor or department head ... Physical Requirements The work environment is typical of a standard office or retail banking ...

AutoNation

As a Credit Analyst, you will underwrite, and review submitted applications from new and used ... retailers * Join our DRVPNK mission to raise and donate millions of dollars to cancer research and ...

New

Lakeside Bank

Credit Analyst

Park Ridge, IL

$54K - $85K/yr

Credit Analyst L ocation: Park Ridge/Elmhurst Reports to: Vice President Credit Administration The ... Multi-family, Mixed-Use, Retail, Office, Industrial and Single Family Housing. * The analyst will ...

First National Bank

Credit Analyst

Sioux Falls, SD

Position Summary: As a Credit Analyst, you will be responsible for identifying and evaluating ... both retail and commercial, and SBA Lending to meet all requirements. Loan Monitoring & Review ...

First Horizon Bank

Credit Analyst Sr

Atlanta, GA

Summary The Market Investor CR Credit Analyst, Sr (CA Sr.) t will work directly with the Market ... retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has ...

First Horizon

Senior Credit Analyst

New Orleans, LA · On-site

Summary The Credit Analyst, Sr position provides high level analytical support in underwriting ... retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has ...

First Horizon Bank

Credit Analyst Sr

Birmingham, AL · On-site

Summary The Market Investor CR Credit Analyst, Sr (CA Sr.) t will work directly with the Market ... retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has ...

First Horizon Bank

Credit Analyst Sr

Memphis, TN

Summary The Market Investor CR Credit Analyst, Sr (CA Sr.) t will work directly with the Market ... retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has ...

First Horizon Bank

Credit Analyst

Lafayette, LA · On-site

Receive credit requests and make approve/decline decisions within established policy, guidelines ... retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has ...

First Horizon Bank

Credit Analyst Sr

Nashville, TN · On-site

Summary The Market Investor CR Credit Analyst, Sr (CA Sr.) t will work directly with the Market ... retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has ...

Tradition Capital Bank

Credit Analyst - CRE

Edina, MN · On-site

$100K - $150K/yr

... retail, and industrial * Familiarity with CRE data and market tools (CoStar preferred ... credit analysis with a strong emphasis on commercial real estate, or equivalent combination of ...

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Retail Credit Analyst information

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$11K

$69.4K

$94.5K

How much do retail credit analyst jobs pay per year?

As of Jun 11, 2026, the average yearly pay for retail credit analyst in the United States is $69,363.00, according to ZipRecruiter salary data. Most workers in this role earn between $60,000.00 and $78,500.00 per year, depending on experience, location, and employer.

What does a Retail Credit Analyst do?

A Retail Credit Analyst is responsible for evaluating the creditworthiness of individual customers applying for retail credit products such as personal loans, credit cards, or retail store financing. They analyze financial information, credit reports, and payment histories to assess risk and make recommendations on whether to approve or decline credit applications. These analysts also monitor existing accounts for potential credit issues and ensure compliance with lending policies. Their work helps financial institutions minimize losses and make informed lending decisions.

Will AI replace credit analyst?

AI can automate routine tasks in the retail credit analyst role, such as data analysis and risk assessment, but it is unlikely to fully replace human analysts. Skilled analysts are needed to interpret complex data, make judgment calls, and communicate findings, especially in nuanced credit decisions. Proficiency with analytical tools and certifications can enhance job security in this evolving environment.

What is the difference between Retail Credit Analyst vs Commercial Credit Analyst?

AspectRetail Credit AnalystCommercial Credit Analyst
CredentialsBachelor's degree in finance, economics, or related field; certifications like CFA or credit analysis coursesBachelor's degree in finance, accounting, or related; similar certifications often preferred
Work EnvironmentBank branches, retail banking departments, credit departmentsCorporate offices, commercial banking units, business loan departments
Employer & IndustryRetail banks, credit unions, consumer finance companiesCommercial banks, business lending institutions, corporate finance firms

Retail Credit Analysts focus on individual consumer credit, assessing personal loan and credit card applications, while Commercial Credit Analysts evaluate business loan applications and corporate creditworthiness. Both roles require similar skills and certifications but differ mainly in the type of clients and credit products they handle.

How much is the salary of a credit analyst?

The salary of a retail credit analyst typically ranges from $45,000 to $70,000 annually, depending on experience, location, and the size of the employer. Entry-level analysts may earn less, while those with specialized skills or certifications can earn higher salaries.

How much does a credit analyst make hourly?

A retail credit analyst typically earns between $20 and $35 per hour, depending on experience, location, and the size of the company. Entry-level positions may start lower, while experienced analysts with specialized skills can earn higher wages. Certifications such as the CFA or CPA can also influence salary levels.

What is a retail credit analyst?

A retail credit analyst evaluates the creditworthiness of individual consumers applying for loans, credit cards, or financing. They analyze financial data, credit reports, and payment histories to assess risk and determine credit limits, often using financial software and adhering to lending policies.

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

To thrive as a Retail Credit Analyst, you need strong analytical skills, attention to detail, and a background in finance or accounting, often supported by a bachelor’s degree in a related field. Familiarity with credit scoring systems, financial modeling software, and tools such as Excel or SAS is typically required. Excellent communication, problem-solving, and decision-making abilities help you effectively interpret data and explain credit decisions to stakeholders. These skills are essential for accurately assessing credit risk, minimizing losses, and supporting the financial health of the organization.

What are some common challenges faced by Retail Credit Analysts when evaluating loan applications?

Retail Credit Analysts often encounter challenges such as assessing incomplete or inconsistent applicant information, staying updated with changing credit policies, and balancing risk management with customer satisfaction. They must carefully analyze credit reports and financial histories while adhering to regulatory requirements and company guidelines. Effective communication with other departments like sales and underwriting is also essential to ensure thorough and accurate credit decisions.
More about Retail Credit Analyst jobs
What cities are hiring for Retail Credit Analyst jobs? Cities with the most Retail Credit Analyst job openings:
What job categories do people searching Retail Credit Analyst jobs look for? The top searched job categories for Retail Credit Analyst jobs are:
Retail Credit Analyst jobs near you
Infographic showing various Retail Credit Analyst job openings in the United States as of June 2026, with employment types broken down into 85% Full Time, 12% Part Time, 1% Temporary, and 2% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $69,363 per year, or $33.3 per hour.
Credit Analyst

Credit Analyst

Evolve

Jonesboro, AR • On-site

Full-time

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

Job description

Job Description:
The Credit Analyst will assist with financial analysis and underwriting for Evolve Bank & Trust.
Main Job Tasks and Responsibilities:
  • Complete commercial loan analysis and underwriting as assigned.
  • Assist the Chief Credit Officer in field implementation of loan policies, procedures & underwriting guidelines.
  • Assist Lenders in financial analysis, identification of the primary risk drivers, structuring of the loan, overall assessment of risk and ability to repay.
  • Participate in the loan approval process and provide recommendation.
  • Assist Loan Operations in solving loan related structure questions.
  • Assist with portfolio review & analysis.
  • Assist Accounting Department & Loan Operations in the development of monthly lending review & analysis reports (Board Meeting).
  • Complete annual reviews for Retail Banking and Physicians Capital.
  • Complete vendor management and financial risk reviews.
  • Compile requested portfolio metrics for Chief Credit Officer review.
  • Utilize and manage the spreading software platform.
  • Complete special projects and requests as assigned.

Education and Experience:
  • Minimum of one year of experience in commercial credit analysis, preferably at a financial institution or commercial finance organization.
  • Bachelors' degree, preferably in business, economics, finance, or banking with a strong background in accounting and finance.

Key Competencies:
  • High attention to detail.
  • Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines
  • Good verbal and written communication skills.
  • Comfortable with conflicting views of others and able to adequately express their point of view.
  • Willingness to take ownership of recommendations and balance loan production with the proper risk/reward relationship.
  • Able to work well with peers, lenders and superiors.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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