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Retail Credit Analyst Jobs (NOW HIRING)

First Horizon

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 ...

Ace Hardware Corporation

Sr. Credit Analyst

Oak Brook, IL · On-site

$76K - $95K/yr

Analyze and decision US-based Member Applications within assigned credit authority and territory ... Underwrite Retailer Loan Applications in accordance with company credit policy and applicable US ...

Tradition Capital Bank

Credit Analyst - CRE

Edina, MN

$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 ...

First Horizon

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 ...

Merican

Senior Credit Analyst

New York, NY · On-site

The company operates through two divisions, Retail Banking and Services, and Corporate and Institutional Banking. Position: Senior Credit Analyst Location: New York, NY, 10019 Duration: 7 Months Job ...

Prime Bank

Loan Review/Credit Analyst

Le Mars, IA

This position is responsible for the review and analysis of credit and financial information as ... retail transportation and specialty business. * Review loan files to ensure they qualify within the ...

Primebank

Loan Review/Credit Analyst

Le Mars, IA · On-site

This position is responsible for the review and analysis of credit and financial information as ... retail transportation and specialty business. * Review loan files to ensure they qualify within the ...

Primebank

Loan Review/Credit Analyst

Le Mars, IA · On-site

This position is responsible for the review and analysis of credit and financial information as ... retail transportation and specialty business. * Review loan files to ensure they qualify within the ...

GM Financial

GMF Sr Credit Analyst I

Raleigh, NC · Hybrid

Knowledge of indirect retail auto financing. * Knowledge of State and Federal regulatory ... The Senior Credit Analyst is responsible for researching and analyzing credit risks, assessing ...

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All JobsRetail Credit Analyst Jobs

Retail Credit Analyst information

See salary details

$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 Sr

First Horizon

Nashville, TN • On-site

Full-time

Medical, Dental, Vision, Retirement

Posted 20 hours ago

First Horizon Bank rating

8.3

Company rating: 8.3 out of 10

Based on 30 frontline employees who took The Breakroom Quiz

34th of 141 rated banks

Job description

Location: Onsite at location listed in posting.
Summary
The Market Investor CR Credit Analyst, Sr (CA Sr.) t will work directly with the Market Investor Commercial Real Estate Portfolio Management team and will be expected to provide high level credit analysis support for commercial real estate loans including loans to acquire, refinance, and develop income-producing properties. This position will also assist in the credit risk management and servicing of existing portfolios including covenant monitoring, annual servicing, and assessing property/market trends for commercial real estate lending portfolios within the footprint.
Essential Duties and Responsibilities
    • Responsible for working with Portfolio Managers to monitor and manage assigned commercial real estate loan portfolio. This responsibility includes timely servicing of the portfolio, tracking and measuring covenants, and monitoring property performance against expectations.
    • Analyze and prepare credit approval documentation in commercial loan system. The Credit Analyst is responsible for accurately reflecting loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure.
    • Assist in the preparation of credit analyses and annual reviews, including review/analysis of real estate projects, market information, and financial statements for commercial borrowers and guarantors. Real estate and market specific analysis will include review, analysis, and summary of leases, rent rolls, appraisals, construction budgets, proformas, etc. Financial statement analysis may include analysis and presentation of borrower and individual tax returns, global real estate schedules, trends, and debt repayment capacity.
    • Responsible for accurate calculations and inputs and implementation of CRE policies, procedures, and guidelines.
    • Works with the Portfolio Managers and Client Specialists to ensure systems of record are accurate for the loan portfolio.
    • Participates in internal credit conversations with Portfolio Managers, Relationship Managers, and Credit partners.
    • Participates in special projects and assignments and performs other duties as assigned.
    • The successful candidate will consistently demonstrate a high level of ownership in team initiatives, flexibility in responding to internal and client deadlines, the ability to work on multiple assignments, have a high level of detail and follow-through, and the ability to work independently within the framework of the role.

    Knowledge and Skills:
    • Ability to manage multiple projects, while maintaining high attention to detail.
    • Self-starter attitude.
    • Intellectually curious, ability to think outside of the box, assertive.
    • Hard working, smart, creative, analytical, driven, exceptionally organized.
    • Critical thinker possessing analytical skills with the ability to reach logical conclusions on the available information.
    • Strong communication skills and results driven.
    • Ability to work and excel in a team environment.
    • Accurate typing, spelling, and grammar skills.
    • Microsoft Office: strong excel skills.
    • Experience with nCino application is a plus.
    • Ability to read, analyze, and interpret financial reports; perform simple to complex calculations; effectively research, analyze, and evaluate information to make decisions, solve problems and achieve goals.

    Qualifications
    • Bachelor's degree (B.A.), preferably in Finance, Accounting or equivalent in specific work experience.
    • At a minimum, the candidate should have exposure to finance and accounting through completed college courses or relevant work experience.
    • 1 - 4 years of relevant experience and/or training preferred.

About UsFirst Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com.
Benefit Highlights
• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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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