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Senior Commercial Credit Analyst Jobs (NOW HIRING)

Unity Bank

Senior Commercial Credit Analyst

Oregon, WI · On-site

$90 - $120/hr

The Opportunity As a Senior Commercial Credit Analyst, you'll evaluate the risk of extending credit by reviewing borrower and guarantor financial information and turning your analysis into clear ...

One Community Bank

Senior Commercial Credit Analyst

WI · On-site

The Opportunity As a Senior Commercial Credit Analyst, you'll evaluate the risk of extending credit by reviewing borrower and guarantor financial information and turning your analysis into clear ...

Columbia Bank

Sr. Commercial Credit Analyst II

Rahway, NJ · On-site

$109K - $164K/yr

Minimum of 7 years experience as a Senior Commercial Credit Analyst required. * Current or prior lending authority required * Working knowledge and understanding of commercial loan products, policies ...

Columbia Bank

Sr. Commercial Credit Analyst II

Freehold, NJ · On-site

$109K - $164K/yr

Minimum of 7 years experience as a Senior Commercial Credit Analyst required. * Current or prior lending authority required * Working knowledge and understanding of commercial loan products, policies ...

Columbia Bank

Sr. Commercial Credit Analyst II

Edison, NJ · On-site

$109K - $164K/yr

Minimum of 7 years experience as a Senior Commercial Credit Analyst required. * Current or prior lending authority required * Working knowledge and understanding of commercial loan products, policies ...

Columbia Bank

Sr. Commercial Credit Analyst II

Brooklyn, NY · On-site

$109K - $164K/yr

Minimum of 7 years experience as a Senior Commercial Credit Analyst required. * Current or prior lending authority required * Working knowledge and understanding of commercial loan products, policies ...

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Senior Commercial Credit Analyst information

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$49.5K

$94.3K

$174K

How much do senior commercial credit analyst jobs pay per year?

As of Aug 22, 2026, the average yearly pay for senior commercial credit analyst in the United States is $94,288.00, according to ZipRecruiter salary data. Most workers in this role earn between $69,000.00 and $100,000.00 per year, depending on experience, location, and employer.

What is a senior commercial credit analyst?

Senior Commercial Credit Analysts are finance professionals responsible for evaluating the creditworthiness of businesses seeking loans or credit from financial institutions. They analyze financial statements, assess risks, and make recommendations on whether to approve or decline credit applications. In their senior role, they may also oversee junior analysts, help develop credit policies, and interact directly with clients to gather necessary information. Their expertise ensures that lending decisions minimize risk for the institution while supporting business growth.

What skills and qualifications are needed to be a senior commercial credit analyst?

To thrive as a Senior Commercial Credit Analyst, you need strong analytical skills, financial modeling expertise, and a background in finance or accounting—typically supported by a bachelor’s degree and several years of relevant experience. Familiarity with credit risk assessment platforms, financial statement analysis tools, and industry-standard software like Moody’s Analytics or S&P Global is essential. Exceptional communication, attention to detail, and sound judgment help you effectively evaluate creditworthiness and present findings to stakeholders. These skills ensure accurate risk assessments, informed lending decisions, and contribute to the financial health of the institution.

What are common challenges faced by senior commercial credit analysts, and how can they be addressed?

Senior Commercial Credit Analysts often encounter challenges such as evaluating complex financial statements, assessing risk in volatile markets, and balancing thorough analysis with tight deadlines. To address these, it's important to stay updated on industry trends, utilize advanced financial modeling tools, and maintain clear communication with relationship managers and clients. Collaborating closely with credit committees and other analysts can also help ensure well-informed decisions and manage workload efficiently.

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

AspectSenior Commercial Credit AnalystCommercial Credit Analyst
Required CredentialsBachelor's degree, often CFA or credit certificationsBachelor's degree, relevant certifications optional
Work EnvironmentMore complex credit analysis, mentorship rolesAnalyzing credit data, supporting senior staff
Employer & Industry UsageFinancial institutions, banks, large corporationsBanks, lending institutions, credit agencies
Common Search & ComparisonSenior roles, advanced analysis, leadershipEntry to mid-level analysis, support roles

The main difference between a Senior Commercial Credit Analyst and a Commercial Credit Analyst lies in experience, responsibilities, and complexity of analysis. Senior analysts handle more complex cases, often mentor junior staff, and may have additional certifications. Both roles are vital in financial institutions and share similar industry usage, but the senior position involves greater expertise and leadership responsibilities.

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Senior Commercial Credit Analyst jobs near you
Infographic showing various Senior Commercial Credit Analyst 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 $94,288 per year, or $45.3 per hour.

Sr. Commercial Credit Analyst

Parkside Financial Bank & Trust

Clayton, MO

$5.0K/wk

Full-time

Medical, Dental, Vision, Retirement

Re-posted 28 days ago

Job description

Parkside Financial Bank amp; Trust started in 2007 with four professionals and one big goal: to make business banking and wealth management more personal, more insightful, and more responsive. Today, we’re an independent partner for successful families and privately held businesses, bringing together banking, commercial lending, trust, and family office services in one place.
From St. Louis to Denver to Bedford, we’ve grown with our clients to $1.1 billion in Bank assets and approximately $3.9 billion in Trust amp; Family Office assets under management. We’ve also been recognized as a Top Workplace in St. Louis for five consecutive years thanks to a team that’s Smart, Likeable, Entrepreneurial, and Dependable. If you like doing great work with great people, you’ll fit right in.
Why Parkside? We are a fast-growing, high-trust team where you’ll do real work, learn quickly, and be genuinely valued.
We are seeking a highly motivated and analytical professional to support the commercial lending function for our banking division, The Sr. Commercial Credit Analyst will focus on underwriting and ongoing credit analysis across CRE, C amp;I, and private equity-backed transactions, while ensuring compliance with loan policy and regulations. A Bachelor’s degree is required, along with 3 years of experience working in commercial credit.
RESPONSIBILITIES:
  • Perform detailed financial statement analysis and spreading using LoanVantage
  • Evaluate creditworthiness across CRE, C amp;I and Private Equity-backed transactions
  • Prepare comprehensive credit memos for new loans, renewals and modification requests
  • Collaborate with Relationship Managers on deal evaluation and structuring
  • Monitor loan portfolios, including renewals, covenant compliance and risk ratings
  • Engage appraisers for CRE deals and review appraisals ordered
  • Ensure adherence to loan policy and regulatory requirements; identify and escalate emerging risks proactively
  • Participate in Loan Committee meetings and present analysis as needed
  • Maintain documentation and support credit-related projects and reporting
QUALIFICATIONS:
  • 3-5 years of commercial credit analyst experience
  • Bachelor’s degree required; finance, accounting or economics majors preferred
  • Experience with CRE, C amp;I and Private Equity sponsored-backed transactions preferred
  • Proficiency in technology, including Microsoft applications
  • Strong financial statement analysis and cash flow modeling skills
  • Experience preparing credit memos and underwriting recommendations
KEY COMPETENCIES:
  • Strong analytical and critical thinking skills
  • Ability to assess risk and interpret complex financial data
  • High attention to detail and organization
  • Ability to manage multiple priorities and deadlines
  • Strong written and verbal communication skills
  • Demonstrated ownership and independent decision-making
  • Willingness to learn and contribute to company’s financial growth and profitability

EMPLOYEE BENEFITS:
Parkside is proud to offer competitive benefits for all our employees, including:
  • Competitive salary with bonus
  • Medical, dental, and vision insurance
  • 401k Plan + Employer Match
  • Employee Stock Options
  • Paid 4 Week Sabbatical Program, including $5,000 for travel, with every 5 years of employment
  • 12-week Paid Maternity Leave
  • Tuition Reimbursement
  • Employee charitable giving support
  • Company-paid parking amp; more!

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