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Senior Credit Analyst Jobs (NOW HIRING)

Fifth Third

Senior Credit Analyst

Indianapolis, IN · On-site

The Senior Credit Analyst is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical tasks and ...

altbanq

Senior Credit Analyst

Manhattan, NY · On-site

$100K - $150K/yr

Senior Credit Analyst Altbanq | Midtown Manhattan (On-Site) A dynamic and analytical professional who thrives in a detail-oriented, fast-paced environment. The Senior Credit Analyst at Altbanq is a ...

altbanq

Senior Credit Analyst

Manhattan, NY · On-site

$100K - $150K/yr

Senior Credit Analyst Altbanq | Midtown Manhattan (On-Site) A dynamic and analytical professional who thrives in a detail-oriented, fast-paced environment. The Senior Credit Analyst at Altbanq is a ...

Talently

Senior Credit Analyst

Franklin, MA · On-site

$90K - $100K/yr

Job Title: Senior Credit Analyst Location: On Site - Franklin, Massachusetts, United States Salary: $90,000-$100,000 Skills: Commercial Credit, Commercial Credit Analysis, Excel, Loans, Loan ...

MX Holdings

Sr Credit Analyst

Saint Louis, MO · Hybrid

$70K - $89K/yr

The Senior Credit Analyst (Manufacturing) is a customer facing role that is responsible for establishingcredit limits for new accounts or reviewing credit limits for existing customers.This position ...

Commercial Alliance

Senior Credit Analyst

Troy, MI

SENIOR CREDIT ANALYST Commercial Alliance provides a comprehensive suite of lending services designed to help credit unions succeed with business members across six states. As a Senior Credit Analyst ...

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Senior Credit Analyst information

See salary details

$49.5K

$94.3K

$174K

How much do senior credit analyst jobs pay per year?

As of Jul 23, 2026, the average yearly pay for senior 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.

Will AI replace credit analyst?

AI can automate certain tasks performed by senior credit analysts, such as data analysis and risk assessment, increasing efficiency. However, the role requires judgment, relationship management, and nuanced decision-making that AI cannot fully replicate, so human analysts remain essential in the process.

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

To thrive as a Senior Credit Analyst, you need expertise in financial analysis, risk assessment, and a solid understanding of accounting principles, typically supported by a bachelor’s degree in finance or a related field. Familiarity with financial modeling software, credit risk management systems, and possibly certifications such as CFA or FRM are highly valuable. Strong analytical thinking, attention to detail, and effective communication skills set top performers apart in this role. These competencies are critical to making sound credit decisions, minimizing risk, and supporting the financial health of the organization.

What is the role of a senior credit analyst?

A senior credit analyst evaluates the creditworthiness of individuals or businesses by analyzing financial statements, credit reports, and market data. They assess risk, determine credit limits, and make recommendations to approve or deny credit applications, often using financial modeling tools and adhering to company policies. Their role helps mitigate financial risk for lenders or financial institutions.

What Does a Senior Credit Analyst Do?

A senior credit analyst assesses the financial risk of providing a loan or line of credit to a client. As a credit analyst, you work for a commercial bank or other lending institution. Your duties are to analyze financial data, access client information from other companies, and coordinate with the marketing team about loan targets. Qualifications for a career as a senior credit analyst include a bachelor’s degree in economics, accounting, or statistics, and several years of experience working in credit analysis or the actuarial field. Since this is a senior position, you must work your way up from junior. Other skills useful for the job include strong mathematics and organizational skills.

What are some common challenges Senior Credit Analysts face when evaluating complex credit portfolios?

Senior Credit Analysts often encounter challenges such as assessing the creditworthiness of clients with limited financial information, managing large and diverse portfolios, and keeping up with rapidly changing market and regulatory conditions. Additionally, they must balance risk mitigation with supporting business growth, which requires close collaboration with relationship managers, risk officers, and senior management. Staying updated on industry trends and employing advanced analytical techniques are essential to effectively address these complexities.

How to be a senior credit analyst?

To become a senior credit analyst, candidates typically need a bachelor's degree in finance, accounting, or a related field, along with several years of experience in credit analysis or risk assessment. Strong analytical skills, proficiency with financial modeling and credit scoring tools, and relevant certifications like the CFA or Credit Risk Certification can enhance prospects. Progression often involves demonstrating expertise in evaluating creditworthiness and managing complex financial portfolios.

What are Senior Credit Analysts?

Senior Credit Analysts are finance professionals who assess the creditworthiness of individuals, companies, or securities. They analyze financial statements, market trends, and other data to evaluate the risk of lending money or extending credit. Senior Credit Analysts often work in banks, investment firms, or credit rating agencies and may have supervisory responsibilities, guiding junior analysts and making recommendations on large or complex credit decisions. Their expertise helps organizations make informed lending and investment choices while managing risk.

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

AspectSenior Credit AnalystCredit Analyst
Required CredentialsBachelor's degree, often CFA or CPA, experience in credit analysisBachelor's degree, relevant certifications optional
Work EnvironmentFinancial institutions, corporate credit departmentsBanks, lending firms, credit agencies
Employer & Industry UsageUsed in banking, investment, and corporate finance sectorsCommon in banking and lending industries
Comparison Search IntentUnderstanding seniority and responsibilitiesEntry to mid-level credit analysis roles

The main difference between a Senior Credit Analyst and a Credit Analyst lies in experience, responsibilities, and qualifications. Senior Credit Analysts typically have more experience, advanced certifications, and handle more complex credit assessments. Credit Analysts are often entry-level or mid-level roles focusing on initial credit evaluations. Both roles are vital in financial institutions, but the senior position involves greater decision-making authority and oversight.

What is the highest salary for a credit analyst?

The highest salary for a senior credit analyst can reach around $90,000 to $120,000 annually, depending on experience, location, and the size of the employer. Senior analysts with specialized skills or certifications such as CFA or CPA may earn higher compensation, especially in financial hubs or large corporations.
More about Senior Credit Analyst jobs
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Who are the top companies hiring for Senior Credit Analyst jobs? The top employers for Senior Credit Analyst jobs are:
What states have the most Senior Credit Analyst jobs? States with the most job openings for Senior Credit Analyst jobs include:
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What are popular job titles related to Senior Credit Analyst jobs? For Senior Credit Analyst jobs, the most frequently searched job titles are:
Senior Credit Analyst jobs near you
Infographic showing various Senior Credit Analyst job openings in the United States as of July 2026, with employment types broken down into 89% Full Time, 6% Part Time, 1% Temporary, and 4% Contract. Highlights an 83% Physical, 7% Hybrid, and 10% Remote job distribution, with an average salary of $94,288 per year, or $45.3 per hour.
Senior Credit Analyst

Senior Credit Analyst

Fifth Third Bank

Indianapolis, IN • On-site

Full-time

Posted 22 days ago

Fifth Third Bank rating

7.5

Company rating: 7.5 out of 10

Based on 113 frontline employees who took The Breakroom Quiz

92nd of 150 rated banks

Job description

Make banking a Fifth Third better®
We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.
GENERAL FUNCTION:
The Senior Credit Analyst is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical tasks and identifying risks or issues as needed. In addition, a successful Senior Credit Analyst will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The Senior Credit Analyst demonstrates extensive knowledge of financial and risk analysis and expertise in financial modeling.
The Senior Credit Analyst demonstrates proficiency in underwriting, with the ability to complete the underwriting process from beginning to end with limited oversight. Additionally, the Senior Credit Analyst will attend and support Portfolio Reviews as needed.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
  • Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed.
  • Use critical thinking to identify and draft documentation.
  • Responsible for regularly completing indicative credit information into Banking Systems with little to no errors.
  • Responsible for preparing risk-rating scorecard and performing tickler event analysis to identify potential risks.
  • Responsible for developing risk models and advising PMs of unforeseen obstacles that may impede meeting client expectations.
  • Identify and determine monitoring analysis activities required.
  • Verify covenants and define updates needed on ticklers.
  • Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action.
  • Responsible for assessing covenant compliance reporting and identifying issues.
  • Review covenant compliance certificates to understand performance and determine actions remediate breaches.
  • Update financial covenants and calculations as needed.
  • Run Probability of Default (PD) model with oversight.
  • Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team.
  • Responsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight.
  • Prepares ALSR reports with oversight.
  • Responsible for running risk and projection models with oversight assumptions provided.
  • Responsible for completing underwriting process with limited oversight.
  • Create and complete a CAM with little to no errors.
  • Review and re-write renewals for deals of limited complexity.
  • Responsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetings.
  • Support Portfolio Managers and special projects.
  • Take appropriate remedial actions to resolve deficiencies and escalates questions/disputes to appropriate level when necessary.
  • May assist with training of new employees.
  • May work on special projects as assigned by management.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
  • Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
  • Minimum 2 years of Commercial Banking experience.
  • Sound Financial and risk analysis understanding, including the ability to develop financial models.
  • Extensive Knowledge of banking products and services.
  • Knowledge of corporate business structure and legal documents.
  • General knowledge of U.S. government and regulation.
  • Knowledge of the local or regional market preferred, but not required.
  • Proficiency in internal banking applications.
  • Strong verbal and written communication skills.
  • Demonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks.
  • Proficient in all Microsoft Office software.

WORKING CONDITIONS:
  • Normal office environment with little exposure to dust, noise, temperature and the like.
  • Minimal travel required.
Senior Credit Analyst
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.
LOCATION -- Indianapolis, Indiana 46204
Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes - no matter how they are submitted - will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

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About Fifth Third Bank

Sourced by ZipRecruiter

Fifth Third Bank, National Association established in 1858, is a diversified financial services company headquartered in Cincinnati, Ohio. Fifth Third is among the largest money managers in the Midwest. It operates four main businesses: Commercial Banking, Branch Banking, Consumer Lending, and Wealth & Asset Management.

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

Cincinnati, OH, US

Year founded

1858

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