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Senior Credit Analyst Jobs in Silver Spring, MD (NOW HIRING)

Koalafi

Senior Business Analyst - Credit Risk

Arlington, VA · On-site

$100K - $129K/yr

Monitor portfolio risk and recommend changes to credit policy strategy * Perform in-depth analysis on complex datasets to generate actionable insights * Present results to leadership and influence to ...

Fulton Bank

Commercial Credit Analyst

Columbia, MD

$51K - $86K/yr

Incumbents in this role will focus primarily on less complex credits and reaffirmation requests with the assistance from senior analysts or management, as needed. Responsibilities * Gather and review ...

M&T Bank

Commercial Credit Analyst CRE

Baltimore, MD · On-site

A member of the Commercial Credit team that partners with senior team members supporting the duties ... This analysis may include recommending adding or removing conditions. * Manage the ongoing credit ...

M&T Bank

Commercial Credit Analyst CRE

Baltimore, MD

A member of the Commercial Credit team that partners with senior team members supporting the duties ... This analysis may include recommending adding or removing conditions. * Manage the ongoing credit ...

M&T Bank

Commercial Credit Analyst, CRE

Falls Church, VA · On-site

A member of the Commercial Credit team that partners with senior team members supporting the duties ... This analysis may include recommending adding or removing conditions. * Manage the ongoing credit ...

M&T Bank

Commercial Credit Analyst, CRE

Falls Church, VA · On-site

A member of the Commercial Credit team that partners with senior team members supporting the duties ... This analysis may include recommending adding or removing conditions. * Manage the ongoing credit ...

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All JobsCredit Analyst JobsSenior Credit Analyst JobsSenior Credit Analyst Jobs in Silver Spring, MD

Senior Credit Analyst information

See Silver Spring, MD salary details

$51.2K

$97.5K

$179.9K

How much do senior credit analyst jobs pay per year?

As of Sep 3, 2026, the average yearly pay for senior credit analyst in Silver Spring, MD is $97,473.00, according to ZipRecruiter salary data. Most workers in this role earn between $71,300.00 and $103,400.00 per year, depending on experience, location, and employer.

What is a senior credit analyst?

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 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 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 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.

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.

Do senior credit analysts make a lot of money?

Senior credit analysts typically earn a higher salary than entry-level analysts, with median annual wages often ranging from $70,000 to $100,000 depending on experience, location, and industry. They may also receive bonuses and benefits, and advanced certifications like CFA can enhance earning potential.

How much does a senior credit analyst make in the US?

A senior credit analyst in the US typically earns between $70,000 and $100,000 annually, with the average around $85,000. Compensation varies based on experience, location, and industry, and may include bonuses and benefits.
More about Senior Credit Analyst jobs

What are the most commonly searched types of Credit Analyst jobs in Silver Spring, MD?

The most popular types of Credit Analyst jobs in Silver Spring, MD are:

What are popular job titles related to Senior Credit Analyst jobs in Silver Spring, MD?

For Senior Credit Analyst jobs in Silver Spring, MD, the most frequently searched job titles are:

What job categories do people searching Senior Credit Analyst jobs in Silver Spring, MD look for?

The top searched job categories for Senior Credit Analyst jobs in Silver Spring, MD are:

What cities near Silver Spring, MD are hiring for Senior Credit Analyst jobs?

Cities near Silver Spring, MD with the most Senior Credit Analyst job openings:

Senior Credit Analyst jobs near you
Infographic showing various Senior Credit Analyst job openings in Silver Spring, MD as of August 2026, with employment types broken down into 1% Internship, 78% Full Time, 19% Part Time, and 2% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $97,473 per year, or $46.9 per hour.

Senior Business Analyst - Credit Risk

Koalafi

Arlington, VA • On-site

$100K - $129K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 28 days ago

Job description

At Koalafi, we believe in a world where no one has to put an important purchase on hold. That's why we're making it easier for more people to pay for big purchases over time.

Retailers across the country rely on us to offer flexible lease-to-own financing to their non-prime consumers, while increasing sales and strengthening customer loyalty. Their 2M+ customers love us because we provide a flexible way for them to make payments and give them an opportunity to improve their credit. Our 200+ Koalafi teammates enjoy inspiring and challenging work that accelerates their careers.

Interested in learning more about how we're transforming the financing experience and joining our team?

What You'll Do:  

At Koalafi, we use data-driven insights to inform business decisions. This position is responsible for supporting the business by providing analysis, recommendations, and driving the implementation of strategic business initiatives. You will have the unique opportunity to grow alongside the company and help shape the future direction of the business. In this role, you will: 

  • Drive research and analysis that powers our strategy, operational, financial, and business development decision-making 
  • Develop business plans, including gathering requirements for transformational projects within our new product line 
  • Monitor portfolio risk and recommend changes to credit policy strategy 
  • Perform in-depth analysis on complex datasets to generate actionable insights 
  • Present results to leadership and influence to adopt recommendations 
  • Support with regular reports, ad hoc data requests and analysis, transaction analysis, and special inquires as requested 
  • Create queries as needed to problem solve and answer internal and external customer questions 
  • Produce financial models and NPV analyses 

About You (Qualifications) 

  • Bachelor's degree in a quantitative field (finance, economics, mathematics, engineering, etc.) 
  • 2 years of analysis experience 
  • Proficiency in Python and SQL or similar language 
  • Ability to communicate with data in written and verbal contexts 
  • Exceptional attention to detail and problem-solving skills
  • Demonstrates curiosity and a growth mindset by actively seeking feedback, continuously developing skills, and adapting to changing priorities and business needs

Preferred Qualifications

  • Master's degree in a quantitative field (finance, economics, mathematics, engineering, etc.) 
  • 2+ years of analyst experience in financial industries, ideally consumer lending or credit risk 
  • 1+ years at a fast-moving start-up
  • Experience using in data science and machine learning techniques such as Logistic Regression and/or GBM models

Location: This position requires regular in-person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time
Salary Range: $100,000-$129,000 per year 
Additional Compensation: This position is eligible to participate in company bonus plan. 

The final salary offer will depend on factors including, but not limited to, experience, skills, and geographic location. The actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter.

Applications will be accepted until position is filled.

Why choose Koalafi: A career at Koalafi means opportunities to tackle exciting challenges every single day. We take pride in a culture of innovation, trust, and ownership. You'll get outside your comfort zone, build meaningful relationships, and most of all, take charge of projects that ultimately help people get the things they need most.

Benefits:

At Koalafi, you will have a direct impact on our products and help shape the company's success. We offer competitive compensation & benefits packages to keep you at your best:

  • Comprehensive medical, dental, and vision coverage
  • 20 PTO days + 11 paid holidays
  • 401(k) retirement with company matching
  • Student Loan & Tuition Reimbursement 
  • Commuter assistance
  • Parental leave (maternal + paternal)
  • Inclusion and Associate Engagement Programs

Who we are & what we value: 

  • We focus on what's most important
  • We set clear expectations and deliver
  • We embrace challenges to reach our full potential
  • We ask, "How can this be better?"
  • We move fast together