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Senior Credit Analyst Jobs (NOW HIRING)

Fifth Third

Senior Credit Analyst

Sacramento, CA

The Senior Credit Analyst supportsend-to-endunderwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The roleis ...

Fifth Third

Senior Credit Analyst

San Francisco, CA · On-site

The Senior Credit Analyst supportsend-to-endunderwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The roleis ...

Fifth Third

Senior Credit Analyst

Frisco, TX · On-site

The Senior Credit Analyst supportsend-to-endunderwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The roleis ...

Fifth Third

Senior Credit Analyst

Dallas, TX

The Senior Credit Analyst supportsend-to-endunderwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The roleis ...

Fifth Third

Senior Credit Analyst

San Jose, CA

The Senior Credit Analyst supportsend-to-endunderwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The roleis ...

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 ...

Super Micro Computer

Sr. Credit Analyst

San Jose, CA · On-site

$98K - $109K/yr

Super Micro Computer, Inc is seeking a Sr. Credit Analyst to join our team of valuation professionals that bring industry experience, innovation, and specialized knowledge to help make the best ...

WaFd Bank

Senior Credit Analyst - CRE

Seattle, WA

$82K - $123K/yr

The Senior Credit Analyst is responsible for providing due diligence, analytical, and underwriting support to the division's Relationship and Portfolio Managers as assigned. The Senior Credit Analyst ...

WaFd Bank

Senior Credit Analyst - CRE

Seattle, WA · On-site

$82K - $123K/yr

The Senior Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of ...

WaFd Bank

Senior Credit Analyst - CRE

Seattle, WA · On-site

$82K - $123K/yr

The Senior Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of ...

UW Credit Union

Senior Credit Analyst

Madison, WI

Overview The Senior Credit Analyst plays a key role in the Investment Property Lending (IPL) underwriting process, as they are responsible for reviewing financial information for the borrower ...

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All JobsCredit Analyst JobsSenior Credit Analyst Jobs

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 25, 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.
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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

Fifth Third

Sacramento, CA

Full-time

Posted 13 hours ago

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 supportsend-to-endunderwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The roleis responsible forindependently executing most aspects of the underwriting process, includingin-depthfinancial and risk analysis, drafting approval and review materials, and supporting credit committees and portfolio reviews with limited oversight.

The Senior Credit Analyst is accountable for managing risk by openly exchanging ideas and viewpoints, elevating concerns with clear analysis and recommendations, and adhering toestablishedpolicies and procedures. The role acts with integrity, supports a positive customer and colleague experience, andoperateswithin the Bank's risk appetite. Success is achieved through consistent identification, assessment, monitoring, and escalation of credit risks.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Partner with Portfolio Managers and/or Underwriters to support complex underwriting, structuring, and ongoing monitoring of commercial credit relationships

  • Independently analyze borrower and guarantor financial statements, including cash flow sustainability, leverage, liquidity, and profitability trends

  • Lead the preparation of concise,well supportedcredit approval memoranda with minimal errors, includingcompany and industry analysis, identification and assessment of key credit risks and mitigants, historical financial analysis and prepare base and downside projectionmodels.

  • Develop, review, andvalidatehistorical financial charts, projection models, and sensitivity analyses.

  • Manage ongoing portfolio monitoring activities, including covenant compliance, financial statement reviews, and execution and validation of risk rating models

  • Review and challenge completed financial spreads andworksto resolve required edits or inconsistencies

  • Prepare Criticized Period Reviews with limited oversight

  • Prepare portfolio analysis and Portfolio Review materials for management and risk committees

  • Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports

  • Take ownership of resolving data, documentation, or analysis deficiencies and escalate issues with clear recommendations when appropriate

  • Proactivelyidentifyemerging risks, adverse trends, or policy exceptions and escalate concernsin a timely manner

  • Serve as a technical and analytical resource for junior analysts,assistingwith training, onboarding, and informal coaching

  • Contribute to special projects, portfolio initiatives, or process improvement efforts as assigned by management

SUPERVISORY RESPONSIBILITY:

None

MINIMUM KNOWLEDGE,SKILLSAND ABILITIES REQUIRED:

  • Bachelor's degree in Business, Finance, Accounting, or a related field

  • 3+ years of experience in Commercial Banking, credit analysis, underwriting, or a related role

  • Strong, demonstrable understanding of financial analysis and credit risk assessment, including development and review of financial models and projections

  • Advanced working knowledge of commercial banking products, services, and credit structures

  • Solid understanding of corporate legal structures and commoncredit relatedlegal documents

  • General knowledge of U.S. banking regulations and supervisory expectations

  • Proficiencyin internal banking systems and applications

  • Strong written and verbal communication skills with the ability to clearly convey complex analysis

  • Demonstrated analytical judgment,problem-solvingcapability, andtheability to manage multiple priorities independentlywithstrongattention to detail

  • Advancedproficiencyin Microsoft Office applications, particularly Excel and PowerPoint

Senior Credit AnalystTotal Base Pay Range 71,100.00 - 145,900.00 USD Annual

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 -- San Francisco, California 94111

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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