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Small Business Credit Analyst Jobs (NOW HIRING)

Brightwing

Small Business Credit Admin

Fort Worth, TX · On-site

Review, analyze, and input information from documents received from company dealers into eCP during ... Communicate with Small Business Credit Department employees as well as dealerships to acquire ...

Veracity

Small Business Credit Manager

Pittsburgh, PA · On-site

Small Business Credit Manager Location: Pittsburgh, Pennsylvania We are seeking a seasoned Small ... organizational, analytical and interpersonal skills High-dollar and complex credit evaluation ...

iQuasar

Small Business Credit Manager

Pittsburgh, PA · On-site

  • Medical

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  • Retirement

Excellent organizational, analytical and interpersonal skills * High-dollar and complex credit ... Small Business Lending (C&I and CRE) * KPI development and monitoring If you are interested in this ...

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Small Business Credit Analyst information

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How much do small business credit analyst jobs pay per hour?

As of Aug 13, 2026, the average hourly pay for small business credit analyst in the United States is $29.92, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $33.65 per hour, depending on experience, location, and employer.

What are the typical challenges faced by small business credit analysts when evaluating loan applications?

Small Business Credit Analysts often encounter challenges such as limited financial documentation, irregular cash flows, and a lack of credit history from applicants. These factors require analysts to dig deeper into qualitative aspects of the business, such as management experience and business plans, in addition to reviewing quantitative data. Collaborating closely with relationship managers and underwriters is crucial to gather a complete picture, and maintaining strong communication skills helps in clarifying information directly with business owners. Staying updated on industry trends and regulatory requirements also helps analysts make informed lending recommendations.

What is the difference between Small Business Credit Analyst vs Commercial Credit Analyst?

AspectSmall Business Credit AnalystCommercial Credit Analyst
CredentialsTypically requires a bachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis courses are commonSimilar educational background; often holds certifications such as CFA or credit analysis training
Work EnvironmentWorks primarily with small business clients, often in banks or financial institutionsFocuses on larger commercial clients, usually in banking or lending institutions
Employer & IndustryFinancial institutions, banks, credit unions serving small businessesCommercial banks, lending firms, and financial institutions dealing with larger business clients

Both roles involve assessing creditworthiness, analyzing financial statements, and making lending recommendations. The main difference lies in the size of the clients served, with Small Business Credit Analysts focusing on small businesses and Commercial Credit Analysts handling larger commercial clients.

What are the key skills and qualifications needed to thrive as a small business credit analyst, and why are they important?

To thrive as a Small Business Credit Analyst, you need strong analytical skills, knowledge of financial statements, and a degree in finance, accounting, or a related field. Familiarity with credit analysis software, financial modeling tools, and risk assessment systems such as Moody's Analytics or S&P Global is typically required. Attention to detail, effective communication, and sound judgment are crucial soft skills for evaluating loan applications and explaining decisions to stakeholders. These capabilities ensure accurate credit assessments, minimize risk, and support sound lending decisions that help both the lender and small business clients succeed.

What does a small business credit analyst do?

A Small Business Credit Analyst evaluates the creditworthiness of small businesses applying for loans or other forms of credit. They review financial statements, business plans, credit reports, and other relevant data to assess the risk of lending to a particular company. Their analysis helps lenders make informed decisions about approving or denying credit applications and determining appropriate loan terms. They also monitor existing loans to identify potential risks or defaults. This role is crucial in supporting small businesses while ensuring the financial institution manages risk effectively.
More about Small Business Credit Analyst jobs
What cities are hiring for Small Business Credit Analyst jobs? Cities with the most Small Business Credit Analyst job openings:
What states have the most Small Business Credit Analyst jobs? States with the most job openings for Small Business Credit Analyst jobs include:
What job categories do people searching Small Business Credit Analyst jobs look for? The top searched job categories for Small Business Credit Analyst jobs are:
Small Business Credit Analyst jobs near you
Infographic showing various Small Business Credit Analyst job openings in the United States as of August 2026, with employment types broken down into 84% Full Time, 13% Part Time, and 3% Contract. Highlights an 90% Physical, 3% Hybrid, and 7% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.

Small Business Credit Analyst

Burke & Herbert Bank & Trust

Alexandria, VA • On-site

$25 - $31/hr

Full-time

Posted yesterday

New

Burke & Herbert Bank rating

6.4

Company rating: 6.4 out of 10

Based on 9 frontline employees who took The Breakroom Quiz

148th of 171 rated banks

Job description


CLASSIFICATION: Non-exempt


REPORTS TO: Business Banking Credit Analyst Team Lead


DATE: March 6, 2026



JOB DESCRIPTION

Summary/Objective

Supports the Bank’s objective of enhancing the value of the group by increasing sales-force efficiency through the delivery of underwriting support, guidance, and portfolio services. This position requires leveraging prior experience and applying strong analytical skills to develop well-supported recommendations for Credit Officers in support of loan decisions up to $2MM.


Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Provide assistance in structuring, pricing and approving small business banking loans.
  • Review and analyze new and maturing loan applications, financial statements, and other supporting documentation of borrowers and guarantors to effectively decision credit requests.
  • Utilize the Bank’s spreading software, Loan Vantage, to accurately and efficiently process credit requests.
  • Communicate loan decisions and recommendations.
  • Monitor and remain apprised of underwriting practices and assist the Credit Officer in communicating these practices.
  • Direct loans through the due diligence and documentation processes.
  • Seek to maintain appropriate levels of credit quality in origination, renewal and monitoring portfolio of small business banking loans, consistent with overall objectives of the Department.
  • Perform periodic review of all credit, loan, and collateral files to ensure information is current, cure exceptions, and report difficulties.
  • Underwrite a portfolio of existing loans, working directly with the Banking Officers to process new money requests and maturities.
  • Provide appropriate turnaround time on loan applications, meeting the minimum service goals for the Department.


Other Duties

  • Perform other duties as assigned.


Skills/Abilities

  • Excellent customer service skills.
  • Excellent organizational, time management and prioritization skills, sufficient to accomplish every aspect and task in the life cycle of a loan.
  • Excellent, effective verbal and written communication skills.
  • Willingness and ability to provide guidance to others at the same or lower level.
  • Skillset sufficient to translate analytical skills into recommendations in support of loan decisions.
  • Willingness and ability to work closely with Banking Officers, the retail branches, the commercial lending team and customers.

Supervisory Responsibility

This position does not have supervisory responsibilities.


Work Environment

This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.


Physical Demands

This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary.


Travel

Limited local travel may be required for this position.

Education and Experience

  • Bachelor's degree in accounting, business administration, finance, or other business-related field or equivalent amount of prior experience in commercial lending, small business lending, underwriting or portfolio management required.


For Applicants located in Alexandria, Viriginia (VA): The anticipated salary range for this position is $30.00 - $37.00 per hour.

For Applicants located in Salisbury, Maryland (MD): The anticipated salary range for this position is $25.00 - $31.00 per hour.

The ranges listed for Viriginia and/or Maryland represent the good-faith compensation the Company reasonably expects to pay for the position at the time of posting. Actual compensation will be determined based on factors including, but not limited to, the candidate's skills, qualifications, experience, education, certifications, internal equity, and business needs. This position may also be eligible for additional compensation, such as bonuses or incentive pay, where applicable.




Equal Employment Opportunity/M/F/disability/protected veteran status



Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

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