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Small Business Credit Analyst Jobs (NOW HIRING)

Lake Ridge Bank

Credit Analyst

Middleton, WI · On-site

The Credit Analyst will be responsible for spreading financial statements as required by Lake Ridge ... Full Knowledge of the Small Business Model (SBM) & Small Ag Model (SAM) systems and how they ...

Lake Ridge Bank

Credit Analyst

Middleton, WI · On-site

The Credit Analyst will be responsible for spreading financial statements as required by Lake Ridge ... Full Knowledge of the Small Business Model (SBM) & Small Ag Model (SAM) systems and how they ...

bav

Credit Analyst

Manhattan, NY · On-site

The Credit Analyst processes applications from new customers as well as existing ones who like to ... Processing business credit applications for credit terms account. * Investigating and assessing ...

Commercial Credit Group

Credit Analyst

Charlotte, NC · On-site

Credit Analyst Charlotte, NC Commercial Credit Group Inc (CCG) is an independent national ... CCG offers an entrepreneurial small company approach to doing business emphasizing customer service ...

Parker Group Inc

Senior Credit Analyst

Manhattan, NY · On-site

$90 - $130/hr

We believe the best way to achieve this is by giving independent business owners the financial ... As a Senior Credit Analyst at Parker, you will be responsible for conducting deep credit ...

Parker

Senior Credit Analyst

New York, NY · On-site

$140K - $160K/yr

We believe the best way to achieve this is by giving independent business owners the financial ... As a Senior Credit Analyst at Parker, you will be responsible for conducting deep credit ...

Farmers and Merchants Bank

Credit Analyst

Dayton, OH · On-site

Credit Analyst with Farmers and Merchants Bank in Dayton, OH Do you enjoy digging into financials ... small business of Southwest Dayton. This philosophy remains the same 90 plus years later.

SmartBiz Bank

Senior Credit Analyst

Northbrook, IL · On-site

$95K - $105K/yr

Overview: SmartBiz Bank offers a broad range of business banking solutions to small businesses ... The Senior Credit Analyst is responsible for reviewing the creditworthiness of individuals or ...

SmartBiz Loans

Senior Credit Analyst

Northbrook, IL · On-site

$90 - $130/hr

Overview: SmartBiz Bank offers a broad range of business banking solutions to small businesses ... The Senior Credit Analyst is responsible for reviewing the creditworthiness of individuals or ...

Nicolet National Bank

Credit Analyst

Green Bay, WI · On-site

Identify and evaluate business and industry risks, management and collateral support. * Prepare ... to credit analysis and documentation review. * Assist in the preparation of monthly and quarterly ...

Nicolet National Bank

Credit Analyst

Green Bay, WI

Identify and evaluate business and industry risks, management and collateral support. * Prepare ... to credit analysis and documentation review. * Assist in the preparation of monthly and quarterly ...

First Horizon Corp.

$55 - $75/hr

The Credit Analyst ("CA") position provides analytical support in underwriting/analyzing commercial ... The Company and its subsidiaries offer commercial, private banking, consumer, small business ...

Posted today

Capital One Group

$88 - $100/hr

Senior Credit Analyst - Business Cards & Payments - Hybrid Key Role Details This role is a ... Small businesses are a different kind of customer. They're the people turning ideas into ...

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Small Business Credit Analyst information

See salary details

$15

$29

$49

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

As of Sep 4, 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 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.

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 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.

Can a small business credit analyst work from home?

Small business credit analysts can often work from home, especially if their employer offers remote work options. The role typically involves analyzing financial data, using software tools, and communicating with clients or team members, which can be done remotely with a computer and internet connection. However, some positions may require in-office presence for meetings or access to specific resources.

Do small business credit analysts make a lot of money?

Small business credit analysts typically earn a median annual salary that is competitive within the financial industry, with salaries varying based on experience, location, and employer size. Entry-level analysts may start lower, while experienced professionals with certifications like the CFA can earn higher salaries. Overall, the role offers a stable income but is generally not among the highest-paying finance jobs.
More about Small Business Credit Analyst jobs

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 83% Full Time, 14% 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.

Credit Analyst

Lake Ridge Bank

Middleton, WI • On-site

Full-time

Re-posted 28 days ago

Lake Ridge Bank rating

6.7

Company rating: 6.7 out of 10

Based on 6 frontline employees who took The Breakroom Quiz

137th of 174 rated banks

Job description

Lake Ridge Bank is in search of a Credit Analyst to join our underwriting team! The Credit Analyst will be responsible for spreading financial statements as required by Lake Ridge Bank loan policy. In addition, this role will analyze and underwrite commercial credits and partner with Underwriters and Business Relationship Managers in making credit decisions.
Financial Analysis
  • Accurately spread 'raw' business and ag financial statements into financial spreading software as collected (includes tax returns, balance sheets, profit & loss statements, aging reports and projections).
  • Verify accuracy and research discrepancies in 'raw' statements.
  • Provide credit analysis and identify trends based on collected financials and spreads on an ongoing basis for existing customers to Business, Commercial & Ag Bankers.
  • Monitor and verify borrowing base certificates and other loan covenants. Report findings to Underwriting Teams.
  • Maintain financial tracking system upon the waiver or change in financial tracking requirements.
  • Monitor and verify ongoing collection efforts.
  • Set up new customers on financial tracking system and set up ticklers for future collection.

Underwriting and Approval Process
  • Underwrite and facilitate new and renewal credits where the aggregate debt is generally at or below $1MM, and other less complex credits as assigned by the Small Business Underwriting Manager.
  • Collaborate with Underwriting Teams acting as a liaison between Business, Commercial & Ag Banker, Commercial Production staff, Credit Risk Department and other internal staff members as necessary
  • Ensure proper documentation of loan file via a loan proposal and post approval due diligence.
  • Work with third party individuals as needed such as evaluation/appraisal orders and environmental due diligence.
  • Full Knowledge of the Small Business Model (SBM) & Small Ag Model (SAM) systems and how they facilitate loans quickly through the overall loan process.

Adhere to all Bank Security/Compliance Regulations
  • Complete all annual bank security and compliance training.
  • Adhere to Bank Security/compliance and policy guidelines for commercial production and/or loan area
  • Maintain confidentiality of customer information at all times.
  • Stay current on all compliance regulations

Requirements
  • Associates degree in Finance, Accounting, Business and/or similar field of education and/or three (3) years previous work experience in a lending environment
  • Solid understanding of financial statements including but not limited to tax returns, profit & loss statements, income statements, balance sheets, and other business financials
  • Well-developed interpersonal and communication skills (verbal & written) in order to communicate and relate effectively with customers and associates
  • Good accounting/math skills with the ability to work precisely with numbers and financial calculations
  • Strong attention to detail with the ability to work efficiently & accurately
  • Demonstrated ability in exercising independent judgment
  • Strong organizational skills, including the ability to prioritize and remain calm while working in a fast paced/deadline driven environment
  • Good working knowledge of Microsoft Office Suite, proficient typing/keyboarding skills and the ability and willingness to learn new programs and software
  • Ability to maintain confidential customer information
  • Ability to read, write, understand and speak English clearly
  • Ability to represent the organization in a professional, positive manner

PREFERRED QUALIFICATIONS:
  • Bachelor's degree in Accounting or Finance
  • Previous experience in credit analysis or commercial underwriting within a financial institution
  • Previous work experience in accounting and / or working with business financial statements
  • Previous experience working in a lending environment, preferably in a financial institution setting

This position is a full time position with hours of 8am - 5pm Monday-Friday with the flexibility.
Lake Ridge Bank values a diverse workforce and is an Affirmative Action/Equal Opportunity Employer.
Consistent with Lake Ridge Bank's commitment to employ and advance qualified individuals with disabilities, Lake Ridge Bank provides reasonable accommodation to apply for or perform a job. Some examples of reasonable accommodation include alternate methods to apply, providing documents in an alternate format, altering work procedures, specialized equipment or use of an interpreter. If an individual needs reasonable accommodations to apply or perform a job here at Lake Ridge Bank, please contact Human Resources at (608) 849-2700 or email us.

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