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Sr Commercial Credit Analyst Jobs (NOW HIRING)

MRI - Angott Search Group

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Senior Commercial Credit Analyst

Miami, FL · On-site

$120K - $130K/yr

The Senior Commercial Credit Analyst will work closely with lending and credit teams, independently managing complex transactions and serving as a trusted resource throughout the underwriting and ...

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Lake Michigan Credit Union

WI · On-site

$90 - $130/hr

About this position The Senior Commercial Credit Analyst role is responsible for assessing the risk(s) of commercial loan requests, managing the administrative requirements of a commercial loan ...

Unity Bank

Senior Commercial Credit Analyst

Oregon, WI · On-site

$90 - $120/hr

The Opportunity As a Senior Commercial Credit Analyst, you'll evaluate the risk of extending credit by reviewing borrower and guarantor financial information and turning your analysis into clear ...

Columbia Bank

Sr. Commercial Credit Analyst II

Freehold, NJ · On-site

$109K - $164K/yr

Minimum of 7 years experience as a Senior Commercial Credit Analyst required. * Current or prior lending authority required * Working knowledge and understanding of commercial loan products, policies ...

Columbia Bank

Sr. Commercial Credit Analyst II

Rahway, NJ · On-site

$109K - $164K/yr

Minimum of 7 years experience as a Senior Commercial Credit Analyst required. * Current or prior lending authority required * Working knowledge and understanding of commercial loan products, policies ...

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How much do sr commercial credit analyst jobs pay per year?

As of Sep 4, 2026, the average yearly pay for sr commercial 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.

What does a Sr Commercial Credit Analyst do?

A Sr Commercial Credit Analyst evaluates the creditworthiness of businesses applying for loans or credit lines. They analyze financial statements, assess risk factors, and provide recommendations to help financial institutions make informed lending decisions. Senior analysts often handle complex or high-value cases, mentor junior staff, and help develop credit policies and procedures. Their work is crucial in minimizing the risk of default and ensuring the financial health of their organization.

What are some common challenges faced by a Sr Commercial Credit Analyst, and how can they be addressed?

Sr Commercial Credit Analysts often encounter challenges such as evaluating complex financial statements for large or multifaceted businesses, staying updated on industry-specific risks, and managing tight deadlines during loan reviews. To address these, analysts benefit from ongoing training in financial analysis, leveraging advanced credit risk assessment tools, and collaborating closely with relationship managers and underwriters. Regular communication with borrowers and internal teams also helps clarify uncertainties and ensures accurate risk profiling.

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

To thrive as a Sr Commercial Credit Analyst, you need strong analytical skills, expertise in financial statement analysis, and a background in finance or accounting, often supported by a bachelor’s degree or higher. Familiarity with credit risk assessment tools, financial modeling software, and platforms like Moody’s or S&P Capital IQ is typically expected. Exceptional attention to detail, effective communication, and sound judgment help you interpret data and present recommendations clearly. These skills are important because they enable accurate risk evaluation, support sound lending decisions, and protect the financial institution from potential losses.
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Senior Commercial Credit Analyst

MRI - Angott Search Group

Miami, FL • On-site

$120K - $130K/yr

Full-time

Medical, Dental, Vision, Life, PTO

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Job description

Park Avenue Group, a division of Angott Search Group,  is pleased to partner with a respected financial institution in the search for a Senior Commercial Credit Analyst. This position will play a critical role in evaluating and underwriting complex commercial, commercial real estate, and other credit requests while providing lenders and senior leadership with thoughtful, well-supported credit analysis. 


The Senior Commercial Credit Analyst will work closely with lending and credit teams, independently managing complex transactions and serving as a trusted resource throughout the underwriting and portfolio management process. 


What You'll Do: 

  • Underwrite new commercial, commercial real estate, and consumer credit requests, including renewals, modifications, annual reviews, and loan increases. 
  • Prepare comprehensive credit approval memoranda outlining borrower and guarantor background, loan purpose, sources of repayment, financial performance, risk factors, and recommendations. 
  • Spread and analyze business and personal tax returns, financial statements, K-1s, rent rolls, personal financial statements, projections, and other supporting documentation. 
  • Evaluate cash flow, debt service coverage, global debt service coverage, liquidity, leverage, collateral, guarantor strength, and repayment capacity. 
  • Apply the Five Cs of Credit to all credit decisions: Capacity, Capital, Collateral, Character, and Conditions.  
  • Research industry trends and market conditions affecting existing and prospective borrowers. 
  • Review appraisals, environmental reports, construction reviews, property inspections, and other collateral documentation. 
  • Pre-screen prospective loans, modifications, and increases and recommend loan amount, structure, terms, covenants, and whether to proceed. 
  • Identify and escalate red flags, emerging risks, covenant violations, and early warning indicators. 
  • Monitor covenant compliance and communicate concerns to lending and credit leadership.
  • Communicate with borrowers as needed to obtain financial information, clarify underwriting questions, and understand business objectives. 
  • Collaborate with Loan Servicing and other internal teams to resolve pre-closing credit conditions. 
  • Assist with collateral monitoring, portfolio stress testing, and other credit risk initiatives. 
  • Maintain accurate credit files and ensure compliance with applicable policies, regulations, and risk-rating requirements. 
  • Coach and mentor Credit Analysts and Credit Specialists, helping develop their skills and ability to manage increasingly complex transactions. 


What You Bring: 

  • Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field. 
  • Minimum of five years of commercial credit underwriting or analysis experience, including complex commercial and/or commercial real estate transactions. 
  • Formal credit training through a bank, institutional lender, RMA, ABA, or comparable program required. 
  • Strong understanding of commercial credit analysis, financial statement analysis, cash flow analysis, collateral evaluation, and risk assessment. 
  • Demonstrated ability to analyze complex financial statements, tax returns, projections, and other financial information. 
  • Strong financial statement spreading skills and proficiency with financial analysis software; Sageworks or similar experience preferred. 
  • Experience preparing sophisticated commercial credit memoranda. 
  • Intermediate-to-advanced proficiency in Microsoft Word and Excel. 
  • Excellent written and verbal communication skills with strong financial and credit vocabulary. 
  • Strong attention to detail, organization, judgment, and analytical skills. 
  • Ability to independently manage complex credit requests and collaborate effectively with lenders, credit leadership, and other internal partners. 
  • Experience coaching or mentoring junior credit professionals preferred.