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Credit Jobs (NOW HIRING)

Horizon Farm Credit

Agribusiness Credit Analyst

Dover, DE · On-site

$79K/yr

Horizon Farm Credit is actively recruiting for an experienced Agribusiness Credit Analyst to join our team. Qualified candidate may work in the Frederick, Dover, Georgetown, Mechanicsburg, Mount Joy ...

Farm Credit East

Credit Analyst Associate

Phelps, NY · Hybrid

$55K - $80K/yr

Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with nearly $15 ...

Farm Credit East

Credit Analyst Associate

Hudson, NY · Hybrid

$55K - $80K/yr

Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with nearly $15 ...

Horizon Farm Credit

Agribusiness Credit Analyst

Dover, DE · On-site

$79K/yr

Horizon Farm Credit is actively recruiting for an experienced Agribusiness Credit Analyst to join our team. Qualified candidate may work in the Frederick, Dover, Georgetown, Mechanicsburg, Mount Joy ...

Farm Credit East

Credit Analyst Associate

Hornell, NY · Hybrid

$55K - $80K/yr

Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with nearly $15 ...

Farm Credit East

Credit Analyst Associate

Lebanon, NJ · Hybrid

$55K - $80K/yr

Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with nearly $15 ...

Farm Credit East

Credit Analyst Associate

Riverhead, NY · Hybrid

$55K - $80K/yr

Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with nearly $15 ...

Farm Credit East

Credit Analyst Associate

Mayville, NY · Hybrid

$55K - $80K/yr

Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with nearly $15 ...

Horizon Farm Credit

Credit Resolution Officer

Denton, MD · On-site

$62K - $90K/yr

Horizon Farm Credit is recruiting for a Credit Resolution Officer to join our team. We have one position available, and the qualified candidate will work in either the Mechanicsburg, PA, Westminster ...

PenFed Credit Union

Credit Bureau Specialist

Omaha, NE · On-site

$18.56 - $29.36/hr

Overview PenFed is hiring a Credit Bureau Specialist to work onsite at our Omaha, Nebraska Service Center. The primary purpose of the Credit Bureau Specialist role is to investigate and respond to ...

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How much do credit jobs pay per hour?

As of Sep 7, 2026, the average hourly pay for credit in the United States is $23.19, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $25.96 per hour, depending on experience, location, and employer.

What is a credit analyst?

Credit analysts are financial professionals who evaluate the creditworthiness of individuals, companies, or organizations. They assess financial data, credit history, and economic conditions to determine the risk of lending money or extending credit. Their analysis helps lenders, such as banks or financial institutions, make informed decisions about approving loans or credit lines. Credit analysts also monitor existing accounts to identify potential risks and recommend actions to minimize losses. Their role is crucial in maintaining the financial health and stability of lending organizations.

What are different jobs in the credit industry?

There are many job positions in the credit industry, often available at a credit union, bank, or other lending organization. A credit analyst reviews applications and prior financial statements to approve or deny credit cards or loans. A credit manager oversees the entire process of granting credit. People in card security use their skills to look at fraud reports or review accounts for suspicious activity. While duties and responsibilities vary, most jobs focus on assessing the creditworthiness of potential borrowers.

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

To thrive as a Credit Analyst, you need strong analytical abilities, financial acumen, and typically a degree in finance, accounting, or a related field. Familiarity with credit scoring systems, financial modeling tools like Excel, and possibly certifications such as the Chartered Financial Analyst (CFA) are important. Attention to detail, effective communication, and sound judgment are critical soft skills for assessing risk and presenting findings. These competencies ensure accurate credit evaluations, minimize financial risk, and support informed lending decisions.

What are some common challenges faced by professionals working in credit analysis roles, and how can these be managed effectively?

Professionals in credit analysis often encounter challenges such as assessing the risk of clients with limited financial histories, managing large volumes of data under tight deadlines, and staying up-to-date with changing regulations. To manage these challenges effectively, credit analysts typically rely on robust analytical tools, ongoing training, and close collaboration with risk management and underwriting teams. Building strong communication skills also helps, as analysts often need to explain their assessments to both clients and internal stakeholders.

What is the difference between Credit vs Loan Officer?

AspectCreditLoan Officer
Required CredentialsHigh school diploma or equivalent; some roles may require a bachelor's degreeHigh school diploma or equivalent; often prefers some college or related experience
Work EnvironmentBanking, financial institutions, credit agenciesBank branches, mortgage companies, lending institutions
Employer & Industry UsageUsed across banking, credit reporting, and financial servicesPrimarily in banking and mortgage lending sectors
Comparison Search IntentUnderstanding credit management, credit analysisLoan application, approval process

While both roles are involved in financial services, a Credit professional typically assesses creditworthiness and manages credit accounts, whereas a Loan Officer focuses on evaluating loan applications and approving loans. The roles often overlap but serve different functions within the lending process.

What is a job in credit?

A job in credit involves assessing and managing the creditworthiness of individuals or businesses to determine their eligibility for loans or credit lines. Roles often include analyzing financial data, reviewing credit reports, and making recommendations, requiring skills in finance, attention to detail, and familiarity with credit scoring tools. These positions are common in banks, financial institutions, and credit agencies.
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Infographic showing various Credit job openings in the United States as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $48,239 per year, or $23.2 per hour.

Agribusiness Credit Analyst

Horizon Farm Credit

Mechanicsburg, PA • On-site

$79K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 17 days ago

Job description


Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance?
Overview: Horizon Farm Credit is actively recruiting for an experienced Agribusiness Credit Analyst to join our team. Qualified candidate may work in the Frederick, Dover, Georgetown, Mechanicsburg, Mount Joy, or Reedsville branch locations. To view locations, click here Locations | Horizon Farm Credit. The hours of operation are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for hybrid work schedule. Our ideal candidate has advanced knowledge of agricultural lending and extensive previous credit experience. This is a great opportunity to make a difference for agriculture and rural communities.
Position Description: In this position, you will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. Accurately and efficiently analyzes and underwrites loans in a sound manner to prospective and existing borrowers. Works closely with loan officers to structure, condition, and approve credits for our borrowers. Develops relationships with large or complex customers to more accurately and efficiently analyze the credit. Works independently with minimal supervision and is capable of underwriting relationships (including complex and distressed credits) of up to $10 million with some feedback from approvers. Provides leadership in alignment with management. Acts as mentor, trainer and credit resource to less tenured staff.
Areas of Responsibility Include but not limited to:
Based on Size, Scope, and Risk in the overall credit facility; complete the following:
  • Analyze financial information - accurately complete historical trends, pro-forma projections, debt repayment schedules, consolidations, sensitivity analysis, Probability of Default and Loss Given Default templates, source and use, commodity worksheets, and any other necessary schedules, worksheets, and/or template tools available to adequately support the overall credit recommendation.

  • Prepare a loan narrative that provides an adequate summary of the financial analysis, addressing the applicable five C's of credit, highlighting credit strengths and weaknesses that supports the credit recommendation.

  • Continue to study and be familiar with internal and external credit practices, loan products, and compliance standards to ensure sound and eligible credit recommendations are completed.

  • Actively collaborate with Loan Officers to add value by making loan structuring recommendations and finalizing credit recommendations

  • Actively collaborate with Processors to ensure effective processes are in place for positive loan processing and closing results

  • Quality review your work; ensure PD/LGD ratings are accurate, loan structure, and covenants are appropriate given the Size, Scope, and Risk

  • Effectively manage their loan underwriting pipeline and meet targeted turnaround time for loan decisions.

  • Maintain high level of communication with lending and operations. Ensure adequate file documentation.

  • Monitor larger agri-business accounts for compliance with loan covenants and other ongoing conditions of the loan approval. May be an informal specialist in a particular industry and serves as an Association expert on that industry

REQUIREMENTS:
  • Bachelor's degree or equivalent experience in Business Administration, Agriculture, Economics, or Finance.

  • Generally, a minimum of seven or more years of lending or credit experience.

  • An advanced knowledge of agricultural lending and related financial products and services and selling skills.

  • Superior verbal, written communication and analytical skills

  • Demonstrates leadership as a mentor, trainer, and credit resource to less experienced staff.

  • Ability to effectively communicate (verbal and written) with a large, geographically diverse team of co-workers.

  • Adaptable and flexible to a changing work environment.

  • Prolonged periods of sitting at a desk and working on a computer.

Who are we?
Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference for agriculture and rural communities.
What can we offer you?
We offer competitive compensation and benefits packages for full-time employees including:
  • Medical insurance with dental and vision care options

  • 401 (k) with significant employer matching

  • Paid time off, holidays and volunteer time to support work/life balance

  • Tuition reimbursement and training opportunities

  • Student loan reimbursement

  • Leadership and career development opportunities

  • Paid parental leave and short-term disability

  • Fun and inclusive work environment

The salary range for this position is $79,300 to $117,400, with a midpoint of $98,000. This range reflects current market compensation data and our commitment to competitive, equitable pay. The starting rate is based on the applicant's relevant experience, qualifications, and internal equity considerations. Most new hires are offered a starting rate between the minimum and midpoint of the range, although placement elsewhere in the range may be appropriate based on the candidate's qualifications and experience.
Equal Opportunity Employer including veterans and individuals with disabilities.

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