Top Credit Analyst Jobs

The Financial & Credit Analytics Analyst will build data models, perform credit analytics, and support reporting for lending products. Responsibilities include managing KPIs, loan servicing analytics, and process improvement.

Analyze and monitor CMBS transactions and underlying commercial real estate collateral; run surveillance reviews; prepare rating committee packages, present recommendations, and draft press releases and rating letters; assist with CRE CLO loan analysis and occasional site inspections. Travel 5-10%.

Lead RMBS credit analyst responsible for structuring and rating residential mortgage transactions. Perform cash flow testing, scenario/sensitivity and transaction analysis, evaluate collateral, legal and representation-and-warranty issues, coordinate with technology, contribute to model criteria, publish industry commentary, and engage with bankers, investors and originators. Domestic travel up to 10 days/year.

Own diligence and underwriting for institutional counterparties, recommend internal credit ratings and risk-based limits, monitor portfolio exposures, analyze asset volatility/liquidity for limit-setting, negotiate industry documentation, and collaborate with cross-functional teams to resolve complex client or product issues.

Coordinate end-to-end closing activities for complex commercial loan facilities, collect and validate due diligence and documentation, review credit approvals for conformity, manage title/liens/third-party reports, identify and escalate risks, and communicate status to bankers, underwriters, legal, vendors, and clients to ensure timely, accurate loan closings.

Assess borrower compliance with credit agreements for a portfolio, identify covenant breaches or potential defaults, interpret covenants, calculate cash flow and leverage ratios, upload agreement requirements to monitoring systems, perform credit analysis, and manage time to meet quality and SLA expectations while escalating non-routine issues.

The Distressed Credit Analyst will conduct research, analyze distressed credit situations, and collaborate with legal and editorial staffs to provide insights and reports for subscribers.

Support lead analysts on CMBS and real-estate credit ratings by evaluating credit risk, building stabilized cash-flow models for multiple property types, maintaining financial spreadsheets, aggregating market data, reviewing third-party reports, contributing to rating reports and committee materials, and interacting with issuers and investors while adhering to rating methodology and regulatory requirements.

Evaluate and underwrite credit for SME and enterprise financial products, monitor portfolio performance, and develop scalable credit risk frameworks. Collaborate with Commercial, Product, and Compliance teams to design data-driven underwriting and monitoring processes, identify AI-driven automation opportunities, and establish governance for automated decisions while ensuring alignment with risk appetite and regulatory expectations.

The Staff Credit Policy Analyst leads the development and governance of credit policies for home loans, ensuring compliance and operational efficiency while collaborating with leadership and cross-functional teams.

Support credit risk and operations by setting up and maintaining credit facilities, managing client reference data, reviewing credit requests, producing and resolving exception reports, researching discrepancies, and collaborating with stakeholders to ensure accurate credit exposure and controlled processes.

Cover stressed and distressed private filers across leveraged loans and high-yield bonds. Perform deep-dive credit analysis, maintain coverage surveillance, build financial and recovery models, review credit agreements, analyze restructurings and liability management, publish timely research, support legal analysts, and engage with clients via calls and webinars.

The Credit Analyst will analyze financial and non-financial data of clients, assessing repayment capacity, risks, and collaborating across teams to refine credit policies.

This role involves leading analytical projects to assess credit risk across various loan portfolios, developing frameworks for loan origination and loss forecasting, and collaborating with stakeholders to improve underwriting processes.

Coordinate preparation, review, and routing of commercial loan documentation; work with underwriters, outside counsel, and WLS to ensure complete loan packages, booking/funding, fee application, and collateral releases. Resolve documentation exceptions and correct onboarding errors.

Evaluate and underwrite large Pro customer credit requests, prepare and escalate credit packages, partner with sales and vendor underwriting, recommend credit lines, support program enhancements, ensure regulatory compliance and fraud protection, and communicate findings to stakeholders.

Underwrite and oversee middle-ticket commercial equipment financing transactions from $100,000 to $1,000,000. Analyze financial statements, tax returns, cash flow, collateral, and repayment capacity; conduct fraud checks and due diligence; approve transactions within delegated authority; and present credit recommendations to senior management. The role also involves dealer and collateral approval, audit compliance, documentation, and frequent collaboration with Sales, Credit, and Senior Management.

Conduct fundamental credit analysis and financial modeling for US non-bank financials. Monitor portfolio holdings and performance, assess relative value, provide buy and sell recommendations, assign ESG ratings, and communicate differentiated investment views. Collaborate closely with portfolio managers, traders, analysts, and global research teams across New York, London, and Asia.

Perform initial credit analysis for commercial loan requests, analyze company financials and relationships with UMB, prepare formal credit write-ups, support loan approvals, attend loan committee, and participate in credit rotation and interactions with senior management.

Manage a portfolio of B2B accounts, conduct inbound and outbound collections calls, resolve payment disputes, monitor aging and DSO, process EFT and check payments, document account activity, develop action plans for delinquent accounts, support credit reviews and account setup, and ensure compliance with credit policies and audits.

Assess and monitor hedge fund counterparty credit risk, independently review credit proposals and risk ratings, evaluate collateral and legal terms, perform stress testing, identify emerging risks, and prepare portfolio analysis, dashboards, and risk committee materials. The role ensures credit decisions comply with internal policies, risk appetite, and regulatory expectations while providing objective oversight of capital markets exposures.

Evaluate new and existing B2B customer credit profiles by reviewing credit reports, financial statements, and trade references; make complex credit decisions, negotiate terms, manage custom orders and records, monitor/report on accounts, mentor analyst team members, communicate findings to customers and internal teams, and ensure compliance with company policies.

Processes accounts receivable billing, receipts, cash applications, and customer payments. Follows up on delinquencies, deductions, short-pays, and unused credits; evaluates credit applications, establishes credit limits, and releases orders based on credit status. Supports National Accounts, month-end activities, invoice monitoring, and financial operations while collaborating with Sales, Order Entry, and leadership.

Analyzes customer financial information and creditworthiness for approvals exceeding $25,000. Reviews rebates, refunds, financing applications, and vendor prepay limits; maintains credit files for audits; supports credit system projects, testing, training, and policy implementation. Provides guidance to credit teams and coordinates with IT, accounting, treasury, and legal while ensuring compliance with company approval authorities.

Support lending and Credit Council with portfolio analytics, reporting, CECL inputs, and credit-risk evaluation. Build and maintain dashboards, validate KPIs, present findings, collaborate with Lending/ERM/Finance/Compliance, and recommend process and underwriting improvements to improve credit decisioning and reporting.