Top Credit Analyst Jobs

Analyzes asset-based lending portfolios, including cash flow, liquidity, leverage, collateral, debt coverage, enterprise value, and repayment sources. Supports underwriting, periodic portfolio reviews, renewals, refinancing, risk mitigation, and problem-loan resolutions. Builds client relationships, identifies portfolio gaps, recommends solutions, collaborates with product and senior functional partners, and supports credit product planning and servicing.

Supports asset-based lending portfolio management by analyzing client cash flow, liquidity, leverage, collateral, enterprise value, repayment sources, and credit risk. Assists with underwriting memoranda, portfolio reviews, renewals, refinancing, problem-loan resolutions, and client servicing. Collaborates with senior peers, product management, and coverage partners to identify risks, resolve issues, improve credit solutions, and maintain client relationships.

Develops and optimizes credit strategies for small business lines of credit and card products. Responsibilities include underwriting, account management, risk segmentation, exposure management, portfolio analytics, strategy testing, reporting, governance, and regulatory support. The role uses SQL and analytical tools to translate customer and portfolio data into implementable credit policies and business requirements, while partnering with Credit, Risk, Product, Finance, Compliance, Operations, and Technology teams.

Own the full commercial credit underwriting lifecycle, including application review, KYB verification, credit bureau analysis, limit-setting, documentation, escalations, and decisioning. Identify risk patterns, support backtesting of policy changes, improve workflow automation, develop SOPs, and coordinate with Fraud on overlapping application-stage signals.

Reviews customer and vendor creditworthiness, analyzes financial statements and payment histories, establishes credit limits, monitors exposure, releases blocked orders, and supports collections. Partners with Accounts Receivable, Sales, Customer Service, Logistics, Operations, and Finance to resolve credit issues. Prepares credit reports, supports audits and SOX controls, updates SAP and ERP systems, and assists with process improvements and journal entries.

Analyze U.S. residential mortgage-backed securities transactions for credit ratings, evaluating collateral, deal structures, credit enhancements, legal frameworks, and key credit risks. Present findings to rating committees, conduct modeling, sensitivities, comparisons, and stress testing, and contribute to analytical methodologies. Produce market commentary and engage with bankers, issuers, investors, and other market participants.

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.

Supports commercial real estate credit investments from sourcing and underwriting through execution and portfolio monitoring. Builds property and loan cash flow models, performs due diligence and scenario analysis, prepares investment memoranda, supports loan structuring and negotiations, monitors covenant compliance, and identifies emerging risks. The role requires advanced Excel modeling, sound credit judgment, strong communication, and familiarity with real estate investment banking or private equity transactions.

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.

Support traded-products counterparty credit risk analysis by monitoring exposures, sizing limits, and improving exposure methodologies and tooling. Partner with sales, trading, credit officers, quantitative research, technology, and operations to perform deep dives, report risks, form risk appetite views, and drive AI-enabled workflow improvements and firmwide initiatives.

Support a macro credit trading desk by managing daily P&L and risk processes, booking and pricing trades, monitoring exposures, assisting client-driven execution, and conducting scenario analysis and stress testing. Build analytics, dashboards, and automation to improve desk workflows. Products include CDS indices and tranches, index options, futures, and total return swaps.

Analyzes and values private credit assets used as collateral for corporate borrowings. Responsibilities include credit analysis, financial modeling, underwriting, loan mark recommendations, risk assessment, transaction support, and portfolio monitoring across industries and sectors.

Oversee enterprise accounts receivable credit and collections, including credit reviews, risk analysis, payment terms, collection escalations, month-end close, bad debt reserves, reconciliations, and audit support. Partner with Sales, RevOps, Billing, Legal, Finance, and Treasury to resolve billing issues and improve cash flow. Develop automation and AI-driven enhancements for order-to-cash processes while maintaining strong customer relationships.

Manages customer accounts receivable by resolving discrepancies, disputing short payments, monitoring account status, managing credit holds, supporting collections, and coordinating with sales and customer service. Provides invoices, credit memos, and statements while analyzing credit data and financial statements to assess credit risk and determine appropriate credit extensions.

Performs commercial business credit underwriting by analyzing financial statements, tax returns, business plans, collateral, repayment capacity, and lending risks. Coordinates with commercial lenders, prepares loan packages, supports approval decisions, conducts appraisal and site reviews, and ensures compliance with credit union policies and BSA, AML, OFAC, CIP, and MDD requirements. Maintains documentation and protects member financial information.

Prepares and underwrites commercial loan requests and renewals by analyzing cash flow, collateral, financial statements, tax returns, industries, management, and repayment capacity. Monitors covenants, borrowing bases, compliance requirements, and portfolio credit risk; maintains credit files and reports. Supports annual reviews, loan presentations, inspections, classified asset reporting, and lender activities while adhering to bank policies and regulations.

Underwrites commercial loan requests by analyzing financial statements, tax returns, cash flow, collateral, industry conditions, management, repayment capacity, and credit risk. Develops risk grades, covenants, loan structures, and credit recommendations while supporting portfolio management, regulatory examinations, loan reviews, and documentation. Interacts with borrowers, lenders, legal counsel, and loan committees; may inspect properties, present credit requests, manage processes, and mentor junior analysts.

Manage customer account portfolios, review aging and payment histories, follow up on past-due accounts, resolve invoice discrepancies and payment disputes, verify order and billing accuracy, enter invoices, and establish new customer accounts. The role collaborates with customers and internal teams to support timely payments, accurate account information, order processing, and customer satisfaction.

Approves or recommends credit decisions for new, renewed, and extended loans. Conducts comprehensive credit analysis, evaluates customer accounts and portfolios, identifies credit quality issues, assesses risk, and recommends actions to minimize potential losses. The role requires expertise in commercial and real estate underwriting, credit policy, risk analysis, financial analysis, technical report writing, and communication.

Supports credit underwriting and monitoring for moderately complex corporate and infrastructure clients. Analyzes financial statements, projections, collateral, covenant compliance, legal documentation, and industry data to assess creditworthiness and risk. Reviews client requests for policy compliance, supports portfolio reviews, participates in loan structuring and documentation, and contributes to diligence, approval recommendations, and funding activities under manager oversight.

Analyzes financial statements, creditworthiness, default risk, mark-to-market exposure, and trading activity to recommend credit limits and security requirements. Manages credit requests, supports underwriting policies, reporting, bad-debt reserves, and system alignment between PDI and Oracle ERP. Partners with Commercial, Legal, and Finance teams and oversees an outsourced credit team while contributing to process improvements and special projects.

Analyzes financial statements, credit data, collateral changes, and commercial loan requests to assess borrower risk. Prepares accurate loan presentations and assigns risk ratings for less complex loans and renewals. Collaborates with commercial lenders to gather customer information. This onsite entry-level position provides foundational experience in commercial credit analysis and lending.

Performs commercial credit analysis, underwriting, portfolio monitoring, financial statement spreading, cash flow analysis, covenant testing, risk rating, appraisal review, and annual credit reviews. Prepares credit decision summaries, assigns credit and industry codes, uses loan and financial systems, and participates in loan committees. A bachelor’s degree is required, with accounting, finance, or business preferred.

Underwrite and approve commercial equipment finance transactions, analyze financial statements, tax returns, cash flow, leverage, liquidity, and industry risk, and prepare credit recommendations. The role partners with Sales on financing structures, evaluates exceptions, supports portfolio reviews and reporting, participates in audits and process improvements, ensures regulatory compliance, and communicates decisions to stakeholders. It also offers opportunities to influence credit policy and develop toward Credit leadership.

Reviews and approves commercial credit applications within policy limits, communicates decisions, analyzes financial statements and cash flow, monitors delinquent and high-risk accounts, ensures regulatory compliance, maintains partner relationships, and prepares credit risk reports for management.