Top Credit Analyst Jobs

Own a portfolio of overdue merchant credit accounts from initial outreach through repayment, recovery, or escalation. Negotiate repayment plans, monitor delinquency and recovery metrics, maintain audit-ready records, and ensure compliance with U.S. collections and lending regulations. Coordinate with Risk, Finance, Legal, and Product on complex cases while improving collections tooling, automation, workflows, and operating processes.

Own a portfolio of overdue merchant credit accounts, manage collections from outreach through resolution, negotiate repayment plans, monitor delinquency metrics, document case activity, ensure compliance with US collections and lending regulations, coordinate escalations with Risk, Legal, Finance, and Product, and improve collections tooling, automation, and workflows.

Conduct fundamental credit analysis of convertible issuers, evaluating capital structures, liquidity, covenants, recovery, and refinancing risk. Assess stressed credit positions and support portfolio sizing, hedging, and exits. Analyze primary market transactions, monitor portfolio exposures, develop issuer views, and identify emerging risks. Build scalable, data-driven credit analysis tools using AI, LLMs, and agentic workflows while presenting concise recommendations to portfolio managers.

Analyzes structured credit investments, including CLOs, CMBS, ABS, and RMBS, across new-issue and secondary markets. Responsibilities include underlying asset analysis, credit and relative-value research, quantitative alpha strategy development, portfolio construction, and supervised trade execution. The role requires Python programming, large-dataset analysis, structured finance experience, and familiarity with platforms such as Intex, Valitana, and Bloomberg.

Lead credit risk strategy for lending products by analyzing portfolio performance, identifying risk drivers, refining underwriting and pricing policies, and conducting A/B tests. Partner with Data Science to develop and monitor credit models, while building AI-enabled workflows that automate analysis and surface risk signals. Collaborate cross-functionally with Risk, Product, Engineering, Operations, and Data Science to support scalable fintech growth and compliant automated credit decisioning.

Analyze municipal bond credits, financial statements, legal documents, and market trends to develop trade ideas and credit recommendations. Prepare credit notes, comparables, reviews, and marketing materials; support primary and secondary trading activities; conduct sector research; build tools to automate desk tasks; and engage with issuer and investor clients in a fast-paced trading-floor environment.

Conduct financial data analytics, leveraged finance research, and corporate credit analysis for highly leveraged middle-market companies. Responsibilities include sourcing and validating financial data, building Excel, Python, and SQL analytical tools, performing quantitative analysis, creating visualizations, reviewing financial statements, supporting credit surveillance and rating recommendations, preparing committee materials, and engaging with lenders, investors, and bankers.

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.

Analyzes credit information for existing and prospective customers, approves or recommends lending decisions, and evaluates portfolios for credit quality issues. The role assesses risk, recommends corrective actions, and uses analytical tools to support credit decisions while minimizing potential losses. It requires strong knowledge of credit analysis, administration, policy, procedures, and risk analysis, along with effective communication and report-writing skills.

Supports commercial lending through credit analysis, financial statement spreading, loan underwriting, portfolio monitoring, risk rating reviews, covenant compliance, and credit renewals. Prepares loan narratives and financial analyses, researches industries, maintains credit documentation and tracking systems in LoanVantage, assists with audits and regulatory examinations, and advises lending staff on documentation and compliance requirements.

Provides credit risk and portfolio management reporting to senior bank leadership. Develops recurring portfolio reports, maintains commercial reporting systems, monitors regional and corporate performance metrics, supports model risk management, collects economic data, and prepares quarterly economic reports. The role also assists with credit policy processes, provides information to risk management and finance teams, and supports special projects.

Supports credit and customer data operations by maintaining account records, processing customer setup and maintenance requests, resolving data and workflow errors, validating system changes, coordinating with Credit Managers, routing communications, completing mail merges, and preparing KPI reports. The role ensures accurate synchronization across systems, supports acquired customer records, and assists with data cleanup and process improvements in a high-volume environment.

Analyze private credit portfolios to assess risk, return, concentration, liquidity, downside exposure, and emerging vulnerabilities. Review transactions, borrower fundamentals, covenants, capital structures, and deal terms; monitor portfolio limits and performance; prepare risk reporting and commentary for senior stakeholders; research credit markets and risk techniques; and collaborate with technologists to improve data quality, automation, and risk infrastructure.

Supports the order-to-cash process through cash application, deductions management, collections, account reconciliation, and resolution of customer payment discrepancies. Processes payments and adjustments, monitors aging balances, contacts customers, prepares reports, supports audits, and collaborates with Sales and Finance. The role uses SAP, HighRadius, Blue Planner, and Excel while cross-training across Accounts Receivable workstreams.

Supports credit application processing, credit file maintenance, dealer communication, credit investigations, account monitoring, and annual credit reviews. The intern collaborates with senior credit staff and assists with short- and long-term departmental projects. Candidates must be enrolled in an accredited degree program, commit to at least 12 months, work 20 or more hours weekly, maintain a minimum 2.8 GPA, and demonstrate Microsoft Office proficiency, organization, and communication skills.

Assesses customer credit risk, recommends credit limits and payment terms, manages order releases, and supports collections across the Americas. Analyzes aging, credit exposure, DSO, bad debt, and payment behavior; assists with dispute resolution and escalation processes. Partners with Sales, Customer Service, Collections, and customers to resolve payment issues while maintaining compliance. Supports accounts receivable reporting, customer segmentation, analytics, standardization, and working-capital optimization.

Analyzes the creditworthiness and risk of financial institutions, foreign banks, broker-dealers, clearing organizations, government-sponsored entities, and sovereigns. Performs underwriting, assigns credit ratings and probability-of-default assessments, establishes credit limits, conducts annual reviews, and recommends approvals. Evaluates financial, operational, economic, political, and country-risk factors while collaborating with business lines, Risk, Compliance, Audit, and other stakeholders to maintain effective risk-management frameworks and regulatory compliance.

Assesses financial information and credit quality for major agribusiness clients, prepares credit submissions, recommends loan structures, completes annual reviews, monitors covenants, and supports relationship managers. The role requires corporate or institutional banking experience, strong credit and risk management expertise, analytical ability, and effective stakeholder and client engagement.

Evaluates client creditworthiness using credit reports, financial statements, and account data; monitors payment history and credit risk; prepares credit reports; identifies risk and supports collections and credit-term adjustments. Maintains accurate records, ensures policy and regulatory adherence, communicates with clients, and collaborates with sales, finance, and customer service. The role is fully onsite for the first 90 days, then hybrid with approval.

Underwrites new and existing commercial credit relationships by analyzing financial statements, tax returns, cash flow, collateral, repayment capacity, and credit risk. Prepares credit memoranda and recommendations, identifies policy exceptions and weaknesses, monitors borrower performance, maintains documentation, and collaborates with lenders and internal partners on credit decisions.

Analyze investment-grade bank and financial institution bonds, conduct financial and market research, develop credit opinions and investment ideas, monitor market conditions, and communicate actionable recommendations to portfolio managers. The role requires corporate credit experience, direct bank coverage, fixed-income market knowledge, financial modeling, quantitative analysis, and understanding of bank capital, liquidity, and regulatory requirements.

Evaluates consumer, commercial, and commercial real estate credit applications through financial, cash flow, collateral, and risk analysis. Prepares credit memoranda, recommends loan terms and covenants, monitors compliance, researches market and industry conditions, conducts portfolio stress testing, evaluates vendor and ACH client financials, and supports lenders. Provides policy guidance and mentors credit staff.

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.