Top Credit Analyst Jobs

Manages credit risk review systems, data practices, portfolio analytics, risk indicators, and regulatory reporting for commercial and consumer banking portfolios. Supports audits, examinations, Board reporting, risk-based review planning, risk-rating validation, and process improvements. Collaborates with credit, banking, and managed asset teams while ensuring compliance with regulatory guidance and internal policies.

Lead development and monitoring of credit risk strategies for consumer bank portfolios. Use advanced quantitative analysis and regulatory knowledge to design, implement, and report on credit strategies, mitigate operational and compliance risk, mentor analysts, and present insights to senior leadership to optimize profitable growth within risk appetite.

Leads complex credit analysis, underwriting, transaction structuring, and portfolio risk management for capital finance exposures. Evaluates borrower financials, collateral, leverage, liquidity, covenants, and enterprise value; prepares credit recommendations and loan committee presentations; structures asset-based and structured lending transactions; monitors portfolio performance and borrowing bases; identifies emerging risks; and develops mitigation plans for stressed credits.

Supports the Private Banking Credit Team with credit administration, portfolio monitoring, syndicated loan and participation administration, and credit risk analysis. Responsibilities include preparing Credit Committee minutes, maintaining review schedules and credit files, onboarding virtual data rooms, organizing borrower documentation, monitoring lending relationships, developing analytical tools, and assisting with portfolio management recommendations. Requires a bachelor’s degree or equivalent experience, financial statement analysis knowledge, strong organization, communication, and interpersonal skills.

Underwrite auto finance deals by analyzing credit reports, income, book value, scoring, stipulations, fraud risks, and portfolio performance. The role investigates applications, communicates with customers, dealers, field representatives, employers, and creditors, supports sales and credit issues, handles high call and email volumes, generates reports, and may supervise a DSR while driving profitability and process improvement.

Performs corporate credit analysis, underwriting, portfolio monitoring, risk rating, financial modeling, and due diligence for Technology, Media, and Telecom borrowers. Evaluates transaction structures, operating performance, industry and regulatory risks, credit deterioration, and policy compliance. Supports senior credit officers, relationship managers, and portfolio managers; prepares credit applications and watch-list presentations; and contributes to structured credit transactions and special projects.

Analyzes financial statements, tax returns, credit reports, cash flow, ratios, and trends for new and renewed loans. Prepares borrower analysis reports and supports informed lending decisions, loan reviews, regulatory compliance, underwriting standards, and problem-loan identification. Assists with portfolio reporting and administrative processes while collaborating with lenders, supervisors, and loan administration.

Makes and reviews equipment lease and loan credit decisions using credit scores, risk ratings, financial statements, and external reporting. Structures approvals, monitors credit lines, renews transactions, negotiates challenging credits, and ensures compliance with risk guidelines. Partners with sales, originations, documentation, collections, portfolio management, and IT; supports scoring model maintenance, resolves application issues, mentors junior analysts, and meets turnaround and portfolio performance goals.

Evaluate and underwrite illiquid lending opportunities across fund finance, structured finance, and investment-grade corporate credit. Build financial and bond pricing models, perform scenario and sensitivity analyses, assess covenants and risks, prepare investment and credit committee papers, support due diligence and loan closings, review loan documentation, and coordinate internal teams, advisors, and borrowers throughout deal execution.

Supports enterprise credit risk analytics across consumer lending products. Responsibilities include analyzing loan performance and financial data, researching counterparty risk, assessing creditworthiness, assisting with loss forecasting models, monitoring key risk indicators, conducting root-cause analysis, and preparing insights for senior management. The role also involves data manipulation, visualization, reporting, cross-functional collaboration, and presentations. This is a 12-week internship for students pursuing a quantitative degree.

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.

Research Analyst responsible for identifying investment opportunities in non-investment-grade credit, evaluating industry and credit trends, developing financial models, preparing credit reports and presentations, and influencing portfolio decisions. The role covers high-yield and leveraged-loan assets, requires management and industry relationship development, and involves collaboration with traders and portfolio managers.

Lead credit risk strategy for consumer, card, and deposit portfolios using quantitative analysis, develop and implement credit strategies, monitor performance and regulatory compliance, produce financial and risk reporting, mentor analysts, partner with stakeholders, and drive model or analytics infrastructure improvements to optimize profitable growth within risk appetite.

Underwrite automotive finance deals by analyzing credit reports, income, collateral value, scoring, and documentation validity. Investigate potential fraud, communicate with customers, dealers, employers, and creditors, and make approval decisions. Track portfolio performance and early charge-offs, supervise a DSR, provide dealer and sales support, manage high call and email volumes, and generate reports while contributing to process improvements and team leadership.

Analyze commercial real estate credit for new and existing borrowers by spreading financial statements, preparing credit memoranda, researching industries, reviewing loan documents, and monitoring covenants and financial reporting. The role supports lending and credit officers, maintains complete credit files, follows up with clients, assists with delinquencies and documentation, and helps manage portfolio credit risk.

Underwrite and monitor commercial credit portfolios, prepare credit approval memos and review materials, analyze financial statements and projections, track covenants, assign risk ratings, identify emerging risks, maintain accurate credit data, and report findings to credit leadership and relationship teams. The role also supports portfolio reviews, special projects, and occasional employee onboarding.

Analyzes financial data, credit reports, and customer accounts to assess creditworthiness, recommend credit limits and terms, monitor risk and delinquency, resolve credit issues, and prepare management reports. Collaborates with sales and accounting teams to improve credit processes and mitigate risk.

Performs credit risk monitoring, analysis, reporting, and data quality support for a bank portfolio. Uses Excel, Power BI, Python, R, and SQL to produce actionable insights, maintain reporting, investigate data inconsistencies, and support governance, audit, SOX, and regulatory requirements. Collaborates across credit risk, finance, lending, and analytics teams, assists with custom reporting and onboarding, and ensures compliance with banking policies and regulations.

Paid finance internship supporting commercial credit analysis and lending for heavy equipment and commercial trucks. Responsibilities include reviewing credit applications and financial statements, calculating financial ratios, researching credit information, preparing credit summaries and loan documentation, monitoring accounts, supporting collections and reporting, and communicating with internal teams and customers. The intern will use Microsoft Office tools, protect confidential information, and work full-time on-site.

Supports commercial lenders, underwriters, portfolio managers, and analysts by entering and analyzing financial statements, rent rolls, collateral, market data, and guarantor financials. Tracks borrower reporting, covenant compliance, leasing status, and periodic reviews. Conducts CRE market research using CoStar, REIS, and other resources, reviews financial and loan documentation, prepares quarterly credit reviews, resolves data inconsistencies, and supports audit and examination compliance.

Prepares financial statement spreads and credit analysis reports for corporate and commercial real estate loans. Evaluates repayment sources, loan grades, risk factors, collateral, borrower compliance, and renewal recommendations. Maintains the loan analysis pipeline, supports lending teams, ensures Sarbanes-Oxley compliance, and participates in ad hoc projects.

Supports credit risk analytics for the bank’s loan portfolio, including data analysis, risk assessment, stress testing, model maintenance, reporting, and data quality reviews. Assists with regulatory examinations, internal audits, COSO and SOX controls, process automation, system implementations, and credit procedure documentation. Acts as a subject matter expert on loan source data and collaborates with Credit, IT, Compliance, auditors, and regulators.

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.

Analyzes commercial and commercial real estate lending opportunities by reviewing financial statements, tax returns, cash flow, collateral, repayment capacity, and credit risk. Prepares credit memoranda, recommends loan structures and risk ratings, supports lenders and credit officers, monitors portfolio quality, reviews documentation, and assists with stress testing, annual reviews, and regulatory compliance.