Top Credit Analyst Jobs

Supports the credit trading desk through market research, quantitative and qualitative analysis, trade idea development, risk assessment, data collection, backtesting, prototyping, and performance monitoring. The intern shadows investment professionals, learns credit markets and related products, presents projects to the investment team, and helps implement trading and risk-system solutions under mentorship.

Performs complex commercial equipment finance credit analysis, financial statement spreading, underwriting, credit memo preparation, portfolio reviews, covenant testing, risk rating, collateral analysis, and repayment-capacity assessment. Evaluates borrowers and guarantors, identifies credit risks and policy exceptions, recommends loan structures and controls, supports renewals and modifications, maintains underwriting data integrity, and ensures compliance with banking regulations and audit requirements.

Analyzes commercial customers’ financial statements to assess creditworthiness and repayment ability. Prepares financial statement spreads and written analyses supporting credit underwriting, primarily for lower-complexity branch credits. The role requires applying accounting principles, evaluating extensive financial information, drawing conclusions, handling confidential matters, meeting multiple deadlines, and communicating findings accurately. Work is performed under supervision in the bank’s Credit Department.

Analyzes applicant and business financial information to assess credit risk, support loan underwriting, prepare loan documents and proposals, complete risk ratings and pricing worksheets, monitor covenants and portfolios, and maintain credit files. Supports lenders with credit reports, appraisals, flood determinations, financial statement spreading, compliance activities, delinquency notices, and loan committee preparation.

Manage customer credit accounts, establish credit lines, conduct credit investigations, assess creditworthiness, minimize risk, collect overdue balances, resolve disputes, monitor account status, and collaborate with finance teams. The role supports cash flow, credit policy compliance, customer relationships, and process improvements in a complex global organization.

Provides credit and collections services, evaluates and recommends customer credit limits, monitors receivables and past-due accounts, manages credit risk using agency reports, coordinates collections, prepares bankruptcy court claims, and communicates credit information across the company. The role also maintains credit controls, supports asset protection, and participates in external credit forums.

Analyze financial statements and credit data to assess account creditworthiness and recommend credit terms, payment arrangements, and protection plans. Collaborate with underwriters, producers, agency management, and operations teams on credit risk decisions and policy estimates. Support collections, minimize bad debt, verify charges, meet turnaround standards, and participate in account or agency visits as needed.

Analyze investment-grade bank and financial institution bonds, evaluating credit fundamentals, capital adequacy, asset quality, funding, liquidity, market conditions, and relative value. Develop credit opinions and investment ideas, communicate actionable recommendations, and support portfolio decisions through financial modeling, quantitative analysis, and ongoing market research.

Underwrite and monitor commercial credit facilities through financial statement analysis, due diligence, cash flow and DCF modeling, risk assessment, and portfolio management. Prepare credit packages for executive leadership, evaluate capital structures and asset risk coverage, maintain internal risk ratings, and improve credit analysis processes. Partner with stakeholders on workflow and system initiatives, conduct company and industry analysis, and train less experienced team members.

Underwrite and price debt-portfolio acquisitions, build loan- and cohort-level cashflow forecasts, track portfolio performance vs. underwritten IRR/MOIC, diagnose return shortfalls, and establish underwriting standards, monitoring, and reporting to guide capital allocation decisions.

The Credit Analyst II is responsible for conducting financial analysis of commercial loans, preparing reports, mentoring junior analysts, and ensuring compliance with regulatory requirements.

The CMBS Analyst will monitor credit performance, perform cash flow analysis, derive asset valuations, and contribute to research and reporting.

Analyze commercial and business lending opportunities, build thorough credit memos, evaluate financial statements, cash flows and collateral, monitor loan portfolio and covenants, ensure regulatory compliance, and support internal teams with reporting and process improvements to enhance member experience.

Perform independent commercial loan underwriting and credit analysis (cash flow, collateral, tax returns, industry and management analysis). Recommend risk grades, develop covenants and loan structures, review appraisals, support portfolio management and regulatory exams, assist with loan documentation and customer meetings, and train/mentor junior analysts while maintaining data integrity and compliance.

Perform independent commercial credit underwriting and risk analysis including cash flow, collateral, industry, management, and tax return analysis. Prepare loan structures, covenants, and documentation; support portfolio management, regulatory examinations, and lender presentations. Inspect properties, review appraisals, mentor junior analysts, and maintain data integrity and compliance.

Perform credit risk analysis and accounting for credit losses, forecast and compute the Allowance for Credit Losses (ACL), support model development and monitoring, prepare journal entries and reporting for SEC/regulatory/executive packages, collaborate with risk and business teams, and respond to audits and regulatory inquiries.

Perform and review complex credit analyses and financial statement spreads, compute covenant compliance, prepare reports (marketable securities, delinquency), assist Board reporting, support Credit Officers and Administrators, use Moody's tools and Excel, and provide administrative support to the Credit Management Department.

Perform independent commercial credit underwriting including cash flow, collateral, industry and management analysis. Prepare credit write-ups, recommend risk grades, develop loan structures and covenants, assist lenders with portfolio management, reviews, appraisals, loan documentation, and customer interactions. Train junior analysts and support regulatory exam and reporting activities.

The Sr. Credit Analyst supports commercial lending through financial analysis, underwriting, and credit assessments. They prepare loan presentations, monitor credit quality, and ensure compliance with regulatory requirements.

The Risk Analyst II role involves analyzing credit risk, monitoring credit performance, developing credit policies, and conducting data analysis and validation.

The Senior Credit Analyst evaluates credit profiles and financial documentation to assess risk, recommend loan eligibility, and contribute to credit policy development while collaborating closely with internal teams and leadership.

Underwrite vehicle finance deals for Westlake's Acquisitions unit: analyze credit reports, income, book value and fraud indicators; interact with dealers, customers and third parties; track portfolio performance and early charge-offs; supervise direct reports as needed; handle high call volume, reporting, and dealer support.

Lead due diligence and analysis of private credit funds (drawdown, private BDCs, interval funds). Source and monitor investments, write memos/commentary, present findings, educate financial advisors, manage vendor and internal relationships, and attend on-site/annual meetings.

Perform due diligence and underwriting for DSCR mortgage loans, manage a pipeline of 25–30 deals, communicate with investors and brokers, prepare asset summary reports, coordinate vendors, and support loan closings while building client relationships and attending industry events.

Underwrites complex commercial loans, prepares credit presentations and financial analyses, evaluates borrower and guarantor risk, reviews covenants and collateral, manages annual file reviews and loan pipeline reporting, and supports lending committees, audits, compliance, and examinations. The role also mentors employees, trains staff on commercial underwriting, documents policy exceptions, conducts due diligence, and communicates credit recommendations to lenders and decision-makers.