Top Credit Analyst Jobs

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.

Manages accounts receivable and credit operations, including billing, payment processing, cash application, collections, delinquency follow-up, deductions, short-pay resolution, credit applications, credit limits, order releases, and month-end support. The role collaborates with Sales, Order Entry, National Accounts, and Credit leadership while improving financial accuracy and operational efficiency.

The Credit Analyst supports commercial banking by analyzing financial health and credit data of customers, making lending recommendations, and preparing financial analyses and reports.

Evaluate commercial, consumer, and mortgage credit by underwriting loan requests, analyzing financial and collateral information, reviewing appraisals, maintaining loan documentation and monitoring systems, coordinating third-party reviewers, ensuring compliance with bank policies and regulations, and liaising with lenders and colleagues.

Evaluate creditworthiness of individuals and businesses by analyzing credit data and financial statements, verifying income/employment, reviewing credit reports and FICO scores, producing financial ratios and reports, recommending loan approvals/denials, setting loan terms, identifying delinquent accounts, and resolving customer issues.

Analyze and spread financial statements and tax returns, draft commercial credit write-ups, maintain loan grading and statement tracking, prepare credit reports and annual reviews, ensure compliance and confidentiality, and support loan documentation and reporting.

Perform detailed due diligence and underwriting for merchant cash advance products by analyzing financial statements, bank and credit card statements, and credit reports; assess creditworthiness, authorize funding within policy limits or recommend exceptions, review contracts for compliance, collaborate with sales and internal teams, and document decisions for compliance.

Underwrite and monitor commercial loan relationships, analyze financial statements and credit data, prepare credit/write-up and models, recommend structures and risk ratings, ensure policy compliance, and support credit committees and relationship managers throughout the loan lifecycle.

Analyzes individual and business financial information to assess creditworthiness, repayment capacity, cash flow, debt coverage, and lending risk. Prepares narrative credit reports and communicates findings to loan officers, loan committees, and bank leadership. Updates annual financial reviews, identifies trends and concerns, collaborates on documentation, attends lending meetings, and represents the bank in the community while supporting customer relationships and product promotion.

Underwrite and adjudicate commercial credit submissions, structure deals, manage syndication and funding-partner relationships, develop credit scoring and policy, build monitoring dashboards, analyze portfolio performance, and mentor junior analysts while collaborating across credit, sales, accounting, and data teams.

Support first-line credit risk oversight for Private Banking by transforming data into timely, automated reports and actionable insights. Analyze portfolio metrics (originations, limits, KRIs, stressed credits), manage stressed exposures, drive working groups and risk committees, maintain documentation and policies, and partner with stakeholders to enable data-driven risk management across lending products.

Perform underwriting and ongoing monitoring of commercial loan portfolios by analyzing financial statements, tax returns, and industry data; prepare credit analyses, risk ratings, cash flow and covenant sensitivity models; recommend deal structure and conditions; partner with relationship managers, present findings at credit committees, ensure policy and compliance adherence, and maintain accurate data in bank systems.

Analyze commercial credits and perform complex financial statement and cash-flow analysis. Prepare and review Credit Approval Summary packets (using Moody's CreditLens), review spreads, research legal loan documentation, create pricing worksheets, provide quality control and training, serve as loan committee secretary, and support underwriting and loan structuring.

Analyze commercial credit requests by preparing credit approval packets and financial statement spreads, performing basic-to-moderate financial analysis, learning loan structuring and documentation, supporting pricing and loan committee tasks, and assisting with onboarding and training.

Perform credit analysis, underwriting, and monitoring for commercial loan portfolios. Prepare cash flow analyses and credit decision summaries, spread and review financial statements, test covenants and borrowing bases, review appraisals, assign risk ratings/NAICS codes, use credit systems, and participate in loan committees.

Analyze municipal credits across sectors to support public finance banking, sales, underwriting, and trading. Monitor issuer credit quality and market/regulatory changes, produce written sector notes, provide credit support for primary and secondary markets, assist with RFPs and presentations, and develop relationships across issuers, investors, and internal fixed-income teams.

Perform credit underwriting and ongoing monitoring for commercial loan portfolios. Analyze financial statements, tax returns, and industry data; prepare credit memos, risk ratings, cash flow and covenant sensitivity models; recommend structures and conditions; support credit committees and relationship managers; ensure policy compliance and accurate data entry.

Analyze commercial clients' credit risk through financial statement review, cash flow and collateral valuation, and estimate loan loss reserves. Prepare monthly/quarterly/annual reports, support internal/external reporting and regulatory reviews, participate in projects, and maintain compliance with accounting standards and internal controls.

Underwrite and monitor commercial credits, prepare credit approval memos and portfolio reviews, run projection models, track covenants and financial statement analysis, generate portfolio reporting, identify and escalate credit risks, and ensure data accuracy and compliance with bank credit policies.

Analyze and underwrite US credit and CLO-related financing, structure credit solutions, prepare approval memos, set and monitor internal risk ratings, and coordinate with front line, legal, and risk partners to support portfolio management and loan growth.

Support commercial credit underwriters by preparing financial statement spreads, analyzing trends, assisting credit memoranda, monitoring borrower performance and covenants, conducting industry research, summarizing loan documentation, and learning bank credit policies, systems, and ancillary products to support relationship growth and cross-sell opportunities.

Evaluate small business loan and lease applications by analyzing commercial and consumer credit reports, underwriting risk, determining credit terms and limits, and communicating decisions to dealers. Ensure compliance with lending policies, negotiate contract terms via inbound/outbound calls, protect consumer data, and perform related duties. Position requires occasional travel and overtime as needed.

Manage customer credit accounts and accounts receivable for assigned customers: review and set credit limits, release credit-held orders, perform collections, resolve invoice disputes, monitor aging, prepare credit/A-R reports, and collaborate with Sales and internal teams to ensure timely payments and order flow.

Perform KYC and commercial credit due diligence on customers and counterparties, verify legal-entity and ownership structures, run sanctions/PEP/adverse-media screens, assess financial statements and creditworthiness, assign risk ratings, prepare written risk assessments, maintain audit-ready documentation, and partner with commercial teams to support compliant onboarding.