Top Credit Analyst Jobs

Supports Relationship Managers by analyzing commercial borrowers and prospects, evaluating credit risk, preparing credit authorizations, spreading financial statements, developing projections and financial models, and completing cash flow analyses. Reviews loan documentation, monitors compliance and risk requirements, prepares borrower presentations, and assists with credit administration and departmental projects.

Performs commercial credit analysis and underwriting for complex loan requests. Evaluates borrower and guarantor financials, collateral, repayment sources, market conditions, projections, and risk scenarios. Produces detailed credit memoranda and management reports, researches industry data, recommends credit terms, identifies policy deviations, and supports loan officers and executive management. Maintains regulatory compliance, confidentiality, and professional development while providing leadership and customer service.

Assess the financial stability and creditworthiness of banks, broker-dealers, and other member firms. Analyze financial statements, capital adequacy, profitability, asset quality, and liquidity; conduct annual reviews and ongoing surveillance; identify risks and mitigants; maintain credit risk ratings; support monitoring tools and automation; and collaborate with market risk, legal, compliance, product, and relationship management teams.

Supports commercial real estate relationship and portfolio managers by analyzing financial statements, credit quality, covenants, and emerging risks. Prepares credit analyses and memoranda, assists with approval presentations and deal originations, evaluates refinancings and construction projects, monitors budgets and construction draws, and supports term-sheet preparation and negotiation. Maintains compliance and financial-statistics databases while collaborating with credit, origination, portfolio management, and technical teams.

Lead commercial credit administration, portfolio risk management, underwriting operations, and credit quality initiatives. Oversee analysts and portfolio managers, evaluate borrower financials and lending risks, monitor covenants and portfolio exceptions, recommend credit decisions and workout strategies, improve processes and reporting, ensure regulatory compliance, support audits and examinations, and maintain relationships with borrowers, credit unions, and internal stakeholders.

Assess the creditworthiness and financial strength of hedge funds, mutual funds, private equity funds, and other counterparties. Conduct counterparty reviews, recommend internal ratings, set risk limits, and evaluate derivatives and funding transactions using quantitative models and stress tests. Partner with trading and sales teams across OTC derivatives, prime brokerage, and repo businesses to manage credit exposure and support risk decisions.

Conducts risk-focused internal audits of credit risk management, lending, counterparty credit risk, controls, and regulatory compliance. Responsibilities include assessing credit lifecycle processes, monitoring emerging risks, engaging stakeholders, identifying control deficiencies, evaluating credit risk measurement and governance, and reporting issues to senior management. The role requires knowledge of capital adequacy, Basel requirements, stress testing, risk reporting, financial modeling, and credit risk products.

Conducts financial, industry, and credit analysis for commercial loan underwriting within the Commercial Workout Department. Evaluates borrower creditworthiness, financial condition, cash flow, collateral, risk factors, and policy compliance. Prepares approval memorandums and recommendations for lending and credit authorities, maintains credit files, monitors updated financial information, and supports loan origination and renewals. Works increasingly independently with lending teams and may participate in customer meetings requiring occasional domestic travel.

Analyzes credit information for existing and prospective customers, approves or recommends lending decisions, and evaluates loan renewals and extensions. Reviews portfolios for credit-quality issues, assesses risk, and recommends actions to minimize potential losses. Uses analytical tools and software to compare options and support credit decisions. Requires strong knowledge of credit analysis, credit administration, policy, procedures, and risk analysis, along with effective report writing and communication skills.

Analyzes new and existing commercial credit relationships, evaluates borrower financials and repayment capacity, identifies credit risks and policy exceptions, prepares credit memoranda and recommendations, and monitors ongoing portfolio performance. Collaborates with lenders and internal partners to obtain due diligence information, resolve credit questions, maintain documentation, and escalate emerging risks.

Performs commercial loan portfolio credit analysis, underwriting, monitoring, and annual reviews. Responsibilities include cash flow analysis, financial statement spreading, credit decision summaries, borrowing base and covenant testing, risk grading, NAICS and call code assignment, appraisal review, and participation in loan committees. Uses financial spreading, loan, and other credit systems to ensure accurate and timely credit decisions.

Build and update financial models, cash-flow forecasts, and scenario analyses; analyze company financial statements, debt, liquidity, financing needs, and repayment capacity; reconcile data, document assumptions, and prepare lender-facing summaries. Coordinate research and analytical handoffs between New York and Singapore while supporting financing, exposure, GPU rental, and token pricing benchmarks.

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.

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.

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.

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.

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.

Underwrite, structure, monitor, and maintain credit products and client portfolios in the Consumer industry. Responsibilities include financial and industry analysis, risk rating, LEA/LGD and RAROC modeling, credit report preparation, covenant monitoring, economic capital calculations, transaction approvals, and identifying early warning signals. Partner with relationship managers and internal stakeholders while maintaining portfolio quality and communicating risk assessments.

Supports credit risk analytics through loan portfolio modeling, stress testing, data quality reviews, reporting, and regulatory examination assistance. Maintains loan accounting systems, develops reports, documents models and controls, supports COSO and SOX compliance, and identifies automation and process improvement opportunities. Serves as a subject matter expert on loan source data and collaborates with Credit, IT, Compliance, auditors, and regulators on system implementations, reporting standards, and internal procedures.