Top Credit Analyst Jobs

Monitors commercial loan portfolios, reviews financial statements and covenant compliance, supports credit memos and renewals, tracks construction loan draws, identifies credit risks, maintains documentation, prepares portfolio reports, and supports client loan servicing. Collaborates with portfolio managers, relationship managers, credit administrators, credit officers, internal teams, and vendors to ensure regulatory and policy compliance.

Analyzes commercial credit requests by preparing credit approval summaries, spreading financial statements, evaluating cash flow, leverage, debt service coverage, loan structures, collateral, and covenants. Uses Moody’s CreditLens and bank systems, researches loan documentation, supports pricing worksheets and loan committee activities, and contributes to training and onboarding.

Analyzes personal and business financial statements, tax returns, credit reports, industry trends, collateral, and borrower risk. Prepares financial projections, credit analyses, loan write-ups, forecasts, and committee materials. Supports loan officers and relationship managers with underwriting, renewals, covenant monitoring, credit reviews, loan maintenance, compliance, and portfolio monitoring.

Supports credit underwriting and monitoring for infrastructure finance transactions. Analyzes financial statements, projections, industry data, collateral, covenants, transaction structures, and stress scenarios; evaluates risks and creditworthiness; prepares approval documentation; monitors portfolios; reviews compliance with policies and regulations; and collaborates with credit, risk, legal, and market partners.

Reviews commercial real estate and residential loan files, analyzes borrower financial statements, cash flow, collateral, and credit risk, and prepares recommendations for loan approvals, renewals, and modifications. Monitors loan performance, delinquencies, and potential defaults while ensuring compliance with credit policies, regulations, and documentation standards. Supports audits and collaborates with loan officers, underwriters, legal teams, and credit administration staff.

Underwrites commercial, real estate, private banking, and consumer loans; prepares credit memos, analyzes financial statements, cash flow, collateral, guarantors, and risk ratings; conducts annual and loan reviews; monitors problem assets; spreads financial statements; evaluates covenants; supports portfolio management, loan committees, appraisals, and credit analytics.

Owns consumer credit reporting accuracy across loan and credit card products. Responsibilities include data validation, Metro 2 submissions, dispute investigations, regulatory compliance, defect root-cause analysis, corrective actions, automation, offshore team oversight, escalations, and cross-functional remediation. The role requires maintaining accurate, timely reporting to credit bureaus while meeting FCRA and other statutory deadlines.

Underwrites and monitors commercial credit for financial institution clients. Responsibilities include preparing credit approval memos, reviewing financial statements, tracking covenants, running risk-rating and projection models, monitoring portfolios, identifying emerging risks, preparing portfolio reports, and supporting credit reviews. The role also resolves data and documentation issues, maintains compliance with credit policies, and may assist with employee training and special projects.

Performs commercial credit underwriting, portfolio monitoring, financial and risk analysis, covenant tracking, credit memo preparation, projection modeling, and portfolio reporting. Identifies emerging risks, evaluates financial statements and credit ratings, resolves data or documentation issues, and supports portfolio reviews. Partners with portfolio managers and other banking teams while developing the ability to complete increasingly complex underwriting processes independently.

Evaluates customer creditworthiness through financial statement, credit report, payment history, and business analysis. Manages customer account portfolios, recommends credit limits and terms, monitors risk exposure, resolves billing and payment issues, and partners with Sales and customers to support growth. Maintains compliance with company policies, internal controls, and SOX requirements while improving reporting, automation, documentation, and operational efficiency.

Underwrite and monitor commercial credit portfolios, prepare credit approval memos and portfolio reviews, track covenants, assess financial performance and risks, run projection and risk-rating models, maintain accurate credit data, and escalate emerging issues. The role supports renewals, periodic reviews, criticized-period reporting, and underwriting increasingly complex credits with limited oversight.

Manage the full accounts receivable cycle, including payment posting and reconciliation, collections, invoicing, customer account maintenance, dispute resolution, and billing reports. Provide responsive customer support on AR questions while coordinating with internal teams. The role requires accuracy, strong communication, Excel proficiency, independent prioritization, and problem-solving skills.

Analyzes commercial credit and residential construction loan requests, evaluates lending risks, and supports underwriting decisions. Conducts annual relationship reviews and site inspections while collaborating with business lending and branch teams to grow loan, deposit, and business service relationships. Maintains confidentiality, supports positive member experiences, and manages multiple priorities with independent judgment and proactive problem-solving.

Analyzes new, renewal, and extension loan applications; evaluates borrower credit information, accounts, portfolios, and potential credit-quality issues. Approves credit or recommends lending decisions while balancing credit quality, risk, and potential losses. Uses software tools to compare alternatives, support credit analysis, and develop recommendations. Requires strong knowledge of credit policy, administration, risk analysis, and finance-related disciplines.

Reviews commercial loan files and portfolios to assess credit risk, loan quality, collateral, financial performance, and compliance. Performs stress testing, reporting, quality control, due diligence, risk-grade meeting facilitation, and project management. Supports third-party reviews, administers the loan review system, prepares management reports, and trains and mentors junior analysts.

Supports Relationship Managers by analyzing commercial borrowers, evaluating credit risk, preparing credit authorizations, spreading financial statements, building projections and financial models, and monitoring loan documentation and compliance. The role requires credit analysis and underwriting experience, strong accounting and analytical skills, proficiency with Excel and Microsoft Office, and the ability to manage multiple priorities in an onsite banking environment.

Analyze credit risk and financial strength of counterparties across structured finance, real estate corporate, and commercial real estate portfolios. Perform counterparty reviews, assign internal and regulatory risk ratings, monitor covenant and portfolio performance, assess industry trends, and escalate emerging risks. Support regulatory initiatives, methodology improvements, audits, examinations, and ongoing monitoring while communicating findings to senior management.

Researches corporate bonds and credit markets for a large fixed-income portfolio. Assesses issuer and industry credit quality, maintains ratings, monitors exposures, prepares research reports, and provides buy, sell, and hold recommendations to portfolio managers and investment leadership. The role also develops research relationships, analyzes corporate management commentary, supports underwriting and renewal decisions, and builds quantitative financial models.

Evaluates the financial condition of individuals and businesses for commercial loan requests, renewals, and annual reviews. Spreads and analyzes business and personal financial statements and tax returns, performs covenant and borrowing-base testing, monitors commercial credit relationships, and makes preliminary underwriting recommendations. The role also participates in loan committee meetings, ensures underwriting and compliance requirements are met, and maintains knowledge of credit policies, procedures, and NCUA regulations.

Underwrite commercial working capital loan and lease applications, evaluate financial and credit bureau information, verify business details, recommend credit decisions, communicate decisions to sales representatives, escalate transactions exceeding lending authority, and ensure compliance with credit policies and audit procedures.

Lead quantitative analysis and portfolio research for commercial credit portfolios. Develop insights from internal and external data, build dashboards and monitoring tools, recommend actions on emerging risks and performance, partner with Treasury/Finance/Credit stakeholders, and coach junior analysts to improve CPM analytical capabilities and reporting.

Analyzes floorplan credit applications and account risk using financial statements, tax returns, credit reports, legal documents, UCC filings, and collateral information. Performs cash flow, profitability, liquidity, and trend analysis; verifies documentation; assesses creditworthiness and collateral requirements; ensures legal and regulatory compliance; and communicates with customers, management, and sales teams to resolve credit issues.

Processes business credit applications, investigates applicant creditworthiness and potential fraud, conducts background research, establishes credit limits, updates account profiles, communicates decisions, supports Sales and Accounts Receivable, manages inquiries, and periodically reviews active customer accounts using updated credit information and scoring.

Performs commercial credit underwriting, portfolio monitoring, financial and risk analysis, covenant tracking, projection modeling, credit memo preparation, and portfolio reporting. Identifies emerging risks, evaluates financial data, supports credit reviews, maintains data accuracy, and escalates documentation or analysis issues. The role develops end-to-end underwriting capability, supports special projects, and may assist with employee training.

Analyzes moderately complex commercial loans and borrowers by reviewing financial statements, cash flow, collateral, creditworthiness, industry conditions, and risk factors. Prepares underwriting analyses, approval memorandums, recommendations, and updated credit files. Supports loan origination, monitors regulatory compliance, researches industries, participates in customer meetings, and identifies policy deviations or alternative loan structures. Maintains confidentiality while meeting quality and timeliness standards.