Top Credit Analyst Jobs

Performs commercial credit underwriting, portfolio monitoring, financial and risk analysis, covenant compliance reviews, credit documentation, risk modeling, and portfolio review preparation. Partners with Portfolio Managers to complete underwriting, identify risks, manage renewals, prepare credit approval materials, monitor borrower performance, and recommend remedial actions. May support special projects and train new employees.

Performs complex commercial credit analysis, evaluates cash flows and guarantors, prepares financial reports, supports loan committee presentations, and recommends credit decisions. Reviews high-risk and specialized loans, ensures accurate financial spreading, advises lenders on cash flow trends, and mentors other credit analysts. The role requires banking compliance knowledge, management of multiple deliverables, and regular travel to meetings and branch locations.

Underwrites commercial and consumer loans by analyzing financial statements, cash flow, retained earnings, balance sheets, credit risk, pricing, and risk weighting. Completes loan analyses and workflow requirements, documents findings, communicates missing information and concerns, follows underwriting and compliance procedures, meets file-processing goals, and recommends process improvements. The role requires regular travel to conferences, meetings, and branch locations and may follow a hybrid schedule.

Performs complex commercial loan credit analysis, including cash-flow and financial-statement review, risk assessment, underwriting, and written findings. Reviews loan committee packets, validates spreads and pricing details, communicates missing information to Relationship Managers, and may present analyses to loan committees. The role applies banking compliance requirements, supports process improvements, assists with special projects, and travels regularly to meetings, conferences, and branch locations.

Evaluates and manages B2B customer credit risk across the Americas. Responsibilities include financial statement analysis, credit limit decisions, portfolio reviews, risk mitigation, credit hold management, SOX reporting, process improvement, and collaboration with Sales, Legal, Finance, Collections, and leadership. The role maintains delegated credit approval authority up to $1 million and supports complex transactions, distressed accounts, reporting, and business initiatives.

Independently underwrites complex commercial credits by analyzing financial statements, projections, collateral, cash flow, risk ratings, and repayment capacity. Recommends credit approvals, modifications, renewals, or denials while ensuring policy and regulatory compliance. Supports commercial relationship managers, portfolio monitoring, covenant testing, quality control, and credit administration. Mentors junior analysts, contributes to training, and advises on loan structuring and underwriting decisions.

Participates in a two- to three-year commercial banking credit training program with rotations across lending groups. Analyzes financial statements, commercial loan requests, ACH and correspondent banking risks, and vendor risks. Prepares credit memoranda, supports credit approval and review processes, attends credit committee meetings, and develops analytical, presentation, and communication skills for future credit, portfolio management, relationship management, or business banking roles.

Supports Credit Risk Review through independent risk analysis, portfolio monitoring, reporting, dashboard development, automation, and process improvement. The role identifies emerging credit risks, trends, concentrations, and outliers; develops scalable analytical solutions; improves data quality and reporting efficiency; and prepares insights for senior management and governance committees. It partners with review teams and risk stakeholders to strengthen continuous monitoring, independent challenge, risk intelligence, and evidence-based oversight.

Supports credit portfolio management for large agricultural accounts by analyzing financial statements, tax returns, cash flow, credit reports, industry trends, and repayment capacity. Provides underwriting recommendations, conducts credit reviews, performs lien priority analysis, drafts security agreements and UCC-1 filings, supports collections and asset discovery, and maintains compliance with company procedures and applicable regulations. Collaborates with Credit Managers and cross-functional partners while managing financial reporting, data analysis, and accounts receivable activities.

Manages customer credit and collections, monitors aging accounts, establishes credit limits, reconciles billing issues, tracks cash applications, and protects lien and payment bond rights. The role prepares collection reports, handles tax exemption documentation, coordinates account holds and legal collections, resolves customer disputes, and partners with sales and other departments to improve cash flow and reduce bad debt.

Supports commercial lending objectives by underwriting commercial loans. Analyzes borrower and guarantor financial information, calculates key financial ratios, reports findings to commercial loan officers, and recommends borrower risk ratings.

Performs commercial credit underwriting and portfolio monitoring, including borrower and guarantor financial analysis, cash flow and risk assessment, financial modeling, credit approval memoranda, covenant compliance reviews, risk-rating validation, and portfolio reporting. Identifies emerging risks and policy exceptions, escalates concerns, maintains accurate credit data, supports credit committees, and provides technical guidance to junior analysts.

Supports credit application reviews, credit-limit recommendations, financial statement and business-report analysis, commodity-market risk assessment, and customer account maintenance. The intern identifies credit risks, develops payment options, and collaborates with Merchandising, Transportation, commercial teams, and customers to resolve credit and collection concerns.

Supports loan officers by analyzing mortgage and commercial loan applications, reviewing financial statements and tax returns, assessing borrower risks, recommending credit decisions, risk-rating loans, and ensuring compliance with lending policies. Provides guidance to relationship managers, prepares management reports, and assists senior credit analysts with complex applications. Occasional travel is required.

Investigates and resolves credit bureau disputes, complaints, inquiries, and reporting corrections. Reviews mortgage servicing records, payment histories, escrow activity, balances, and loan adjustments; submits updates through E-Oscar; ensures compliance with Metro 2, FCRA, RESPA, TILA, CFPB, and company policies; collaborates with internal departments and tracks dispute trends.

Investigates and resolves electronic credit bureau disputes, complaints, and reporting corrections. The role researches loan and payment records, verifies compliance with Metro 2 standards and regulations including FCRA, RESPA, and TILA, submits updates through E-Oscar, coordinates with internal departments, handles escalations, and maintains accurate documentation while meeting strict deadlines.

Evaluates customer creditworthiness, financial risk, credit limits, and collections for commercial accounts. Maintains credit records, reviews orders, communicates credit holds, resolves disputes, analyzes accounts receivable risk, and supports collection actions. The role partners with Sales, Operations, Finance, customers, and external stakeholders while managing lien rights, bond claims, credit policies, and multiple priorities.

Supports credit secondary investments across GP-led and LP-led transactions, NAV lending, and related credit opportunities. Responsibilities include financial modeling, due diligence, transaction structuring, investment committee preparation, legal documentation, term-sheet development, negotiations, and ongoing relationship and asset management. The role manages multiple transactions while partnering with senior investment professionals.

Develops and analyzes loan applications, including cash flow and collateral analysis. Spreads financial information, supports loan portfolio monitoring, tracks delinquencies and concentrations, maintains credit files, provides credit bureau information, and assists lending personnel with reports and loan committee activities. The role also involves community representation and ongoing credit training.

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 credit administration, compliance, and documentation tasks. Reviews business financial reports, prepares borrower presentations, monitors problem loans, and assists with related department projects.

Supports fundamental credit research on investment-grade and high-yield corporate bonds, develops Buy/Sell/Hold recommendations, evaluates industries and security protections, and helps calibrate portfolio risk. The analyst collaborates with senior investment professionals, maintains relationships with sell-side analysts and rating agencies, and communicates research findings supporting Pacific Life’s General Account investments.

Supports commercial lending through credit analysis, risk assessment, portfolio performance reporting, documentation review, compliance, dealer relationship support, and credit underwriting activities. The intern analyzes credit data, assists with lending decisions, monitors service levels, conducts dealer communications, and gains experience in automotive finance operations while supporting credit quality and business growth.

Manages credit and collections activities for company accounts across 250 or more stores. Provides high-volume phone and email support, evaluates customer credit risk, addresses past-due accounts, initiates collection actions, establishes payment plans, and processes requests for credit limit increases and special financing. Maintains credit management best practices while working independently in a fast-paced office environment.

Analyzes the creditworthiness and risk of financial institutions, foreign banks, broker-dealers, clearing organizations, government-sponsored entities, and sovereigns. Performs underwriting, assigns credit ratings and probability-of-default assessments, establishes credit limits, conducts annual reviews, and recommends approvals. Evaluates financial, operational, economic, political, and country-risk factors while collaborating with business lines, Risk, Compliance, Audit, and other stakeholders to maintain effective risk-management frameworks and regulatory compliance.

The Senior Credit Risk Analyst will conduct credit risk assessments, prepare credit policies, and support US government projects in various sectors while collaborating with government officials and preparing necessary documentation.