Top Credit Analyst Jobs

Analyzes borrower credit information, underwrites complex loan requests, prepares loan memorandums, ensures compliance with lending policies, supports lenders and senior management, maintains customer relationships, and mentors and trains credit analysts. The role also coordinates internal and external training, participates in credit reviews and hiring, and helps develop the credit department.

The Credit Analyst evaluates borrower financial performance, collateral, credit risk, underwriting, and loan transactions. Responsibilities include monitoring borrower compliance, analyzing financial statements and trends, maintaining loan records, processing payments, supporting SBA reporting, ensuring documentation meets policies, and responding to servicing inquiries. The role works closely with loan officers, borrowers, and management while maintaining accurate records and regulatory compliance.

Evaluates credit risk for equipment finance loans and leases by analyzing financial statements, industries, collateral, cash flow, debt-service capacity, and customer information. Makes credit decisions within assigned authority, assigns risk ratings, prepares analyses for lenders, monitors credit-policy compliance, escalates risk issues, and supports internal controls, audits, and regulatory standards.

Performs complex credit analysis, financial statement review, risk scoring, credit approvals, exposure aggregation, and portfolio monitoring for multiple business units. Manages high-risk accounts, credit terms, A/R aging, DSO, reserves, SOX compliance, and audit documentation. Maintains customer master data in Microsoft Dynamics 365, develops Power BI dashboards, supports system integrations, and leads process improvements. Collaborates with sales, collections, operations, legal, and leadership while mentoring junior analysts and presenting portfolio analysis.

Underwrite and monitor commercial credit portfolios, prepare credit approval memos and portfolio reviews, evaluate financial statements and projections, track covenants, assign risk ratings, identify emerging risks, maintain credit data accuracy, and escalate deficiencies. The role also supports reporting, special projects, employee onboarding, and increasingly complex underwriting with limited oversight.

Leads budgeting, forecasting, reporting, variance analysis, financial modeling, and month-end close support. Develops and presents financial insights to senior leaders, evaluates investments and capital allocation initiatives, conducts what-if analysis, and collaborates cross-functionally to explain financial performance and business impacts.

Lead and mentor a small trade credit analytics team, oversee day-to-day trade credit operations, drive process improvements and controls, produce reports and insights, collaborate cross-functionally, and support team development and project execution to meet KPIs and SLAs.

Manages credit functions for freight forwarding and contract logistics business units. Develops and implements credit policies and controls, reviews customer creditworthiness, and approves credit limits and payment terms. The role requires finance expertise, strong credit analysis experience, policy development experience, and familiarity with the logistics and freight forwarding industry.

Own credit risk policy optimization, limit-setting, experimentation, forecasting, and portfolio monitoring. Design A/B tests, build performance reporting and dashboards, identify emerging risks, and partner with Machine Learning, Product, Engineering, and Operations to improve risk models and customer outcomes. Monitor deployed model performance and translate analytical findings into actionable policy and product changes.

Supports the Commercial Credit Department through financial statement analysis, commercial borrower and credit request evaluation, loan structure exposure, credit risk assessment, and special projects. Collaborates with credit leadership, commercial lenders, and market presidents while developing foundational financial analysis skills. Maintains compliance with applicable banking regulations, including the Bank Secrecy Act.

Build and maintain credit analytics infrastructure, including reporting, investor and performance data refreshes, automated Python pipelines, and data quality documentation. Conduct credit research and ad hoc analysis for Credit, Finance, Underwriting, Capital Markets, and Product teams. Translate complex findings into defensible business recommendations and ensure credit and loan performance data remains accurate, documented, and reliable.

Analyzes commercial lending applications by reviewing financial statements, tax returns, credit and legal information, collateral appraisals, and loan covenants. Supports underwriting, credit approval memorandums, loan processing, annual reviews, compliance reporting, and credit file maintenance. Requires strong financial analysis, judgment, communication, attention to detail, confidentiality, and knowledge of commercial lending regulations and policies.

Underwrite moderately complex commercial loan requests, analyze borrower financial statements and cash flow, assess credit and industry risks, prepare credit packages and memos, conduct covenant monitoring and annual reviews, evaluate collateral, and ensure compliance with bank policies, regulatory requirements, and risk appetite. Collaborate with relationship and portfolio managers while supporting sound lending decisions.

Analyze commercial clients’ credit and financial information, including statements, tax returns, cash flow, collateral, and repayment sources. Prepare credit approval packages, spreadsheets, summaries, and written analyses for loan decisions. Support new, renewed, and existing loan requests while ensuring compliance with internal policies, security requirements, and commercial lending regulations.

Supports commercial credit analysis and underwriting by reviewing financial statements, credit history, market conditions, and key financial ratios. Updates electronic loan files, requests borrower information, evaluates credit strengths and weaknesses, assists with loan terms, monitors maturities, and prepares reports on past-due loans, collateral exceptions, appraisal fees, and loan summaries. Ensures compliance with applicable banking regulations and policies.

Analyze global corporate credit markets across liquid and private assets, interpret large datasets, and contribute to timely investment research and thought leadership. Responsibilities include producing charts and client materials, fulfilling bespoke data requests, supporting client meetings, collaborating across macro strategy and regional economics teams, and helping modernize data infrastructure. The role requires strong quantitative, statistical, econometric, communication, and market research skills.

Manages commercial credit risk and collections for assigned business units. Reviews credit applications, approves customer limits up to $500,000, monitors exposure and aging reports, resolves disputes and delinquent payments, negotiates payment plans, validates ERP order holds, prepares reports, and collaborates with sales and operations. The role also supports credit training, process improvements, customer relationships, and performance against DSO, current-account, bad-debt, and cash-collection KPIs.

Independently underwrite complex commercial credits, including CRE and C&I, by analyzing financial statements, projections, cash flow, collateral, risk ratings, and regulatory compliance. Prepare comprehensive credit analyses and recommendations for approvals, renewals, modifications, or denials. Manage portfolio monitoring, covenant testing, quality control, and special credit administration projects. Mentor junior analysts, support Relationship Managers, develop training materials, and advise on loan policy, structuring, and underwriting.

Analyzes borrower credit information, underwrites complex loan requests, prepares loan memorandums, and ensures compliance with lending policies. The role supports lenders and senior management, participates in credit reviews, maintains customer relationships, mentors and trains credit analysts, coordinates training, and contributes to credit department development and hiring.

Analyzes commercial borrowers’ financial statements, creditworthiness, and financial risks to support lending decisions. Partners with lenders and leadership, applies loan review procedures and lending regulations, documents findings, and communicates credit recommendations. The role supports the financial health of the commercial loan portfolio while maintaining accuracy, compliance, and sound banking practices.

Monitors market participant liabilities, credit exposures, collateral postings, payment deadlines, and compliance with ERCOT Protocols. Evaluates prospective participant applications, reviews financial positions, maintains collateral records, enforces credit remedies, responds to market participant inquiries, and supports departmental credit finance activities.

Supports credit analysis and underwriting by reviewing financial statements, borrowing history, credit reports, and market conditions. Assists with maintaining electronic credit files, requesting borrower information, assessing credit strengths and weaknesses, preparing loan terms, monitoring maturities, compiling credit administration reports, and ensuring compliance with applicable regulations and policies.

Supports credit analysis and loan underwriting by reviewing financial statements, credit reports, borrowing history, and market conditions. Updates electronic credit files, gathers financial information from Loan Officers, evaluates client credit strength, assists with loan terms, tracks maturities, prepares monthly credit administration reports, and follows applicable compliance policies.

Analyzes complex commercial credit requests, financial statements, cash flows, loan structures, collateral, and borrower risks. Prepares loan approvals, annual reviews, credit analyses, covenant compliance reviews, and reports. Partners with Commercial Loan Officers on customer calls and underwriting discussions, conducts third-party research, and provides creditworthiness recommendations. Mentors junior analysts and handles challenging assignments with limited oversight.

Manages customer credit and collections activities, including securing invoice payments, resolving deductions, reviewing credit holds, and addressing account issues with sales, customer service, tax, and finance teams. Maintains team inbox responsibilities and supports credit and collections processes. Requires strong communication, organization, critical thinking, negotiation, and knowledge of credit procedures, with SAP and Microsoft Office experience preferred.