Top Credit Analyst Jobs

Oversees commercial credit portfolios, monitoring loan covenants, collateral, reporting, risk ratings, and client deliverables. Analyzes financial statements, cash flow, collateral, industries, and market conditions; underwrites new and existing transactions; prepares credit presentations and portfolio reports; escalates risks and develops action plans. Participates in client meetings, deal discussions, approval processes, and special portfolio-management projects.

Supports commercial portfolio management by analyzing financial statements, creditworthiness, repayment capacity, covenant compliance, industry trends, and portfolio risks. Prepares underwriting packages and credit summaries, recommends loan structures and collateral, supports credit decisions, monitors client performance, and assists with new, renewal, and extension loans. The role also helps maintain client relationships, develop business proposals, and ensure adherence to credit policies, regulatory standards, and risk guidelines.

Underwrite and monitor commercial credit relationships, including new requests, modifications, renewals, and ongoing portfolio risk. Analyze financial statements, tax returns, collateral, cash flow, covenants, industry trends, and guarantor information. Prepare financial models, risk ratings, credit analyses, and structure recommendations, while ensuring policy and regulatory compliance. Partner with relationship managers, participate in client and credit committee discussions, identify emerging risks, and support accurate credit decisions throughout the loan lifecycle.

Conducts consumer credit risk research, monitoring, reporting, and quantitative and qualitative analysis. Leads risk dashboards, trend analysis, RCSA reviews, control testing, risk governance improvements, and remediation planning. Builds models and automates reporting workflows, identifies emerging risks and root causes, develops management-ready reports, and mentors junior analysts. The role is hybrid in Amherst, New York, with occasional overnight travel.

Reviews and decisions equipment lease and loan credit requests using credit scores, financial statements, risk ratings, and commercial and consumer reporting data. Structures approvals, monitors credit lines, renews accounts, negotiates lease terms, and resolves issues with sales, operations, collections, and customers. Supports credit scoring model maintenance with IT and contributes to turnaround, approval, delinquency, and charge-off goals.

Manages credit and collections 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 makes decisions on credit limits and financing requests while following credit-management best practices.

Manages credit and collections for company accounts across 250 or more stores. Provides high-volume phone and email support, evaluates customer credit risk, processes limit increases and financing requests, initiates collection actions, and establishes payment plans for overdue accounts while following credit management best practices.

Own portfolio performance, delinquency and loss analysis, credit limits, exposure strategy, underwriting policy evaluation, and credit measurement standards. Partner with engineering to assess model performance, identify gaps, design tests, monitor calibration and drift, and produce recurring credit reporting. Support fair lending testing, adverse action reason quality, and credit documentation while using SQL, Python, and BigQuery for analysis.

Supports lead analysts in evaluating CMBS, REIT, and real estate operating entity credit risk. Responsibilities include modeling stabilized cash flows, maintaining financial projections, researching market data, reviewing property reports, monitoring industry indicators, drafting rating materials, supporting rating committees and regulatory disclosures, and communicating with issuers, investors, and intermediaries. The role requires developing expertise in North American commercial real estate, structured finance, and rating methodologies while maintaining compliance with company policies.

Independently underwrites complex agricultural and commercial credits by analyzing financial statements, projections, cash flows, collateral, risk ratings, and repayment capacity. The role prepares credit analyses and recommendations, ensures regulatory and policy compliance, monitors portfolios and covenants, supports relationship managers, and identifies risk-mitigation strategies. It also mentors junior analysts, contributes to quality control and training programs, and advises on loan structuring, approvals, renewals, modifications, and denials.

Conduct fundamental credit research across convertible securities, loans, bonds, and credit default swaps. Build financial models, evaluate issuer fundamentals and capital structures, assess transaction documentation, identify relative value and thematic opportunities, monitor portfolio positions, and communicate actionable trade recommendations with clear risks and investment rationales.

Owns credit loss forecasting processes, models, assumptions, and portfolio guidance for personal lending products. Performs scenario analysis, evaluates macroeconomic impacts, sizes changes to underwriting and pricing policies, supports return targets, maintains governance, escalates risks, and partners with Credit Strategy, Capital Markets, and Data teams. The role requires independent judgment, senior stakeholder influence, and mentorship of junior analysts.

Underwrite and recommend commercial, commercial real estate, personal, and business credits under senior lender guidance. Assess repayment sources, credit risks, financial statements, cash flow, balance sheets, and leverage. Prepare credit recommendations, loan documentation, escrow instructions, and customer correspondence. Order and interpret title, valuation, appraisal, and credit reports; research loan activity; maintain credit expiration ticklers; and support loan officers with customer calls and credit analysis.

Performs credit analytics, lender oversight, risk monitoring, portfolio analysis, and statistical modeling. Builds and uses data warehouses, predictive scoring environments, Tableau dashboards, and reporting tools. Collects, cleans, tests, and combines data from multiple systems, evaluates data quality, documents methodologies, and prepares analytical reports and memos for leadership and stakeholders.

Analyzes commercial real estate, commercial and industrial, and construction loan opportunities and existing relationships. Reviews financial statements, tax returns, cash flow, collateral, guarantors, and industry risk; prepares credit memorandums and recommendations; approves loans within authority; monitors portfolio performance, risk ratings, annual reviews, and early warning indicators; and partners with lending teams on credit decisions and documentation.

Supports underwriting and credit reviews for warehouse lines extended to independent mortgage banks. Analyzes financial statements, credit reports, collateral positions, loan-level reports, and borrower performance. Assists with financial spreading, credit memorandums, annual reviews, quarterly loan reviews, covenant monitoring, facility onboarding, and process improvements. Escalates exceptions and potential covenant violations while collaborating with relationship managers, operations teams, and senior credit officers.

Analyzes customer financial information and creditworthiness for credit approvals, limits, refunds, rebates, financing applications, and prepay requests. Maintains credit files, supports audits, reviews reports, assists with Oracle system projects, and provides guidance on credit policy. Collaborates with IT, accounting, treasury, legal, and credit teams while supporting quality control, testing, and customer service.

Analyzes the creditworthiness of new and existing SBA loans through financial statement, cash flow, collateral, risk rating, and trend analysis. Identifies policy exceptions and credit risks, prepares written loan recommendations and financial ratio spreads, supports annual loan reviews, and participates in Loan Committee meetings while ensuring compliance with SBA procedures and banking regulations.

Reviews borrower financial information, analyzes cash flow, credit risk, financial ratios, industry conditions, and complex loan structures. Prepares underwriting packages and credit memos for large-balance and complex commercial loans, supports loan officers and junior analysts, maintains portfolio documentation, assists with training, and ensures compliance with banking regulations and internal policies.

Evaluates customer credit risk, determines credit limits, reviews financial statements and credit reports, manages delinquent accounts, negotiates payment plans, resolves deductions and chargebacks, releases held orders, and supports collections. The role partners with sales, customer service, distribution, dealers, and management while maintaining cash-collection goals and acceptable past-due ratios.

Manages customer credit risk through financial statement analysis, credit line and payment-term decisions, accounts receivable monitoring, delinquency and bad-debt reduction, collections, dispute resolution, and security documentation. Partners with Sales, customers, suppliers, and internal departments on order-to-cash matters. Maintains credit platforms, reporting, policies, metrics, and process improvements, including AI solution implementation.

Assists the Credit Analysis department by preparing financial statement spreads and loan memoranda, analyzing the creditworthiness of current and prospective borrowers, and completing detailed financial analyses. Works with loan officers, handles confidential information, follows bank policies and procedures, and completes customer privacy training. The role is designed for a finance or accounting student seeking practical banking and credit analysis experience.

Evaluates and underwrites commercial, construction, and commercial real estate loan requests. Analyzes financial statements, tax returns, cash flow, collateral, repayment capacity, and credit risk; prepares credit memoranda and assigns risk ratings. Partners with commercial lending teams on loan structures, reviews portfolios for warning signs, conducts credit file reviews, ensures regulatory compliance, and supports junior analysts.

Supports commercial credit analysis through financial spreading, borrower and guarantor analysis, credit memo preparation, covenant monitoring, and verification of financial information. The intern participates in training, cross-functional banking activities, and a department project while gaining exposure to loan lifecycles, credit systems, financial statements, industries, and loan types.

Supports commercial credit teams by performing fundamental credit analysis, preparing loan presentation packets, spreading and analyzing borrower financial information, monitoring loan covenant compliance, verifying data in credit systems, and completing department projects. Participates in educational workshops, cross-functional banking activities, meetings, and training while gaining exposure to financial statements, industries, loan types, and banking operations.