Top Credit Analyst Jobs

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.

Conduct fundamental credit research on public fixed-income investments, including financial modeling, comparable-company analysis, monitoring holdings and industry developments, and developing investment recommendations. The analyst will prepare credit presentations, contribute to portfolio manager discussions, use internal research systems, support ad hoc projects, and participate in team training. The role requires strong accounting, financial statement analysis, communication, and investment judgment skills.

Provides credit administration, portfolio monitoring, compliance verification, financial statement analysis, risk-rating reviews, and reporting support. Reviews loan documentation, tracks covenant and borrowing-base compliance, maintains portfolio data, analyzes financial statements in Moody’s CreditLens and Excel, and supports credit projects, training, and mentorship.

Evaluates financial condition and SBA eligibility for commercial loan applicants, prepares credit presentations, analyzes cash flow and collateral, assigns risk ratings, and supports underwriting, compliance, portfolio reviews, and loan closing. Partners with lenders, portfolio managers, credit officers, and operations teams; conducts property inspections, mentors analysts, prepares recommendations, and maintains SBA documentation and guaranty integrity.

Analyzes commercial real estate and C&I credit requests through financial statement spreading, underwriting, cash-flow analysis, risk rating, collateral evaluation, covenant testing, and credit memo preparation. Supports loan renewals, annual reviews, modifications, and portfolio management while ensuring compliance with banking regulations and credit policies. Reviews guarantor finances, identifies credit risks, participates in lender calls, maintains underwriting data integrity, and assists with analyst training and process improvements.

Manage credit risk for Merchant Services Wholesale Credit portfolio through financial statement and cash-flow analysis, transaction and refund/chargeback assessment, risk rating and credit decisions, escalation of problem credits, stakeholder engagement, and continual monitoring and process improvement to protect the bank.

Analyzes customer financial statements, collateral, and business data to assess lending risk. Prepares credit studies, loan packages, sensitivity analyses, and credit department reports. Maintains financial records and banking systems, monitors loan disbursements for regulatory compliance, resolves client inquiries, and coordinates with internal teams and third parties including auditors and appraisers.

Evaluates and underwrites complex commercial and industrial lending requests by analyzing financial statements, credit risks, collateral, guarantors, covenants, and loan structures. Prepares credit presentations, supports approval committees, conducts annual reviews, and processes borrowing base certificates. Maintains lending records, supports risk-management initiatives, collaborates with bankers and clients, and mentors other credit analysts while ensuring compliance with bank policies and regulations.

Supports commercial bankers with credit underwriting, portfolio management, loan documentation, financial statement spreading, cash flow analysis, collateral evaluation, covenant monitoring, renewals, and customer service. The role independently manages a small commercial loan portfolio, prepares credit memoranda and projections, ensures regulatory and policy compliance, coordinates construction loan draws, and assists with customer and site interactions.

Manage high-value and high-risk B2B customer accounts, lead complex collections outreach, resolve disputes, negotiate payment outcomes, and partner with Sales and Billing to unblock payments. Support reporting, portfolio prioritization, process improvements, automation, documentation, and internal controls. Provide guidance and escalation support as a senior team resource while maintaining strong customer relationships and protecting company cash flow.

Analyzes corporate and commercial clients’ financial performance, creditworthiness, risk, covenant compliance, collateral, and transaction profitability. Supports underwriting, credit risk analysis, transaction negotiation, and closing. Builds financial forecasts, projection models, and enterprise valuations; reviews loan and derivative documentation; monitors portfolios; and writes credit approval memorandums summarizing analysis and recommendations.

Analyzes and underwrites global credit investment opportunities, including due diligence, financial modeling, valuation, risk assessment, investment memoranda, and Investment Committee presentations. Monitors portfolio-company performance, financial reporting, covenant compliance, valuations, and risk guidelines. Coordinates amendments, waivers, and related actions with portfolio companies, sponsors, advisers, and internal teams. Associate-level responsibilities include managing transaction workstreams and coaching junior team members.

Analyzes credit card portfolio risk, profitability, marketing efficiency, and financial performance. Partners with Credit, Marketing, and Finance teams to develop data-driven strategies, evaluate portfolio management approaches, forecast P&L impacts, optimize acquisition economics, and improve customer engagement. Extracts and analyzes data using SQL, SAS, Python, and related tools, then presents actionable recommendations to senior leaders.

Provides analytical support for underwriting commercial and commercial real estate loans. Responsibilities include interpreting financial statements, preparing credit approval documentation, monitoring covenants, updating loan records, researching industries, identifying borrower trends, and supporting Portfolio and Relationship Managers in managing commercial loan portfolios and client relationships.

Provides senior-level credit analysis and underwriting support for complex commercial lending relationships. Responsibilities include financial statement spreading, borrower and guarantor analysis, loan renewals and modifications, covenant monitoring, credit approval documentation, exposure calculations, industry research, portfolio monitoring, and participation in transaction structuring. Partners with relationship and portfolio managers, credit risk leaders, clients, and senior management while mentoring junior analysts and ensuring compliance with lending policies.

Leads credit risk data analysis, reporting, forecasting, data quality, and risk measurement across the bank. Synthesizes credit trends and emerging risks for management, the board, and regulators; standardizes data definitions; investigates data integrity issues; supports audits; and partners cross-functionally to improve processes and actionable business outcomes. Uses statistical, programming, data mining, and visualization tools to analyze credit risk, loan loss reserves, probability of default, and risk ratings.

Analyzes and underwrites commercial and industrial loan proposals, evaluates borrower financial statements, collateral, credit risks, trends, and policy exceptions, and prepares approval recommendations. Supports annual loan reviews, monitors borrower financial statement submissions, orders flood searches, and mentors junior credit analysts. Requires C&I credit experience, credit training, accounting and credit knowledge, familiarity with banking regulations, and understanding of loan structures. nCino experience is preferred.

Manages commercial credit and collections for assigned customers. Performs financial and credit analysis, recommends credit limits and payment terms, manages relationships with inventory finance companies, contacts delinquent customers, and escalates accounts to collections when appropriate. The role also supports cross-functional issue resolution and may contribute to credit policy development at the senior level.

Guide borrowers through GPU-backed financing from initial contact to funding. Manage diligence, gather documentation, support credit underwriting and financial modeling, prepare deal materials, coordinate internal and external stakeholders, maintain audit-ready records, report pipeline metrics, and improve origination workflows.

Performs financial statement analysis and credit underwriting for automotive dealership floorplan acquisitions, loan proposals, and credit line renewals or modifications. Assigns risk ratings, evaluates cash flow and coverage ratios, prepares credit committee proposals, ensures compliance, and recommends risk mitigation. The role also coordinates with dealerships and internal stakeholders to obtain information and supports accurate reporting in a hybrid work environment.

Analyzes complex financial information for commercial lending decisions, including tax returns, financial statements, cash flow, collateral, and credit reports. Prepares loan presentations for new, renewal, and complex requests; verifies lending limits, risk ratings, policies, and regulatory compliance. Collaborates with loan officers and leadership, presents findings, supports audits and stress testing, and contributes to process improvement projects.

Underwrites commercial credit requests, monitors existing loan portfolios, analyzes financial statements and risk factors, prepares financial models and credit assessments, recommends structures and risk ratings, ensures policy compliance, and presents findings to credit committees. Partners with relationship managers and supports ongoing portfolio risk management, covenant monitoring, problem loan management, and regulatory controls.

Analyzes credit and financial information to assess borrower and institution creditworthiness. Prepares credit summaries, recommendations, risk documents, and reports; monitors accounts, collateral covenants, market trends, and regulatory compliance. Supports loan approval decisions, fraud detection, quality assurance, credit policy updates, and communication of credit decisions to applicants and colleagues.

Analyzes auto finance portfolio performance, validates data, develops reports, applies credit risk techniques, and converts business issues into quantitative insights. The intern supports reporting efforts, documents models, manages projects, collaborates with internal stakeholders, summarizes findings, and presents actionable recommendations to management. The role requires strong analytical, quantitative, communication, presentation, and spreadsheet modeling skills in a hybrid environment.