Top Credit Analyst Jobs

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.

Conduct fundamental credit research on investment-grade corporate issuers, evaluating financial statements, capital structures, cash flow, leverage, liquidity, and downside scenarios. Assess relative value across securities and credit curves, monitor portfolio holdings and market developments, and provide actionable recommendations to portfolio managers. Partner with portfolio managers and traders on portfolio construction, trade execution, and risk management.

Credit Analyst Interns will evaluate loan requests and borrower financial information, analyze cash flow and risk, assign risk ratings, and prepare credit presentations, reports, forecasts, and lending recommendations. The role supports lenders through credit approval activities, maintains accurate client and account records, and participates in collaborative projects, departmental meetings, and presentations. Candidates must be analytical, organized, communicative, proficient in Microsoft Office, and able to manage confidential information and deadlines.

Conducts complex commercial credit investigations, analyzes financial statements and loan information, prepares credit memorandums, and supports lending decisions. Reviews commercial loan transactions, portfolio files, and return metrics while providing guidance to credit analysts and loan officers. Supervises and trains analysts, ensures compliance with lending policies and regulations, and performs detailed underwriting and financial analysis for new, renewed, and extended loans.

Evaluates commercial and personal loan applications by analyzing financial statements, tax returns, cash flow, collateral, credit reports, and industry data. Prepares credit memorandums, loan committee packages, recommendations, and portfolio reports. Monitors covenants, risk ratings, exceptions, and emerging credit concerns while ensuring compliance with lending policies and regulations. Collaborates with lenders and management, presents analyses, conducts site and collateral inspections, and supports complex commercial credit relationships.

Participate in a 24-month rotational credit analyst program supporting financial analysis, underwriting, portfolio monitoring, transaction support, reporting, and process improvement. Analyze company financials, industry trends, and risk indicators; assist with credit materials and portfolio reviews; and develop skills in credit assessment, deal structuring, and lending risk management. The role includes structured training, mentorship, networking, and exposure to BNY teams and business practices.

Underwrites and evaluates commercial real estate and commercial and industrial loan requests. Prepares financial analyses, cash flow models, collateral evaluations, credit reviews, loan presentations, and risk recommendations. Monitors loan portfolios and working capital draws, ensures compliance with bank policies, maintains Board reports, supports client meetings, and completes special projects. The role requires knowledge of finance, accounting, commercial lending, credit analysis, and applicable banking regulations.

Supports the Credit Portfolio Management team by monitoring portfolio positions, client guidelines, risk exposures, trades, rebalancing, account transitions, and cash flows. The role uses proprietary risk systems, assists with credit trade processing, responds to portfolio management requests, and helps ensure investment objectives are reflected across client portfolios.

Analyzes commercial credit opportunities, financial statements, cash flow, risk factors, and complex credit structures. Prepares credit memos, partners with lenders on deal structuring, monitors portfolio credits, and supports overall credit quality. Mentors junior analysts and contributes to credit standards and best practices.

Analyzes financial statements, cash flows, and borrower data to assess creditworthiness and support lending decisions. Prepares credit presentations, monitors loan portfolios and past-due accounts, conducts annual reviews, tracks borrower information, identifies irregularities, and supports lenders, Credit Administration, and loan committee projects. Requires strong financial analysis, communication, banking regulation knowledge, and proficiency with Microsoft Office.

Analyzes individual and business creditworthiness, financial statements, credit histories, and profitability to assess lending risk. Prepares loan applications and risk reports, recommends approvals or denials, sets repayment terms and interest rates, identifies delinquent accounts, verifies transactions, and resolves customer complaints. Requires strong communication, analytical skills, software proficiency, and a bachelor’s degree in a relevant field.

Analyzes commercial credit opportunities by reviewing financial statements, cash flow, underwriting details, and portfolio performance. Prepares credit memos with risk assessments and recommendations while supporting lenders with deal structuring and portfolio management. The role provides training, mentorship, and exposure to client relationships, business development, and cross-selling, with a progression path toward commercial lending and loan portfolio management.

Underwrite complex commercial, commercial real estate, and consumer credit requests; analyze financial statements, tax returns, cash flow, collateral, and repayment capacity; prepare credit approval memoranda; monitor covenants and emerging risks; recommend loan structures; maintain compliance and credit files; collaborate with lending and servicing teams; and mentor junior credit professionals.

Analyzes complex commercial, commercial real estate, and consumer credit requests; evaluates financial statements, cash flow, collateral, repayment capacity, and credit risk. Prepares credit memoranda and recommendations, recommends loan structures and covenants, monitors compliance, supports stress testing, researches clients, and mentors junior credit staff.

Supports credit risk management through asset quality, loan concentration, collateral, credit compliance, allowance for credit loss, and stress-testing reports. Analyzes portfolio trends, regulatory and operational risks, data exceptions, and credit risk metrics. Maintains modeling databases, prepares management and Board reports, ensures data accuracy, and implements reporting process improvements while supporting regulatory compliance.

Supports a private credit investment team across credit underwriting, pipeline and portfolio management, borrower and origination-partner coordination, investment-theme research, and investor-facing activities. The role covers collateral-backed loans, opportunistic credit, real estate, asset-backed lending, corporate credit, and special situations. Candidates need financial modeling, analytical, communication, teamwork, and credit-investing skills. The position is based in Boston with on-site work four days per week and is expected to begin in Q1 2027.

Analyzes borrower financial statements, credit data, collateral, projections, and repayment capacity to support lending decisions. Prepares credit reports, loan committee submissions, risk ratings, and problem-asset reports. Monitors existing loan relationships, supports portfolio quality reviews, assists loan officers, and ensures credit analysis complies with lending policies, banking regulations, and departmental service standards.

Own diligence and underwriting for institutional counterparties, recommend internal credit ratings and risk-based limits, monitor portfolio exposures, analyze asset volatility/liquidity for limit-setting, negotiate industry documentation, and collaborate with cross-functional teams to resolve complex client or product issues.

Supports commercial credit and risk governance through committee administration, reporting, policy lifecycle management, documentation, quality control, audit and regulatory readiness, and data analysis. Maintains governance records, dashboards, procedures, and reporting tools while contributing to workflow automation and AI-enabled solutions. Partners with Lending, Credit, Risk, Compliance, Legal, and Audit stakeholders to improve governance processes and operational resiliency.

Conduct independent fundamental credit research across municipal bonds, primarily investment-grade credits. Analyze issuers, financial statements, budgets, debt profiles, liquidity, liabilities, market conditions, and downside scenarios. Develop internal ratings, investment theses, recommendations, and relative value assessments to support security selection, portfolio construction, and risk management. Communicate actionable insights through written research, investment discussions, and portfolio reviews while collaborating with portfolio managers and asset management leaders.

Manages credit risk review systems, data practices, portfolio analytics, risk indicators, and regulatory reporting for commercial and consumer banking portfolios. Supports audits, examinations, Board reporting, risk-based review planning, risk-rating validation, and process improvements. Collaborates with credit, banking, and managed asset teams while ensuring compliance with regulatory guidance and internal policies.

Lead development and monitoring of credit risk strategies for consumer bank portfolios. Use advanced quantitative analysis and regulatory knowledge to design, implement, and report on credit strategies, mitigate operational and compliance risk, mentor analysts, and present insights to senior leadership to optimize profitable growth within risk appetite.

Leads complex credit analysis, underwriting, transaction structuring, and portfolio risk management for capital finance exposures. Evaluates borrower financials, collateral, leverage, liquidity, covenants, and enterprise value; prepares credit recommendations and loan committee presentations; structures asset-based and structured lending transactions; monitors portfolio performance and borrowing bases; identifies emerging risks; and develops mitigation plans for stressed credits.

Supports the Private Banking Credit Team with credit administration, portfolio monitoring, syndicated loan and participation administration, and credit risk analysis. Responsibilities include preparing Credit Committee minutes, maintaining review schedules and credit files, onboarding virtual data rooms, organizing borrower documentation, monitoring lending relationships, developing analytical tools, and assisting with portfolio management recommendations. Requires a bachelor’s degree or equivalent experience, financial statement analysis knowledge, strong organization, communication, and interpersonal skills.