Associate Credit Analyst Jobs
Associate Credit Analyst jobs are open across banking, commercial lending, fintech, and insurance, from entry-level and new-grad roles to senior analyst, covering specializations in commercial credit, consumer underwriting, and portfolio risk. Find a role that fits below and apply directly.
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Director, Global Infrastructure - Complex Credit Group
At Fitch, we have an open culture where employees are able to exchange ideas and perspectives, throughout the organization, irrespective of their seniority. Your voice will be heard allowing you to have a real impact. We embrace diversity and appreciate authenticity encouraging an environment where employees can be their true selves. Our inclusive and progressive approach helps us to keep a balanced perspective. Fitch is also committed to supporting its employees by advancing conversations around diversity, equity and inclusion. Fitch’s Employee Resource Groups (ERGs) have been established by employees who have joined together as a workplace community based on similar backgrounds or life experiences. Fitch’s ERGs are available to connect employees with others within the organization to offer professional and personal support.
With our expertise, we are not only creating data and information, but also producing timely insights from every angle to influence decision making in this ever changing and highly competitive market. We have a relentless hunger to innovate and unlock the power of human insights and to drive value for our customers. There has never been a better time to make an impact and we invite you to join us on this journey.
The primary responsibilities of the successful candidate will be to lead the analysis of infrastructure and project finance transactions and assist in efforts to enhance rating approaches and criteria development for complex and non-standard credits, in particular relating to emerging infrastructure sectors such as digital infrastructure and alternative/core+ infrastructure, in addition to complex transportation and energy sectors in the US and Canada and across the EMEA region.
What We Offer:
This role will have the opportunity to take a lead role analyzing cutting-edge infrastructure transactions and be part of a growing credit team in the ever-evolving infrastructure space.
An exciting time to work in the sector as significant investments in the infrastructure space are resulting in a diversity of new and interesting projects to work on.
The position has high global visibility and solid growth potential. The role will have exposure to transactions in both North America and EMEA and the successful candidate will interact with senior analytical members across the different regions.
We’ll Count on You To:
Work on ratings analysis and research on new and existing complex transactions. Evaluate innovative credit structures and participate in global rating criteria development.
Identify and research relevant trends, assessing their credit impact and highlighting these trends in updated industry and market focused reports/presentations.
Gather and analyze quantitative and qualitative data and legal documents for the purpose of producing ratings, publishing credit reports, and contributing to special research reports.
Interact with other Fitch analytical groups (i.e. Corporates and Structured) to help develop rating approaches and criteria to bespoke projects
In conjunction with senior members of the team, the candidate will meet with senior management of entities and/or project sponsors, investment bankers and financial advisors, to produce these ratings and reports for general publication
Maintain a strong external network and profile that continues to build Fitch's reputation for analytical excellence by representing Fitch in a compelling and persuasive manner at industry conferences, webinars, issuer meetings/site visits and through media communication.
Develop and grow strong relationships with the other analytical groups at Fitch to ensure analytical consistency and efficient execution of transactions that involve multiple groups.
What You Need to Have:
- Bachelor's degree at minimum, advanced degree a plus;
- 7+ years relevant experience in a capital markets and/or credit analysis role;
- A healthy sense of intellectual curiosity and a life-long learning mindset
- A demonstrated willingness and ability to attack and explain topics of analytical complexity;
- Strong analytical, quantitative, and organizational skills;
- Excellent written and verbal communication skills;
- Excellent modelling skills and thorough familiarity with spreadsheet-based financial models.
- Ability to read and fully comprehend complex structures and to ask probing questions to issuers and their advisers.
- Ability to shift fluidly between multiple projects as priorities change;
- Ability to excel in a team-oriented environment.
What Would Make You Stand Out:
Previous experience covering the infrastructure or project finance sectors and focusing on credit whether on the buy-side, sell-side, a credit department at a bank, or another rating agency.
The ability to effectively and constructively challenge existing mindsets to assist the group in formulating innovative rating approaches on complex credits, sectors or topics.
Why Fitch?
At Fitch Group, the combined power of our global perspectives is what differentiates us. Our global network of colleagues comes together to accomplish things greater than they ever could alone.
Every team member is essential to our business and each perspective is critical to our success. We embrace a diverse culture that encourages a free exchange of ideas, guaranteeing your voice will be heard and your work will have an impact, regardless of seniority.
We are building incredible things at Fitch and we invite you to join us on our journey.
Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch’s credibility and reputation, our employees must take every precaution to avoid conflicts of interests or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work.
Fitch Group is proud to be an Equal Opportunity and Affirmative Action Employer. We evaluate qualified applicants without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, disability, protected veteran status, and other statuses protected by law.
Fitch Group is a global leader in financial information services with operations in more than 30 countries. Wholly owned by the Hearst Corporation, we are comprised of three main businesses: Fitch Ratings | Fitch Solutions | Fitch Learning. For more information please visit our websites: www.fitchratings.com | www.fitchsolutions.com | www.fitchlearning.com Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch’s credibility and reputation, our employees must take every precaution to avoid conflicts of interests or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work. Fitch is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, sexual orientation, gender expression, gender identity or any other characteristic protected by law.
For New York and Chicago roles only: Expected base pay rates for the role will be between $150,000 and $180,000. Actual salaries will be determined on an individualized basis and may vary based on factors including but not limited to education, training, experience, past performance, and other job-related factors. Base pay is one part of Fitch’s total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, long-term incentives, and other benefits sponsored by Fitch.
#LI-RA1 #LI-HYBRID
Director, Global Infrastructure - Complex Credit Group
At Fitch, we have an open culture where employees are able to exchange ideas and perspectives, throughout the organization, irrespective of their seniority. Your voice will be heard allowing you to have a real impact. We embrace diversity and appreciate authenticity encouraging an environment where employees can be their true selves. Our inclusive and progressive approach helps us to keep a balanced perspective. Fitch is also committed to supporting its employees by advancing conversations around diversity, equity and inclusion. Fitch’s Employee Resource Groups (ERGs) have been established by employees who have joined together as a workplace community based on similar backgrounds or life experiences. Fitch’s ERGs are available to connect employees with others within the organization to offer professional and personal support.
With our expertise, we are not only creating data and information, but also producing timely insights from every angle to influence decision making in this ever changing and highly competitive market. We have a relentless hunger to innovate and unlock the power of human insights and to drive value for our customers. There has never been a better time to make an impact and we invite you to join us on this journey.
The primary responsibilities of the successful candidate will be to lead the analysis of infrastructure and project finance transactions and assist in efforts to enhance rating approaches and criteria development for complex and non-standard credits, in particular relating to emerging infrastructure sectors such as digital infrastructure and alternative/core+ infrastructure, in addition to complex transportation and energy sectors in the US and Canada and across the EMEA region.
What We Offer:
This role will have the opportunity to take a lead role analyzing cutting-edge infrastructure transactions and be part of a growing credit team in the ever-evolving infrastructure space.
An exciting time to work in the sector as significant investments in the infrastructure space are resulting in a diversity of new and interesting projects to work on.
The position has high global visibility and solid growth potential. The role will have exposure to transactions in both North America and EMEA and the successful candidate will interact with senior analytical members across the different regions.
We’ll Count on You To:
Work on ratings analysis and research on new and existing complex transactions. Evaluate innovative credit structures and participate in global rating criteria development.
Identify and research relevant trends, assessing their credit impact and highlighting these trends in updated industry and market focused reports/presentations.
Gather and analyze quantitative and qualitative data and legal documents for the purpose of producing ratings, publishing credit reports, and contributing to special research reports.
Interact with other Fitch analytical groups (i.e. Corporates and Structured) to help develop rating approaches and criteria to bespoke projects
In conjunction with senior members of the team, the candidate will meet with senior management of entities and/or project sponsors, investment bankers and financial advisors, to produce these ratings and reports for general publication
Maintain a strong external network and profile that continues to build Fitch's reputation for analytical excellence by representing Fitch in a compelling and persuasive manner at industry conferences, webinars, issuer meetings/site visits and through media communication.
Develop and grow strong relationships with the other analytical groups at Fitch to ensure analytical consistency and efficient execution of transactions that involve multiple groups.
What You Need to Have:
- Bachelor's degree at minimum, advanced degree a plus;
- 7+ years relevant experience in a capital markets and/or credit analysis role;
- A healthy sense of intellectual curiosity and a life-long learning mindset
- A demonstrated willingness and ability to attack and explain topics of analytical complexity;
- Strong analytical, quantitative, and organizational skills;
- Excellent written and verbal communication skills;
- Excellent modelling skills and thorough familiarity with spreadsheet-based financial models.
- Ability to read and fully comprehend complex structures and to ask probing questions to issuers and their advisers.
- Ability to shift fluidly between multiple projects as priorities change;
- Ability to excel in a team-oriented environment.
What Would Make You Stand Out:
Previous experience covering the infrastructure or project finance sectors and focusing on credit whether on the buy-side, sell-side, a credit department at a bank, or another rating agency.
The ability to effectively and constructively challenge existing mindsets to assist the group in formulating innovative rating approaches on complex credits, sectors or topics.
Why Fitch?
At Fitch Group, the combined power of our global perspectives is what differentiates us. Our global network of colleagues comes together to accomplish things greater than they ever could alone.
Every team member is essential to our business and each perspective is critical to our success. We embrace a diverse culture that encourages a free exchange of ideas, guaranteeing your voice will be heard and your work will have an impact, regardless of seniority.
We are building incredible things at Fitch and we invite you to join us on our journey.
Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch’s credibility and reputation, our employees must take every precaution to avoid conflicts of interests or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work.
Fitch Group is proud to be an Equal Opportunity and Affirmative Action Employer. We evaluate qualified applicants without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, disability, protected veteran status, and other statuses protected by law.
Fitch Group is a global leader in financial information services with operations in more than 30 countries. Wholly owned by the Hearst Corporation, we are comprised of three main businesses: Fitch Ratings | Fitch Solutions | Fitch Learning. For more information please visit our websites: www.fitchratings.com | www.fitchsolutions.com | www.fitchlearning.com Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch’s credibility and reputation, our employees must take every precaution to avoid conflicts of interests or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work. Fitch is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, sexual orientation, gender expression, gender identity or any other characteristic protected by law.
For New York and Chicago roles only: Expected base pay rates for the role will be between $150,000 and $180,000. Actual salaries will be determined on an individualized basis and may vary based on factors including but not limited to education, training, experience, past performance, and other job-related factors. Base pay is one part of Fitch’s total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, long-term incentives, and other benefits sponsored by Fitch.
#LI-RA1 #LI-HYBRID
Associate Credit Analyst Jobs by Experience Level
See All 676+ Associate Credit Analyst Jobs
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Find Associate Credit Analyst JobsAssociate Credit Analyst Job Market
Who's Hiring
- Western Alliance Bank21
- Fitch16
- JPMorganChase11
- M&T Bank9
- Fifth Third Bank9
Top Industries Hiring
- Banking & Financial Services34
- Investment & Asset Management5
- Fintech4
- News & Publishing4
- Technology & Software2
What Employers Look For
The qualifications that appear most often in associate credit analyst jobs.
- Bachelor's degree in finance, accounting, economics, or a related field
- Proficiency in financial statement analysis and credit underwriting
- Experience with Excel-based financial modeling and loan spreading
- Familiarity with credit risk assessment frameworks and loan covenants
- Strong written communication skills for preparing credit memos and reports
- CFA candidacy or completion of credit-specific coursework is a plus
Tips for Your Associate Credit Analyst Job Search
Tailor your resume to credit models
Hiring managers for associate credit analyst roles scan for specific tools and methodologies. Call out the financial modeling techniques you've used, whether that's DCF analysis, credit scoring models, or covenant tracking, rather than listing generic finance skills.
Highlight relevant certifications upfront
If you've completed the CFA Level 1 exam, a credit risk certificate, or coursework in commercial lending, place those credentials near the top of your resume. Many associate credit analyst postings filter on these before reviewing work history.
Target postings by loan type and sector
Associate credit analyst openings vary significantly by asset class. A commercial real estate lender wants different experience than a middle-market corporate bank. Filter your search by the loan type or sector you know best to avoid wasting applications on poor fits.
Apply early to roles that fit
Migrate Mate lists associate credit analyst openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare a sample credit memo for interviews
Many associate credit analyst interviews include a written or verbal case study where you analyze a borrower and recommend a credit decision. Having a clean, one-page sample memo ready that walks through your analytical framework gives you a concrete artifact to reference.
Negotiate on title and portfolio exposure
When evaluating an offer, ask specifically which loan types or borrower segments you'll cover in your first year. Broader portfolio exposure early in your career compounds faster than a marginal salary difference, so push for scope in your negotiation.
Associate Credit Analyst Jobs: Frequently Asked Questions
Which companies are hiring the most associate credit analysts?
The companies hiring the most associate credit analysts right now include Western Alliance Bank, Fitch, and JPMorganChase, with the largest share of openings in Texas, New York, and California, based on current listings on Migrate Mate as of November 2026. Regional banks and commercial lenders tend to post the highest volume of associate-level openings throughout the year.
How many associate credit analyst jobs are remote?
About 68% of associate credit analyst openings are fully remote or hybrid as of November 2026, reflecting the hands-on nature of credit review and client interaction in most lending environments. Portfolio monitoring and financial spreading roles are the sub-specializations most likely to offer flexible or remote arrangements.
How do you become an associate credit analyst?
Start with a bachelor's degree in finance, accounting, or economics, then build foundational skills in financial statement analysis and credit underwriting through coursework or internships. Pursuing CFA Level 1 or a credit-specific certification strengthens your profile. Apply to entry-level credit analyst or credit risk roles at regional banks, credit unions, or commercial lenders to gain direct underwriting exposure.
Can you get hired as an associate credit analyst with little experience?
Yes, many employers hire candidates with limited direct experience if they demonstrate strong financial analysis fundamentals. Internships in banking, lending, or corporate finance carry significant weight. Building Excel-based credit models as personal projects, completing a credit analysis course, or earning a relevant certification can substitute for professional experience when applying to entry-level postings.
What does the associate credit analyst interview process look like?
The process typically involves an initial recruiter screen, followed by a technical interview focused on financial statement analysis, credit ratios, and loan structuring concepts. A case study or take-home credit memo exercise is common, where you analyze a hypothetical borrower and present a credit recommendation. Final rounds often include a conversation with a senior credit officer assessing judgment and communication.
Where can I find and apply to associate credit analyst jobs?
You can find and apply to associate credit analyst jobs on Migrate Mate, which lists current openings from across the United States. Search the listings to find roles that match your background, sector preference, and location, then apply directly to each posting that fits.
See All 676+ Associate Credit Analyst Jobs
Find roles that match your experience and apply in just a few clicks.
Find Associate Credit Analyst Jobs