Commercial Credit Analyst Jobs
Commercial Credit Analyst jobs are open across banking, credit unions, commercial finance, and insurance, from entry-level to senior and VP, with specializations in middle-market lending, real estate credit, and portfolio risk management. See the openings below and apply to the ones that match your experience.
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Showing 5 of 215+ Commercial Credit Analyst jobs
Job Description:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.
We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Description:
This job is responsible for supporting Credit Officers on a daily basis in the underwriting, monitoring, and management of their portfolios. Key responsibilities include managing end-to-end processes involving credit underwriting, ongoing monitoring, and portfolio management of financing, treasury management, and traded products transactions. Job expectations include acting as a primary liaison with the credit teams, operations, and other business partners.
Responsibilities:
Coordinates pre- and post-closing activities which may include due diligence activities, creation of approval documents, and interaction with operations
Monitors requirements by creating and clearing monitoring ticklers and sourcing required financial statements and other documents per the terms of the credit agreement or other documentation
Identifies and resolves data quality issues
Identifies opportunities to improve operational efficiency
Understands policy and procedures and ensures compliance
Required Qualifications:
Credit Guidelines and lending procedures
Underwriting systems
Credit documentation verification
Commercial Lending and Commercial products
Desired Qualifications:
Time management
Organization
Portfolio monitoring
Skills:
Attention to Detail
Data Collection and Entry
Record Keeping
Oral Communications
Written Communications
Collaboration
Customer and Client Focus
Planning
Prioritization
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
**Role can be filled as a level II or III at manager's discretion
Shift:
1st shift (United States of America)Hours Per Week:
40Job Description:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.
We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Description:
This job is responsible for supporting Credit Officers on a daily basis in the underwriting, monitoring, and management of their portfolios. Key responsibilities include managing end-to-end processes involving credit underwriting, ongoing monitoring, and portfolio management of financing, treasury management, and traded products transactions. Job expectations include acting as a primary liaison with the credit teams, operations, and other business partners.
Responsibilities:
Coordinates pre- and post-closing activities which may include due diligence activities, creation of approval documents, and interaction with operations
Monitors requirements by creating and clearing monitoring ticklers and sourcing required financial statements and other documents per the terms of the credit agreement or other documentation
Identifies and resolves data quality issues
Identifies opportunities to improve operational efficiency
Understands policy and procedures and ensures compliance
Required Qualifications:
Credit Guidelines and lending procedures
Underwriting systems
Credit documentation verification
Commercial Lending and Commercial products
Desired Qualifications:
Time management
Organization
Portfolio monitoring
Skills:
Attention to Detail
Data Collection and Entry
Record Keeping
Oral Communications
Written Communications
Collaboration
Customer and Client Focus
Planning
Prioritization
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
**Role can be filled as a level II or III at manager's discretion
Shift:
1st shift (United States of America)Hours Per Week:
40See All 215+ Commercial Credit Analyst Jobs
Find roles that match your experience and apply in just a few clicks.
Find JobsCommercial Credit Analyst Job Market
Who's Hiring
- Western Alliance Bank17
- M&T Bank14
- Park National Bank8
- JPMorganChase6
- Libertas Funding6
Top Industries Hiring
- Banking & Financial Services
What Employers Look For
The qualifications that appear most often in commercial credit analyst jobs.
- Bachelor's degree in finance, accounting, economics, or a related business field
- Experience spreading financial statements and calculating key credit ratios
- Proficiency in financial modeling using Excel or specialized credit software
- Familiarity with loan origination systems and credit underwriting platforms
- Strong written communication skills for drafting credit memos and presentations
- CFA, CPA, or Credit Risk Certification (CRC) preferred for senior-level roles
Tips for Your Commercial Credit Analyst Job Search
Quantify credit decisions on your resume
Hiring managers want to see the size and complexity of deals you've analyzed. Include dollar amounts for credit facilities reviewed, portfolio sizes managed, and default rates reduced. Vague descriptions of 'analyzing creditworthiness' won't separate you from other applicants.
Match your resume to loan types
Commercial credit roles differ sharply by asset class. A C&I lending role requires different emphasis than CRE or SBA lending. Tailor your resume to highlight the specific loan structures, covenants, and collateral types the job posting names, not a generic credit skill set.
Apply early to roles that fit
Migrate Mate lists commercial credit analyst openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target postings by institution size
Community banks and regional lenders often hire analysts who handle the full credit file from spreading financials to writing the memo. Large banks more often want specialists. Knowing which environment suits your experience helps you apply to roles where you'll actually compete well.
Prepare a spread and memo for interviews
Many commercial credit interviews include a live or take-home case where you spread three years of financials and write a credit recommendation. Practice spreading a private company's tax returns or CPA-prepared statements and structuring a one-page memo with a clear approve-or-decline position.
Negotiate by citing credit complexity
When discussing compensation, anchor your ask to the complexity of credits you've underwritten, not just years of experience. Analysts who have underwritten leveraged deals, construction loans, or multi-entity borrowers can credibly justify higher offers than tenure alone would suggest.
Commercial Credit Analyst Jobs: Frequently Asked Questions
Which companies are hiring the most commercial credit analysts?
Western Alliance Bank, M&T Bank, and Park National Bank are hiring the most commercial credit analysts right now, with openings concentrated in Texas, Florida, and New York, based on current listings on Migrate Mate as of November 2026. Demand is strongest at regional and national banks expanding their middle-market and commercial real estate lending portfolios.
How many commercial credit analyst jobs are remote?
About 76% of commercial credit analyst openings are fully remote or hybrid as of November 2026, reflecting a shift among larger banks and specialty finance companies toward flexible arrangements. Portfolio monitoring and spreading roles tend to offer more remote flexibility than origination-focused analyst positions, which often require in-person client or relationship manager collaboration.
How do you become a commercial credit analyst?
Start with a bachelor's degree in finance, accounting, or economics, then build foundational skills in financial statement analysis and accounting. Many analysts enter through credit training programs at banks or start in roles like teller, loan processor, or junior underwriter. Earning a CFA credential or completing a formal credit training curriculum accelerates advancement into senior analyst and credit officer roles.
Can you get hired as a commercial credit analyst without direct experience?
Yes, entry-level commercial credit analyst roles exist specifically for candidates without prior lending experience, particularly at banks with formal credit training programs. A degree in finance or accounting, demonstrated ability to read financial statements, and internship experience in banking or corporate finance are typically enough to qualify. Smaller community banks are often more willing to train candidates from scratch than large institutions.
What does the commercial credit analyst interview process look like?
Most processes include a phone screen with HR, a technical interview focused on financial statement analysis and credit ratios, and a case study where you spread financials and write a credit memo or present a recommendation. Senior roles often add a panel interview with credit officers or relationship managers. Expect questions about how you'd structure covenants, assess repayment capacity, and handle a deteriorating borrower.
Where can I find and apply to commercial credit analyst jobs?
You can find and apply to commercial credit analyst jobs on Migrate Mate, which lists current openings from across the United States. Search for roles that match your experience level and specialization, then apply directly to each listing that fits.
See All 215+ Commercial Credit Analyst Jobs
Find roles that match your experience and apply in just a few clicks.
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