Credit Analyst Jobs
Credit Analyst jobs are open across banking, commercial lending, fintech, insurance, and corporate finance, from entry-level analyst to senior and lead, with specializations in commercial credit, consumer lending, and structured finance. Find a role that fits from the openings below and apply directly.
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Assists Relationship Managers (RM) in the credit analysis and evaluation process of existing and potential loan customers. Provides analytical support to the RMs under the supervision of more senior team members. With direction as necessary, prepares written credit authorizations, spreads business financial statements, and prepares personal cash flow worksheets and reviews financial projections and automated spreadsheets for analyzing commercial borrowers and prospects.
Location: Spokane Financial Center, Tower West - 717 W Sprague Ave 10th Floor Spokane, WA 99201
Essential Functions:
- Assists RM in credit analysis, assessment of risk rating, problem loan reporting and other credit administration requirements.
- Reviews and evaluates business financial reports, prepares written credit authorizations pursuant to Bank policy and ensures proper monitoring and documentation are reviewed.
- Prepares financial projections and customized automated spreadsheets for analyzing commercial borrowers and prospects.
- Develops financial models based upon customized financial formats.
- Prepares financial statement presentations for analyzing business borrowers.
- Performs compliance and risk management duties as required or assigned.
- Regular, reliable attendance is required.
- Assists with other department duties and projects, as requested by team lead.
Requirements:
- 3+ years of credit analysis and underwriting experience preferred.
- College-level course work, preferably in Accounting, Finance, Business or related field.
- Strong accounting aptitude.
- Demonstrated analytical/problem solving ability.
- Experience with computer assisted financial analysis and PC-based financial models; knowledge of spreadsheet applications (Microsoft Excel, etc).
- Strong knowledge of Bank loan policies and general commercial documentation requirements.
- Ability to prioritize assignments and handle multiple priorities while maintaining a high level of service to both internal and external clients.
- Excellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people
- Outstanding verbal and written communication skills, including grammar, correspondence abilities, etc.
- Organizational and analytical skills, strategic thinking and ability to work collaboratively or independently.
- Proficient PC and technical skills to navigate software, including the Microsoft Office Suite of products, word processing, spreadsheets, database, desktop information management, Internet, and related applications.
- Demonstrated self-motivation and initiative; ability to work well both independently and with others.
Compensation:
Credit Analyst II: $59,209 - $88,814
Credit Analyst III: $67,815 - $101,781
The compensation range represents the low and high end of the base compensation range for this position located in Spokane, WA. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. This position is eligible to participate in an applicable annual bonus plan.
What Our Culture Can Offer You:
Our benefit philosophy is to provide you with a comprehensive package to secure your overall wellness and help you become and remain a fulfilled and productive employee. Our benefits include Health, Financial, Retirement and Work/Life Benefits. We are proud to share an overview of our benefits HERE (https://www.watrust.com/assets/files/qFqeTTn6) as part of your total compensation.
Washington Trust Bank celebrates diversity in the workplace and actively recruits talent to help reflect the unique communities where we live and work. We are proud to be an equal opportunity employer and prohibit discrimination or harassment based on race, religion, sex, gender identity, sexual orientation, national origin, age, pregnancy, disability, genetic information and any other protected characteristics outline by state, federal and local laws. We believe strength comes from the diverse backgrounds and experiences of our team, and we are dedicated to fostering a supportive and inclusive work environment.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.
Assists Relationship Managers (RM) in the credit analysis and evaluation process of existing and potential loan customers. Provides analytical support to the RMs under the supervision of more senior team members. With direction as necessary, prepares written credit authorizations, spreads business financial statements, and prepares personal cash flow worksheets and reviews financial projections and automated spreadsheets for analyzing commercial borrowers and prospects.
Location: Spokane Financial Center, Tower West - 717 W Sprague Ave 10th Floor Spokane, WA 99201
Essential Functions:
- Assists RM in credit analysis, assessment of risk rating, problem loan reporting and other credit administration requirements.
- Reviews and evaluates business financial reports, prepares written credit authorizations pursuant to Bank policy and ensures proper monitoring and documentation are reviewed.
- Prepares financial projections and customized automated spreadsheets for analyzing commercial borrowers and prospects.
- Develops financial models based upon customized financial formats.
- Prepares financial statement presentations for analyzing business borrowers.
- Performs compliance and risk management duties as required or assigned.
- Regular, reliable attendance is required.
- Assists with other department duties and projects, as requested by team lead.
Requirements:
- 3+ years of credit analysis and underwriting experience preferred.
- College-level course work, preferably in Accounting, Finance, Business or related field.
- Strong accounting aptitude.
- Demonstrated analytical/problem solving ability.
- Experience with computer assisted financial analysis and PC-based financial models; knowledge of spreadsheet applications (Microsoft Excel, etc).
- Strong knowledge of Bank loan policies and general commercial documentation requirements.
- Ability to prioritize assignments and handle multiple priorities while maintaining a high level of service to both internal and external clients.
- Excellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people
- Outstanding verbal and written communication skills, including grammar, correspondence abilities, etc.
- Organizational and analytical skills, strategic thinking and ability to work collaboratively or independently.
- Proficient PC and technical skills to navigate software, including the Microsoft Office Suite of products, word processing, spreadsheets, database, desktop information management, Internet, and related applications.
- Demonstrated self-motivation and initiative; ability to work well both independently and with others.
Compensation:
Credit Analyst II: $59,209 - $88,814
Credit Analyst III: $67,815 - $101,781
The compensation range represents the low and high end of the base compensation range for this position located in Spokane, WA. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. This position is eligible to participate in an applicable annual bonus plan.
What Our Culture Can Offer You:
Our benefit philosophy is to provide you with a comprehensive package to secure your overall wellness and help you become and remain a fulfilled and productive employee. Our benefits include Health, Financial, Retirement and Work/Life Benefits. We are proud to share an overview of our benefits HERE (https://www.watrust.com/assets/files/qFqeTTn6) as part of your total compensation.
Washington Trust Bank celebrates diversity in the workplace and actively recruits talent to help reflect the unique communities where we live and work. We are proud to be an equal opportunity employer and prohibit discrimination or harassment based on race, religion, sex, gender identity, sexual orientation, national origin, age, pregnancy, disability, genetic information and any other protected characteristics outline by state, federal and local laws. We believe strength comes from the diverse backgrounds and experiences of our team, and we are dedicated to fostering a supportive and inclusive work environment.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.
Credit Analyst Jobs by Experience Level
Top Cities Hiring Credit Analysts
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Find Credit Analyst JobsCredit Analyst Job Market
Who's Hiring
- CoBank14
- Fifth Third Bank14
- BMO Financial13
- Stellantis11
- Citi10
Top Industries Hiring
- Banking & Financial Services45
- Investment & Asset Management15
- Technology & Software8
- Insurance3
- News & Publishing3
What Employers Look For
The qualifications that appear most often in 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 financial modeling, including ratio and cash flow analysis
- Familiarity with credit risk software such as Moody's Analytics or S&P Capital IQ
- Knowledge of lending regulations, credit policy, and risk rating frameworks
- CFA, CPA, or CRCM certification preferred for mid-level and senior roles
Tips for Your Credit Analyst Job Search
Quantify credit decisions on your resume
List the dollar value of credit facilities you analyzed, the number of accounts you managed, or the portfolio risk metrics you improved. Credit analyst resumes that include concrete figures stand out far more than ones that describe duties in general terms.
Highlight your financial modeling tools
Call out the specific tools you use, whether Excel, Moody's Analytics, Salesforce Financial Services Cloud, or proprietary spreading software. Hiring managers scan for these because proficiency gaps require retraining, and candidates who list them skip that concern entirely.
Apply early to roles that fit
Migrate Mate lists credit analyst openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Filter openings by sector before applying
Commercial bank credit analysis and consumer lending require different instincts and metrics. Target your search by sector so your cover letter speaks directly to the portfolio type, whether C&I lending, real estate, or retail credit risk.
Prepare a credit memo walkthrough for interviews
Many credit analyst interviews ask you to walk through a memo or case study you've written. Have one polished, anonymized example ready, and practice explaining your underwriting rationale, the risks you flagged, and the recommendation you made.
Negotiate using your CFA or CPA progress
If you're actively pursuing a CFA, CPA, or CRCM designation, disclose your exam progress during offer negotiations. Employers factor credential timelines into compensation banding, and candidates mid-credential often land higher starting titles or study support as part of their offer.
Credit Analyst Jobs: Frequently Asked Questions
Which companies are hiring the most credit analysts?
The companies hiring the most credit analysts right now include CoBank, Fifth Third Bank, and BMO Financial, with the largest share of openings in Texas, New York, and California, based on current listings on Migrate Mate as of September 2026. Demand is especially concentrated in commercial banking and corporate finance divisions.
How many credit analyst jobs are remote?
About 63% of credit analyst openings are fully remote or hybrid as of September 2026, though availability varies significantly by employer type and seniority. Portfolio monitoring, consumer lending analysis, and corporate credit roles tend to offer more remote flexibility than roles requiring regular client or branch interaction.
How do you become a credit analyst?
Start with a bachelor's degree in finance, accounting, or economics, then build spreadsheet and financial modeling skills through coursework or self-study. Entry-level roles in commercial banking, consumer lending, or corporate finance are the most common starting points. From there, pursuing a CFA or CPA credential accelerates advancement into senior analyst and credit officer positions.
Can you get hired as a credit analyst with little experience?
Yes, entry-level credit analyst roles exist specifically for candidates with limited work history, particularly at regional banks, credit unions, and financial services firms. Employers at this level prioritize your ability to read financial statements and think analytically about risk. Internship experience in lending, accounting, or corporate finance, combined with strong Excel skills, makes your application competitive even without years on the job.
What does the credit analyst interview process look like?
Most credit analyst interviews run two to three rounds. The first is typically a recruiter or HR screen focused on your background and motivations. The second involves a hiring manager or credit team lead walking through your financial analysis experience, often with a case study or credit memo exercise. Final rounds may include a panel with senior credit officers who assess your underwriting judgment and communication of risk.
Where can I find and apply to credit analyst jobs?
You can find and apply to credit analyst jobs on Migrate Mate, which lists current openings from employers across the United States. Search the listings to find roles that match your experience level and specialization, then apply directly to each one that fits.
See All 657+ Credit Analyst Jobs
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