Mid Level Credit Analyst Jobs
Mid level credit analyst jobs go to analysts ready to own credit evaluations end to end, drive underwriting decisions with limited oversight, and mentor junior team members through complex portfolios. Openings run across Banking & Financial Services, Investment & Asset Management, and Technology & Software, with 43% remote or hybrid availability, and employers like First Western Trust, Fitch Ratings, and Citi competing for analysts at this level now.
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Job Description
The Credit Analyst II is responsible for performing financial statement spreading, underwriting and credit analysis to support commercial lending and commercial loan portfolio management activities. The Credit Analyst II will be focused on completing credit memos representing new money requests to new and existing Borrowers. The Credit Analyst II will also support the Portfolio Management team by completing annual reviews, renewals, change memos and modifications.
Essential Functions
- Prepare timely, high quality credit analysis and recommendations that accurately and thoroughly evaluate the strengths and weaknesses associated with credit actions.
- Engage in the Opportunity Memo process, assessing the strengths and weaknesses of credits and finalizing Opportunity Memos for presentation. Actively participate on OM calls.
- Effectively analyze financial statements and related data, industry risk, loan structure and market conditions to assess the overall creditworthiness and repayment ability of borrowers.
- Utilize financial spreading software as well as other financial analysis tools to evaluate borrower’s cash flow and determine adequacy of the borrower’s primary and secondary repayment sources.
- Conduct underwriting, identify credit risks, analyze repayment capacity and prepare collateral coverage and present in a narrative format within credit memos or modifications to support requests for new money, renewals, annual reviews and modifications.
- Work within the guidance of the credit approval team to recommend appropriate credit structuring, documentation, and risk controls on credit requests.
- Assist in determining the appropriate level of underwriting and due diligence for the credit’s risk profile.
- Complete underwriting tasks within expected service level and turnaround times.
- Participate in business calls with commercial lending and credit administration teams.
- Maintain a working knowledge of macroeconomic issues in local markets and regional industries.
- Maintain data integrity with the underwriting platform to ensure accurate record of credit relationships.
- Responsible for all compliance and audit-related matters in area of responsibility.
- Remain current on all banking rules and regulations relating to Credit Administration, Commercial Lending and Appraisals.
- Identify policy exceptions for credit requests consistent with the Bank’s Commercial Credit Policy.
- Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses.
- Identify potential for credit losses and mitigate risk appropriately.
- Utilize risk rating models to accurately determine risk ratings for credit requests.
- Prioritize assignments with guidance from the Commercial Credit Managers.
- Evaluate the financial condition of guarantors through the effective analysis of personal financial statements and personal tax returns.
- Perform loan covenant testing calculations and update covenant compliance records.
- Complete education, as identified or assigned, provides expertise in loan underwriting, loan structuring, and overall professional development.
- Develop business writing and professional communication skills.
- Review loan documentation to confirm accuracy.
- Perform other related duties and/or projects as assigned.
- Serve, when requested, on special teams and projects.
- Provide educational training and support for new analysts.
- Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations.
- Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency.
- Work as part of a team.
- Work with on-site equipment.
Education And Experience
- Bachelor’s degree in business administration, management, accounting, finance or other related discipline.
- 3 - 5 years relevant commercial lending or credit administration experience, specifically related to CRE and C&I lending.
Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
Job Description
The Credit Analyst II is responsible for performing financial statement spreading, underwriting and credit analysis to support commercial lending and commercial loan portfolio management activities. The Credit Analyst II will be focused on completing credit memos representing new money requests to new and existing Borrowers. The Credit Analyst II will also support the Portfolio Management team by completing annual reviews, renewals, change memos and modifications.
Essential Functions
- Prepare timely, high quality credit analysis and recommendations that accurately and thoroughly evaluate the strengths and weaknesses associated with credit actions.
- Engage in the Opportunity Memo process, assessing the strengths and weaknesses of credits and finalizing Opportunity Memos for presentation. Actively participate on OM calls.
- Effectively analyze financial statements and related data, industry risk, loan structure and market conditions to assess the overall creditworthiness and repayment ability of borrowers.
- Utilize financial spreading software as well as other financial analysis tools to evaluate borrower’s cash flow and determine adequacy of the borrower’s primary and secondary repayment sources.
- Conduct underwriting, identify credit risks, analyze repayment capacity and prepare collateral coverage and present in a narrative format within credit memos or modifications to support requests for new money, renewals, annual reviews and modifications.
- Work within the guidance of the credit approval team to recommend appropriate credit structuring, documentation, and risk controls on credit requests.
- Assist in determining the appropriate level of underwriting and due diligence for the credit’s risk profile.
- Complete underwriting tasks within expected service level and turnaround times.
- Participate in business calls with commercial lending and credit administration teams.
- Maintain a working knowledge of macroeconomic issues in local markets and regional industries.
- Maintain data integrity with the underwriting platform to ensure accurate record of credit relationships.
- Responsible for all compliance and audit-related matters in area of responsibility.
- Remain current on all banking rules and regulations relating to Credit Administration, Commercial Lending and Appraisals.
- Identify policy exceptions for credit requests consistent with the Bank’s Commercial Credit Policy.
- Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses.
- Identify potential for credit losses and mitigate risk appropriately.
- Utilize risk rating models to accurately determine risk ratings for credit requests.
- Prioritize assignments with guidance from the Commercial Credit Managers.
- Evaluate the financial condition of guarantors through the effective analysis of personal financial statements and personal tax returns.
- Perform loan covenant testing calculations and update covenant compliance records.
- Complete education, as identified or assigned, provides expertise in loan underwriting, loan structuring, and overall professional development.
- Develop business writing and professional communication skills.
- Review loan documentation to confirm accuracy.
- Perform other related duties and/or projects as assigned.
- Serve, when requested, on special teams and projects.
- Provide educational training and support for new analysts.
- Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations.
- Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency.
- Work as part of a team.
- Work with on-site equipment.
Education And Experience
- Bachelor’s degree in business administration, management, accounting, finance or other related discipline.
- 3 - 5 years relevant commercial lending or credit administration experience, specifically related to CRE and C&I lending.
Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
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Who's Hiring
Top Industries Hiring
- Banking & Financial Services27
- Investment & Asset Management16
- Technology & Software8
- Construction & Real Estate3
- Fintech2
Mid Level Credit Analyst Jobs: Frequently Asked Questions
How do I get a mid level credit analyst job?
Position yourself around ownership and impact: highlight deals or portfolios you managed independently, credit decisions you led, and any process improvements you drove. Tailor your resume to show depth in financial modeling, risk assessment, or a specific credit product like commercial loans or structured finance. Employers at this level want analysts who can operate with minimal supervision, so concrete examples of autonomous work carry significant weight in applications.
Which companies hire mid level credit analysts?
Companies hiring mid level credit analysts right now include First Western Trust, Fitch Ratings, and Citi, based on current listings on Migrate Mate as of August 2026. Hiring at this level covers regional and national banks, commercial lenders, insurance firms, and corporations with in-house credit functions, all looking for analysts who can independently manage credit risk across meaningful portfolios.
Are there remote mid level credit analyst jobs?
Yes, though availability varies by employer and credit function. About 43% of mid level credit analyst openings are remote or hybrid as of August 2026, reflecting growing flexibility in financial services roles that rely primarily on data analysis and modeling rather than in-person client interaction. Fully remote openings tend to concentrate in corporate credit and consumer lending more than commercial banking.
How do I move up to a mid level credit analyst role?
The path from entry level to mid level is built on deepening technical skills and taking on broader ownership over time. Focus on mastering financial statement analysis, credit modeling, and your firm's underwriting standards, then actively seek out larger or more complex credits to evaluate independently. Demonstrating measurable impact, such as improving a risk rating process or reducing portfolio exceptions, signals readiness for the mid level. Mentorship and cross-functional exposure also accelerate the transition.
Which industries hire the most mid level credit analysts?
Mid Level credit analyst roles concentrate in Banking & Financial Services, Investment & Asset Management, and Technology & Software, based on current listings on Migrate Mate as of August 2026. These sectors drive hiring at this level because they manage large volumes of credit risk, require experienced analysts who can assess complex borrowers independently, and need professionals who can translate credit findings into actionable decisions for lending or investment teams.