Credit Analyst Jobs in Missouri
Credit Analyst jobs in Missouri are concentrated in Kansas City and St. Louis, where regional banks, insurance companies, and corporate finance departments drive consistent hiring at every level from entry-level analyst to senior credit officer. Major employers with established Missouri footprints include Commerce Bancshares, UMB Financial Corporation, and Centene Corporation, all of which maintain active credit and risk analysis teams. Commercial lending, consumer credit underwriting, and portfolio risk management are the most in-demand specialties across both metros. Find a role that fits below and apply directly.
Find Credit Analyst JobsOverview
Showing 5 of 24+ Credit Analyst jobs
Summary
Ability to apply skills toward effective financial analysis of borrowers’ financial statements, cash flow analysis, repayment sources and viability, and overall analysis of commercial credit. The individual will be able to perform credit analysis of complex credits. Well-written credit analysis with minimal revisions made by supervisor or department head.
Responsibilities
- Create financial statement spreads and summary charts.
- Perform financial analysis of commercial loans (both real estate and commercial and industrial). Commercial credits will be more complex with potential for multiple collateral types, multiple guarantors, and various industries
- Prepare financial analysis on unique commercial property types such as special purpose or commercial businesses with limited market share.
- Demonstrate strong understanding of accounting treatments typically found in financial statements of larger commercial credits.
- Identify, outline, and mitigate material policy exceptions during the underwriting process.
- Prepare well written financial analysis of loans for presentation to loan officers and/or loan committee. Attend committee during loan presentation.
- Complete financial analysis reports in a quality manner and within service timeline expectations.
- Adapt to changing workflow assignments and manage multiple loan requests at any given time.
- Effectively communicate with lending officers, supervisors, and co-workers to provide effective follow up on credit reviews and workflow.
- Mentor Credit Analyst I and Credit Analyst II colleagues.
- Protect all client and bank information confidentially and follow all company policies.
- Complete monthly training in a timely manner to ensure knowledge of bank regulatory requirements, policies, and procedures.
- Other specified duties as assigned.
- Knowledge of employment and labor laws and recruiting best practices.
- Strong attention to detail and ability to complete work accurately and timely
- Ability to organize work
- Strong written and verbal communication skills required Replace with Proficiency in Microsoft Office 365 and Copilot required.
- 5 years or more of experience with financial statement analysis, commercial loan review, accounting financial analysis, or similar work experience.
- Undergraduate degree in either the field of accounting, finance, real estate, business administration, or related field Experience in larger size credits more than $1 million.
Physical Requirements
The work environment is typical of a standard office or retail banking setting. The position is sedentary, involving sitting most of the workday; however, the position will involve moving about the workspace to reach entrances/exits, restrooms, conference rooms, or other areas within the work environment. Reaching may be required involving the ability to move arms in any direction. Office equipment, such as a computer and telephone, will be used requiring the ability to manipulate a keyboard, mouse, and/or keypad. The ability to decipher a computer screen or written documents is necessary. The ability to express or exchange ideas; impart information to clients, coworkers, or the public; or to convey detailed or important instructions; is required. The ability to receive and understand detailed information shared through oral or written communication is required. Position requires lifting and/or the exerting of up to 10 pounds of force.
Benefits
Full‐time associates are eligible for our benefits package:
- Medical
- Dental
- Vision
- 401(k) plan
- Company paid life insurance
- Short and Long-term disability insurance Company paid vacation, paid leave and holidays
This position will remain open until a qualified applicant is hired.
Summary
Ability to apply skills toward effective financial analysis of borrowers’ financial statements, cash flow analysis, repayment sources and viability, and overall analysis of commercial credit. The individual will be able to perform credit analysis of complex credits. Well-written credit analysis with minimal revisions made by supervisor or department head.
Responsibilities
- Create financial statement spreads and summary charts.
- Perform financial analysis of commercial loans (both real estate and commercial and industrial). Commercial credits will be more complex with potential for multiple collateral types, multiple guarantors, and various industries
- Prepare financial analysis on unique commercial property types such as special purpose or commercial businesses with limited market share.
- Demonstrate strong understanding of accounting treatments typically found in financial statements of larger commercial credits.
- Identify, outline, and mitigate material policy exceptions during the underwriting process.
- Prepare well written financial analysis of loans for presentation to loan officers and/or loan committee. Attend committee during loan presentation.
- Complete financial analysis reports in a quality manner and within service timeline expectations.
- Adapt to changing workflow assignments and manage multiple loan requests at any given time.
- Effectively communicate with lending officers, supervisors, and co-workers to provide effective follow up on credit reviews and workflow.
- Mentor Credit Analyst I and Credit Analyst II colleagues.
- Protect all client and bank information confidentially and follow all company policies.
- Complete monthly training in a timely manner to ensure knowledge of bank regulatory requirements, policies, and procedures.
- Other specified duties as assigned.
- Knowledge of employment and labor laws and recruiting best practices.
- Strong attention to detail and ability to complete work accurately and timely
- Ability to organize work
- Strong written and verbal communication skills required Replace with Proficiency in Microsoft Office 365 and Copilot required.
- 5 years or more of experience with financial statement analysis, commercial loan review, accounting financial analysis, or similar work experience.
- Undergraduate degree in either the field of accounting, finance, real estate, business administration, or related field Experience in larger size credits more than $1 million.
Physical Requirements
The work environment is typical of a standard office or retail banking setting. The position is sedentary, involving sitting most of the workday; however, the position will involve moving about the workspace to reach entrances/exits, restrooms, conference rooms, or other areas within the work environment. Reaching may be required involving the ability to move arms in any direction. Office equipment, such as a computer and telephone, will be used requiring the ability to manipulate a keyboard, mouse, and/or keypad. The ability to decipher a computer screen or written documents is necessary. The ability to express or exchange ideas; impart information to clients, coworkers, or the public; or to convey detailed or important instructions; is required. The ability to receive and understand detailed information shared through oral or written communication is required. Position requires lifting and/or the exerting of up to 10 pounds of force.
Benefits
Full‐time associates are eligible for our benefits package:
- Medical
- Dental
- Vision
- 401(k) plan
- Company paid life insurance
- Short and Long-term disability insurance Company paid vacation, paid leave and holidays
This position will remain open until a qualified applicant is hired.
See All 24 Credit Analyst Jobs in Missouri
Find roles in Missouri that match your experience and apply in just a few clicks.
Find Credit Analyst JobsCredit Analyst Jobs by City in Missouri
Where Missouri roles are concentrated, by current openings.
Credit Analyst Job Market in Missouri
A snapshot from current Missouri openings, updated as new roles post.
Who's Hiring
- Citi5
- Academy Bank4
- Central Bank2
- Midwest BankCentre2
- Jack Henry & Associates2
Top Industries Hiring
- Banking & Financial Services4
- Investment & Asset Management4
- Technology & Software3
- Construction & Real Estate2
What Missouri Employers Look For
The qualifications that appear most often in credit analyst jobs across Missouri.
- Bachelor's degree in finance, accounting, economics, or a related business field
- Demonstrated ability to analyze financial statements and assess borrower creditworthiness
- Proficiency in financial modeling and spreadsheet tools such as Excel or Moody's CreditLens
- Familiarity with commercial lending regulations and credit policy compliance standards
- Strong written communication skills for preparing credit memos and underwriting summaries
- CFA or CPA credential preferred for senior or corporate credit analyst positions
Credit Analyst Jobs in Missouri: Frequently Asked Questions
How do you become a credit analyst in Missouri?
Most credit analyst roles in Missouri require a bachelor's degree in finance, accounting, economics, or business. Missouri does not issue a state-specific license for credit analysts, so employers focus on education, relevant coursework, and credentials such as the CFA designation or a banking certificate from institutions like the Missouri Bankers Association. Starting in consumer or commercial lending support roles at regional banks or credit unions is a common entry path.
How much do credit analysts make in Missouri?
Credit analysts in Missouri earn a median of about $65,350 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $50,020 for the lowest 10% to over $113,280 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire credit analysts in Missouri?
Missouri credit analyst roles are posted by Citi, Academy Bank, and Central Bank and others right now, based on current listings on Migrate Mate as of July 2026. Missouri's concentration of regional banks, insurance carriers, and diversified financial services companies means credit analyst demand is spread across both the Kansas City and St. Louis metros.
Which Missouri cities have the most credit analyst jobs?
Kansas City, O'Fallon, and Springfield have the most credit analyst openings in Missouri. Kansas City dominates because of its dense cluster of regional bank headquarters and corporate treasury functions, while St. Louis draws hiring through its major insurance carriers, investment firms, and large corporate finance departments anchored by companies like Centene and Edward Jones.
Are there remote credit analyst jobs in Missouri?
Yes, and more than many finance roles, since credit analysis is fundamentally a desk and data-driven discipline. About 63% of credit analyst openings tied to Missouri are remote or hybrid as of July 2026, reflecting how well the work translates to distributed teams. Portfolio review, underwriting support, and financial statement analysis are the tasks most commonly performed fully remote.
How can I get hired as a credit analyst in Missouri with little or no experience?
The most realistic entry path is applying for a credit analyst associate or junior underwriter role at a regional bank or credit union in Kansas City or St. Louis. Institutions like Commerce Bancshares and UMB Financial run structured analyst development programs for recent graduates. Lateral moves from teller, loan processor, or accounting assistant positions are common. Earning a banking certificate through the Missouri Bankers Association or passing the first CFA level gives candidates a measurable edge over the competition.
Where can I find and apply to credit analyst jobs in Missouri?
You can find and apply to credit analyst jobs in Missouri on Migrate Mate, which lists current Missouri openings across Kansas City, St. Louis, and smaller markets statewide. Find roles that fit your experience and specialty and apply directly to employers without any intermediate steps.
See All 24 Credit Analyst Jobs in Missouri
Find roles in Missouri that match your experience and apply in just a few clicks.
Find Credit Analyst Jobs