Credit Specialist Jobs
Credit Specialist jobs are open across banking, fintech, insurance, and retail lending at every level from entry-level analyst to senior credit officer, with specializations in commercial credit, consumer underwriting, and collections. Scan the live roles below and apply to whichever ones fit.
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The Credit Operations Specialist is responsible for administering construction loan draws, due diligence background checks, and letters of credit.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Gather and review all necessary documents to process construction loan draws.
2. Set up and manage projects in the administration management portal.
3. Consult with loan officers, loan assistants, and inspectors to create a draw schedule and coordinate inspections.
4. Order due diligence background check reports on prospective and existing borrowers for new and renewing loans.
5. Conduct OFAC checks needed for the background check.
6. Monitor and balance letters of credit, working with other departments to process exceptions and resolve issues.
7. The ability to work in a constant state of alertness and in a safe manner.
8. Completes required BSA/AML training and other compliance training as assigned.
9. Perform any other related duties as required or assigned.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION AND EXPERIENCE
High school or GED, plus specialized schooling and/or on the job education in a specific skill area; e.g. data processing, clerical/administrative, equipment operation, etc., plus 2 years related experience and/or training, or equivalent combination of education and experience.
COMMUNICATION SKILLS
Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
CRITICAL THINKING SKILLS
Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
SOFTWARE SKILLS REQUIRED
Intermediate: 10-Key, Word Processing/Typing
Basic: Alphanumeric Data Entry, Spreadsheet
WORKING CONDITIONS
Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
While performing the functions of this job, the employee is continuously required to walk, sit, use hands to finger, handle, or feel, talk or hear; occasionally required to stand, reach with hands and arms, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.
ADDITIONAL INFORMATION
- Proficient in the use of computers
- Keen attention to detail
- Ability to multi-task and prioritize
- Ability to work under stringent time constraints
- 6 months of banking experience preferred
Education
Preferred- High School or better
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.
The Credit Operations Specialist is responsible for administering construction loan draws, due diligence background checks, and letters of credit.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Gather and review all necessary documents to process construction loan draws.
2. Set up and manage projects in the administration management portal.
3. Consult with loan officers, loan assistants, and inspectors to create a draw schedule and coordinate inspections.
4. Order due diligence background check reports on prospective and existing borrowers for new and renewing loans.
5. Conduct OFAC checks needed for the background check.
6. Monitor and balance letters of credit, working with other departments to process exceptions and resolve issues.
7. The ability to work in a constant state of alertness and in a safe manner.
8. Completes required BSA/AML training and other compliance training as assigned.
9. Perform any other related duties as required or assigned.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION AND EXPERIENCE
High school or GED, plus specialized schooling and/or on the job education in a specific skill area; e.g. data processing, clerical/administrative, equipment operation, etc., plus 2 years related experience and/or training, or equivalent combination of education and experience.
COMMUNICATION SKILLS
Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
CRITICAL THINKING SKILLS
Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
SOFTWARE SKILLS REQUIRED
Intermediate: 10-Key, Word Processing/Typing
Basic: Alphanumeric Data Entry, Spreadsheet
WORKING CONDITIONS
Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
While performing the functions of this job, the employee is continuously required to walk, sit, use hands to finger, handle, or feel, talk or hear; occasionally required to stand, reach with hands and arms, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.
ADDITIONAL INFORMATION
- Proficient in the use of computers
- Keen attention to detail
- Ability to multi-task and prioritize
- Ability to work under stringent time constraints
- 6 months of banking experience preferred
Education
Preferred- High School or better
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.
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Find Credit Specialist JobsCredit Specialist Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services
- Investment & Asset Management
What Employers Look For
The qualifications that appear most often in credit specialist jobs.
- Bachelor's degree in finance, accounting, business, or a related field
- Experience analyzing financial statements and assessing creditworthiness
- Proficiency with credit scoring models and decisioning software
- Strong knowledge of commercial or consumer lending regulations and compliance standards
- Experience managing or reviewing a credit portfolio including delinquency monitoring
- NACM certification such as Credit Business Associate or Credit Business Fellow preferred
Tips for Your Credit Specialist Job Search
Tailor your resume to credit type
Commercial and consumer credit roles value different things. If you're applying to commercial positions, lead with business financial statement analysis. For consumer roles, front your experience with credit scoring models, decisioning systems, and loan portfolio volume.
Get your NACM certification documented
Many credit specialist postings list NACM credentials as preferred or required. If you hold a Credit Business Associate or Credit Business Fellow designation, spell it out fully on your resume and in your cover letter, not just the acronym.
Apply early to roles that fit
Migrate Mate lists credit specialist openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Highlight specific decisioning tools you've used
Employers screen for hands-on experience with platforms like Salesforce Financial Services Cloud, Moody's, or FIS. Name the exact systems in your resume skills section so your application clears automated screening before a recruiter reads it.
Prepare a credit memo or analysis sample
Many hiring managers for credit analyst and underwriting roles ask for a writing sample or case study at the first or second interview stage. Have a sanitized credit memo or risk summary ready that shows your analysis structure and recommendation logic.
Negotiate using your portfolio metrics
When discussing compensation, anchor the conversation to measurable outcomes from your work, such as delinquency rates you managed, portfolio size you handled, or approval accuracy you maintained. Concrete figures from your own experience are your strongest negotiating tool.
Credit Specialist Jobs: Frequently Asked Questions
Which companies are hiring the most credit specialists?
The most active employers for credit specialists right now are JPMorganChase, Seldin Company, and Wells Fargo, and the most openings are in Texas, New York, and California, based on current listings on Migrate Mate as of November 2026. Demand is especially strong in commercial banking and fintech lending platforms.
How many credit specialist jobs are remote?
About 50% of credit specialist openings are fully remote or hybrid as of November 2026, with the highest remote share in consumer underwriting and credit review roles. Commercial credit analyst positions tied to relationship banking tend to require more in-office presence due to client interaction and cross-functional collaboration requirements.
How do you become a credit specialist?
Start with a bachelor's degree in finance, accounting, or business, then build hands-on experience through roles in banking, lending, or accounts receivable. Learn to read and interpret financial statements, become proficient in credit analysis software, and pursue a NACM certification to strengthen your candidacy. Entry-level credit analyst or collections roles are common starting points.
Can you get a credit specialist job with little or no experience?
Yes, entry-level credit specialist roles exist, particularly in consumer lending, collections, and credit review. Employers in these areas often hire candidates with strong analytical coursework, internship experience, or a background in customer-facing financial services. Demonstrating familiarity with credit reports, basic financial statements, and compliance awareness gives you a clear edge over other entry-level applicants.
What does the credit specialist interview process look like?
Most credit specialist interviews include a phone or video screen focused on your analytical background, followed by one or two in-depth interviews covering credit policy knowledge, financial statement analysis, and scenario-based questions about how you'd evaluate a borrower or manage a delinquent account. Some employers add a written case study or technical exercise before extending an offer.
Where can I find and apply to credit specialist jobs?
You can find and apply to credit specialist jobs on Migrate Mate, which lists current openings from across the United States. Search for roles that match your experience level and specialization, whether that's commercial credit, consumer underwriting, or collections, and apply directly to each listing that fits your background.
See All 61 Credit Specialist Jobs
Find roles that match your experience and apply in just a few clicks.
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