H-1B Visa Credit Analyst Jobs
Credit Analyst roles qualify for H-1B visa sponsorship as specialty occupations requiring at least a bachelor's degree in finance, economics, or accounting. Banks, credit unions, and commercial lenders sponsor H-1B workers in this role, and cap-subject petitions require employer filing by April 1 for an October 1 start date.
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4910 Tiedeman Road, Brooklyn Ohio
Job Summary
The Credit Analyst is an individual contributor responsible for gathering, analyzing, and interpreting various types of credit information on existing and prospective customers to determine credit worthiness. While under the supervision of Underwriting Team Leaders, the Credit Analyst assists in structuring new requests for extensions of credit, as well as completing extensions, renewals and making recommendations for improving the bank's position with deteriorating credits. Credit Analysts are responsible for assessing the degree of risk within a given business and recommending client credit solutions to maintain the bank's asset quality while ensuring compliance with credit policy and guidelines.
Essential Functions
- Evaluate loan requests to properly identify purpose, risk elements, and collateral adequacy.
- Assess the liquidity, quality of management, market position, and overall business climate to estimate future profitability of business.
- Analyze credit data, financial statements (cash flow, balance sheet, income statements), and tax returns (both personal and business) to determine creditworthiness and the degree of risk involved in extending credit or lending.
- Apply accounting principles to basic financial modeling.
- Input, interpret, and assess risk rating model output and client data to develop a credit recommendation.
- Develop the credit write-up to recommend loan structuring opportunities to present to Credit partners and/or Credit Officers; document and communicate findings providing relative guidance.
- Identify deteriorating credits early and escalate with considerations for restructure.
- Initiate annual reviews.
- Review loan documentation to ensure loan documents match terms and conditions outlined in the credit approval.
- Create and maintain credit files, and develop spreadsheets based on financial statements to facilitate foundational underwriting analysis.
- Responsible for client setup, client data tracking, document tracking, reports, testing borrowing base certificates and covenant compliance, trends, and dashboards.
- Provide financial analysis and portfolio administration to ensure timely and accurate risk ratings.
- Prepare loan packages and monitor and maintain loan portfolios.
- May mentor newly hired analysts.
- Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice.
- Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.
Education
Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business. (required)
Work Experience
- Experience with financial and/or borrower analysis (required)
- Competent with Microsoft Office and the ability to learn and effectively utilize other technology applications (required)
- Understanding of financial models (required)
- Ability to gather relevant research, analyze data, and synthesize information to draw conclusions and produce insights (required)
- Effective presentation and communication skills, with the ability to collaboratively make an impact (required)
- Ability to plan, multi-task, manage time effectively, and work, independently at times, with supervision of senior team members (required)
Skills
- Able to gather or pull together relevant information and utilize it to draw insights, conclusions, solution problems, make decisions and/or tell a story. Requires one to make sense of the data and display logical, connected thinking. (experienced level)
- Demonstrates an understanding of foundational accounting principles and can interpret and analyze financial statements (balance sheets, income statements, cash flow statements) to assess a company's financial health and ability to meet its obligations. Able to effectively utilize various tools and techniques, including financial ratios, to evaluate a borrower's financial strength and assess risk. (working knowledge level)
- Able to effectively identify, assess, and control potential risks involved with corporate lending. Able to effectively interpret and negotiate credit agreements and loan documentation. Understanding how specific loan terms and conditions can be employed to mitigate risk of loss. (working knowledge level)
- Demonstrated ability to take initiative, set clear objectives, and prioritize tasks to meet deadlines, maximize productivity, and minimize stress. Able to successfully identify which tasks are urgent (requiring immediate attention) and which are important (contributing to long-term goals). Able to effectively multitask and balance competing priorities. Habitually working with energy and commitment; industrious. (working knowledge level)
- Able to clearly, concisely, and persuasively convey information, whether verbal, written, or nonverbal. Able to effectively synthesize large amounts of complex information into a more consumable summary. Consistently demonstrates a focus on keeping clients, partners, and teammates informed as to the real-time status of important matters. (working knowledge level)
- Effectively working with others to reach a shared goal. Consistently displaying a willingness to shoulder a fair share of the workload in addition to helping others meet their objectives. (working knowledge level)
- Consistently taking ownership of one's actions, decisions, and performance, and being responsible for achieving the agreed-upon outcomes. Being reliable, dependable, and fulfilling commitments. Able to be relied upon as honest and truthful. (working knowledge level)
- Able to identify, evaluate, and interpret information, and question assumptions to reach well-supported, evidence-based conclusions. Open-minded and eager to seize opportunities to learn, grow, acquire knowledge, and expand skill set. (working knowledge level)
Core Competencies
All KeyBank employees are expected to demonstrate Key’s Values and abide by Key’s Code of Conduct.
Physical Demands
General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
Travel
Occasional travel to include overnight stay.
Work Location Category
- Hybrid (3+ days)
COMPENSATION AND BENEFITS
This position is eligible to earn a base salary in the range of $52,000.00 - $80,000.00 annually. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes eligibility for incentive compensation which may include production, commission, and/or discretionary incentives.
Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.
Job Posting Expiration Date: 07/23/2026
KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.
LI-Hybrid
Location:
4910 Tiedeman Road, Brooklyn Ohio
Job Summary
The Credit Analyst is an individual contributor responsible for gathering, analyzing, and interpreting various types of credit information on existing and prospective customers to determine credit worthiness. While under the supervision of Underwriting Team Leaders, the Credit Analyst assists in structuring new requests for extensions of credit, as well as completing extensions, renewals and making recommendations for improving the bank's position with deteriorating credits. Credit Analysts are responsible for assessing the degree of risk within a given business and recommending client credit solutions to maintain the bank's asset quality while ensuring compliance with credit policy and guidelines.
Essential Functions
- Evaluate loan requests to properly identify purpose, risk elements, and collateral adequacy.
- Assess the liquidity, quality of management, market position, and overall business climate to estimate future profitability of business.
- Analyze credit data, financial statements (cash flow, balance sheet, income statements), and tax returns (both personal and business) to determine creditworthiness and the degree of risk involved in extending credit or lending.
- Apply accounting principles to basic financial modeling.
- Input, interpret, and assess risk rating model output and client data to develop a credit recommendation.
- Develop the credit write-up to recommend loan structuring opportunities to present to Credit partners and/or Credit Officers; document and communicate findings providing relative guidance.
- Identify deteriorating credits early and escalate with considerations for restructure.
- Initiate annual reviews.
- Review loan documentation to ensure loan documents match terms and conditions outlined in the credit approval.
- Create and maintain credit files, and develop spreadsheets based on financial statements to facilitate foundational underwriting analysis.
- Responsible for client setup, client data tracking, document tracking, reports, testing borrowing base certificates and covenant compliance, trends, and dashboards.
- Provide financial analysis and portfolio administration to ensure timely and accurate risk ratings.
- Prepare loan packages and monitor and maintain loan portfolios.
- May mentor newly hired analysts.
- Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice.
- Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.
Education
Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business. (required)
Work Experience
- Experience with financial and/or borrower analysis (required)
- Competent with Microsoft Office and the ability to learn and effectively utilize other technology applications (required)
- Understanding of financial models (required)
- Ability to gather relevant research, analyze data, and synthesize information to draw conclusions and produce insights (required)
- Effective presentation and communication skills, with the ability to collaboratively make an impact (required)
- Ability to plan, multi-task, manage time effectively, and work, independently at times, with supervision of senior team members (required)
Skills
- Able to gather or pull together relevant information and utilize it to draw insights, conclusions, solution problems, make decisions and/or tell a story. Requires one to make sense of the data and display logical, connected thinking. (experienced level)
- Demonstrates an understanding of foundational accounting principles and can interpret and analyze financial statements (balance sheets, income statements, cash flow statements) to assess a company's financial health and ability to meet its obligations. Able to effectively utilize various tools and techniques, including financial ratios, to evaluate a borrower's financial strength and assess risk. (working knowledge level)
- Able to effectively identify, assess, and control potential risks involved with corporate lending. Able to effectively interpret and negotiate credit agreements and loan documentation. Understanding how specific loan terms and conditions can be employed to mitigate risk of loss. (working knowledge level)
- Demonstrated ability to take initiative, set clear objectives, and prioritize tasks to meet deadlines, maximize productivity, and minimize stress. Able to successfully identify which tasks are urgent (requiring immediate attention) and which are important (contributing to long-term goals). Able to effectively multitask and balance competing priorities. Habitually working with energy and commitment; industrious. (working knowledge level)
- Able to clearly, concisely, and persuasively convey information, whether verbal, written, or nonverbal. Able to effectively synthesize large amounts of complex information into a more consumable summary. Consistently demonstrates a focus on keeping clients, partners, and teammates informed as to the real-time status of important matters. (working knowledge level)
- Effectively working with others to reach a shared goal. Consistently displaying a willingness to shoulder a fair share of the workload in addition to helping others meet their objectives. (working knowledge level)
- Consistently taking ownership of one's actions, decisions, and performance, and being responsible for achieving the agreed-upon outcomes. Being reliable, dependable, and fulfilling commitments. Able to be relied upon as honest and truthful. (working knowledge level)
- Able to identify, evaluate, and interpret information, and question assumptions to reach well-supported, evidence-based conclusions. Open-minded and eager to seize opportunities to learn, grow, acquire knowledge, and expand skill set. (working knowledge level)
Core Competencies
All KeyBank employees are expected to demonstrate Key’s Values and abide by Key’s Code of Conduct.
Physical Demands
General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
Travel
Occasional travel to include overnight stay.
Work Location Category
- Hybrid (3+ days)
COMPENSATION AND BENEFITS
This position is eligible to earn a base salary in the range of $52,000.00 - $80,000.00 annually. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes eligibility for incentive compensation which may include production, commission, and/or discretionary incentives.
Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.
Job Posting Expiration Date: 07/23/2026
KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.
LI-Hybrid
See all 347+ H-1B Visa Credit Analyst Jobs
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Get Access To All JobsTips for Finding H-1B Visa Sponsorship as a Credit Analyst
Align your degree to specialty occupation
USCIS evaluates whether your degree field directly relates to credit analysis work. A finance, economics, accounting, or statistics degree strengthens your petition. A general business degree without quantitative coursework can trigger a Request for Evidence.
Target employers with LCA filing history
Filter your job search to employers who have previously filed Labor Condition Applications for Credit Analyst or similar financial roles. Migrate Mate surfaces this DOL filing history by occupation, so you can confirm sponsorship intent before applying.
Verify prevailing wage before accepting an offer
Your offer salary must meet the DOL prevailing wage for Credit Analysts in your work location. Run the OFLC Wage Search using the relevant SOC code before signing an offer letter to confirm the employer's figure is compliant.
Confirm the employer's E-Verify enrollment
H-1B sponsoring employers must be E-Verify participants. Ask your recruiter directly or check the E-Verify employer search before your first interview. Non-enrolled employers cannot legally file your petition, regardless of their stated intent.
Request premium processing for time-sensitive roles
If your OPT or other status has a narrow expiration window, ask the employer to elect premium processing, which delivers a USCIS decision within 15 business days. Not all employers offer it automatically, so negotiate this during the offer stage.
Use O*NET to document specialty occupation evidence
The O*NET occupation profile for Credit Analysts lists required knowledge areas and typical education levels. Your attorney can cite this in the I-129 petition to establish that the role meets the specialty occupation standard.
H-1B Visa Credit Analyst: Frequently Asked Questions
Does a Credit Analyst role qualify as an H-1B specialty occupation?
Yes. USCIS generally approves Credit Analyst petitions as specialty occupations because the role requires applying theoretical and practical knowledge in finance, economics, or accounting at a bachelor's-degree level or higher. Employers strengthen the petition by documenting that the specific duties require that specialized education, not just general business skills.
Which types of employers sponsor H-1B visas for Credit Analysts?
Commercial banks, investment banks, credit unions, insurance companies, asset managers, and corporate treasury departments all file H-1B petitions for Credit Analysts. To find employers with a documented history of sponsoring this role, search Migrate Mate, which filters listings by verified DOL Labor Condition Application data for financial analysis positions.
What happens to my H-1B status if my credit analyst position is eliminated?
You have a 60-day grace period after your employment ends to find a new H-1B sponsor, change to another valid status, or depart the U.S. A new employer must file an H-1B transfer petition before the 60 days expire. USCIS does not extend this window, so acting immediately once you receive notice is critical.
Can a Credit Analyst role support an H-1B petition with a general business degree?
It depends on the specific degree coursework. USCIS looks for a direct relationship between the degree field and the job duties. A general business degree with substantial coursework in financial modeling, credit risk, or quantitative analysis may qualify, but the employer's attorney will need to document that relationship explicitly in the petition to avoid a Request for Evidence.
Is the H-1B cap a risk for Credit Analyst roles at most employers?
Cap-subject employers, including most banks and private firms, must enter the annual H-1B lottery, and selection isn't guaranteed. Cap-exempt employers such as nonprofit research organizations or certain university-affiliated financial institutions can file year-round outside the lottery. Identifying whether a prospective employer is cap-exempt is worth confirming before committing to an application timeline.