Remote Credit Analyst Jobs
Remote credit analyst jobs are open across the U.S. in banking, fintech, commercial lending, and corporate finance, from entry-level positions at remote-first lenders to senior roles on distributed credit teams. Employers hiring remotely right now include Canon, ConnectOne Bank, and City National Bank. See the openings below and apply to the ones that match your experience.
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- Posted on November 9, 2026
About the Position
Working closely with CRF’s small business customers to successfully structure and finance loan transactions, with responsibility to underwrite SBA 7(a) and CRF business loans. This role requires review of loan packages, analysis of financial statements using our loan origination system (Abrigo/Sageworks), ability to critically evaluate borrower prospects, and prepare credit summaries (write-ups). As part of these responsibilities, the position works closely with CRF Lending Team and small business borrowers to capture key information to assess SBA/CRF program eligibility, determine whether borrowers meet CRF credit policy, complete analyses of the key credit factors and risks, and make credit approval recommendations. This position also reviews and recommends action on loan modification requests, working with the Loan Packaging/Closing Team.
The position will report to the Director of Credit and will work closely with the Lending team, Credit team, and the Loan Packaging and Closing team. Additionally, the Credit Analyst II will work and connect cross-departmentally with the Portfolio Management and Finance team and other departments in the organization as well as external clients and vendors.
Key Responsibilities & Accountabilities
- Underwrite assigned loan requests for SBA and CRF programs loans
- Support the loan approval process through preparation of loan write-ups and commitment letters
- Prepare and manage credit and production reports and various ad hoc reports as needed
- Complete credit management tasks and projects
- Partner with the Director of Credit and Credit team to streamline the credit review and underwriting process and provide recommendations for improvement
- Work proactively to seek alternative solutions or credit structures when appropriate for loan requests
- Guide and assist the borrower through the credit process to keep the process moving forward
- Collaborate with cross-functional teams, including Sales, Packaging/Closing, and Portfolio Management
- Stay up-to-date with industry and regulatory changes and best practices
About You
- Bachelor’s degree in Business, Economics, Finance, Accounting, Mathematics, Statistics or related field
- 3 to 5 years of experience in credit underwriting for small business and/or commercial real estate loans
- Seasoned knowledge of spreading financial statements and tax returns, cash flow and ratio analysis, projections, property operating statements, independent market research, commercial construction budgets, appraisal valuation and environmental reports
- Working knowledge of commercial loan structuring and documentation
- Ability to effectively communicate verbally and through written forms of communication
Key Competencies & Preferences
- SBA underwriting experience and familiarity with the SBA SOP
- Knowledge and understanding of the CDFI industry
Candidates must reside in and be authorized to work in the United States without sponsorship.
CRF is headquartered in Minneapolis, Minnesota. For a more detailed description of the incredible work we do, how we do it, and who we are, please visit www.crfusa.com.
What We Offer
- Most positions offer flexibility for remote work
- Health, dental, and vision insurance
- 401K with a 5% match – eligible to participate after 6 months
- Paid Time Off (PTO)
- Hybrid Reimbursement Program
- Educational Assistance
- Long-Term and Short-Term Disability
- Life Insurance
- 10 Federal Holidays plus 2 Floating Holidays
How to Apply
- Posted on November 9, 2026
About the Position
Working closely with CRF’s small business customers to successfully structure and finance loan transactions, with responsibility to underwrite SBA 7(a) and CRF business loans. This role requires review of loan packages, analysis of financial statements using our loan origination system (Abrigo/Sageworks), ability to critically evaluate borrower prospects, and prepare credit summaries (write-ups). As part of these responsibilities, the position works closely with CRF Lending Team and small business borrowers to capture key information to assess SBA/CRF program eligibility, determine whether borrowers meet CRF credit policy, complete analyses of the key credit factors and risks, and make credit approval recommendations. This position also reviews and recommends action on loan modification requests, working with the Loan Packaging/Closing Team.
The position will report to the Director of Credit and will work closely with the Lending team, Credit team, and the Loan Packaging and Closing team. Additionally, the Credit Analyst II will work and connect cross-departmentally with the Portfolio Management and Finance team and other departments in the organization as well as external clients and vendors.
Key Responsibilities & Accountabilities
- Underwrite assigned loan requests for SBA and CRF programs loans
- Support the loan approval process through preparation of loan write-ups and commitment letters
- Prepare and manage credit and production reports and various ad hoc reports as needed
- Complete credit management tasks and projects
- Partner with the Director of Credit and Credit team to streamline the credit review and underwriting process and provide recommendations for improvement
- Work proactively to seek alternative solutions or credit structures when appropriate for loan requests
- Guide and assist the borrower through the credit process to keep the process moving forward
- Collaborate with cross-functional teams, including Sales, Packaging/Closing, and Portfolio Management
- Stay up-to-date with industry and regulatory changes and best practices
About You
- Bachelor’s degree in Business, Economics, Finance, Accounting, Mathematics, Statistics or related field
- 3 to 5 years of experience in credit underwriting for small business and/or commercial real estate loans
- Seasoned knowledge of spreading financial statements and tax returns, cash flow and ratio analysis, projections, property operating statements, independent market research, commercial construction budgets, appraisal valuation and environmental reports
- Working knowledge of commercial loan structuring and documentation
- Ability to effectively communicate verbally and through written forms of communication
Key Competencies & Preferences
- SBA underwriting experience and familiarity with the SBA SOP
- Knowledge and understanding of the CDFI industry
Candidates must reside in and be authorized to work in the United States without sponsorship.
CRF is headquartered in Minneapolis, Minnesota. For a more detailed description of the incredible work we do, how we do it, and who we are, please visit www.crfusa.com.
What We Offer
- Most positions offer flexibility for remote work
- Health, dental, and vision insurance
- 401K with a 5% match – eligible to participate after 6 months
- Paid Time Off (PTO)
- Hybrid Reimbursement Program
- Educational Assistance
- Long-Term and Short-Term Disability
- Life Insurance
- 10 Federal Holidays plus 2 Floating Holidays
How to Apply
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Find Remote Credit Analyst JobsRemote Credit Analyst Job Market
Who's Hiring
What Employers Look For
The qualifications that appear most often in remote 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 Remote Credit Analyst Job Search
Apply early to remote roles that fit
Migrate Mate lists remote credit analyst openings from across the U.S. in one place, so you can find roles that match your underwriting background and apply directly. Remote postings fill fast, so checking regularly and applying as soon as a match appears gives you a real advantage.
Show async communication skills on your resume
Remote credit teams rely on written memos, shared spreadsheets, and async updates instead of desk-side conversations. Highlight experience producing standalone credit write-ups, risk summaries, or underwriting packages that decision-makers could read without a follow-up call from you.
Build a sample credit analysis for applications
Remote employers can't watch you work, so a one-page public company or loan scenario analysis proves your underwriting process upfront. Include your methodology, ratio analysis, and a clear recommendation so hiring managers can assess your thinking before the first interview.
Learn the platforms remote credit teams use
Fluency with Moody's CreditLens, Sageworks, Finagraph, or cloud-based spreading tools is a concrete differentiator for remote roles where you won't have a colleague to shadow. Name the platforms you've used directly in your resume skills section.
Remote Credit Analyst Jobs: Frequently Asked Questions
How do I get a remote credit analyst job?
Target remote-first lenders, fintech platforms, and distributed commercial finance teams, since these employers are built to manage credit analysts without an office. Remote hiring managers screen heavily for self-direction and written communication, so your application needs to show you can produce clean credit memos and underwriting analysis with minimal back-and-forth. Fluency with financial modeling software and credit platforms gives you a measurable edge.
Which companies hire remote credit analysts?
Companies hiring remote credit analysts right now include Canon, ConnectOne Bank, and City National Bank, based on current remote listings on Migrate Mate as of November 2026. Remote credit analyst roles tend to come from fintech lenders, commercial banks with distributed teams, and corporate finance departments that have moved underwriting and portfolio review functions fully remote.
Can you get a remote credit analyst job with no experience?
Yes, but remote entry-level credit analyst roles are harder to land because employers expect you to work independently from day one without in-person coaching. Fintech lenders and online lending platforms are the most likely to hire entry-level candidates remotely. A financial modeling project, a credit analysis case study, or a relevant certification like NACM can substitute for direct work history and open the door.
Do you need a degree for remote credit analyst jobs?
Not always. Most remote credit analyst postings list a finance, accounting, or economics degree as preferred, but remote employers weigh demonstrated underwriting ability and financial modeling skills heavily alongside credentials. Candidates who can show clean credit memos, portfolio analysis work, or passing results on a skills assessment often move forward without a four-year degree in a directly related field.
See All 28 Remote Credit Analyst Jobs
Find roles that match your experience and apply in just a few clicks.
Find Remote Credit Analyst Jobs