Remote Credit Representative Jobs
Remote credit representative jobs are open across the U.S. at remote-first firms and distributed teams, with active hiring in financial services, healthcare revenue cycle, and consumer lending. Employers bringing on remote credit representatives right now include Deutsche Bank, Huntington Bank, and Libertas Funding. Find a role that fits below and apply directly.
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Showing 5 of 125+ Remote Credit Representative jobs
Commercial Credit Analyst II
Location: Clarksville TN, Brentwood TN, Murfreesboro TN, Lebanon TN, Chattanooga TN, Knoxville TN, Bowling Green KY, or Lexington KY (Remote)
Status: Full-Time, Salary Exempt
Why Join First Financial Bank?
At First Financial Bank, sound lending decisions are the foundation of strong client relationships and sustainable growth. Our Commercial Credit team plays an important role in helping businesses access the financing they need while maintaining the financial strength and stability our customers and communities depend on.
As a Credit Analyst II, you'll play a key role in supporting those decisions by evaluating complex commercial credit relationships, analyzing financial performance, and providing thoughtful recommendations to our lending teams. You'll work closely with Commercial Lenders and credit leadership, applying your analytical expertise to a variety of lending opportunities while contributing to a collaborative, relationship-focused banking environment.
What You’ll Do
- Analyze commercial credit: Evaluate financial statements, cash flow, credit reports, and other financial information for new, renewed, and existing commercial loans to assess creditworthiness and repayment capacity.
- Support credit decisions: Develop financial analyses, reports, summaries, and recommendations to help Commercial Lenders and credit leadership evaluate lending opportunities.
- Prepare loan presentations: Compile comprehensive credit packages for Loan Committee consideration and assist with Board of Directors presentations and reporting as needed.
- Ensure sound underwriting: Review credit requests for compliance with established underwriting guidelines, lending policies, and applicable regulatory requirements.
- Maintain credit documentation: Review and update commercial loan files, financial statements, accounts receivable information, and other supporting documentation to ensure accuracy and completeness.
- Partner with lending teams: Provide technical guidance and analytical support to Commercial Lenders and other banking partners throughout the organization.
- Support portfolio oversight: Conduct credit inquiries, review existing relationships, and maintain required compliance tracking and reporting.
- Stay current: Maintain knowledge of commercial credit analysis practices, underwriting standards, banking regulations, and evolving industry trends.
What We’re Looking For
- Bachelor's degree in Business Administration, Finance, Accounting, or a related field required
- 5–10 years of credit analysis experience preferred, including experience evaluating complex commercial credit transactions
- Strong knowledge of commercial lending, financial statement analysis, cash flow evaluation, and credit underwriting principles
- Advanced proficiency with spreadsheets, word processing applications, and financial analysis tools
- Strong analytical, critical thinking, problem-solving, and decision-making skills
- Excellent written and verbal communication skills with the ability to present financial information and credit recommendations clearly
- Strong organizational skills, attention to detail, and commitment to accuracy in financial analysis and documentation
- Ability to manage multiple priorities, meet deadlines, and maintain sound judgment in a fast-paced environment
- Ability to work independently while collaborating effectively with Commercial Lenders, credit leadership, and other banking partners
- Ability to review detailed financial information and documentation, maintain sustained concentration, and perform computer-based analytical work for extended periods
What We Offer
- Competitive Pay & Benefits: Medical, dental, vision, and employer-paid life and disability insurance.
- Financial Perks: 401(k) match, Employee Stock Ownership Program (ESOP), and banking benefits.
- Work-Life Balance: Paid time off, including 11 Federal Reserve bank holidays.
- Growth Opportunities: Tuition assistance and professional development programs.
- A Supportive Culture: Integrity, collaboration, innovation, and respect are at the heart of what we do.
Who We Are
First Financial Bank is a dynamic financial institution with over $6+ billion in assets and a proud history dating back to 1834. With more than 75 banking centers across five states, we are committed to empowering our clients, fostering personal growth, and building community.
Joining First Financial Bank means becoming part of a legacy where your work directly contributes to the stability and growth of the communities we serve. Here, you are more than an employee; you are an essential member of a team dedicated to living out the values of "One First" every day. Be part of a bank that values your contributions and invests in your future!
Ready to Join Us?
Apply now and take the next step in your banking career! We review all applications and will respond promptly.
First Financial Bank is an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, genetic information, national origin, disability, military and/or veteran status, or any other Federal or State legally protected classes.
Commercial Credit Analyst II
Location: Clarksville TN, Brentwood TN, Murfreesboro TN, Lebanon TN, Chattanooga TN, Knoxville TN, Bowling Green KY, or Lexington KY (Remote)
Status: Full-Time, Salary Exempt
Why Join First Financial Bank?
At First Financial Bank, sound lending decisions are the foundation of strong client relationships and sustainable growth. Our Commercial Credit team plays an important role in helping businesses access the financing they need while maintaining the financial strength and stability our customers and communities depend on.
As a Credit Analyst II, you'll play a key role in supporting those decisions by evaluating complex commercial credit relationships, analyzing financial performance, and providing thoughtful recommendations to our lending teams. You'll work closely with Commercial Lenders and credit leadership, applying your analytical expertise to a variety of lending opportunities while contributing to a collaborative, relationship-focused banking environment.
What You’ll Do
- Analyze commercial credit: Evaluate financial statements, cash flow, credit reports, and other financial information for new, renewed, and existing commercial loans to assess creditworthiness and repayment capacity.
- Support credit decisions: Develop financial analyses, reports, summaries, and recommendations to help Commercial Lenders and credit leadership evaluate lending opportunities.
- Prepare loan presentations: Compile comprehensive credit packages for Loan Committee consideration and assist with Board of Directors presentations and reporting as needed.
- Ensure sound underwriting: Review credit requests for compliance with established underwriting guidelines, lending policies, and applicable regulatory requirements.
- Maintain credit documentation: Review and update commercial loan files, financial statements, accounts receivable information, and other supporting documentation to ensure accuracy and completeness.
- Partner with lending teams: Provide technical guidance and analytical support to Commercial Lenders and other banking partners throughout the organization.
- Support portfolio oversight: Conduct credit inquiries, review existing relationships, and maintain required compliance tracking and reporting.
- Stay current: Maintain knowledge of commercial credit analysis practices, underwriting standards, banking regulations, and evolving industry trends.
What We’re Looking For
- Bachelor's degree in Business Administration, Finance, Accounting, or a related field required
- 5–10 years of credit analysis experience preferred, including experience evaluating complex commercial credit transactions
- Strong knowledge of commercial lending, financial statement analysis, cash flow evaluation, and credit underwriting principles
- Advanced proficiency with spreadsheets, word processing applications, and financial analysis tools
- Strong analytical, critical thinking, problem-solving, and decision-making skills
- Excellent written and verbal communication skills with the ability to present financial information and credit recommendations clearly
- Strong organizational skills, attention to detail, and commitment to accuracy in financial analysis and documentation
- Ability to manage multiple priorities, meet deadlines, and maintain sound judgment in a fast-paced environment
- Ability to work independently while collaborating effectively with Commercial Lenders, credit leadership, and other banking partners
- Ability to review detailed financial information and documentation, maintain sustained concentration, and perform computer-based analytical work for extended periods
What We Offer
- Competitive Pay & Benefits: Medical, dental, vision, and employer-paid life and disability insurance.
- Financial Perks: 401(k) match, Employee Stock Ownership Program (ESOP), and banking benefits.
- Work-Life Balance: Paid time off, including 11 Federal Reserve bank holidays.
- Growth Opportunities: Tuition assistance and professional development programs.
- A Supportive Culture: Integrity, collaboration, innovation, and respect are at the heart of what we do.
Who We Are
First Financial Bank is a dynamic financial institution with over $6+ billion in assets and a proud history dating back to 1834. With more than 75 banking centers across five states, we are committed to empowering our clients, fostering personal growth, and building community.
Joining First Financial Bank means becoming part of a legacy where your work directly contributes to the stability and growth of the communities we serve. Here, you are more than an employee; you are an essential member of a team dedicated to living out the values of "One First" every day. Be part of a bank that values your contributions and invests in your future!
Ready to Join Us?
Apply now and take the next step in your banking career! We review all applications and will respond promptly.
First Financial Bank is an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, genetic information, national origin, disability, military and/or veteran status, or any other Federal or State legally protected classes.
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Who's Hiring
Top Industries Hiring
- Banking & Financial Services
- Insurance
- Investment & Asset Management
What Employers Look For
The qualifications that appear most often in remote credit representative jobs.
- 1-3 years of experience in credit, collections, or accounts receivable
- Proficiency with credit management or collections software and ATS systems
- Working knowledge of FDCPA, FCRA, and applicable state credit regulations
- Strong verbal and written communication skills for debtor and client contact
- Associate or bachelor's degree in finance, business, or a related field
- Experience interpreting credit reports and financial statements from major bureaus
Tips for Your Remote Credit Representative Job Search
Apply early to remote roles that fit
Migrate Mate lists remote credit representative openings from across the U.S. in one place, so you can find roles that match your background and apply directly. Remote postings often fill faster than in-office ones, so applying the day a role goes live matters.
Show your remote account management setup
Remote credit employers want to know you can work without oversight. Mention the CRM platforms you use, how you organize follow-ups, and how you document account activity. Concrete tool fluency, such as Salesforce, CollectMax, or similar systems, signals readiness for remote work from the first screen.
Prove your written communication skills upfront
Remote credit teams run almost entirely on written communication. Lead with examples of professional emails, dispute letters, or account notes you have written. Strong written samples do more in a remote hiring process than verbal references to your communication style.
Target companies with fully distributed finance teams
Remote-first financial services firms and healthcare billing organizations have already invested in async workflows and remote compliance infrastructure. Applying to these employers means you are stepping into a structure built for remote credit work, not adapting an office-first environment.
Remote Credit Representative Jobs: Frequently Asked Questions
How do I get a remote credit representative job?
Start by targeting companies with distributed teams or fully remote workforces, since those employers have already built the infrastructure to support remote credit work. Remote hiring managers screen for self-direction, clear written communication, and familiarity with CRM and collections software. Demonstrating that you can manage a portfolio of accounts without in-person supervision, and that you communicate clearly over email and chat, gives you a real edge.
Which companies hire remote credit representatives?
Remote credit representative roles are posted by Deutsche Bank, Huntington Bank, and Libertas Funding and others right now, based on current remote listings on Migrate Mate as of November 2026. The employers hiring most consistently are remote-first financial services firms, distributed healthcare billing organizations, and consumer lending companies that operate accounts-receivable teams entirely online.
Can you get a remote credit representative job with no experience?
Yes, but remote entry-level roles are harder to land because employers expect you to manage accounts independently from day one, without on-site coaching. Entry paths that work include remote customer service roles at lending or billing companies, which build the communication and account management skills employers look for. Showing comfort with CRM tools and demonstrating reliable async communication can open doors when experience is thin.
Do you need a degree for remote credit representative jobs?
Not always. Many remote employers care more about demonstrated results, such as accounts collected, delinquency rates reduced, or customer satisfaction maintained, than a specific credential. That said, an associate or bachelor's degree in finance, business, or accounting can help with competitive openings. What consistently matters most is proven ability to work independently and a clear record of managing credit accounts or customer negotiations.
Which industries hire the most remote credit representatives?
Most remote credit representative openings sit in Banking & Financial Services, Insurance, and Investment & Asset Management, per current remote listings on Migrate Mate as of November 2026. These sectors hire credit representatives remotely because their accounts-receivable and collections workflows are entirely digital, making distributed teams practical and cost-effective.
See All 125+ Remote Credit Representative Jobs
Find roles that match your experience and apply in just a few clicks.
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