Remote Retail Credit Analyst Jobs
Remote retail credit analyst jobs are open across the U.S. in banking, consumer lending, and financial services, at remote-first lenders, credit unions, and fintech companies hiring distributed teams from entry-level analysts to senior credit risk specialists. 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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Showing 5 of 29+ Remote Retail Credit Analyst 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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Find JobsRemote Retail Credit Analyst Job Market
Who's Hiring
What Employers Look For
The qualifications that appear most often in remote retail credit analyst jobs.
- Bachelor's degree in finance, accounting, economics, or a related quantitative field
- Experience analyzing consumer or retail credit applications and assessing creditworthiness
- Proficiency in Excel and financial modeling, including credit risk and loss forecasting
- Familiarity with credit bureau data, FICO scoring models, and underwriting guidelines
- Knowledge of regulatory compliance requirements including Fair Credit Reporting Act standards
- Strong written and verbal communication skills for presenting credit recommendations to stakeholders
Tips for Your Remote Retail Credit Analyst Job Search
Apply early to remote roles that fit
Migrate Mate lists remote retail credit analyst openings from across the U.S. in one place. Check it regularly, since remote roles at distributed lenders and fintech companies often fill fast, and applying early puts you ahead of candidates who find the same posting days later.
Show async credit review skills upfront
Remote retail credit analyst employers look for candidates who can document decisions clearly without real-time back-and-forth. Include writing samples, credit memos, or risk summaries in your application to prove you can communicate complex credit judgments in writing, not just verbally.
Build fluency in remote lending platforms
Remote retail credit analyst roles at online lenders and fintech companies rely on platforms like nCino, Salesforce Financial Services Cloud, or similar loan origination systems. Listing hands-on experience with these tools in your resume signals you can contribute without an in-office onboarding ramp.
Target remote-first lenders and fintech firms
Companies built around distributed teams hire retail credit analysts remotely far more consistently than traditional banks with hybrid or in-office models. Focus your search on online consumer lenders, credit-focused fintechs, and remote-first credit unions where distributed underwriting teams are the norm.
Remote Retail Credit Analyst Jobs: Frequently Asked Questions
How do I get a remote retail credit analyst job?
Target fintech companies, online lenders, and credit unions that operate distributed teams, since those employers are most likely to post remote retail credit analyst roles. Remote hiring managers screen for self-direction and clear written communication, so your application materials need to show you can manage credit reviews and document decisions without in-person oversight. Proficiency in credit analysis software, financial modeling, and loan origination systems gives you a real edge.
Which companies hire remote retail credit analysts?
Companies hiring remote retail 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 openings for this role tend to come from fintech lenders, online banks, and consumer finance companies that run fully distributed credit and underwriting teams.
Can you get a remote retail credit analyst job with no experience?
Yes, but remote entry-level retail credit analyst roles are harder to land because employers expect you to work independently from day one with minimal supervision. Online lenders and fintech startups are the most likely to hire entry-level candidates remotely. You can open the door by completing a credit analysis course, building a sample credit memo or risk assessment, and demonstrating strong written communication skills that show you can collaborate asynchronously.
Do you need a degree for remote retail credit analyst jobs?
Not always. Many remote employers prefer a bachelor's degree in finance, accounting, or economics, but remote-first lenders and fintech companies increasingly weigh demonstrated skills alongside formal education. A portfolio showing real credit analysis work, familiarity with loan origination platforms, and verifiable results from past roles or coursework can carry significant weight when competing for remote positions.
See All 29 Remote Retail Credit Analyst Jobs
Find roles that match your experience and apply in just a few clicks.
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