Retail Credit Analyst Jobs
Retail Credit Analyst jobs are open across banking, credit unions, retail lending, and consumer finance companies, from entry-level analyst to senior and lead roles, with specializations in portfolio risk, credit underwriting, and loss forecasting. Find a role that fits below and apply directly.
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Showing 5 of 680+ Retail Credit Analyst jobs
Make banking a Fifth Third better®
We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.
GENERAL FUNCTION:
The Credit Analyst is primarily responsible for completing the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a Credit Analyst drafts credit approval documents and review memos for loans and other ancillary products. The Credit Analyst is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.
The Credit Analyst is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight on increasingly complex credits. Additionally, the Credit Analyst will attend and support Portfolio Reviews as needed.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Responsible for proactively monitoring Credit Excellence and initiating collection of financial statements for upcoming renewals and periodic reviews.
- Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.
- Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models.
- Identify and determine monitoring analysis activities required.
- Verify covenants and define updates needed on ticklers.
- Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action.
- Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team to identify and resolve required edits or corrections.
- Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed.
- Prepare Criticized Period Reviews reports with oversight.
- Responsible for running projection models with assumptions provided.
- Responsible for completing underwriting process with limited oversight.
- Prepares portfolio analysis and Portfolio Review materials.
- Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports.
- Take appropriate action to resolve data, documentation, or analysis deficiencies and escalate questions to the appropriate level.
- Identify emerging risks or negative trends and escalate appropriately.
- Maintain a working knowledge of Bancorp credit policies, guidelines and procedures.
- Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.
- May assist with training and onboarding of new employees.
- May support special projects or ad hoc analysis as assigned by management.
SUPERVISORY RESPONSIBILITY:
None
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
- Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
- 2+ years of Commercial Banking experience.
- Sound Financial and risk analysis understanding, including the ability to develop financial models.
- Extensive Knowledge of banking products and services.
- Knowledge of corporate business structure and legal documents.
- General knowledge of U.S. government and regulation.
- Proficiency in internal banking applications.
- Strong verbal and written communication skills.
- Demonstrated strong problem-solving and analytical skills, with the ability to manage and prioritize multiple tasks while maintaining close attention to detail.
- Proficient in all Microsoft Office software.
Commercial Credit Analyst
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page or by consulting with your talent acquisition partner.
LOCATION: Detroit, Michigan 48226
Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
Make banking a Fifth Third better®
We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.
GENERAL FUNCTION:
The Credit Analyst is primarily responsible for completing the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a Credit Analyst drafts credit approval documents and review memos for loans and other ancillary products. The Credit Analyst is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.
The Credit Analyst is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight on increasingly complex credits. Additionally, the Credit Analyst will attend and support Portfolio Reviews as needed.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Responsible for proactively monitoring Credit Excellence and initiating collection of financial statements for upcoming renewals and periodic reviews.
- Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.
- Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models.
- Identify and determine monitoring analysis activities required.
- Verify covenants and define updates needed on ticklers.
- Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action.
- Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team to identify and resolve required edits or corrections.
- Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed.
- Prepare Criticized Period Reviews reports with oversight.
- Responsible for running projection models with assumptions provided.
- Responsible for completing underwriting process with limited oversight.
- Prepares portfolio analysis and Portfolio Review materials.
- Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports.
- Take appropriate action to resolve data, documentation, or analysis deficiencies and escalate questions to the appropriate level.
- Identify emerging risks or negative trends and escalate appropriately.
- Maintain a working knowledge of Bancorp credit policies, guidelines and procedures.
- Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.
- May assist with training and onboarding of new employees.
- May support special projects or ad hoc analysis as assigned by management.
SUPERVISORY RESPONSIBILITY:
None
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
- Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
- 2+ years of Commercial Banking experience.
- Sound Financial and risk analysis understanding, including the ability to develop financial models.
- Extensive Knowledge of banking products and services.
- Knowledge of corporate business structure and legal documents.
- General knowledge of U.S. government and regulation.
- Proficiency in internal banking applications.
- Strong verbal and written communication skills.
- Demonstrated strong problem-solving and analytical skills, with the ability to manage and prioritize multiple tasks while maintaining close attention to detail.
- Proficient in all Microsoft Office software.
Commercial Credit Analyst
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page or by consulting with your talent acquisition partner.
LOCATION: Detroit, Michigan 48226
Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
Retail Credit Analyst Jobs by Experience Level
See All 680+ Retail Credit Analyst Jobs
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Find Retail Credit Analyst JobsRetail Credit Analyst Job Market
Who's Hiring
- Western Alliance Bank21
- Fitch16
- Intuit12
- JPMorganChase11
- Fifth Third Bank11
Top Industries Hiring
- Banking & Financial Services36
- Investment & Asset Management5
- Fintech4
- News & Publishing4
- Technology & Software2
What Employers Look For
The qualifications that appear most often in 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 Retail Credit Analyst Job Search
Tailor your resume to credit metrics
Hiring managers for retail credit analyst roles scan for quantifiable outcomes. Rewrite each bullet to show delinquency rates you monitored, portfolio sizes you analyzed, or approval rate changes you influenced. Generic finance descriptions will not get you past the first screen.
Highlight your credit scoring tool experience
Retail credit analyst postings frequently specify FICO, VantageScore, or internal scorecard experience. Name the exact tools and models you have used in your resume and cover letter so your application clears keyword filters in applicant tracking systems.
Apply early to roles that fit
Migrate Mate lists retail credit analyst openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target postings by credit product type
Retail credit analyst roles differ significantly by product, whether credit cards, auto loans, buy-now-pay-later, or store credit lines. Search by product type to find openings that match your existing underwriting or portfolio experience and avoid a skills mismatch in interviews.
Prepare a case study answer on a credit decision
Interviewers for these roles almost always present a scenario involving a borderline applicant or a deteriorating portfolio segment. Prepare a structured answer using real data from your past work that walks through your analysis, the credit policy constraints you applied, and the outcome.
Negotiate by citing comparable role benchmarks
When negotiating an offer, reference Bureau of Labor Statistics data for financial analysts in your metro area alongside any recent offer data you have gathered. Anchoring to published wage data is more persuasive than a personal ask and signals analytical credibility.
Retail Credit Analyst Jobs: Frequently Asked Questions
Which companies are hiring the most retail credit analysts?
Western Alliance Bank, Fitch, and Intuit are hiring the most retail credit analysts right now, with openings concentrated in Texas, New York, and California, based on current listings on Migrate Mate as of November 2026. Demand tends to be highest at large regional banks, national retail lenders, and credit card issuers expanding their consumer portfolios.
How many retail credit analyst jobs are remote?
About 67% of retail credit analyst openings are fully remote or hybrid as of November 2026, with availability varying by employer size and credit product. Portfolio monitoring, reporting, and scorecard analysis roles tend to be the most remote-friendly, while positions tied to branch-level underwriting or direct applicant review are more likely to require on-site presence.
How do you become a retail credit analyst?
Start with a bachelor's degree in finance, economics, accounting, or a related field, then build foundational skills in credit analysis, financial statement review, and risk assessment through coursework or internships. Entry-level roles at banks or credit unions are the most common first step. From there, hands-on experience with consumer credit products, scoring models, and regulatory frameworks like the Fair Credit Reporting Act moves you toward mid-level and senior analyst positions.
Can you get a retail credit analyst job with little experience?
Yes, entry-level retail credit analyst roles exist and are regularly filled by candidates with strong academic backgrounds in finance or economics and internship experience in banking, lending, or financial analysis. Demonstrating comfort with Excel, basic credit modeling, and an understanding of consumer credit products will strengthen your application even without full-time experience. Some employers also hire into analyst rotational programs that feed directly into credit analyst tracks.
What does the retail credit analyst interview process look like?
Most retail credit analyst interviews include an initial recruiter screen focused on background and role fit, followed by one or two technical rounds that test your ability to evaluate a credit application, interpret bureau data, or assess portfolio risk using a case or take-home exercise. Final rounds typically involve a hiring manager conversation and sometimes a panel with risk or compliance stakeholders. Be prepared to walk through your analytical process out loud and defend your credit recommendations.
Where can I find and apply to retail credit analyst jobs?
You can find and apply to retail credit analyst jobs on Migrate Mate, which lists current openings from employers across the United States. Find roles that match your experience and credit product background, then apply directly to each listing from the page.
See All 680+ Retail Credit Analyst Jobs
Find roles that match your experience and apply in just a few clicks.
Find Retail Credit Analyst Jobs