Commercial Credit Analyst Jobs in USA with Visa Sponsorship
Commercial Credit Analyst roles qualify as H-1B visa specialty occupations when backed by a finance, economics, or accounting degree. Regional banks, credit unions, and commercial lenders sponsor H-1B and TN visas for analysts who assess business loan risk, structure credit facilities, and manage portfolio compliance.
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Get Access To All JobsINTRODUCTION
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.
We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
ROLE AND RESPONSIBILITIES
This job is responsible for facilitating parts of credit underwriting and monitoring for new and existing clients. Key responsibilities include completing credit analysis, evaluating risks, and writing financial analysis using various tools and systems. Job expectations include analyzing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite. Responsible for managing credit activities to support underwriting of commercial credit clients (e.g., financial spreading, risk rating scorecard, covenant tests). Key responsibilities include analyzing ongoing credit and escalating to the credit team as appropriate.
Responsibilities:
- Analyzes financial statements and summarizes existing client's performance via periodic risk profile reviews
- Partners with credit and client teams both within Centralized and Regional Credit Lines of Business
- Manages risk through accurate financial spreading, risk rating, and covenant test calculations
- Expands expertise by reviewing policy and procedure thoroughly and actively participating in continuing education sessions
- Collaborates with peers to manage optimal workflow
- Identifies and escalates process breakdowns
BASIC QUALIFICATIONS
Required Skills:
- Credit and Risk Assessment
- Financial Analysis
- Understanding of Financial Accounting Principles
- Credit Documentation Requirements
- Critical Thinking
- Prioritization
- Attention to Detail
- Business Acumen
- Decision Making
- Written Communications
- Client Management
- Recording/Organizing Information
- Analytical Thinking
PREFERRED QUALIFICATIONS
Desired Skills:
- Financial Forecasting and Modeling
- Collateral Management
- Underwriting
- Financial Ratio Analysis
Minimum Education/Experience Requirement:
BA/BS Degree in Finance, Accounting, or Business Administration preferred or 1-3 years of relevant work experience.
This position is posted as a Commercial Credit Analyst I and can be filled as a Commercial Credit Analyst II, or III under the manager's discretion.
SHIFT:
1st shift (United States of America)
HOURS PER WEEK:
40
INTRODUCTION
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.
We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
ROLE AND RESPONSIBILITIES
This job is responsible for facilitating parts of credit underwriting and monitoring for new and existing clients. Key responsibilities include completing credit analysis, evaluating risks, and writing financial analysis using various tools and systems. Job expectations include analyzing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite. Responsible for managing credit activities to support underwriting of commercial credit clients (e.g., financial spreading, risk rating scorecard, covenant tests). Key responsibilities include analyzing ongoing credit and escalating to the credit team as appropriate.
Responsibilities:
- Analyzes financial statements and summarizes existing client's performance via periodic risk profile reviews
- Partners with credit and client teams both within Centralized and Regional Credit Lines of Business
- Manages risk through accurate financial spreading, risk rating, and covenant test calculations
- Expands expertise by reviewing policy and procedure thoroughly and actively participating in continuing education sessions
- Collaborates with peers to manage optimal workflow
- Identifies and escalates process breakdowns
BASIC QUALIFICATIONS
Required Skills:
- Credit and Risk Assessment
- Financial Analysis
- Understanding of Financial Accounting Principles
- Credit Documentation Requirements
- Critical Thinking
- Prioritization
- Attention to Detail
- Business Acumen
- Decision Making
- Written Communications
- Client Management
- Recording/Organizing Information
- Analytical Thinking
PREFERRED QUALIFICATIONS
Desired Skills:
- Financial Forecasting and Modeling
- Collateral Management
- Underwriting
- Financial Ratio Analysis
Minimum Education/Experience Requirement:
BA/BS Degree in Finance, Accounting, or Business Administration preferred or 1-3 years of relevant work experience.
This position is posted as a Commercial Credit Analyst I and can be filled as a Commercial Credit Analyst II, or III under the manager's discretion.
SHIFT:
1st shift (United States of America)
HOURS PER WEEK:
40
See all 30+ Commercial Credit Analyst Jobs
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Get Access To All JobsTips for Finding Visa Sponsorship as a Commercial Credit Analyst
Match your degree to the role
USCIS requires a direct link between your degree field and the analyst role. A finance, accounting, economics, or business administration degree satisfies specialty occupation. A general management degree without quantitative coursework often triggers a Request for Evidence.
Use OFLC Wage Search before negotiating
Your employer's LCA must certify a wage at or above the prevailing wage for your metro area. Pull the Level 1 through Level 4 figures from OFLC Wage Search so you enter salary conversations knowing the floor the DOL already set.
Target lenders outside the top-twenty banks
Regional commercial banks, credit unions, and specialty finance companies file H-1B petitions consistently but face far less internal bureaucracy than national banks. Their credit analyst teams are smaller, so your application gets evaluated by the hiring manager, not routed through three HR layers.
Find sponsors through Migrate Mate's verified listings
Search Commercial Credit Analyst roles on Migrate Mate, which shows employers with verified LCA sponsorship history. You can filter by city and role type, so you're contacting companies that have already committed to the filing process rather than cold-pitching unknown sponsors.
Get your credit credentials documented early
Many commercial lending roles expect progress toward a CFA, CPA, or Credit Risk Certification. Gather official transcripts, exam score reports, and any NACM certification records before you receive an offer. Employers often need these for the LCA job description before they can file.
Clarify PERM timing if you want a green card path
EB-2 and EB-3 PERM labor certification for analyst roles requires the employer to run a full recruitment test before DOL certifies the case. Ask during the offer stage whether the employer has completed PERM filings before, since inexperienced sponsors often underestimate the six-to-twelve-month preparation timeline.
Frequently Asked Questions
Does a Commercial Credit Analyst role qualify as an H-1B specialty occupation?
Yes, provided the position genuinely requires a bachelor's degree or higher in a directly related field such as finance, accounting, economics, or business administration. If the job description lists the degree as preferred rather than required, USCIS may issue a Request for Evidence. Strengthening the job duties to emphasize quantitative credit modeling and financial statement analysis helps support the specialty occupation argument.
Which visa types are realistic for a Commercial Credit Analyst seeking sponsorship?
H-1B is the primary path for most nationalities and covers up to six years, with green card eligibility. Australian nationals can use the E-3 visa, which has a 10,500 annual cap that has never been exhausted and renews every two years. Canadian and Mexican nationals may qualify under TN if their degree aligns with the USMCA economist or accountant categories, though TN does not allow dual intent toward permanent residence.
How do I find Commercial Credit Analyst employers who actually sponsor visas?
Browse Commercial Credit Analyst roles on Migrate Mate, where every listed employer has verified sponsorship history based on LCA filing data. This saves you from applying to companies that have no prior sponsorship track record, which is a common and costly mistake for candidates early in their U.S. job search.
Will a three-year Australian bachelor's degree satisfy USCIS degree requirements for this role?
Generally yes. USCIS accepts three-year Australian bachelor's degrees as equivalent to a U.S. four-year degree for specialty occupation purposes, particularly when the degree is in a directly relevant field like finance or economics. A credential evaluation from a NACES-member organization can formalize this equivalency and reduce the risk of an RFE on educational qualifications.
Does the type of employer matter for H-1B sponsorship approval in this field?
It matters indirectly. Banks and financial institutions classified as cap-exempt entities, such as certain nonprofits or government-affiliated lenders, can file H-1B petitions outside the annual lottery. Most commercial lenders are cap-subject, meaning you need to be selected in the annual H-1B registration. Employers who have filed LCAs for credit analyst roles in prior years are more likely to have an internal process ready, which speeds up your offer-to-filing timeline.
What is the prevailing wage requirement for sponsored Commercial Credit Analyst jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.