Job description template
Credit Analyst Job Description Template
A copy-ready credit analyst job description with responsibilities, qualifications, skills and pay guidance: customize it for your company in minutes.
Copy the template below, replace the bracketed fields and tailor duties to your workplace. For pay, national BLS data shows credit analysts earn a median of $83,510 ($40.15/hour); the middle 50% earn $65,210–$122,460.
Job title
Credit Analyst
Job summary
[Company name] is seeking a dependable credit analyst to join our team in [city, state]. In this role, you will analyze financial statements, review credit reports and support our team’s commitment to safety, quality and service.
Responsibilities
- Analyze financial statements
- Review credit reports
- Calculate financial ratios
- Write credit memos
- Recommend approvals or denials
- Monitor existing loans
- Assess collateral
- Follow company policies, safety procedures and applicable regulations
Required qualifications
- Bachelor's degree
- Working knowledge of financial statement analysis and ratio analysis
- Attention to detail and judgment
- [Add role-specific requirements, such as driver’s license or ability to pass a background check, if job-related]
Preferred qualifications
- CCBA
- RMA credit training
- CFA
- Experience with excel
Skills
- Cash flow analysis
- Credit memo writing
- Collateral evaluation
- Excel
- Communication
- Skepticism
Work environment and schedule
Credit analysts work in bank and corporate offices. Full-time business hours.
Pay and benefits
$[min]–$[max] per [hour/year], depending on experience. [List benefits: health insurance, paid time off, retirement plan, training and certification support.]
Equal opportunity
[Company name] is an equal opportunity employer. We consider all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status or any other characteristic protected by law, and we provide reasonable accommodations upon request.
Tips for a credit analyst job posting that attracts applicants
- Use the title candidates search for. “Credit Analyst” is the clearest; alternates include Credit Risk Analyst, Commercial Credit Analyst, Underwriting Analyst.
- Show the pay range. Postings with pay get more qualified applicants, and a growing number of states and cities require pay ranges in job postings.
- Separate must-haves from nice-to-haves. Long requirement lists discourage qualified candidates, especially career changers.
- Describe a real day. Borrow from our day in the life of a credit analyst so applicants self-select accurately.
- Mention training. Highlighting structured onboarding: such as Credit Analyst training: widens your applicant pool.
Next steps
Screen and interview with our Credit Analyst hiring guide, then onboard with the 30-60-90 day plan.