commercial credit analyst

Columbia Bank New Jersey

<div>
 
 
 
 
 Summary
 
 
 : The Commercial Credit Analyst I prepares commercial credit memorandums for new loan transactions, renewals, and modifications. Responsible for spreading financial statements, researching industry trends, assessing collateral, reviewing search reports, and performing debt service coverage and financial ratio calculations. This is an entry-level role that requires problem solving and investigative skills, with the opportunity to learn about the banking industry.
 
 
 
 
 
 Job Description:&nbsp;
 
 
 
 
 
 
 Credit Analysis
 
 
 
 <ul>
 
 <li>
 Spread both business and personal financial statements to perform financial analysis and repayment assessment.
 </li>
 
 <li>
 Conduct financial analysis, industry and market assessment, repayment capacity, collateral coverage, and an assessment of guarantor support on smaller CRE, C&amp;I and Construction loan transactions through the preparation of written commercial credit memorandums.
 </li>
 
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 Research and analyze third party industry and market reports. Review third party search reports including, but not limited to, UCC lien searches, personal credit reports, judgment searches, property searches.&nbsp;
 </li>
 
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 Perform annual credit file reviews as needed.
 </li>
 
 </ul>
 
 
 
 Credit and Risk Rating
 
 
 
 <ul>
 
 <li>
 Run business and personal credit scores to determine approval or decline through an automated quick decision tool.
 </li>
 
 <li>
 Support the assignment of risk ratings and document upgrade and downgrade triggers in accordance with the Bank&rsquo;s Internal Asset Review Policy
 </li>
 
 </ul>
 
 
 
 Job Knowledge and Compliance
 
 
 
 <ul>
 
 <li>
 Practice ability to independently build job knowledge and understand policies and procedures.
 </li>
 
 <li>
 Make recommendations to management for process enhancement as needed.
 </li>
 
 <li>
 Ensure commercial credit transactions are in full compliance with all internal credit policies.
 </li>
 
 </ul>
 
 
 
 Other Responsibilities
 
 
 
 <ul>
 
 <li>
 Perform other job-related duties as may be assigned.
 </li>
 
 </ul>
 
 
 
 
 Job Requirements:
 
 
 
 
 <ul>
 
 <li>
 Bachelor&rsquo;s degree in Business Administration, Accounting, Finance, or another related field required;
 </li>
 
 <li>
 Strong aptitude for figures and accuracy;
 </li>
 
 <li>
 Proven problem solving, decision making, underwriting and analytical skills;
 </li>
 
 <li>
 Ability to work independently, effectively, and efficiently under time constraints;
 </li>
 
 <li>
 Ability to prioritize and manage multiple assignments with good organizational and time management skills;
 </li>
 
 <li>
 Excellent written and verbal communication skills;
 </li>
 
 <li>
 Demonstrated proficiency with computer software including MS Office applications and other specialized credit analysis and lending software.
 </li>
 
 </ul>
 
 
 
 
 Columbia Bank offers the following benefits:
 
 
 
 
 <ul>
 
 <li>
 Medical, Dental, Vision and Rx which are contributory.
 </li>
 
 <li>
 Bonus programs.
 </li>
 
 <li>
 Employee Stock Option Program (ESOP).
 </li>
 
 <li>
 Life Insurance, Long Term Disability and Accidental Death and Dismemberment (LTD&amp;AD&amp;D).
 </li>
 
 <li>
 Paid Time Off (PTO) which includes Personal and Vacation Time.
 </li>
 
 <li>
 Paid Sick Time.
 </li>
 
 <li>
 Bank Holidays.
 </li>
 
 <li>
 Employees may participate in the 401k program.
 </li>
 
 </ul>
 
 
 
 
 Schedule:
 
 
 
 
 <ul>
 
 <li>
 This role is eligible for a hybrid schedule: 3 days in the office and 2 days work from home, based on business needs. This arrangement may change without notice.
 </li>
 
 </ul>
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.
 
 
</div>

Commercial Credit Analyst I

TexasBank

<div>SUMMARY:
The Intern participates in a structured 10-week internship program designed to provide comprehensive exposure to banking operations and department-specific functions. The program consists of four weeks of foundational training in banking operations, followed by six weeks of focused experience within a designated department. Through hands-on involvement, cross-training, and guided learning, the intern will develop practical knowledge of community banking, banking processes, compliance standards, technology in banking, and organizational operations. This position will be onsite in our Fort Worth - Hulen location from June 1st to August 7th, 2026.
PROGRAM STRUCTURE
Weeks 1&ndash;4: Banking Operations Rotation 
During the first four weeks, the intern will gain foundational exposure to branch and call center operations. Responsibilities may include assisting with teller transactions, supporting the information counter, observing new account setup procedures, learning basic lending processes, understanding supervisory functions, and responding to incoming department calls. The intern will also complete assigned training modules and case studies while developing an understanding of TexasBank policies, procedures, and applicable regulations.
Weeks 5&ndash;10: Credit Department
During the final six weeks, the intern will transition to the Credit Department. The Credit Analyst Intern supports the Commercial Credit team by assisting with financial spreading, data gathering, research, and credit memorandum preparation for commercial loan and annual review requests. This internship is designed to provide hands on exposure to commercial underwriting, credit policy, portfolio monitoring, and other operational areas of the bank. 
 
JOB DUTIES AND ESSENTIAL FUNCTIONS:
<ul><li>Assist personnel with operational activities and assigned projects.</li><li>
Complete required training modules and case studies within established timelines.</li><li>
Participate in cross-training and gain hands-on experience in multiple banking functions.</li><li>
Develop an understanding of compliance standards by adhering to TexasBank policies, procedures, and applicable regulations.</li><li>
Prepare and submit reports as assigned by a supervisor or management.</li><li>
Perform additional duties and special projects to support organizational objectives and operational efficiency.</li><li>
Assist with spreading borrower and guarantor financial statement and tac returns into Bank templates and/or spreading tools.
</li><li>Support Credit Analysts by compiling information and completing tasks needed for credit requests and annual reviews (financials, entity docs, schedules, etc.).</li><li>
Prepares draft sections of credit memorandums (borrower overview, industry summary, financial highlights) for analyst review and refinement.</li><li>
Assists with basic cash flow, ratio, and trend analysis; flags missing or inconsistent information for follow-up.</li><li>
Research borrower, guarantor, and industry information using public &amp; private sources and summarizes relevant findings for the credit file.</li><li>
Shadows Loan Officers and Credit staff on customer calls and site visits as requested/needed</li><li>
Supports covenant tracking by gathering statements and calculating simple covenant tests.</li><li>
Learns and applies Bank credit policy and regulatory concepts relevant to commercial lending under close supervision</li><li>
Assists more expereinced Credit Analysts in interpreting and compiling data from appraisals</li><li>
Supports Credit Analysts in filling out a complex underwriting template within Excel, with oversight</li><li>
Protects confidential customer information and follows all information security and privacy procedures</li><li>
Maintains excellent customer service to internal customers and external customers</li><li>
Performs other duties and special projects as assigned.
</li></ul>WORKING CONDITIONS<ul><li>
Work is performed in an air-conditioned office environment.</li><li>
Consistent and timely attendance is required to support operational needs and service standards.</li></ul>
PHYSICIAL DEMANDS<ul><li>
Ability to sit for extended periods.</li><li>
Ability to walk, stand, bend, squat, twist, and reach.</li><li>
Ability to perform simple grasping and fine manipulation.</li><li>
Ability to perform extended keyboarding.</li></ul>
MINIMUM REQUIREMENTS
Actively enrolled in a bachelor&rsquo;s degree program in business, finance, banking, or a related field, with junior or senior standing anticipated in the upcoming academic term. 
Minimum cumulative GPA of 3.0. 
Eligibility to work in the United States. 
Strong communication and interpersonal skills. 
Effective organizational and time management skills. 
Demonstrated eagerness to learn in a professional environment. 
Strong attention to detail and ability to follow policies, procedures, and regulatory standards. 
Proficiency in Microsoft Word, Excel, and Outlook, with the ability to learn banking systems.
PREFERRED QUALIFICATIONS
Interest in banking compliance, policies, and regulatory standards. 
Willingness to participate in cross-training and assume responsibilities across multiple departments.
Disclaimer: This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.
We are an Equal Opportunity Employer
<div>TexasBank is committed to providing equal employment opportunities regardless of race, creed, color, religion, alienage or national origin, ancestry, citizenship status, age, disability or handicap, sex, marital status, veteran status, sexual orientation, genetic information, arrest record, or any other characteristic protected by applicable federal, state or local laws. This policy applies to all terms and conditions of employment, including, but not limited to, recruiting, hiring, placement, promotion, compensation, benefits, training, disciplinary actions, layoff, recall, transfer, leaves of absence, and termination. Employees with questions or concerns about any type of discrimination in the workplace are encouraged to bring these issues to the attention of Human Resources.</div></div><div></div>

Intern - Credit Analyst

BankByChoice

Credit Analyst &ndash; SME Business Loans (Fintech)Job Type: Full-time Industry: FintechJob OverviewWe are seeking a Credit Analyst to evaluate SME business loan applications and perform underwriting within a fintech lending environment. The role involves assessing credit risk, analyzing financial data, and making approval or decline decisions in line with company credit policies.Key Responsibilities<ul><li>Review SME loan applications</li><li>Perform credit analysis and underwriting</li><li>Analyze financial statements and bank statements</li><li>Assess credit risk and repayment capacity</li><li>Approve or decline loan applications</li><li>Prepare credit notes and maintain documentation</li><li>Ensure compliance with internal credit policies</li><li>Coordinate with sales and operations teams</li></ul>Qualifications<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Business, or Economics</li><li>2&ndash;5 years experience in credit analysis or SME lending</li><li>Knowledge of financial statement analysis</li><li>Strong analytical and decision-making skills</li><li>Proficiency in Excel and financial tools</li></ul>What We Offer<ul><li>Competitive salary</li><li>Performance-based incentives</li><li>Opportunity to work in a fast-growing fintech company</li><li>Exposure to SME lending and fintech credit underwriting</li><li>Paid annual leave and company benefits</li></ul>Job Types: Full-time, PermanentWork Location: In person

Credit Analyst – SME Business Loans (Fintech)

Xoto Proptech Real Estate LLC.

Credit Analyst &ndash; Mortgage TeamDepartment: Mortgage Advisory / FinanceLocation: Dubai, Business BayCompany: Xoto Proptech Real Estate LLC.About Xoto:Xoto Proptech Real Estate LLC is a modern, technology-driven real estate advisory firm based in Dubai that focuses on helping clients make smarter property investment decisions. The company offers end-to-end real estate solutions including property buying, selling, leasing, and mortgage advisory, ensuring a seamless experience for investors, homeowners, and businesses.Job OverviewWe are seeking a detail-oriented Credit Analyst to join our Mortgage Team. The candidate will be responsible for evaluating clients&rsquo; financial profiles, assessing creditworthiness, and supporting mortgage application processes with banks and financial institutions. The role requires strong analytical skills, knowledge of mortgage lending criteria, and the ability to work closely with clients, banks, and internal teams to ensure smooth loan approvals.Key Responsibilities<ul><li>Review and analyze clients&rsquo; financial documents including salary certificates, bank statements, credit reports, and liabilities.</li><li>Assess the creditworthiness and repayment capacity of mortgage applicants.</li><li>Prepare and submit mortgage applications to partner banks and financial institutions.</li><li>Ensure all documentation complies with bank policies and regulatory requirements.</li><li>Coordinate with banks, relationship managers, and clients throughout the mortgage approval process.</li><li>Provide recommendations on suitable mortgage products based on the client&rsquo;s financial profile.</li><li>Track mortgage applications and follow up with banks for approvals and updates.</li><li>Maintain accurate records of all applications and client financial data.</li><li>Assist the sales team by providing financial feasibility assessments for potential buyers.</li><li>Stay updated with mortgage regulations, bank policies, interest rates, and lending criteria.</li></ul>Requirements<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Business Administration, or related field.</li><li>2&ndash;4 years of experience in mortgage processing, credit analysis, or banking.</li><li>Knowledge of UAE mortgage regulations and bank lending policies is preferred.</li><li>Strong understanding of financial statements and credit risk assessment.</li><li>Proficiency in Microsoft Excel and financial analysis tools.</li></ul>Key Skills<ul><li>Credit risk analysis</li><li>Mortgage processing</li><li>Financial assessment</li><li>Attention to detail</li><li>Strong communication and coordination skills</li><li>Problem-solving and analytical thinking</li></ul>Preferred Experience<ul><li>Experience working with UAE banks or mortgage advisory firms.</li><li>Familiarity with UAE Central Bank mortgage regulations.</li><li>Experience coordinating mortgage approvals for real estate transactions.</li></ul>pls send resume to biz@xoto.ae with subject as Credit AnalystJob Type: Full-timePay: AED3,000.00 - AED4,000.00 per monthJob Types: Full-time, PermanentWork Location: In personWhy Join XOTO<ul><li>Be part of a category-defining PropTech platform</li><li>Opportunity to build and scale mortgage operations from the ground up</li><li>High ownership role with direct impact on business growth</li><li>Work at the intersection of real estate, finance, and technology</li></ul>Job Types: Full-time, PermanentPay: AED2,500.00 - AED4,000.00 per monthWork Location: In person

Credit Analyst -Mortgage Operations

Zions Bancorporation

Zions Bancorporation’s Capital Markets Analyst Program positions are not eligible for employment visa sponsorship (e.g., H-1B visa). This includes, for example, situations where a candidate may have temporary work authorization while enrolled in school or upon graduation (e.g., CPT, OPT) but would need H-1B visa sponsorship within a few years of employment in order to maintain employment eligibility.
 
Zions Bancorporation (NASDAQ: ZION) is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and having a top banking team on its list of “The Most Powerful Women in Banking.”
 
Our customers consistently vote us as the best bank in our local markets. We value our employees, and we are committed to identifying, recognizing, and creating fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
 
Zions Capital Markets
 
Zions Capital Markets (“ZCM”) operates as a division of Zions Bancorporation and is comprised five product areas that operate as a unified, national platform with deep regional expertise. Our teams collaborate to deliver targeted, client-driven solutions to help companies raise capital and execute strategic transactions efficiently and effectively.
 
Debt Capital Markets: Delivers customized financing solutions through the structuring, arrangement and execution of multi-bank credit facilities, as well as the underwriting and execution of debt securities offerings.
 Investment Banking: Partners with business owners to provide tailored advisory services across M&A (sell-side and buy-side), capital raising, and strategic advisory mandates
 Power & Project Finance: Comprehensive corporate and structured financing solutions for power generating assets and related infrastructure
 Real Estate Capital Markets: Specializes in non-recourse financing solutions for commercial properties across the United States
 Sales & Trading: Offers a wide range of investment and risk management solutions to help meet the needs of our institutional clients
 
Our approach is simple - help companies we know well connect with and tell their story to investors and capital providers we also know well.
 
Investment banking and securities underwriting activities are offered through Zions Direct, Inc., member FINRA / SIPC.
 
For more information, please see our website at www.zionscapitalmarkets.com.
 
Full-Time Debt Capital Markets Analyst Program: 
The ZCM 2-year Capital Markets Analyst Program offers a unique entrepreneurial experience to join a rapidly growing platform. The program offers the opportunity to maximize Analysts’ potential during their early professional years by providing the foundational knowledge, skills, and hands-on transaction experiences that will last a professional lifetime.
 
As a Debt Capital Markets Analyst, you will support senior members of the Loan Syndications team in the origination, structuring, pricing, marketing, and execution of syndicated (multi-bank) credit facilities. Analysts play a critical role in transaction execution and gain broad exposure to credit markets and lender behavior.
 
Key Responsibilities Include: 
Maintaining and updating market comparables for syndicated loan transactions.
 Performing financial and credit analysis, including cash flow modeling, credit metrics, covenant analysis and capital structure review.
 Preparing transaction and marketing materials such as pitch books, lender presentations and term sheets.
 Coordinating with internal and external partners, including relationship managers, legal and operations team, to support transaction execution, closing and post-closing administration.
 Supporting the distribution process, including lender outreach, tracking investor feedback and monitoring syndication progress.
 
Throughout the program, Analysts gain exposure to market trends, loan documentation, lender engagement and transaction execution, while developing strong analytical, communication and project-management skills in a fast-paced, collaborative environment.
 
Zions Capital Markets is looking for candidates who have: 
Completed BA/BS degree in Business or Finance, with a scheduled graduation prior to the annual June 1 st start date.
 Overall GPA of 3.0 or above, 3.5 preferred.
 Strong interest in finance and capital markets.
 High degree of academic and extracurricular achievement.
 Proven analytical ability, critical thinking, and attention to detail.
 Solid leadership and interpersonal skills.
 Superior written and oral communication skills.
 Ability to work well in a fast-paced, team-oriented environment.
 Comfortability working with peers at all levels, ranging from fellow analysts through Managing Directors.
 Willingness to commit substantial time and energy to the program.
 
Benefits: 
Medical, Dental and Vision Insurance - START DAY ONE!
 Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
 Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
 Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
 Mental health benefits including coaching and therapy sessions
 
This position is eligible to earn a base salary of $90,000/annually.

Capital Markets Analyst Program, Debt Capital Markets

Mission Bank

<div>Job Description: 
We are seeking a Credit Analyst Intern to join our Ventura Business Banking Center for the summer! The Credit Analyst Intern will support with ongoing portfolio management duties which include: Covenant tracking and testing, spreading financials and building product packages in nCino.
Essential Responsibilities, include but are not limited to the following:
<ul><li>Pull past due covenant reports to send to Relationship Managers.</li><li>
Spreading financial statements.</li><li>
Test and push covenants, and complete waiver forms if applicable.</li><li>
Building product packages in nCino for renewals and modifications.</li><li>
Pull past due and maturing loan reports in preparation for pipeline meetings.</li><li>
All other duties as assigned.</li></ul> 

Experience and Skills:<ul><li>
Must be an active college student in Sophomore, Junior, or Senior standing</li><li>
Major in Finance, Accounting, Economics, or Business Administration is a plus</li><li>
Proficiency in Microsoft Excel and Word</li><li>
Possess strong written/verbal communication skills as well as excellent organizational/time management skills</li><li>
Project a businesslike professionalism</li></ul>
Target hourly rate: $20 
Mission Bank is an Equal Opportunity Employer and with opportunities for advancement. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, age, protected veteran status, or other protected categories.
EEO is the law - Click here for more information.
Pay Transparency Non-Discrimination - Click here for more information. 
 
 
 
From: Mission Bank</div>

Credit Analyst Intern

The Home Depot

<div>Position Purpose:
Trade Credit Analyst serves as a strategic and innovative partner focused on supporting business growth as part of a world-class controllership organization.
The Trade Credit Analyst is responsible for the day-to-day activities for Order to Cash (OTC) specifically related to our Trade Credit business. This role partners with internal teams and external business partners such as our customers and the Credit and Pro teams to help resolve discrepancies, solve problems, and constantly improve the accounting trade credit processes. This role needs foundational accounting skills in accounts receivable, cash, revenue, and reporting.
As an Analyst, you will work on task-based activities, including but not limited to cash application, invoice adjustments and refunds, reconciliations, and other month-end tasks within SAP, Blackline, and other third party applications. Additional responsibilities include supporting departmental and strategic projects, collaborating with project/product managers, and balancing your own workload. This role is expected to present continuous improvement recommendations to managers and leaders as well as execute on some of these improvements. 
Key Responsibilities:<ul><li>
5% Collaboration - Effectively develops trust and collaboration with internal and external partners and colleagues; Obtain an understanding of technical needs for tackling business problems</li><li>
80% Operational Duties - Learn and execute required tasks related to the delivery of the (PTP, OTC, RTR) tower; Work coordinately with other teams providing or receiving information as needed; Support work that needs to be done with internal or external customers; Creates regular reports for the leadership; assists with or produces other reports as requested; Raises risks and issues in a timely manner; Identify and presents possible improvements to upper management; Executes month end / year end processes; Monitor and works towards meeting KPIs and SLAs defined for the area; Assists FBS manager with gathering data, research and analysis</li><li>
10% Project Management &amp; Team Support - Works with project teams and business partners to complete project goals; Prioritized assignments and ensure quality and accuracy of work</li><li>
5% Skill Building &amp; Professional Development - Seeks further knowledge on new tools and technologies (e.g., analytics, intelligent automation, robotics); Participates in the continuous improvement of financial shared services processes and tools</li></ul> 
Direct Manager/Direct Reports:<ul><li>
This Position typically reports to Lead Analyst, Manager or Sr Manager</li><li>
This Position has 0 Direct Reports</li></ul> 
Travel Requirements:<ul><li>
Typically requires overnight travel less than 10% of the time.</li></ul> 
Physical Requirements:<ul><li>
Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions there may be a need to move or lift light articles.</li></ul> 
Working Conditions:<ul><li>
Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.</li></ul> 
Minimum Qualifications:<ul><li>
Must be eighteen years of age or older.</li><li>
Must be legally permitted to work in the United States.</li><li>
0-2 years of relevant work experience</li><li>
The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree</li><li>
Excellent written and verbal communication skills</li></ul> 
Preferred Qualifications:<ul><li>
Proficient in Microsoft Office Suite (particularly Excel)</li><li>
Experience with SAP, Blackline, or other accounting software programs</li><li>
Understanding of Cash, Accounts Receivable, Revenue, and other Generally Accepted Accounting Principles and Generally Accepted Auditing Standards</li><li>
Order to Cash experience, including account reconciliation preparation and payment application processing</li><li>
Ability to work independently and complete work on schedule within a fast-paced environment</li><li>
Ability to collaborate as part of a team to complete operational tasks and projects as assigned</li><li>
Ability to anticipate work needs and interact professionally with customers</li><li>
Excellent organizational skills and attention to detail</li><li>
Strong analytical, problem solving, and research skills</li><li>
Ability to prepare and present clear, concise administrative, and financial reports</li></ul> 
Minimum Education:<ul><li>
The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.</li></ul> 
Minimum Years of Work Experience:<ul><li>
1</li></ul> 
Competencies:<ul><li>
Action Oriented</li><li>
Nimble Learning</li><li>
Self-Development</li><li>
Collaborates</li><li>
Cultivates Innovation</li><li>
Instills Trust</li><li>
Communicates Effectively</li><li>
Customer Focus</li><li>
Drives Results</li></ul></div>

Analyst, Trade Credit Accounting

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