Top Credit Analyst Jobs in Chicago, IL

Supports CMBS credit ratings for commercial real estate transactions and entities. Responsibilities include analyzing stabilized cash flows, market data, economic indicators, financial statements, and third-party property reports; preparing rating reports and committee materials; participating in rating committees; supporting regulatory disclosures; and communicating with issuers, investors, and intermediaries.

Owns consumer credit reporting accuracy across loan and credit card products. Responsibilities include data validation, Metro 2 submissions, dispute investigations, regulatory compliance, defect root-cause analysis, corrective actions, automation, offshore team oversight, escalations, and cross-functional remediation. The role requires maintaining accurate, timely reporting to credit bureaus while meeting FCRA and other statutory deadlines.

Lead credit risk strategy for lending products by analyzing portfolio performance, identifying risk drivers, refining underwriting and pricing policies, and conducting A/B tests. Partner with Data Science to develop and monitor credit models, while building AI-enabled workflows that automate analysis and surface risk signals. Collaborate cross-functionally with Risk, Product, Engineering, Operations, and Data Science to support scalable fintech growth and compliant automated credit decisioning.

Manages credit functions for freight forwarding and contract logistics business units. Develops and implements credit policies and controls, reviews customer creditworthiness, and approves credit limits and payment terms. The role requires finance expertise, strong credit analysis experience, policy development experience, and familiarity with the logistics and freight forwarding industry.

Supports CMBS credit ratings through commercial real estate loan and property analysis, underwriting cash flows, market-data research, third-party report review, and rating report preparation. The analyst assists with rating committees, regulatory disclosures, publishing workflows, transaction tracking, issuer communications, and property site visits while following rating methodologies and compliance policies.

Supports lead analysts in evaluating CMBS, REIT, and real estate operating entity credit risk. Responsibilities include modeling stabilized cash flows, maintaining financial projections, researching market data, reviewing property reports, monitoring industry indicators, drafting rating materials, supporting rating committees and regulatory disclosures, and communicating with issuers, investors, and intermediaries. The role requires developing expertise in North American commercial real estate, structured finance, and rating methodologies while maintaining compliance with company policies.

Reviews and underwrites indirect auto loan and lease applications, evaluates credit risk using bureau data and lending ratios, negotiates loan terms, documents decisions, and processes applications through funding. Builds relationships with credit unions and dealerships, collects missing documentation, supports fraud detection, compliance, software testing, process improvements, and departmental service-level goals. Requires flexible scheduling, strong communication, analytical, customer service, and problem-solving skills.

Analyze Home Equity pricing, profitability, portfolio performance, market trends, and competitive intelligence. Develop financial models, scenario analyses, dashboards, reporting, and executive presentations to support pricing recommendations and strategic decisions. Partner with Product, Operations, Sales, Credit Risk, Marketing, Finance, and Strategy teams to implement and measure initiatives that improve profitability, competitiveness, portfolio performance, and customer outcomes.

Establish and adjust customer credit limits, conduct credit reviews, approve orders, monitor analyst performance, complete audits, meet order-release deadlines, and investigate high-risk or potentially fraudulent accounts. The role also involves handling high-volume transactions and customer calls while interpreting credit reports, financial statements, payment history, and account activity.

Reviews and underwrites indirect auto loan and lease applications, evaluates credit risk using financial criteria, negotiates loan terms, documents decisions, and processes funding packages. Builds relationships with credit union and dealership partners, follows up on missing documentation, monitors dealer performance, supports fraud detection and software implementation, and helps improve lending operations, compliance, service levels, and turnaround times.

Analyzes agricultural and agribusiness borrower finances to support lending decisions and portfolio risk management. Prepares financial spreads, cash-flow analyses, collateral evaluations, credit memorandums, renewals, modifications, and portfolio reviews. Applies knowledge of agricultural production cycles, commodity markets, seasonal cash flows, collateral structures, credit policies, risk ratings, and covenant monitoring while supporting Relationship Managers and Credit Officers.

Reviews customer orders, account histories, credit reports, and payment trends to determine credit limits. Communicates credit decisions and account inquiries by phone and email, analyzes financial data, prepares leadership reports, and evaluates potentially fraudulent or high-risk activity.

Underwrites and evaluates commercial real estate and commercial and industrial loan requests. Prepares financial analyses, cash flow models, collateral evaluations, credit reviews, loan presentations, and risk recommendations. Monitors loan portfolios and working capital draws, ensures compliance with bank policies, maintains Board reports, supports client meetings, and completes special projects. The role requires knowledge of finance, accounting, commercial lending, credit analysis, and applicable banking regulations.

Manages a commercial loan portfolio through financial statement analysis, credit underwriting, covenant and collateral evaluation, risk rating, portfolio monitoring, and client interaction. Partners with relationship managers and credit risk teams on approvals, renewals, amendments, and compliance. Prepares credit recommendations, identifies emerging risks, supports regulatory and data governance requirements, and helps develop junior team members.

Support lead analysts on CMBS and real-estate credit ratings by evaluating credit risk, building stabilized cash-flow models for multiple property types, maintaining financial spreadsheets, aggregating market data, reviewing third-party reports, contributing to rating reports and committee materials, and interacting with issuers and investors while adhering to rating methodology and regulatory requirements.

Research Analyst responsible for identifying investment opportunities in non-investment-grade credit, evaluating industry and credit trends, developing financial models, preparing credit reports and presentations, and influencing portfolio decisions. The role covers high-yield and leveraged-loan assets, requires management and industry relationship development, and involves collaboration with traders and portfolio managers.

Underwrite and monitor commercial credit portfolios, prepare credit approval memos and review materials, analyze financial statements and projections, track covenants, assign risk ratings, identify emerging risks, maintain accurate credit data, and report findings to credit leadership and relationship teams. The role also supports portfolio reviews, special projects, and occasional employee onboarding.

Underwrite prospective commercial loans, prepare credit memorandums, analyze borrower financials and collateral, complete construction draws, and monitor loan covenants and annual reviews. The role supports commercial loan portfolio management, policy refinement, regulatory compliance, reporting, and collaboration with loan officers and credit administration. It also mentors junior analysts and contributes to process improvements.

Analyze member applications and retailer loan applications, set credit limits, release blocked orders, assess financial risk, manage a multi-million-dollar account portfolio, and establish payment plans for past-due balances. The role requires financial statement analysis, underwriting, risk mitigation, negotiation, communication, and cross-functional collaboration with retailers and internal teams.

Own diligence and underwriting for institutional counterparties, recommend internal credit ratings and risk-based limits, monitor portfolio exposures, analyze asset volatility/liquidity for limit-setting, negotiate industry documentation, and collaborate with cross-functional teams to resolve complex client or product issues.

Credit Analyst Intern supports commercial banking lending decisions through financial analysis, credit risk assessment, loan structuring, portfolio monitoring, and preparation of credit summaries. The role monitors client performance, compliance, industry trends, and risk exposure while supporting proposals, presentations, service requests, relationship growth, and cross-selling opportunities. Responsibilities also include data entry, analyzing client credit information, identifying risks and opportunities, and making recommendations aligned with bank policies and regulatory standards.

Leads credit risk, pricing, underwriting, portfolio optimization, and policy strategies for Home Equity products. Analyzes credit performance, profitability, forecasting, customer behavior, collateral, and market trends to support risk-adjusted growth and capital decisions. Partners with Product, Finance, Operations, Technology, Compliance, and Credit Policy teams to implement decision rules, business requirements, controls, and process improvements. Develops monitoring tools and executive reporting, supports governance and regulatory activities, and mentors junior analysts.

The Credit Analyst II supports Portfolio Managers in credit underwriting and monitoring, performs financial analysis, and prepares risk assessments. Responsibilities include running models, verifying compliance, and reporting on portfolio health.

Underwrite and monitor commercial credit facilities through financial statement analysis, due diligence, cash flow and DCF modeling, risk assessment, and portfolio management. Prepare credit packages for executive leadership, evaluate capital structures and asset risk coverage, maintain internal risk ratings, and improve credit analysis processes. Partner with stakeholders on workflow and system initiatives, conduct company and industry analysis, and train less experienced team members.

Perform fundamental financial analysis (BS/IS/CF), underwrite and recommend credit decisions, monitor portfolio risk, produce credit reports and periodic reviews, build automated credit processes and dashboards, and collaborate with sales and AR to manage client risk and collections.