Finance & Accounting
A credit analyst evaluates whether customers or borrowers can pay, sets credit limits and monitors risk over time. The role protects the company from bad debt while still allowing sales to move quickly.
Ways to hire
4options
contract, contract-to-hire, full-time and executive search
The role
Employers hire one when bad debt rises, when sales is approving credit without review, or when lending or trade credit volume needs formal underwriting.
Typical responsibilities
Core skills
Tools and systems
Related titles
Typical background
Usually a bachelor's degree in finance, accounting or business and two to five years of credit or lending experience.
At a glance
The essentials for planning the hire: level, background, how you can hire and what the role typically pays.
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What happens next
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Send your resume once and a finance and accounting recruiter will match you to credit analyst roles that fit your experience, pay expectations and the way you want to work. We only put you forward for roles you have said yes to, and it is always free.
FAQ
Straight answers to the questions employers and candidates ask about this role.
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A credit analyst evaluates whether customers or borrowers can pay, sets credit limits and monitors risk over time. The role protects the company from bad debt while still allowing sales to move quickly. Typical responsibilities include: review credit applications and customer financial statements; set and adjust credit limits based on risk; monitor payment history and watch for warning signs.
Look for credit risk assessment, financial statement analysis, credit scoring, underwriting, risk monitoring and trade references. Experience with Dun & Bradstreet, Experian Business, NetSuite, Excel and Credit Cube is common in this role.
Yes. Employers hire a credit analyst on contract for projects, peak periods and cover, and contract-to-hire is a good way to confirm fit before a permanent offer. For long-term needs, most choose full-time placement.
Not quite. A commercial credit analyst assesses customers who buy on terms, while a lending analyst underwrites loans for a bank or lender. Skills overlap, but the decisions, tools and risk tolerance differ, so say which one you need.
Finance should own the approval because sales is rewarded for closing deals, not for getting paid. A credit analyst can set clear rules and speed so sales still gets quick answers on standard accounts.
Related roles
Every role in the practice is recruited by the same specialist team.
