Top Credit Analyst Jobs in Boston, MA

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.

Analyzes commercial real estate, commercial and industrial, and construction loan opportunities and existing relationships. Reviews financial statements, tax returns, cash flow, collateral, guarantors, and industry risk; prepares credit memorandums and recommendations; approves loans within authority; monitors portfolio performance, risk ratings, annual reviews, and early warning indicators; and partners with lending teams on credit decisions and documentation.

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.

Manage high-value and high-risk B2B customer accounts, lead complex collections outreach, resolve disputes, negotiate payment outcomes, and partner with Sales and Billing to unblock payments. Support reporting, portfolio prioritization, process improvements, automation, documentation, and internal controls. Provide guidance and escalation support as a senior team resource while maintaining strong customer relationships and protecting company cash flow.

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.

Conducts financial, industry, and credit analysis for commercial loan underwriting within the Commercial Workout Department. Evaluates borrower creditworthiness, financial condition, cash flow, collateral, risk factors, and policy compliance. Prepares approval memorandums and recommendations for lending and credit authorities, maintains credit files, monitors updated financial information, and supports loan origination and renewals. Works increasingly independently with lending teams and may participate in customer meetings requiring occasional domestic travel.

Analyzes and underwrites commercial credit requests, evaluates financial statements, cash flow, collateral, and compliance, and prepares credit analyses. Maintains and monitors loan portfolios, conducts annual reviews, identifies problem loans, performs market research, and supports relationship managers and customers. May oversee workflow or mentor junior analysts.

Supports a private credit investment team across credit underwriting, pipeline and portfolio management, borrower and origination-partner coordination, investment-theme research, and investor-facing activities. The role covers collateral-backed loans, opportunistic credit, real estate, asset-backed lending, corporate credit, and special situations. Candidates need financial modeling, analytical, communication, teamwork, and credit-investing skills. The position is based in Boston with on-site work four days per week and is expected to begin in Q1 2027.

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.

Performs credit risk monitoring, analysis, reporting, and data quality support for a bank portfolio. Uses Excel, Power BI, Python, R, and SQL to produce actionable insights, maintain reporting, investigate data inconsistencies, and support governance, audit, SOX, and regulatory requirements. Collaborates across credit risk, finance, lending, and analytics teams, assists with custom reporting and onboarding, and ensures compliance with banking policies and regulations.

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.

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.

Analyze credit risk for loss-sensitive insurance programs by producing account, prospect, and industry credit reports; make credit and collateral recommendations; collaborate with underwriting, brokers, and clients; conduct market and industry research; support process improvements and system evaluations; participate in client presentations and industry events.

Support GMOs Emerging Debt team by performing corporate credit analysis across 300+ EM names. Maintain financial models, assess sovereign linkages, conduct due diligence, produce credit write-ups and presentations, and collaborate within a small investment team to inform portfolio decisions.

Lead credit analytics for the Send Now Pay Later product: build and own valuation and vintage models, manage credit policies, monitor portfolio health and NPL trends, integrate ML scorecards, and evaluate alternative data to optimize approvals and loss performance.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, executive reporting, model integration and testing, and alternative data integration to optimize approval rates and portfolio health.

Lead credit analytics for the Send Now Pay Later product: own portfolio health reporting, NPL trends, valuation and NPV models, vintage analysis, credit policy design, monitoring, model integration and testing, and alternative data exploration to optimize approval rates and loss performance.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, portfolio surveillance, executive reporting, model integration/testing, and alternative data exploration to optimize approval rates and manage portfolio risk.