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Commercial Credit Risk Officer Jobs (NOW HIRING)

Brex

Director, Credit Risk

Salt Lake City, UT · Hybrid

$198K - $247K/yr

Lead high stakes conversations with client (CFO teams), partners, regulators and auditors Requirements * 10+ years of experience in commercial credit risk, commercial underwriting, portfolio ...

Brex

Director, Credit Risk

Seattle, WA · Hybrid

$231K - $289K/yr

Lead high stakes conversations with client (CFO teams), partners, regulators and auditors Requirements * 10+ years of experience in commercial credit risk, commercial underwriting, portfolio ...

Wintrust Financial

VP, Credit Risk Oversight

Rosemont, IL · On-site

$117K - $150K/yr

Credit Risk Oversight Specialist Wintrust provides community and commercial banking, specialty ... Effectively listen and communicate with loan officers, business unit managers, senior Wintrust ...

Brex

Director, Credit Risk

New York, NY · Hybrid

$231K - $289K/yr

Lead high stakes conversations with client (CFO teams), partners, regulators and auditors Requirements * 10+ years of experience in commercial credit risk, commercial underwriting, portfolio ...

Brex

Director, Credit Risk

San Francisco, CA · Hybrid

$231K - $289K/yr

Lead high stakes conversations with client (CFO teams), partners, regulators and auditors Requirements * 10+ years of experience in commercial credit risk, commercial underwriting, portfolio ...

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Commercial Credit Risk Officer information

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$76.5K

$134.9K

$210.5K

How much do commercial credit risk officer jobs pay per year?

As of Sep 10, 2026, the average yearly pay for commercial credit risk officer in the United States is $134,851.00, according to ZipRecruiter salary data. Most workers in this role earn between $109,000.00 and $154,000.00 per year, depending on experience, location, and employer.

What does a commercial credit risk officer do?

A Commercial Credit Risk Officer is responsible for evaluating and managing the credit risk associated with lending to businesses. They analyze financial statements, assess the creditworthiness of corporate clients, and make recommendations on loan approvals or denials. Their work helps financial institutions minimize losses due to defaults while supporting business growth. Additionally, they monitor existing loan portfolios and ensure compliance with regulatory guidelines.

What are the key skills and qualifications needed to thrive as a commercial credit risk officer?

To thrive as a Commercial Credit Risk Officer, you need strong analytical skills, financial statement analysis expertise, and a background in finance or accounting, often supported by a relevant degree. Familiarity with credit risk modeling tools, loan origination systems, and industry-standard risk assessment software is typically required, and certifications like CFA or FRM can be advantageous. Excellent communication, critical thinking, and decision-making abilities help you effectively evaluate borrowers and convey risk findings to stakeholders. These skills are crucial for accurately assessing creditworthiness, mitigating financial losses, and supporting sound lending decisions in commercial banking.

What are some common challenges faced by commercial credit risk officers when assessing loan applications from new clients?

Commercial Credit Risk Officers often encounter challenges such as limited or inconsistent financial documentation from new clients, making it difficult to accurately assess creditworthiness. Additionally, evaluating the risk of businesses in emerging or rapidly changing industries can be complex due to the lack of historical data or volatile market conditions. Officers must also navigate tight deadlines while maintaining diligence in risk analysis and ensuring compliance with regulatory standards. Close collaboration with relationship managers and other departments is essential to gather relevant information and make well-informed lending decisions.

What states have the most Commercial Credit Risk Officer jobs?

States with the most job openings for Commercial Credit Risk Officer jobs include:

What are popular job titles related to Commercial Credit Risk Officer jobs?

For Commercial Credit Risk Officer jobs, the most frequently searched job titles are:

Infographic showing various Commercial Credit Risk Officer job openings in the United States as of August 2026, with employment types broken down into 92% Full Time, 6% Part Time, and 2% Contract. Highlights an 91% Physical, 3% Hybrid, and 6% Remote job distribution, with an average salary of $134,851 per year, or $64.8 per hour.

Senior Commercial Credit Risk Review Officer

Dallas, TX • On-site

Bank OZK
Commercial Banking • 1 - 5K employees
Learn more about Bank OZKexternal

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 23 days ago

Bank OZK rating

8.2

Company rating: 8.2 out of 10

Based on 38 frontline employees who took The Breakroom Quiz

Job description

Why Bank OZK
Founded on a legacy of more than 120 years in banking, Bank OZK is much more than just a company. We're nationally recognized as an industry leader in financial services. That means we combine exceptional service with innovative technologies to deliver smart solutions to our clients across the country. We're investing in small businesses, fueling economies in local communities and changing skylines in the largest cities across America. Here, we're not simply filling roles. We're fostering even greater careers.
The foundation for a great career starts with an exceptional team and a comprehensive benefits package. We believe in providing our dedicated team members with the best resources to support their physical, mental and financial wellbeing, including generous PTO, 401(k) matching, health, dental, vision (and pet!) insurance as well as special perks and discounts. Learn more about Bank OZK benefits.
Job Purpose & Scope
Responsible for planning and leading projects that analyze loan portfolio segments and evaluates the quality of credit approval decisions with a focus on identifying the strength of loan underwriting, loan structuring, loan monitoring, risk rating accuracy, and workout and recovery plans.
Essential Job Functions
  1. Functions as a Reviewer-In-Charge (RIC).
  2. Leads pre-review discovery and planning meetings with credit risk and line management, manages the fieldwork phase, rolls up loan transaction results, identifies reportable risk issues, and presents findings and conclusions at management exit meetings.
  3. Manages a pipeline of loans that are generally the most complex and technical loan transactions.
  4. Performs continuous monitoring of assigned loan portfolios or portfolio segments.
  5. Performs quality assurance work on beginner and intermediate level credit risk reviews.
  6. Evaluates credit delivery infrastructure supporting credit decisions and ongoing portfolio management.
  7. Completes special projects and research as assigned.
  8. Embraces a culture of continuous improvement and supports the team's professional practice and quality control standards.
  9. Performs other duties as assigned.

Knowledge, Skills & Abilities
  1. Advanced knowledge of loan documentation, credit fundamentals, and financial statement analysis.
  2. Strong knowledge of commercial loan origination, underwriting, servicing, and monitoring practices and procedures.
  3. Exceptional knowledge and understanding of federal banking regulations related to lending and risk management.
  4. Knowledge of commercial lending and capital market products.
  5. Knowledge and understanding of basic principles of auditing.
  6. Ability to communicate effectively both verbally and in writing.
  7. Strong analytical and technical competencies.
  8. Ability to utilize discretion and sound judgment in decision-making.
  9. Ability to effectively analyze problematic and complex commercial real estate and commercial & industrial loan transactions.
  10. Ability to work collaboratively with others.
  11. Strong ability to influence and persuade others to achieve goals.
  12. Ability to manage multiple tasks with exacting deadlines in a fast-paced environment.
  13. Ability to maintain confidentiality.
  14. Ability to demonstrate effective organization, critical thinking, analytical, and problem-solving skills.
  15. Ability to work without supervision.
  16. Ability and desire to continuously learn.
  17. Skill in using computer and Microsoft Office, including Outlook, Excel, and Word; ability to acquire other computer skills as needed.

Basic Qualifications
  1. Bachelor's degree, or commensurate work experience, required.
  2. Minimum of seven (7) years of commercial lending work experience, required.
  3. Minimum of two (2) years of Commercial Credit Risk Review, or commensurate Bank Examiner work experience, required.
  4. Commercial Credit Officer experience, preferred.
  5. Workout & Recovery Officer (Special Assets) experience, preferred.
  6. RMA Credit Risk Certification ("CRC"), preferred.

Job Expectations
Operate customary equipment and technology used in a business environment, with or without accommodation.
Note: This description is not an exhaustive list of all job functions, duties, skills, and job standards required. Other job functions, duties, skills, and standards may be added. Management reserves the right to add or change the job requirements at any time.
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EEO Statement
Bank OZK is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC.

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