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Consumer Credit Risk Jobs in Ohio (NOW HIRING)

7 17 Credit Union

Chief Lending Officer

Warren, OH

The CLO is the executive leader responsible for the strategic direction, performance, and risk management of all lending functions at 7 17 Credit Union. This includes Consumer Lending, Mortgage ...

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All JobsConsumer Credit Risk JobsConsumer Credit Risk Jobs in Ohio

Consumer Credit Risk information

See Ohio salary details

$82.2K

$150.5K

$227.7K

How much do consumer credit risk jobs pay per year?

As of Jun 17, 2026, the average yearly pay for consumer credit risk in Ohio is $150,507.00, according to ZipRecruiter salary data. Most workers in this role earn between $126,900.00 and $168,700.00 per year, depending on experience, location, and employer.

What is the difference between Consumer Credit Risk vs Consumer Credit Analyst?

AspectConsumer Credit RiskConsumer Credit Analyst
Primary FocusAssessing and managing credit risk for consumer loansAnalyzing credit data to evaluate individual borrower creditworthiness
ResponsibilitiesDeveloping risk models, monitoring portfolio risk, setting credit policiesReviewing credit reports, making lending recommendations, conducting financial analysis
Required CredentialsOften requires a degree in finance, economics, or related fields; certifications like CFA or credit risk certifications are commonSimilar credentials; degrees in finance or economics, plus relevant certifications
Work EnvironmentRisk management departments, financial institutions, credit bureausLending institutions, banks, credit agencies

Consumer Credit Risk professionals focus on managing and mitigating risks associated with consumer lending portfolios, while Consumer Credit Analysts primarily evaluate individual credit applications to support lending decisions. Both roles require similar qualifications and often work within the same industry environments, but their core functions differ in scope and focus.

What is consumer credit risk?

Consumer credit risk refers to the likelihood that a borrower, such as an individual or household, will fail to repay a loan or meet their financial obligations. This risk is assessed by lenders using various factors, including credit history, income level, and existing debts. Professionals in consumer credit risk analyze data to make informed decisions about lending, set appropriate interest rates, and help manage potential losses. Effective management of consumer credit risk is crucial for financial institutions to maintain profitability and minimize defaults.

What are the key skills and qualifications needed to thrive as a Consumer Credit Risk Analyst, and why are they important?

To excel as a Consumer Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial principles, and typically a degree in finance, economics, or a related field. Familiarity with risk modeling tools, statistical software such as SAS or Python, and risk management frameworks like Basel II/III is highly valued, along with relevant certifications such as FRM or CFA. Attention to detail, critical thinking, and effective communication are crucial soft skills for interpreting data and conveying risk insights to stakeholders. These competencies are essential for accurately assessing creditworthiness, minimizing financial losses, and supporting sound lending decisions.

How does a Consumer Credit Risk analyst typically collaborate with other departments within a financial institution?

Consumer Credit Risk analysts frequently work cross-functionally, partnering with teams such as underwriting, collections, product development, and compliance. They provide insights on credit policy impacts, contribute to the design of new lending products, and help ensure regulatory requirements are met. This collaboration ensures that risk assessments are integrated into business decisions, promoting sound credit practices while supporting growth objectives. Regular meetings and data sharing with these departments are common to align strategies and address emerging risks.
What are popular job titles related to Consumer Credit Risk jobs in Ohio? For Consumer Credit Risk jobs in Ohio, the most frequently searched job titles are:
What job categories do people searching Consumer Credit Risk jobs in Ohio look for? The top searched job categories for Consumer Credit Risk jobs in Ohio are:
Consumer Credit Risk jobs near you
Infographic showing various Consumer Credit Risk job openings in Ohio as of June 2026, with employment types broken down into 86% Full Time, and 14% Part Time. Highlights an 66% In-person, 11% Hybrid, and 23% Remote job distribution, with an average salary of $150,507 per year, or $72.4 per hour.

Consumer Lending Underwriter II

First Baptist Church of Alamance

Cincinnati, OH • On-site

$52K - $67K/yr

Full-time

Posted yesterday

Job description

We do the right things, right now.  We do them in a way that is relevant to our clients.  Become a part of our history as it continues to be written! 
If you are interested and qualified for this role, we invite you to apply.

Primary responsibilities include underwriting and granting credit decisions for consumer loan applications originated through Retail banking centers and the Internet across multiple states, markets and regions. This position will have direct responsibility to underwrite secured and unsecured Retail Lending products (home equity lines of credit, home equity term loans) across multiple states. This position will support process improvement and business objectives. Provide superior customer service to internal and external clients. Underwriters must demonstrate proficiency adhering to consumer compliance regulations, federal, state and local laws.

Essential Functions/Responsibilities

  • Responsible for analyzing application information for Retail Lending. This position will have direct responsibility to underwrite secured and unsecured Retail Lending products (Home Equity lines of credit, Home Equity term loans, Unsecured Loans, and Direct Installment Loans) across multiple states. This position will support process improvement and business objectives. Provide superior customer service while also "Partnering and Performing" to both internal and external customers (Retail Banking Center Managers, Vendors, other internal departments, etc...) Support process improvement and contribute to achieving business objectives. Accept additional projects as identified.

  • This position will have the minimum in consumer lending authority:

    • Secured- $100,000

    • Unsecured/Credit Cards- $7,500

    • Analyze consumer credit reports of Retail Lending applications to evaluate risk and make appropriate credit decision for Retail Lending across multiple states, Markets, and geographic regions.

    • Review documents to support credit decision (verification of income, tax returns, personal financial statement, trusts and additional supporting documentation, etc...)

    • Reviews documents to underwrite within the stated Retail Lending Guidelines and applicable regulations (flood determination, property appraisals, property reports/title searches, and documents, etc...)

    • Verifies completeness and accuracy of credit applications.

    • Formulates and communicates credit decision to Retail Banking Centers for all Consumer Loan applications (either approve, decline, or counteroffer) in compliance with established underwriting guidelines, compliance, and regulatory requirements.

    • Develop business relationships and build rapport with Retail Banking Centers and other internal departments to achieve mutual goals.

    • Manage application pipeline to meet business objectives for Service Level Agreements in place.

    • Provide superior service to both internal and external customers.

    • Review credit applications and recommends decisions on applications over their assigned authority to Supervisor/Manager.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

  • 2-3 yrs

  • Equivalent business experience required

  • Minimum of 2 years consumer lending, banking, or financial services experience

  • Ability to interact with all levels of management and external customers

  • Strong attention to detail and level of follow up

  • Strong interpersonal, written, and verbal communication skills

  • Ability to manage multiple tasks and work independently in a team environment

  • Proficient with Microsoft Office programs such as Word and Excel

Preferred Knowledge and Skills

Level of Complexity and Scope

Degree of Independence and Decision-Making

Required Supervisory Responsibilities

Physical Requirements

  • Occasionally lifts and carries up to 50 lbs.

  • Frequently lifts and carries up to 10 lbs.

  • Occasionally stands and walks.

  • Frequently sits.

Compliance Statement

The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Development and Training

Pay Range

$52,000- $67,000/annually

Benefits

We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide.

Incentive Eligibility

All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.

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