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Credit Adjudication Jobs (NOW HIRING)

Td

Risk Manager I- Credit Risk-Personal Loan

Wilmington, DE · On-site

$91K - $145K/yr

... adjudication, account management, exposure management, risk segmentation, and financial return ... Ensures sound credit control by taking a pro-active approach to risk management within the risk ...

Armada Ltd

Personnel Security Specialist

Washington, DC · On-site

... credit reports. * Experience preparing adjudicative recommendations regarding personnel suitability determinations. * Experience conducting supervisory reviews of completed adjudication reports and ...

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How much do credit adjudication jobs pay per hour?

As of Jun 15, 2026, the average hourly pay for credit adjudication in the United States is $25.46, according to ZipRecruiter salary data. Most workers in this role earn between $17.07 and $26.44 per hour, depending on experience, location, and employer.

What are some of the key challenges faced by professionals in Credit Adjudication, and how can they be managed effectively?

One of the primary challenges in Credit Adjudication is balancing the need for thorough risk assessment with the demands of timely decision-making. Adjudicators must analyze complex financial information, assess applicants' creditworthiness, and ensure compliance with regulatory requirements—all while meeting tight deadlines. Staying current with lending policies and leveraging advanced credit analysis tools can help manage workload efficiently. Additionally, effective communication and collaboration with loan officers and risk teams are essential for resolving ambiguous cases and ensuring consistent decision quality.

What is a credit risk analyst's salary?

A credit risk analyst's salary typically ranges from $50,000 to $85,000 annually, depending on experience, education, and location. Entry-level positions may start lower, while experienced analysts or those in senior roles can earn higher compensation, often supplemented with bonuses and benefits.

Is credit analysis a good career?

Credit analysis is a stable career that involves evaluating the creditworthiness of individuals or businesses, often requiring strong analytical skills and knowledge of financial statements. It can lead to roles in banking, finance, or risk management, with opportunities for advancement and certification such as the CFA. The job typically involves working in an office environment with regular hours and the use of financial software tools.

What do credit adjudicators do?

Credit adjudicators evaluate loan applications and credit requests by analyzing financial information, credit reports, and supporting documents to determine creditworthiness. They make approval or denial decisions based on established lending criteria and may use specialized software or credit scoring models as part of their assessment. Strong analytical skills and attention to detail are essential in this role.

What is the difference between Credit Adjudication vs Credit Analyst?

AspectCredit AdjudicationCredit Analyst
Required credentialsTypically a bachelor's degree in finance, accounting, or related fieldUsually a bachelor's degree in finance, economics, or business
Work environmentFinancial institutions, lending companies, banksFinancial institutions, banks, credit agencies
Employer usageDecides on loan approvals based on creditworthinessAnalyzes credit data to assess risk and inform lending decisions

While both roles involve working with credit data, Credit Adjudication focuses on making final approval or denial decisions for loans, whereas Credit Analysts evaluate creditworthiness to support those decisions. Understanding these differences helps clarify career paths and job expectations in the credit industry.

What are the key skills and qualifications needed to thrive in Credit Adjudication, and why are they important?

To excel in Credit Adjudication, you need strong analytical skills, a solid understanding of credit risk principles, and typically a degree in finance, business, or a related field. Familiarity with credit scoring systems, financial analysis software, and regulatory compliance tools is often required. Attention to detail, sound judgment, and effective communication are vital soft skills for making balanced credit decisions and conveying outcomes clearly. These competencies ensure accurate risk assessments and support responsible lending practices that protect both the financial institution and its clients.

What is credit adjudication?

Credit adjudication is the process by which a financial institution evaluates a borrower's creditworthiness and decides whether to approve or deny a loan or credit application. This process involves reviewing the applicant's financial information, credit history, and ability to repay the debt. The goal is to assess the risk involved and ensure responsible lending decisions that protect both the lender and the borrower.

What is the highest paying job in credit?

In credit-related roles, senior positions such as Credit Director or Chief Credit Officer tend to have the highest salaries, often exceeding six figures annually. These roles require extensive experience, leadership skills, and a deep understanding of credit risk management and financial analysis.
More about Credit Adjudication jobs
What states have the most Credit Adjudication jobs? States with the most job openings for Credit Adjudication jobs include:
What job categories do people searching Credit Adjudication jobs look for? The top searched job categories for Credit Adjudication jobs are:
Credit Adjudication jobs near you
Infographic showing various Credit Adjudication job openings in the United States as of June 2026, with employment types broken down into 67% Full Time, and 33% Contract. Highlights an 100% In-person job distribution, with an average salary of $52,957 per year, or $25.5 per hour.
Manager, Quality Assurance (Credit Risk)

Manager, Quality Assurance (Credit Risk)

First Technology Federal Credit Union

Hillsboro, OR • On-site

$131K - $157K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 29 days ago

Job description

Description
This role leads a critical function responsible for ensuring the organization's risk appetite is being translated appropriately and consistently. This position oversees a team of specialized analysts who conduct post-execution reviews of operational decisions to verify their soundness, provide a credible challenge to first-line activities, and manage a collaborative rebuttal process that ensures accuracy, fairness, and transparency in final reporting.
Here's what you can expect from the job and what you need to be successful:
Job Duties
  • Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Develop and execute a quality assurance review plan.
  • Supervise detailed reviews to verify compliance with policies, and quality of associated rationale.
  • Supervise the detailed review of judgmental decisions in business area.
  • Act as the primary point of escalation for disagreements, providing objective adjudication on decisions.
  • Facilitate the rebuttal process by sharing preliminary findings with key stakeholders, allowing them to challenge findings or provide missing information.
  • Synthesize findings into monthly quality reports for Senior Leadership.
  • Identify weaknesses and collaborate across teams to recommend specific updates to policies or training programs.
  • Mentor and develop a team, ensuring consistency in standards and technical proficiency across the department.

Essential Skills
  • 5+ years of experience in enterprise risk risk governance, and post-execution review
  • Minimum one-year experience as a people leader
  • Expertise in consumer credit underwriting (mortgage, auto, credit card, or personal loans) with a deep understanding of the credit lifecycle, from originations through collections and recovery
  • Knowledge of consumer-specific regulations
  • Familiarity with consumer collateral valuation methods
  • Ability to interpret consumer credit scores, roll-rates, vintage performance data, and familiarity with basic statistical concepts, such as sampling
  • Strong interpersonal skills to navigate the rebuttal process with business units while maintaining the independence of the Second Line
  • Required Education: Bachelor's degree in field relevant to role (or 4 additional years of relevant experience in lieu of a degree), advanced degree preferred.

Location: Hillsboro, OR 97124 Marlborough, MA 01752 (HYBRID)
Target Compensation: $131k - $157k annually + Annual Bonus
Benefits options include:
  • Traditional medical, dental, and vision coverage
  • Generous 401K match
  • Paid Time Off (PTO): You'll accrue up to 15 vacation days in your first year. In addition, you'll receive 40-hours of sick time, and three personal days, which will refresh annually
  • 11 paid federal holidays
  • Special employee pricing on lending products such as mortgage, auto, and personal loans (eligibility for special employee pricing is subject to standard account requirements and underwriting criteria)

What makes First Tech different? Click here to learn more!
First Tech is not currently offering Visa transfer/ sponsorship for this position
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