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$17.5K

$77.8K

$190.5K

How much do credit administration jobs pay per year?

As of Jun 27, 2026, the average yearly pay for credit administration in the United States is $77,758.00, according to ZipRecruiter salary data. Most workers in this role earn between $45,000.00 and $107,500.00 per year, depending on experience, location, and employer.

How much do credit administrators make?

Credit administrators typically earn a median annual salary of around $50,000 to $70,000, depending on experience, location, and the size of the organization. Salaries can increase with certifications, such as the Certified Credit Executive (CCE), and experience in financial analysis or risk management.

What are some common challenges faced in a Credit Administration role?

One of the main challenges in Credit Administration is managing large volumes of credit applications and ensuring compliance with both internal policies and external regulations. Professionals in this role must often balance the need for thorough risk assessment with demands for quick decision-making to support business operations. Additionally, they may handle complex documentation and interact frequently with various departments such as sales, compliance, and underwriting, requiring strong coordination skills. Overcoming these challenges successfully helps maintain the organization's credit quality while supporting its growth objectives.

What is a Credit Administration job?

A Credit Administration job involves managing and overseeing the credit approval, monitoring, and risk assessment processes within a financial institution. Responsibilities typically include ensuring compliance with credit policies, analyzing financial data, and supporting loan operations. Professionals in this role work closely with credit officers and other stakeholders to minimize risk while facilitating lending activities. Effective credit administration helps maintain a healthy loan portfolio and ensures regulatory adherence.

What do credit administrators do?

Credit administrators are responsible for managing and overseeing the credit approval process, evaluating creditworthiness, and maintaining credit records. They analyze financial data, ensure compliance with credit policies, and use tools like credit scoring systems to make informed decisions. Their work helps minimize financial risk for organizations.

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

To excel in Credit Administration, you typically need a background in finance, accounting, or business administration, combined with strong analytical and organizational skills. Familiarity with credit management software (such as FIS, Jack Henry, or Moody’s), financial analysis tools, and industry certifications like Certified Credit Professional (CCP) are often advantageous. Attention to detail, effective communication, and problem-solving abilities help professionals collaborate and manage risk efficiently. These skills are vital for ensuring accurate credit assessments, regulatory compliance, and maintaining the financial health of the organization.

What job makes $10,000 a month without a degree?

In credit administration, high-level roles such as senior credit managers or specialized financial analysts can earn around $10,000 per month, especially with extensive experience and strong skills in credit risk assessment and financial analysis. These positions often require industry certifications and a deep understanding of credit policies but may not always require a formal degree.

What is the role of a credit administrator?

A credit administrator manages and oversees the credit approval process, evaluates creditworthiness of clients, and monitors credit risk to ensure timely payments and minimize financial loss. They often use financial analysis tools and maintain detailed records to support credit decisions and compliance. Strong attention to detail and knowledge of credit policies are essential for this role.
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Credit Administration jobs near you
Infographic showing various Credit Administration job openings in the United States as of June 2026, with employment types broken down into 1% As Needed, 86% Full Time, 10% Part Time, 1% Temporary, and 2% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $77,758 per year, or $37.4 per hour.

Credit Administration Department Manager

Hawaii State Federal Credit Union

Honolulu, HI • On-site

$108K - $142K/yr

Full-time

Medical, Dental, Retirement, PTO

Posted 11 days ago

Job description

Position Summary
The Credit Administration Department Manager provides enterprise-level leadership over the credit union's credit administration and credit risk governance functions. This role is accountable for ensuring integrity, accuracy, and effectiveness of credit risk oversight across all lending portfolios, including residential mortgage, home equity, consumer, commercial real estate, business lending (including participations), and portfolio-level concentration management. The position supports the safety and soundness of the credit union by delivering disciplined credit risk monitoring, strong governance controls, and reliable reporting to senior leadership and the Board.
The role leads the enterprise credit-risk monitoring and reporting framework, credit quality control, credit policy architecture, and the Allowance for Credit Losses (ACL/CECL) program. The manager chairs or supports key credit committees and ensures strong alignment with NCUA and state regulatory expectations.
As a senior credit authority, the manager applies advanced commercial credit judgement and provides independent challenge on complex credit decisions, portfolio risk exposures, and concentration management. Success in this role requires strong partnership with business-line leaders across the first and second lines of defense, promoting a strong risk culture, transparent reporting, and effective challenge to enable prudent portfolio growth within the credit union's risk appetite and within a well-controlled, regulatory-compliant environment.
Please be aware the hiring process for this position will require in-person interviews at our HSFCU Headquarters, located in Downtown Honolulu.
Base Annual Salary Range: $108,900 - $142,905 per year
The posted range reflects the anticipated base pay for this position, with final compensation determined based on experience, skills, and internal equity.
Essential Duties & Functions
Enterprise Leadership & Management
  • Develops, implements, and ensures consistent application of credit policies, procedures, authorities, and governance.

Credit Risk Monitoring, Reporting & Analytics
  • Leads enterprise credit risk monitoring across all portfolios, ensuring early identification of emerging risks, concentrations, and quality trends.
  • Oversees preparation of credit information used in the NCUA 5300 Call Report and supports Finance with credit related information for asset quality, reserves, and financial statements.

Senior Loan Officer
  • Serves as a subject matter expert in underwriting, providing authoritative guidance and risk judgment on complex commercial, real estate, mortgage, and consumer credit transactions, ensuring consistent application of underwriting standards, risk ratings, and credit structures across all portfolios.
  • Assesses complex commercial credit structures, global cash flow, property level cash flow, lease quality, construction budgets, collateral coverage, guarantor strength, and sensitivity to interest rate and market conditions.

Credit Quality Control & Governance
  • Oversees monitoring of lending authorities across the organization; maintains approval hierarchies, authority logs, and governance processes.

Risk Models, Stress Testing & CECL
  • Owns the CECL/ACL model process, including model operation, segmentation, assumptions, scenario development, Q factor framework, documentation, and governance.

Credit Policies, Procedures & Regulatory Compliance
  • Develops, updates, and manages the credit policies, guidelines, and procedures framework ensuring alignment with NCUA, state laws, and internal controls.

Required Qualifications & Experience
  • 6-8 years of progressively responsible experience in credit administration, commercial lending, portfolio risk management, or credit risk review within a financial institution.
  • 3+ years of experience approving or reviewing commercial credit relationships.
  • Knowledge of loan policy design, underwriting standards, and credit quality control across consumer, mortgage, and commercial portfolios.
  • Advanced knowledge of commercial and CRE credit analysis, including financial statements, tax returns, global cash flow analysis, risk rating methodologies, collateral valuation, and prudent credit structuring.
  • Demonstrated ability to make independent, well-supported credit decisions on complex commercial lending relationships while balancing member needs with safety-and-soundness requirements.
  • Bachelor's degree in business or related field or equivalent experience.

Preferred Qualifications & Experience
  • Strong knowledge of lending regulations, consumer and commercial lending requirements, and real estate secured lending standards.
  • Knowledge of CECL/ACL concepts, risk modeling principles, and portfolio stress testing practices.

Overview:
Find your happy place. Hawaii State Federal Credit Union is more than a bank, and not just another credit union. We're a place where "Always Right By You" isn't just a tagline to those we serve, but a promise to our employees, who enjoy generous benefits, opportunities for career advancement and a healthy work-life balance. As an employee, you will be part of a team that values trust, encouragement, and the holistic experience of working together. HSFCU offers a dynamic and supportive work environment where employees can enjoy competitive compensation and one of the best benefits packages in the business.
Benefits:
  • Competitive Compensation: HSFCU offers competitive pay, merit increases, and incentives.
  • Health Coverage: We've got you covered: full-time employees receive 100% coverage for medical and dental premiums, plus 50% towards covering your family members. Pre-tax deductions for your Flexible Spending Plan can be added on as early as 6 months in.
  • Paid Time Off: Enjoy 13 paid holidays each year, plus Election Day and up to 2 full days off for Community Service. Your hard work is rewarded with an increase in PTO accrual with every year you're employed.
  • Retirement Savings: Contribute to a 401(k) plan with up to 10% employer contributions including a 6% match and profit sharing after your first year.
  • Transportation Subsidy: We make your daily commute stress-free. Receive 100% bus pass reimbursement or up to $100 subsidy towards parking and Pre-Tax deductions.
  • Health & Wellness: Access to wellness fairs, flu shot clinics, and on-site fitness centers.
  • Additional Benefits: Flexible spending plans, credit union discounts, life, accident, and disability insurance.
  • Growth Opportunities: HSFCU invests in employee development through in-person and online training programs, workshops, career development assistance, and tuition assistance. Employees are encouraged to further their education and unlock new opportunities.
  • Work Environment: HSFCU's modern headquarters prioritize a balance between wellness and productivity, offering a variety of amenities. The culture is inclusive, with a focus on teamwork and community, often described as an 'ohana' or family atmosphere.
  • Employee Testimonials: Employees appreciate the supportive environment where everyone's voice is heard and valued. The credit union has been recognized as one of Hawaii's best places to work for over 15 years.

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