ZipRecruiter

Log In

1

Credit Portfolio Risk Analyst Jobs (NOW HIRING)

HR Power 10

Credit & Risk Analyst

Louisville, KY

Credit & Risk Analyst - Real Estate Lending Position Overview MM Lending is seeking a highly ... Portfolio Risk Management & Reporting Participate in and progressively lead monthly portfolio risk ...

IDBNY

Credit Risk Analytics & Modeling

Manhattan, NY · On-site

Elevate the bank's credit portfolio stress testing framework, methodologies, and reporting to support stronger portfolio management, concentration analysis, and risk oversight. * Contribute to the ...

Flex

Portfolio Risk Analytics Lead

Banking, credit, payments, personal finance, and financial operations-rebuilt from the ground up as ... The Portfolio Risk Analytics Lead is a key member of the Flex Risk Management Leadership Team ...

Flex

Portfolio Risk Analytics Lead

Concord, NC · Remote

Banking, credit, payments, personal finance, and financial operations--rebuilt from the ground up ... The Portfolio Risk Analytics Lead is a key member of the Flex Risk Management Leadership Team ...

next page

Showing results 1-20

People also search for

All JobsCredit Portfolio Risk Analyst Jobs

Credit Portfolio Risk Analyst information

See salary details

$37K

$113.9K

$197.5K

How much do credit portfolio risk analyst jobs pay per year?

As of Jun 7, 2026, the average yearly pay for credit portfolio risk analyst in the United States is $113,881.00, according to ZipRecruiter salary data. Most workers in this role earn between $82,500.00 and $140,500.00 per year, depending on experience, location, and employer.

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

To excel as a Credit Portfolio Risk Analyst, you need strong quantitative analysis skills, knowledge of credit risk modeling, and typically a degree in finance, economics, or a related field. Familiarity with risk management systems, data analysis tools like SAS or Python, and regulatory frameworks such as Basel III is highly valued. Attention to detail, critical thinking, and effective communication are essential soft skills for interpreting data and presenting complex risk findings. These skills are crucial for accurately assessing portfolio risk, ensuring regulatory compliance, and supporting sound lending decisions.

What are the typical challenges a Credit Portfolio Risk Analyst faces when balancing risk and growth objectives?

Credit Portfolio Risk Analysts often face the challenge of balancing the institution's appetite for risk with the need to support business growth. This involves assessing credit exposures, modeling potential losses, and recommending strategies that minimize risk without overly restricting lending activities. Analysts must also stay updated with evolving regulatory requirements and adapt to changes in market conditions, which can impact portfolio performance. Strong communication and collaboration with lending teams and senior management are key to ensuring risk controls align with business goals.

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

AspectCredit Portfolio Risk AnalystCredit Risk Analyst
Primary FocusManaging and analyzing risks across a portfolio of credit assetsAssessing individual credit applications and risks
Work EnvironmentFinancial institutions, banks, asset management firmsBanks, lending institutions, credit agencies
Required CredentialsBachelor's degree in finance, economics, or related; certifications like CFA often preferredBachelor's degree in finance, economics, or related; certifications like CFA often preferred
Common UsageUsed when discussing portfolio-level risk management strategiesUsed when evaluating individual creditworthiness

The main difference is that a Credit Portfolio Risk Analyst focuses on managing risks across a collection of credit assets, while a Credit Risk Analyst evaluates the risk of individual credit applications. Both roles require similar credentials and are found in similar environments, but their scope and focus differ.

What does a Credit Portfolio Risk Analyst do?

A Credit Portfolio Risk Analyst is responsible for assessing and managing the risks associated with a bank’s or financial institution’s credit portfolio. They analyze credit data, monitor exposure to potential losses, and use quantitative models to evaluate credit risk. Their goal is to recommend strategies to reduce potential losses while maintaining profitable lending. This role often involves working closely with other risk management professionals, compliance teams, and senior management to ensure the overall health of the credit portfolio.
Infographic showing various Credit Portfolio Risk Analyst job openings in the United States as of May 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $113,881 per year, or $54.8 per hour.

Portfolio Risk Analyst

Watercress Financial Group LLC

West Des Moines, IA • On-site

Full-time

Posted 21 days ago

Job description

Description:

The consumer credit Portfolio Risk Analyst is responsible for the ongoing credit performance, risk management and delinquency monitoring of the company’s home improvement loan portfolio. This role contributes heavily to the end-to-end monitoring, analysis, and optimization of loan performance, ensuring that repayment, delinquency, cure rates, and charge-offs remain within the company’s risk appetite and financial targets.


The Portfolio Risk Analyst is a member of the analytical credit risk team focused on development, testing and implementation of new or enhanced strategies to improve future loan portfolio performance.


Watercress Financial is a home improvement lender originating across the United States. Candidates should be comfortable working in a highly entrepreneurial company where smart ideas, fast analysis, and thinking ahead are high-value personal traits.

RESPONSIBILITIES

  • Create and maintain monitoring reporting for consumer loan portfolio performance
  • Provide analysis and back-testing to minimize delinquency and charge off, while optimizing loan approval, look-to-book rates, and repayment rates.
  • Detect emerging credit risk trends in the economy, market or portfolio, and provide strategic recommendation to reduce credit risk or optimize profitability
  • Provide transparent, defensible reporting to executive leadership and risk committees
  • Create, maintain and enhance: loan loss forecasting, prepayment models, roll rate analysis, transition rate analysis.


QUALIFICATIONS

  • 4yr degree Finance, Accounting, Engineering, Actuarial, Com-Sci or other analytical field (Associates Degree with commensurate experience also considered)
  • Two or more years in a consumer lending portfolio management, FP&A, risk, data analysis/modeling or similar role
  • Confident working independently , detailed oriented
  • Strong working knowledge of: credit bureau data, consumer loan portfolio, loan repayment and delinquency behavior


KNOWLEDGE AND SKILLS

  • Experience with consumer loan capital markets, FP&A, loan securitization
  • MS Excel, Microsoft Power stack (PowerBI, PowerQuery, PowerPivot, PowerAutomate) and SQL
  • MLL, boosted/ensemble and/or chat models
Requirements: