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Credit Portfolio Risk Analyst information

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$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.
Credit Portfolio Manager III

Credit Portfolio Manager III

Atlantic Union Bank

Richmond, VA • On-site

$52.02 - $86.80/hr

Full-time

Posted 11 days ago

Atlantic Union Bank rating

7.2

Company rating: 7.2 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

96th of 141 rated banks

Job description

Responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank's legal lending limit. Partners with Relationship Managers, Credit Portfolio Managers, and the Credit Portfolio Management Team Leader in delivering credit solutions through: underwriting, portfolio management, deal team management, and extensive internal and external client interaction. Credit Portfolio Manager III is expected to be a subject matter expert (SME) in the respective portfolio and adheres to all regulatory and compliance guidelines.
Position Accountabilities
  • Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio. The position will be assigned to some of the more complex credits and larger portfolios within the Wholesale Bank.
  • Provide in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables.
  • Prepare detailed short or long-term financial projections within a vendor provided solution such as Moody's Risk Analyst or within an Excel spreadsheet.
  • Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
  • Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, ensuring timely compliance with all covenants, identifying issues and following through for remediation, and assisting with compliance and regulatory reviews.
  • Participate or lead client calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements
  • Participate in special projects to aid with the continuous improvement of portfolio management.
  • Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares' BSA/AML Policy and Procedures.
  • Prioritize new deal, renewal, and portfolio management requirements and coordinate as appropriate with clients and prospects, Relationship Managers, Credit Risk, Treasury Management, and other internal and external stakeholders.
  • This senior position may mentor CPMs I and II, as appropriate.

Organizational Relationship
This position reports to the Team Leader - Credit Portfolio Management.
Position Qualifications
Education & Experience
  • Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment

Knowledge & Skills
  • Experience across multiple lines of business, including but not limited to Commercial & Industrial, real estate development and builder lines, service, retail, commercial real estate, religious organizations and government. If supporting commercial real estate lenders, requisite skills would also include construction loan underwriting and administration (construction budgets, sources/uses, construction draw administration, property entitlement, lease analysis and property valuation principles).
  • Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations.
  • Advanced written and analytical skills to encompass an ability to analyze balance sheet structure, and income and cash flow trends.
  • Consistently demonstrates ability to make complex decisions and sound business judgments regarding business and lending activities
  • Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real estate companies (as applicable).
  • Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody's or other software package.
  • Excellent written, oral and interpersonal skills, to include selling, structuring, negotiating, closing, maintenance, modifications and problem resolution
  • PC proficiency with Word and Excel, including the use of system and user generated formulas, macros, charts, and tables.
  • Ability to research industry sources needed for credit evaluations.
  • Strong organization skills with the ability to self-manage time and work flow to meet deadlines.
  • Ability to manage multiple projects at one time.
  • Ability to work independently as well as within a team environment

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.
We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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