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Credit Risk Analyst Jobs (NOW HIRING)

MyUSA Credit Union

Credit Risk Analyst

Middletown, OH · On-site

The Credit Risk Analyst assists the Lending Manager in developing strategies to increase lending activity at MyUSA. They perform credit and risk analysis to assess opportunities for increasing direct ...

IntelliPro Group Inc.

Credit Risk Analyst

Plano, TX · On-site

$37 - $51/hr

Credit Risk Analyst Duration: 06+ Months Location: Plano, TX (Hybrid) Pay Range: $37/hr - $51/hr on W2 What we're looking for: * We are looking for a detail-oriented and data-driven Credit Risk ...

IntelliPro Group Inc.

Credit Risk Analyst

Plano, TX · On-site

Credit Risk Analyst Duration: 06+ Months Location: Plano, TX (Hybrid) Pay Range: $37/hr - $51/hr on W2 What we're looking for: * We are looking for a detail-oriented and data-driven Credit Risk ...

Calpine

Credit Risk Analyst

San Diego, CA

$70K - $88K/yr

Credit Risk Analysis 65% * Performs detailed credit risk analysis, including analysis of financial data and ratios, to qualify new and existing counterparties that meet established timelines and ...

PSECU

Credit Risk Analyst

Harrisburg, PA · On-site

The Risk Analyst initiates and supports Credit Risk Management analysis and decisions using queries, reports, and visual tools. Produces and analyzes ongoing risk management reports and analyses.

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

Credit Risk Analysis 65% * Performs detailed credit risk analysis, including analysis of financial data and ratios, to qualify new and existing counterparties that meet established timelines and ...

PSECU

Credit Risk Analyst

Harrisburg, PA · On-site

The Risk Analyst initiates and supports Credit Risk Management analysis and decisions using queries, reports, and visual tools. Produces and analyzes ongoing risk management reports and analyses.

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site

The Optum Bank Credit Risk Analyst will be responsible for assessing the credit risks that arise from the Bank's lending and investing activities. The Analyst will work with broader Risk Group as ...

Credit One Bank

Credit - Risk Analyst

Las Vegas, NV · On-site

This position will focus on evaluating, analyzing, and reporting the impact and performance of Acquisition credit line strategies, as well as conducting analyses to evaluate the risk of new and ...

Credit One Bank

Credit - Risk Analyst

Las Vegas, NV

This position will focus on evaluating, analyzing, and reporting the impact and performance of Acquisition credit line strategies, as well as conducting analyses to evaluate the risk of new and ...

Credit One Bank

Credit - Risk Analyst

Las Vegas, NV

This position will focus on evaluating, analyzing, and reporting the impact and performance of Acquisition credit line strategies, as well as conducting analyses to evaluate the risk of new and ...

U.S. Bank

Credit Risk Analyst

Minneapolis, MN · On-site

Bank's Credit Risk Management area is seeking a Credit Risk Analyst to work on their Dealer Services (auto loan, auto lease, and recreational vehicle and marine craft) portfolios. Credit Risk ...

US Bank

Credit Risk Analyst

Minneapolis, MN

Bank's Credit Risk Management area is seeking a Credit Risk Analyst to work on their Dealer Services (auto loan, auto lease, and recreational vehicle and marine craft) portfolios. Credit Risk ...

Continental Finance

Credit Risk Analyst

Wilmington, DE · Hybrid

We are seeking a Data Analyst to support our Credit Risk team. Seeking a Data Analyst to support direct mail and Invitation-To-Apply (ITA) acquisition campaigns through targeting, list processing and ...

Prosper

Credit Risk Analyst

San Francisco, CA · On-site +1

$122K - $140K/yr

The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in Prosper's online marketplace. A Credit Risk Analyst at Prosper has the opportunity to utilize ...

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Credit Risk Analyst information

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$37K

$113.9K

$197.5K

How much do credit risk analyst jobs pay per year?

As of Jul 20, 2026, the average yearly pay for credit 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 some common challenges faced by Credit Risk Analysts when assessing new clients or loan applications?

Credit Risk Analysts often encounter challenges such as limited financial data, rapidly changing market conditions, and the need to balance risk with business growth objectives. They must carefully analyze incomplete or inconsistent client information while ensuring compliance with regulatory requirements. Collaborating with relationship managers and other departments is essential to gather additional insights and make informed recommendations, making strong communication and analytical skills crucial in overcoming these challenges.

What does a Credit Risk Analyst do?

A Credit Risk Analyst assesses the creditworthiness of individuals or organizations by analyzing financial data, credit reports, and economic conditions. Their main goal is to determine the likelihood that a borrower will default on their financial obligations. They use statistical models, risk assessment tools, and industry knowledge to evaluate risk and help lenders make informed lending decisions. Credit Risk Analysts often prepare reports, recommend risk mitigation strategies, and monitor existing credit portfolios for potential risks.

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

To thrive as a 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 assessment tools, statistical software (such as SAS or R), and financial modeling systems is often required, along with relevant certifications like FRM or CFA being advantageous. Attention to detail, effective communication, and sound judgment are essential soft skills for presenting findings and collaborating with stakeholders. These competencies are crucial for accurately assessing creditworthiness, minimizing financial risk, and supporting informed lending decisions.

How much does a Credit Risk Analyst make?

The average salary for a Credit Risk Analyst is approximately $70,000 to $90,000 annually, depending on experience, location, and the company's size. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher compensation, often supplemented with bonuses and benefits.

What Does a Credit Risk Analyst Do?

A credit risk analyst evaluates the creditworthiness of individuals or businesses seeking loans or credit cards. As a credit risk analyst, you must be systematic and thorough in examining each applicant’s financial information to provide a recommendation of whether or not your employer should grant credit to the applicant. Essentially, you are evaluating the risk to reward ratio of each loan applicant. Your job duties include the analysis of credit scores and credit reports, payment history, bank statements, and other financial statements. Depending on the scope of your job, you may collect this information directly from clients and inform them if the institution can approve or deny their credit or loan application.

Will a credit analyst be replaced by AI?

Credit risk analysts perform tasks such as evaluating creditworthiness and analyzing financial data, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can assist with data processing and risk modeling, human analysts are still essential for complex decision-making and nuanced assessments. The role is evolving to include managing AI outputs and maintaining oversight of automated systems.

Does credit risk pay well?

Credit risk analysts typically earn competitive salaries that vary by experience, location, and industry. Entry-level positions may start lower, but with experience and certifications like CFA or FRM, salaries can increase significantly, often reaching above the national average for financial roles.

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

AspectCredit Risk AnalystCredit Analyst
Primary FocusAssessing the risk of default on loans and credit productsEvaluating creditworthiness of individual or business applicants
Required CredentialsTypically a degree in finance, economics, or related field; certifications like CFA or credit-specific coursesSimilar credentials; often the same certifications or degrees
Work EnvironmentFinancial institutions, risk management departmentsBanks, lending institutions, credit departments
Industry UsageCommonly used in risk assessment and managementPrimarily in lending and credit evaluation

While both roles involve evaluating credit, a Credit Risk Analyst focuses on assessing the overall risk associated with credit portfolios, whereas a Credit Analyst evaluates individual credit applications. The roles often overlap in credentials and work environment, but their specific focus differs within the credit industry.

What do credit risk analysts do?

Credit risk analysts evaluate the creditworthiness of individuals or organizations to determine the likelihood of default on loans or credit agreements. They analyze financial data, credit reports, and market conditions using tools like spreadsheets and credit scoring models to assess risk and support lending decisions.
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Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in the United States as of July 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 86% Full Time, 6% Part Time, 1% Temporary, and 5% Contract. Highlights an 82% Physical, 5% Hybrid, and 13% Remote job distribution, with an average salary of $113,881 per year, or $54.8 per hour.
Credit Risk Analyst

Credit Risk Analyst

MyUSA Credit Union

Middletown, OH • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 4 days ago

Job description

Come grow with us! MyUSA Credit Union is a member-owned, over $350 million financial institution with offices in Middletown (2), Trenton, Kettering (2), Moraine, Springfield and Vandalia. Our mission is simple, we serve people, not profits and we deliver top-tier results for our members while remaining affordable, trusted, and local.
We are seeking a full-time, onsite Credit Risk Analyst at our corporate branch in Middletown, OH. The Credit Risk Analyst assists the Lending Manager in developing strategies to increase lending activity at MyUSA. They perform credit and risk analysis to assess opportunities for increasing direct lending by analyzing financial ratios, industry trends, benchmarks and practices based upon appropriate level of risk.
Responsibilities include:
  • Compiles Loss Scenario Analysis to increase and maximize lending production.
  • Explores, recommends, and implements non-credit bureau-based lending criteria and practice, including AI tools.
  • Assist Lending Manager with development of analytics to maximize ROI of lending initiatives.
  • Develops internal expertise on pre-approval criteria as a credit union core competency.
  • Develops routine reporting and analysis on industry-wide lending plans and initiatives for MyUSA.
  • Ensures compliance with Credit Union policies and procedures, as well as all State and Federal lending regulations and underwriting practices.
Qualifications include:
  • Strong organizational and analytical skills
  • Excellent verbal and written communication skills
  • Working knowledge of various lending platforms
  • Strong knowledge of financial institution lending strategies, and credit score models
  • Proficient with Microsoft Office, including Excel, and PowerPoint
  • Bachelor’s degree in business or finance related field, or equivalent through a combination of experience and training
  • Background in lending and underwriting preferred
MyUSA Credit Union is an equal opportunity employer.
Job Type: Full-time, Salary exempt
Benefits:
  • 401(k) Matching to 5%, immediately vested
  • Generous Paid Time Off plans
  • Company paid Life, AD amp;D and Disability Insurance
  • Credit Union membership
  • Health, Dental, amp; Vision insurance
  • Employee Assistance Program
  • Flexible Spending Account
  • Health Savings Account
  • Tuition assistance
  • Referral program
Physical setting:
  • Casual office environment
Schedule:
  • Day shift business hours

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