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$37K

$114K

$197.7K

How much do credit risk analyst jobs pay per year?

As of May 29, 2026, the average yearly pay for credit risk analyst in Delaware is $113,979.00, according to ZipRecruiter salary data. Most workers in this role earn between $82,600.00 and $140,600.00 per year, depending on experience, location, and employer.

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.

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.

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 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.

More about Credit Risk Analyst jobs
What are the most commonly searched types of Credit Risk Analyst jobs in Delaware? The most popular types of Credit Risk Analyst jobs in Delaware are:
What are popular job titles related to Credit Risk Analyst jobs in Delaware? For Credit Risk Analyst jobs in Delaware, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Delaware look for? The top searched job categories for Credit Risk Analyst jobs in Delaware are:
What cities in Delaware are hiring for Credit Risk Analyst jobs? Cities in Delaware with the most Credit Risk Analyst job openings:
What are popular job titles related to Credit Risk Analyst jobs in DE? For Credit Risk Analyst jobs in DE, the most frequently searched job titles are:
Credit Risk Analyst jobs near you
Risk Management - Credit Risk Middle Office Senior Associate

Risk Management - Credit Risk Middle Office Senior Associate

JPMorgan Chase & Co.

Newark, DE • On-site

Full-time

Medical, Retirement

Posted 9 days ago

JPMorgan Chase & Co. rating

8.1

Company rating: 8.1 out of 10

Based on 466 frontline employees who took The Breakroom Quiz

45th of 141 rated banks

Job description

Job Description
Join JPMorgan Chase and help keep our firm strong and resilient. As a key member of Risk Management and Compliance, you'll contribute to responsible business growth by anticipating new and emerging risks and applying your expert judgment to solve real-world challenges that affect our company, customers, and communities. Our culture emphasizes innovative thinking, challenging the status quo, and striving for excellence.
As a/an Credit Risk Operations Associate in Credit Risk Operations, you will support critical credit risk operations and help strengthen our control environment. You'll monitor and investigate limit breaches, manage exceptions, and deliver timely operational insights to stakeholders. You'll help drive process improvements, build operational excellence, and contribute to a culture of inclusion. You'll also help develop teammates through coaching and support of training routines.
Job responsibilities
  • Monitor limit usage and investigate limit breaches, escalating issues with clear documentation
  • Collect net asset value information and validate inputs for accuracy and completeness
  • Manage client and credit reference data, ensuring timely updates and data quality
  • Process rules-based fund and credit-related operational workflows in line with procedures and controls
  • Review exceptions and resolve day-to-day operational and risk matters using sound judgment
  • Identify control breaks, analyze root causes, and propose sustainable remediation actions
  • Track key performance indicators and analyze trends to improve risk control effectiveness and capacity planning
  • Communicate actionable insights to stakeholders and influence decisions through concise updates
  • Support change management by building business cases and coordinating implementation with partners
  • Mentor junior team members and support training and performance routines
  • Contribute to Diversity, Opportunity & Inclusion initiatives that strengthen an inclusive team culture

Required qualifications, capabilities, and skills
  • 3 years of experience in financial services, operations, or a closely related role
  • Demonstrated experience in people leadership, coaching, or mentoring
  • Experience supporting risk and control practices (for example, control execution, issue management, or audits)
  • Ability to monitor, investigate, and document operational issues and escalations with attention to detail
  • Comfort with metrics and key performance indicators, including trend tracking and reporting
  • Basic understanding of bank products and services and general risk disciplines
  • Strong written and verbal communication skills, with the ability to deliver clear, actionable insights
  • Proven ability to prioritize and multitask in a deadline-driven environment
  • Proficiency in Microsoft Excel, PowerPoint, and Word

Preferred qualifications, capabilities, and skills
  • Bachelor's degree
  • Experience in Operational Risk, Compliance, Audit, or another control function
  • Exposure to automation or workflow tools (for example, Alteryx, Python, or UiPath)
  • Experience supporting process improvement or change delivery across multiple stakeholders
  • Familiarity with credit risk infrastructure, limit frameworks, or client data governance

About Us
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
About the Team
Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success.
Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.

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