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Credit Risk Analyst Jobs in Florida (NOW HIRING)

USAA

Senior Analyst, Credit Risk Strategy

Tampa, FL · On-site

Credit Risk Analyst Seniors use quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize ...

USAA

Lead Analyst, Credit Risk Strategy

Tampa, FL

The Opportunity As a dedicated Bank Credit Risk Analyst Lead, you will have a strong background in credit risk strategy development forcard, consumer and deposits credit portfoliosto optimize ...

Papco

Senior Analyst, Credit & Risk

Miami, FL · On-site +1

Senior Analyst, Credit & Risk About the Role World Fuel is seeking a Senior Analyst, Credit & Risk to support credit underwriting, risk management, and workingcapital protection across our North ...

BofA Securities

Credit Risk Manager

Jacksonville, FL · On-site

Conducts analysis, inspects and/or develops credit risk reporting for specific products, and monitors and reports on key indicators for changes in credit quality to communicate to senior management

Amerantbank

Credit Risk Metrics Specialist

Miramar, FL · On-site

Prepares Credit Risk SEC, US-GAPP, OCC and other credit risk financial reporting, development of ... Strong quantitative, analytical, and problem-solving skills, with the ability to interpret data ...

Amerantbank

Credit Risk Metrics Specialist

Tampa, FL · On-site

Prepares Credit Risk SEC, US-GAPP, OCC and other credit risk financial reporting, development of ... Strong quantitative, analytical, and problem-solving skills, with the ability to interpret data ...

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Credit Risk Analyst information

See Florida salary details

$27.6K

$85.1K

$147.6K

How much do credit risk analyst jobs pay per year?

As of Sep 9, 2026, the average yearly pay for credit risk analyst in Florida is $85,102.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,700.00 and $105,000.00 per year, depending on experience, location, and employer.

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 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.

How much does a credit risk analyst earn?

The average salary for a credit risk analyst typically ranges from $60,000 to $90,000 annually, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications can earn higher salaries and bonuses.

Is a credit risk analyst entry level?

A credit risk analyst can be an entry-level position, often requiring a bachelor's degree in finance, economics, or related fields. Some roles may require prior internship experience or familiarity with financial analysis tools, but many companies offer training for new graduates. Advancement typically depends on experience, skills, and certifications such as the CFA or credit analysis courses.

What is the average salary of a Credit Risk Analyst?

The average salary of a Credit Risk Analyst typically ranges from $60,000 to $85,000 per year, depending on experience, location, and industry. Professionals in this role often require strong analytical skills and knowledge of financial modeling tools.
More about Credit Risk Analyst jobs

What are the most commonly searched types of Credit Risk Analyst jobs in Florida?

The most popular types of Credit Risk Analyst jobs in Florida are:

What are popular job titles related to Credit Risk Analyst jobs in Florida?

For Credit Risk Analyst jobs in Florida, the most frequently searched job titles are:

What job categories do people searching Credit Risk Analyst jobs in Florida look for?

The top searched job categories for Credit Risk Analyst jobs in Florida are:

What cities in Florida are hiring for Credit Risk Analyst jobs?

Cities in Florida with the most Credit Risk Analyst job openings:

What are popular job titles related to Credit Risk Analyst jobs in FL?

For Credit Risk Analyst jobs in FL, the most frequently searched job titles are:

Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Florida as of September 2026, with employment types broken down into 1% As Needed, 88% Full Time, 9% Part Time, and 2% Contract. Highlights an 81% Physical, 4% Hybrid, and 15% Remote job distribution, with an average salary of $85,102 per year, or $40.9 per hour.

Portfolio Credit Risk Analyst

Miami, FL • On-site

Grove Bank & Trust
Finance and Insurance • 51 - 200 employees
Learn more about Grove Bank & Trustexternal

$80 - $100/hr

Other

Posted 15 days ago

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Portfolio Credit Risk Analyst

Full Time Grove Bank & Trust Miami, FL, US

4 days ago Requisition ID: 1070

SUMMARY: The Portfolio Credit Risk Analyst is a developmental role designed to provide comprehensive exposure to all facets of credit risk management. Plays a key role in monitoring, analyzing, and reporting on the Bank's credit portfolio. This position supports the Credit department by conducting risk assessments, identifying emerging trends, ensuring compliance with regulatory expectations, and assisting with strategic decision-making to maintain overall portfolio health. Performs other related duties as necessary.

ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Assist in the creation and implementation of numerous risk management processes that facilitate the identification, measurement, monitoring and control of credit risks affecting the bank. Examples include: the annual review process for individual borrowers and loan relationships, covenant ticklers and testing, the annual property inspection process, the early identification process for problem loans, appraisal review and engagement, etc.
  • Develop and maintain dashboards, flowcharts, and visual aids to support risk analysis and decision-making.
  • Use AI tools to automate and streamline reporting, data analysis, and document creation.
  • Assist in the creation and enhancement of credit risk management reports that assess portfolio quality and risk trends.
  • Support the Chief Credit Officer in preparing Board and Committee presentations related to credit risk.
  • Monitor concentrations of credit, special assets, and trends in portfolio performance.
  • Participate in the calibration and maintenance of the Allowance for Credit Losses (ACL) framework.
  • Maintain and update financial ticklers and documentation tracking systems.
  • Schedule meetings, prepare and send out packages for various committees including but not limited to: The Loan Committee, Special Asset Committee, etc.
  • Assist in the preparation of regulatory and internal audit materials.
  • Create job aids and deliverables to support credit risk identification and control.
  • Collaborate with loan officers and other departments to gather and validate financial data.
  • Contribute to the development of internal tools and methodologies for credit risk assessment.
  • Ensure adherence to the Bank's credit policies, regulatory requirements, and industry best practices.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

Bachelor's degree in Finance, Accounting, Economics, Data Analytics, or related field. Minimum 2 to 3 years of experience in credit analysis, financial risk management, portfolio analytics, or a similar banking role. Experience in community banking or commercial banking environment preferred. Experience with flowcharting tools (e.g., Visio, Lucid chart) and AI platforms (e.g., ChatGPT, Copilot, Bard) for productivity enhancement. Advanced proficiency in Microsoft Excel and PowerPoint. Must have a "highly motivated can-do" attitude, a sincere desire to learn and most importantly to take the initiative to perform any tasks assigned with positivity - no matter how tedious or administrative in nature. Strong analytical, organizational, and quantitative skills. Excellent written and verbal communication skills. Ability to manage multiple priorities and deliver high-quality work under tight deadlines. Detail-oriented with a proactive approach to problem-solving.

All candidates for hire will undergo a credit and criminal background check. Only qualified candidates will be contacted. Grove Bank & Trust is a drug-free workplace and an Equal Opportunity Employer - Veteran/Disability.

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