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 ...
Quick apply
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 ...
Own and develop credit risk elements of the enterprise risk framework to ensure alignment with ... Analytical skills to frame complex problems and determine appropriate depth of analysis
Own and develop credit risk elements of the enterprise risk framework to ensure alignment with ... Analytical skills to frame complex problems and determine appropriate depth of analysis
Credit Risk, which independently oversees the management of credit risk exposures (including ... Strong commercial credit analysis skills with high attention to detail and accuracy. Ability to ...
Credit Risk, which independently oversees the management of credit risk exposures (including ... Strong commercial credit analysis skills with high attention to detail and accuracy. Ability to ...
Data Scientist - Credit Analytics
Johnston, IA · On-site
$115K - $160K/yr
... Analyst - Credit Analytics to identify data science and automation solutions to deliver key portfolio credit risk reporting. The role is expected to quickly contribute to Farmer Mac's Credit ...
Quick apply
Data Scientist - Credit Analytics
Johnston, IA · On-site
$115K - $160K/yr
... Analyst - Credit Analytics to identify data science and automation solutions to deliver key portfolio credit risk reporting. The role is expected to quickly contribute to Farmer Mac's Credit ...
Job Summary The Manager, Investment Risk will manage key aspects of investment risk and credit risk modeling, including oversight and approval of data inputs and assumptions, investment analytics and ...
Quick apply
Job Summary The Manager, Investment Risk will manage key aspects of investment risk and credit risk modeling, including oversight and approval of data inputs and assumptions, investment analytics and ...
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money * Spread appropriate financial data using CASH software program * Generate ...
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money * Spread appropriate financial data using CASH software program * Generate ...
Credit Analyst II
Urbandale, IA · On-site
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money * Spread appropriate financial data using CASH software program * Generate ...
Credit Analyst II
Urbandale, IA · On-site
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money * Spread appropriate financial data using CASH software program * Generate ...
Credit Analyst
Pella, IA · On-site
... analyzing data, and making an impact ... In this role, you'll assess credit risk and support financial solutions that help customers access ...
Credit Analyst
Pella, IA · On-site
... analyzing data, and making an impact ... In this role, you'll assess credit risk and support financial solutions that help customers access ...
Credit Analyst II
Urbandale, IA · On-site
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money * Spread appropriate financial data using CASH software program * Generate ...
Credit Analyst II
Urbandale, IA · On-site
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money * Spread appropriate financial data using CASH software program * Generate ...
Credit Analyst
Pella, IA · Hybrid
... analyzing data, and making an impact ... In this role, you'll assess credit risk and support financial solutions that help customers access ...
Credit Analyst
Pella, IA · Hybrid
... analyzing data, and making an impact ... In this role, you'll assess credit risk and support financial solutions that help customers access ...
Review and analyze customer financial statements, interim financials, borrowing base data, trade and bank references, and other relevant information to assess credit risk * Evaluate customer ...
Review and analyze customer financial statements, interim financials, borrowing base data, trade and bank references, and other relevant information to assess credit risk * Evaluate customer ...
Fixed Income Corporate Credit Analyst
Des Moines, IA · On-site
$141K - $191K/yr
Demonstrated ability to efficiently and effectively research, compile and analyze information, apply reasoning and exhibit sound decision making related to credit, risk and valuation Skills That Will ...
Fixed Income Corporate Credit Analyst
Des Moines, IA · On-site
$141K - $191K/yr
Demonstrated ability to efficiently and effectively research, compile and analyze information, apply reasoning and exhibit sound decision making related to credit, risk and valuation Skills That Will ...
Fixed Income Corporate Credit Analyst
Des Moines, IA · On-site
$141K - $191K/yr
Demonstrated ability to efficiently and effectively research, compile and analyze information, apply reasoning and exhibit sound decision making related to credit, risk and valuation Skills That Will ...
Fixed Income Corporate Credit Analyst
Des Moines, IA · On-site
$141K - $191K/yr
Demonstrated ability to efficiently and effectively research, compile and analyze information, apply reasoning and exhibit sound decision making related to credit, risk and valuation Skills That Will ...
VP Credit Underwriting
North Liberty, IA · On-site
$186K - $218K/yr
Leadership & Team Development • Lead, mentor, and develop a high-performing team of managers, senior underwriters, analysts, and credit officers. • Foster a proactive risk culture focused on ...
VP Credit Underwriting
North Liberty, IA · On-site
$186K - $218K/yr
Leadership & Team Development • Lead, mentor, and develop a high-performing team of managers, senior underwriters, analysts, and credit officers. • Foster a proactive risk culture focused on ...
VP Credit Underwriting
North Liberty, IA · On-site
$186K - $218K/yr
Leadership & Team Development • Lead, mentor, and develop a high-performing team of managers, senior underwriters, analysts, and credit officers. • Foster a proactive risk culture focused on ...
VP Credit Underwriting
North Liberty, IA · On-site
$186K - $218K/yr
Leadership & Team Development • Lead, mentor, and develop a high-performing team of managers, senior underwriters, analysts, and credit officers. • Foster a proactive risk culture focused on ...
As a Commercial Credit Analyst you'll be in-office at our Ottumwa Richmond location, you'll dive ... A strong grasp of financial concepts, including risk assessment and creditworthiness evaluation, is ...
New
As a Commercial Credit Analyst you'll be in-office at our Ottumwa Richmond location, you'll dive ... A strong grasp of financial concepts, including risk assessment and creditworthiness evaluation, is ...
New
Senior Analyst - Special Assets
Johnston, IA · On-site
$75K - $95K/yr
While this role primary includes management of delinquent and problem assets, it is also focused on servicing strategy, credit analysis, and life-of-loan risk management. This role serves as a ...
Quick apply
Senior Analyst - Special Assets
Johnston, IA · On-site
$75K - $95K/yr
While this role primary includes management of delinquent and problem assets, it is also focused on servicing strategy, credit analysis, and life-of-loan risk management. This role serves as a ...
Senior Credit Analyst - Customer Management Client: Heavy Machine Manufacturing Company Location ... risk management initiatives • Analyze customer data and provide recommendations • Update CRM ...
Senior Credit Analyst - Customer Management Client: Heavy Machine Manufacturing Company Location ... risk management initiatives • Analyze customer data and provide recommendations • Update CRM ...
The role provides a broad foundation for risk management within GreatAmerica, supporting career advancement. Our best credit analysts are eager to learn, self-starters and excel at thinking on their ...
The role provides a broad foundation for risk management within GreatAmerica, supporting career advancement. Our best credit analysts are eager to learn, self-starters and excel at thinking on their ...
The role provides a broad foundation for risk management within GreatAmerica, supporting career advancement. Our best credit analysts are eager to learn, self-starters and excel at thinking on their ...
The role provides a broad foundation for risk management within GreatAmerica, supporting career advancement. Our best credit analysts are eager to learn, self-starters and excel at thinking on their ...
Credit Risk Analyst information
See Iowa salary details
$34.8K - $48.5K
4% of jobs
$48.5K - $62.2K
5% of jobs
$62.2K - $75.9K
14% of jobs
$76.9K is the 25th percentile. Wages below this are outliers.
$75.9K - $89.6K
21% of jobs
The median wage is $96.4K / yr.
$89.6K - $103.3K
11% of jobs
$103.3K - $117K
12% of jobs
$126.3K is the 75th percentile. Wages above this are outliers.
$117K - $130.7K
12% of jobs
$130.7K - $144.4K
11% of jobs
$144.4K - $158.1K
5% of jobs
$158.1K - $171.8K
4% of jobs
$171.8K - $185.5K
1% of jobs
$34.8K
$107K
$185.5K
How much do credit risk analyst jobs pay per year?
As of Jun 19, 2026, the average yearly pay for credit risk analyst in Iowa is $106,964.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,500.00 and $132,000.00 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 at Goldman Sachs is typically between $70,000 and $120,000 annually, depending on experience, location, and level of seniority. Compensation may also include bonuses and benefits, with higher salaries often associated with advanced certifications and specialized skills in risk assessment and financial analysis.
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 financial data and assessing creditworthiness, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can automate data analysis and streamline processes, human analysts are still essential for complex decision-making and risk assessment. The role is evolving to include working alongside AI technologies to improve efficiency and accuracy.
How much do risk analysts get paid?
Risk analysts, including credit risk analysts, typically earn a median annual salary of around $70,000 to $90,000, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications like CFA or FRM can earn higher salaries and bonuses.
What is the difference between Credit Risk Analyst vs Credit Analyst?
| Aspect | Credit Risk Analyst | Credit Analyst |
|---|---|---|
| Primary Focus | Assessing the risk of default on loans and credit products | Evaluating creditworthiness of individual or business applicants |
| Required Credentials | Typically a degree in finance, economics, or related field; certifications like CFA or credit-specific courses | Similar credentials; often the same certifications or degrees |
| Work Environment | Financial institutions, risk management departments | Banks, lending institutions, credit departments |
| Industry Usage | Commonly used in risk assessment and management | Primarily 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 economic trends, often using specialized software, to assess risk levels and recommend credit limits or approval decisions. Their work helps financial institutions manage potential losses and ensure sound lending practices.
More about Credit Risk Analyst jobs
What are popular job titles related to Credit Risk Analyst jobs in Iowa? For Credit Risk Analyst jobs in Iowa, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Iowa look for? The top searched job categories for Credit Risk Analyst jobs in Iowa are:
What are popular job titles related to Credit Risk Analyst jobs in IA? For Credit Risk Analyst jobs in IA, the most frequently searched job titles are:
Full-time
Posted 2 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