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Credit Risk Analyst Jobs in Iowa (NOW HIRING)

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Credit Risk Analyst information

See Iowa salary details

$34.8K

$107K

$185.5K

How much do credit risk analyst jobs pay per year?

As of May 31, 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 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 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:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Iowa as of May 2026, with employment types broken down into 1% As Needed, 81% Full Time, 15% Part Time, 1% Temporary, and 2% Contract. Highlights an 57% Physical, 3% Hybrid, and 40% Remote job distribution, with an average salary of $106,964 per year, or $51.4 per hour.
Senior Equipment Finance Underwriter

Senior Equipment Finance Underwriter

TalentBridge

Des Moines, IA

$66/hr

Full-time

Posted 5 days ago

Job description

Job Title: Senior Equipment Finance Underwriter
Location: Des Moines, IA (also open to Irving, TX & Minneapolis, MN)
Job Type: Contract
Max Pay Rate: $66/hr
Overview
We are seeking an experienced Senior Equipment Finance Underwriter to support commercial lending activities within a leading financial services organization. This role focuses on evaluating and underwriting equipment finance loans and leases, supporting vendor finance operations, and ensuring sound credit decisions.
Key Responsibilities
  • Underwrite commercial loan and lease transactions within equipment finance
  • Evaluate creditworthiness through financial analysis and risk assessment
  • Review moderately complex loan requests requiring in-depth evaluation
  • Maintain risk ratings and credit data in internal systems
  • Approve transactions within delegated authority and escalate when needed
  • Conduct portfolio reviews and monitor existing credits
  • Partner with internal teams and external stakeholders to gather required data
  • Support business objectives through sound credit decisioning
• Required Qualifications
  • 4+ years of Equipment Finance Underwriting experience
  • Strong background in commercial lending / credit underwriting
  • Experience with financial analysis and credit risk evaluation
  • Ability to analyze moderately complex transactions
• Preferred Qualifications
  • Bachelor's degree in Finance, Accounting, Economics, or related field
  • Experience underwriting large transactions (multi-million exposure)
  • Exposure to industries such as:
    • Construction
    • Transportation
    • Manufacturing
    • Healthcare
    • Technology
  • Proficiency in Microsoft Office (Excel, Word, PowerPoint)

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