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Credit Risk Analyst Jobs in Iowa (NOW HIRING)

Bankers Trust

Credit Officer I or II

Des Moines, IA · On-site

$102K - $121K/yr

Reviews credits for appropriate risk rating and approve recommended risk rating changes ... Supervises assigned commercial portfolio managers and/or credit analysts in the preparation of ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Iowa

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 Jul 9, 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 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.
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 July 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 82% Full Time, 10% Part Time, 1% Temporary, and 5% Contract. Highlights an 82% Physical, 5% Hybrid, and 13% Remote job distribution, with an average salary of $106,964 per year, or $51.4 per hour.

Portfolio Specialist

Quad City Bank and Trust

Davenport, IA • On-site

Full-time

Posted 29 days ago

Job description

Job Type
Full-time
Description
TITLE: Portfolio Specialist
DEPARTMENT: 911 - Credit Administration
JOB SUMMARY:
The Portfolio Specialist is responsible for oversight of a commercial loan portfolio including client service, underwriting and closing activities and internal servicing and monitoring. This position will contribute to client relationships by providing consistent high-quality level of service.
ESSENTIAL FUNCTIONS:
  • Independently prepare commercial credit presentations, including analysis of appropriate data per credit policy, bank procedures, and regulatory requirements.
  • Maintain and apply knowledge for appropriate loan structuring and credit risk mitigation demonstrated through delivery of high-quality credit presentations for commercial lending approvals.
  • Monitor compliance with loan agreements by working with Commercial Bankers and clients to ensure timely receipt and review of financials, covenant compliance, and other loan agreement conditions.
  • Oversee pre- and post-closing due diligence as required by Loan Policy, the loan approval, and other interests such as SBA, FSA or USDA (select markets).
  • Serve as a back-up to the Commercial Bankers as appropriate, including presenting to Loan Committee, handling client service issues, client calling efforts, and coordinating/handling loan closings.
  • Independently responsible for internal portfolio management processes including monitoring and performing appropriate action related to past dues and maturing loans, communicating with participant banks, and working with internal and external auditors.
  • Manage the portfolio tracking process, including gathering and entering data in the appropriate tracking reports, as well as reviewing and distributing monthly reports.
  • Collaborate with Commercial Credit Operations, Administration and Lender staff to provide timely response to internal and external customer inquiries and servicing needs.
  • Prepare annual term loan reviews as requested by the Commercial Banker staff.
  • Provide leadership, guidance and training to other credit administration personnel as assigned.
  • Assist the department with special projects and reporting as assigned.
  • Acts as the technical expert on complex loan and lending relationships.
  • Build relationships with other bank personnel to facilitate effective working relationships between credit administration and production.
  • Provide timely and effective responses to servicing needs.
  • Comply with all company or regulatory policies, procedures and requirements applicable to this position.
  • Foster and preserve a culture of inclusion.
  • Additional duties and responsibilities may be required to support the company's mission, vision and values.

QUALIFICATIONS:
  • High school diploma or equivalent required. Bachelor's degree in accounting, finance, business administration or related field required.
  • Minimum 4 years of credit analysis, commercial, or other relevant banking experience preferred.
  • Capability to utilize various banking software and Microsoft 365 products, with a high level of accuracy and attention to detail.
  • Strong verbal, written and interpersonal communication skills.
  • Capability to manage sensitive information and uphold confidentiality.
  • Accountability when working with clients, other team members and stakeholders of the company.
  • Capability to work and collaborate with a variety of individuals and groups in a constructive and professional manner.
  • Strong analytical and problem-solving capabilities.
  • Excellent organizational skills with the ability to organize and manage a variety of projects and tasks in a fast-paced environment.
  • Ability to interpret, analyze, and communicate financial information effectively to a wide range of clients and audiences.

WORKING CONDITIONS:
  • Duties are performed in a professional office environment.
  • Occasional travel may be required.

At QCR Holdings, Inc. we are committed to fostering and preserving a culture of inclusion and strongly believe that it's our differences - of all kinds - that make our company and our communities better and stronger.
QCR Holdings, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity, national origin, veteran status, or other protected class status.
It is the policy of QCR Holdings, Inc. to comply with the Americans with Disabilities Act by providing reasonable accommodations to enable qualified individuals with disabilities to access the job application and interview process, to perform the essential functions of the job, and to receive equal access to other benefits and privileges of employment.

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