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Credit Risk Analyst Jobs in North Carolina (NOW HIRING)

Huntington

Credit Review Team Leader Sr

Charlotte, NC · On-site +1

$125K - $255K/yr

Bachelor's Degree * 10+ years of progressively responsible experience in credit review, risk and/or credit risk management, portfolio monitoring, underwriting and/or analysis, including a management ...

Huntington

Credit Review Team Leader Sr

Charlotte, NC · On-site +1

$125K - $255K/yr

Bachelor's Degree * 10+ years of progressively responsible experience in credit review, risk and/or credit risk management, portfolio monitoring, underwriting and/or analysis, including a management ...

Lowe's

Credit Underwriting Analyst

Mooresville, NC

$74K - $124K/yr

The position will work with internal and external partners to implement risk and underwriting ... lending/credit risk/underwriting experience including financial statement analysis. NACM ...

Lowe's

Credit Underwriting Analyst

Mooresville, NC · On-site

$74K - $124K/yr

The position will work with internal and external partners to implement risk and underwriting ... lending/credit risk/underwriting experience including financial statement analysis. NACM ...

US Bank

Impact Finance Officer

Charlotte, NC · On-site

... credit risk strategy and ensure we meet core business objectives Self-starter, ability to quickly assimilate and analyze large amounts of information across a variety of topics Strong tenacity and ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in North Carolina

Credit Risk Analyst information

See North Carolina salary details

$33.6K

$103.5K

$179.5K

How much do credit risk analyst jobs pay per year?

As of Sep 3, 2026, the average yearly pay for credit risk analyst in North Carolina is $103,495.00, according to ZipRecruiter salary data. Most workers in this role earn between $75,000.00 and $127,700.00 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 North Carolina?

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

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

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

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

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

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

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

Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in North Carolina as of August 2026, with employment types broken down into 57% Full Time, and 43% Part Time. Highlights an 60% In-person, and 40% Hybrid job distribution, with an average salary of $103,495 per year, or $49.8 per hour.

Credit Portfolio Manager III

Atlantic Union Bank

Raleigh, NC • On-site

$52.02 - $86.80/hr

Full-time

Posted 29 days ago

Atlantic Union Bank rating

6.2

Company rating: 6.2 out of 10

Based on 7 frontline employees who took The Breakroom Quiz

154th of 174 rated banks

Job description

Responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank's legal lending limit. Partners with Relationship Managers, Credit Portfolio Managers, and the Credit Portfolio Management Team Leader in delivering credit solutions through: underwriting, portfolio management, deal team management, and extensive internal and external client interaction. Credit Portfolio Manager III is expected to be a subject matter expert (SME) in the respective portfolio and adheres to all regulatory and compliance guidelines.
Position Accountabilities
  • Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio. The position will be assigned to some of the more complex credits and larger portfolios within the Wholesale Bank.
  • Provide in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables.
  • Prepare detailed short or long-term financial projections within a vendor provided solution such as Moody's Risk Analyst or within an Excel spreadsheet.
  • Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
  • Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, ensuring timely compliance with all covenants, identifying issues and following through for remediation, and assisting with compliance and regulatory reviews.
  • Participate or lead client calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements
  • Participate in special projects to aid with the continuous improvement of portfolio management.
  • Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares' BSA/AML Policy and Procedures.
  • Prioritize new deal, renewal, and portfolio management requirements and coordinate as appropriate with clients and prospects, Relationship Managers, Credit Risk, Treasury Management, and other internal and external stakeholders.
  • This senior position may mentor CPMs I and II, as appropriate.

Organizational Relationship
This position reports to the Team Leader - Credit Portfolio Management.
Position Qualifications
Education & Experience
  • Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment

Knowledge & Skills
  • Experience across multiple lines of business, including but not limited to Commercial & Industrial, real estate development and builder lines, service, retail, commercial real estate, religious organizations and government. If supporting commercial real estate lenders, requisite skills would also include construction loan underwriting and administration (construction budgets, sources/uses, construction draw administration, property entitlement, lease analysis and property valuation principles).
  • Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations.
  • Advanced written and analytical skills to encompass an ability to analyze balance sheet structure, and income and cash flow trends.
  • Consistently demonstrates ability to make complex decisions and sound business judgments regarding business and lending activities
  • Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real estate companies (as applicable).
  • Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody's or other software package.
  • Excellent written, oral and interpersonal skills, to include selling, structuring, negotiating, closing, maintenance, modifications and problem resolution
  • PC proficiency with Word and Excel, including the use of system and user generated formulas, macros, charts, and tables.
  • Ability to research industry sources needed for credit evaluations.
  • Strong organization skills with the ability to self-manage time and work flow to meet deadlines.
  • Ability to manage multiple projects at one time.
  • Ability to work independently as well as within a team environment

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.
We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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