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Credit Risk Analyst Jobs in Utah (NOW HIRING)

First Electronic Bank

CECL Analyst

Salt Lake City, UT · On-site

The ideal candidate has strong analytical skills, attention to detail, and a desire to grow within credit risk and financial modeling. What You'll Do: * CECL Data & Modeling Support * Assist with ...

First Electronic Bank

CECL Analyst

Salt Lake City, UT · On-site

The ideal candidate has strong analytical skills, attention to detail, and a desire to grow within credit risk and financial modeling. What You'll Do: * CECL Data & Modeling Support * Assist with ...

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Credit Risk Analyst information

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$33.7K

$103.7K

$179.8K

How much do credit risk analyst jobs pay per year?

As of May 29, 2026, the average yearly pay for credit risk analyst in Utah is $103,674.00, according to ZipRecruiter salary data. Most workers in this role earn between $75,100.00 and $127,900.00 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 the most commonly searched types of Credit Risk Analyst jobs in Utah? The most popular types of Credit Risk Analyst jobs in Utah are:
What are popular job titles related to Credit Risk Analyst jobs in Utah? For Credit Risk Analyst jobs in Utah, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Utah look for? The top searched job categories for Credit Risk Analyst jobs in Utah are:
What cities in Utah are hiring for Credit Risk Analyst jobs? Cities in Utah with the most Credit Risk Analyst job openings:
What are popular job titles related to Credit Risk Analyst jobs in UT? For Credit Risk Analyst jobs in UT, the most frequently searched job titles are:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Utah as of May 2026, with employment types broken down into 1% As Needed, 86% Full Time, 9% Part Time, 1% Temporary, and 3% Contract. Highlights an 71% Physical, 4% Hybrid, and 25% Remote job distribution, with an average salary of $103,674 per year, or $49.8 per hour.
Risk Division - Salt Lake City - Associate, Credit Risk - 9308635

Risk Division - Salt Lake City - Associate, Credit Risk - 9308635

Goldman Sachs, Inc.

Salt Lake City, UT • On-site

Full-time

Posted 4 days ago

Goldman Sachs rating

8.3

Company rating: 8.3 out of 10

Based on 25 frontline employees who took The Breakroom Quiz

29th of 141 rated banks

Job description

Job Description
Job Duties: Associate, Credit Risk with Goldman Sachs & Co. LLC in Salt Lake City, Utah. Complete counterparty research reviews and internal credit ratings analyses, including assessment of industry fundamentals, building financial projection models, and evaluation of various quantitative metrics and qualitative factors supporting creditworthiness. Recommend and defend internal and regulatory risk ratings for counterparts/transactions as required. Conduct ongoing surveillance and monitoring for assigned portfolio of counterparties, including identifying potential risks and escalating as appropriate. Present findings and recommendations to senior management and answer questions relating to analysis performed. Provide industry-specific training and review process / conceptual training to new hires and junior analysts. Assist in validating and updating internal risk management methodologies. Assist junior team members in executing deliverables across various projects to improve team processes and drive efficiencies.
Job Requirements: Master's degree (U.S. or foreign equivalent) in Finance, Accounting, Economics, or a related field and one (1) year of experience in the job offered or a related role; OR Bachelor's degree (U.S. or foreign equivalent) in Finance, Accounting, Economics, or a related field and three (3) years of experience in the job offered or a related role. Prior experience must include one (1) year of experience with master's degree or three (3) years of experience with bachelor's degree with the following: applying accounting methods (both Generally Accepted Accounting Principle and International Financial Reporting Standards) to analyze financial reports and explain performance variances; working with regulatory processes such as the Shared National Credit (SNC) or Allowance for Loan and Lease Losses (ALLL); building financial models in Excel using advanced functionality, including macros, pivot tables, v-lookup, slicers, and h-lookup and Microsoft PowerPoint, to produce and present analytical insights and highlight data trends; utilizing Business Intelligence Software solution including Tableau; and working with derivatives, loans and other products that give rise to credit risk to institutional counterparties.
©The Goldman Sachs Group, Inc., 2026. All rights reserved. Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veteran status, disability, or any other characteristic protected by applicable law.

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About Goldman Sachs

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At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs.

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

New York, NY, US

Year founded

1869

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