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Credit Risk Analyst Jobs in Utah (NOW HIRING)

CCBank

Senior Credit Analyst

Pleasant Grove, UT · On-site

This role will collaborate directly with Risk, Compliance, Legal, and external program fintechs ... Sharp credit judgment and analytical rigor. Comfortable drawing conclusions from portfolio data and ...

TAB Bank

Corporate Credit Analyst

Ogden, UT · On-site

Analyze financial statements and ratios, business and product cycles, collateral, industry risk ... Obtain credit reports, as well as conduct company and industry research. * Ensure compliance with ...

TAB Bank

Corporate Credit Analyst

Ogden, UT

Analyze financial statements and ratios, business and product cycles, collateral, industry risk ... Obtain credit reports, as well as conduct company and industry research. * Ensure compliance with ...

TAB Bank

Model Risk Management Analyst

Ogden, UT · On-site

Performing credit and model risk due diligence on potential new partners * Ability to take the lead ... Ability to program and conduct analysis using SQL, R, Python, SAS or similar applications

TAB Bank

Model Risk Management Analyst

Ogden, UT · On-site

Performing credit and model risk due diligence on potential new partners * Ability to take the lead ... Ability to program and conduct analysis using SQL, R, Python, SAS or similar applications

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Utah

Credit Risk Analyst information

See Utah salary details

$33.7K

$103.7K

$179.8K

How much do credit risk analyst jobs pay per year?

As of Aug 20, 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 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 Utah?

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

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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:

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Cities in Utah with the most Credit Risk Analyst job openings:

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Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Utah as of August 2026, with employment types broken down into 50% Full Time, and 50% Part Time. Highlights an 60% In-person, and 40% Hybrid job distribution, with an average salary of $103,674 per year, or $49.8 per hour.

Senior Credit Analyst

CCBank

Pleasant Grove, UT • On-site

Full-time

Re-posted 18 days ago

Job description

Position Summary
The Senior Credit Policy Analyst will own the credit policy infrastructure that highlights our fintech-driven lending business. This role will draft, maintain, and continuously refine the policies and underwriting criteria governing a diverse portfolio of fintech relationships, embedded banking programs, and specialty credit initiatives - ensuring everything Quill Bank does is grounded in sound credit judgment, defensible to regulators, and fit for purpose in a dynamic market.
This is a high-visibility, high-ownership role. This role will collaborate directly with Risk, Compliance, Legal, and external program fintechs - and you will regularly present policy updates to senior leadership and internal governance committees.
Key Responsibilities
Credit Policy Development & Maintenance
  • Draft, update, and maintain credit policies, underwriting criteria, and exposure limits for all fintech-driven and specialty credit programs.
  • Conduct regular policy reviews to ensure alignment with portfolio performance, regulatory guidance, and evolving program structures.
  • Track and document policy exceptions, identify trends, and escalate recurring issues to senior leadership with clear, actionable recommendations.
  • Evaluate new program proposals and develop or refine the applicable policy framework prior to launch.

Portfolio & Program Support
  • Monitor credit quality, loss trends, and early warning indicators across fintech portfolios while feeding insights directly into policy updates and governance reporting.
  • Serve as a subject-matter expert on credit policy for fintech and program fintechs - fielding questions, reviewing proposed model changes, and advising on program modifications.
  • Support fintech onboarding due diligence from a credit policy perspective, ensuring new programs are structured within the Bank's risk appetite.

Regulatory & Governance Compliance
  • Ensure all credit policies meet applicable regulatory requirements and internal governance standards.
  • Maintain organized policy documentation in support of regulatory exams, audits, and internal reviews.
  • Partner with Compliance, Legal, and Risk teams to proactively incorporate regulatory changes into the policy framework.

Collaboration & Communication
  • Translate credit strategy into clear, workable policy language that internal teams and external fintechs can understand and apply consistently.
  • Present policy updates, exception trends, and program recommendations to internal governance committees and senior leadership.
  • Contribute to a culture of credit discipline and continuous improvement across the organization.

Specifications
  • Bachelor's degree in Finance, Business, Economics, or a related field; advanced degree or relevant certification a plus.
  • 5+ years of experience in credit risk, credit policy, or underwriting within banking, fintech, or specialty lending.
  • Demonstrated experience writing and maintaining credit policies or underwriting guidelines.
  • Meaningful exposure to fintech programs, BaaS programs, or third-party lending arrangements strongly preferred.
  • Working knowledge of regulatory expectations related to credit risk and third-party oversight.

Skills & Competencies
  • Exceptional written communication. Able to translate nuanced credit concepts into precise, readable policy language.
  • Sharp credit judgment and analytical rigor. Comfortable drawing conclusions from portfolio data and performance trends.
  • Thrives in ambiguity. Adaptable and productive when business models, program structures, or regulatory expectations are shifting.
  • Strong cross-functional collaborator with the credibility and communication skills to influence without authority.
  • Detail-oriented and organized. This role is the last line of defense on policy documentation quality.

Success Measures
  • Credit policies are current, clearly documented, and consistently applied across all fintech programs.
  • Policy exceptions are captured, escalated appropriately, and reflected in periodic policy updates - no surprises in an exam.
  • Audit and regulatory exam findings related to credit policy are minimal.
  • Internal and external stakeholders consistently rate policy clarity and responsiveness as a strength.
  • New program launches include a complete, governance-approved credit policy framework on day one.

Apply