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Credit Risk Analyst Jobs in Virginia (NOW HIRING)

Tiger Fuel Company

Credit Manager

Charlottesville, VA

$75K - $85K/yr

... analysis, credit bureau data (e.g., CreditSafe, Equifax), trade references, and internal payment history. • Establish and maintain appropriate credit limits and payment terms based on risk profile ...

Freddie Mac

Risk Analytics, Senior Director

Mclean, VA · On-site

Provide second-line oversight of credit risk transfer activities such as securitizations and ... Present analyses and recommendations to senior management, the Board Risk Committee, and regulators ...

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Credit Risk Analyst information

See Virginia salary details

$36.7K

$112.9K

$195.8K

How much do credit risk analyst jobs pay per year?

As of May 30, 2026, the average yearly pay for credit risk analyst in Virginia is $112,904.00, according to ZipRecruiter salary data. Most workers in this role earn between $81,800.00 and $139,300.00 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 Virginia? The most popular types of Credit Risk Analyst jobs in Virginia are:
What are popular job titles related to Credit Risk Analyst jobs in Virginia? For Credit Risk Analyst jobs in Virginia, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Virginia look for? The top searched job categories for Credit Risk Analyst jobs in Virginia are:
What cities in Virginia are hiring for Credit Risk Analyst jobs? Cities in Virginia with the most Credit Risk Analyst job openings:
What are popular job titles related to Credit Risk Analyst jobs in VA? For Credit Risk Analyst jobs in VA, the most frequently searched job titles are:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Virginia as of May 2026, with employment types broken down into 1% As Needed, 83% Full Time, 12% Part Time, 1% Temporary, and 3% Contract. Highlights an 82% Physical, 2% Hybrid, and 16% Remote job distribution, with an average salary of $112,904 per year, or $54.3 per hour.
Credit Manager

Credit Manager

Tiger Fuel Company

Charlottesville, VA

$75K - $85K/yr

Other

Posted 21 days ago

Tiger Fuel rating

5.3

Company rating: 5.3 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

311th of 333 rated retail wholesalers

Job description

Job Type
Full-time
Description
Tiger is seeking an experienced Credit Manager to be responsible for safeguarding company assets by evaluating customer creditworthiness, optimizing accounts receivable performance, and implementing best-in-class credit and collections processes.
Some key responsibilities include:
• Evaluate the creditworthiness of new and existing customers using financial analysis, credit bureau data (e.g., CreditSafe, Equifax), trade references, and internal payment history.
• Establish and maintain appropriate credit limits and payment terms based on risk profile, customer segment (dealer, commercial, residential), and contractual agreements.
• Continuously monitor customer credit exposure and proactively adjust limits or terms based on changing financial conditions or market risk.
• Assess industry-specific risks, including fuel price volatility, seasonality, and dealer margin pressures, and incorporate into credit decisions.
• Help design and implement structured collection strategies, including dunning schedules, delivery holds, COD conversions, and account suspension protocols.
• Monitor AR aging trends and key metrics (DSO, past due %, bad debt expense) and drive continuous improvement initiatives.
• Performs customer account analysis and reconciliations on a routine basis, identifying and correcting errors as noted; recommend actions by interpreting customer performance and account data.
• Lead collection efforts on high-risk and escalated accounts, negotiating payment plans while protecting company interests.
• Partner with billing and cash application teams to resolve disputes, short pays, and misapplied payments efficiently.
• Manage the end-to-end legal recovery process for delinquent accounts, including preparation and submission of claims through appropriate court systems (e.g., small claims, district, or circuit courts).
• Coordinate with legal counsel on filings, judgments, liens, and garnishments as necessary.
• Promote the "Tiger Way" and our cycle of success by building high quality relationships with employees, customers, and outside vendors.
• Perform other duties as required and assigned.
Requirements
• Bachelor's degree in Accounting, Finance, Business Administration, or a related field
• Professional certifications such as Certified Credit Executive (CCE) or Certified Credit & Risk Analyst (CCRA) preferred
• 5-8 years of progressive experience in credit, accounts receivable, or financial risk management roles
• Direct experience managing commercial and/or wholesale credit environments, preferably in fuel distribution, energy, logistics, or similarly high-volume, transactional industries
• Proven experience handling delinquent accounts through legal recovery processes, including court filings, judgments, liens, and coordination with legal counsel
• Excellent oral and written communication skills, with the ability to communicate financial information to customers and management.
• Proficiency with Microsoft Office Suite, especially Microsoft Excel
• Passionate about quality work and delivering best-in-class "Tiger Way" customer service support.
• Able to learn new technologies, quickly becoming the expert of a rapidly evolving set of technology needs.
Salary Description
$75,000 to $85,000 annually

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