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Credit Risk Analyst Jobs in Virginia (NOW HIRING)

Freddie Mac

Quantitative Analytics Senior

Mclean, VA · On-site

As part of the Models & Analytics team, this role will primarily support Freddie Mac's Counterparty Credit Risk Management and Asset-Liability Management functions, with responsibilities spanning ...

John Marshall Bank

Credit Administration Manager

Reston, VA · On-site

$165K - $195K/yr

John Marshall Bank is seeking a seasoned Credit professional to lead our credit risk assessment, loan monitoring and policy compliance, portfolio analytics, stress testing, and allowance for credit ...

Freddie Mac

Quantitative Analytics Senior

Mclean, VA · On-site

Under the Models & Analytics team, the candidate will support models primarily utilized by Freddie ... The key focus is on credit risk scorecard modeling, but the tasks may also include LGD and EAD ...

Newhorizonbank

Credit Officer

Richmond, VA · On-site

$90 - $120/hr

Review impairment analyses quarterly. * Loan Approvals. In conjunction with the Credit Risk Management team, work with lenders on structuring and approving deals within delegated authority levels.

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Virginia

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 Aug 21, 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 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 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 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 $112,904 per year, or $54.3 per hour.

Senior Business Analyst, Credit Loss Forecast

Capital One

Mclean, VA • On-site

Full-time

Re-posted 20 days ago

Capital One rating

7.7

Company rating: 7.7 out of 10

Based on 147 frontline employees who took The Breakroom Quiz

93rd of 171 rated banks

Job description

Senior Business Analyst, Credit Loss Forecast
As a Senior Business Analyst in Liquidity Market Capital Risk Oversight (LMCRO), you will apply your strategic and analytical skills to review and challenge the credit loss forecasts for our various lines of business that inform the Company's quarterly allowance and annual stress testing estimates. And you will do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation.
Specific responsibilities include, but are not limited to:
  • Analysis: Identify explicit and implicit assumptions, limitations and weaknesses of credit loss estimation frameworks and raise conceptual or tactical challenges to pressure test the appropriateness of the loss projections
  • Managing Credit Risk: Support step-change improvements in credit loss estimation frameworks by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis
  • Execution: Help to develop, enhance and implement sustainable processes to identify, communicate, and document challenges to the loss estimation approaches and their resolution
  • Partnership: Work closely with colleagues across Capital One Credit Risk Management, Finance and other teams to drive effective oversight of loss forecasts
  • Strategic & analytic orientation: A proven track record of problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the role is based on rigorous analytic credit risk management
  • Strong judgment, leadership and integrity: Be able to prioritize among competing priorities while bringing a healthy, diligent, yet empathetic approach to the oversight function
  • Strong communication skills: Great written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills
  • Clear results orientation: Display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment
  • Successful track record of thriving in a fast paced, and dynamic environment.

Basic Qualifications:
  • At least 2 years of professional experience performing analysis
  • Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date:
    • A Bachelor's Degree in a quantitative field (Business, Finance, Accounting, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer engineering, Software engineering, Mechanical engineering, Information Systems or a related quantitative field)
    • A Master's Degree in a quantitative field (Business, Finance, Accounting, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer Engineering, Software Engineering, Mechanical engineering, Information Systems or a related quantitative field) or an MBA with a quantitative concentration

Preferred Qualifications:
  • Master's Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering
  • 1+ years of experience in Statistical model building
  • 1+ years of experience in market research
  • 1+ years of experience in SQL querying
  • 2+ years of experience in business analysis
  • 1+ years of experience in consulting

Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.
The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.
McLean, VA: $111,200 - $126,900 for Sr. Business Analyst
Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter.
This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.
Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.
This role is expected to accept applications for a minimum of 5 business days.
No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City's Fair Chance Act; Philadelphia's Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.
If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com
Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.
Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

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