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Credit Risk Analyst Jobs in Albuquerque, NM (NOW HIRING)

Ben E. Keith

Credit Manager

Albuquerque, NM · On-site

Credit risk analysis * Customer credit evaluation * Experience working in a high-volume, deadline-driven environment * Proven ability to enforce policy while maintaining collaborative relationships

bekco

Credit Manager

Albuquerque, NM · On-site

Credit risk analysis * Customer credit evaluation * Experience working in a high-volume, deadline-driven environment • Proven ability to enforce policy while maintaining collaborative relationships ...

Socket.dev

Chief Risk Officer

Albuquerque, NM · On-site

$150 - $230/hr

Participate in and contribute to key governance committees, including the Loan Charge-Off Committee (LCOC), Asset Liability Committee (ALCO), and Credit Risk Analytics Committee (CRAC). * Prepare and ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Albuquerque, NM

Credit Risk Analyst information

See Albuquerque, NM salary details

$35.9K

$110.4K

$191.4K

How much do credit risk analyst jobs pay per year?

As of Aug 26, 2026, the average yearly pay for credit risk analyst in Albuquerque, NM is $110,388.00, according to ZipRecruiter salary data. Most workers in this role earn between $80,000.00 and $136,200.00 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

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

What job categories do people searching Credit Risk Analyst jobs in Albuquerque, NM look for?

The top searched job categories for Credit Risk Analyst jobs in Albuquerque, NM are:

Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Albuquerque, NM as of August 2026, with employment types broken down into 86% Full Time, and 14% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $110,388 per year, or $53.1 per hour.

Commercial Credit Analyst I

State Employees Credit Union

Albuquerque, NM • On-site

$63K - $79K/yr

Full-time

Re-posted 20 days ago

State Employees' Credit Union (North Carolina) rating

8.2

Company rating: 8.2 out of 10

Based on 23 frontline employees who took The Breakroom Quiz

Job description

POSITION TITLE: Commercial Credit Analyst I

REPORTS TO: Commercial Portfolio Manager

SUPERVISES: N/A

JOB STATUS: Exempt

JOB GRADE 12: $63,525.80 - $79,060.80 Targeted Annual Salary

*This position works on-site. Remote work is not available at this time.

JOB SUMMARY:

This employee is responsible for assisting the Commercial Loan Department with the analyzing of financial information provided by businesses and/or individuals that are submitting a request for a Commercial/Business loan to determine the risk that the Credit Union would have with the loan. Prepare cash flow analysis of personal and business tax returns and financial statements. Prepare reports that are based upon the findings that will assist in the decision-making process. Assist in the documentation of the Commercial loan portfolio. Assist in the opening and maintenance of Commercial/Business deposit and loan accounts to ensure that all necessary documentation is obtained.

All employees of State Employees Credit Union are proactive, result driven, and fully committed to the Credit Union's mission and vision. They strive to achieve the highest standards of excellence and consistently exceed the expectations established by Credit Union Management.

Duties/Responsibilities:

  • Take a lead role in the analyses of commercial credit applications and related
  • Responsible for evaluating a borrower's capacity to pay, capital position, economic trends and forecasts in mitigating loan-risk, identifying special risk based on the unique needs of the borrower and the loan, and making recommendations through underwriting to effectively manage commercial credit risk for the
  • Compile, prepare, and present Credit Approval Presentations for loan
  • Interview Commercial & Business members for new accounts and loans.
  • Prepare cash flow analysis of personal and business tax returns and financial statements.
  • Prepare and submit Commercial & Business loan requests for
  • Maintain and review commercial loan maturity report.
  • Collect Commercial & Business loan financial documentation for annual reviews and possible renewals
  • Complete and update Commercial & Business loan
  • Review Commercial & Business loan call report provided by CFO for
  • Keeps abreast of local and national economic, financial, political and legislative events and climates which could have an impact on commercial lending
  • Ensure the Credit Union provides high quality services to its members in lending and related
  • Participates in any other activities deemed necessary to further support the lending functions of State Employees Credit
  • Ensures that all Credit Union policies and procedures are followed, comply with all applicable laws, regulations and have strong working knowledge of
  • Understand compliance issues & attends training as they relate to Commercial Credit Analyst, including, but not limited to Anti-Money Laundering, OFAC, Bank Secrecy Act; Reg P; Patriot Act.
  • Report all suspicious activity to the BSA Compliance Officer, and following policy/procedure as it pertains to the job
  • Performs other duties as assigned.
  • Job Related Travel – As required.
Required Skills/Abilities:
  • Strong interpersonal relationship/communication skills and attention to detail
  • Advanced knowledge in the review of commercial credit applications and borrower capacity to
  • Extensive experience with accounting, financial statements, cash flow, and borrower-risk analysis.
  • Ability to work independently with little supervision as well as in a team environment.
  • Strong analytical
  • Experienced in the appraisal and underwriting of commercial
  • Proficient with the Microsoft Office
Education/Experience:
  • Education or experience equivalent to a bachelor's degree in accounting, Finance, or related field, in addition to 3 plus years of relevant Commercial Credit Analyst experience.
General Requirements:

Must be capable to execute all terms and conditions set forth in the Employee Handbook, including but not limited to:

  • Works in a safety conscious manner which ensures that safe work practices are used in order not to pose a risk to self or others in the workplace.
  • Adheres to policy on Drug Free
  • Complies with company policies and procedures and local, state and federal
Physical Requirements:
  • Prolonged periods of sitting at a desk and working on a
  • Must be able to lift 15 pounds at times.
  • Must be able to access and navigate each department at the organization's

State Employees Credit Union offers a highly competitive benefits package

Applications must be received by Human Resources

State Employees Credit Union of New Mexico is an Equal Opportunity Employer

Equal Opportunity Employer, including disabled and veterans.

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