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Credit Risk Analyst Jobs in Atlanta, GA (NOW HIRING)

INHABIT IQ

Senior Credit Risk Analyst

Alpharetta, GA · On-site

Summary As a Senior Credit and Risk Analyst, the primary responsibilities include identifying and reviewing credit and risk related activity. In this role you will complete investigations, account ...

Inhabit

Senior Credit Risk Analyst

Alpharetta, GA · On-site

Summary As a Senior Credit and Risk Analyst, the primary responsibilities include identifying and reviewing credit and risk related activity. In this role you will complete investigations, account ...

NorthPoint Search Group

Risk Analyst

Atlanta, GA · On-site

$95K - $110K/yr

A growing auto finance company building out its credit risk team. What: Analyze and forecast repossessions, origination risks, servicing exposure, and overall credit performance. When: Newly created ...

usauto

Credit Risk Manager

Duluth, GA

This is a diversified analytics role with exposure to multiple internal departments and external ... credit risk and pricing returns. Bring your strong technical skills, consumer lending experience ...

YouLend

Credit Risk Lead

Atlanta, GA · On-site

Lead, manage, mentor, and develop a small team of credit risk analysts and underwriters. * Recruit for and develop the team in line with our culture and values creating a tenured, talented and ...

ATLANTICUS

Credit Risk Manager

Atlanta, GA

The Credit Risk Manager is responsible for delivering strategies that drive product growth and ... Analyze, validate, track, and monitor delivered projects * Interact with Business Development and ...

Carmax

Analyst II, Credit Risk

Atlanta, GA

Analyze funding opportunities across the credit spectrum and contribute to the implementation of strategies. * Support and maintain forecasting and risk models, including multi-year funding forecasts ...

Carmax

Analyst II, Credit Risk

Kennesaw, GA · On-site

$70K - $105K/yr

Analyze funding opportunities across the credit spectrum and contribute to the implementation of strategies. * Support and maintain forecasting and risk models, including multi-year funding forecasts ...

Carmax

Director, Credit Risk & Analytics

Kennesaw, GA · On-site

$148K - $237K/yr

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest used-car retailer, CarMax Auto Finance (CAF) is the leader in making car financing simpler, fairer ...

CarMax, Inc.

Analyst II, Credit Risk

Kennesaw, GA · On-site

Analyze funding opportunities across the credit spectrum and contribute to the implementation of strategies. * Support and maintain forecasting and risk models, including multi-year funding forecasts ...

Regions Bank

Credit Risk Review Examiner

Atlanta, GA · On-site

Independently performs ad hoc analysis of often complex credit risk issues, frequently requiring aggregation of transaction data through use of spreadsheet or database software * Maintains ...

Carmax

Director, Credit Risk & Analytics

Atlanta, GA · On-site

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest used-car retailer, CarMax Auto Finance (CAF) is the leader in making car financing simpler, fairer ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Atlanta, GA

Credit Risk Analyst information

See Atlanta, GA salary details

$35.6K

$109.5K

$189.9K

How much do credit risk analyst jobs pay per year?

As of Jul 6, 2026, the average yearly pay for credit risk analyst in Atlanta, GA is $109,515.00, according to ZipRecruiter salary data. Most workers in this role earn between $79,300.00 and $135,100.00 per year, depending on experience, location, and employer.

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 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 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.

How much does a Credit Risk Analyst make?

The average salary for a Credit Risk Analyst is approximately $70,000 to $90,000 annually, depending on experience, location, and the company's size. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher compensation, often supplemented with bonuses and benefits.

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.

Will a credit analyst be replaced by AI?

Credit risk analysts perform tasks such as evaluating creditworthiness and analyzing financial data, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can assist with data processing and risk modeling, human analysts are still essential for complex decision-making and nuanced assessments. The role is evolving to include managing AI outputs and maintaining oversight of automated systems.

Does credit risk pay well?

Credit risk analysts typically earn competitive salaries that vary by experience, location, and industry. Entry-level positions may start lower, but with experience and certifications like CFA or FRM, salaries can increase significantly, often reaching above the national average for financial roles.

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.

What do credit risk analysts do?

Credit risk analysts evaluate the creditworthiness of individuals or organizations to determine the likelihood of default on loans or credit agreements. They analyze financial data, credit reports, and market conditions using tools like spreadsheets and credit scoring models to assess risk and support lending decisions.
More about Credit Risk Analyst jobs
What are the most commonly searched types of Credit Risk Analyst jobs in Atlanta, GA? The most popular types of Credit Risk Analyst jobs in Atlanta, GA are:
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What job categories do people searching Credit Risk Analyst jobs in Atlanta, GA look for? The top searched job categories for Credit Risk Analyst jobs in Atlanta, GA are:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Atlanta, GA as of June 2026, with employment types broken down into 1% As Needed, 65% Full Time, 26% Part Time, 7% Contract, and 1% Nights. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $109,515 per year, or $52.7 per hour.
Senior Credit Risk Analyst (Franchise Finance)

Senior Credit Risk Analyst (Franchise Finance)

Synovus

Atlanta, GA • On-site

Full-time

Posted 14 hours ago

Synovus rating

8.9

Company rating: 8.9 out of 10

Based on 27 frontline employees who took The Breakroom Quiz

9th of 144 rated banks

Job description

Job Summary:
Supports Wholesale bankers and Credit Risk Managers in the assessment of client credit risks as well as industry risks and trends. Conducts detailed credit analysis based on information provided by the borrower, publicly available information, evaluation of the borrower's credit needs, and the ability to pay across a range of products against established credit standards. Complies with internal policies and procedures and regulatory requirements. Assists and provides guidance to junior members of the team. Helps drive and support innovation and continuous efficiency improvements.
Job Duties and Responsibilities:
  • Works closely with bankers and Credit Risk Managers in the assessment of client credit risks as well as industry risks and trends. Prepares in-depth analyses of client financial statements, historical and projected operating performance, business plans, capital structures and other supplemental information from a wide variety of sources.
  • Prepares thorough servicing reviews on a periodic basis and participates in the risk rating verification process. Works with bankers and Credit Risk Managers regarding risk rating overrides. Conducts timely covenant compliance reviews and analyses. Assists CRMs in the monitoring of receipt of current and adequate financial statements. Completes spreads and also forwards statements for spreading and ensures upload to internal databases/systems.
  • Prepares analyses of traditional commercial lending, commercial real estate lending, leveraged financing, and cash flow lending, where applicable relative to assignments. Ensures all transactions and processing are in compliance with regulatory and company guidelines, policies and procedures. Prepares documentation for loan discussion, approval and committee presentation purposes at direction of Credit Risk Managers in conjunction with the Director, Credit Risk Analysts.
  • Supports bankers with large and/or complex client accounts. Works with bankers and Credit Risk Managers throughout the cross-selling process by identifying credit-worthy prospects.
  • May lead and direct workflow, assist, and provide guidance to junior members of the team. Helps drive and support innovation and continuous efficiency improvements. Participates in special projects as required
  • Each team member is expected to be aware of risk within their functional area. This includes observing all policies, procedures, laws, regulations and risk limits specific to their role. Additionally, they should raise and report known or suspected violations to the appropriate Company authority in a timely fashion.
  • Performs other related duties as required.

The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
Synovus is an Equal Opportunity Employer committed to fostering an inclusive work environment.
Minimum Education:
  • Bachelor's Degree in Business Administration, Finance, Accounting or related discipline or an equivalent combination of education and experience

Minimum Experience:
  • Three years of experience as a Wholesale Credit Analyst; or four years of credit analysis experience.

Required Knowledge, Skills, & Abilities:
  • Strong analytic and quantitative skills
  • Strong verbal and written communication skills
  • Proficiency using Microsoft Office software products including advanced Excel modeling skills

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