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Credit Risk Analyst Jobs in Austin, TX (NOW HIRING)

Visa

Director, VCA NA Risk Practice

Austin, TX

This role requires deep expertise in credit risk frameworks, and data analytics, with a strong focus on innovation and operational efficiency. Specific responsibilities include * Proactively engage ...

Western Alliance Bank

Senior Credit Analyst

Austin, TX

$36.74 - $45.38/hr

Review client financials and perform sensitivity analysis to evaluate credit risk in connection with Bank structures. Prepare in-depth reports providing plans of action based on qualitative and ...

Texascapitalbank

Credit Officer

Austin, TX

Expert ability to analyze and evaluate credit risk, with expert ability to escalate recommendations and influence change * Expert ability to interact, negotiate, and influence at executive levels ...

THIRD COAST BANK

Regional Credit Officer

Austin, TX · On-site

Partner with Finance and Credit Administration regarding CECL, portfolio analytics, and risk reporting initiatives. Strategic Initiatives * Participate in enterprise-wide projects related to credit ...

Glacier Bancorp, Inc.

Credit Analyst II

Austin, TX

Performs financial analysis, complete annual review loan packages, and make recommendations on ... Perform regular loan portfolio reviews based on risk and/or size of all credit types (commercial ...

Q2

Senior Fraud Analyst

Austin, TX

Q2 is a leading provider of digital banking and lending solutions to banks, credit unions ... The ideal candidate will work closely with other fraud and risk, and product owners on the team to ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Austin, TX

Credit Risk Analyst information

See Austin, TX salary details

$36.7K

$112.9K

$195.7K

How much do credit risk analyst jobs pay per year?

As of Jul 29, 2026, the average yearly pay for credit risk analyst in Austin, TX is $112,853.00, according to ZipRecruiter salary data. Most workers in this role earn between $81,800.00 and $139,200.00 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 Austin, TX? The most popular types of Credit Risk Analyst jobs in Austin, TX are:
What are popular job titles related to Credit Risk Analyst jobs in Austin, TX? For Credit Risk Analyst jobs in Austin, TX, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Austin, TX look for? The top searched job categories for Credit Risk Analyst jobs in Austin, TX are:
What cities near Austin, TX are hiring for Credit Risk Analyst jobs? Cities near Austin, TX with the most Credit Risk Analyst job openings:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Austin, TX as of July 2026, with employment types broken down into 57% Full Time, and 43% Part Time. Highlights an 50% In-person, and 50% Hybrid job distribution, with an average salary of $112,853 per year, or $54.3 per hour.

Credit Analyst

University Federal Credit Union

Austin, TX • On-site

Full-time

Re-posted 12 days ago

Job description

Job Summary
The Credit Analyst supports UFCU's Lending Team and Credit Council by delivering high-quality, insight-driven analysis across consumer, mortgage, and business lending portfolios. This hybrid role blends lending analytics, credit risk evaluation, and operational reporting to enhance decision quality and ensure safe, sound, member-centric lending.
The Credit Analyst plays a pivotal role in UFCU's digital business design by synchronizing data, processes, and people across silos, improving the accuracy, transparency, and speed of credit-related decisions.
This role is ideal for someone who is analytical, structured, collaborative, and driven to improve how teams make decisions together - aligned with UFCU's culture of clarity, consistency, and empowerment.
The Credit Analyst reports to the Chief Lending Officer
About UFCU
Our Credit Union was founded in 1936 and has grown to serve members throughout Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures.
In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values:
Purposefully Member-Obsessed
We are driven by a profound sense of empathy to deeply understand our Members' needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members' best interests, forever seeking to empower their financial success.
Possibilities Reimagined
We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.
Performance Excellence Rooted in Unwavering Integrity
We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.
Essential Functions
Portfolio & Credit Analytics
  • Produce timely, accurate analytics for loan portfolios, including delinquency, charge-off trends, loan mix, exception rates, and credit tier performance.
  • Support development and maintenance of portfolio dashboards using data visualization tools (e.g., Power BI).
  • Conduct trend analysis on credit quality, origination, risk migration, and evaluate performance of scoring models to enhance credit decisioning.
  • Provide underwriting and pricing insights based on risk-adjusted return and member behavior metrics.

Credit Council Packet & Reporting
  • Own preparation of the quarterly Credit Council packet with CLO.
  • Validate all KRIs and KPIs for accuracy, completeness, and consistency with Enterprise Risk Management.
  • Partner with Lending, Finance, and Compliance to ensure reports reflect up-to-date policy, regulatory, and CECL considerations
  • Present analytical findings clearly and tactfully to support strong cross-functional discussion.

Risk Management & Compliance Support
  • Assist in CECL modeling inputs, stress-testing routines, and static pool performance analysis.
  • Help ensure compliance with NCUA requirements and internal policy standards through data and analytic support.
  • Support independent loan review preparation and quality control metrics.

Cross-Functional Collaboration
  • Work closely with internal partners (Lending, ERM, Finance, Compliance, Technology) to ensure data alignment and decision-quality improvements.
  • Demonstrate strong relational skills and tactful communication to support constructive, trust-centered dialogue.
  • Serve as a connector across silos, enabling decision coordination and shared understanding in support of UFCU's digital business design.

Process Enhancement & Innovation
  • Recommend improvements to underwriting standards, exception processes, and automated decisioning rules based on data insights.
  • Identify data gaps and propose enhancements to systems, reporting structures, and workflows.
  • Support development of a scalable analytics framework that adapts to UFCU's evolving lending strategies and digital offerings.

Other
  • Adheres to all company policies, procedures, and business ethics codes.
  • Completes required regulatory training as assigned.
  • Maintains strict adherence to and compliance with all laws, rules, regulations, and internal controls specific to the role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations.

Knowledge/Skills/Abilities
Knowledge
  • Deep understanding of credit risk principles, financial statement analysis, and regulatory requirements.
  • Familiarity with credit risk models, loan origination systems, and specialized risk assessment software.

Skills
  • Strong proficiency with Excel and experience with SQL and business intelligence tools (e.g., Power BI, Tableau).
  • Familiarity with CECL methodologies, loan origination systems, and portfolio management tools.
  • Strong quantitative reasoning and ability to synthesize complex information into clear, actionable insights.

Abilities
  • High personal standards, discipline, and follow-through.
  • Analytical discernment - able to evaluate ideas and proposals with balanced, practical judgment.
  • Relationship-oriented communicator who builds trust across teams.
  • Calm, steady presence with resilience under pressure.
  • Commitment to UFCU's member-centric mission and collaborative culture.

Core Competencies
  • Demonstrating Member Obsession
  • Puts themselves in the Member's shoes
  • Looks for friction points
  • Makes it personalized and easy
  • Demonstrating Performance Excellence
  • Sets standards for elevating excellence
  • Ensures elevated quality
  • Takes responsibility
  • Conducts continuous improvement
  • Demonstrating Innovation
  • Challenges current thinking
  • Approaches change with a positive mindset

Experience
Minimum Requirements
  • Bachelor's degree in Finance, Economics, Business, Data Analytics, or a related field required.
  • Minimum 2-4 years of experience in lending, credit analytics, risk management, or financial analysis.
  • Strong analytical and quantitative skills, with proficiency in portfolio analysis, risk modeling, and operational reporting.
  • Experience with data analytics tools and reporting platforms (e.g., Excel, SQL, Tableau, Power BI); experience with digital lending tools is a plus.
  • Advanced Excel, SQL, Power BI, Tableau.
  • Experience in a credit union or regulated financial institution.
  • Must be bondable.

Preferred Requirements
  • DataBricks or Snowflake experience.

Physical Demands
The physical demands described are representative of those that must be met by an employee, with or without accommodation, to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Frequent
  • While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
  • Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and ability to adjust focus.
  • Employee will make extensive use of the telephone and virtual communications requiring the ability to explain complex information effectively and accurately.

Work Environment
The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.
  • This position is a hybrid role and requires frequently working onsite at UFCU Plaza in Austin, Texas.
  • This position may involve periodic stressful conditions.
  • May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
  • May occasionally move from one work location/branch to another.
  • Public contact position, requiring appropriate professional appearance.
  • Frequent computer use at a workstation of up to two hours at a time.
  • The noise level in the work environment is usually

#INDUFCU
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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