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

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 ...

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 ...

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 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 ...

The position will assist the Directors in the analysis, servicing, and reporting of the loan ... Must be able to accurately identify, measure and manage risk in loans, loan portfolios and direct ...

The position will assist the Directors in the analysis, servicing, and reporting of the loan ... Must be able to accurately identify, measure and manage risk in loans, loan portfolios and direct ...

The position will assist the Directors in the analysis, servicing, and reporting of the loan ... Must be able to accurately identify, measure and manage risk in loans, loan portfolios and direct ...

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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 Jun 15, 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 at Goldman Sachs is typically between $70,000 and $120,000 annually, depending on experience, location, and level of seniority. Compensation may also include bonuses and benefits, with higher salaries often associated with advanced certifications and specialized skills in risk assessment and financial analysis.

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 financial data and assessing creditworthiness, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can automate data analysis and streamline processes, human analysts are still essential for complex decision-making and risk assessment. The role is evolving to include working alongside AI technologies to improve efficiency and accuracy.

How much do risk analysts get paid?

Risk analysts, including credit risk analysts, typically earn a median annual salary of around $70,000 to $90,000, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications like CFA or FRM can earn higher salaries and bonuses.

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 economic trends, often using specialized software, to assess risk levels and recommend credit limits or approval decisions. Their work helps financial institutions manage potential losses and ensure sound lending practices.
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:
Structured Finance - Structured Credit Alternative Products, Director - Austin

Structured Finance - Structured Credit Alternative Products, Director - Austin

Fitch Solutions

Austin, TX • Hybrid

Other

Retirement

Posted 10 days ago


Job description

As one of the world's top three credit ratings agencies, Fitch Ratings plays a critical role in global capital markets by providing supplementary credit analysis, ratings, research, and commentary to financial market participants. For over 100 years, Fitch Ratings has been creating value for global markets through its rigorous analysis and deep expertise, which have resulted in a variety of market leading tools, methodologies, indices, research, and analytical products. Fitch Ratings is part of Fitch Group, a global leader in financial information services with operations in more than 30 countries, which also includes Fitch Solutions. With dual headquarters in London and New York, Fitch Group is owned by Hearst.


At Fitch Ratings, credit analysts play a pivotal role in moving markets, as quality credit analysis is the lifeblood of our organization. With a legacy of over a century, our unique approach to credit ratings offers unmatched opportunities for professional growth. Embracing a "challenger mindset," you'll join a team dedicated to innovating service to our clients. Our people-driven analysis thrives on collaboration across all levels and locations, surpassing traditional financial modeling. Lastly, as part of our global community, you'll find inspiration, challenge, and support, with ample opportunities for visibility and influence in the global financial marketplace.


Want to learn more about a career as a credit analyst at Fitch Ratings? Visit: https://careers.fitch.group


Fitch Ratings is seeking a Director to join its Structured Credit Alternative Products group in our Austin office. 

 

The individual will focus on new transaction proposals that incorporate securitization principals of various types of rated note feeders, synthetic risk transfers, structured credit loan facilities, CLO lite structures, and other private credit transactions backed by debt.

 

About the Team:

  • A collaborative, team-oriented work environment where excellent communication skills are essential
  • An opportunity to be a lead coverage analyst at a global rating agency
  • A role that aids debt capital markets in making more informed decisions through timely, insightful, and forward-looking rating actions and research

How You'll Make an Impact:

  • Analyze critical credit, legal, and structural elements of transaction proposals
  • Acting as primary or secondary analyst for transaction ratings in a highly dynamic sector. This includes forming analytical views and recommendations, presenting these to rating committees and defending credit views in discussions with issuers and investors
  • Contribute to the development of rating criteria, including forming recommendations to bolster analysis and iteratively improve existing frameworks
  • Lead and/or support sector trend research reports and projects

You May be a Good Fit if:

  • You hold a Bachelor's or Master's degree in a quantitative discipline such as finance, accounting, or economics
  • You have at least 8 years of experience in the financial industry, preferably but not necessarily related to Structured Credit, Structured Finance, Fund Finance or Corporate Direct Lending
  • You possess strong analytical thinking, intellectual curiosity, and attention to detail
  • You demonstrate a high level of personal responsibility, initiative, and self-management
  • You are proficient with the Microsoft Office suite; knowledge of programming languages is a plus but not required

What Would Make You Stand Out:

  • Ability to convey complex subjects clearly and concisely
  • Open-mindedness and ability to understand alternative viewpoints
  • Demonstrated competency in credit analysis
  • Proficiency with rating agency methodologies and experience assessing credit risk

Why Choose Fitch:

  • Hybrid Work Environment: 3 days a week in office required based on your line of business and location
  • A Culture of Learning & Mobility: Dedicated trainings, leadership development and mentorship programs designed to ensure that your time at Fitch will be a continuous learning opportunity
  • Investing in Your Future: Retirement planning and tuition reimbursement programs that empower you to achieve your short and long-term goals
  • Promoting Health & Wellbeing: Comprehensive healthcare offerings that enable physical, mental, financial, social, and occupational wellbeing
  • Supportive Parenting Policies: Family-friendly policies, including a generous global parental leave plan, designed to help you balance career and family life effectively
  • Inclusive Work Environment: A collaborative workplace where all voices are valued, with Employee Resource Groups that unite and empower our colleagues around the globe

Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch's credibility and reputation, our employees must take every precaution to avoid conflicts of interest or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work.
Fitch is proud to be an Equal Opportunity and Affirmative Action Employer. We evaluate qualified applicants without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, disability, protected veteran status, and other statuses protected by law.

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