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

Abrigo

Senior Consultant

Austin, TX · On-site +1

... credit risk. We are seeking highly motivated candidates with deep expertise in credit and lending, strong analytical skills, and a strategic mindset. The ideal candidate will have a well-rounded ...

Sageworks

Senior Consultant

Austin, TX · On-site +1

... credit risk. We are seeking highly motivated candidates with deep expertise in credit and lending, strong analytical skills, and a strategic mindset. The ideal candidate will have a well-rounded ...

Fifth Third

Commercial Portfolio Manager

Austin, TX · On-site

Review and recommend credit decisions,perform final risk rating analysis,provide interpretation of credit policy to business partners,and escalatenon-standardor higher-risk requests asappropriate.

SmartBiz Bank

AVP, SBA Portfolio Manager

Austin, TX · On-site

$110K - $130K/yr

Experience analyzing financial statements and assessing credit risk including review of strength of borrower and internal and external stakeholder relationships * Excellent communication and ...

Crowe LLP

Loan Review Senior Consultant

Austin, TX · On-site

Analyze and conduct systematic loan reviews of business-related credits to ascertain adequacy of ... Prior experience with risk ratings, risk rating methodology, and allowance methodology would be a ...

Crowe LLP

Loan Review Senior Consultant

Austin, TX · On-site

Analyze and conduct systematic loan reviews of business-related credits to ascertain adequacy of ... Prior experience with risk ratings, risk rating methodology, and allowance methodology would be a ...

SmartBiz Loans

AVP, SBA Portfolio Manager

Austin, TX · On-site

$120 - $180/hr

Experience analyzing financial statements and assessing credit risk including review of strength of borrower and internal and external stakeholder relationships * Excellent communication and ...

AVIAT US INC

Credit & Collections Specialist

Austin, TX · On-site

$21.75 - $29/hr

The specialist ensures timely payment of outstanding invoices, reduces bad debt risk, and provides ... Demonstrated knowledge of credit analysis methods, including minimum proficiency in D&B and ...

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Showing results 41-60

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 Aug 26, 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 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 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 August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $112,853 per year, or $54.3 per hour.

Senior Consultant

Austin, TX • On-site, Remote

Abrigo
Finance and Insurance • 51 - 200 employees
Learn more about Abrigoexternal

Full-time

Medical, Retirement, PTO

Posted 14 days ago

Job description

We provide technology that community financial institutions use to manage risk and drive growth. Our solutions automate key processes – from anti-money laundering to fraud detection to CECL readiness to lending workflows – empowering our customers by addressing their Enterprise Risk Management needs.  

The Senior Consultant – Lending & Credit is a key role within the Advisory Services team reporting to the Director of Lending and Credit Advisory services, focused on providing expert guidance to financial institutions. This position involves leading advisory engagements, delivering strategic recommendations, and serving as a subject matter expert in banking and financial services. As part of a dynamic and growing team, this role offers opportunities to work with a variety of clients, providing best practices and formal deliverables across multiple areas of lending and credit risk.

We are seeking highly motivated candidates with deep expertise in credit and lending, strong analytical skills, and a strategic mindset. The ideal candidate will have a well-rounded understanding of financial institution operations, experience working in leadership roles within banking, and the ability to translate complex concepts into actionable recommendations for clients.

Applicants may choose to work remotely or be hybrid-based at our office in Raleigh (NC) or Austin (TX).

What You'll Do:

  • Lead advisory engagements and serve as a subject matter expert in lending, credit risk, and financial strategy.
  • Provide recommendations and develop deliverables on best practices for credit and lending policies and procedures.
  • Consult clients in developing small business lending decision models.
  • Analyze and optimize loan origination workflow efficiencies, ensuring alignment with industry best practices from application to loan closing.
  • Guide financial institutions in establishing and refining credit risk frameworks, including risk rating systems and risk scorecards.
  • Stay current on credit-related compliance requirements and demonstrate a willingness to research and integrate new regulations into advisory offerings.
  • Support financial institutions in enterprise strategic planning initiatives.
  • Deliver formal reports and presentations to client leadership teams, ensuring actionable insights and high-quality recommendations.
  • Provide insights and thought leadership on topics that define the current banking landscape.
  • Other duties as assigned.
  • Occasional travel required for team events to support engagement, relationship-building, and key decision-making.

What You'll Need:

  • Bachelor’s degree in accounting, finance, or a related field.
  • Certifications, such as CPA, banking/finance certifications, and/or graduate school of banking completion preferred.
  • Proven experience in developing, implementing, and refining credit policies to align with regulatory requirements and institutional risk management strategies.
  • Prior experience in enterprise strategic planning.
  • A broad range of experience, preferably in community banking, with exposure to multiple functional areas.
  • Executive committee experience may substitute for direct lending experience.
  • Familiarity with small business lending decision modeling, loan pricing, strategic planning, and asset-liability management components is a plus.
  • Ability to quickly adapt to new technologies and industry advancements.
  • Proactive approach to leveraging innovative tools and solutions to enhance client outcomes.

What You’ll Get:

  • Market competitive total rewards package
  • To be part of the Heart & SOUL of a winning company with an inspiring mission
  • The opportunity to Make Big Things Happen
  • Competitive salary along with full health benefits with an HSA option
  • Flexible PTO and bank holidays
  • 401(k) plan and company match

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, age, genetic trait, sexual orientation, national origin, disability status, or any other characteristic protected by law. Abrigo is committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. If you need assistance or an accommodation due to a disability, you may contact us at Careers@abrigo.com with the subject line accommodation.

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