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Credit Risk Analyst Jobs in Birmingham, AL (NOW HIRING)

First US Bank

Commercial Loan Officer

Birmingham, AL · On-site

Must have the ability to analyze credit requests, structure credit proposals, advise clients on ... Strong background in commercial risk analysis, underwriting, loan structure, and regulatory ...

First US Bank

Commercial Loan Officer

Birmingham, AL · On-site

Must have the ability to analyze credit requests, structure credit proposals, advise clients on ... Strong background in commercial risk analysis, underwriting, loan structure, and regulatory ...

PNC Bank

Business Analytics Consultant Senior

Birmingham, AL · On-site

$55K - $109K/yr

As a Senior Business Analytics Consultant supporting Consumer Credit Card Finance, you will serve ... Managing Risk - Assessing and effectively managing all of the risks associated with their business ...

Fifth Third

Commercial RM IV

Birmingham, AL · On-site

... of credit, commercial products and financial statement analysis, in order to offer beneficial ... Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Birmingham, AL

Credit Risk Analyst information

See Birmingham, AL salary details

$34.7K

$106.7K

$185.1K

How much do credit risk analyst jobs pay per year?

As of Aug 8, 2026, the average yearly pay for credit risk analyst in Birmingham, AL is $106,728.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,300.00 and $131,700.00 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.

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 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.

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 Birmingham, AL? The most popular types of Credit Risk Analyst jobs in Birmingham, AL are:
What are popular job titles related to Credit Risk Analyst jobs in Birmingham, AL? For Credit Risk Analyst jobs in Birmingham, AL, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Birmingham, AL look for? The top searched job categories for Credit Risk Analyst jobs in Birmingham, AL are:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Birmingham, AL as of August 2026, with employment types broken down into 95% Full Time, and 5% Contract. Highlights an 85% In-person, and 15% Remote job distribution, with an average salary of $106,728 per year, or $51.3 per hour.

Huntington Public Capital Sales Executive

Huntington

Birmingham, AL • On-site, Remote

$70K - $105K/yr

Full-time

Re-posted 5 days ago

Job description

Description

This position can be located at a Huntington office location within MS, AR, AL, LA, TN.

Position Overview

As a member of Huntington’s Public Capital team, the colleague will be responsible for developing and maintaining profitable municipal lending relationships within an assigned geographic territory. Key responsibilities include:

  • Develop and manage municipal lending relationships within the assigned territory
  • Build and maintain relationships with key centers of influence, including: Municipal attorneys, Municipal advisors, Vendors, Government and industry associations
  • Identify and uncover direct and indirect municipal lending opportunities
  • Review municipal financial statements and assess credit quality
  • Structure and price municipal leases and loans
  • Partner with the portfolio management team to support underwriting and credit approval
  • Collaborate with sales coordinators to manage documentation, closing, and customer servicing
  • Deepen customer relationships by uncovering needs and referring opportunities to other areas of the bank
  • Maintain an accurate and up-to-date sales pipeline and proactively work opportunities to close
  • Partner effectively with credit and risk colleagues to ensure sound deal execution
  • Identify and mitigate credit risk while adhering to bank policies, procedures, and regulatory requirements
  • Demonstrate a commitment to continuous learning and skill development
  • Participate in community service, including potential service on nonprofit boards
  • Attend industry conferences and actively build relationships across the municipal finance community

Basic Qualifications

  • Bachelor’s degree
  • 5+ years of experience in municipal bond or public lending

Preferred Qualifications

  • Proven track record of meeting or exceeding sales targets
  • Demonstrated success within the municipal or public finance industry
  • History of exceeding lending production goals, including call activity, new customer acquisition, loan funding, portfolio profitability
  • Disciplined, motivated self-starter able to manage business development with minimal oversight
  • Strong ability to analyze municipal financial statements
  • Active involvement in community and/or nonprofit organizations
  • Proficiency with Microsoft Word, Excel, and PowerPoint
  • Proven negotiation skills
  • Strong written and verbal communication skills

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Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)

Yes

Workplace Type:

Office

Our Approach to Office Workplace Type

Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds:  in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Note to Agency Recruiters:  Huntington Bank will not pay a fee for any placement resulting from the receipt of an unsolicited resume.  All unsolicited resumes sent to any Huntington Bank colleagues, directly or indirectly, will be considered Huntington Bank property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

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