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Credit Risk Analyst Jobs in Boca Raton, FL (NOW HIRING)

Seacoast Bank

Commercial Underwriter II

Boca Raton, FL · On-site

Formal commercial credit training preferred. * Ability to develop and sustain analytic and risk management skills while actively participating in the successful execution of complex transactions.

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Credit Risk Analyst information

See Boca Raton, FL salary details

$35.1K

$108.1K

$187.4K

How much do credit risk analyst jobs pay per year?

As of May 29, 2026, the average yearly pay for credit risk analyst in Boca Raton, FL is $108,069.00, according to ZipRecruiter salary data. Most workers in this role earn between $78,300.00 and $133,300.00 per year, depending on experience, location, and employer.

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.

More about Credit Risk Analyst jobs
What are popular job titles related to Credit Risk Analyst jobs in Boca Raton, FL? For Credit Risk Analyst jobs in Boca Raton, FL, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Boca Raton, FL look for? The top searched job categories for Credit Risk Analyst jobs in Boca Raton, FL are:
What cities near Boca Raton, FL are hiring for Credit Risk Analyst jobs? Cities near Boca Raton, FL with the most Credit Risk Analyst job openings:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Boca Raton, FL as of May 2026, with employment types broken down into 1% As Needed, 82% Full Time, 13% Part Time, 1% Temporary, and 3% Contract. Highlights an 71% Physical, 4% Hybrid, and 25% Remote job distribution, with an average salary of $108,069 per year, or $52 per hour.

Credit Products Manager Sr - Leisure, Hospitality and Gaming

Flagstar Bank

Palm Beach, FL • On-site

Full-time

Medical, Dental, Vision, Life

Posted 15 days ago

Job description

Position Title

Credit Products Manager Sr - Leisure, Hospitality and Gaming

Location

New York, NY 10018

Job Summary

The Senior Manager of Credit Products - Leisure, Hospitality and Gaming business vertical is responsible for overseeing first-line credit underwriting and portfolio management within an assigned vertical, ensuring alignment with the bank's risk appetite and business objectives. This role manages a team of underwriters and credit professionals, ensuring accurate risk grading, loan evaluation, and ongoing portfolio monitoring. Utilizing data-driven insights and portfolio analytics, the Senior Manager identifies emerging risks and opportunities, providing recommendations to leadership to support sound credit decisions. Collaborating with sales, risk, and technology teams, this role helps drive responsible growth, improve underwriting processes, and enhance credit product offerings. With a focus on operational execution, regulatory compliance, and continuous improvement, the Senior Manager plays a key role in maintaining portfolio quality and supporting the bank's long-term success.

Job Responsibilities:

JOB RESPONSIBILITIES

  • Maintains visibility and deep knowledge of bank relationships within the assigned specialized region or vertical to ensure alignment with business objectives.
  • Executes on the strategic priorities set by the Head of Credit Products, Line of Business leaders, Credit Products Senior Director and 2nd and 3rd Line Risk partners to ensure alignment with enterprise goals.
  • Proactively identifies and escalates areas for improvement in credit processes, policies and procedures
  • Maintains the credit quality of assigned portfolios and/or lending verticals by overseeing underwriting, portfolio management, and risk monitoring activities.
  • Establishes and fosters a shared vision across assigned regions and verticals, ensuring consistency in credit decisioning and risk management practices.
  • Attracts, develops, and retains top talent within Credit Products by providing leadership, coaching, and professional development opportunities for underwriters, portfolio managers, and credit analysts.
  • Collaborates closely with Sales, Credit Products, and Risk teams to drive responsible growth, optimize credit decisioning, and enhance portfolio performance
  • Serves as a key point of contact for deal flow assignment, credit risk reviews, and escalations, ensuring timely and well-informed credit decisions.
  • Leverages data-driven insights and analytics to identify emerging credit risks and opportunities, proactively adjusting strategies as needed.
  • Well versed in legal documentation (e.g., Credit Agreements) and positioned to both develop more junior associates on the topic and interact with internal and external legal counsel and negotiate terms directly with clients.
  • Ensures compliance with regulatory requirements, internal policies, and risk frameworks while supporting continuous process improvements.
  • Provides credit risk reporting and analysis to senior leadership, contributing to portfolio strategy and risk management discussions.
  • Partners with legal and compliance teams to ensure underwriting and portfolio management practices align with all regulatory requirements.
  • Supports senior leadership in delivering portfolio analysis and reporting, contributing to strategic decision-making.
  • Recruits, develops and trains top credit underwriting and portfolio management talent.

ADDITIONAL ACCOUNTABILITIES

  • Performs special projects, to include continuous improvement and transformation initiatives, and additional duties and responsibilities as required.
  • Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.

JOB REQUIREMENTS

Required Qualifications:

  • Education level required: Undergraduate Degree (4 years or equivalent) in Business, Economics or related field.
  • Minimum experience required: 12+ Years of 1st line of defense leveraged finance credit underwriting, portfolio management, and risk management experience within the Financial Industry including credit strategy and credit analytics. Banking experience in the Leisure, Hospitality and Gaming sector is preferred.
  • 5+ years of experience in managing teams of credit analysts, underwriters in the specialty vertical.
  • 5+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)
  • Experience and expertise in credit bureaus, credit decision engines, credit and cash flow modeling for underwriting and portfolio management decisions, income/identity verification and loss forecasting.


Preferred Qualifications:

  • Education level preferred: Master's Degree (or Postgraduate equivalent)

Job Competencies:

  • Strong knowledge of federal and state laws and regulations related to credit decisions, ensuring compliance in underwriting and portfolio management.
  • Proficiency in credit bureaus, credit decision engines, underwriting models, and portfolio management strategies, with experience in income/identity verification and risk assessment.
  • Effective communication and presentation skills, with the ability to translate credit analysis into actionable strategies and policies for key stakeholders.
  • Demonstrated ability to contribute to business strategy by incorporating industry knowledge and market trends into credit risk assessments and recommendations.
  • Proven ability to manage multiple priorities, meet deadlines, and execute tasks efficiently in a fast-paced environment.
  • Strong leadership and team development skills, fostering collaboration, coaching, and professional growth within the credit team.
  • Physical demands (ADA): No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer

We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information:Benefits | Flagstar Bank

Pay Range

$143,247.00 - $238,613.00

Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as appliable.

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