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Credit Risk Analyst Jobs in Cincinnati, OH (NOW HIRING)

MyUSA Credit Union

Credit Risk Analyst

Middletown, OH · On-site

The Credit Risk Analyst assists the Lending Manager in developing strategies to increase lending activity at MyUSA. They perform credit and risk analysis to assess opportunities for increasing direct ...

TQL

Credit Risk Analyst

Cincinnati, OH

As a Credit Analyst you will be responsible for offering credit services to our customers. This ... Perform proactive risk reviews on a portfolio of customer accounts and collaborate with assigned ...

US Bank

Credit Risk Analyst

Cincinnati, OH · Hybrid

The organization's risk management structure is designed to promote effective governance and risk ... This role will perform data analyses and share results, using such tools as SAS, SQL, Toad, Python ...

Fifth Third Bank

Credit Risk Officer II

Cincinnati, OH · On-site

Monitors credit quality through forward looking analysis as well as reviewing system-generated reports. Responsible and accountable for credit risk management and constructive, credible challenge by ...

Fifth Third

Credit Risk Officer II

Cincinnati, OH

Monitors credit quality through forward looking analysis as well as reviewing system-generated reports. Responsible and accountable for credit risk management and constructive, credible challenge by ...

Medpace

Credit and Risk Manager

Cincinnati, OH · On-site

$85 - $120/hr

This includes developing analytics to assist in the identification and evaluation of all risks ... Demonstrate technical expertise in the area of credit risk. * Provide direct support within the ...

Medpace, Inc.

Credit and Risk Manager

Cincinnati, OH · On-site +1

This includes developing analytics to assist in the identification and evaluation of all risks ... Demonstrate technical expertise in the area of credit risk. * Provide direct support within the ...

Medpace, Inc.

Credit and Risk Manager

Cincinnati, OH · On-site

This includes developing analytics to assist in the identification and evaluation of all risks ... Demonstrate technical expertise in the area of credit risk. * Provide direct support within the ...

Medpace, Inc.

Risk Manager

Cincinnati, OH · On-site +1

Escalates highest risk customers to Executive management * Perform ad-hoc analysis of customer ... Report and analyze characteristics of the Customer Credit in relation to policies, guidelines and ...

Medpace, Inc.

Risk Manager

Cincinnati, OH · On-site

Escalates highest risk customers to Executive management * Perform ad-hoc analysis of customer ... Report and analyze characteristics of the Customer Credit in relation to policies, guidelines and ...

US Bank

Impact Finance Officer

Cincinnati, OH · On-site

... credit risk strategy and ensure we meet core business objectives Self-starter, ability to quickly assimilate and analyze large amounts of information across a variety of topics Strong tenacity and ...

KeyCorp

Senior Credit Officer, Payments

Cincinnati, OH · On-site

$96K - $181K/yr

Review, analyze, and adjudicate complex credit requests for Payments-Only relationships, with a primary focus on higher-risk profiles and large exposures (over $10 million). Target client profile may ...

Keybank

Senior Credit Officer, Payments

Cincinnati, OH · Hybrid

$96K - $181K/yr

Review, analyze, and adjudicate complex credit requests for Payments-Only relationships, with a primary focus on higher-risk profiles and large exposures (over $10 million). Target client profile may ...

Key Bank

Senior Credit Officer, Payments

Cincinnati, OH · On-site

$96K - $181K/yr

Review, analyze, and adjudicate complex credit requests for Payments-Only relationships, with a primary focus on higher-risk profiles and large exposures (over $10 million). Target client profile may ...

US Bank

Credit Analyst (Multiple Levels)

Hamilton, OH · On-site

... Credit Analyst conducts a complete credit analysis, including gathering, analyzing, and ... risk and potential loss to the company. Supports relationship managers and business banking ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Cincinnati, OH

Credit Risk Analyst information

See Cincinnati, OH salary details

$35.5K

$109.3K

$189.5K

How much do credit risk analyst jobs pay per year?

As of Aug 23, 2026, the average yearly pay for credit risk analyst in Cincinnati, OH is $109,266.00, according to ZipRecruiter salary data. Most workers in this role earn between $79,200.00 and $134,800.00 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 Cincinnati, OH?

The most popular types of Credit Risk Analyst jobs in Cincinnati, OH are:

What are popular job titles related to Credit Risk Analyst jobs in Cincinnati, OH?

For Credit Risk Analyst jobs in Cincinnati, OH, the most frequently searched job titles are:

What job categories do people searching Credit Risk Analyst jobs in Cincinnati, OH look for?

The top searched job categories for Credit Risk Analyst jobs in Cincinnati, OH are:

What cities near Cincinnati, OH are hiring for Credit Risk Analyst jobs?

Cities near Cincinnati, OH with the most Credit Risk Analyst job openings:

Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Cincinnati, OH as of August 2026, with employment types broken down into 56% Full Time, and 44% Part Time. Highlights an 50% In-person, and 50% Hybrid job distribution, with an average salary of $109,266 per year, or $52.5 per hour.

Credit Risk Analyst

MyUSA Credit Union

Middletown, OH • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 8 days ago

Job description

Come grow with us! MyUSA Credit Union is a member-owned, over $350 million financial institution with offices in Middletown (2), Trenton, Kettering (2), Moraine, Springfield and Vandalia. Our mission is simple, we serve people, not profits and we deliver top-tier results for our members while remaining affordable, trusted, and local.
We are seeking a full-time, onsite Credit Risk Analyst at our corporate branch in Middletown, OH. The Credit Risk Analyst assists the Lending Manager in developing strategies to increase lending activity at MyUSA. They perform credit and risk analysis to assess opportunities for increasing direct lending by analyzing financial ratios, industry trends, benchmarks and practices based upon appropriate level of risk.
Responsibilities include:
  • Compiles Loss Scenario Analysis to increase and maximize lending production.
  • Explores, recommends, and implements non-credit bureau-based lending criteria and practice, including AI tools.
  • Assist Lending Manager with development of analytics to maximize ROI of lending initiatives.
  • Develops internal expertise on pre-approval criteria as a credit union core competency.
  • Develops routine reporting and analysis on industry-wide lending plans and initiatives for MyUSA.
  • Ensures compliance with Credit Union policies and procedures, as well as all State and Federal lending regulations and underwriting practices.
Qualifications include:
  • Strong organizational and analytical skills
  • Excellent verbal and written communication skills
  • Working knowledge of various lending platforms
  • Strong knowledge of financial institution lending strategies, and credit score models
  • Proficient with Microsoft Office, including Excel, and PowerPoint
  • Bachelor’s degree in business or finance related field, or equivalent through a combination of experience and training
  • Background in lending and underwriting preferred
MyUSA Credit Union is an equal opportunity employer.
Job Type: Full-time, Salary exempt
Benefits:
  • 401(k) Matching to 5%, immediately vested
  • Generous Paid Time Off plans
  • Company paid Life, AD amp;D and Disability Insurance
  • Credit Union membership
  • Health, Dental, amp; Vision insurance
  • Employee Assistance Program
  • Flexible Spending Account
  • Health Savings Account
  • Tuition assistance
  • Referral program
Physical setting:
  • Casual office environment
Schedule:
  • Day shift business hours

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