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

Responsibilities Credit Risk & Analysis * Evaluate Creditworthiness: Review and analyze credit applications, financial statements, trade/bank references, and external reports (Moody's Analytics ...

The Credit Analyst I will be responsible for evaluating customer creditworthiness, analyzing financial data, and supporting risk management decisions to minimize company exposure while maintaining ...

Advanced counterparty credit analysis and underwriting expertise in energy trading Strong knowledge of exposure measurement (MTM, potential future exposure, receivables risk) * Deep understanding of ...

Advanced counterparty credit analysis and underwriting expertise in energy trading Strong knowledge of exposure measurement (MTM, potential future exposure, receivables risk) * Deep understanding of ...

Monitor and analyze market and credit risks, including stress testing, exposure limits, and value at risk (VaR). * Provide timely insights and recommendations to senior management based on the ...

The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling. The Credit Analyst II is expected to build proficiency in underwriting ...

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Credit Risk Analyst information

See Conroe, TX salary details

$31.7K

$97.5K

$169.1K

How much do credit risk analyst jobs pay per year?

As of Jul 15, 2026, the average yearly pay for credit risk analyst in Conroe, TX is $97,497.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,600.00 and $120,300.00 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 is approximately $70,000 to $90,000 annually, depending on experience, location, and the company's size. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher compensation, often supplemented with bonuses and benefits.

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 creditworthiness and analyzing financial data, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can assist with data processing and risk modeling, human analysts are still essential for complex decision-making and nuanced assessments. The role is evolving to include managing AI outputs and maintaining oversight of automated systems.

Does credit risk pay well?

Credit risk analysts typically earn competitive salaries that vary by experience, location, and industry. Entry-level positions may start lower, but with experience and certifications like CFA or FRM, salaries can increase significantly, often reaching above the national average for financial roles.

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 market conditions using tools like spreadsheets and credit scoring models to assess risk and support lending decisions.
What are popular job titles related to Credit Risk Analyst jobs in Conroe, TX? For Credit Risk Analyst jobs in Conroe, TX, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Conroe, TX look for? The top searched job categories for Credit Risk Analyst jobs in Conroe, TX are:
What cities near Conroe, TX are hiring for Credit Risk Analyst jobs? Cities near Conroe, TX with the most Credit Risk Analyst job openings:
Global Credit Risk Manager

Global Credit Risk Manager

Marathon Petroleum Corporation

Houston, TX • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

This job post has expired today. Applications are no longer accepted.


Marathon Petroleum rating

6.4

Company rating: 6.4 out of 10

Based on 201 frontline employees who took The Breakroom Quiz

49th of 75 rated oil and gas companies


Job description

An exciting career awaits you


At MPC, we're committed to being a great place to work - one that welcomes new ideas, encourages diverse perspectives, develops our people, and fosters a collaborative team environment.

POSITION SUMMARY:

The Global Credit Risk Manager is a key leadership role within Corporate Finance & Treasury responsible for overseeing credit risk management across a diverse and complex portfolio of commercial relationships spanning domestic and international markets. This position leads a team of credit analysts and is accountable for ensuring consistent, high-quality credit evaluation, monitoring, and decision-making aligned with enterprise policies and risk standards.

This role serves as a strategic partner to Commercial, Finance, and cross-functional stakeholders, providing insight and guidance on credit-related matters to support informed business decisions while maintaining appropriate risk controls. The Global Credit Risk Manager balances risk mitigation with business objectives, navigating varying market conditions and customer dynamics to effectively manage credit exposure.

The position also plays a critical role in strengthening internal processes and capabilities by enhancing reporting, analytics, and tools that provide transparency into credit risk and support leadership discussions. Additionally, the role drives continuous improvement initiatives, supports organizational priorities, and contributes subject matter expertise to special projects that advance the effectiveness and maturity of the credit function.

KEY RESPONSIBILITIES:

  • Leads and develops a team of credit analysts, providing day-to-day direction, coaching, and performance feedback to ensure consistent execution and capability growth. Fosters a strong risk management mindset and supports the ongoing development of team members.

  • Oversees credit evaluation and monitoring activities across a diverse portfolio, ensuring appropriate assessment of financial risk and alignment with established policies and standards. Provides guidance on complex credit decisions and supports resolution of escalated issues.

  • Manages credit risk for a broad and complex set of commercial relationships, ensuring balanced decision-making that supports business objectives while maintaining appropriate risk controls.

  • Directs credit and risk management activities across domestic and international markets, navigating varying business environments and risk considerations to support commercial operations.

  • Partners with internal stakeholders across Commercial, Finance, and other functions to provide insight and support informed decision-making. Builds strong working relationships to align credit strategies with broader business priorities.

  • Maintains and strengthens external relationships with financial institutions and other third-party partners to support risk management activities and enhance overall portfolio effectiveness.

  • Leads the development and enhancement of reporting and analytical tools that provide transparency into credit risk and support strategic discussions with business leadership.

  • Supports strategic initiatives and process improvements within the Credit organization, contributing to the development and implementation of practices that enhance efficiency and risk management effectiveness.

  • Participates in and leads special projects that advance organizational objectives, providing subject matter expertise and driving initiatives to completion.

MINIMUM QUALIFICATIONS:

  • Bachelors Degree in Finance, Accounting, Business, or related field required.

  • Eight (8) years of financial, analytical, optimization or related field experience required.

  • 4 years working with Power BI, RightAngle, SAP, Salesforce, or related is preferred.

  • Demonstrated a broad enterprise mindset by understanding interdependencies across business units and driving solutions that supported overall organizational goals.

  • Demonstrated process improvement enhancements of reporting and analytical tools.

  • 2 - 4 years of experience with strong financial acumen and sound judgment to make effective credit decisions that balance risk and business growth.

TRAVEL:

  • Up to 20%

As an energy industry leader, our career opportunities fuel personal and professional growth.

Location:

Findlay, Ohio

Additional locations:

Houston, Texas

Job Requisition ID:

00022711

Location Address:

539 S Main St

Education:

Bachelors (Required)

Employee Group:

Full time

Employee Subgroup:

Regular

Marathon Petroleum Company LP is an Equal Opportunity Employer and gives consideration for employment to qualified applicants without discrimination on the basis of race, color, religion, creed, sex, gender (including pregnancy, childbirth, breastfeeding or related medical conditions), sexual orientation, gender identity, gender expression, reproductive health decision-making, age, mental or physical disability, medical condition or AIDS/HIV status, ancestry, national origin, genetic information, military, veteran status, marital status, citizenship or any other status protected by applicable federal, state, or local laws. If you would like more information about your EEO rights as an applicant, click here.
If you need a reasonable accommodation for any part of the application process at Marathon Petroleum LP, please contact our Human Resources Department at talentacquisition@marathonpetroleum.com. Please specify the reasonable accommodation you are requesting, along with the job posting number in which you may be interested. A Human Resources representative will review your request and contact you to discuss a reasonable accommodation. Marathon Petroleum offers a total rewards program which includes, but is not limited to, access to health, vision, and dental insurance, paid time off, 401k matching program, paid parental leave, and educational reimbursement. Detailed benefit information is available athttps://mympcbenefits.com.The hired candidate will also be eligible for a discretionary company-sponsored annual bonus program.
Equal Opportunity Employer: Veteran / Disability

We will consider all qualified Applicants for employment, including those with arrest or conviction records, in a manner consistent with the requirements of applicable state and local laws. In reviewing criminal history in connection with a conditional offer of employment, Marathon will consider the key responsibilities of the role.


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About Marathon Petroleum

Sourced by ZipRecruiter

Marathon Petroleum Corporation, headquartered in Findlay, Ohio, US, is a leading independent petroleum refining, marketing, and transportation company. Their official website can be found at marathonpetroleum.com. The company, part of the energy sector, was established in 1887, making it one of the oldest petroleum companies in the US. It operates an integrated refining, marketing and transportation system concentrated primarily in the Midwest, Northeast, East Coast, Southeast and Gulf Coast of the United States. This includes refineries, pipelines, and terminals that process and transport crude oil and refined products.

Industry

Oil and gas extraction

Company size

10,000+ Employees

Headquarters location

Findlay, OH, US

Year founded

1887