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

IPL (Indiana)

Sr Analyst, Credit Risk

Houston, TX

The Risk Management team is seeking a Senior Credit Risk Analyst to join the group, reporting to the Senior Manager of Credit Risk. The Analyst will be responsible for evaluating and managing credit ...

New

Talen Energy

Credit Risk Manager

Houston, TX · On-site

Credit Risk Manager Houston TX | Credit At Talen Energy This is a senior-level energy credit risk ... Analyze valuation changes across trading products and clearly communicate key drivers, risk ...

New

Flagstar Bank

Credit Products Analyst Il

Houston, TX

$58K - $95K/yr

Credit Risk Analysis & Portfolio Management: * Conduct financial spreading and risk rating analysis. * Perform detailed credit due diligence and industry research. * Prepare annual and periodic ...

Vantage Bank

Credit Analyst

Houston, TX · On-site

They assign appropriate risk ratings, identify material credit strengths and weaknesses, and recommend loan structures, terms, covenants, and risk-mitigation strategies. The Credit Analyst works ...

Shell

Sr. Credit Analyst - Power & Gas

Houston, TX · On-site

$115K - $173K/yr

Offering world-class risk management techniques and insights to the business to enable the best ... more analytical, reporting and stress testing capabilities within Credit Risk organization

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Conroe, TX

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 Aug 29, 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 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 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:

Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Conroe, TX as of August 2026, with employment types broken down into 56% Full Time, and 44% Part Time. Highlights an 60% In-person, and 40% Hybrid job distribution, with an average salary of $97,497 per year, or $46.9 per hour.

Analyst - Credit Risk Management

Houston, TX • Hybrid

Energy Transfer Equity Lp

9.1

Company rating: 9.1 out of 10

Based on 66 frontline employees who took The Breakroom Quiz

2nd of 87 rated oil and gas companies

Great coworkers

People enjoy working here

Good employer

Learn more about Energy Transfer Equity Lpexternal

Full-time

Retirement, PTO

Posted 25 days ago

Job description

Are you interested in joining our team? Chat with our digital assistant to learn more about our company and apply right from your mobile device!
Text ETP to 25000 to get started or apply through this web posting if you prefer.

Energy Transfer, recognized by Forbes as one of America's best large employers, is dedicated to responsibly and safely delivering America's energy.  We are driven to inspire our employees to create superior value for our customers, our investors, a sustainable future and giving back to the community where we have long-standing commitments to causes including MD Anderson Children's Cancer Hospital, The Salvation Army, The American Red Cross, Ronald McDonald House and many more. 

We value all of our employees who make our growth and success possible.  We are proud to offer industry leading compensation, comprehensive benefits, 401(k) match with additional profit sharing, PTO and abundant career opportunities. 

Come join our award winning over 12,000 strong organization as we fuel the world and each other!

 

Summary:

We are seeking a detailed-oriented and proactive Credit Risk Analyst to join the Energy Transfer Credit Risk Management group which reports to the Manager - Credit Risk Management. The Credit Risk Analyst will be involved in evaluating potential credit risks, administer risk mitigation strategies, maintain a robust credit profile, and engage in special projects as required. The Credit Risk Analyst will collaborate with other departments including, but not limited to: legal, commercial, and accounting to enhance risk processes, deliver analytical data-driven insights, and support the growth of Energy Transfer LP.

Essential Duties and Responsibilities:

  • Analyze and evaluate the creditworthiness of counterparties using financial statements, credit scoring models, and other data and analytic platforms.
  • Perform comprehensive credit analysis to make recommendations on credit limits.
  • Analyze entity structure to assess both individual counterparty and enterprise credit risk.
  • Accurately and timely maintain and monitor credit accounts for changes in risk status to help identify and mitigate credit risk in all of Energy Transfer's operations.
  • Maintain credit system database efficiently with counterparty names, credit support documentation, and agency/internal credit rating.
  • Implement strategies to mitigate credit risk, including appropriate collateral management such as letters of credit, margin calls, surety bonds, and liens.
  • Assist in the development and maintaining comprehensive reports and system(s).
  • Work with cross-functional teams to provide insights on credit risk and recommend and implement process improvements.
  • Identify and evaluate opportunities to provide insights and recommendations for optimizing credit risk process improvements.
  • Able to professionally, accurately and promptly respond to counterparty margin calls and requests.
  • Provide information for miscellaneous reports on an ad hoc basis.
  • Perform any other tasks as assigned.

Required Skills (External)

Requirements:

  • Bachelor's degree in Finance, Accounting, Economics, or a related field or equivalent work experience
  • Experience in wholesale credit management with financial statement analysis required or related area. 
  • Familiarity and experience with credit reporting agencies and credit risk principles.
  • Experience with credit scoring and risk management systems, models, and metrics.
  • Proficient in Excel and Word skills.
  • Excellent verbal and written skills with the ability to present complex data clearly.
  • Strong analytical and problem-solving skills to assess complex financial data.
  • Detail oriented with a strong ability to identify and mitigate potential credit risks.


Required experience is commensurate with the selected job level:

  • Analyst level requires a Bachelor's degree or equivalent work experience and 2-5 years of relevant experience

  • Senior Analyst level requires a Bachelor's degree or equivalent work experience and 5-8 years of relevant experience

Working Conditions:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

  • Usually, normal office working conditions.
  • Must be able to remain in a stationary position 50% of the time due to prolonged periods of sitting or standing.
  • Occasional travel and/or overnight travel may be required.
  • Relocation assistance will not be provided
  • Working from home is not available in this position

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