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Credit Risk Analyst Jobs in El Paso, TX (NOW HIRING)

Vantage Bank

Credit Analyst

El Paso, 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 ...

Nusenda

Commercial Credit Analyst

El Paso, TX · On-site

Monitor and manage credit risk on assigned portfolios, including reviewing loan files to ensure compliance with financial reporting requirements * Spread and analyze financials using the Buker ...

Nusenda

Commercial Credit Analyst

El Paso, TX · On-site

Monitor and manage credit risk on assigned portfolios, including reviewing loan files to ensure compliance with financial reporting requirements * Spread and analyze financials using the Buker ...

gpac

Senior Credit Officer needed!

El Paso, TX · On-site

... risk management, and portfolio strategy. This position is ideal for an experienced credit ... Review, analyze, and approve commercial credits within established lending authority. * Evaluate ...

YSLETA DEL SUR PUEBLO

Portfolio Manager

El Paso, TX

Analyze business viability, cash flow, creditworthiness, collateral, and underwriting factors to evaluate loan applications and assess overall credit risk; * Prepare and present loan recommendations ...

Ysleta Del Sur Pueblo

Portfolio Manager

El Paso, TX · On-site

$85 - $120/hr

Analyze business viability, cash flow, creditworthiness, collateral, and underwriting factors to evaluate loan applications and assess overall credit risk;Prepare and present loan recommendations and ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in El Paso, TX

Credit Risk Analyst information

See El Paso, TX salary details

$33.5K

$103K

$178.6K

How much do credit risk analyst jobs pay per year?

As of Aug 30, 2026, the average yearly pay for credit risk analyst in El Paso, TX is $102,990.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,600.00 and $127,100.00 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 El Paso, TX?

The most popular types of Credit Risk Analyst jobs in El Paso, TX are:

What are popular job titles related to Credit Risk Analyst jobs in El Paso, TX?

For Credit Risk Analyst jobs in El Paso, TX, the most frequently searched job titles are:

What job categories do people searching Credit Risk Analyst jobs in El Paso, TX look for?

The top searched job categories for Credit Risk Analyst jobs in El Paso, TX are:

What cities near El Paso, TX are hiring for Credit Risk Analyst jobs?

Cities near El Paso, TX with the most Credit Risk Analyst job openings:

Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in El Paso, TX as of August 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $102,990 per year, or $49.5 per hour.

Commercial Credit Analyst

Nusenda Credit Union

El Paso, TX • On-site

Full-time

Medical, Retirement

Posted 10 days ago

Nusenda Credit Union rating

7.7

Company rating: 7.7 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

Nusenda Credit Union is dedicated to excellent member service and being a great place to work. We strive to make a positive difference in the lives of our members and the communities we serve to help them achieve their financial goals. Diversity, equity, and inclusion are part of our culture and values. 

As an employer of choice, we invest in people and their careers. Our competitive employee benefits include several health and wellness options, competitive 401(k) matching contributions, professional development, and tuition assistance and more!

Thank you for your interest in joining the Nusenda team!

We are currently seeking a Commercial Credit Analyst to join our organization. As a Commercial Credit Analyst, you will be responsible for gathering and analyzing credit information on current and potential business borrowers. You'll determine the advisability of granting credit for diversified types of commercial loans by recommending the Loan Risk Rating per the Loan Policy. You'll assist Business Services Officers regarding annual loan reviews and origination of new loan requests. You'll complete analysis of new loan requests, annual reviews of existing loans and makes recommendations for Risk Ratings according to findings. You'll analyze credit data and spread financial statements as part of risk analysis on new and renewing loans.

What You'll Do:

  • Monitor and manage credit risk on assigned portfolios, including reviewing loan files to ensure compliance with financial reporting requirements
  • Spread and analyze financials using the Buker’s spreading software
  • Comple annual loan reviews in accordance with policy using underwriting templates and forms
  • Test and process financial covenants in the commercial loan origination system, and periodically evaluating credit risk and collateral
  • Complete analysis and underwriting of new loan requests, including screening, spreading, analyzing cash flow and repayment sources, collateral, and guarantors, risk rates loans, and prepare formal credit memoranda
  • Collaborate with Business Services Officers, external customers, and management to identify, negotiate, and recommend loan structures
  • Support Business Services Officers in presentations of new loan requests to Management Loan Review Committee

What You'll Need:

  • Three to five years of similar or related commercial underwriting or financial experience
  • Bachelor’s degree in business administration, accounting, or finance.

Key Skills and Experience:

  • Experience in conducting in-depth research and analysis.
  • Knowledge of cash flow modeling, commercial real estate leasing, appraisal methodologies, applicable regulations (e.g., FIRREA, BSA, HMDA), and NCUA regulatory guidance.
  • Understand GAAP financial statements (i.e., balance sheets, income statements, statements of cash flow, and statements of owner’s equity),
  • Understand Personal and business income tax returns and have a comprehensive knowledge of diversified commercial loan types, structures, and practices.
  • Significant analytical thinking skills are required to analyze credit data, identify, and mitigate risks, and assimilate financial information into an actionable format with recommendations on courses of action.

Nusenda Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

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