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Credit Risk Analyst Jobs in Fort Mill, SC (NOW HIRING)

Fifth Third

Credit Analyst II - TMT

Charlotte, NC · On-site

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 ...

Collabera LLC

Quantitative Analyst

Charlotte, NC · On-site

Counterparty Credit Risk modeling (not pricing models) * Cross-margin methodologies in prime ... Analytical formula derivation * Model validation and gap analysis * Programming 20% * Python ...

Collabera

Quantitative Analyst

Charlotte, NC · On-site

Counterparty Credit Risk modeling (not pricing models) Cross-margin methodologies in prime ... analysis Programming - 20% Python (expert) SQL AI coding tools (GitHub Copilot or similar ...

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Showing results 1-20

All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Fort Mill, SC

Credit Risk Analyst information

See Fort Mill, SC salary details

$32.5K

$100.1K

$173.6K

How much do credit risk analyst jobs pay per year?

As of Jul 15, 2026, the average yearly pay for credit risk analyst in Fort Mill, SC is $100,073.00, according to ZipRecruiter salary data. Most workers in this role earn between $72,500.00 and $123,500.00 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.
More about Credit Risk Analyst jobs
What are popular job titles related to Credit Risk Analyst jobs in Fort Mill, SC? For Credit Risk Analyst jobs in Fort Mill, SC, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Fort Mill, SC look for? The top searched job categories for Credit Risk Analyst jobs in Fort Mill, SC are:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Fort Mill, SC as of July 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 86% Full Time, 6% Part Time, 1% Temporary, and 5% Contract. Highlights an 82% Physical, 5% Hybrid, and 13% Remote job distribution, with an average salary of $100,073 per year, or $48.1 per hour.

Senior Dealer Commercial Credit Analyst

Dtna

Charlotte, NC • On-site

Full-time

Medical, Retirement, PTO

Posted 5 days ago

Job description

Inside the Role

Job Summary
We are seeking a Senior Dealer Commercial Credit Analyst to lead complex credit analysis and risk assessment activities for dealership floorplan, revolving, term, and real estate financing across North America. This role is central to supporting Daimler Truck Financial Services' profitable portfolio growth through deep financial analysis, independent credit judgment, and sound risk evaluation.
This position goes beyond transactional or guideline-based underwriting and instead emphasizes interpretive financial analysis, critical thinking, and holistic risk assessment. The role blends high level financial analysis and prudent credit risk management with leadership, mentorship, and strategic partnership across our borrowers, Sales, Legal, Risk, and Audit teams.
You will provide subject matter expertise in financial statement analysis and credit evaluation, review and challenge credit work, shape credit strategy, as well as coach and develop junior team members, strengthening the overall analytical capability of the organization - all while driving well-informed, balanced risk decisions across a diverse and dynamic portfolio.
We have several key positions available:
Senior Dealer Credit Analyst
Key Account Management Specialist
Regional Credit Analyst

Posting Information

We provide a scheduled posting end date to assist our candidates with their application planning. While this date reflects our latest plans, it is subject to change, and postings may be extended or removed earlier than expected.

We Take Care of Our Team

Benefits include annual bonus program; 401kcompany contribution with company match up to6% as well as non-elective company contribution of3 - 7% depending on age;starting at 4 weeks paidvacation; 15calendar holidays;8 weekspaidparental leave; employee assistance program;comprehensive healthcare plans and wellnessprograms; onsite fitness (at some locations); tuitionassistance and volunteer paid time off; short-termand long-term disability plans.

What You Drive at DTFS:

Credit Analysis & Underwriting

  • Lead a team of underwriters in preparing clear, well-reasoned credit risk assessments for dealership floorplan, revolving, term and real estate financing proposals, renewals or modifications for credit committee approval.
  • Coach team members in the negotiation of optimal structures, terms and risk mitigation strategies with clients, dealers or internal teams.
  • Provide training and guidance on balance sheet, income statement and cashflow analysis, repayment capability, borrower performance trends, and collateral position. Ensuring risk concerns are properly identified and mitigated.
  • Oversee and manage a portfolio of key commercial dealer accounts, including payment and audit performance, development trends, covenant monitoring, asset management, and periodic risk rating or special asset reviews are completed.
  • Ensure compliance with corporate credit policies and quality standards, including limits of authority and reporting requirements.
  • Serve as a voting member of credit committee and subjectmatter expert for complex credit topics, projects, and policy interpretations.

CrossFunctional Collaboration

  • Partner with clients and internal teams to shape credit strategies that support customer needs and business growth while maintaining a strong risk profile.
  • Collaborate with clients and legal teams on loan documentation, restructuring, collateral positions, and transaction structures.
  • Contribute to departmental projects, compliance audits, and initiatives to drive efficiency, improve risk performance/return or underwriting quality and consistency.

Knowledge You Should Bring:

  • BS/BA degree preferred with 5 years business experience; OR 8 years relevant experience in lieu of degree.
  • At least 3 years of underwriting or finance experience, including a minimum of 1 year of financial analysis and presentation experience.
  • Proficiency with Microsoft Suite (Excel, Outlook; strong analytical abilities).
  • Analytical Skills; ability to collect data, establish facts and identify trends/variances to make sound credit decisions.
  • Attention to detail, problemsolving ability, judgement and organizational skills.
  • Strong communication skills with the ability to clearly articulate recommendations to team members and senior leadership. Experience coaching or reviewing work of others is a plus.

Exceptional Candidates Might Have:

  • 3+ years of commercial credit underwriting in fleet, dealer, or collateralbased lending environments.
  • Experience in accounting, dealership operations, automotive/trucking industry finance, floorplan/wholesale credit or commercial loan restructuring.
  • Understanding of secured lending concepts, including UCC/PPSA rules, priority agreements, and related legal documentation.
  • Experience with financial assessment or portfolio systems (ALFA, PEGA, Credit Lens) or similar platforms.
  • Background in mentoring, coaching, or leading junior staff.
  • French language proficiency (oral and written) a plus.

Why Join Us:

  • Daimler Truck is the world's largest commercial vehicle manufacturer by volume and revenue. We have >100,000 employees worldwide. We are highly committed to our customers who Keep the World Moving.
  • Opportunity to play an integral role in shaping the underwriting quality and decision making of a multibillion-dollar credit portfolio with a team of developing credit professionals.
  • Collaborate with highperforming Sales, Risk, Legal and Audit teams to deliver sound credit solutions.
  • Opportunities to take on strategic projects, improve processes, and contribute to organizational excellence.
  • A culture that values expertise, teamwork, and continuous professional growth.

Success Looks Like:

  • Highquality, wellsupported credit recommendations delivered consistently and on time.
  • A stronger, more capable and collaborative credit risk team.
  • Proactive identification of risks and opportunities across your portfolio.
  • Trusted relationships with key internal partners and stakeholders.
  • Elevated underwriting standards and improvements driven through your leadership.

#WorkatDTFS

#LI-DTFSUSA

#LI-Hybrid

#LI-CC1

Where We Work

This position is open to applicants who can work in (or relocate to) the following location(s)-

Charlotte, NC US. Relocation assistance is not available for this position.

Schedule Type:

Hybrid (4 days per week in-office / 1 day remote). This schedule builds our #OneTeamBestTeam culture, provides an unparalleled customer experience, and creates innovative solutions through in-person collaboration.

Daimler Truck Financial is the captive financial services provider for the Daimler Trucks North America family of commercial vehicle products, including Freightliner Trucks, Western Star, SelecTrucks, Sprinter Vans, Thomas Built Buses and Fuso. We have specialized in financing commercial vehicles for more than 40 years. This proven experience gives us critical insights into helping businesses overcome challenges unique to the trucking industry. Additionally, we offer a range of financing solutions that can be customized to meet each individual business's needs, from owner-operators to large fleet managers and nearly every venture in-between.

To achieve our goal of being the first-choice provider of vehicle financial products and services that support our brands, dealers and customers, we are looking for talented, diverse and inspired people with the skills, experience and innovative spirit to provide a first-class experience at every turn. We are committed to providing a great workplace environment that fosters a culture of openness, support and camaraderie. Our employee programs and benefits are reflective of our values and are designed to promote growth, balance and wellness in many aspects of your career and life.

Additional Information

  • Applicants must be legally authorized to work permanently in the country of posting

  • Final candidate must successfully complete a criminal background check

  • Contractors, professional services, or other contingent workers should confirm with their local agency if they are eligible to apply for FTE positions

  • EEO - Disabled/Veterans

Daimler Truck Financial Services is committed to workforce inclusion and providing an environment where equal employment opportunities are available to all applicants and employees without regard to race, color, sex (including pregnancy), religion, national origin, age, marital status, family relationship, disability, sexual orientation, gender identity and expression (including transgender and transitioning status), genetic information, or veteran status.

For an accommodation or special assistance with applying for a posted position, please contact our Human Resources department at 503-745-8982 or toll free 800-206-3369. For TTY/TDD enabled call 503-745-2137 or toll free 866-355-6935

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