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

First Horizon Bank

Risk Consultant

Charlotte, NC · On-site

This role works closely with Credit Risk, Finance, and Data teams to develop analytical solutions, improve reporting efficiency and support risk management and business needs. The ideal candidate is ...

US Bank

Credit Risk Python Architect

Charlotte, NC · On-site

$111K - $131K/yr

... Credit Risk Administration credit models, analytics, and reporting. We are seeking a Python ... Strong analytical, organizational, problem-solving, negotiation, and project management skills

U.S. Bank

Credit Risk Python Architect

Charlotte, NC · On-site

$111K - $131K/yr

... Credit Risk Administration credit models, analytics, and reporting. We are seeking a Python ... Strong analytical, organizational, problem-solving, negotiation, and project management skills

Keybank

Senior Credit Officer, Payments

Charlotte, NC · 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

Charlotte, NC · 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 ...

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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 Aug 6, 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.

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 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.

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 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 56% Full Time, and 44% Part Time. Highlights an 60% In-person, and 40% Hybrid job distribution, with an average salary of $100,073 per year, or $48.1 per hour.

Credit Officer - Global Markets Credit - Municipal Banking and Markets

Bank of America

Charlotte, NC • On-site

$145K - $198K/yr

Full-time

PTO

Re-posted 14 days ago

Bank Of America rating

8.2

Company rating: 8.2 out of 10

Based on 523 frontline employees who took The Breakroom Quiz

52nd of 170 rated banks

Job description

Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Description:

The Credit Officer role requires a comprehensive skill set to effectively execute broad risk management responsibilities within Corporate & Financial Institutions Credit Risk. Some of the responsibilities include: Develop and maintain a deep understanding of the Global Banking & Markets product spectrum; Responsible for driving speed to market and asset quality; Develop and maintain a deep understanding of the portfolio at the client, industry, and macro level in order to assess risk and craft value added solutions that balance risk and return; Independently assess the credit worthiness , including due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk within the bank's risk appetite/strategies; Manage a complex portfolio of clients via actively monitoring the portfolio including changes in credit profile and compliance with credit agreements; Provide high quality and efficient credit approval to Corporate Banking, Investment Banking, Global Markets and Treasury while observing compliance of established credit policies and guidelines; Structure transactions and negotiate credit documentation including; credit agreements, amendments, ISDAs, and CSAs; Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit life cycle; Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal; Participate in strategic projects to support business goals.

Responsibilities:

  • Responsible for all aspects of the credit risk management of Municipal Banking and Markets counterparties/issuers

  • Manage a high-volume, fast-paced portfolio using a risk-based approach to support revenue generation while adhering to established credit risk standards

  • Partner closely with Global Markets stakeholders, including Trading, Structuring, and Sales, as well as internal support functions

  • Evaluate and support transactions within a dynamic capital markets and trading environment, requiring strong execution and prioritization skills

Required Qualifications:

  • 5+ years of prior counterparty credit risk management and due diligence experience

  • Proficient with Microsoft Office, Bloomberg

Desired Qualifications:

  • Financial institutions or municipal counterparty experience

Skills:

  • Analytical Thinking

  • Credit and Risk Assessment

  • Financial Analysis

  • Research Analysis

  • Underwriting

  • Attention to Detail

  • Business Acumen

  • Financial Forecasting and Modeling

  • Loan Structuring

  • Written Communications

  • Business Development

  • Collaboration

  • Critical Thinking

  • Portfolio Analysis

  • Stakeholder Management

Shift:

1st shift (United States of America)

Hours Per Week:

40

Pay Transparency details

US - NY - New York - ONE BRYANT PARK - BANK OF AMERICA TOWER (NY1100)Pay and benefits informationPay range$145,000.00 - $198,000.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligibleThis role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

What Bank Of America employees say

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About Bank Of America

Sourced by ZipRecruiter

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

Charlotte, NC, US

Year founded

1998

Social media

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