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Credit Risk Analyst Jobs in Gaithersburg, MD (NOW HIRING)

Sallie_mae

Director, Credit Risk

Sterling, VA · On-site

Drive adoption of advanced analytics and reporting tools to enhance risk identification, monitoring ... Experience with credit models or risk governance frameworks, risk appetite statements, and issue ...

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Aegis Corps

Risk Analyst

Washington, DC · On-site +1

Estimate and validate loan-level logistic regression and survival analysis models to analyze the credit risk associated with multifamily residential, nursing home, and hospital loans. * Develop ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Gaithersburg, MD

Credit Risk Analyst information

See Gaithersburg, MD salary details

$40K

$123K

$213.4K

How much do credit risk analyst jobs pay per year?

As of Aug 22, 2026, the average yearly pay for credit risk analyst in Gaithersburg, MD is $123,043.00, according to ZipRecruiter salary data. Most workers in this role earn between $89,100.00 and $151,800.00 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.
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Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Gaithersburg, MD as of August 2026, with employment types broken down into 53% Full Time, and 47% Part Time. Highlights an 58% In-person, and 42% Hybrid job distribution, with an average salary of $123,043 per year, or $59.2 per hour.

Senior Credit Risk Analysis Consultant, U.S. Government Agency

Dexis

Washington, DC • On-site

Full-time

Re-posted 23 days ago

Job description

About the Position

This credit analyst will be tasked with being an expert in a variety of financial products and financial principles and concepts of the private sector with limited guidance from supervisors required. The Senior Credit Risk Analyst serves as the senior credit risk analyst for financial transactions. The incumbent is responsible for conducting or assisting with credit risk assessments for proposed projects. In addition, the incumbent assists and/or leads the research and preparation of reports on economic and political environments in foreign countries, reviews new applications for financing, approval paper drafting, and executes other functions. The consultant will be stationed in the office in Washington, DC.

Responsibilities
  • Conduct credit review, analysis, and processing (80%)
  • Gather and review due diligence documents from clients, providing feedback to origination officers.
  • Spread financial statements from partners, borrowers, and sponsors, or prepare requests to the internal stakeholders. 
  • Assist or lead in the preparation of financing approval papers, ensuring proper formatting of data.
  • Review newly submitted financing applications, identify parties requiring Character Risk Due Diligence (CRDD), and summarize conclusions. Travel to support transactions as necessary.
  • Conduct country and sector-specific research (20%)
  • Research and summarize the economic and political environment in foreign countries where proposed projects are located.
  • Research and summarize the industrial sector relevant to proposed projects.
  • Conduct research and writing of Market Assessments.
  • Prepare Country Due Diligence briefing materials for project team overseas trips.

Qualifications 

  • The Senior Credit Risk Analyst shall engage in complex credit risk assessment and transaction structuring, requiring a high level of expertise and judgment.
  • Experience conducting credit review, analysis, and processing.
  • Ability to obtain a Public Trust Clearance.
  • Structuring guarantees and transactions aligned with strategic development priorities
  • Assessing credit risk and other facets of risk for transactions deploying partial credit guarantees and other tools in various sectors
  • Evaluating financial markets and private business development and identifying business opportunities in targeted regions
  • Preparing and presenting screening memos, credit papers, and investment proposals to relevant committees.
  • Providing training to Investment Officers on credit risk, credit methods and templates.
  • Performing other related duties as required.

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