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Credit Risk Analyst Jobs in Jacksonville, FL (NOW HIRING)

Citi

Technology Lead Business Analyst

Jacksonville, FL · On-site

Consumer Credit Cards business. This role plays a critical part in enabling business growth, risk ... Business Analysis & Requirements Leadership Lead the discovery, analysis, documentation, and ...

Td

Collections Strategy Manager

Jacksonville, FL · On-site

$120K - $145K/yr

Risk Management We are seeking a highly analytical and strategic Credit Card Collections Strategy Manager to drive performance optimization across the collections lifecycle. This role will leverage ...

RYAM

Sr. Credit Analyst

Jacksonville, FL · On-site

Use multiple credit agencies to manage risk * Ensure all pertinent information received on customers is communicated to proper individuals * Safeguard assets by control and collection of receivables

Bank of America

Credit Officer II

Jacksonville, FL · On-site

Drives credit and risk approval processes for new credit originations, renewals, increases, and ... Analytical/technical skills, including financial accounting, modeling and loan structuring

Bank of America

Credit Officer II

Jacksonville, FL · On-site

Drives credit and risk approval processes for new credit originations, renewals, increases, and ... Analytical/technical skills, including financial accounting, modeling and loan structuring

Bank of America

Credit Officer II

Jacksonville, FL · On-site

Drives credit and risk approval processes for new credit originations, renewals, increases, and ... Analytical/technical skills, including financial accounting, modeling and loan structuring

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Showing results 21-40

All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Jacksonville, FL

Credit Risk Analyst information

See Jacksonville, FL salary details

$34.3K

$105.5K

$183K

How much do credit risk analyst jobs pay per year?

As of Sep 2, 2026, the average yearly pay for credit risk analyst in Jacksonville, FL is $105,518.00, according to ZipRecruiter salary data. Most workers in this role earn between $76,400.00 and $130,200.00 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 Jacksonville, FL?

The most popular types of Credit Risk Analyst jobs in Jacksonville, FL are:

What are popular job titles related to Credit Risk Analyst jobs in Jacksonville, FL?

For Credit Risk Analyst jobs in Jacksonville, FL, the most frequently searched job titles are:

What job categories do people searching Credit Risk Analyst jobs in Jacksonville, FL look for?

The top searched job categories for Credit Risk Analyst jobs in Jacksonville, FL are:

What cities near Jacksonville, FL are hiring for Credit Risk Analyst jobs?

Cities near Jacksonville, FL with the most Credit Risk Analyst job openings:

Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Jacksonville, FL as of August 2026, with employment types broken down into 1% As Needed, 88% Full Time, 9% Part Time, and 2% Contract. Highlights an 89% Physical, 3% Hybrid, and 8% Remote job distribution, with an average salary of $105,518 per year, or $50.7 per hour.

Consumer Lending Underwriting & Credit Supervisor

VyStar Credit Union

Jacksonville, FL • On-site

Full-time

Retirement

Posted 25 days ago

VyStar Credit Union rating

7.5

Company rating: 7.5 out of 10

Based on 13 frontline employees who took The Breakroom Quiz

Job description

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.
We encourage you to become a part of VyStar Credit Union's family of employees.
Consumer Lending Underwriting & Credit Supervisor
ACCOUNTABILITY STATEMENT
This role's primary function is to provide operational management and mentoring to our consumer credit underwriters. The Consumer Lending Underwriter & Credit Supervisor leverages extensive underwriting experience and strong analytical judgment to ensure the credit portfolio aligns with the organization's established risk tolerances. These efforts must ensure a seamless and efficient member experience through omni-channel delivery to include digital, mobile, branch, and the call center. Quality loan decisions must be made while maximizing loan growth, net interest income objectives, member growth, portfolio performance, and market share. Their analytical ability must also be used effectively to interpret data and results through reporting based on our automated lending platform that incorporate Artificial Intelligence (AI) and Data Analytics partnerships to include 2020 Analytics, Zest Finance, Open Lending, etc. The incumbent is also responsible for the consumer lending portfolio performance of $2+ billion and to ensure that credit losses and delinquency ratios are maintained within defined thresholds. Incumbents are responsible for managing a minimum of nine (9) loan officers and for fostering, building, and maintaining excellent department relations throughout the organization, for creating and routinely demonstrating and exhibiting exemplary behaviors and actions that promote and encourage a positive work environment. This includes creating a culture where innovation in process improvements is encouraged and where each employee is individually and collectively responsible for reaching department and corporate goals.
ESSENTIAL JOB FUNCTIONS:
  • The Consumer Lending Underwriter & Credit Supervisor has oversight to ensure that the Lending Services teams meet or exceed annual operating plans and goals for loan volume, portfolio growth, net interest income, membership growth, delinquency, and loan loss ratios.
  • Monitors the activity of the loan portfolio to ensure loan growth, proper credit quality, and the profitability of the portfolio. Ensures that proper quality control measures are in place to mitigate credit risk and monitors the effectiveness of these measures. Continual trend analysis of monthly lending and collection reports are used to make necessary adjustments to underwriting practices.
  • Supervise the day-to-day operations of the Lending Services underwriting business unit.
  • Reviews and analyzes reports relative to volume and processing times for each Lending Services team to determine staffing levels and effective staffing models.
  • Thorough understanding of VyStar's annual business plan using this information to drive departmental results.
  • Prepare and track information for the monthly reports.
  • Extensive working knowledge of all lending regulatory requirements to ensure that all processes, policies, and procedures are compliant. Including compliance with the MLA (Military Lending Act).
  • Writes, revises, and/or reviews any applicable Lending policies, procedures, and team desktop procedures to remain in regulatory compliance.
  • Uses experience and judgment to effectively analyze the impact of regulatory changes and, in conjunction with the Lending Business Analyst, Senior Lending Systems Administrator and ISD, recommends and facilitates the implementation of updates to the Lending System and Core System to ensure regulatory compliance.
  • Use Verint scheduling software to create and monitor the schedules to ensure adequate coverage for extended hours of operation.
  • System Administrator for CMS (Call Management System) call tracking software. Utilized both to monitor the number of calls received to ensure that service levels are achieved.
  • Write and conduct employee performance reviews, loan reviews, and side-by-sides and provide ongoing coaching and performance feedback.
  • Consumer Lending Underwriter & Credit Supervisors are also responsible for creating and administering any required disciplinary action plan when underwriters fail to maintain required portfolio performance standards up to and including termination.
  • Develops, coaches, and trains credit underwriters through the underwriter loan authority progression steps to include: Underwriter I, Underwriter II and Senior Credit Underwriter loan authority.
  • Facilitates periodic roundtable training exercises for Underwriters and Quality Assurance Loan Analysts
  • Trains Sr. Underwriters and Underwriters on the Loan Deferment Team on Consumer TDR policies and procedures and proper use of the collection and record retention platforms utilized in the processing of loan modifications to remain in compliance with federal and state regulations.
  • Serves as backup for the indirect business unit and provides support for the Indirect Underwriters. Resolves member and dealer issues as required.
  • Must handle confidential material in a highly ethical manner.
  • A wide degree of creativity and latitude is expected. Identifies critical issues and makes judgment calls within policy limits.
  • Identifies and makes recommendations for process improvements, increased efficiencies, and quality service delivery to ensure timely loan decisions within service level agreements.
  • Collaborates with Consumer Lending Credit and Product Innovation Manager in the creation of new products and loan matrices needed to support those new products within the consumer loan origination system.
  • Participates in coordination of all loan origination and core system testing and implementation of on-going system releases and enhancements. Ensures all regulatory changes and/or enhancements are tested and implemented within the department and that all personnel receive the training necessary to keep loans within regulatory compliance.
  • Must successfully complete a minimum of 40 hours of on-going lending training annually. This may include classes held internally at VyStar or community courses sponsored by VyStar and external and internal seminars. Successfully completes and passes on-line training courses when offered.
  • Process and decision all employee consumer loans and workout loans for the credit union.
  • Assists loan underwriters with complex loan decisions or issues that need to be escalated including loan appeals. Has advanced knowledge in luxury item underwriting, large dollar consolidation loans and various types of consumer loans. Reviews and decisions loans that are outside of the Sr. Underwriter's loan authority.
  • Resolves escalated issues/concerns from the Branch/Call Center Managers, Supervisors, Branch Vice Presidents, and members regarding applications.
  • Ensures that solutions offered by the deferment team are in the best interest of both the credit union and members and FASB compliant.
  • Tasked with increasing the loan portfolio within the lower credit tiers while maintaining fiscal soundness.
  • Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation.
  • Works with the Human Resource training department in the creation of training for loan originators including compliance and regulatory considerations.
  • Performs activities and projects as assigned and requested.
  • All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.

QUALIFICATIONS - Experience/Education/Training
  • A bachelor's degree in business or related field is required.
  • A minimum of five years of loan origination experience and five years lending authority in a financial institution is required. An additional five years of lending experience may be substituted in lieu of the bachelor's degree.
  • Experience leading a team and managing to achieve business plan results.
  • Technical Experience: Extensive knowledge of Microsoft Word, Excel, PowerPoint, CMS Supervisor, Verint, Meridian Link, Atlas, Report Portal, Evolve is preferred.
  • Applicants must exhibit positive, well developed communication skills, both written and oral, be detail oriented, have good organizational and active listening skills, possess a strong ability to multitask and prioritize work in a fast-paced environment, and have a proven ability to work with others.
  • Must have professional conduct, appearance and be self-motivated.

DISCLAIMERS AND WORK ENVIRONMENT
Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.
The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.
VYSTAR EXCELLENCE
Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job.
  • Focus. Focus your full attention by carefully listening to and observing your client or member.
  • Connect. Consistently be friendly and approachable. Demonstrate you care.
  • Understand. Listen empathetically and ask questions. (70%/30%)
  • Counsel. Recommend solutions based on your client's or member's needs and objectives.
  • Advance. Ensure that member's expectations were exceeded. Verify necessary follow-up action.

#LI-Hybrid
VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.
No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.
Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.
Thank you again for your interest in this position!
VyStar Credit Union Human Resources

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