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Credit Risk Analyst Jobs in Phoenix, AZ (NOW HIRING)

Aston Carter

AR Credit Analyst-HIRING ASAP

Phoenix, AZ · On-site

$52K - $62K/yr

Skills in reconciliation, cash application, credit risk assessment, and credit management. * Construction Industry Experience. * Experience in B2B collections. * 3+ years of Credit Analyst experience ...

US Bank

SBA Credit Analyst 6

Tempe, AZ · On-site

Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis * Thorough knowledge of SBA lending programs, including SBA 7(a) and 504 loan structures ...

QXO

Credit Director

Glendale, AZ · On-site

Drive proactive risk assessment and ensure timely updates to customer credit profiles * Lead ... Strong analytical, negotiation, and problem-solving skills * Proficiency in Microsoft Office Suite ...

US Bank

Credit Analyst 6

Tempe, AZ · On-site

$105K - $124K/yr

... and minimize risk and potential loss to the company. May use technological tools, including ... The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ...

US Bank

SBA Credit Analyst

Tempe, AZ · On-site

$98K - $115K/yr

... and minimize risk and potential loss to the company. May use technological tools, including ... The Credit Analyst will use such tools to compare and evaluate possible courses of action and will ...

QXO

Credit Director

Glendale, AZ · On-site

Drive proactive risk assessment and ensure timely updates to customer credit profiles * Lead ... Strong analytical, negotiation, and problem-solving skills * Proficiency in Microsoft Office Suite ...

QXO

Credit Director

Glendale, AZ · On-site

Drive proactive risk assessment and ensure timely updates to customer credit profiles * Lead ... Strong analytical, negotiation, and problem-solving skills * Proficiency in Microsoft Office Suite ...

US Bank

SBA Credit Analyst 6

Tempe, AZ

Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis * Thorough knowledge of SBA lending programs, including SBA 7(a) and 504 loan structures ...

Expeditors

Credit Specialist

Scottsdale, AZ · On-site

Compile and analyze credit scoring and company financial information * Obtain, track and reconcile customer financial statements * Review financial statements to assess risk and assign appropriate ...

Expeditors

Credit Specialist

Scottsdale, AZ · On-site

Compile and analyze credit scoring and company financial information * Obtain, track and reconcile customer financial statements * Review financial statements to assess risk and assign appropriate ...

Expeditors

Credit Specialist

Scottsdale, AZ · On-site

Compile and analyze credit scoring and company financial information * Obtain, track and reconcile customer financial statements * Review financial statements to assess risk and assign appropriate ...

MUFG

Analytics & Reporting, Vice President

Tempe, AZ · Hybrid

This position partners with stakeholders across Credit Review, Credit Risk reporting, Audit, Technology, and Business teams to design and deliver scalable dashboards, predictive analytics, and data ...

US Bank

Business Banking Credit Review Specialist

Tempe, AZ · On-site

$28.27 - $37.69/hr

... risk and potential loss. Sets up and maintains databases used to analyze accounts and/or portfolios. Prepares and presents credit reports to person(s) responsible for maintaining control over the ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Phoenix, AZ

Credit Risk Analyst information

See Phoenix, AZ salary details

$36.7K

$113.1K

$196.1K

How much do credit risk analyst jobs pay per year?

As of Aug 9, 2026, the average yearly pay for credit risk analyst in Phoenix, AZ is $113,074.00, according to ZipRecruiter salary data. Most workers in this role earn between $81,900.00 and $139,500.00 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 the most commonly searched types of Credit Risk Analyst jobs in Phoenix, AZ? The most popular types of Credit Risk Analyst jobs in Phoenix, AZ are:
What are popular job titles related to Credit Risk Analyst jobs in Phoenix, AZ? For Credit Risk Analyst jobs in Phoenix, AZ, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Phoenix, AZ look for? The top searched job categories for Credit Risk Analyst jobs in Phoenix, AZ are:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Phoenix, AZ as of August 2026, with employment types broken down into 1% As Needed, 86% Full Time, 10% Part Time, and 3% Contract. Highlights an 90% Physical, 4% Hybrid, and 6% Remote job distribution, with an average salary of $113,074 per year, or $54.4 per hour.

AR Credit Analyst-HIRING ASAP

Aston Carter

Phoenix, AZ • On-site

$52K - $62K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 13 days ago

Job description

Job Title: AR Credit Analyst
Job Description
As an AR Credit Analyst, you will play a crucial role in evaluating the creditworthiness of customers by analyzing financial data, calculating financial ratios, and making informed recommendations. You will prepare comprehensive reports on customers' financial health and ensure compliance with lending practices. Additionally, you will assist in audits and communicate effectively with customers to resolve complaints and verify transactions.
Responsibilities
  • Analyze financial data, including financial statements, income, and cash flow, to assess creditworthiness.
  • Calculate financial ratios using computer programs to evaluate financial health.
  • Make informed recommendations on loan approvals, denials, or interest rate changes.
  • Prepare detailed reports summarizing customers' financial health and lending risks.
  • Monitor compliance with bank's lending policies and guidelines.
  • Assist with company and client audits.
  • Communicate with customers to resolve complaints and verify financial transactions.

Essential Skills
  • Proficiency in credit analysis and accounts receivable management.
  • Experience in new account setup, collection, accounting, and credit & collections.
  • Skills in reconciliation, cash application, credit risk assessment, and credit management.
  • Construction Industry Experience.
  • Experience in B2B collections.
  • 3+ years of Credit Analyst experience.
  • 2+ years in construction-related credit (B2B).
  • 1+ years of experience with Excel.
  • 1+ years of navigating multiple ERP systems in one job.

Additional Skills & Qualifications
  • Ability to handle high volume/high-stress portfolios (1000 applications per month).

Work Environment
This position is fully onsite, with working hours from 8 AM to 5 PM. You will be part of a dynamic and fast-paced environment, handling a high volume of applications. The role requires effective time management and the ability to navigate multiple ERP systems.
Job Type & Location
This is a Permanent position based out of Phoenix, AZ.
Pay and Benefits
The pay range for this position is $52000.00 - $62500.00/yr.
Eligibility requirements apply to some benefits and may depend on your jobclassification and length of employment. Benefits are subject to change and may besubject to specific elections, plan, or program terms. If eligible, the benefitsavailable for this temporary role may include the following:
• Medical, dental & vision
• Critical Illness, Accident, and Hospital
• 401(k) Retirement Plan - Pre-tax and Roth post-tax contributions available
• Life Insurance (Voluntary Life & AD&D for the employee and dependents)
• Short and long-term disability
• Health Spending Account (HSA)
• Transportation benefits
• Employee Assistance Program
• Time Off/Leave (PTO, Vacation or Sick Leave)
Workplace Type
This is a fully onsite position in Phoenix,AZ.
Application Deadline
This position is anticipated to close on Aug 20, 2026.
About Aston Carter
Aston Carter provides world-class corporate talent solutions to thousands of clients across the globe. Specialized in accounting, finance, human resources, talent acquisition, procurement, supply chain and select administrative professions, we extend the capabilities of industry-leading companies. We draw on our deep recruiting expertise and expansive network to meet the evolving needs of our clients and talent community with agility and excellence. With offices across the U.S., Canada, Asia Pacific and Europe, Aston Carter serves many of the Fortune 500. We are proud to be a ClearlyRated Best of Staffing® Platinum Award winner for both client and talent service.
The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.
If you would like to request a reasonable accommodation, such as the modification or adjustment of the job application process or interviewing process due to a disability, please email astoncarteraccommodation@astoncarter.com for other accommodation options.
San Francisco Fair Chance Ordinance: Pursuant to the San Francisco Fair Chance Ordinance, for all positions located in the city and county of San Francisco, we will consider for employment qualified applicants with arrest and conviction records.
Massachusetts Lie Detector: It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
Use of Artificial Intelligence (AI): We may use Artificial Intelligence (AI) to support parts of our hiring process, including sourcing, screening, and evaluating candidates. AI helps assess applications and qualifications, but final decisions are made by our hiring team. By applying, you acknowledge and agree that your application may be reviewed using AI tools.
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About Aston Carter

Sourced by ZipRecruiter

At Aston Carter, we're dedicated to expanding career opportunities for the skilled professionals who power our business. Our success is driven by the talented, motivated people who join our team across a range of positions - from recruiting, sales and delivery to corporate roles. As part of our team, employees have the opportunity for long-term career success, where hard work is rewarded and the potential for growth is limitless. Established in 1997, Aston Carter is a leading staffing and consulting firm, providing high-caliber talent and premium services to more than 7,000 companies across North America. Spanning four continents and more than 200 offices, we extend our clients' capabilities by seeking solvers and delivering solutions to address today's workforce challenges. For organizations looking for innovative solutions shaped by critical-thinking professionals, visit AstonCarter.com. Aston Carter is a company within Allegis Group, a global leader in talent solutions.

Industry

Recruiting and staffing services

Company size

1,001 - 5,000 Employees

Headquarters location

Hanover, MA, US

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