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

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 ...

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 ...

The French Agency

Credit Analyst

Tolleson, AZ · On-site

$27 - $29/hr

Credit Analyst Position Summary: This role reports to the Credit Manager and is responsible for ... debt risk. Also involves collaborating with the Credit department to address credit issues and ...

WaFd Bank

Commercial Credit Associate (CRE)

Scottsdale, AZ · On-site

$26.44 - $33.65/hr

Job Summary The Credit Associate is an entry-level role responsible for supporting Credit Analysts ... risk management process. WaFd Bank is proud of the high value that we all place on simply being ...

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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 7, 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.

Credit Director

QXO

Glendale, AZ • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 16 days ago

QXO rating

8.0

Company rating: 8.0 out of 10

Based on 45 frontline employees who took The Breakroom Quiz

114th of 412 rated retail wholesalers

Job description

QXO is a leading distributor and installer of building products serving an $800 billion market. The company's mission is to modernize the building products industry through advanced technology and a best-in-class customer experience. QXO is North America's largest distributor and installer of insulation, the second-largest distributor of roofing products, the second-largest publicly traded distributor of lumber and building materials, and the largest distributor of waterproofing products. The company is targeting $50 billion in annual revenue within the decade through accretive acquisitions and organic growth. For more information, visit QXO.com.
What you'll do:
  • Partner closely with Sales and key customers to support revenue growth while maintaining disciplined credit risk management
  • Serve as a senior, client-facing leader-building relationships with strategic accounts and resolving complex credit issues
  • Establish and execute credit strategies, policies, and procedures that balance risk and growth
  • Lead, coach, and develop a team of Credit Managers, ensuring strong performance, consistency, and alignment with company goals
  • Oversee credit underwriting decisions, including large or complex transactions and exceptions to policy
  • Monitor and manage overall accounts receivable performance, including DSO, delinquency trends, and bad debt
  • Drive proactive risk assessment and ensure timely updates to customer credit profiles
  • Lead negotiations on high-risk or delinquent accounts to minimize losses and preserve customer relationships
  • Oversee third-party collections, legal escalations, lien/bond processes, and bankruptcy activities
  • Deliver regular reporting and insights to senior leadership on credit performance, risk exposure, and portfolio health
  • Partner cross-functionally with Finance, Sales, Operations, and Legal to support scalable growth
  • Champion process improvements, systems enhancements, and best practices across the credit function

What you'll bring:
  • 10+ years of progressive experience in credit, collections, or financial risk management
  • Proven leadership experience managing and developing high-performing teams (including managing managers)
  • Strong business acumen with the ability to balance risk management and commercial growth objectives
  • Excellent interpersonal and communication skills, with a demonstrated ability to influence both internal stakeholders and external customers
  • Experience working in a client-facing capacity and partnering closely with Sales teams
  • Deep understanding of accounts receivable management, credit underwriting, and risk assessment
  • Experience in manufacturing, retail, construction or related industry a plus
  • Working knowledge of accounting and finance principles; familiarity with lien and bond processes is a plus
  • Strong analytical, negotiation, and problem-solving skills
  • Proficiency in Microsoft Office Suite and credit/ERP systems
  • Bachelor's degree in Business, Finance, or a related field preferred
  • Willingness to travel occasionally for customer and business needs

What you'll earn
  • 401(k) with employer match
  • Medical, dental, and vision insurance
  • PTO, company holidays, and parental leave
  • Paid training and certifications
  • Legal assistance and identity protection
  • Pet insurance
  • Employee assistance program (EAP)

QXO is an Equal Opportunity Employer. We value diversity and do not discriminate on the basis of race, color, religion, gender or sexual orientation, national origin, age, disability, or any other protected status.

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