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Credit Risk Analyst Jobs in Seattle, WA (NOW HIRING)

Grid

Risk Analyst (Seattle on-site only)

Seattle, WA

$70K - $110K/yr

The Grid app lets users access cash, build credit, spend money, optimize their taxes, and lots ... The role We're adding a Risk Analyst to our team to help us build and scale our user-facing ...

Grid

Risk Analyst (Seattle on-site only)

Seattle, WA

$70K - $110K/yr

The Grid app lets users access cash, build credit, spend money, optimize their taxes, and lots ... The role We're adding a Risk Analyst to our team to help us build and scale our user-facing ...

Zionsbank Corp

Credit Analyst - Seattle, WA

Seattle, WA

$79K - $114K/yr

The Credit Analyst provides top notch customer service to our clients and customers at our ... Working knowledge of credit risk, legal and regulatory requirements. * Ability to work with lending ...

SanMar- External

Manager, Credit

Issaquah, WA · Hybrid

$90K - $125K/yr

The Manager, Credit leads SanMar's credit and collections function, overseeing accounts receivable and credit analyst teams to support sales growth while managing credit risk. This role provides ...

SanMar- External

Manager, Credit

Issaquah, WA · On-site

$90K - $125K/yr

The Manager, Credit leads SanMar's credit and collections function, overseeing accounts receivable and credit analyst teams to support sales growth while managing credit risk. This role provides ...

SanMar-Internal

Manager, Credit

Issaquah, WA · Hybrid

$90K - $125K/yr

The Manager, Credit leads SanMar's credit and collections function, overseeing accounts receivable and credit analyst teams to support sales growth while managing credit risk. This role provides ...

SanMar

Manager, Credit

Issaquah, WA · On-site

$90K - $125K/yr

The Manager, Credit leads SanMar's credit and collections function, overseeing accounts receivable and credit analyst teams to support sales growth while managing credit risk. This role provides ...

SanMar-Internal

Manager, Credit

Issaquah, WA · On-site

$90K - $125K/yr

The Manager, Credit leads SanMar's credit and collections function, overseeing accounts receivable and credit analyst teams to support sales growth while managing credit risk. This role provides ...

GM Financial

ACF Sr Credit Analyst I

Lynnwood, WA · Hybrid

$61K - $116K/yr

Proven ability to analyze credit risk, identify issues, and develop effective solutions. * Demonstrated skills in customer relations, negotiation, and dealer relationship management. * Ability to ...

GM Financial

ACF Sr Credit Analyst I

Lynnwood, WA · On-site

$61K - $116K/yr

Analyze credit data to determine the degree of risk involved in extending credit. * Make decisions to approve or deny the extension of credit within set credit authority established by senior ...

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Showing results 1-20

All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Seattle, WA

Credit Risk Analyst information

See Seattle, WA salary details

$42.1K

$129.6K

$224.8K

How much do credit risk analyst jobs pay per year?

As of Jul 6, 2026, the average yearly pay for credit risk analyst in Seattle, WA is $129,600.00, according to ZipRecruiter salary data. Most workers in this role earn between $93,900.00 and $159,900.00 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.

How much does a Credit Risk Analyst make?

The average salary for a Credit Risk Analyst is approximately $70,000 to $90,000 annually, depending on experience, location, and the company's size. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher compensation, often supplemented with bonuses and benefits.

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.

Will a credit analyst be replaced by AI?

Credit risk analysts perform tasks such as evaluating creditworthiness and analyzing financial data, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can assist with data processing and risk modeling, human analysts are still essential for complex decision-making and nuanced assessments. The role is evolving to include managing AI outputs and maintaining oversight of automated systems.

Does credit risk pay well?

Credit risk analysts typically earn competitive salaries that vary by experience, location, and industry. Entry-level positions may start lower, but with experience and certifications like CFA or FRM, salaries can increase significantly, often reaching above the national average for financial roles.

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.

What do credit risk analysts do?

Credit risk analysts evaluate the creditworthiness of individuals or organizations to determine the likelihood of default on loans or credit agreements. They analyze financial data, credit reports, and market conditions using tools like spreadsheets and credit scoring models to assess risk and support lending decisions.
More about Credit Risk Analyst jobs
What are the most commonly searched types of Credit Risk Analyst jobs in Seattle, WA? The most popular types of Credit Risk Analyst jobs in Seattle, WA are:
What are popular job titles related to Credit Risk Analyst jobs in Seattle, WA? For Credit Risk Analyst jobs in Seattle, WA, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Seattle, WA look for? The top searched job categories for Credit Risk Analyst jobs in Seattle, WA are:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Seattle, WA as of June 2026, with employment types broken down into 1% As Needed, 64% Full Time, 28% Part Time, 6% Contract, and 1% Nights. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $129,600 per year, or $62.3 per hour.
Senior Finance Manager- Credit Risk

Senior Finance Manager- Credit Risk

Microsoft

Redmond, WA • On-site

Full-time

Posted 11 days ago

Microsoft rating

8.6

Company rating: 8.6 out of 10

Based on 129 frontline employees who took The Breakroom Quiz

55th of 202 rated software companies

Job description

Overview
The Treasury Credit Risk team is looking for a Senior Finance Manager, Credit Risk who will have accountability for managing Credit Risk, while supporting revenue growth and protecting the company from financial and business risks. This will be a key role that will partner with Treasury stakeholders, including Infrastructure and Applications, Deal Execution and Collections in implementation of Microsoft credit risk policies and creating avenues to maximize revenue.
Microsoft's mission is to empower every person and every organization on the planet to achieve more. As employees, we come together with a growth mindset, innovate to empower others, and collaborate to realize our shared goals. Each day we build on our values of respect, integrity, and accountability to create a culture of inclusion where everyone can thrive at work and beyond.
Responsibilities
Prioritize
  • Leverage technology in managing credit risk, performing analysis, building risk models and credit solutions for capacity restraint situations. Develop and leverage relationships with key stakeholders to enable customer focused financing solutions that mitigate Microsoft's business risk.
  • Provide business leader support and actionable insights during financial close periods. Responsible for approving transactions like Collectability Reserve, Payment plans and restructuring, non-standard payment terms, etc.
  • Overall credit risk accountability of providing support, direction, and leadership for portfolio of trade AR and financing receivables.
  • Understand customer credit capacity needs; drive and support customer satisfaction initiatives, address customer and stakeholder queries, and represent Microsoft positively.
  • Contributes to new and unconventional methods and approaches to data collection, analysis, interpretation, and financial models. Provides advice and direction in evaluating suitability and reliability of data, articulate limitations, and propose solutions on data management and operations.

Partnership
  • Partner with other Treasury teams including Payment Solution Desk, and Customer Advocacy to deliver customer focused solutions that drive deal velocity while mitigating Microsoft's credit exposure.
  • Engage in projects across Treasury to drive efficiencies, mitigate Microsoft's credit exposure, and increase automation in credit risk. Develops new approaches to leverage best-in-class technology (e.g., Machine Learning, Artificial Intelligence, Predictive Analytics etc.) to accomplish goals.
  • Manage and execute processes through engagement with internal and external stakeholders. Collaborate with business leaders to define action plans for financial and business analysis findings
  • Integrates varied data sources and assimilates the information into a comprehensive, clear narrative. Communicates results in a compelling, timely, and understandable message through storytelling. Articulates understanding and awareness of business partner situations.
  • Develops and manages strategies to proactively mitigate, or reactively address, potential adverse effects of macroeconomic and/or geopolitical risks. Assesses potential impacts of changes.

Protect
  • Supports key organizational processes; provides input for annual risk assessment; engages in cross team collaboration.
  • Provide business insights and recommendations to peers and stakeholders to support revenue growth in a compliant manner.
  • Ensures compliance with company policies, legal standards, and regulatory requirements by reviewing and monitoring the accuracy of financial documents and business processes. Drives corrective measures. Supports questions regarding documentation, policy adherence, and requirements. Remains current on all company policies and procedures and updates others.
  • Ensures collaboration between business stakeholders and internal audit team. Meets with internal and external auditors to discuss audit procedures, respond to questions, and provide information and records.
  • Manages accounting and financial compliance, including the collection of data, accurate record-keeping, and coordinating with local Finance, Regional, and Corporate teams to implement reporting processes and ensure compliance with local legislations and statutory requirements. Advises and consults with peers and stakeholders regarding documentation, policy adherence, and sharing of financial data and information to minimize risk. Understands and adheres to financial compliance standards, Microsoft privacy, security, and ethical standards.

Other
  • Embody Microsoft culture and values

Qualifications
Required Qualifications
  • Master's Degree in Business Administration, Accounting, Finance, Economics, Data Science or related field AND 2+ years experience in financial analysis, accounting, controllership or finance, or related field OR Bachelor's Degree in Business Administration, Accounting, Finance, Economics, Data Science or related field AND 4+ years experience in financial analysis, accounting, controllership or finance, or related field OR equivalent experience.

Preferred Qualifications
  • Reporting, Analytics, and/or forecasting
  • Adept usage of CoPilot, CoWork and other AI toolsets across a large corporate environment
  • Master's Degree in Business Administration, Accounting, Finance, Economics, Data Science or related field AND 2+ years experience in financial analysis, credit risk, controllership or finance, or related field
  • Demonstrated ability to collaborate across teams to achieve results

Treasury IC4 - The typical base pay range for this role across the U.S. is USD $97,600 - $188,400 per year. There is a different range applicable to specific work locations, within the San Francisco Bay area and New York City metropolitan area, and the base pay range for this role in those locations is USD $125,000 - $206,400 per year.
Certain roles may be eligible for benefits and other compensation. Find additional benefits and pay information here:
https://careers.microsoft.com/us/en/us-corporate-pay
This position will be open for a minimum of 5 days, with applications accepted on an ongoing basis until the position is filled.
Microsoft is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity or expression, genetic information, immigration status, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances. If you need assistance with religious accommodations and/or a reasonable accommodation due to a disability during the application process, read more about requesting accommodations.

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About Microsoft

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Our infrastructure is comprised of a large global portfolio of more than 100 datacenters and 1 million servers. Our foundation is built upon and managed by a team of subject matter experts working to support services for more than 1 billion customers and 20 million businesses in over 90 countries worldwide. With environmental sustainability and optimization at the forefront of our datacenter design and operations, we continue to grow and evolve as we meet the ever-changing business demands that hold Microsoft as a world-class cloud provider.

Industry

Computer and computer peripheral equipment and software wholesalers

Company size

10,000+ Employees

Headquarters location

Redmond, WA, US

Year founded

1975

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