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Credit Risk Analyst Jobs in Silver Spring, MD (NOW HIRING)

Aston Carter

Senior Credit Manager

Baltimore, MD · On-site

$90K - $110K/yr

This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and extensive cross-functional collaboration with sales, customer service, supply chain, and corporate ...

Aston Carter

Senior Credit Manager

Baltimore, MD

This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and extensive cross-functional collaboration with sales, customer service, supply chain, and corporate ...

Aston Carter

Senior Credit Manager

Baltimore, MD · On-site

$90K - $110K/yr

This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and extensive cross-functional collaboration with sales, customer service, supply chain, and corporate ...

Aston Carter

Senior Credit Manager

Baltimore, MD

This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and extensive cross-functional collaboration with sales, customer service, supply chain, and corporate ...

System One

Risk Analyst

Vienna, VA · Remote

Full background check, criminal - credit - fingerprinting Responsibilities * Support the operation of the risk function by evaluating and analyzing risks of varying complexity. * Identify and ...

System One

Risk Analyst

Vienna, VA · Remote

Full background check, criminal - credit - fingerprinting Responsibilities * Support the operation of the risk function by evaluating and analyzing risks of varying complexity. * Identify and ...

System One

Risk Analyst

Vienna, VA · Remote

Full background check, criminal - credit - fingerprinting Responsibilities * Support the operation of the risk function by evaluating and analyzing risks of varying complexity. * Identify and ...

Aston Carter

Senior Credit Manager

Baltimore, MD · On-site

$90K - $110K/yr

This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and extensive cross-functional collaboration with sales, customer service, supply chain, and corporate ...

Lendable

Senior Credit Risk Manager

Arlington, VA

You will own core analytical infrastructure that underpins how we improve credit strategy, evaluate ... Develop repeatable frameworks for evaluating tradeoffs between conversion, risk, yield, and ...

M&T Bank

Commercial Credit Analyst CRE

Baltimore, MD · On-site

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial real estate clients.

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Silver Spring, MD

Credit Risk Analyst information

See Silver Spring, MD salary details

$38.3K

$117.7K

$204.2K

How much do credit risk analyst jobs pay per year?

As of Jul 12, 2026, the average yearly pay for credit risk analyst in Silver Spring, MD is $117,728.00, according to ZipRecruiter salary data. Most workers in this role earn between $85,300.00 and $145,200.00 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 Silver Spring, MD? The most popular types of Credit Risk Analyst jobs in Silver Spring, MD are:
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What cities near Silver Spring, MD are hiring for Credit Risk Analyst jobs? Cities near Silver Spring, MD with the most Credit Risk Analyst job openings:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Silver Spring, MD as of July 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 77% Full Time, 16% Part Time, 1% Temporary, and 4% Contract. Highlights an 81% Physical, 7% Hybrid, and 12% Remote job distribution, with an average salary of $117,728 per year, or $56.6 per hour.
Senior Credit Manager

Senior Credit Manager

Aston Carter

Baltimore, MD • On-site

$90K - $110K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 11 days ago

Job description

Senior Credit Manager
Job Description:
The Senior Credit Manager plays a key role within a large corporate finance organization, overseeing a defined portion of the customer credit portfolio across industrial, foodservice, specialty, export, and grocery channels. This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and extensive cross-functional collaboration with sales, customer service, supply chain, and corporate collections. Reporting directly to the Director of Finance, the Senior Credit Manager serves as a primary finance contact for customer-related transactions and presents credit recommendations to Senior finance leadership.
Responsibilities:
  • Perform detailed credit and financial statement analysis on new and existing customers, including review and interpretation of balance sheets, income statements, and cash flow statements.
  • Utilize credit scoring tools in combination with internal profitability data to recommend optimal credit terms that balance risk and commercial opportunity.
  • Prepare scheduled credit line reviews and present well-supported recommendations, including written narratives, to executive-level stakeholders.
  • Serve as the primary finance oversight for customer-related transactions, including invoicing, payments, collections, deductions, and credit/debit memos.
  • Co-supervise one Collection Analyst and provide day-to-day support for collection activities within the assigned customer portfolio.
  • Manage blocked orders on a daily basis, evaluating risk and determining whether to release or hold orders to protect cash flow and minimize exposure.
  • Identify and drive process improvement opportunities across the order-to-cash cycle to increase efficiency and enhance cash flow performance.
  • Maintain accurate and up-to-date customer data within ERP systems, leveraging system functionality to support touchless transactional processing.
  • Actively investigate, evaluate, and adopt AI-driven process enhancements within the credit function to modernize workflows and decision-making.
  • Partner closely with customers, sales managers, and internal business partners in supply chain and customer service to resolve payment and transactional issues diplomatically and efficiently.
  • Collaborate with corporate collections and other finance team members to ensure consistent application of credit policies and risk management practices.
  • Contribute to continuous improvement initiatives within the broader finance team by sharing insights from credit analysis and portfolio performance.

Essential Skills:
  • Bachelor's degree in Accounting, Business Administration, or Finance.
  • Minimum of 3 years of experience in domestic corporate credit analysis.
  • Strong financial statement analysis skills, including the ability to interpret balance sheets, income statements, and cash flow statements.
  • Demonstrated expertise in credit risk assessment and recommending appropriate credit terms.
  • Experience managing customer credit portfolios, including setting and reviewing credit limits.
  • Working knowledge of order-to-cash processes, including invoicing, collections oversight, and accounts receivable management.
  • Proficiency in credit analysis and credit risk disciplines, including credit and collections activities.
  • Solid understanding of accounting and finance principles relevant to corporate credit management.
  • Excellent written and verbal communication skills, with the ability to present credit recommendations and analyses to executive leadership.
  • Proficiency with MS Office applications for analysis, reporting, and presentation purposes.
  • Ability to work cross-functionally with sales, customer service, supply chain, and corporate collections teams.

Additional Skills & Qualifications:
  • Experience in a manufacturing, food and beverage, or consumer packaged goods (CPG) credit environment.
  • International corporate credit analysis experience, including evaluating global customers and markets.
  • Hands-on experience with SAP or other large ERP systems for credit, billing, and accounts receivable processes.
  • Hands-on experience with dedicated credit risk systems and tools.
  • Familiarity with credit risk monitoring services such as D&B, S&P, Moody's, and Credit Risk Monitor.
  • Experience co-supervising, mentoring, or developing collection analysts.
  • Exposure to AI-driven process improvement tools within finance or credit functions.
  • Experience negotiating alternative credit security options such as guarantees, standby letters of credit (LCs), and UCC filings.
  • Background in financial analysis, financial audit, and accounts receivable management.
  • Interest in professional development, continuing education, and certifications in credit, finance, or related disciplines.

Work Environment:
The role is based in a modern shared services campus in Baltimore, within a cubicle office setting alongside Finance, Supply Chain, and Customer Service teams, fostering daily cross-functional interaction and collaboration. The position offers a hybrid work arrangement with three days onsite and two days remote each week, providing flexibility while maintaining strong team engagement.
Job Type & Location
This is a Permanent position based out of Baltimore, MD.
Pay and Benefits
The pay range for this position is $90000.00 - $110000.00/yr.
Core offerings include comprehensive medical, dental, and vision insurance, a 401(k) retirement plan with employer matching, paid time off (PTO), and disability protection
Workplace Type
This is a hybrid position in Baltimore,MD.
Application Deadline
This position is anticipated to close on Jul 15, 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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