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

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 ...

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 ...

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 ...

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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 Aug 22, 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 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 Silver Spring, MD?

The most popular types of Credit Risk Analyst jobs in Silver Spring, MD are:

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For Credit Risk Analyst jobs in Silver Spring, MD, the most frequently searched job titles are:

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The top searched job categories for Credit Risk Analyst jobs in Silver Spring, MD are:

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 August 2026, with employment types broken down into 60% Full Time, and 40% Part Time. Highlights an 60% In-person, and 40% Hybrid job distribution, with an average salary of $117,728 per year, or $56.6 per hour.

DTCC - Senior Credit Risk Associate

Beyond SOF

Mclean, VA • On-site

Full-time

Re-posted 11 days ago

Job description

Senior Credit Risk Associate
Location: McLean, VA | Dallas, TX | Tampa, FL | Jersey City, NJ
Experience level: Mid-senior
Experience required: 5 Years
Education level: Bachelor's degree
Job function: Finance
Industry: Financial Services
Total position: 1
Relocation assistance: No
Visa : Only US citizens and Greencard holders
Job Description:
  • The Counterparty Credit Risk (CCR) team is primarily responsible for assessing the financial stability of DTCC's member firms by interpreting financial statements of banks, broker-dealers, and other financial firms
  • As a Senior Credit Risk Associate within the CCR team, you will be responsible for assessing the creditworthiness of a portfolio consisting of banks, broker-dealers, and other financial institutions.
  • You will perform annual reviews and ongoing surveillance, review earnings releases, and new member applications. You will also be tasked with maintenance of the credit risk rating matrix, and compliance assessment with established financial parameters.

Responsibilities:
  • Analyze financial statements to identify credit risks and mitigants, and to assess trends in financial institutions' (e.g., banks, broker-dealers, insurance companies, central securities depositories, etc.) capital adequacy, profitability, asset quality, and liquidity/funding management
  • Perform annual reviews and ongoing surveillance of member firms across clearing corporations, to assess the creditworthiness of member firms.
  • Participate in gathering requirements for the design of credit risk monitoring tools to further automation and other risk-related initiatives.
  • Work with internal departments, including Market Risk, Product Management, Relationship
  • Management, Legal, and Compliance, to maintain transparency when assessing potential risk exposures within member firms.
  • Review new member full-service applications to assess whether the applicants' financial condition meets DTCC member requirements.
  • Assess whether member firms need to be placed on enhanced surveillance based on newly disclosed material events.
  • Adhere to risk-related policies and best practices of CCR.
  • Demonstrate the behaviors and competencies that create a risk management mindset in the organization.
  • Demonstrate regulatory awareness and compliance and ensure adherence to risk-related policies and best practices.
  • Ensure compliance with CCR's policies and procedures.

Qualifications:
  • Bachelor's degree in Accounting, Finance, Business, or Economics required, MBA or CFA preferred
  • Minimum of 5 years' experience in risk management or financial analysis
  • Excellent knowledge of financial statement analysis for various financial institutions, particularly banks and broker-dealers
  • Fundamental credit analysis skills, including knowledge of CAMELS and other rating systems
  • In-depth understanding of regulatory rules and regulations

Additional Qualifications:
  • Experience in working with new technological initiatives and setting forth business requirements
  • Effective communication skills, both oral and written

Apply