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Credit Risk Analyst Jobs (NOW HIRING)

US Bank

Credit Risk Analyst

Minneapolis, MN

Bank's Credit Risk Management area is seeking a Credit Risk Analyst to work on their Dealer Services (auto loan, auto lease, and recreational vehicle and marine craft) portfolios. Credit Risk ...

U.S. Bank

Credit Risk Analyst

Minneapolis, MN · On-site

Bank's Credit Risk Management area is seeking a Credit Risk Analyst to work on their Dealer Services (auto loan, auto lease, and recreational vehicle and marine craft) portfolios. Credit Risk ...

Genworth Financial

Credit Risk Analyst

Raleigh, NC · Hybrid

We're looking for a Credit Risk Analyst in Raleigh, NC to join us in fulfilling our mission, while utilizing our values of excellence, improvement, and connection. In this role, you will provide ...

Continental Finance

Credit Risk Analyst

Wilmington, DE · Hybrid

We are seeking a Data Analyst to support our Credit Risk team. Seeking a Data Analyst to support direct mail and Invitation-To-Apply (ITA) acquisition campaigns through targeting, list processing and ...

Monitise

Credit Risk Analyst

Coral Springs, FL · On-site

As a Credit Risk Analyst, you will perform credit analysis and underwriting activities for prospective and existing commercial, merchant, and portfolio accounts. You will work with internal risk ...

Gnw

Credit Risk Analyst

Raleigh, NC · Hybrid

We're looking for a Credit Risk Analyst in Raleigh, NC to join us in fulfilling our mission, while utilizing our values of excellence, improvement, and connection. In this role, you will provide ...

HR Power 10

Credit & Risk Analyst

Louisville, KY

... market risk dynamics. Key Responsibilities Borrower Credit & Experience Analysis Lead all borrower pre-approval underwriting with a structured, evidence-based approach. Evaluate historical flip ...

Reach Financial

Credit Risk Analyst

New York, NY

Credit Risk Analyst/Associate Location: NYC (3-4 days in office; EST hours) Compensation: $90,000 - $110,000 (depending on experience level) + bonus What is Reach Financial? Reach Financial is a ...

Fidelity Investments

Credit Risk Analyst

Jersey City, NJ · On-site

$67K - $127K/yr

Fidelity will not provide immigration sponsorship for this position As a Credit Risk Analyst in the Credit Risk Vendor Management team you will be responsible for ensuring that all Teir 1 and Tier 2 ...

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All JobsCredit Risk Analyst Jobs

Credit Risk Analyst information

See salary details

$37K

$113.9K

$197.5K

How much do credit risk analyst jobs pay per year?

As of Jun 28, 2026, the average yearly pay for credit risk analyst in the United States is $113,881.00, according to ZipRecruiter salary data. Most workers in this role earn between $82,500.00 and $140,500.00 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.

How much does a Credit Risk Analyst make?

The average salary for a Credit Risk Analyst at Goldman Sachs is typically between $70,000 and $120,000 annually, depending on experience, location, and level of seniority. Compensation may also include bonuses and benefits, with higher salaries often associated with advanced certifications and specialized skills in risk assessment and financial analysis.

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 financial data and assessing creditworthiness, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can automate data analysis and streamline processes, human analysts are still essential for complex decision-making and risk assessment. The role is evolving to include working alongside AI technologies to improve efficiency and accuracy.

How much do risk analysts get paid?

Risk analysts, including credit risk analysts, typically earn a median annual salary of around $70,000 to $90,000, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications like CFA or FRM can earn higher salaries and bonuses.

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 economic trends, often using specialized software, to assess risk levels and recommend credit limits or approval decisions. Their work helps financial institutions manage potential losses and ensure sound lending practices.
More about Credit Risk Analyst jobs
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Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in the United States as of June 2026, with employment types broken down into 1% As Needed, 63% Full Time, 28% Part Time, 7% Contract, and 1% Nights. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $113,881 per year, or $54.8 per hour.
Credit Risk Analyst

Credit Risk Analyst

BizTek People, Inc.

Manhattan, NY

Other

Posted 26 days ago

Job description

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Prestigious international bank seeks a Credit Risk Analyst responsible for credit risk management and related administrative work for Corporate Finance Department. Works with and assists the Account Officers to service the Bank's corporate clients. Develops<\/span> and analyzes all types of credit information including financial statements, completes all documents (including projections), prepares analysis and makes appropriate recommendations. <\/span><\/span>
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Primary responsibilities:<\/span><\/b>
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         <\/span><\/span><\/span>Financial statement analysis of borrowers (historical and future projections) of their parent companies;<\/span>
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         <\/span><\/span><\/span>Preparation of credit applications, for new, renewals, amendments and extensions<\/span>
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         <\/span><\/span><\/span>Preparation of various applications relating to non\-credit business such as fee waiver, daylight overdraft, etc.<\/span>
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         <\/span><\/span><\/span>Credit rating, both for borrowers and for each facility<\/span>
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         <\/span><\/span><\/span>Credit monitoring including conducting covenant checks<\/span>
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         <\/span><\/span><\/span>Assist in asset quality assessment;<\/span>
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Requirements<\/h3>

         <\/span><\/span><\/span>Bachelor's degree or higher in Finance, Accounting, Business, or Economics<\/span>
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         <\/span><\/span><\/span>Prior banking, rating agency or other financial institution experience is preferred<\/span>
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         <\/span><\/span><\/span>Effective verbal and written communication skills in both Japanese and English is required<\/span>
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         <\/span><\/span><\/span>Prior experience in financial statements \/ cash flow \/ credit analysis highly preferred<\/span>
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         <\/span><\/span><\/span>Good analytical, organizational and communication skills<\/span>
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         <\/span><\/span><\/span>Word, Excel, Access, and PowerPoint<\/span>
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Benefits<\/h3>\n
\n Good benefits\n <\/div><\/span>
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