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Credit Risk Analyst Jobs (NOW HIRING)

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

Senior Credit Risk Analyst Department: Credit Risk Employment Type: Permanent Location: Atlanta Reporting To: Elliot Jackson Description About us: YouLend is a rapidly growing FinTech that is the ...

Prosper

Credit Risk Analyst

Charleston, WV · Remote

$102K - $140K/yr

The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in Prosper's online marketplace. A Credit Risk Analyst at Prosper has the opportunity to utilize ...

Prosper

Credit Risk Analyst

$102K - $140K/yr

The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in Prosper's online marketplace. A Credit Risk Analyst at Prosper has the opportunity to utilize ...

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

$90 - $130/hr

Senior Credit Risk Analyst Department: Credit Risk Employment Type: Permanent Location: Atlanta Reporting To: Elliot Jackson Description About us: YouLend is a rapidly growing FinTech that is the ...

Coast

Senior Credit Risk Analyst

New York, NY · On-site +1

$90K - $140K/yr

K-Dimensional Holdings Inc. dba Coast Job duties: - Analyze internal and external data-including credit bureau, financial, transactional, and application data -to support and refine credit risk ...

Coast

Senior Credit Risk Analyst

New York, NY · On-site

$90K - $140K/yr

K-Dimensional Holdings Inc. dba Coast Job duties: - Analyze internal and external data-including credit bureau, financial, transactional, and application data -to support and refine credit risk ...

TQL

Credit Risk Analyst

Cincinnati, OH · On-site

As a Credit Analyst you will be responsible for offering credit services to our customers. This ... Perform proactive risk reviews on a portfolio of customer accounts and collaborate with assigned ...

Braviant Holdings

Senior Credit Risk Analyst

Dallas, TX · Hybrid

Senior Credit Risk Analyst Function: Credit Risk Reports to: Head of Credit Level: Mid-Level / Senior Location: Addison, TX (5 days/week in-office) Please note: This position is open to candidates ...

Braviant Holdings

Senior Credit Risk Analyst

Dallas, TX · Hybrid

Senior Credit Risk Analyst Function: Credit Risk Reports to: Head of Credit Level: Mid-Level / Senior Location: Addison, TX (5 days/week in-office) Please note: This position is open to candidates ...

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Credit Risk Analyst information

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$37K

$113.9K

$197.5K

How much do credit risk analyst jobs pay per year?

As of Aug 29, 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 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.
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Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in the United States as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. 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

Columbia Banking System, Inc.

Tigard, OR • On-site

$90K - $120K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 11 days ago

Job description

About the Role:
This role supports the efforts of Credit Risk Administration in maintaining sound and effective management of the Bank's credit exposures by providing a robust Dual Risk Rating (DRR) system. Responsibilities include development and maintenance of risk rating scorecards including statistical models for assigned portfolios, development and production of complex reports and related data flows, frontline partner support, relevant credit policy support, and adherence to the Bank's Credit Risk Management policies and regulations. This position may provide leadership for other Credit Risk Analysts within the unit and be responsible for assigning work and resolving problems.
  • Develop and maintain PD and LGD risk rating scorecard models for assigned portfolios including statistical quantitative, qualitative, and combined scoring methodology.
  • Support the maintenance of the Bank's PD and LGD Master Rating Scales.
  • Design and develop risk rating reports and analytical dashboards for various audiences using BI tools with complex and large data sets.
  • Support frontline lending partners by contributing research and commentary to risk rating modeling discussions for complex and sizable borrowers. Act as a subject matter expert for systems procedural matters affecting operations.
  • Complete and maintain model documentation for assigned models. Work with Model Risk Management to ensure models are validated and remediate any findings.
  • Develop and perform ongoing model monitoring tests and procedures evaluating the continued validity of assigned models. Recommend changes to models as needed.
  • Develop data flows necessary to facilitate model testing, research, and reporting. Collaborate with internal partners for database development as needed.
  • Collaborate with various departments and project teams to maintain effective controls and efficient risk rating functionality.
  • Recommend credit policy changes related to risk rating practices of assigned portfolios. Assist with writing relevant credit policy as needed.
  • Present relevant subject matter to senior management and other interested parties including various bank personnel and regulators.
  • May function as a team leader responsible for assigning work and resolving problems.
  • May be asked to coach, mentor and/or train others and teach coursework as a subject matter expert.
  • Demonstrate compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies, procedures and compliance regulations. Completes all required annual or job-specific training. Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate.
  • May perform other duties as assigned.

About You:
Education
  • Bachelor's Degree in finance, economics, business, accounting or related field required.
  • Advanced degree and/or related certification in the same is preferred.

Experience
  • 4-7 years of credit risk-related experience with Commercial & Industrial or Commercial Real Estate loan types.
  • Commercial underwriting or lending experience is preferred.

Skills
  • Proficient understanding of credit concepts, common lending and loan monitoring practices, and underwriting techniques for Commercial & Industrial or Commercial Real Estate credit types.
  • Proficient understanding of databases, queries, data flows, and related systems. Must demonstrate proficiency with writing SQL.
  • Proficient understanding of statistics and predictive modeling techniques. Experience with credit risk models and/or relevant industry certifications is preferred.
  • Proficient with personal computers, MS Office (e.g. Word, Excel, PowerPoint) and other business systems. Advanced skill in Excel and functional familiarity with other BI technologies is required. Experience with PowerBI or R are preferred.
  • Ability to review, manipulate and analyze complex and large data sets.
  • Demonstrate excellent written and verbal communication and organizational skills.
  • Ability to prioritize and manage multiple tasks successfully, be detail oriented and operate under scheduled deadlines.
  • Possess aptitude for learning technical skills and concepts quickly.

Travel Requirements
  • Occasional

The pay range for this role is $90,000 to $120,000
The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.
Primary Location: Ability to work fully onsite at posted location(s).
6610 SW Cardinal Lane 2nd Floor Tigard OR 97224
Our Benefits:
We are proud to offer a competitive total rewards package including base wages and comprehensive benefits.
We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.
Our Commitment to Diversity:
Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: careers@columbiabank.com.
To Staffing and Recruiting Agencies:
Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.

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