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Credit Risk Associate Jobs in Texas (NOW HIRING)

GM Financial

Risk Credit Policy Analyst II

Irving, TX · On-site

Risk Credit Policy Analyst II is responsible for analyzing credit risk exposure related to consumer ... High School Diploma * Associate Degree * Bachelor's Degree Finance, Economics, Mathematics ...

GM Financial

Risk Credit Policy Analyst II

Irving, TX · Hybrid

High School Diploma * Associate Degree * Bachelor's Degree Finance, Economics, Mathematics ... Risk Credit Policy Analyst II is responsible for analyzing credit risk exposure related to consumer ...

Nabors Industries Limited

Credit Analyst

Houston, TX · On-site

... risk investigations and serve as the designated backup for the Senior Credit & Corporate Card Analyst. *Assists with special projects and other duties as assigned #Li-JA1 Qualifications * Associate ...

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Credit Risk Associate information

See Texas salary details

$46.6K

$101.8K

$170.5K

How much do credit risk associate jobs pay per year?

As of Jul 4, 2026, the average yearly pay for credit risk associate in Texas is $101,843.00, according to ZipRecruiter salary data. Most workers in this role earn between $69,900.00 and $132,300.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Credit Risk Associate, and why are they important?

To thrive as a Credit Risk Associate, you need strong analytical skills, attention to detail, and a solid understanding of financial statements, typically backed by a degree in finance, economics, or a related field. Familiarity with risk assessment software, credit modeling tools, and proficiency in Excel or similar data analysis programs are essential technical requirements. Strong communication, problem-solving abilities, and sound judgment help you effectively collaborate with stakeholders and make informed recommendations. These skills and qualities are crucial for accurately assessing creditworthiness and minimizing financial risk for the organization.

What does a Credit Risk Associate do?

A Credit Risk Associate is responsible for assessing and managing the risk that a borrower may default on a loan or credit obligation. They analyze financial statements, credit reports, and market data to evaluate the creditworthiness of individuals or companies. Their work helps financial institutions make informed lending decisions, set appropriate credit limits, and comply with regulatory requirements. Credit Risk Associates also monitor existing credit exposures and may recommend strategies to mitigate potential losses.

What is the difference between Credit Risk Associate vs Credit Analyst?

AspectCredit Risk AssociateCredit Analyst
Required CredentialsBachelor's degree, relevant certifications often preferredBachelor's degree, certifications like CFA or credit-specific courses beneficial
Work EnvironmentFinancial institutions, banks, credit agenciesBanks, investment firms, credit rating agencies
Employer & Industry UsageCommonly used in risk management teamsUsed in credit assessment and lending decisions
Comparison Search IntentUnderstanding risk roles in creditAnalyzing creditworthiness of clients

Both roles involve assessing credit-related information, but Credit Risk Associates focus on managing overall risk exposure, while Credit Analysts evaluate individual creditworthiness. The roles often overlap in skills and industry settings, making them closely related but distinct in scope.

How does a Credit Risk Associate typically collaborate with other teams within a financial institution?

Credit Risk Associates work closely with various departments, including front-office lending teams, compliance, and portfolio management. They regularly communicate with relationship managers to gather client information, and partner with data analysts to assess credit models and risk metrics. This collaborative environment ensures that credit decisions are well-informed and compliant with internal policies. Being proactive and communicative is key, as the role often requires balancing risk assessment with business growth objectives.
What are the most commonly searched types of Credit Risk jobs in Texas? The most popular types of Credit Risk jobs in Texas are:
What are popular job titles related to Credit Risk Associate jobs in Texas? For Credit Risk Associate jobs in Texas, the most frequently searched job titles are:
What job categories do people searching Credit Risk Associate jobs in Texas look for? The top searched job categories for Credit Risk Associate jobs in Texas are:
What cities in Texas are hiring for Credit Risk Associate jobs? Cities in Texas with the most Credit Risk Associate job openings:
Credit Risk Associate jobs near you
Infographic showing various Credit Risk Associate job openings in Texas as of June 2026, with employment types broken down into 85% Full Time, 12% Part Time, 1% Temporary, 1% Contract, and 1% Nights. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $101,843 per year, or $49 per hour.
Risk Credit Policy Analyst II

Risk Credit Policy Analyst II

GM Financial

Irving, TX • On-site

Full-time

Retirement

Posted 8 days ago

GM Financial rating

7.9

Company rating: 7.9 out of 10

Based on 41 frontline employees who took The Breakroom Quiz

63rd of 146 rated vehicle equipment hire

Job description


Why GM Financial?
GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers, we offer attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses.
At GM Financial, our team members define and shape our culture - an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work - we thrive.
Our Purpose: We pioneer the innovations that move and connect people to what matters.
This position will be posted until filled.
Responsibilities
About the role:
Risk Credit Policy Analyst II is responsible for analyzing credit risk exposure related to consumer and commercial loan and lease acquisition activities. The position involves conducting analysis to mitigate credit risk, create and monitor credit policy, measure credit execution and credit structure. In addition, this position will be responsible for monitoring credit performance by region, credit center, and dealership.
In this role you will:
  • Develop and continuously enhance credit underwriting policies and risk scorecards, translating risk appetite into data-driven decision rules, segmentation, and lending criteria
  • Monitor, validate, and optimize policy and scorecard performance through back-testing, trend analysis, and impact assessments on approvals, volumes, and portfolio credit outcomes
  • Utilize data mining and advanced spreadsheet skills to quantify credit risk related to loan and lease origination activities
  • Summarize findings, develop recommendations and present analyses to management in a clear, concise, convincing, and actionable format
  • Employ best practices of data analysis and validation to ensure data results are accurate
  • Assist in the creation, maintenance and monitoring of origination credit policies, procedures and lending stipulations
  • Understand how change to origination credit policy and lending environment can impact loan/lease volume as well as overall credit performance
  • Proactively monitor and report relevant changes in origination trends and portfolio performance to management
  • Conduct ad hoc research projects incorporating project design, data collection and analysis, summarization of finding, and presentation of results

Qualifications
What makes You an ideal candidate?
  • Demonstrated understanding of data warehouses, data mining, reporting, data analysis and data visualization techniques
  • Hands-on experience in developing and managing credit underwriting policies and origination scorecards, including implementation of decision rules and lending criteria
  • Strong understanding of risk-based decisioning frameworks, including approval strategies, segmentation, and policy-rule optimization
  • Advanced with Microsoft Excel, PowerPoint, and Word
  • Experience with respect to data analysis and spreadsheet modeling and/or reporting
  • Experience with coding (SAS or SQL preferred) for data mining and manipulation
  • Querying skills and knowledge in a data warehouse environment
  • Demonstrated quantitative skills
  • Acute attention to detail
  • Effective written and verbal presentation skills
  • Ability to interact collaboratively and proactively with internal customers
  • Capable of managing multiple projects, including ability to coordinate and balance numerous tasks in a time-sensitive environment, under pressure, meeting deadlines
  • Understanding of the metrics utilized in monitoring the performance of a consumer or commercial lending portfolio is a plus
  • Strong focus on providing quality service to internal and external customers.

Additional Knowledge and Skills
  • Working effectively within an AI enabled environment:
  • Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
  • Skills in evaluating AI outputs for accuracy, compliance, and bias
  • Experience integrating AI into workflows to improve efficiency or insights
  • Familiarity with AI assisted research, summarization, and content generation
  • Understanding of responsible AI use, including ethics and data protection

Work Experience & Education
  • 2-4 years experience working with complex Excel workbooks, querying large multi-table datasets, data analysis, and data presentation; the qualified candidate will also be able to demonstrate proficiency with the following tools: SAS and/or SQL, Microsoft Excel, PowerPoint, and Word Required
  • 2-4 years experience in consumer and/or commercial loan and lease origination analysis Preferred
  • High School Diploma
  • Associate Degree
  • Bachelor's Degree Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field; degrees in non-quantitative fields considered with adequate work experience Required
  • Master's Degree Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field Preferred

What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays.
Our Culture: Our team members define and shape our culture - an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work - we thrive.
Compensation: Competitive pay and bonus eligibility.
Work Life Balance: Flexible hybrid work environment, 2-days a week in office.
NOTE: We are unable to consider candidates who require visa sponsorship for this position
This position is not open to agency submissions
#GMFJobs #LI-Hybrid #LI-MO1

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