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Credit Risk Associate Jobs in Cincinnati, OH (NOW HIRING)

TQL

Cargo Risk Associate

Cincinnati, OH

$17/hr

The Cargo Risk team has the opportunity and responsibility to make decisions in the best interest of TQL when it comes to evaluating high risk scenarios/commodities. As a member you will be ...

BlueStar US

Collections Specialist

Hebron, KY · On-site

$17.75 - $24/hr

... credit risk of potential and existing customers, all while providing excellent customer service ... Bachelor's or Associates Degree in Accounting, Finance, or Business Administration preferred, but ...

BlueStar US

Collections Specialist

Hebron, KY · On-site

$17.75 - $24/hr

... credit risk of potential and existing customers, all while providing excellent customer service ... Bachelor's or Associates Degree in Accounting, Finance, or Business Administration preferred, but ...

BlueStar

Collections Specialist

Hebron, KY

$17.75 - $24/hr

... credit risk of potential and existing customers, all while providing excellent customer service ... Bachelor's or Associates Degree in Accounting, Finance, or Business Administration preferred, but ...

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Credit Risk Associate information

See Cincinnati, OH salary details

$48K

$104.9K

$175.6K

How much do credit risk associate jobs pay per year?

As of May 28, 2026, the average yearly pay for credit risk associate in Cincinnati, OH is $104,884.00, according to ZipRecruiter salary data. Most workers in this role earn between $72,000.00 and $136,200.00 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.

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 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.

What are the most commonly searched types of Credit Risk jobs in Cincinnati, OH? The most popular types of Credit Risk jobs in Cincinnati, OH are:
What are popular job titles related to Credit Risk Associate jobs in Cincinnati, OH? For Credit Risk Associate jobs in Cincinnati, OH, the most frequently searched job titles are:
What job categories do people searching Credit Risk Associate jobs in Cincinnati, OH look for? The top searched job categories for Credit Risk Associate jobs in Cincinnati, OH are:
What cities near Cincinnati, OH are hiring for Credit Risk Associate jobs? Cities near Cincinnati, OH with the most Credit Risk Associate job openings:
Credit Risk Associate jobs near you

Credit Risk Review Specialist III

First Baptist Church of Alamance

Cincinnati, OH • On-site

$100K - $126K/yr

Full-time

Posted 19 days ago

Job description

We do the right things, right now.  We do them in a way that is relevant to our clients.  Become a part of our history as it continues to be written! 
If you are interested and qualified for this role, we invite you to apply.

The Specialist III is responsible for critical support of independent and objective evaluations of credit risk, credit controls, and credit administration across various lending portfolios. Demonstrates subject matter expertise, regularly leads or mentors others, and may serve as project lead for initiatives of departmental significance.

Essential Functions/Responsibilities

  • Independently conduct comprehensive reviews of assigned loan portfolios (commercial and retail).
  • Lead in the identification of credit weaknesses, emerging trends, or risk factors in reviewed loan portfolios.
  • Provide advanced independent analysis of borrower financials, loan structures, industry conditions, and market trends to identify systemic credit risk issues and opportunities.
  • Evaluate risk rating practices and ensure proper grading of credits according to bank standards and regulatory guidance.
  • Independently identify and investigate significant credit exceptions or risk issues, determining escalation needs and providing recommendations for remediation.
  • Serve as a department resource and subject matter expert; provide coaching and training to junior staff.
  • Lead projects or initiatives of departmental significance, including process and quality improvements.
  • Ensure compliance with regulatory requirements and internal bank policies.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

  • 8+ years previous credit related experience (credit/loan review, underwriting, lending, problem loan/workout, loan operations/administration, or related areas).
  • Comprehensive expertise in credit analysis, loan documentation, regulatory requirements, and risk assessment principles; ability to analyze all portfolios including highly complex credits.
  • Excellent language and analytical skills; able to synthesize and communicate complex credit risk issues, industry research, regulatory interpretations, and strategic recommendations.
  • Exceptional communication and interpersonal skills, with ability to influence, mentor, and present to management and cross-functional teams.
  • Enhanced organizational and time management abilities with capability to manage multiple tasks under supervision.
  • Strong computer skills, including Microsoft Office applications.
  • Bachelor's degree in Business, Finance, or Accounting or equivalent experience required.

Preferred Knowledge and Skills

  • Extensive experience navigating and interpreting regulatory environments.
  • Professional certification in credit or loan review.
  • Experience across a diverse array of credit products and complex portfolios.

Level of Complexity and Scope

  • Responsible for broad organizational impact; tackles highly complex and sensitive review matters.
  • Broad scope; leads projects with minimal guidance

Degree of Independence and Decision-Making

  • Applies advanced subject matter expertise in credit risk review, managing complex and specialized assignments.
  • Works independently with minimal supervision; provides guidance to junior staff.
  • Exercises sound independent judgment on most matters; escalates only highly complex or sensitive issues to management.

Required Supervisory Responsibilities

  • N/A

Physical Requirements

  • Remains stationary (sits or stands) for majority of the day
  • Operates a computer for majority of the day
  • Occasionally lifts and carries up to 10 lbs.

Compliance Statement

The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Development and Training

  • N/A

Pay Range:

$100,000/year to $126,000/year

Benefits

We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide.

Incentive Eligibility

All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.

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