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Credit Risk Associate Jobs in Clark, NJ (NOW HIRING)

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Credit Risk Associate information

See Clark, NJ salary details

$51K

$111.5K

$186.6K

How much do credit risk associate jobs pay per year?

As of Aug 7, 2026, the average yearly pay for credit risk associate in Clark, NJ is $111,480.00, according to ZipRecruiter salary data. Most workers in this role earn between $76,500.00 and $144,800.00 per year, depending on experience, location, and employer.

What skills and qualifications are needed to thrive as a credit risk associate?

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 Clark, NJ? The most popular types of Credit Risk jobs in Clark, NJ are:
What are popular job titles related to Credit Risk Associate jobs in Clark, NJ? For Credit Risk Associate jobs in Clark, NJ, the most frequently searched job titles are:
What job categories do people searching Credit Risk Associate jobs in Clark, NJ look for? The top searched job categories for Credit Risk Associate jobs in Clark, NJ are:
What cities near Clark, NJ are hiring for Credit Risk Associate jobs? Cities near Clark, NJ with the most Credit Risk Associate job openings:
Credit Risk Associate jobs near you
Infographic showing various Credit Risk Associate job openings in Clark, NJ as of July 2026, with employment types broken down into 69% Full Time, 28% Part Time, 1% Temporary, 1% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $111,480 per year, or $53.6 per hour.

US/NY CRE FSL Associate (Risk Management)

Morgan Stanley

New York, NY

$100K - $140K/yr

Full-time

Re-posted 21 days ago

Morgan Stanley rating

8.4

Company rating: 8.4 out of 10

Based on 155 frontline employees who took The Breakroom Quiz

30th of 150 rated financial services

Job description

Firm Risk Management
Firm Risk Management (FRM) supports Morgan Stanley to achieve its business goals by partnering with business units across the Firm to realize efficient risk-adjusted returns, acting as a strategic advisor to the Board and protecting the Firm from exposure to losses due to credit, market, liquidity, model and other risks.
The FRM Credit Risk Management - Securitized Products Group's Fixed Income Division Secured Lending (FSL) team is seeking an Associate. The Associate will evaluate credit risk across Commercial Real Estate (CRE) warehouse facilities and pledged collateral, review loan structures, and assess risk mitigants. This role partners closely with the business unit to ensure credit risk assessments are clearly incorporated into decision-making.
Primary Responsibilities
- Lead credit coverage and oversight of a CRE warehouse lending portfolio, including analysis of underlying collateral, sponsor strength, and facility structures
- Independently manage, evaluate, and recommend credit decisions on new facility originations, renewals, amendments, collateral pledges, and loan modifications
- Facilitate and lead key meetings with stakeholders, including client due diligence sessions, credit committees, and business unit discussions
- Monitor portfolio performance and credit trends and prepare ad hoc reporting for senior management
- Conduct quantitative and qualitative analysis using CRE databases such as CoStar, Greenstreet, Intex, etc.
- Support the development and training of junior team members Experience
- Bachelor's degree required
- A minimum of 3 years credit risk or equivalent relevant experience; familiarity in CRE or related asset class is preferred
- Effective verbal and written communication skills required
- Strong collaboration skills and ability to work effectively across teams
- Ability to assess issues thoughtfully, apply sound judgment, and solve problems effectively
- Self-directed approach with strong follow-through and accountability
- Strong organizational and time management skills
- Ability to manage multiple priorities and deliver high-quality work within established timelines

WHAT YOU CAN EXPECT FROM MORGAN STANLEY:

At Morgan Stanley, we raise, manage and allocate capital for our clients - helping them reach their goals. We do it in a way that's differentiated - and we've done that for 90 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work.

To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices into your browser.

Expected base pay rates for the role will be between $100,000 and $140,000 year at the commencement of employment.However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs.

Morgan Stanley is an equal opportunity employer committed to building and maintaining a workforce that is diverse in experience and background. Our recruiting efforts reflect our strong commitment to a culture of inclusion, where individuals are hired, developed, and advanced based on their skills and talents.

Our workforce reflects a broad cross-section of the global communities in which we operate, bringing a variety of backgrounds, talents, perspectives, and experiences.

For more information, please visit: https://www.morganstanley.com/people-opportunities/eeo.

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