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Credit Risk Associate Jobs in DeSoto, TX (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 ...

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All JobsCredit Risk Associate JobsCredit Risk Associate Jobs in DeSoto, TX

Credit Risk Associate information

See DeSoto, TX salary details

$48.9K

$107K

$179.1K

How much do credit risk associate jobs pay per year?

As of Jul 4, 2026, the average yearly pay for credit risk associate in DeSoto, TX is $106,982.00, according to ZipRecruiter salary data. Most workers in this role earn between $73,400.00 and $139,000.00 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 popular job titles related to Credit Risk Associate jobs in DeSoto, TX? For Credit Risk Associate jobs in DeSoto, TX, the most frequently searched job titles are:
What cities near DeSoto, TX are hiring for Credit Risk Associate jobs? Cities near DeSoto, TX with the most Credit Risk Associate job openings:
Credit Risk Associate jobs near you
Infographic showing various Credit Risk Associate job openings in DeSoto, TX as of June 2026, with employment types broken down into 86% Full Time, 11% Part Time, 1% Temporary, and 2% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $106,982 per year, or $51.4 per hour.
Risk Division - Dallas - Associate, Credit Risk - 9333054

Risk Division - Dallas - Associate, Credit Risk - 9333054

Goldman Sachs, Inc.

Dallas, TX • On-site

Other

This job post has expired today. Applications are no longer accepted.

Goldman Sachs rating

8.2

Company rating: 8.2 out of 10

Based on 26 frontline employees who took The Breakroom Quiz

39th of 144 rated banks

Job description

Job Duties: Associate, Credit Risk with Goldman Sachs & Co. LLC in Dallas, Texas. Assess the credit and financial strength of the firm's Natural Resources counterparts by performing fundamental credit analysis of both quantitative and qualitative credit factors. Determine and manage the firm's credit risk appetite across derivatives, loans, funding and deposits for a portfolio of Natural Resources counterparts which includes setting credit exposure limits and tracking of these limits. Approve derivative and funding transactions while ensuring appropriate documentation and risk mitigants to protect against default and minimize potential losses. Perform credit underwriting of lending transactions, contributing credit recommendations and support to the firm's capital committee approval process. Coordinate with Global Banking and Markets (GBM), Asset Wealth Management (AWM), Legal, Operations and Compliance departments to approve the transactions and ensure proper documentation. Recommend and defend internal and regulatory risk ratings for counterparts/transactions as required. This includes presenting findings and recommendations to senior management and answer questions relating to analysis performed. Proactively monitor and assess counterparts and industry subsectors including based on market indicators, regulatory guidance, rating agency commentary and counterparty surveillance and report relevant information and its impact to senior management in a timely manner.

Job Requirements: Master's degree (U.S. or foreign equivalent) in Finance, Financial Management, Accounting, Economics, or a related field and one (1) year of experience in job offered or a related role OR Bachelor's degree (U.S. or foreign equivalent) in Finance, Financial Management, Accounting, Economics, or a related field and three (3) years of experience in job offered or a related role. Prior experience must include one (1) year with master's degree  or three (3) years with bachelor's degree with the following: performing credit analysis using both quantitative and qualitative factors to assess borrower and counter party risk; navigating the Federal Reserve Bank's Shared National Credit ("SNC") program, including reviewing and assessing risks in large and complex syndicated credits shared by multiple U.S. financial Institution; applying financial analysis tools and techniques to evaluate liquidity, solvency, leverage, and profitability, and interpret how these finical ratios interrelate; evaluating credit and financial strength of borrowers and conducting fundamental credit analysis; assessing corporate performance by analyzing capital structure, cash flow trends, and financial prospects to determine intrinsic value, and conduct leveraged lending risk evaluations; utilizing derivative products and trading documentation such as ISDAs, NAESBs, WSPPs; and reviewing Commitment Papers and Credit Agreements including, the underlying transaction structure and the main credit terms involved for protecting the lender recovery prospects.

The Goldman Sachs Group, Inc., 2026. All rights reserved. Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veteran status, disability, or any other characteristic protected by applicable law. 

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About Goldman Sachs

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At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs.

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

New York, NY, US

Year founded

1869

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