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Credit Risk Associate Jobs in Houston, TX (NOW HIRING)

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 ...

NABORS

Credit Analyst

Houston, TX

... risk management decisions to minimize company exposure while maintaining strong customer ... Associate's degree in business or equivalent work experience * 6 months to 2 years of related ...

Aramco

Head of Market Risk

Houston, TX · On-site

Monitor and analyze market and credit risks, including stress testing, exposure limits, and value ... Associate Risk Analysts, Risk Analysts, and Senior Risk Analysts. Stakeholder Engagement and ...

Babich & Assoc.

Be Seen First

Senior Commercial Lender - Houston, TX

Houston, TX · On-site

$125K - $200K/yr

Solid understanding of financial statements and credit risk analysis. Bachelor's degree (in Finance, Accounting, Business, or related field) preferred. Compensation: Base salary: $125K-$200K ...

FERGUSON

Credit Specialist

La Porte, TX · On-site

Ferguson is a community of proud associates who operate with the shared purpose of building ... Implement credit policies to maintain an acceptable risk level, prompt repayments, minimize losses ...

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

Credit Risk Associate information

See Houston, TX salary details

$47.7K

$104.4K

$174.8K

How much do credit risk associate jobs pay per year?

As of Jul 4, 2026, the average yearly pay for credit risk associate in Houston, TX is $104,392.00, according to ZipRecruiter salary data. Most workers in this role earn between $71,600.00 and $135,600.00 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 Houston, TX? The most popular types of Credit Risk jobs in Houston, TX are:
What are popular job titles related to Credit Risk Associate jobs in Houston, TX? For Credit Risk Associate jobs in Houston, TX, the most frequently searched job titles are:
What job categories do people searching Credit Risk Associate jobs in Houston, TX look for? The top searched job categories for Credit Risk Associate jobs in Houston, TX are:
What cities near Houston, TX are hiring for Credit Risk Associate jobs? Cities near Houston, TX with the most Credit Risk Associate job openings:
Credit Risk Associate jobs near you
Infographic showing various Credit Risk Associate job openings in Houston, TX as of June 2026, with employment types broken down into 94% Full Time, and 6% Part Time. Highlights an 94% In-person, and 6% Hybrid job distribution, with an average salary of $104,392 per year, or $50.2 per hour.
Commercial & Investment Bank Credit Risk - Associate (Energy)

Commercial & Investment Bank Credit Risk - Associate (Energy)

JP Morgan Chase

Houston, TX • On-site

Full-time

Medical, Retirement

Posted 2 days ago

JPMorgan Chase & Co. rating

8.0

Company rating: 8.0 out of 10

Based on 486 frontline employees who took The Breakroom Quiz

54th of 144 rated banks

Job description

Bring your Expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As an Energy Credit Risk Associate in Commercial & Investment Bank Risk - Energy, Power and Renewables, you will lead and support credit origination and portfolio management across investment grade and leveraged clients. You will partner with coverage and product teams to structure, analyze, negotiate, and approve new credit exposure while maintaining strong risk governance. You will help us identify emerging risks, monitor portfolio performance, and contribute to developing junior talent on a collaborative, high-performing team.

Job responsibilities

  • Assess key risks across clients, transactions, and energy sub-sectors within an assigned portfolio
  • Develop forward-looking risk views on companies, structures, industry dynamics, and competitive threats
  • Participate in client due diligence to deepen understanding of business models, management teams, and sectors
  • Build and analyze financial models to test downside cases and support risk-based structuring recommendations
  • Prepare credit approval materials and present transactions for approval in line with credit risk policies
  • Negotiate deal terms, covenants, and legal documentation with deal teams to align with approved risk appetite
  • Maintain accurate, forward-looking risk ratings and communicate key developments to stakeholders
  • Identify deteriorating credits early and drive proactive risk management actions
  • Analyze and present waivers, amendments, and extensions for approval
  • Deliver periodic portfolio reporting, including quarterly snapshots and annual reviews for senior management
  • Mentor and coach analysts while partnering with middle office teams to maintain high-quality credit data

Required qualifications, capabilities, and skills

  • Demonstrated credit, lending, negotiation, loan documentation, and financial modeling skills
  • Experience performing credit analysis and recommending risk-appropriate financing structures
  • Ability to manage multiple priorities and perform well under pressure in a demanding environment
  • Strong attention to detail and a consistent, high-quality work ethic
  • Ability to work independently with accountability while collaborating effectively as part of a team
  • Strong interpersonal and communication skills, including comfort representing JPMorganChase in client interactions
  • Proficiency in Microsoft Office applications, especially Excel, PowerPoint, and Word
  • Bachelor's degree (preferably in finance, accounting, economics, or another quantitative discipline)

Preferred qualifications, capabilities, and skills

  • Experience covering oil and gas, power, utilities, and renewable companies
  • Completion of a commercial or investment bank credit training program (or equivalent experience) and knowledge of bank credit policies and procedures
  • Minimum 3 years of commercial or investment banking lending experience, including credit underwriting, structuring, and origination
  • Master of Business Administration degree
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. 

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world. 

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