ZipRecruiter

Log In

1

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

Linde

Associate Tax Director - Tax Credits

The Woodlands, TX · On-site

$52K - $69K/yr

Associate Tax Director - Tax Credits The Woodlands, TX United States req29350 What you will enjoy ... Ability to evaluate risk inherent in complex projects * Proven experience working in cross ...

Wells Fargo

Associate Relationship Manager

Houston, TX · Hybrid

Associate Relationship Managers work alongside Senior Relationship Managers and engage in real ... They are accountable for execution of all applicable risk programs (Credit, Market, Financial ...

New

next page

Showing results 1-20

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 Jun 14, 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 1% As Needed, 82% Full Time, 15% Part Time, 1% Temporary, and 1% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $104,392 per year, or $50.2 per hour.

FHNF COMMODITY DERIVATIVES MARKETER - SENIOR VICE PRESIDENT

First Horizon

Houston, TX • On-site

Full-time

Medical, Dental, Vision, Retirement

Posted 12 days ago

First Horizon Bank rating

8.3

Company rating: 8.3 out of 10

Based on 30 frontline employees who took The Breakroom Quiz

34th of 141 rated banks

Job description

Role Overview
First Horizon Bank is seeking an experienced Commodity Derivatives Marketer to lead the design and execution of client driven commodity hedging programs in support of the Energy, Commercial, and Specialty Lending Groups. This individual will work closely with relationship managers, credit officers, and energy bankers to integrate commodity hedging into reserve-based lending (RBL), project finance, corporate revolvers, and other energy lending products, helping clients stabilize cash flows and protect borrowing capacity. This role will be focused exclusively on the servicing of lending clients within First Horizon's footprint and does not involve proprietary trading.
Location: Flexible with travel required to attend customer meetings and cover lending territory
Department: Derivative Products Group (Capital Markets Division)
Level: Senior Vice President
Key Responsibilities
  • Participate in joint client meetings with lenders to discuss market conditions, hedge structures, and how hedging supports credit metrics and capital plans.
  • Translate borrowers' commodity exposures (production profiles, basis risk, transportation, storage, offtake contracts and consumption) into tailored hedging programs aligned with loan covenants and business plans.
  • Originate and present hedge optimization ideas, re-hedge opportunities, and scenario analyses that align with each client's capital structure and lending arrangements.
  • Assist with Commercial Bankers across the First Horizon footprint with consumption hedges for clients that have energy price exposure in their operations.
  • Execute client-initiated oil and gas derivatives (swaps and options) in support of existing and prospective energy lending relationships.
  • Work with legal and documentation teams on ISDA/CSA agreements, hedging provisions in loan documentation, and confirmations for client trades.
  • Ensure accurate and timely trade capture, confirmations, and reconciliation in coordination with middle and back office.
  • Record hedge transactions and off-setting upstream positions in derivative system of record.

Qualifications
Required
  • Prior experience in providing commodity hedging advice & execution to upstream oil & gas exploration & production companies who have reserve-based loans.
  • 10+ years of experience in oil and/or natural gas derivatives hedging, marketing, or structuring, ideally with direct exposure to energy lending, RBL, or project finance.
  • Meaningful experience in over-the-counter back-to-back hedging programs
  • Strong understanding of physical oil and gas markets, benchmarks, and basis dynamics, and how they interact with lending structures and credit risk.
  • Demonstrated experience designing and implementing hedging programs for corporate or sponsor-backed energy clients.

Preferred
  • Prior experience working with Commercial and Industrial clients on structuring hedges to stabilize the cost inputs for commodity consumption.

About UsFirst Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com.
Benefit Highlights• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Follow UsFacebook
X formerly Twitter
LinkedIn
Instagram
YouTube
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

What First Horizon Bank employees say

Pay

Benefits

Hours and flexibility

Workplace

Get the full story on Breakroom

Apply