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Credit Risk Management Jobs (NOW HIRING)

PSECU

Credit Risk Analyst

Harrisburg, PA · On-site

Produces and analyzes ongoing risk management reports and analyses. Performs ad hoc analysis of Credit Risk trends and portfolio performance, as well as forward-looking analysis. Analyzes ...

PSECU

Credit Risk Analyst

Harrisburg, PA · On-site

Produces and analyzes ongoing risk management reports and analyses. Performs ad hoc analysis of Credit Risk trends and portfolio performance, as well as forward-looking analysis. Analyzes ...

Upstart

Credit Risk Manager

OR · On-site +1

As the Credit Risk Oversight Manager at Upstart, you will serve as the primary owner of 2LOD Credit ... Partner with peers in Model Risk Management and Fair Lending on second line teams. * Prepare and ...

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Credit Risk Management information

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$86.5K

$158.3K

$239.5K

How much do credit risk management jobs pay per year?

As of Jul 9, 2026, the average yearly pay for credit risk management in the United States is $158,312.00, according to ZipRecruiter salary data. Most workers in this role earn between $133,500.00 and $177,500.00 per year, depending on experience, location, and employer.

Does credit risk pay well?

Credit risk management professionals typically earn competitive salaries that vary by experience, location, and industry. Entry-level roles may start lower, while experienced analysts and managers can earn higher compensation, often supplemented by bonuses and certifications such as CFA or FRM. Overall, it is considered a well-paying field within finance and risk management sectors.

What are some common challenges faced by professionals in Credit Risk Management, and how can they be addressed?

Professionals in Credit Risk Management often encounter challenges such as assessing complex borrower profiles, keeping up with changing regulatory requirements, and managing large volumes of data. To address these, it's important to develop strong analytical skills, stay updated on industry regulations, and leverage technology for more efficient data analysis. Collaborating closely with other departments, such as sales and compliance, also helps ensure well-rounded risk assessments and effective risk mitigation strategies.

What are the key skills and qualifications needed to thrive in Credit Risk Management, and why are they important?

To thrive in Credit Risk Management, you need strong analytical skills, financial modeling expertise, and a solid background in finance or economics, often supported by a relevant degree. Familiarity with risk assessment software, credit scoring systems, and regulatory compliance tools such as Basel III is highly valued. Attention to detail, effective communication, and sound judgment are crucial soft skills for evaluating creditworthiness and collaborating with stakeholders. These skills ensure accurate risk assessments, regulatory compliance, and informed decision-making to protect the organization's financial health.

What is the salary of credit risk officer?

The salary of a credit risk officer varies depending on experience, location, and the employer, but typically ranges from $70,000 to $130,000 annually. At firms like JP Morgan, entry-level positions may start around $80,000, with experienced officers earning over $120,000, often supplemented by bonuses and benefits.

What is the highest paying risk management job?

In risk management, senior roles such as Chief Risk Officer (CRO) or Risk Executive typically have the highest salaries, often exceeding six figures annually. These positions require extensive experience, advanced certifications like FRM or CFA, and oversight of enterprise-wide risk strategies.

What does a credit risk manager do?

A credit risk manager assesses the creditworthiness of individuals or organizations to determine the likelihood of default on loans or credit agreements. They analyze financial data, develop risk mitigation strategies, and monitor credit portfolios using tools like credit scoring models and financial analysis software to minimize potential losses for their organization.

What is the difference between Credit Risk Management vs Credit Analysis?

AspectCredit Risk ManagementCredit Analysis
Primary FocusAssessing and mitigating overall credit risk for an organizationEvaluating individual creditworthiness of borrowers
CertificationsTypically requires certifications like CFA, Credit Risk certificationsOften requires financial analysis certifications or degrees
Work EnvironmentStrategic, risk-focused, often in risk departmentsAnalytical, detail-oriented, in credit or lending departments
Industry UsageCommon in banking, financial services, and lending institutionsUsed across banks, credit agencies, and lending firms

While both roles involve assessing financial information, Credit Risk Management focuses on the broader risk exposure of the organization, whereas Credit Analysis concentrates on evaluating individual borrowers' creditworthiness. Understanding these differences helps professionals and employers align roles with skills and organizational needs.

What is Credit Risk Management?

Credit Risk Management is the process of identifying, assessing, and mitigating the risk that a borrower or counterparty will fail to meet their financial obligations. Professionals in this field analyze creditworthiness, set lending policies, and monitor existing loans to minimize potential losses for banks or financial institutions. Effective credit risk management helps ensure the stability of financial systems and protects organizations from significant financial loss.
More about Credit Risk Management jobs
What cities are hiring for Credit Risk Management jobs? Cities with the most Credit Risk Management job openings:
What are the most commonly searched types of Credit Risk Management jobs? The most popular types of Credit Risk Management jobs are:
What states have the most Credit Risk Management jobs? States with the most job openings for Credit Risk Management jobs include:
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Credit Risk Management jobs near you
Infographic showing various Credit Risk Management job openings in the United States as of July 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $158,312 per year, or $76.1 per hour.
Director, Credit Risk Management

Director, Credit Risk Management

Ent Credit Union

Colorado Springs, CO • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 27 days ago

Ent Credit Union rating

8.8

Company rating: 8.8 out of 10

Based on 15 frontline employees who took The Breakroom Quiz

Job description

Company Description
Ent Credit Union and Wings Credit Union joined forces in January 2026. This merger means more opportunities, expanded resources, and a shared commitment to delivering exceptional member service. Together, we become more - empowering members, communities, and teams through a bold, unified future. Both organizations bring a strong legacy of member satisfaction, operational excellence, financial stability, and community impact. Recognized locally and nationally as best-in-class financial institutions and employers of choice, each is known for its commitment to financial well-being and philanthropic leadership. Join us during this transformative time and be part of shaping the future of banking! To learn more about the merger, click here.
Job Description
As Wings enters a new chapter following its 2026 merger with Ent Credit Union, the Director of Credit Risk will lead a strengthened and realigned second-line credit risk function.
This role has been relaunched to reflect the expanded leadership expectations and the strategic needs of a $20B+ organization. The Director will have ownership of the second line oversight function for lending portfolios and for elevating the consistency, quality and strategic value of credit risk review across the organization. The position requires a leader who can influence at all levels, bring clarity to complex credit decisions and help shape the future of Wings' credit risk strategy.
Essential Functions
  • Credit Risk Oversight and Portfolio Review:
    • Perform comprehensive evaluations of the credit union's credit exposures, assess the quality of credit analysis and approval processes, verify the precision of credit ratings, and ensure compliance with established credit risk policies, standards, procedures, and overall risk appetite.
    • Conduct independent reviews across all lending portfolios to assess credit quality and enforce adherence to relevant risk policies and procedures.
    • Facilitate early identification of credit-related issues, exceptions, and industry or geographic risk factors to support timely detection of portfolio deterioration.
  • Risk Governance, Strategy, and Regulatory Awareness:
    • Contribute to the design and improvement of credit risk review strategies.
    • Remain up to date regarding federal and state regulations impacting the lending function and the credit union's portfolio.
  • Stakeholder Engagement and Communication:
    • Manage and coordinate relationships with senior management stakeholders across all departments, presenting review findings clearly and confidently.
    • Lead or participate in opening and closing meetings, communicating identified matters to leadership and relevant business units under review.
    • Present well-supported recommendations concerning processes, procedures, and credit risk to senior management, effectively challenging internal risk ratings when necessary.
  • Training, Coaching, and Advisory Support:
    • Provide training and coaching to less experienced colleagues and offer advice to teams across all lines of defense as appropriate.
    • Mentor and train less experienced colleagues, guiding teams where appropriate.
  • Staff Management and Development:
    • Guide the daily activities of staff.
    • Support skills augmentation as appropriate to support Ent initiatives.
    • Mentoring/coaching of direct reports.
    • Establish team and individual goals and pursue opportunities for personal development.
    • Perform quarterly and annual performance assessments.
  • Bank Secrecy Act: Remains cognizant of and adheres to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Qualifications
  • Bachelor's Degree in accounting, finance or related field.
  • Master's (MBA, Master of Finance) or relevant certification preferred.
  • 9+ years' experience in credit administration and/or credit risk management analytics at a financial institution or regulatory agency.
  • 3+ years' of team leadership or management experience.
  • Proven credit risk expertise in consumer, mortgage or commercial lending at financial institutions, and in depth understanding of lending credit products.
  • Experience in data analytics. Programming and data manipulation with SQL, Python, and R are a benefit.
  • Confident negotiator with excellent oral and written communication abilities.
  • Proven ability to collaborate at a senior level with internal and external stakeholders.
  • Knowledge of risk governance frameworks, second-line enterprise risk management, and internal controls.
  • Exceptional analytical and problem-solving skills; able to identify issues, ask insightful questions, and escalate appropriately.
  • Able to clearly explain complex quantitative and model concepts to both technical and non-technical audiences.
  • Excellent organizational skills, capable of managing multiple deadlines.
  • Bondable.

Additional Information
The pay range for this position is: $180,000 to $200,000 per year plus 20% annual target bonus.
Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, location and internal pay equity.
BENEFITS:
  • Generous 401(k) match
  • 401k Discretionary Profit Sharing
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Short Term and Long Term Disability
  • Health Savings Account with company contribution
  • Employee Assistance Program
  • Paid Vacation, Sick, Floating Holidays and Volunteer Time Off
  • Paid Holidays
  • Tuition Reimbursement
  • Paid Parental Leave

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