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Credit Risk Management Jobs in Pennsylvania (NOW HIRING)

PJM Interconnection, LLC

PA · On-site

$150 - $200/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Specifically the CRO will drive efficient and effective governance of market and credit risk, collateral management, underwriting corporate insurance, trade risk and analytics, model validation, KYC ...

BNY

Director, Country Risk Manager

Pittsburgh, PA

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Significant experience in country risk, sovereign risk, geopolitical risk, credit risk, portfolio risk, or related risk management disciplines. * Strong knowledge of macroeconomic, sovereign, and ...

BNY Mellon

Director, Country Risk Manager

Pittsburgh, PA · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Significant experience in country risk, sovereign risk, geopolitical risk, credit risk, portfolio risk, or related risk management disciplines. * Strong knowledge of macroeconomic, sovereign, and ...

Firstrust Bank

Credit Officer

Conshohocken, PA · On-site

The role serves as a trusted risk partner to Relationship Management, providing sound credit judgment, structural guidance, and timely identification of emerging credit risks while supporting prudent ...

Firstrust Bank

Credit Officer

Conshohocken, PA · On-site

The role serves as a trusted risk partner to Relationship Management, providing sound credit judgment, structural guidance, and timely identification of emerging credit risks while supporting prudent ...

Penn Community Bank

Credit Manager

Perkasie, PA · Hybrid

Minimum of 5 years' experience in credit analysis, lending, portfolio management, risk review, or credit management; or an equivalent combination of education and experience is required. * Minimum 2 ...

Penn Community Bank

Credit Manager

Perkasie, PA · On-site

Minimum of 5 years' experience in credit analysis, lending, portfolio management, risk review, or credit management; or an equivalent combination of education and experience is required. * Minimum 2 ...

PJM

VP, Chief Risk Officer

Audubon, PA · On-site

Credit, Model Validation and Enterprise Risk Management functions * Organizational design and determine if changes needed to make the risk function more effective * Available technology appropriate ...

Penn Community Bank

Credit Manager

Yardley, PA · On-site

Minimum of 5 years' experience in credit analysis, lending, portfolio management, risk review, or credit management; or an equivalent combination of education and experience is required. * Minimum 2 ...

Penn Community Bank

Credit Manager

Perkasie, PA · On-site

Minimum of 5 years' experience in credit analysis, lending, portfolio management, risk review, or credit management; or an equivalent combination of education and experience is required. * Minimum 2 ...

Gordon Food Service

Credit Analyst

Imperial, PA · Hybrid

Understanding of credit risk management fundamentals * Ability to solve problems under pressure and provide creative solutions when necessary * Experience with negotiations and using sound judgement

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All JobsCredit Risk Management JobsCredit Risk Management Jobs in Pennsylvania

Credit Risk Management information

See Pennsylvania salary details

$86.7K

$158.7K

$240.1K

How much do credit risk management jobs pay per year?

As of Aug 15, 2026, the average yearly pay for credit risk management in Pennsylvania is $158,692.00, according to ZipRecruiter salary data. Most workers in this role earn between $133,800.00 and $177,900.00 per year, depending on experience, location, and employer.

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?

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 does credit risk management do?

Credit risk management involves identifying, assessing, and monitoring the risk of borrowers defaulting on their financial obligations. Professionals in this field analyze credit data, use risk assessment tools, and develop strategies to minimize potential losses for lenders or financial institutions.

What is the average salary of a credit risk management analyst?

The average salary of a credit risk management analyst typically ranges from $60,000 to $85,000 annually, depending on experience, location, and industry. Professionals in this role often require strong analytical skills and knowledge of financial modeling tools.

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.

What are the most commonly searched types of Credit Risk Management jobs in Pennsylvania?

The most popular types of Credit Risk Management jobs in Pennsylvania are:

What are popular job titles related to Credit Risk Management jobs in Pennsylvania?

For Credit Risk Management jobs in Pennsylvania, the most frequently searched job titles are:

What job categories do people searching Credit Risk Management jobs in Pennsylvania look for?

The top searched job categories for Credit Risk Management jobs in Pennsylvania are:

What cities in Pennsylvania are hiring for Credit Risk Management jobs?

Cities in Pennsylvania with the most Credit Risk Management job openings:

Credit Risk Management jobs near you
Infographic showing various Credit Risk Management job openings in Pennsylvania as of August 2026, with employment types broken down into 1% As Needed, 77% Full Time, 19% Part Time, 2% Contract, and 1% Nights. Highlights an 92% Physical, 3% Hybrid, and 5% Remote job distribution, with an average salary of $158,692 per year, or $76.3 per hour.

COMMERCIAL CREDIT SENIOR ASSOCIATE - COMMERCIAL CREDIT Engineering & Construction - Hybrid

M&T Bank

Radnor, PA • On-site

Full-time

Re-posted 18 days ago

M&T Bank rating

7.9

Company rating: 7.9 out of 10

Based on 186 frontline employees who took The Breakroom Quiz

79th of 171 rated banks

Job description

Hybrid four days a week in office.
Overview:
The Commercial Credit Senior Associate plays a pivotal role in assessing and managing credit risk for commercial clients at M&T Bank. This position involves analyzing financial statements, monitoring loan portfolio, and ensuring compliance with credit policies and regulatory requirements. This client facing role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management.
Primary Responsibilities:
  • Focus on transaction execution and portfolio management and will partner with senior team members on complex transactions/account coverage.
  • Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions.
  • Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
  • Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information, and coordinate gathering of such information.
  • Analyze financial information and related materials and complete the credit analyses for the Bank's commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals.
  • Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case.
  • As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest.
  • Partner proactively with relationship managers and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits. Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction.
  • Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
  • Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating.
  • Prepare summary, present facts, and offers opinions concerning credit-worthiness. Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral, and guarantors.
  • Displays deep understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions.
  • Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy, and evaluating any risk associated with non-compliance Present analysis or address questions during credit request discussions or committee presentations.
  • Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
  • Promote an environment that supports belonging and reflects the M&T Bank brand.
  • Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
  • Complete other related duties as assigned.

Scope of Responsibilities:
Commercial Credit is responsible for the credit delivery of the Bank's commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
Position is an account coverage role and focuses on transaction execution and portfolio management.
The position interacts with commercial banking relationship managers throughout the bank's footprint and industry verticals as well as other internal personnel on credit approvals.
Ability to lead a transaction execution team in partnership with a Commercial Credit Analyst.
Customer interaction is expected.
Works independently with limited supervision.
Supervisory/Managerial Responsibilities:
Input into the development of and training of junior/newly hired Analysts.
Education and Experience Required:
Bachelor's degree in Accounting, Finance, Economics, or related field and 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis. In lieu of a degree, a combined minimum 9 years' higher education and work experience, to include 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
Strong analytical skills with proficiency in financial modeling and analysis of credit metrics. Ability to calculate and interpret financial ratios, analyze date, and complete trend analysis.
Emerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently.
Excellent verbal and written communication skills.
Critical thinking and problem-solving abilities.
Attention to detail and high level of accuracy.
Ability to work independently and as a part of a team.
Strong organizational and time management skills.
Customer focused with strong interpersonal and relationship building skills.
Proficiency in Microsoft Office.
Education and Experience Preferred:
Experience with Capital IQ, FactSet, and Bloomberg.
Experience with nCino.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $113,300.00 - $188,800.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
Radnor, Pennsylvania, United States of America

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