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Credit Risk Management Jobs in Charlotte, NC (NOW HIRING)

Truist

Credit Risk Administration Manager

Charlotte, NC · On-site

Credit Risk Management Organization encompasses Credit Policy; Wholesale and Retail Senior Credit Officers; Credit Portfolio Strategy, Governance & Modernization; Centralized Lending Unit; Allowance ...

Fifth Third

Credit Risk Officer II

Charlotte, NC

Responsible and accountable for credit risk management and constructive, credible challenge by openly exchanging ideas and opinions, elevating concerns, and personally following policies and ...

Fifth Third

Credit Risk Officer II

Charlotte, NC · On-site

Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising independent judgement and providing constructive and credible challenge to credit risk ...

Fifth Third Bank

Credit Risk Officer II

Charlotte, NC · On-site

Responsible and accountable for credit risk management and constructive, credible challenge by openly exchanging ideas and opinions, elevating concerns, and personally following policies and ...

USAA

Lead Analyst, Credit Risk Strategy

Charlotte, NC

The Opportunity As a dedicated Bank Credit Risk Analyst Lead, you will have a strong background in ... Responsible for the development, management, and presentation of comprehensive risk and financial ...

Huntington

Credit Review Team Leader Sr

Charlotte, NC · On-site +1

$125K - $255K/yr

As part of the respective credit risk focus area, develop and manage a credit review program which assesses the management framework in selecting, underwriting, and administering the direct and ...

Huntington

Credit Review Team Leader Sr

Charlotte, NC · On-site +1

$125K - $255K/yr

As part of the respective credit risk focus area, develop and manage a credit review program which assesses the management framework in selecting, underwriting, and administering the direct and ...

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Credit Risk Management information

See Charlotte, NC salary details

$84.5K

$154.6K

$233.9K

How much do credit risk management jobs pay per year?

As of Sep 4, 2026, the average yearly pay for credit risk management in Charlotte, NC is $154,626.00, according to ZipRecruiter salary data. Most workers in this role earn between $130,400.00 and $173,400.00 per year, depending on experience, location, and employer.

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 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 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 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 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 are popular job titles related to Credit Risk Management jobs in Charlotte, NC?

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

What job categories do people searching Credit Risk Management jobs in Charlotte, NC look for?

The top searched job categories for Credit Risk Management jobs in Charlotte, NC are:

Credit Risk Management jobs near you
Infographic showing various Credit Risk Management job openings in Charlotte, NC as of August 2026, with employment types broken down into 1% As Needed, 79% Full Time, 17% Part Time, and 3% Contract. Highlights an 82% Physical, 2% Hybrid, and 16% Remote job distribution, with an average salary of $154,626 per year, or $74.3 per hour.

Credit Risk Management Quality Assurance Professional

US Bank

Charlotte, NC • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 15 days ago

U.S. Bank rating

8.1

Company rating: 8.1 out of 10

Based on 364 frontline employees who took The Breakroom Quiz

66th of 174 rated banks

Job description

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

Job Description

We are seeking an individual contributor to join our Credit Risk Quality Assurance (QA) testing team which is part of our Credit Risk Administration (CRA) team. The Credit Risk QA team assesses portfolio risks and adherence to Credit Policy and Procedures. QA coverage is risk-based and evolves to address changing business needs, regulatory priorities, and emerging risks.

About the Credit Risk Administration (CRA) Team

We are a highly dynamic and talented team which delivers on our mission through four pillars: Customer, Process, Talent, and Data.

Vision | We create the future of credit risk management through data, analytics, and risk process innovation for our customers.

Mission | We deliver data-driven information solutions to protect our stakeholders and inform the most significant financial decisions in the bank.

Values | In addition to U.S. Bank core values, we prioritize collaboration, integrity, simplicity, and continuous learning.

About the Role

The Credit Risk Management QA Professional will be part of an established, collaborative team responsible for executing independent reviews across a range of credit risk areas, including Highly Leveraged Transactions (HLT), Shared National Credits (SNC), Weak and Marginal Credit, and Enterprise Valuation Analysis. The role supports oversight activities designed to assess alignment with established risk management and regulatory requirements, with opportunities to contribute to additional coverage areas as priorities evolve.

Additional responsibilities include analyzing and validating complex underwriting and lending criteria across Wealth, Corporate, Commercial, Institutional, and Business Banking portfolios; assessing the effectiveness of credit risk frameworks and controls; conducting analyses to identify emerging trends and areas warranting further review; providing credible challenge and recommendations where appropriate; and identifying reporting enhancements and process improvement opportunities that strengthen risk management practices and support the team's strategic objectives.

Essential Functions:

  • Analyze and filter large data sets using defined criteria to establish testing populations and support sample selection.

  • Document review activities and results within QA testing workpapers and reports, including the identification and escalation of items requiring secondary review.

  • Partner with CRM Approval Officers and other stakeholders to resolve testing inquiries, validate observations, and facilitate corrective action efforts.

  • Ensure adherence to established QA methodologies, findings guidance, and process requirements.

  • Compile testing results and prepare related reporting for senior and executive management.

  • Provide subject matter expertise and consultative support to CRM Credit Approval, Business Lines, and other stakeholders on credit risk and quality assurance matters.

  • Participate in reciprocal cross-training by learning assigned responsibilities from others and providing training and support on own areas of expertise.

  • Assess and evaluate risk, credit quality, and emerging concerns within assigned products, portfolios, or Business Lines.

Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically more than six years of applicable experience

Preferred Skills/Experience

- Bachelor's degree or higher in Accounting, Finance, Economics, or a related field.

- Experience in commercial credit analysis, wholesale portfolio management, or related disciplines.

- Comprehensive knowledge of commercial lending, credit analysis, credit administration, and lending policies and procedures, including expertise in Commercial & Industrial (C&I) and Commercial Real Estate (CRE) lending.

- Advanced proficiency with Microsoft 365 applications (particularly Excel, Word, and PowerPoint) and credit-related systems, including underwriting, loan servicing, and credit approval platforms.

- Strong analytical, problem-solving, risk assessment, and decision-making skills.

- Demonstrated project management and planning capabilities, with the ability to manage multiple priorities and maintain attention to detail.

- Excellent verbal, written, and interpersonal communication skills, with the ability to build effective partnerships and influence outcomes across teams.

- Self-motivated and resourceful, with the ability to work independently, quickly adapt to new technologies and business priorities, and deliver results with minimal supervision.

Location expectations
This role requires working from a U.S. Bank location listed three (3) or more days per week.

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to ourdisability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

  • Healthcare (medical, dental, vision)

  • Basic term and optional term life insurance

  • Short-term and long-term disability

  • Pregnancy disability and parental leave

  • 401(k) and employer-funded retirement plan

  • Paid vacation (from two to five weeks depending on salary grade and tenure)

  • Up to 11 paid holiday opportunities

  • Adoption assistance

  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about theE-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $98,175.00 - $115,500.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.

What U.S. Bank employees say

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About U.S. Bank

Sourced by ZipRecruiter

U.S. Bank is a reputable and established financial institution that plays a significant role in the banking sector. With a history spanning over 150 years, U.S. Bank has built a strong foundation of trust and reliability. As a comprehensive bank, they offer a wide array of financial products and services to cater to the diverse needs of their customers, including individuals, businesses, and communities. Customer satisfaction is of utmost importance to U.S. Bank. They prioritize delivering exceptional service and fostering long-term relationships with their clients. Through their extensive network of branches and advanced digital banking platforms, U.S. Bank ensures convenient access to their services, empowering customers to manage their finances efficiently and securely.

Industry

Banking and credit intermediation

Company size

10,000+ Employees

Headquarters location

Minneapolis, MN, US

Year founded

1863

Social media

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