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Credit Risk Manager Jobs in Utah (NOW HIRING)

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site

The Optum Bank Credit Risk Analyst will be responsible for assessing the credit risks that arise ... The Risk Management function is dedicated to safeguarding the bank's assets and ensuring ...

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site +1

The Optum Bank Credit Risk Analyst will be responsible for assessing the credit risks that arise ... The Risk Management function is dedicated to safeguarding the bank's assets and ensuring ...

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Credit Risk Manager information

See Utah salary details

$78.7K

$144.1K

$218K

How much do credit risk manager jobs pay per year?

As of Jun 18, 2026, the average yearly pay for credit risk manager in Utah is $144,123.00, according to ZipRecruiter salary data. Most workers in this role earn between $121,500.00 and $161,600.00 per year, depending on experience, location, and employer.

How does a Credit Risk Manager typically collaborate with other departments to assess and mitigate risk?

A Credit Risk Manager frequently works with teams across the organization, such as underwriting, finance, and compliance, to assess borrower creditworthiness and ensure adherence to risk policies. Collaboration often involves developing risk models, reviewing loan portfolios, and communicating risk exposures to senior management. Working closely with these departments enables comprehensive risk assessments and the implementation of effective mitigation strategies. This cross-functional approach fosters a proactive risk culture and ensures that credit decisions align with both regulatory requirements and business objectives.

What Does a Credit Risk Manager Do?

A credit risk manager analyzes credit risk for banks and similar financial institutions. In this role, it’s your job to develop better credit risk policies and procedures to alleviate losses and maintain capital. Additional duties involve examining data, building financial models, creating performance reports, ensuring regulatory compliance, and formulating credit policy. This career requires at least a bachelor’s degree in business administration or a related field. Other important qualifications include excellent analytical, communication, and research skills. Most employers typically prefer candidates who have previous risk management experience.

What are Credit Risk Managers?

Credit Risk Managers are professionals responsible for assessing and managing the risk of financial losses that may arise from borrowers failing to repay loans or meet contractual obligations. They analyze financial data, credit reports, and market trends to determine the creditworthiness of individuals or businesses. Credit Risk Managers also develop policies and strategies to minimize potential losses and ensure compliance with regulatory standards. Their role is critical in maintaining the financial health and stability of banks, lending institutions, and other organizations involved in credit.

What are the key skills and qualifications needed to thrive as a Credit Risk Manager, and why are they important?

To thrive as a Credit Risk Manager, you need strong analytical abilities, deep knowledge of financial principles, and typically a degree in finance, accounting, or a related field. Familiarity with risk modeling software, credit scoring systems, and regulatory frameworks such as Basel III is essential. Strong communication, decision-making, and stakeholder management skills set outstanding professionals apart in this field. These skills are crucial for accurately assessing creditworthiness, minimizing financial losses, and ensuring regulatory compliance within financial institutions.

What is the difference between Credit Risk Manager vs Credit Analyst?

AspectCredit Risk ManagerCredit Analyst
CredentialsBachelor's degree, often certifications like CFA or credit risk certificationsBachelor's degree, finance or related field, sometimes certifications like CFA
Work EnvironmentOversees risk policies, manages teams, strategic planningAnalyzes credit data, assesses borrower risk, prepares reports
Industry UsageUsed in banking, financial services, lending institutionsCommon in banks, credit agencies, financial firms

The Credit Risk Manager focuses on overseeing and managing the overall credit risk policies and teams, while the Credit Analyst conducts detailed credit assessments of individual borrowers. Both roles require similar credentials and are integral to credit decision processes, but they differ in scope and responsibilities.

More about Credit Risk Manager jobs
What are the most commonly searched types of Credit Risk jobs in Utah? The most popular types of Credit Risk jobs in Utah are:
What are popular job titles related to Credit Risk Manager jobs in Utah? For Credit Risk Manager jobs in Utah, the most frequently searched job titles are:
What job categories do people searching Credit Risk Manager jobs in Utah look for? The top searched job categories for Credit Risk Manager jobs in Utah are:
What cities in Utah are hiring for Credit Risk Manager jobs? Cities in Utah with the most Credit Risk Manager job openings:
Credit Risk Manager jobs near you
Credit Risk Analyst

Credit Risk Analyst

UnitedHealth Group

Draper, UT • On-site

Full-time

Retirement

Posted 6 days ago

UnitedHealth Group rating

7.6

Company rating: 7.6 out of 10

Based on 141 frontline employees who took The Breakroom Quiz

187th of 873 rated healthcare providers

Job description

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together.
The Optum Bank Credit Risk Analyst will be responsible for assessing the credit risks that arise from the Bank's lending and investing activities. The Analyst will work with broader Risk Group as well as Credit professionals to assess the credit and financial strength of the Bank's borrowers and counterparts by performing fundamental credit analysis, using both quantitative and qualitative factors, and provide recommendation for loan transactions, determine appetite and risk ratings, and monitor credit trends in the portfolio. This role supports the broader risk governance frameworks, regulatory compliance, and strategic decision-making through quantitative analysis and reporting.
The Risk Management function is dedicated to safeguarding the bank's assets and ensuring operational stability. The department develops and implements the risk framework, policies, standards, and procedures aligned with the bank's strategic goals.
NOTE: Qualified candidates must live in the Draper UT / Salt Lake City UT regional area to be considered (office-based position, not open to remote work)
Primary Responsibilities:
  • Actively engage with Bank's lending and investing stakeholders to review and assess potential credit risks associated with lending portfolios, products, processes, and strategies
  • Perform ongoing assessment of the credit and financial strength of the commercial and consumer counterparts by performing fundamental credit analysis of counterparties using internal rating methodologies
  • Review loans on an individual and aggregate portfolio basis to determine potential risks, adherence to policy and procedures, and accuracy of risk ratings
  • Present findings and recommendations to senior leadership and answer questions relating to analysis performed and escalate issues to senior management
  • Assist in updating, implementing and maintaining credit risk rating methodologies
  • Support senior leadership in partnering with broader business units to assess data availability, data sufficiency, and reporting needs for credit risk assessment
  • Perform broader sector analysis in order to assess industry fundamentals and portfolio trends
  • Conduct scenario analysis and sensitivity testing to quantify potential losses
  • Generate report with early warning indicators then review, assess and propose rating action recommendation to senior leadership
  • Support internal audits and regulatory exams
  • Assist with development and enhancement of risk policies and underwriting standards
  • Partner with underwriting, finance, and product teams to assess new products and strategies

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.
Required Qualifications:
  • Bachelor's degree in Finance, Accounting, Economics, Statistics, Engineering or related field
  • 2+ years of consumer credit risk management or underwriting experience
  • 2+ years of experience with SQL, Python, R, or SAS
  • Must live in or willing to relocate to the Draper UT / Salt Lake City UT Regional Area - this position is onsite at the office location in Draper UT and not open to remote work

Preferred Qualifications:
  • Credit risk experience in a consumer or healthcare financing, fintech, bank or other financial institution
  • Knowledge of credit life cycle (origination, portfolio management, collection), loan loss provisioning, and advance credit risk analytics
  • Advanced proficiency in Microsoft Office PowerPoint (creating and executing presentations), and Excel (Financial Spreading, Pivot Tables, VLOOKUP, Advanced Formulas, Formatting, etc.)
  • Proven ability to clearly communicate verbally and in writing
  • Proven ability to translate complex risk concepts into clear business insights
  • Proven attention to detail and strong problem-solving skills
  • Proven excellent interpersonal skills, including the ability to lead and collaborate with multiple teams
  • Proven ability to scope and lead a risk assessment or project from start to end and present results to stakeholders and senior leaders
  • Proven solid project management / organizational skills and the ability to manage multiple assignments concurrently across various stakeholders
  • Proven exposure to loan purchase programs, securitization, or warehouse lending
  • Proven background in model validation, governance, or audit support

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $60,200 - $107,400 annually based on full-time employment. We comply with all minimum wage laws as applicable.
At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.
UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.
UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.

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