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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

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

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 ...

Brex

Director, Credit Risk

Salt Lake City, UT · Hybrid

$198K - $247K/yr

You'll oversee a multi-layered team of managers and credit professionals responsible for managing portfolio performance, credit decisions, and customer risk across a rapidly growing commercial ...

Brex

Director, Credit Risk

Salt Lake City, UT · On-site

By combining global corporate cards and banking with intuitive spend management, bill pay, and ... Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ...

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All JobsCredit Risk JobsCredit Risk Manager JobsCredit Risk Manager Jobs in Utah

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 Jul 31, 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.

What are the 5 C's of credit risk management?

The 5 C's of credit risk management are Character, Capacity, Capital, Collateral, and Conditions. These factors help credit risk managers evaluate a borrower's ability and willingness to repay a loan, guiding credit decisions and risk assessments. Understanding these principles is essential for effective credit analysis and maintaining financial stability.

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 is the highest salary for a risk manager?

The highest salary for a Credit Risk Manager can exceed $150,000 annually, especially in large financial institutions or with extensive experience and advanced certifications. Senior risk managers in major markets or with specialized skills may earn even higher compensation, including bonuses and incentives.

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 is the role of a credit risk manager?

A credit risk manager is responsible for assessing and monitoring the creditworthiness of clients and borrowers to minimize financial losses. They analyze financial data, develop risk mitigation strategies, and ensure compliance with lending policies, often using tools like credit scoring models and financial analysis software.

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.

Does credit risk pay well?

Credit Risk Managers typically earn competitive salaries that vary by industry, experience, and location. They often receive additional benefits and may need certifications such as CFA or FRM, which can influence compensation levels.
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
Infographic showing various Credit Risk Manager job openings in Utah as of July 2026, with employment types broken down into 89% Full Time, and 11% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $144,123 per year, or $69.3 per hour.

Credit Risk Management Analyst

Mountain America Federal Credit Union

Sandy, UT • Hybrid

Full-time

Posted 3 days ago

New

Job description

Please reference the schedule and minimum qualifications listed below before applying.

If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.

Job SummaryWe are seeking a motivated and capable Credit Risk Management Analyst to join our growing Credit Risk Management team at Mountain America Credit Union (MACU). Our goal within the Credit Risk Management Program is to protect MACU and create confidence in our health and resilience by ensuring that credit risks are known, clear, communicated, and considered. You will help us accomplish this goal through the job activities listed below.Job Description

LOCATION

Mountain America Center - Hybrid

9800 S Monroe St
Sandy, UT 84070

SCHEDULE

Full Time; this is a hybrid schedule with some weekly in office expectation, based on business need.

To be effective, an individual must be able to perform each job duty successfully.

  • Assist in assessing the credit risk exposure of the credit union by:
    • Partnering with first-line business stakeholders to understand lending products, processes, strategies, and risks.
    • Partnering with first- and second-line business stakeholders to review and assess potential credit risks associated with lending portfolios, products, processes, and strategies.
    • Identifying and surfacing potential risks and concerns to relevant stakeholders.
    • Creating and drafting risk assessments and reports.
    • In collaboration with team members, assist business units in the development of remediation plans and timelines for identified risks.
    • Reviewing existing reporting and document/communicate any changes or trends within the data analyzed.
    • Reviewing loan data on an individual and aggregate basis to determine potential risks, adherence to policy and procedures.
    • Assisting in the preparation of reporting to management.
    • Supporting the implementation of the Credit Risk Management Program strategy and road map.
    • Utilizing judgment, perspective, and ownership in fulfilling job functions.
  • Regulatory Compliance:
    • Staying up to date on evolving regulatory requirements and expectations, as well as industry best practices for credit risk management.
    • Supporting the preparation of regulatory reports and audits related to credit risk.

KNOWLEDGE, SKILLS, and ABILITIES

The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Experience

  • A minimum of 3 years of lending and/or credit analysis in consumer and/or commercial lending, preferably with a financial institution
  • Strong understanding of lending products, terms, underwriting criteria, and servicing and liquidation practices
  • Additional Preferred Experience:
    • Knowledge of applicable credit union laws and regulations related to lending.

Education

  • Bachelor's degree in business, finance or related field required - OR two additional years of progressive work experience in lending, credit analysis, or risk management. Education must be from an accredited institution. Education and work experience will be verified.

Licenses, Certifications, Registrations

None required.

Computer/Office Equipment Skills

  • Demonstrated proficient skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel.
  • Experience with analytical and reporting software preferred.

Managerial Responsibility

No managerial responsibilities.

Language Skills

  • Demonstrated ability to clearly communicate verbally and in writing.

Other Skills and Abilities

  • Adaptive to change, responds positively to altered circumstances or conditions.
  • Ability to read and interpret federal, state, and NCUA regulations as well as internal policy guidelines related to lending.
  • Ability to read, interpret, and analyze financial data and reporting in a variety of formats.
  • Ability to manage a risk assessment or project from start to end by carrying out required steps and following those steps to completion.
  • Excellent interpersonal skills, including the ability to collaborate with multiple teams.
  • Ability to work independently and as part of a team.
  • Excellent communication,collaboration,and problem-solving skills.
  • Ability and willingness to provide suggestions to improve processes and efficiencies. Able to negotiate and compromise to come to solutions satisfactory to multiple parties.
  • Possess a desire and willingness to learn and continually update knowledge of financial concepts, strategies, systems etc.

Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.

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