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Credit Risk Manager Jobs in Baltimore, MD (NOW HIRING)

Horizon Farm Credit

IRC Analyst

Westminster, MD · On-site

$70K - $110K/yr

Are you looking for a professional opportunity that blends analytical problem-solving, risk management, and meaningful impact in a collaborative team environment? Overview Horizon Farm Credit is ...

Horizon Farm Credit

IRC Analyst

Bel Air, MD · Hybrid

$70K - $110K/yr

Are you looking for a professional opportunity that blends analytical problemsolving, risk management, and meaningful impact in a collaborative team environment? Overview Horizon Farm Credit is ...

Horizon Farm Credit

IRC Analyst

Westminster, MD · Hybrid

$70K - $110K/yr

Are you looking for a professional opportunity that blends analytical problemsolving, risk management, and meaningful impact in a collaborative team environment? Overview Horizon Farm Credit is ...

Immersion Consulting, LLC

Intern

Annapolis, MD

$14.75 - $19.75/hr

Make use of quantitative procedures to analyze and give suggestions with regards to diverse business matters, such as optimization, customer segmentation, credit risk management, and customer ...

Immersion Consulting

Intern

Annapolis, MD · On-site

$14.75 - $19.75/hr

* Make use of quantitative procedures to analyze and give suggestions with regards to diverse business matters, such as optimization, customer segmentation, credit risk management, and customer ...

APGFCU

Product Manager

Edgewood, MD · On-site

$91K - $155K/yr

This role is not a technical product manager position. Instead, it focuses on market analysis ... Familiarity with credit risk metrics and underwriting concepts across multiple lending lines.

Saval Foodservice

Be Seen First

Credit and Collection Analyst

Elkridge, MD · On-site

$30/hr

... Manage creditworthiness of customers, which includes analyzing the financial health of existing and potential customers. 2. Maintaining credit policy adherence. Work with sales team to minimize risk ...

BofA Securities

Senior Credit Underwriter

Baltimore, MD · On-site

$89K - $187K/yr

Independently works with Relationship Management, and Risk teammates to understand structuring ... Credit and Risk Assessment * Financial Analysis * Underwriting * Written Communications

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All JobsCredit Risk JobsCredit Risk Manager JobsCredit Risk Manager Jobs in Baltimore, MD

Credit Risk Manager information

See Baltimore, MD salary details

$86K

$157.3K

$238K

How much do credit risk manager jobs pay per year?

As of Jul 20, 2026, the average yearly pay for credit risk manager in Baltimore, MD is $157,305.00, according to ZipRecruiter salary data. Most workers in this role earn between $132,600.00 and $176,400.00 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 Baltimore, MD? The most popular types of Credit Risk jobs in Baltimore, MD are:
What are popular job titles related to Credit Risk Manager jobs in Baltimore, MD? For Credit Risk Manager jobs in Baltimore, MD, the most frequently searched job titles are:
What job categories do people searching Credit Risk Manager jobs in Baltimore, MD look for? The top searched job categories for Credit Risk Manager jobs in Baltimore, MD are:
What cities near Baltimore, MD are hiring for Credit Risk Manager jobs? Cities near Baltimore, MD with the most Credit Risk Manager job openings:
Credit Risk Manager jobs near you
IRC Analyst

IRC Analyst

Horizon Farm Credit

Westminster, MD • On-site

$70K - $110K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 3 days ago

Job description


Are you looking for a professional opportunity that blends analytical problem-solving, risk management, and meaningful impact in a collaborative team environment?
Overview
Horizon Farm Credit is seeking an IRC Analyst to join our Risk team. Two positions available, qualified candidate may work in any available Horizon Farm Credit branch location. To view locations, click here Locations | Horizon Farm Credit. This position is eligible for hybrid work schedule after 6 months of successful employment. Our ideal candidate is a detail-oriented, analytical professional with strong critical-thinking skills and a passion for strengthening internal controls and risk management practices.
In this role, you will conduct internal control reviews, evaluate the design and effectiveness of business process controls, and provide meaningful, well-supported recommendations that strengthen risk mitigation across the organization. The IRC Analyst works independently with general direction and may coach or support less-tenured team members.
Areas of Responsibility Include:
  • Verify compliance with internal control policies and procedures by examining records, reports, operating practices, and documentation.
  • Support audits and examinations conducted by Internal Audit and external partners (e.g., External Auditor, AgFirst, or FCA).
  • Evaluate design and operating effectiveness of internal controls and assess potential fraud risk during reviews.
  • Prepare risk assessments and generate risk and control matrices (RACM); update GRC systems with risks and controls.
  • Develop and execute detailed test procedures using strong critical-thinking skills.
  • Analyze transactions, documentation, and reporting to assess adequacy and process effectiveness.
  • Prepare timely review findings, documentation, and formal reports, including recommendations for remediation.
  • Prepare exception trackers and verify the status of remediation efforts.
  • Manage engagement operations, ensuring quality work is completed on time and within budget.
  • Scope, plan, and document audit engagements.
  • Seek opportunities to gain exposure to diverse situations and build strong, quality relationships across the organization.

Education & Experience
  • Bachelor's degree in Accounting, Finance, Management Information Systems, or Business Administration. Professional certifications such as CIA, CPA, or CISA preferred.
  • Generally, three to five years of risk management experience preferred.

Preferred Skills
  • Advanced understanding of business processes, financial reporting, and IT risks, processes, and controls.
  • Knowledge of Corporate Governance, SOX requirements, and leading frameworks such as COSO and CoBIT.
  • Strong ability to research regulations, summarize requirements, and identify compliance gaps.
  • Proficiency with Microsoft Office Suite and working knowledge of SharePoint.
  • Ability to analyze industry trends and apply relevant tools appropriately.
  • Strong written and verbal communication skills and ability to produce high-quality deliverables.
  • Adaptable, flexible, and able to work in a dynamic environment.
  • Ability to travel to branch offices, AgFirst, and other facilities as needed.
  • Regular, predictable, and reliable attendance required.

Who are we?
Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of Horizon Farm Credit, you have the opportunity to make a meaningful impact on agriculture and rural communities.
What can we offer you?
We offer competitive compensation and benefits packages for full-time employees including:
  • Medical insurance with dental and vision care options
  • 401(k) with significant employer matching
  • Paid time off, holidays, and volunteer time
  • Tuition reimbursement and training opportunities
  • Student loan reimbursement
  • Leadership and career development opportunities
  • Paid maternity and bonding leave
  • Fun, inclusive, and supportive work environment

Salary Range: $70,000 - $110,000, depending on previous experience. Opportunity to earn additional incentive.
Equal Opportunity Employer, including veterans and individuals with disabilities.

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