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

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

Bel Air, 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 ...

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 ...

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All 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 Jun 23, 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.

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 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
Managing Director, Lender Finance Underwriting

Managing Director, Lender Finance Underwriting

Synovus

Annapolis, MD • On-site, Remote

Full-time

Posted 3 days ago

Synovus rating

8.9

Company rating: 8.9 out of 10

Based on 27 frontline employees who took The Breakroom Quiz

11th of 141 rated banks

Job description

Position Summary
Pinnacle Financial Partners is seeking a Managing Director, Lender Finance Underwriting to serve as a senior credit leader and underwriter for lender finance and specialty finance credit facilities ranging from $10MM to $150MM.
This role is responsible for end-to-end credit underwriting, structuring, and approval of complex specialty finance transactions and sits at the center of a relationship-driven, credit-focused platform. The Managing Director will partner closely with originations to deliver tailored financing solutions to non-bank lenders, specialty finance companies, and asset-based lenders, while ensuring disciplined risk management aligned with growth objectives.
In addition, this individual will oversee underwriting standards, mentor junior professionals, and play a central role in credit committee presentations and approvals.
Key Responsibilities
  1. Credit Underwriting & Structuring
  • Underwriting of lender finance facilities, including warehouse facilities (consumer, commercial, fintech assets), asset-backed revolvers and other structured credit solutions.
  • Perform detailed analysis of:
    • Borrower financial performance and liquidity
    • Collateral quality, dilution, and performance trends
    • Advance rates, borrowing base mechanics, eligibility criteria, and concentration limits
  • Structure credit facilities to optimize risk-adjusted returns, including covenants, reporting requirements, and control mechanisms
  • Own preparation of clear, decision-oriented credit memos and present transactions to credit committee in partnership with the originations team

  1. Partnership with Originations & Clients
  • Act as a strategic credit partner to deal teams (not a gatekeeper)
  • Engage early in deal screening, structuring, and term sheet development
  • Provide pragmatic solutions to support execution within defined risk tolerance
  • Interface directly with clients, sponsors, management teams and intermediaries as a senior credit representative

  1. Credit Risk Leadership, Governance & Portfolio Transition
  • Ensure alignment with firm-wide credit culture, policies and risk appetite
  • Identify and mitigate key risks, including collateral volatility, concentration exposure, operational risk, and counterparty risk
  • Partner with portfolio management to ensure effective transition from underwriting to ongoing monitoring
  • Maintain high-quality underwriting standards across the platform
  • Serve as a senior voice in credit committee discussions and decisions

  1. Cross-Functional Execution
  • Collaborate closely with originations, legal, portfolio management, and operations to execute transactions efficiently
  • Support negotiation of loan documentation and closing conditions
  • Provide structuring guidance throughout transaction lifecycle, from deal screening to term sheet development and through closing

  1. Strategic & Platform Development
  • Help build and scale Pinnacle's lender finance platform, including credit frameworks, underwriting guidelines, and product capabilities
  • Contribute to portfolio construction strategy, including industry focus and concentration limits
  • Provide market insights on specialty finance trends, structures, and competitive dynamics
  • Assist with hiring, development and mentoring of junior underwriters and analysts
  • Deliver training on structuring, collateral analysis, and credit judgment and promote best practices in credit writing and presentation
  • Foster a high-performance, collaborative underwriting culture while supporting scalable growth

Technical & Soft Skills
  • Expertise in collateral-based lending, borrowing base mechanics, and advance rate analysis
  • Strong financial modeling, structuring and risk assessment capabilities
  • Deep understanding of legal documentation and intercreditor dynamics
  • Excellent written and verbal communication skills
  • Ability to balance risk discipline with commercial pragmatism
  • Strong judgment in complex and ambiguous situations
  • Comfortable operating on a lean, high-accountability team
  • High ownership mindset with end-to-end accountability

Preferred Qualifications
  • Experience in lender finance, fund finance, or structured finance platforms
  • Background working with non-bank lenders, fintechs, or specialty finance companies
  • Prior experience building or scaling an underwriting function

Minimum Experience
10-15+ years in Asset-based finance, Lender finance / specialty finance, and/ or Structured or private credit
  • Deep experience underwriting and structuring collateral-based credit facilities in the $10MM-$100MM+ range
  • Proven experience presenting to and interacting with senior leadership and credit committees

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