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Credit Risk Manager Jobs in Dallas, TX (NOW HIRING)

Citigroup, Inc.

Credit Risk Group Manager

Irving, TX · On-site

$188K/yr

A. seeks a Credit Risk Group Manager for its Irving, Texas location. Duties: Analyze credit data and financial statements to determine the degree of risk involved in extending credit and preparing ...

Citi

Credit Risk Group Manager

Irving, TX · Hybrid

$188K/yr

A. seeks a Credit Risk Group Manager for its Irving, Texas location. Duties: Analyze credit data and financial statements to determine the degree of risk involved in extending credit and preparing ...

Regional Finance

Manager Credit Risk

Plano, TX · On-site

Job purpose The Manager, Credit Risk is responsible for performance analysis, operational reporting, and business unit support for the Risk Management organization within Regional Management. This ...

Regional Finance

Manager Credit Risk

Plano, TX · On-site

Job purpose The Manager, Credit Risk is responsible for performance analysis, operational reporting, and business unit support for the Risk Management organization within Regional Management. This ...

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Credit Risk Manager information

See Dallas, TX salary details

$80.9K

$148K

$223.9K

How much do credit risk manager jobs pay per year?

As of Sep 15, 2026, the average yearly pay for credit risk manager in Dallas, TX is $147,981.00, according to ZipRecruiter salary data. Most workers in this role earn between $124,800.00 and $165,900.00 per year, depending on experience, location, and employer.

What is a credit risk manager?

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 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 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.

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 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.

How much do credit risk managers make in the US?

Credit risk managers in the US typically earn a median annual salary of around $85,000 to $125,000, with experienced professionals and those in senior roles earning higher. Salaries can vary based on industry, location, and level of experience, and certifications like CFA or FRM can enhance earning potential.
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For Credit Risk Manager jobs in Dallas, TX, the most frequently searched job titles are:

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Cities near Dallas, TX with the most Credit Risk Manager job openings:

Credit Risk Manager jobs near you
Infographic showing various Credit Risk Manager job openings in Dallas, TX as of September 2026, with employment types broken down into 86% Full Time, 12% Part Time, and 2% Contract. Highlights an 81% Physical, 2% Hybrid, and 17% Remote job distribution, with an average salary of $147,981 per year, or $71.1 per hour.

Vice President, Credit Risk Manager

Fort Worth, TX • On-site

First Command Financial Services, Inc.
Finance and Insurance • 1 - 5K employees
Learn more about First Command Financial Services, Inc.external

Full-time

Posted 5 days ago

First Command Financial Services rating

7.5

Company rating: 7.5 out of 10

Based on 11 frontline employees who took The Breakroom Quiz

Job description


How will this employee impact First Command?
First Command Bank is seeking a strategic and experienced Vice President (VP), Credit Risk Manager to lead the independent "second line" credit risk function across both the consumer and commercial lending portfolios. This role is responsible for establishing and maintaining a comprehensive credit risk framework that supports safe and sound growth while ensuring adherence to regulatory requirements and the Bank's risk appetite.
The VP, Credit Risk Manager will provide independent oversight of credit risk, portfolio performance, credit policy governance, concentration management, risk reporting, stress testing, and credit analytics. The position partners closely with Lending, Credit Administration, Finance, Compliance, Internal Audit, and Executive Leadership to ensure effective identification, measurement, monitoring, and mitigation of credit risk across the organization.
What will this employee be doing?
Credit Risk Oversight & Governance
  • Develop, implement, and maintain the Bank's enterprise credit risk management framework.
  • Monitor and assess credit risk across consumer and commercial portfolios.
  • Ensure credit risk practices align with the Bank's strategic objectives, risk appetite, and regulatory expectations.
  • Serve as a key advisor to executive management on emerging credit risk trends, concentrations, and portfolio vulnerabilities.
  • Present portfolio performance, risk metrics, and key credit insights to executive management committees and the Board of Directors.

Portfolio Risk Management
  • Develop and monitor portfolio-level credit risk metrics, key risk indicators (KRIs), and concentration limits.
  • Identify adverse trends, emerging risks, and early warning indicators within lending portfolios.
  • Conduct portfolio segmentation and performance analysis by product, collateral type, industry, geography, risk rating, and borrower characteristics.
  • Monitor delinquency, charge-off, recovery, migration, and loss trends.
  • Perform stress testing and sensitivity analyses to assess portfolio resilience under changing economic conditions.

Credit Policy & Underwriting Oversight
  • Recommend policy enhancements based on portfolio trends, market conditions, and regulatory guidance.
  • Partner with lending teams to ensure underwriting standards are consistently applied and aligned with risk appetite.
  • Recommend granting, increasing, restricting, or revoking credit authority levels.
  • Review and challenge exceptions to policy and emerging underwriting risks.

Risk Analytics & Reporting
  • Design and maintain credit risk dashboards and management reporting.
  • Prepare quarterly portfolio reviews, concentration analyses, and credit risk reports for management and Board committees.
  • Develop predictive and analytical reporting to identify risk migration and portfolio deterioration.
  • Utilize data analytics to support decision-making and portfolio optimization.

Allowance and Regulatory Support
  • Partner with Finance and Accounting teams in the administration and validation of the Allowance for Credit Losses (ACL/CECL) methodology.
  • Provide credit risk inputs for capital planning, budgeting, and strategic planning processes.
  • Support regulatory examinations, internal audits, external audits, and independent loan review activities.
  • Ensure compliance with applicable regulatory guidance and banking industry best practices.

Problem Loan & Risk Mitigation Oversight
  • Monitor criticized, classified, and watch-list credits.
  • Collaborate with lending and asset quality teams to develop appropriate action plans for higher-risk relationships.
  • Assess trends in problem assets and recommend strategies to minimize losses.
  • Support collections and workout strategies as needed.

Leadership & Collaboration
  • Lead and further develop a team of credit risk professionals.
  • Foster a strong risk culture throughout the organization.
  • Serve as a trusted business partner while maintaining appropriate independent risk oversight.
  • Participate in strategic initiatives, new product reviews, and system implementations impacting credit risk management.

What skills and qualifications does this employee need?
Education
  • Bachelor's degree in Finance, Accounting, Economics, Business, or related field required.
  • Master's degree, MBA, banking school or advanced banking certification preferred.

Experience
  • Minimum 7-10 years of progressive experience in credit risk management, credit administration, commercial credit, consumer lending, or related banking functions.
  • Minimum 3-5 years of management experience preferred.
  • Experience overseeing both consumer and commercial lending risk portfolios strongly preferred.
  • Experience with community banking or regional banking environments preferred.
  • Strong understanding of CECL, credit risk analytics, portfolio management, and regulatory expectations.

Knowledge, Skills & Abilities
  • Extensive knowledge of consumer and commercial credit risk principles.
  • Strong understanding of OCC, FDIC, Federal Reserve, and interagency credit risk guidance.
  • Demonstrated expertise in credit policy development and governance.
  • Experience with portfolio stress testing and concentration risk management.
  • Strong analytical, quantitative, and problem-solving skills.
  • Excellent communication and presentation skills, including Board-level reporting.
  • Ability to influence and challenge business decisions constructively.
  • Advanced proficiency in Excel, business intelligence tools, and portfolio analytics platforms.

Key Performance Indicators
Success in this role may be measured through:
  • Portfolio asset quality performance.
  • Delinquency, charge-off, and loss trends.
  • Credit policy adherence and governance effectiveness.
  • Accuracy and quality of credit risk reporting.
  • Regulatory examination and audit results.
  • Effectiveness of concentration risk monitoring.
  • Timeliness and effectiveness of risk identification and mitigation.
  • Team engagement and development.

About First Command Bank
First Command Bank is committed to helping military families pursue their financial goals. We provide banking and lending solutions to serve the unique needs of those who serve our nation. The VP, Credit Risk Manager plays a critical role in ensuring the Bank continues to grow responsibly while maintaining strong asset quality and prudent risk management practices.
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About First Command Financial Services

Sourced by ZipRecruiter

First Command Financial Services, based in Fort Worth, TX, US, operates within the financial services industry. Established in 1958, this company's mission is to "coach those who serve in their pursuit of financial security." With its suite of services and products, including investment management and financial planning, the firm is dedicated to helping military families and federal employees achieve financial security. Over the years, First Command has made a name for itself through integrity, commitment, and an approach built upon trust, resulting in substantial client loyalty. Featured among its notable achievements is the company's consistent placement among the top 1% of all wealth management firms in the USA in terms of long-term investment results, confirming their commitment to providing exceptional financial services.

Industry

Finance and insurance

Company size

1,001 - 5,000 Employees

Headquarters location

Fort Worth, TX, US

Year founded

1958

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