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Credit Risk Manager Jobs in Ocean Springs, MS (NOW HIRING)

Hancock Whitney Corp.

Collections Specialist 2

Gulfport, MS · On-site

$18.50 - $24.75/hr

... Credit Risk, when appropriate. * Demonstrate accurate knowledge and strict application of federal regulations and collection laws (FDCPA). * Maintain and document Debt Manager collection system with ...

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Credit Risk Manager information

See Ocean Springs, MS salary details

$68.1K

$124.7K

$188.6K

How much do credit risk manager jobs pay per year?

As of Sep 1, 2026, the average yearly pay for credit risk manager in Ocean Springs, MS is $124,675.00, according to ZipRecruiter salary data. Most workers in this role earn between $105,100.00 and $139,800.00 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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What cities near Ocean Springs, MS are hiring for Credit Risk Manager jobs?

Cities near Ocean Springs, MS with the most Credit Risk Manager job openings:

Credit Risk Manager jobs near you

Regional Credit Officer

Pascagoula, MS • On-site

The Citizens Bank of Philadelphia
Commercial Banking • 201 - 500 employees
Learn more about The Citizens Bank of Philadelphiaexternal

Full-time

Re-posted 25 days ago

Job description

The Citizens Bank of Philadelphia is currently seeking a Regional Credit Officer, as follows:
Position Regional Credit OfficerReporting To Chief Credit Officer Location Hattiesburg/Pascagoula
About the Position
An internal partner who monitors the flow of credit requests within an assigned lending territory to ensure underwriting, approvals and risk are effectively and efficiently managed.
About the Opportunity
The Citizens Bank opened in 1908 in Philadelphia, MS, and it quickly earned a reputation for safety, confidence, honesty, integrity, and hard work. Throughout its history, the bank held steadfast to its commitment to be a bedrock partner to the communities it serves. Today, still grounded in the principles on which we were founded, our bank serves the state of Mississippi through 26 branch offices and beyond with its digital and mobile banking solutions. Our high-tech, high-touch approach to full-service banking helps us provide the products and services of larger banks, but with a level of service that only a community bank committed to extraordinary service can provide. We're different. We appreciate and respect our past, but our sights are clearly set on building an even better bank for the future, and it starts with our people. Our commitment to making the bank a great place to work is woven into the fabric of our core values - SERVE.
Essential Duties• Provide bank management with timely and accurate information relating to the overall credit quality of its loan portfolio.• Evaluate and approve complex commercial credit requests, modifications, renewals, and portfolio management actions.• Ensure consistent application of credit policy, underwriting standards, and risk rating methodologies.• Identify emerging credit risks, concentrations, and borrower-specific concerns.• Assist the Special Assets officer with oversight and management of the all substandard loans in the supported regional portfolio.• Assist the Chief Credit Officer with oversight and management of the all past due and non-accrual loans in the supported regional portfolio.• Participate in the review, development, and implementation of the bank's loan policies/practices and credit risk review policies/procedures.• Assist in expanding credit product offerings and creating efficiencies in the bank's credit delivery and risk monitoring process.• Provide guidance on loan structure, collateral, guarantor support, design, pricing and repayment sources.• Review and analyze customer financial statements, specifically to determine cash flow on existing and new customers.• Develop pertinent information for lenders and loan committees for use in the approval process of new, renewal and extension loans.• Evaluate quality of financial information submitted prior to performing analysis to determine if there is a need for additional information.• Review and decision loans as necessary within assigned lending authority and related limits.• Review credit relationships to determine adequacy of underwriting.• Participate in client meetings and prospect discussions, as appropriate.• Concurrently approve loan requests/relationships from $500,000 to $2,500,000 with Regional President.• Review and summarize all available business and/or personal financial information on relationships.• Prepare and submit various loan reports to the BOD, Loan Committees and SO Committee.• Support regulatory examinations, internal audits, loan reviews and external credit reviews.• Support the bank's strategic growth initiatives and market expansion efforts.
Perform all job functions in compliance with the requirements of banking laws and regulations. Perform other duties as required by supervisory personnel.
The Right Person • 10+ years successful experience within the credit administration function.• Broad knowledge of lending, credit and loan operations management.• Demonstrated experience in the use of outstanding judgement and initiative in making decisions for which there is little precedent.• Demonstrated experience in the formulation of loan and credit policies, as well as underwriting standards.• A skilled contributor to the strategic planning process, including loan product and service development.• Degree in banking & finance, accounting or related field.
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