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

Hilltop Holdings

Regional Credit Officer

Houston, TX · On-site

The Regional Credit Officer executes credit risk management strategies and policies for an assigned geographic region, ensuring credit quality, sound deal structures, and compliance with bank policy.

Hilltop Holdings

Regional Credit Officer

Houston, TX · On-site

The Regional Credit Officer executes credit risk management strategies and policies for an assigned geographic region, ensuring credit quality, sound deal structures, and compliance with bank policy.

Flagstar Bank

Credit Products Analyst Il

Houston, TX

$58K - $95K/yr

Credit Risk Analysis & Portfolio Management: * Conduct financial spreading and risk rating analysis. * Perform detailed credit due diligence and industry research. * Prepare annual and periodic ...

THIRD COAST BANK

Regional Credit Officer

Houston, TX · On-site

Credit Leadership & Risk Management * Exercise delegated approval authority in accordance with Bank loan policy. * Evaluate and approve complex commercial credit requests, modifications, renewals ...

THIRD COAST BANK

Regional Credit Officer

Humble, TX · On-site

Credit Leadership & Risk Management * Exercise delegated approval authority in accordance with Bank loan policy. * Evaluate and approve complex commercial credit requests, modifications, renewals ...

Haynes and Boone, LLP

Credit Analyst

Houston, TX

Support the Credit Manager in recommending appropriate credit terms, retainers, billing arrangements, and risk mitigation measures for new and existing clients * Conduct research on prospective and ...

Janel Group LLC

Credit & Collections Specialist

Houston, TX · On-site

$55K - $65K/yr

Key Responsibilities Credit & Risk Management * Review customer credit applications and trade references. * Recommend credit limits and terms per company policy. * Monitor credit exposure, especially ...

Golden Bank NA

Credit Administrator

Houston, TX · On-site

Maintain the integrity of the credit management process by enforcing Bank policies and procedures ... Ensure that credits are accurately risk graded, appropriately structured, and that sources of ...

Bank of America

Credit Officer II - Energy

Houston, TX · On-site

This job is responsible for managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations and risk teams to support the ...

Bank of America

Credit Officer II - Energy

Houston, TX · On-site

This job is responsible for managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations and risk teams to support the ...

EDF Trading Limited

Credit Analyst

Houston, TX · On-site

Credit is a strategic function whose primary role is to manage the credit risk associated with commercial activities. Responsibilities: * Perform financial analysis to assess the creditworthiness of ...

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All JobsCredit Risk JobsCredit Risk Manager JobsCredit Risk Manager Jobs in Spring, TX

Credit Risk Manager information

See Spring, TX salary details

$77K

$140.9K

$213.1K

How much do credit risk manager jobs pay per year?

As of Aug 22, 2026, the average yearly pay for credit risk manager in Spring, TX is $140,881.00, according to ZipRecruiter salary data. Most workers in this role earn between $118,800.00 and $158,000.00 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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Credit Risk Manager jobs near you

Regional Credit Officer

Hilltop Holdings

Houston, TX • On-site

Full-time

Re-posted 12 days ago

Job description


The Regional Credit Officer executes credit risk management strategies and policies for an assigned geographic region, ensuring credit quality, sound deal structures, and compliance with bank policy. This role reviews and approves credit requests across all loan types within the region, partners closely with lending teams, and provides guidance on structuring, pricing, and risk mitigation. The Regional Credit Officer serves as a key risk steward, supporting portfolio performance and consistent credit standards
Responsibilities
  • Oversees the regional loan portfolio, including monitoring concentrations, emerging risks, portfolio trends, and overall credit quality to ensure alignment with the bank's risk appetite.
  • Utilizes financial statement analysis, company and industry information, and client conversations to identify risk on loans and mitigate; recommends cross-sell opportunities and pre-approvals. Documents declines, including any related discussion pertinent to the decision.
  • Partners with relationship management team (relationship managers, portfolio managers, credit analysts) to provide feedback on proper loan structuring and pricing to ensure long-term asset quality.
  • Works with the lending team to ensure that new and existing loans are properly documented, compliant to regulation, properly structured and lien positions are appropriately perfected.
  • Participate in customer calls and prepare client presentation materials as requested by relationship management team. Provide credible challenge and constructive feedback on client selection.
  • Approve or reject loans within delegated authority and approved risk limits including where difficult questions of policy or credit risk may be involved.
  • Participates in various meetings, such as loan committee meetings, portfolio reviews, asset quality meetings, etc.to ensure credit standards are following across the assigned portfolio.
  • Provide guidance to the credit and lending staff on the interpretation of current, new and pending laws, regulations and industry changes that affect the organization's credit practices and regulatory exposure.
  • Keeps the Senior Credit Officers, Chief Credit Officer and lending leadership informed of any material considerations affecting the loan portfolio, loan policy, regulatory compliance and performance of managed portfolio.
  • Recommends any updates and changes to the Bank's credit procedures to protect the asset quality of the bank and to create operational efficiencies.
  • Actively participates in and completes all assigned training and development sessions/initiatives.
  • Other duties as required.

Qualifications
  • Bachelor's degree in Business or related field required. Accounting or Finance degree strongly preferred.
  • Minimum 5 years of progressive experience in commercial credit analysis with exposure to various loan types, sizes, and complexities
  • Demonstrated knowledge of credit administration and analysis, credit risk assessment as well as banking laws and regulations/regulatory requirements
  • Ability to interface effectively and professionally with senior/executive level management.
  • Proficient in the communication of technical information both verbally and in writing to both technical and non-technical audiences.
  • Ability to travel in order to develop and maintain customer base and attend training/development sessions.
  • Ability to work after Bank operating hours and/or on the weekend.
  • Must have excellent judgement and decision-making skills with the ability to effectively resolve escalated concerns from the staff and stakeholders.
  • Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
  • Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
  • Must be self-motivated with strong initiative, accountability, and attention to detail.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.
About Us
PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.
Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.
PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.
PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.
To learn more, please visit us online at plainscapital.com/about.

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