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Credit Risk Monitor Jobs in Arizona (NOW HIRING)

USAA

Director, Risk Management - Life Risk

Phoenix, AZ · On-site +1

... monitoring, controlling, and reporting key risks across the organization. You will serve as a ... risk, credit risk, liquidity risk, interest rate risk, asset-liability management (ALM), and ...

USAA

Director, Risk Management - Life Risk

Phoenix, AZ · On-site +1

... monitoring, controlling, and reporting key risks across the organization. You will serve as a ... risk, credit risk, liquidity risk, interest rate risk, asset-liability management (ALM), and ...

loanDepot

Fair Lending Specialist, Sr

Chandler, AZ · On-site +1

... risk management initiatives, including performance analytics, peer benchmarking, monitoring ECOA ... Regulation B (Equal Credit Opportunity Act), Fair Housing Act, UDAAP and Dodd-Frank Regulatory ...

loanDepot

Fair Lending Specialist, Sr

Chandler, AZ · On-site +1

... risk management initiatives, including performance analytics, peer benchmarking, monitoring ECOA ... Regulation B (Equal Credit Opportunity Act), Fair Housing Act, UDAAP and Dodd-Frank Regulatory ...

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Showing results 41-60

All JobsCredit Risk Monitor JobsCredit Risk Monitor Jobs in Arizona

Credit Risk Monitor information

See Arizona salary details

$80.6K

$147.5K

$223.2K

How much do credit risk monitor jobs pay per year?

As of Sep 5, 2026, the average yearly pay for credit risk monitor in Arizona is $147,529.00, according to ZipRecruiter salary data. Most workers in this role earn between $124,400.00 and $165,400.00 per year, depending on experience, location, and employer.

What is a credit risk monitor?

A Credit Risk Monitor is a professional responsible for analyzing and assessing the credit risk associated with lending or extending credit to individuals or organizations. They monitor financial statements, payment histories, and market trends to evaluate the likelihood of default. Credit Risk Monitors help financial institutions and businesses minimize losses by providing recommendations on credit limits, terms, and risk mitigation strategies. Their work is essential for maintaining the financial health and stability of organizations that rely on credit transactions.

What are the key skills and qualifications needed to thrive as a credit risk monitor?

To thrive as a Credit Risk Monitor, you need strong analytical skills, financial acumen, and a background in finance, accounting, or economics, often supported by a relevant degree. Familiarity with risk assessment tools, credit scoring models, and platforms such as Moody’s Analytics or S&P Global Market Intelligence is typically required. Attention to detail, effective communication, and sound judgment help in interpreting data and conveying risk findings to stakeholders. These skills are essential to accurately evaluate creditworthiness and support informed decision-making that protects organizational assets.

What are some common challenges faced by credit risk monitors in their day-to-day work?

Credit Risk Monitors often contend with the challenge of evaluating complex financial data from multiple sources to assess a borrower's creditworthiness. They must stay updated on changing market conditions and regulatory requirements, which can impact risk assessments. Another frequent challenge is balancing the need for thorough analysis with tight reporting deadlines. Collaboration with other departments, such as loan officers and compliance teams, is essential for obtaining accurate information and ensuring company policies are followed.

What is the difference between Credit Risk Monitor vs Credit Analyst?

AspectCredit Risk MonitorCredit Analyst
Required credentialsTypically requires finance, economics, or related degrees; certifications like CFA are a plusSimilar educational background; certifications like CFA or CPA can be advantageous
Work environmentFinancial services, credit risk assessment, often in corporate or agency settingsBanking, lending institutions, or corporate finance departments
Employer and industry usageUsed by credit rating agencies, financial institutions, and risk management firmsCommon in banks, investment firms, and credit departments

While both roles involve financial analysis and risk assessment, Credit Risk Monitors focus on monitoring and analyzing credit risks at a broader level, often involving data aggregation and industry trend analysis. Credit Analysts typically evaluate individual creditworthiness of clients or companies to inform lending decisions. Understanding these distinctions helps in choosing the right career path or job search focus.

What are popular job titles related to Credit Risk Monitor jobs in Arizona?

For Credit Risk Monitor jobs in Arizona, the most frequently searched job titles are:

What job categories do people searching Credit Risk Monitor jobs in Arizona look for?

The top searched job categories for Credit Risk Monitor jobs in Arizona are:

What cities in Arizona are hiring for Credit Risk Monitor jobs?

Cities in Arizona with the most Credit Risk Monitor job openings:

Credit Risk Monitor jobs near you

Indirect Loan Underwriter II

Arizona Financial Credit Union

Phoenix, AZ • On-site

$28/hr

Full-time

Posted 12 days ago

Key responsibilities

  • Review, analyze, and decision indirect loan applications received through dealer and strategic lending partners.

  • Evaluate credit risk, verify borrower capacity and collateral quality, and exercise delegated lending authority to approve, counteroffer, or decline loan requests.

  • Communicate funding conditions, loan requirements, and lending decisions to dealer and strategic lending partners.

Arizona Financial Credit Union rating

9.2

Company rating: 9.2 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

Job Summary Overview
The Indirect Lending Underwriter is responsible for reviewing, analyzing, and decisioning indirect loan applications received through our dealer partners and strategic lending partners. This role evaluates credit risk, verifies borrower capacity and collateral quality, and exercises delegated lending authority to approve, counteroffer, or decline loan requests while balancing member experience, loan growth, and portfolio performance. The Indirect Lending Underwriter works closely with dealer partners, strategic lending partners, lending operations, funding, and management to ensure timely loan decisions, adherence to policy, and achievement of organizational growth objectives.
Essential Job Functions
Credit Risk Evaluation & Loan Decisioning
  • Reviews and analyzes indirect loan applications, credit reports, , collateral valuations, and related supporting information for dealer partner loans, refinance partner loans, auto leasing and other collaterals from our dealer partners..
  • Applies lending policies, underwriting guidelines, and delegated lending authority to approve, counteroffer, stipulate, or decline applications.
  • Evaluates borrower capacity, credit history, collateral, character, and overall risk profile.
  • Identifies compensating factors and exercises sound credit judgment when making lending decisions.
  • Distinguishes between patterns and anomalies within the context of the entire credit application to assess the creditworthiness of a borrower.
  • Documents all decisions, exceptions, conditions, and supporting rationale within the loan origination system.
  • Successfully underwrite all indirect products (Auto financing, Power Sports and Marine Loans, Leasing and Auto Refinance)
  • Communicates funding conditions, loan requirements, and lending decisions to dealer partner and strategic lending partners.
  • Assists with dealer relationship support by providing underwriting guidance and responding to escalated application questions.
  • Maintains established service level agreements (SLAs) for application review, dealer application questions and funding turnaround times.
  • Ensures compliance with all federal and state lending regulations, credit union policies, and indirect lending procedures.
  • Maintains adherence to fair lending, Bank Secrecy Act (BSA), OFAC, and fraud prevention requirements.
  • Identifies potential fraud, identity theft, or suspicious application activity and escalates concerns appropriately.
  • Supports quality control reviews, audits, and portfolio monitoring activities.
  • Provides feedback regarding policy enhancements, automated decisioning strategies, and process improvements.
  • Supports portfolio growth initiatives while maintaining acceptable risk tolerance and delinquency performance.
  • Partners with Consumer Lending Sales, Operations, Loan Servicing, Collections, Fraud Prevention, and Compliance teams.
  • Assists with training and mentoring of junior underwriting staff.
  • Participate in departmental projects, system testing, and process improvement initiatives.
  • Performs other job-related duties as assigned.

Requirements
Position Required Qualifications
Minimum Education and Experience
High School diploma or GED and two (2) years of experience with consumer loan underwriting with one (1) year of experience in indirect lending underwriting. Experience with auto loan underwriting and indirect dealer lending programs preferred.
Knowledge, Skills, and Abilities
Candidate should be capable of underwriting auto loans, understand credit risk and auto loan profitability. Candidate need to be qualified to do so to explain credit decisions to dealers in a confident and professional manner either over the phone or through messaging. Proficiency with computer programs including the full suite of Microsoft Office products and other standard office software. Ability to develop ad hoc reports. Ability to read, write, speak, and use proper grammar in English. Ability to read, analyze and interpret technical procedures, financial reports, legal documents, and government regulations. Proven ability to write business correspondence and write reports. Proven ability to write business correspondence in response to sensitive inquiries or complaints. Ability to communicate verbally both in person and on the telephone. Ability to speak effectively to members and dealers regarding sensitive inquiries or complaints. Ability to define problems, collect data, establish facts, and draw valid conclusions.
Licenses, Training, and Certifications Required
None.
Hybrid Work Environment and Physical Demands
  • Occasionally required to stand, walk, and reach with hands and arms.
  • Regularly required to sit; use hands to finger keys accurately when using calculator machines or computer keyboards.
  • Occasionally lift and/or move up to 10 pounds.
  • Specific vision abilities required by this job include close vision and distant vision.
  • The noise level in the work environment is moderate.
  • Must be able to travel independently to department, branches, dealerships, and other off-site locations.

NOTE: The job description is intended to be generic in nature. It is not an exhaustive list of all duties and responsibilities. Requirements listed in the above qualifications and physical requirements are representative of the knowledge, skill, abilities, physical demands, or work environment required or encountered that must be met by an employee to successfully perform each duty and each function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.
Employees who work from home must have business operational internet to complete work tasks and communicate via video call or chat messaging systems in a dedicated workspace.
Salary Description
$28/hr

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