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Credit Risk Monitor Jobs in Delaware (NOW HIRING)

M&T Bank

Commercial Credit Lead

Wilmington, DE · On-site

Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions ...

M&T Bank

Commercial Credit Lead

Wilmington, DE · On-site

Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions ...

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Credit Risk Monitor information

See Delaware salary details

$86.6K

$158.4K

$239.7K

How much do credit risk monitor jobs pay per year?

As of Jun 18, 2026, the average yearly pay for credit risk monitor in Delaware is $158,449.00, according to ZipRecruiter salary data. Most workers in this role earn between $133,600.00 and $177,700.00 per year, depending on experience, location, and employer.

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.

Is risk analyst a high paying job?

A risk analyst, including credit risk monitor roles, typically earns a competitive salary that varies by industry, experience, and location. Entry-level positions may start lower, but experienced risk analysts with specialized skills and certifications can earn higher wages, often comparable to other finance and risk management roles.

What are the key skills and qualifications needed to thrive as a Credit Risk Monitor, and why are they important?

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.

How much do credit risk analysts earn?

Credit risk analysts typically earn a median annual salary ranging from $60,000 to $85,000, depending on experience, location, and industry. Entry-level analysts may start at lower salaries, while experienced professionals with certifications can earn over $100,000 annually. The role often requires strong analytical skills and familiarity with financial modeling tools.

What is a Credit Risk Analyst's salary?

A Credit Risk Analyst's salary typically ranges from $55,000 to $85,000 annually, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications can earn higher salaries, often supplemented with bonuses and benefits.

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 5 C's of credit risk?

The 5 C's of credit risk—used by credit risk monitors—are Character, Capacity, Capital, Collateral, and Conditions. These factors help assess a borrower's ability and willingness to repay a loan and are fundamental in credit analysis. Understanding these elements is essential for evaluating creditworthiness and managing risk effectively.

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 Delaware? For Credit Risk Monitor jobs in Delaware, the most frequently searched job titles are:
What job categories do people searching Credit Risk Monitor jobs in Delaware look for? The top searched job categories for Credit Risk Monitor jobs in Delaware are:
What cities in Delaware are hiring for Credit Risk Monitor jobs? Cities in Delaware with the most Credit Risk Monitor job openings:
Credit Risk Monitor jobs near you
Director, Credit Risk Oversight - Consumer Lending (2nd Line of Defense)

Director, Credit Risk Oversight - Consumer Lending (2nd Line of Defense)

Best Egg

Wilmington, DE

$125K - $150K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 7 days ago

Job description

Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, we combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution-working together to create a better financial future for our customers and communities.


At Best Egg, you'll find a culture grounded in our core values-putting people first, creating clarity, delivering with excellence -enhanced by Barclays' commitment to integrity, inclusion, and long-term impact. Together, we empower our colleagues to challenge, innovate, and take ownership while making a meaningful difference in people's financial lives.


With the strength of Barclays behind us, we offer expanded opportunities for growth, development, and career mobility across a global organization-while continuing to build the products and experiences that make Best Egg unique.


We're looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.


We're proud to be an equal opportunity employer committed to building a diverse and inclusive team.


About the Role

We are seeking an experienced Director of Credit Risk Oversight to join our Second Line of Defense (2LOD) supporting unsecured and secured personal loan products. This role will provide independent oversight, governance, and credible challenge across credit underwriting, pricing, loan amount, portfolio performance, credit policy governance, and risk appetite.

This individual will play a critical role in ensuring that credit strategy and growth initiatives are aligned with the company's risk appetite, regulatory expectations, and sound risk management practices.

Key Responsibilities:

Credit Risk Oversight & Governance

  • Provide independent 2LOD oversight and challenge of credit underwriting, loan amount/credit exposure, pricing, and portfolio performance strategies
  •  Ensure effective governance frameworks are in place for credit decisioning, strategy changes, documentation, and reporting

Portfolio Monitoring & Risk Analytics

  • Monitor portfolio performance across originations, vintages, and customer segments
  • Identify emerging risks, evolving trends, and portfolio concentration opportunities
  • Evaluate impacts of strategy changes on approval rates, credit quality, and profitability

 Marketing & Growth Strategy Oversight

  • Understanding of marketing and growth strategies impacts to ensure alignment with credit risk appetite and portfolio objectives
  • Review expansion strategies (e.g., new segments, channels, or products) for risk implications

Regulatory & Compliance Oversight

  • Ensure adherence to applicable consumer lending and fair lending regulations (e.g., ECOA/Reg B, FCRA, UDAAP, etc.)
  • Provide effective challenge on fair lending risk, model bias, and disparate impact considerations
  • Support regulatory exams, internal audits, and issue remediation

Risk Reporting & Governance

  • Develop and maintain credit risk reporting, insights, and dashboards  
  • Escalate material risks, control gaps, or model concerns in a timely manner

Change Management & Innovation

  • Provide oversight of new credit strategies, model deployments, and product launches
  • Ensure appropriate risk assessment and governance for FinTech-driven innovations (e.g., alternative data, AI/ML models)
  • Support ongoing enhancement of credit risk frameworks and controls
Qualifications:

Required Experience

  • 10+ years of experience in credit risk management, underwriting, or portfolio risk within consumer lending
  • Direct experience managing or overseeing first or second line of defense credit risk functions required
  • Experience in 2LOD, model risk, validation, or audit, or strong exposure to independent oversight functions
  • Deep understanding of credit risk models and decision strategies
  • Proven experience analyzing portfolio performance and credit trends

Preferred Experience

  • Experience in a FinTech and/or regulated banking environment  
  • Exposure to digital lending, alternative data, or advanced analytics/ML models

Regulatory Knowledge

  • Strong knowledge of consumer lending regulations, including:
    • ECOA / Regulation B (fair lending)
    • FCRA
    • UDAAP
  • Experience in addressing fair lending and model governance risks preferred
Skills & Competencies
  • Strong risk and control mindset with ability to provide independent, credible challenge
  • Advanced analytical and quantitative skills
  • Ability to connect credit strategy decisions to portfolio outcomes and risk appetite
  • Excellent communication and stakeholder management
  • Ability to operate effectively in a fast-paced, data-driven FinTech environment
  • Willingness to adapt to a fast-paced environment and adjust priorities accordingly
$125,000 - $150,000 a year
Employee Benefits
Best Egg offers many additional benefits for our employees, including (but not limited to):
       Pre-tax and post-tax retirement savings plans with a competitive company matching
program
       Generous paid time-off plans including vacation, personal/sick time, paid short--
term and long-term disability leaves, paid parental leave, and paid company
holidays
       Multiple health care plans to choose from, including dental and vision options
       Flexible Spending Plans for Health Care, Dependent Care, and Health
Reimbursement Accounts
       Company-paid benefits such as life insurance, wellness platforms, employee
assistance programs, and Health Advocate programs
       Other great discounted benefits include identity theft protection, pet insurance,
fitness center reimbursements, and many more!
 
 
In compliance with the CCPA, Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy  here 
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