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Credit Risk Officer Jobs (NOW HIRING)

Farmers Bank

Credit Risk Officer

Little Rock, AR · On-site

GENERAL DESCRIPTION OF POSITION The Credit Risk Officer is responsible for providing independent, second-line oversight of credit risk across the Bank, with particular emphasis on Commercial Real ...

Adyen

Credit Risk Officer

Chicago, IL · On-site

Credit Risk Officer - Financial Products As a Credit Risk Analyst based in Chicago, you will be part of a growing team responsible for evaluating, managing, and scaling credit risk across Adyen ...

Adyen

Credit Risk Officer

Chicago, IL

Credit Risk Officer - Financial Products As a Credit Risk Analyst based in Chicago, you will be part of a growing team responsible for evaluating, managing, and scaling credit risk across Adyen ...

JCW Group

Chief Credit Risk Officer

Carol Stream, IL

Chief Credit Risk Officer (CCRO) A privately owned bank is seeking a Chief Credit Risk Officer to lead its credit and risk function. This is a hands-on role combining credit leadership with active ...

Frost Bank

Senior Credit Risk Officer

Austin, TX · On-site

If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...

Frost Bank

Senior Credit Risk Officer

San Antonio, TX · On-site

If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...

Frost Bank

Senior Credit Risk Officer

Dallas, TX · On-site

If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...

Frost Bank

Senior Credit Risk Officer

Dallas, TX · On-site

If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...

Platinum Bank

VP - Credit Officer

Saint Paul, MN

Credit Risk Officer The Credit Risk Officer provides analysis and evaluation regarding the credit risk of large and/or complex commercial relationships. This person is responsible for aiding in ...

Cross River

Chief Credit Risk Officer

Fort Lee, NJ · On-site

Reporting to the Chief Risk and Compliance Officer, this leader will be responsible for enhancing and maintaining the credit risk framework, setting risk appetite, and ensuring sound credit decision ...

Cross River

Chief Credit Risk Officer

Fort Lee, NJ · On-site

Reporting to the Chief Risk and Compliance Officer, this leader will be responsible for enhancing and maintaining the credit risk framework, setting risk appetite, and ensuring sound credit decision ...

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Credit Risk Officer information

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$76.5K

$134.9K

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How much do credit risk officer jobs pay per year?

As of Jun 17, 2026, the average yearly pay for credit risk officer in the United States is $134,851.00, according to ZipRecruiter salary data. Most workers in this role earn between $109,000.00 and $154,000.00 per year, depending on experience, location, and employer.

What is a Credit Risk Officer job?

A Credit Risk Officer is responsible for assessing and managing the potential risks associated with lending and credit decisions. They analyze financial data, review credit applications, and develop risk mitigation strategies to minimize losses for their organization. Their role involves setting credit policies, monitoring portfolio performance, and ensuring compliance with regulatory requirements. By evaluating creditworthiness, they help financial institutions make informed lending decisions while maintaining a balanced risk-reward approach.

What does a credit risk officer do?

A credit risk officer evaluates the creditworthiness of individuals or businesses to determine the risk of default on loans or credit agreements. They analyze financial statements, credit reports, and market data, often using risk assessment tools and models, to make informed lending decisions and develop risk mitigation strategies.

What are the main challenges a Credit Risk Officer typically faces in their daily work?

Credit Risk Officers often encounter the challenge of balancing thorough risk analysis with the need for timely decision-making in a fast-paced environment. They must interpret complex financial data and market trends to make accurate credit assessments while complying with evolving regulatory requirements. Additionally, they may need to communicate difficult lending decisions to clients and collaborate closely with relationship managers and other departments. Successfully managing these challenges requires a combination of technical knowledge, sound judgment, and strong interpersonal skills, making the role both dynamic and rewarding.

What are the key skills and qualifications needed to thrive in the Credit Risk Officer position, and why are they important?

To thrive as a Credit Risk Officer, you need a strong understanding of credit analysis, financial statement evaluation, and risk assessment, typically supported by a degree in finance, economics, or a related field. Familiarity with risk management software, financial modeling tools, and credit rating systems is crucial, and certifications such as FRM or CFA can be beneficial. Strong analytical thinking, attention to detail, and clear communication skills help you effectively assess creditworthiness and explain decisions to stakeholders. These skills are essential for identifying potential risk exposures and making informed lending decisions that protect the organization’s financial interests.

What is a risk officer's salary?

A Credit Risk Officer's salary typically ranges from $60,000 to $120,000 annually, depending on experience, location, and the size of the organization. Senior roles or those with specialized skills and certifications may earn higher compensation, often including bonuses and benefits.

Is it hard to become a credit officer?

Becoming a credit risk officer typically requires a bachelor's degree in finance, accounting, or a related field, along with relevant experience in credit analysis or risk management. Strong analytical skills, attention to detail, and knowledge of financial software are important, and some roles may require professional certifications such as the CFA or credit-specific credentials.

What is the salary of credit risk officer?

The average salary of a Credit Risk Officer varies depending on experience and location but typically ranges from $70,000 to $120,000 annually. At firms like JPMorgan Chase, entry-level positions may start around $70,000, with experienced officers earning higher salaries and additional bonuses based on performance and qualifications.
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Credit Risk Officer jobs near you
Infographic showing various Credit Risk Officer job openings in the United States as of June 2026, with employment types broken down into 83% Full Time, 16% Part Time, and 1% Temporary. Highlights an 98% Physical, and 2% Remote job distribution, with an average salary of $134,851 per year, or $64.8 per hour.

Credit Risk Officer

FARMERS BANK & TRUST COMPANY OF MAGNOLIA

Little Rock, AR • On-site

Other

Posted 2 days ago

Job description

GENERAL DESCRIPTION OF POSITION
The Credit Risk Officer is responsible for providing independent, second-line oversight of credit risk across the Bank, with particular emphasis on Commercial Real Estate (CRE) and other material lending portfolios. The role supports safe and sound banking practices by identifying emerging credit risks, monitoring trends relative to Board-approved risk appetite, and ensuring that enhanced credit monitoring frameworks operate effectively. The Credit Risk Manager serves as a key liaison between Credit Administration, Senior Management, and the Board on matters related to credit risk governance.

ESSENTIAL DUTIES AND RESPONSIBILITIES
Provide independent oversight of credit risk management practices across all lending portfolios. Monitor portfolio-level credit risk trends and concentrations against Board-approved risk appetite and policy limits. Support and enhance governance frameworks related to credit risk monitoring, escalation, and reporting consistent with the Bank’s credit risk governance model.

Oversee the Bank’s Enhanced CRE Credit Risk Monitoring framework, including quantitative and qualitative escalation triggers. Review CRE-specific metrics such as DSCR, LTV, refinance risk, concentration levels, property-type performance, and market conditions. Identify emerging CRE risks and assess potential impacts on capital, earnings, and liquidity.

Independently review Watch List trends, migration patterns, and risk-grade accuracy. Ensure Watch List credits are supported by documented action plans with timelines and accountability. Provide effective challenge to credit risk ratings, assumptions, and remediation strategies.

Prepare and present credit risk reporting for Senior Management and the Board, emphasizing forward-looking risk trends. Support Asset Quality Committee and ALCO discussions by providing an independent risk perspective on credit-related matters.

Assist in maintaining credit risk-related policies, limits, and enhanced monitoring appendices. Monitor adherence to credit risk appetite limits and support escalation processes. Coordinate with Finance and Risk teams to ensure alignment with ACL/CECL qualitative factors and capital planning.

Serve as a subject matter resource during regulatory examinations related to credit risk governance, CRE concentrations, and enhanced monitoring practices. Support management responses to internal audit, external audit and regulatory examination deficiencies. Maintain documentation demonstrating effective independent credit risk oversight.

SUPERVISORY RESPONSIBILITIES
RESPONSIBILITIES FOR WORK OF OTHERS
Supervises a SMALL GROUP (1-3) of employees in the SAME or LOWER CLASSIFICATION. Assigns and checks work; assists and instructs as required, but performs same work as those supervised, or closely related work, most of the time. Content of the work supervised is of a non-technical nature and does not vary in complexity to any great degree.

EDUCATION AND EXPERIENCE
Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four-year college degree.

EXPERIENCE GENERAL
5 years related experience and/or training.

EXPERIENCE MANAGEMENT
2 years related management experience.

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