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Credit Risk Officer Jobs in Pennsylvania (NOW HIRING)

Northwest

CRE Portfolio Manager II or III

Erie, PA · On-site +1

$61K - $110K/yr

Analyses to include an independent credit quality assessment with well-supported risk rating ... Officer/Underwriter working with moderate to complex loans and documentation preferred Or

Northwest

Portfolio Manager II or III

Erie, PA · On-site +1

$61K - $110K/yr

Analyses to include an independent credit quality assessment with well-supported risk rating ... Officer/Underwriter working with moderate to complex loans and documentation preferred Or

Northwest

CRE Portfolio Manager II or III

Pittsburgh, PA · On-site +1

$61K - $110K/yr

Analyses to include an independent credit quality assessment with well-supported risk rating ... Officer/Underwriter working with moderate to complex loans and documentation preferred Or

Northwest

Portfolio Manager II or III

Pittsburgh, PA · On-site +1

$61K - $110K/yr

Analyses to include an independent credit quality assessment with well-supported risk rating ... Officer/Underwriter working with moderate to complex loans and documentation preferred Or

Northwest

Portfolio Manager II or III

State College, PA · On-site +1

$61K - $110K/yr

Analyses to include an independent credit quality assessment with well-supported risk rating ... Officer/Underwriter working with moderate to complex loans and documentation preferred Or

S and T Bank

Secured Credit Officer I

Indiana, PA · On-site

Reviews wire forms as a second layer of risk management to ensure beneficiaries of the wires are ... Credit Officer. Participates in joint phone calls, Teams meetings or on-site visits with the ...

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Credit Risk Officer information

See Pennsylvania salary details

$76.7K

$135.2K

$211K

How much do credit risk officer jobs pay per year?

As of Sep 7, 2026, the average yearly pay for credit risk officer in Pennsylvania is $135,175.00, according to ZipRecruiter salary data. Most workers in this role earn between $109,300.00 and $154,400.00 per year, depending on experience, location, and employer.

What is a credit risk officer?

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 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.

Is it hard to become a credit risk 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, knowledge of financial statements, and familiarity with risk assessment tools are important, and some roles may require professional certifications like CFA or FRM. The difficulty varies depending on the industry, company, and individual qualifications, but it generally involves gaining experience and developing specialized skills.

What are popular job titles related to Credit Risk Officer jobs in Pennsylvania?

For Credit Risk Officer jobs in Pennsylvania, the most frequently searched job titles are:

What job categories do people searching Credit Risk Officer jobs in Pennsylvania look for?

The top searched job categories for Credit Risk Officer jobs in Pennsylvania are:

What are popular job titles related to Credit Risk Officer jobs in PA?

For Credit Risk Officer jobs in PA, the most frequently searched job titles are:

Credit Risk Officer jobs near you
Infographic showing various Credit Risk Officer job openings in Pennsylvania as of August 2026, with employment types broken down into 79% Full Time, and 21% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $135,175 per year, or $65 per hour.

CRE Portfolio Manager II or III

Northwest

Erie, PA • On-site, Remote

$61K - $110K/yr

Full-time

Re-posted 21 days ago

Key responsibilities

  • Monitor credit performance of individual commercial borrowers and ensure timely escalation or remediation as needed.

  • Report on commercial portfolio monitoring activities, including financial statement collection, covenant testing, collateral valuation, and delinquencies, in accordance with credit policies and regulations.

  • Engage with customers to discuss operating performance, understand their business models, and evaluate sources of repayment to assign risk ratings.

Job description

IN0534 Fishers, NY0705 NY Region Business Office, OH0523 Independence Bus Office, OH0713 NW Bancshares HQ, PA0220 Erie - 8th & State, PA0258 Bellevue, PA0725 State College Business Office

Job Description

Overview

The Commercial Portfolio Manager is responsible for the ongoing monitoring process for the Bank's commercial loans to ensure timely and accurate risk ratings and compliance with credit policy, loan agreements, and applicable banking regulations. This individual contributor position interacts closely with and supports Commercial Banking Relationship Managers, as well as other internal personnel, on commercial credit portfolio monitoring working under limited supervision. Construction Loan experience is desirable.

Portfolio Manager II or III will be determined based on the candidates knowledge and experience.

Essential Functions

  • Monitor credit performance of individual commercial borrowers ensuring timely escalation or remediation, as appropriate.

  • Responsible for the timeliness and accurate reporting of the commercial portfolio monitoring activities and adherence to credit policies, procedures and thresholds related to financial statement collection, covenant testing, collateral valuation, annual reviews, and delinquencies. Evaluation of risk associated with non-compliance.

  • Engage with customers, regularly, to discuss operating performance and business results including covenant compliance. Gain a thorough understanding of the borrowers' business model and industry trends in order to effectively evaluate sources of repayment and accurately assign risk rating.

  • Collect and review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information.

  • Spread financial statements and prepare financial models designed to assess probability of default and loss given default. Document historic and proforma cash flows, covenant calculations, sensitivity analysis, guarantor statement review, and collateral valuation as appropriate.

  • Analyze financial information and related materials to ensure prudent ongoing credit monitoring for the Bank's commercial loan portfolio. Analyses to include an independent credit quality assessment with well-supported risk rating rationale, identification of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues. Identify emerging risks or material changes in customers financial position, including evaluation of compliance with loan agreements.

  • Assist in completion of annual reviews, renewals, interim update memos, covenant calculations and criticized asset reviews. Monitor early warning indicators and other forms of credit surveillance.

  • Present analysis or address questions during credit discussions or presentations.

  • Liaison between Commercial Banking Relationship Managers, Credit Risk, the Underwriting Team and Special Assets to ensure necessary credit approvals are obtained and appropriately documented and loan operating system reflects accurate commercial loan data.

  • Document and track key risk indicators associated with monitoring and control procedures and any applicable thresholds.

  • Ensure compliance with Northwest's policies and procedures, and Federal/State regulations

  • Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency

  • Work as part of a team

  • Work with on-site equipment

Qualifications

  • Bachelor's Degree Accounting, Finance, Economics, or related discipline preferred

  • Relevant experience in Commercial Lending as a Portfolio Manager, Relationship Manager and/or Credit Officer/Underwriter working with moderate to complex loans and documentation preferred Or

  • Experience in Commercial Credit or public accounting preferred

  • Ability to perform financial analysis, assess risk, review documentation, coordinate loan closings and administer construction loans, Extensive

  • Strong analytical, organizational and critical thinking skills, Extensive

  • Team-oriented with ability to monitor and manage multiple responsibilities simultaneously, Extensive

  • Credit risk analysis including assessment of financial statements, collateral valuation, industry review, and risk rating assignments, Extensive

Travel Requirements

  • As Needed for training and occasional team meetings

This position is performed onsite Monday - Thursday with Fridays an optional remote day.

The pay range for this position is generally $61,500 - $110,000 annually. Actual pay is based on various factors including but not limited to the successful candidate's experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available.

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Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

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