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Credit Risk Officer Jobs in Texas (NOW HIRING)

Texascapitalbank

Credit Officer

Austin, TX

Expert ability to analyze and evaluate credit risk, with expert ability to escalate recommendations and influence change * Expert ability to interact, negotiate, and influence at executive levels ...

Texas Capital Bank

Credit Officer

San Antonio, TX · On-site

Expert ability to analyze and evaluate credit risk, with expert ability to escalate recommendations and influence change * Expert ability to interact, negotiate, and influence at executive levels ...

Texascapitalbank

Credit Officer

San Antonio, TX · On-site

Expert ability to analyze and evaluate credit risk, with expert ability to escalate recommendations and influence change * Expert ability to interact, negotiate, and influence at executive levels ...

Texascapitalbank

Credit Review Officer

Dallas, TX · On-site

To provide for independence, Credit Review reports functionally to the Risk Committee of the Board of Directors and administratively to the Chief Risk Officer. Responsibilities * Manage and execute ...

Texas Capital Bank

Credit Review Officer

Dallas, TX · On-site

To provide for independence, Credit Review reports functionally to the Risk Committee of the Board of Directors and administratively to the Chief Risk Officer. Responsibilities * Manage and execute ...

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Credit Risk Officer information

See Texas salary details

$71.3K

$125.6K

$196.1K

How much do credit risk officer jobs pay per year?

As of Jul 17, 2026, the average yearly pay for credit risk officer in Texas is $125,635.00, according to ZipRecruiter salary data. Most workers in this role earn between $101,600.00 and $143,500.00 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 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 are the most commonly searched types of Credit Risk Officer jobs in Texas? The most popular types of Credit Risk Officer jobs in Texas are:
What are popular job titles related to Credit Risk Officer jobs in Texas? For Credit Risk Officer jobs in Texas, the most frequently searched job titles are:
What job categories do people searching Credit Risk Officer jobs in Texas look for? The top searched job categories for Credit Risk Officer jobs in Texas are:
What cities in Texas are hiring for Credit Risk Officer jobs? Cities in Texas with the most Credit Risk Officer job openings:
What are popular job titles related to Credit Risk Officer jobs in TX? For Credit Risk Officer jobs in TX, the most frequently searched job titles are:
Credit Risk Officer jobs near you
Infographic showing various Credit Risk Officer job openings in Texas as of July 2026, with employment types broken down into 84% Full Time, 15% Part Time, and 1% Nights. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $125,635 per year, or $60.4 per hour.
Risk Management - Commercial & Investment Bank - Vice President

Risk Management - Commercial & Investment Bank - Vice President

JPMorgan Chase & Co.

Houston, TX • On-site

$123K - $230K/yr

Full-time

Medical, Retirement

Posted 2 days ago

New

JPMorgan Chase & Co. rating

8.0

Company rating: 8.0 out of 10

Based on 491 frontline employees who took The Breakroom Quiz

58th of 149 rated banks

Job description


Bring your Expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.
Job Summary
As a Global Commodities Credit Risk - Vice President within the Commercial & Investment Bank, you specialize in product-specific credit risks and help protect the firm across a dynamic global portfolio. You assess the risk of structured commodities products and transactions, negotiate related documentation, and partner with credit officers across all lines of business and industries to provide input on product structure, documentation, limit management, and market convention. You contribute to new business initiatives, lead periodic portfolio risk reviews, and analyze commodity market and credit risk data at both the client and portfolio level to deliver actionable insights that support senior management decision-making. You also help develop junior talent to strengthen the performance of the broader team.
Job Responsibilities
  • Leads credit risk due diligence on new commodity transactions and counterparties, with particular focus on structured or physical commodities transactions, and performs industry, business, and financial analysis to assess creditworthiness and recommend appropriate credit exposure and structure
  • Applies strong analytical, modeling, and problem-solving skills to understand risks and exposures
  • Negotiates credit terms in master trading agreements and structured transactions, including lien-based structures and other commodity financing structures
  • Assists other credit officers with credit due diligence, structuring, and document negotiation by sharing product risk expertise
  • Supports the Global Commodities Group on ad hoc projects related to new business initiatives, change management, policy, procedure, product control, regulatory relations, and business management
  • Prepares and presents periodic commodities risk reviews to senior management, detailing exposure metrics across the global commodities portfolio and analyzing key trends, drivers, and concentrations
  • Performs ongoing customer due diligence and financial analysis for a portfolio of commodity-only counterparties, including preparation of credit approval memos and customer reviews, management of exposure excesses, and maintenance of accurate, current credit ratings
  • Identifies deteriorating credits early and proactively manages problem situations
  • Provides oversight and guidance on the work of junior team members to ensure the quality of various credit processes
  • Maintains active working relationships with structuring, sales, trading, and origination teams and supports their continuing education on credit risk management, systems, and procedures
  • Partners with bank examiners and internal credit reviewers to validate credit quality and the integrity of the credit process

Required Qualifications, Capabilities, and Skills
  • Bachelor's degree
  • 6+ years of professional work experience in credit/ counterparty risks, commodities, and/or derivative products
  • Strong credit analysis and financial modeling skills
  • Experience working with and negotiating master trading agreements typical of the energy trading industry, including the International Swaps & Derivative Association (ISDA), North American Energy Standards Board (NAESB), and European Federation of Energy Traders (EFET), now Energy Trader Europe, agreements
  • Exceptional analytical aptitude and ability to think abstractly and project various "what-if" scenarios
  • Strong data analysis and presentation skills
  • Strong organizational skills, attention to detail, and an excellent work ethic
  • Ability to perform well under pressure in a demanding environment while managing multiple tasks simultaneously
  • Ability to work independently and collaboratively within a team environment
  • Proficiency in Microsoft Office Suite, especially Excel, PowerPoint, and Word

Preferred Qualifications, Capabilities, and Skills
  • Understanding of or experience in covering a variety of energy and commodity trading companies
  • Experience in data analysis and visualization using programming languages such as Python
  • Completion of a commercial/investment bank credit training program or equivalent experience, with a thorough understanding of bank credit policies and procedures
  • Understanding of front office processes and the ability to balance credit risk management with commercial requirements

About Us
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
About the Team
J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

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