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Credit Risk Officer Jobs in Texas (NOW HIRING)

Hilltop Holdings

Regional Credit Officer

Houston, TX · On-site

The Regional Credit Officer executes credit risk management strategies and policies for an assigned geographic region, ensuring credit quality, sound deal structures, and compliance with bank policy.

US Bank

Impact Finance Officer

Irving, TX · On-site

Credit Strategy is a dynamic team within Credit Risk Management focused on optimizing the ... Industry Credit Risk Management - IF Officer is responsible for portfolio management of the bank ...

Hilltop Holdings

Regional Credit Officer

Houston, TX · On-site

The Regional Credit Officer executes credit risk management strategies and policies for an assigned geographic region, ensuring credit quality, sound deal structures, and compliance with bank policy.

Third Coast Bank

Regional Credit Officer

Austin, TX · On-site

$120 - $160/hr

Regional Credit Officer Full Time Sr. Mgrs/Directors Austin, TX, US 5 days ago Requisition ID: 1467 ... Key Responsibilities Credit Leadership & Risk Management * Exercise delegated approval authority in ...

US Bank

Credit Policy Manager

Irving, TX · On-site

This individual is a key credit risk leader and partners with the Executive Credit Officers and the business units. The leader must have strong knowledge of credit policy, underwriting practices and ...

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Credit Risk Officer information

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$71.3K

$125.6K

$196.1K

How much do credit risk officer jobs pay per year?

As of Aug 14, 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?

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 August 2026, with employment types broken down into 1% As Needed, 89% Full Time, 8% Part Time, and 2% Contract. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution, with an average salary of $125,635 per year, or $60.4 per hour.

Risk Management - Lead Credit Officer - Vice President

JP Morgan Chase

Plano, TX

Full-time

Medical, Retirement

Re-posted 21 days ago

JPMorgan Chase & Co. rating

8.0

Company rating: 8.0 out of 10

Based on 494 frontline employees who took The Breakroom Quiz

71st of 171 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. 

As a Vice President on the Corporate & Investment Bank (CIB) Credit Risk Management team, you will be responsible for capital markets, lending activities, and related credit exposures. This team is organized by geography with teams aligned by industry. CIB Credit Risk Managers lead the client credit relationship in partnership with CIB Coverage. In addition, you will have responsibility for a portfolio of Asset Manager and Funds clients and will serve as the primary contact for those credit relationships, reporting to a senior credit risk executive.   

Job Responsibilities:

  • Perform client due diligence and financial analysis and summarize in written credit approval memos and reviews
  • Review and approve trading activity, including recommending margin requirements as well as structural enhancements
  • Provides credit expertise in structuring loan and derivative transactions
  • Set and communicate credit exposure appetite across trading products utilizing internal exposure methodologies
  • Oversee legal negotiations for traded products and traditional lending
  • Serve as principal contact for and partner with colleagues from Sales & Trading, Prime Brokerage, Investor Client Management, Treasury & Security Services, Legal, IB Coverage, Syndicated & Leveraged Finance, Debt Capital Markets, and Ratings Advisory
  • Assess creditworthiness of clients and assign appropriate credit ratings. 
  • Maintain updated credit research on a portfolio of clients
  • Lead group wide efficiency projects 
  • Remains current on all aspects of the credit relationship, including exposure, threshold management, compliance, potential problems and opportunities.
  • Leads credit due diligence for bank and bond executions in tandem with M&A transactions, LBOs, and portfolio refinancing

Required qualifications, capabilities, and skills 

  • A minimum of 6 years of Credit/Market risk experience is required 
  • Strong credit background and analytical skills - demonstrated ability to grasp accounting and corporate finance 
  • Solid familiarity with leveraged finance underwriting and credit agreements
  • Possesses a solid understanding of financial products and market dynamics
  • Strong interest in client interaction and possess outstanding verbal and written communication skills
  • Ability to perform well under pressure on teams in a demanding environment 
  • Candidates should be highly proficient in Excel, PowerPoint and Word 

Preferred qualifications, capabilities, and skills 

  • Knowledge of Asset Management, Financial Technology and FIG industries preferred
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

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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