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Credit Risk Reviewer Jobs in Utah (NOW HIRING)

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site

Review loans on an individual and aggregate portfolio basis to determine potential risks, adherence ... Credit risk experience in a consumer or healthcare financing, fintech, bank or other financial ...

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site +1

Review loans on an individual and aggregate portfolio basis to determine potential risks, adherence ... Credit risk experience in a consumer or healthcare financing, fintech, bank or other financial ...

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Credit Risk Reviewer information

What does a Credit Risk Reviewer do?

A Credit Risk Reviewer is responsible for assessing and evaluating the credit risk associated with lending decisions at financial institutions. They analyze loan portfolios, review credit policies, and ensure compliance with internal and regulatory standards. By identifying potential risks and weaknesses in lending practices, they help organizations minimize losses and maintain healthy credit quality. Their work often involves preparing detailed reports and recommending improvements to credit processes and controls.

How does a Credit Risk Reviewer typically collaborate with other departments to ensure accurate risk assessments?

Credit Risk Reviewers work closely with teams such as loan origination, underwriting, and compliance to gather comprehensive information about borrowers and lending practices. They often participate in cross-departmental meetings to discuss findings, identify trends in credit quality, and recommend improvements to credit policies. Effective collaboration ensures that risk assessments are thorough and align with regulatory standards, ultimately helping the organization make informed lending decisions. This collaborative environment also provides opportunities to learn from other specialties and expand one's expertise within the financial institution.

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

To thrive as a Credit Risk Reviewer, you need a strong background in finance, accounting, and risk assessment, typically supported by a bachelor’s degree in a related field. Familiarity with credit analysis tools, risk rating systems, and regulatory compliance frameworks such as Basel II/III is important, as well as proficiency in Excel and financial modeling software. Attention to detail, analytical thinking, and effective communication are crucial soft skills for evaluating creditworthiness and presenting findings. These skills ensure accurate risk assessments, regulatory adherence, and sound decision-making to protect an organization’s financial health.

What is the difference between Credit Risk Reviewer vs Credit Analyst?

AspectCredit Risk ReviewerCredit Analyst
Required CredentialsBachelor's degree, certifications like CFA or credit-specific trainingBachelor's degree, often similar certifications or coursework in finance or economics
Work EnvironmentReviewing credit files, assessing risk, and ensuring complianceAnalyzing financial data, preparing credit reports, and making lending recommendations
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending institutions, corporate finance departments

Both roles involve assessing creditworthiness, but Credit Risk Reviewers focus on evaluating existing credit files for risk and compliance, while Credit Analysts analyze financial data to recommend new credit approvals. They often work together within financial institutions to manage credit portfolios effectively.

What are popular job titles related to Credit Risk Reviewer jobs in Utah? For Credit Risk Reviewer jobs in Utah, the most frequently searched job titles are:
What job categories do people searching Credit Risk Reviewer jobs in Utah look for? The top searched job categories for Credit Risk Reviewer jobs in Utah are:
What cities in Utah are hiring for Credit Risk Reviewer jobs? Cities in Utah with the most Credit Risk Reviewer job openings:
Credit Risk Reviewer jobs near you
Infographic showing various Credit Risk Reviewer job openings in Utah as of June 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution.
Credit Risk Analyst

Credit Risk Analyst

UnitedHealth Group

Draper, UT • On-site

Full-time

Retirement

Posted 6 days ago

UnitedHealth Group rating

7.6

Company rating: 7.6 out of 10

Based on 141 frontline employees who took The Breakroom Quiz

187th of 873 rated healthcare providers

Job description

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together.
The Optum Bank Credit Risk Analyst will be responsible for assessing the credit risks that arise from the Bank's lending and investing activities. The Analyst will work with broader Risk Group as well as Credit professionals to assess the credit and financial strength of the Bank's borrowers and counterparts by performing fundamental credit analysis, using both quantitative and qualitative factors, and provide recommendation for loan transactions, determine appetite and risk ratings, and monitor credit trends in the portfolio. This role supports the broader risk governance frameworks, regulatory compliance, and strategic decision-making through quantitative analysis and reporting.
The Risk Management function is dedicated to safeguarding the bank's assets and ensuring operational stability. The department develops and implements the risk framework, policies, standards, and procedures aligned with the bank's strategic goals.
NOTE: Qualified candidates must live in the Draper UT / Salt Lake City UT regional area to be considered (office-based position, not open to remote work)
Primary Responsibilities:
  • Actively engage with Bank's lending and investing stakeholders to review and assess potential credit risks associated with lending portfolios, products, processes, and strategies
  • Perform ongoing assessment of the credit and financial strength of the commercial and consumer counterparts by performing fundamental credit analysis of counterparties using internal rating methodologies
  • Review loans on an individual and aggregate portfolio basis to determine potential risks, adherence to policy and procedures, and accuracy of risk ratings
  • Present findings and recommendations to senior leadership and answer questions relating to analysis performed and escalate issues to senior management
  • Assist in updating, implementing and maintaining credit risk rating methodologies
  • Support senior leadership in partnering with broader business units to assess data availability, data sufficiency, and reporting needs for credit risk assessment
  • Perform broader sector analysis in order to assess industry fundamentals and portfolio trends
  • Conduct scenario analysis and sensitivity testing to quantify potential losses
  • Generate report with early warning indicators then review, assess and propose rating action recommendation to senior leadership
  • Support internal audits and regulatory exams
  • Assist with development and enhancement of risk policies and underwriting standards
  • Partner with underwriting, finance, and product teams to assess new products and strategies

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.
Required Qualifications:
  • Bachelor's degree in Finance, Accounting, Economics, Statistics, Engineering or related field
  • 2+ years of consumer credit risk management or underwriting experience
  • 2+ years of experience with SQL, Python, R, or SAS
  • Must live in or willing to relocate to the Draper UT / Salt Lake City UT Regional Area - this position is onsite at the office location in Draper UT and not open to remote work

Preferred Qualifications:
  • Credit risk experience in a consumer or healthcare financing, fintech, bank or other financial institution
  • Knowledge of credit life cycle (origination, portfolio management, collection), loan loss provisioning, and advance credit risk analytics
  • Advanced proficiency in Microsoft Office PowerPoint (creating and executing presentations), and Excel (Financial Spreading, Pivot Tables, VLOOKUP, Advanced Formulas, Formatting, etc.)
  • Proven ability to clearly communicate verbally and in writing
  • Proven ability to translate complex risk concepts into clear business insights
  • Proven attention to detail and strong problem-solving skills
  • Proven excellent interpersonal skills, including the ability to lead and collaborate with multiple teams
  • Proven ability to scope and lead a risk assessment or project from start to end and present results to stakeholders and senior leaders
  • Proven solid project management / organizational skills and the ability to manage multiple assignments concurrently across various stakeholders
  • Proven exposure to loan purchase programs, securitization, or warehouse lending
  • Proven background in model validation, governance, or audit support

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $60,200 - $107,400 annually based on full-time employment. We comply with all minimum wage laws as applicable.
At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.
UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.
UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.

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