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$42K

$124K

$190.5K

How much do credit risk specialist jobs pay per year?

As of May 30, 2026, the average yearly pay for credit risk specialist in the United States is $124,006.00, according to ZipRecruiter salary data. Most workers in this role earn between $103,000.00 and $137,500.00 per year, depending on experience, location, and employer.

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

To thrive as a Credit Risk Specialist, you need a solid background in finance, accounting, and risk analysis, often supported by a bachelor’s degree in finance or a related field. Proficiency with financial modeling tools, risk assessment software, and familiarity with regulatory frameworks such as Basel accords are typically required. Strong analytical thinking, attention to detail, and effective communication skills help distinguish top performers in this field. These competencies are vital for accurately evaluating creditworthiness, managing risk exposure, and supporting sound lending decisions within financial institutions.

What are some common challenges faced by Credit Risk Specialists when assessing new clients or portfolios?

Credit Risk Specialists often encounter challenges such as incomplete or inconsistent financial information, rapidly changing market conditions, and the need to balance risk with business growth objectives. They must use a combination of quantitative analysis and professional judgment to evaluate creditworthiness, often under tight deadlines. Collaboration with sales, relationship managers, and legal teams is essential to gather all necessary data and ensure compliance with internal risk policies.

What does a Credit Risk Specialist do?

A Credit Risk Specialist is responsible for assessing the creditworthiness of individuals or businesses applying for loans or credit. They analyze financial statements, credit reports, and economic data to evaluate the likelihood of repayment and determine the level of risk involved. Based on their findings, they may recommend approval, denial, or changes to credit terms to minimize potential losses for their organization. Their work is critical in helping financial institutions maintain a healthy loan portfolio and comply with regulatory requirements.

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

AspectCredit Risk SpecialistCredit Analyst
Required CredentialsBachelor's degree, certifications like CFA or credit risk certificationsBachelor's degree, often similar certifications
Work EnvironmentFinancial institutions, banks, credit agenciesBanks, lending companies, financial services
Employer & Industry UsageFocuses on assessing and managing credit riskFocuses on evaluating creditworthiness of borrowers

Both roles involve analyzing financial data and assessing creditworthiness, but Credit Risk Specialists primarily focus on managing and mitigating overall credit risk for institutions, while Credit Analysts evaluate individual credit applications. They often work together but serve different strategic functions within financial organizations.

Who are the top companies hiring for Credit Risk Specialist jobs? The top employers for Credit Risk Specialist jobs are:
What states have the most Credit Risk Specialist jobs? States with the most job openings for Credit Risk Specialist jobs include:
What are popular job titles related to Credit Risk Specialist jobs? For Credit Risk Specialist jobs, the most frequently searched job titles are:
Credit Risk Specialist jobs near you
Infographic showing various Credit Risk Specialist job openings in the United States as of May 2026, with employment types broken down into 86% Full Time, 11% Part Time, and 3% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $124,006 per year, or $59.6 per hour.
Credit Risk Specialist

Credit Risk Specialist

SUMITOMO MITSUI TRUST BANK, LIMITED

Manhattan, NY • Hybrid

$95K - $105K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 9 days ago

Job description

This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week.


Depending on experience this role is for Officer or Assistant Officer level candidates.

About the Bank

Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches.
Department Overview

The Americas Division (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. The Specialty Finance Department (“SFD”) is responsible for originating, booking and monitoring credit facilities for both bilateral and syndicated loan transactions. SFD focuses on building and monitoring portfolio assets in 3 main product areas: Project Finance, Trade and Commodity Finance and Aviation.


Your Role Overview:

Responsible for credit evaluation and deal maintenance for Trade & Commodity Finance and Aviation. The analyst would be involved in all facets of this team’s coverage, with a focus on underwriting and monitoring activities, with exposure to origination and structuring activities.

Your Duties and Responsibilities

  1. Reviews potential assets in assigned products/industries, prepares detailed credit memos and credit applications and makes investment recommendations, based upon a comprehensive financial and qualitative analysis.
  2. Ensures compliance with applicable investment guidelines and directives from Head Office and Branch Management.
  3. Monitors assigned assets/products/industries to maintain credit quality through asset/product/industry appropriate measures, i.e., financial analysis and trends, cross-sectional analysis, cashflow analysis and market value/liquidity.
  4. Prepares all applications and reports and makes recommendations on all amendments, refinancings and other ongoing activities.
  5. Responsible for all Head Office and Branch monitoring and reporting requirements, including rating review, business review of documentation, regulatory review, booking and financial and portfolio review requirements, with support from Operations Analyst as designated.
  6. May support deal structuring activities.
  7. Performs other duties and responsibilities as assigned by management.
Your Qualifications:
  1. Bachelor’s degree in Finance or Economics or equivalent with 0-2 years related experience.
  2. Good knowledge of finance and basic accounting.
  3. Good knowledge of commonly used research resources, including Bloomberg, EDGAR, and rating agencies.
  4. Basic knowledge of corporate finance transactions.
  5. Basic knowledge of loan markets.
  6. Proficient in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access) and some modeling capabilities.
  7. Excellent oral and written communication skills.



Why you should join SuMi Trust:SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion.
  • The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance.
  • We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals.

Check out our LinkedIn for our employee experience: https://www.linkedin.com/company/smtbny

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application