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Credit Risk Specialist Jobs (NOW HIRING)

TIB The Independent BankersBank, N.A

$60 - $80/hr

If this aligns with your values and you want to join a leader in the banking industry, we are hiring for a part-time, remote Senior Credit Risk Specialist that works with financial institution ...

Huntington

The Specialist partners closely with Risk, Credit, Product, Operations, and Technology teams to ensure portfolio strategies align with regulatory expectations, company risk appetite, and business ...

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Credit Risk Specialist information

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$42K

$124K

$190.5K

How much do credit risk specialist jobs pay per year?

As of Sep 8, 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 some common challenges faced by a credit risk specialist 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 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 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.

What does a credit risk specialist do?

A credit risk specialist evaluates the creditworthiness of individuals or businesses to determine the likelihood of default on loans or credit agreements. They analyze financial data, review credit reports, and use risk assessment tools to help financial institutions make informed lending decisions and manage potential losses.
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What states have the most Credit Risk Specialist jobs?

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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 September 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $124,006 per year, or $59.6 per hour.

Credit Risk Specialist

SUMITOMO MITSUI TRUST BANK, LIMITED

Manhattan, NY • Hybrid

$95K - $105K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 20 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.


This role is for 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 Investor Services and Business Solution Department (“ISB”) is responsible for (i) distribution, agency services, and developing new business opportunities for syndicated loan transactions and (ii) developing and executing business and operation plans and managing day-to-day operations and administrative matters in GBU.


Your Role Overview:

Associate position has two main roles as below.


Syndication (Origination and Distribution):

Responsible for support, coordination, execution and assisting all phases of the loan syndication process including origination, distribution, and execution of syndicated loan financings with a focus on financing mandates in GBU. Collaborates with other departments for loan origination, distribution, and execution to secure financing mandates from investors.


Agency: 

Responsible for deal processing, internal control, agency function and regulatory compliance.


Your Duties and Responsibilities:

Syndication (Origination and Distribution):

  1. Continuously monitors market trends to identify active participants, prevailing market terms and pricing, market depth, and other factors influencing lending and underwriting decisions.
  2. Supports and assists clients on market status, optimal structures, and syndication strategies for best execution in the syndicated loan capital markets.
  3. Collaborates with other departments to develop market-based structures and innovative capital raising solutions.
  4. Builds and maintains relationships with other banks and non-bank institutions to gather market intelligence during the origination process and assesses market capacity during syndication.
  5. Works closely with other departments to originate syndicated loan mandates and execute transactions once mandated.
  6. Collaborate with the Distribution and Agency team and assists originators in managing deal teams during new deal origination and execution.
  7. Performs other duties and responsibilities as assigned by management.


Agency:

  1. Executes and perform necessary agent functions, including communicating with customers and other lenders for loan servicing and distribution of documents.
  2. Acts as primary point of contact with external borrowers and/or lenders in relation to loan agency & administration function.
  3. Performs business review of credit documentation, regulatory compliance review and booking of new investments and for amendments or periodic review. 
  4. Ensures compliance and operational requirements are satisfied before closing and for amendments.
  5. Coordinates with internal and third parties to effect bookings, amendments and funding.
  6. Supports Credit Analysts with Branch and Head Office monitoring and reporting requirements.
  7. Tracks credit documentation and other customer reporting requirements for timely receipt.
  8. Maintains related systems, reports, credit files and websites as well as assigns application numbers and records approvals.
  9. Performs other duties and responsibilities as assigned by management.
Your Qualifications:
  1. Bachelor’s degree in finance, Economics or related field with internship up to 5 years of related experience.
  2. 2+ years of Loan Agency and Administration preferred.
  3. General knowledge of banking principles and/or loan markets.
  4. Excellent organization skills and detail oriented.
  5. Good interpersonal skills for team-oriented environment.
  6. Advanced in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access).
  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