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Credit Risk Specialist Jobs (NOW HIRING)

Summary The Lead Risk Specialist/Analyst is responsible for independently underwriting and managing ... Key Responsibilities Healthcare Credit Underwriting * Independently underwrite lease and loan ...

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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 Jun 22, 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 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 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 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 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 credit risk effectively.

Will AI replace credit analyst?

AI can automate certain tasks performed by credit analysts, such as data analysis and risk assessment, increasing efficiency. However, credit analysts' expertise in interpreting complex financial information, making judgment calls, and understanding client context remains essential, so AI is more likely to augment rather than fully replace their role.

What are the 5 C's of credit risk?

The 5 C's of credit risk—character, capacity, collateral, capital, and conditions—are criteria used by credit risk specialists to evaluate a borrower's creditworthiness. These factors help determine the likelihood of repayment and inform lending decisions. Understanding and assessing these elements are essential skills for a Credit Risk Specialist to manage credit exposure effectively.

What is the highest paying job in credit?

In credit-related roles, senior positions such as Chief Credit Officer or Credit Director tend to have the highest salaries, often exceeding six figures annually. These roles require extensive experience, strong analytical skills, and often involve overseeing credit risk management strategies for large 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:
Infographic showing various Credit Risk Specialist job openings in the United States as of June 2026, with employment types broken down into 2% As Needed, 84% Full Time, 12% Part Time, and 2% Contract. Highlights an 90% Physical, 3% Hybrid, and 7% Remote job distribution, with an average salary of $124,006 per year, or $59.6 per hour.
Credit Risk Advisor

Credit Risk Advisor

ProSidian Consulting, LLC

Washington, DC • On-site, Remote

Full-time

Medical, Dental, Vision, Retirement

Posted 11 days ago


Job description

Job Description: Company Description ProSidian is a Management and Operations Consulting Services firm that delivers value to clients through tailored solutions grounded in industry-leading practices. ProSidian provides enterprise services/solutions for Risk Management, Compliance, Business Process, IT Effectiveness, Engineering, Environmental, Sustainability, and Human Capital. We help forward-thinking clients solve problems and improve operations. Launched by Management Consultants, our multidisciplinary teams bring together the talents of global professionals to complete a wide range of engagements for public and private, defense and civilian government, and non-profit organizations. Our solution-centric services are deployed across the enterprise, target drivers of economic profit (growth, margin, and efficiency), and are aligned at the intersections of assets, processes, policies, and people delivering value. Learn More About ProSidian Consulting at www.ProSidian.com.Job Description ProSidian Seeks a Credit Risk Advisor | Project Finance & Credit Evaluation Support [DOE0061061] for Program Support on a Exempt 1099 Contract: No Overtime Pay Basis Remote (within USA - W/ On-Site Meetings Expected) in The CONUS - Located In Washington, DC / Nationwide (Remote Project Support Across the United States) Area Clearance Designation(s): STD Background Chk Contract Contingent, generally located across the CONUS - Located In Washington, DC / Nationwide (Remote Project Support Across the United States) Across The District of Columbia / Nationwide (Remote Project Support Across the United States) - Independent Engineering Advisory Services are typically performed remotely and at project sites nationwide. Region supporting a a department within the US Department of Energy [The Loan Programs Office (LPO)] that provides attractive debt financing for high-impact, large-scale energy infrastructure projects in the United States. The Credit Risk Advisor | Project Finance & Credit Evaluation Support [DOE0061061] is aligned with GSA Labor Category: Senior Consultant. We seek Credit Risk Advisor | Project Finance & Credit Evaluation Support [DOE0061061] candidates with relevant Energy Industry (Oil, And Gas/Power, And Utilities) Sector Experience (functional and technical area expertise also ideal) to support professional services engagement for Energy Industry (Oil, And Gas/Power, And Utilities) Sector Clients such as DOE. 0 JOB OVERVIEW Provide services and support as a Credit Risk Advisor [Independent Engineering (IE) Advisory Services] aligned with the Project Finance & Credit Evaluation Support Functional Area / Swim Lane / Category Discipline in the Energy Industry (Oil, And Gas/Power, And Utilities) Industry Sector focussing on RM | Risk Management Solutions for clients such as U.S. Department of Energy (DOE) | DOE Energy Dominance Financing (EDF) Program Generally Located In CONUS - Located In Washington, DC / Nationwide (Remote Project Support Across the United States) and across the District of Columbia / Nationwide (Remote Project Support Across the United States) - Independent Engineering Advisory Services are typically performed remotely and at project sites nationwide. Region (Of Country/World) Remote (within USA - W/ On-Site Meetings Expected). The Credit Risk Advisor Credit risk review tied to engineering, construction, and operating assumptions. Serves as a Credit Risk Advisor within the Project Finance & Credit Evaluation Support swim lane, delivering bankable, technically defensible Independent Engineering advisory services by converting discipline-specific engineering, construction, compliance, operating, commercial, and risk findings into lender-ready due diligence, monitoring, certification, and decision-support outputs. Serve as a Credit Risk Advisor - Project Finance & Credit Evaluation Support Specialist (Labor Category: Senior Consultant II) to provide Project Finance & Credit Evaluation Support Governance / Operations as part of an as part of an Independent Engineering (IE) Advisory Services | Energy Dominance Financing (EDF) Advisory / Technical Due Diligence / Credit Evaluation / Lifecycle Monitoring Team that provides Management and Financial Consulting, Acquisition and Grants Management Support, and Business Program and Project Management Services. This includes activities that address and Technical input to credit evaluations: Provides technical input to credit risk evaluation, loan conditions, performance covenants, and debt service support analysis. RESPONSIBILITIES AND DUTIES - Credit Risk Advisor | Project Finance & Credit Evaluation Support [DOE0061061] Provides Independent Engineering advisory support for Energy Dominance Financing (EDF) Program technical due diligence, credit evaluation, lifecycle monitoring, and assurance activities, with emphasis on credit risk, lender protections, debt-service viability, and project risk allocation. Reviews project documentation, evaluates technical and commercial interfaces, identifies risks and mitigations, validates assumptions, supports conditions precedent and disbursement readiness reviews where applicable, and prepares defensible work products including credit risk summaries, sensitivity analysis, covenant support, CP reviews, and financing recommendations. Coordinates with engineering, finance, legal, construction, operations, environmental, HSE, and project controls stakeholders to support timely lender and DOE decision-making. The role(s) are located in the District of Columbia / Nationwide (Remote Project Support Across the United States) - Independent Engineering Advisory Services are typically performed remotely and at project sites nationwide. Region, at or near CONUS - Located In Washington, DC / Nationwide (Remote Project Support Across the United States). Initially identified Work Site Address (Remote (within USA - W/ On-Site Meetings Expected): 1000 Independence Avenue SW, Washington, DC 20585Qualifications Desired Qualifications For Credit Risk Advisor | Project Finance & Credit Evaluation Support [DOE0061061] Candidates: 10+ years of relevant engineering, construction, operations, compliance, risk, finance, or energy infrastructure advisory experience; demonstrated work on oil and gas, power, utilities, or large-scale infrastructure projects for owners, lenders, independent engineers, or federal clients. Education / Experience Requirements / Qualifications Bachelor's degree in finance, economics, engineering, accounting, business, infrastructure finance, or related field. MBA, CFA, PMP, CPA, or project finance credentials preferred. 10+ years of relevant engineering, construction, operations, compliance, risk, finance, or energy infrastructure advisory experience; demonstrated work on oil and gas, power, utilities, or large-scale infrastructure projects for owners, lenders, independent engineers, or federal clients. Skills Required Primarily focused on Management and Financial Consulting, Acquisition and Grants Management Support, and Business Program and Project Management Services initiatives and aligned with Program Support activities Project Finance & Credit Evaluation Support Functional Area Activities. Independent engineering review; U.S. Department of Energy (DOE) Loan Programs Office (LPO) - Style documentation discipline; technical due diligence; risk assessment; credit risk, lender protections, debt-service viability, and project risk allocation; data room review; information request tracking; report writing; Excel-based analysis; stakeholder coordination; and clear presentation of findings for credit, construction, monitoring, and certification decisions. Competencies RequiredTechnical judgment; independence and objectivity; analytical rigor; attention to detail; defensible documentation; client service orientation; cross-functional collaboration; issue escalation; quality mindset; schedule discipline; and ability to translate technical evidence into actionable risk, compliance, and financing implications. Ancillary Details Of The RolesAncillary role detail: may participate in data room reviews, borrower/contractor interviews, site observations, monthly monitoring meetings, risk register updates, CP evidence reviews, draw package checks, issue closure tracking, and preparation of Independent Engineer reports for DOE, LPO, credit, and program governance stakeholders.The DOE Energy Dominance Financing (EDF) Program represents DOE/LPO-supported financing and lifecycle oversight activities for large-scale U.S. energy infrastructure projects, requiring independent engineering, technical due diligence, credit evaluation, construction monitoring, operational performance assessment, and risk management services to support financing decisions and protect government lending interests throughout the project lifecycle. DOE financing activities that support U.S. energy infrastructure, energy security, domestic production, and strategic energy investments. The financing authority itself would typically be administered through the DOE Loan Programs Office (LPO).The Loan Programs Office (LPO) is the financing arm of the U.S. Department of Energy, responsible for providing Direct loans, loan guarantees, credit assistance, and project finance support for large-scale energy and infrastructure projects in the United States. The LPO evaluates projects from Technical, Engineering, Financial, Commercial, Environmental, Regulatory, Construction, and Operational perspectives before financing decisions are made. Independent Engineering (IE) Advisory Services are needed for complex energy projects. DOE/LPO frequently requires independent technical reviews similar to those used by commercial lenders, export credit agencies, multilateral development banks, and institutional project finance investors. An EDF-style Independent Engineering engagement could include:- Upstream Oil & Gas (Exploration and production | Reservoir development | Drilling programs)- Midstream (Pipelines | Compression facilities | LNG infrastructure | Storage terminals)- Downstream (Refineries | Petrochemical facilities | Processing plants)- Power & Utilities (Generation facilities | Transmission infrastructure | Grid modernization | Energy storage) Other Details Role supports NAICS 541330 Engineering Services for Energy Dominance Financing (EDF) Program/Loan Programs Office (LPO) energy infrastructure financing, with work performed for high-impact oil and gas, power, utilities, and infrastructure projects. Outputs must be independent, traceable to source evidence, suitable for lender review, and aligned with technical due diligence, construction monitoring, EPC oversight, completion certification, operations monitoring, and long-term debt-service viability assessment needs. #TechnicalCrossCuttingJobs #Energy Industry (Oil, And Gas/Power, And Utilities) #Jugaad #Copitas #AskWhy #Zakat #PokaYoke #AskidaEmekAdditional Information As a condition of employment, all employees must meet the requirements of their roles: establish, manage, pursue, and achieve annual goals and objectives with Documented Goals for each of the firm's Eight ProSidian Global Competencies [1 - Personal Effectiveness | 2 - Continuous Learning | 3 - Leadership | 4 - Client Service | 5 - Business Management | 6 - Business Development | 7 - Technical Expertise | 8 - Innovation & Knowledge Sharing (Thought Leadership)]; and support all business development and other efforts on behalf of ProSidian. Eight ProSidian Global CompetenciesPersonal Effectiveness – The ability to manage tasks, time, and relationships efficiently, achieving consistent, impactful results.Continuous Learning – Ongoing pursuit of knowledge, skills, and adaptability to remain relevant, competent, and professionally competitive.Leadership – Inspiring, guiding, and motivating others toward shared goals, fostering accountability, collaboration, and strategic organizational success.Client Service – Delivering responsive, high-quality solutions that address client needs, build trust, and strengthen long-term partnerships.Business Management – Coordinating people, processes, and resources to achieve strategic objectives, operational efficiency, and sustainable organizational performance.Business Development – Identifying, pursuing, and securing growth opportunities through strategic relationships, market insight, and innovative solutions.Technical Expertise – Applying specialized knowledge, analytical skills, and practical experience to solve complex problems with accuracy.Innovation & Knowledge Sharing (Thought Leadership) – Generating creative solutions, sharing insights, and influencing industry direction through expertise, collaboration, and continuous improvement. ------------ --------------- ------------ OTHER REQUIREMENTSBusiness Tools – understanding and proficiency with business tools and technology, including Microsoft Office. The ideal candidate is advanced with Excel, Access, Outlook, PowerPoint, and Word; proficient with Adobe Acrobat, data analytics tools, and Visio; and able to quickly learn other tools as needed.Business Tools – understanding and proficiency with business tools and technology, including Microsoft Office. The ideal candidate is advanced with Excel, Access, Outlook, PowerPoint, and Word; proficient with Adobe Acrobat, data analytics tools, and Visio; and able to quickly learn other tools as needed.Commitment - to work with intelligent, interesting people with diverse backgrounds to solve the most significant challenges across private, public, and social sectors.Curiosity – the ideal candidate exhibits an inquisitive nature and the ability to question the status quo among a community of people they enjoy and teams that work well together.Humility – exhibits grace in success and failure while doing meaningful work where skills have an impact and make a difference.Willingness - to constantly learn, share, and grow, and to view the world as their classroom. ------------ --------------- ------------ BENEFITS AND HIGHLIGHTS ProSidian Employee Benefits and Highlights - Your health and well-being are vital to ProSidian. We invest in employees to support health and work-life balance. Our Employee Benefits Program promotes your health and well-being, including benefits for Full-Time Employees.Competitive Compensation: The pay range is competitive and includes health benefits, pre-tax employee benefits, and incentives. The company contributes a fixed dollar amount each month to the selected medical and dental plans, with the contributions deducted pre-tax.Group Medical / Dental / Vision Health Insurance Benefits: ProSidian partners with providers to offer eligible employees a range of medical and dental plans, including high-deductible health plans and PPOs, as well as plans for high and low vision.401(k) Retirement Savings Plan: The 401(k) Retirement Savings Plan lets eligible employees save for retirement with various i

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About ProSidian Consulting

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ProSidian is a management and operations consulting firm with a reputation for its strong national practice spanning six solution areas including Risk Management, Energy & Sustainability, Compliance, Business Process, IT Effectiveness, and Talent Management. We help clients improve their operations. Linking strategy to execution, ProSidian assists client leaders in maximizing company return on investment capital through design and execution of operations core to delivering value to customers. Visit www.ProSidian.com or follow the company on Twitter at www.twitter.com/ProSidianfor more information.

Industry

Business schools and computer and management training

Company size

11 - 50 Employees

Headquarters location

Charlotte, NC, US

Year founded

2004

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