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Credit Risk Stress Testing information

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$42K

$124K

$190.5K

How much do credit risk stress testing jobs pay per year?

As of Sep 11, 2026, the average yearly pay for credit risk stress testing 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 credit risk stress testing?

Credit risk stress testing is a risk management technique used by financial institutions to evaluate how their credit portfolios would perform under adverse economic scenarios. This process helps banks and lenders understand potential vulnerabilities by simulating extreme but plausible events, such as economic downturns or market shocks, and assessing the impact on loan defaults and overall credit losses. The results of these tests guide institutions in making informed decisions about capital reserves, risk limits, and strategic planning to ensure financial stability. Regulators often require banks to conduct credit risk stress tests as part of their supervisory framework. Effective stress testing enhances a firm's ability to withstand unexpected financial stresses and maintain solvency.

How does the credit risk stress testing role typically interact with other departments within a financial institution?

Professionals in Credit Risk Stress Testing frequently collaborate with teams such as Risk Management, Finance, Data Analytics, and IT. They work closely with these departments to gather relevant data, ensure accurate modeling, and interpret stress test results. This collaborative approach helps ensure that the institution’s credit risk exposures are comprehensively assessed and that regulatory requirements are met. Regular communication and cross-functional meetings are common, as stress testing outcomes often influence strategic business decisions and regulatory reporting.

What are the key skills and qualifications needed to thrive in credit risk stress testing, and why are they important?

To thrive in Credit Risk Stress Testing, you need a solid background in finance, risk management, quantitative analysis, and often a relevant degree such as in economics, mathematics, or finance. Familiarity with statistical modeling tools (such as SAS, R, or Python), risk management frameworks, and regulatory requirements like CCAR or IFRS 9 is typically expected. Strong analytical skills, attention to detail, and the ability to communicate complex findings clearly are valuable soft skills in this role. These competencies ensure accurate risk assessments, compliance with regulations, and effective communication of stress test results to stakeholders.

What is the difference between Credit Risk Stress Testing vs Credit Risk Analyst?

AspectCredit Risk Stress TestingCredit Risk Analyst
Primary FocusAssessing the impact of adverse economic scenarios on credit portfoliosAnalyzing credit data to evaluate borrower risk and creditworthiness
Required SkillsQuantitative analysis, stress testing methodologies, regulatory complianceCredit analysis, financial modeling, data interpretation
Work EnvironmentRisk management teams, financial institutions, regulatory bodiesBanking institutions, credit departments, financial firms

While both roles involve credit risk, Credit Risk Stress Testing focuses on evaluating how economic shocks affect credit portfolios, often requiring advanced quantitative skills. Credit Risk Analysts primarily assess individual borrower risk and creditworthiness. Both roles are essential in credit risk management but serve different purposes within financial institutions.

What other helpful pages are available for Credit Risk Stress Testing?

Other pages related to Credit Risk Stress Testing:

Infographic showing various Credit Risk Stress Testing job openings in the United States as of September 2026, with employment types broken down into 1% Internship, 1% As Needed, 84% Full Time, 10% Part Time, 3% Contract, and 1% Nights. Highlights an 89% Physical, 2% Hybrid, and 9% Remote job distribution, with an average salary of $124,006 per year, or $59.6 per hour.

Vice President, Credit Risk

Warren, NJ • On-site

Everest Re Group
Insurance Services • 1 - 5K employees
Learn more about Everest Re Groupexternal

Full-time

Medical, Life, Retirement, PTO

Re-posted 12 days ago

Job description

Title:

Vice President, Credit Risk

Company:

Everest Global Services, Inc.

Job Category:

Risk Management

Job Description:

About Everest:

Everest is a global leader in risk management, rooted in a rich, 50+ year heritage of enabling businesses to survive and thrive, and economies to function and flourish. We are underwriters of risk, growth, progress and opportunity. We are a global team focused on disciplined capital allocation and long-term value creation for all stakeholders, who care deeply about our impact on communities and the wider world.

About the Role:

Everest is seeking a seasoned and strategic Vice President, Credit Risk to join the Enterprise Risk Management Team. This role will be responsible for establishing and leading a best-in-class enterprise credit risk framework, providing independent oversight and challenge across underwriting, investment, reinsurance, and other credit-sensitive exposures throughout the organization.

Reporting to the SVP of Financial Risk, the VP of Credit Risk will serve as Everest's senior subject matter expert on credit risk, helping shape risk appetite, capital allocation, portfolio management, and strategic decision-making. The role requires a unique blend of insurance expertise, credit risk management, portfolio analytics, governance, and executive engagement. The successful candidate will possess deep expertise in Property & Casualty underwriting-related credit exposures, including Surety, Trade Credit, Mortgage, Structured Credit, and Large Deductible programs, while also overseeing broader credit risks arising from investments, reinsurance counterparties, fronting arrangements, and premium receivables.

Key Responsibilities

Enterprise Leadership

  • Serve as a key member of the ERM Leadership Team, contributing to the overall risk strategy and governance of the organization.

  • Develop and execute a comprehensive enterprise-wide vision for credit risk management.

  • Act as the primary advisor to senior management on emerging credit risks, portfolio exposures, and risk mitigation strategies.

  • Represent Credit Risk in executive committees, risk governance forums, and interactions with rating agencies and regulators.

Credit Risk Governance & Oversight

  • Establish and chair the Group Credit Risk Committee, ensuring effective executive oversight of credit exposures across the enterprise.

  • Develop policies, standards, limits, and governance practices supporting a consistent approach to credit risk management.

  • Deliver regular reporting and insightful analysis to executive leadership and risk committees.

Underwriting Credit Risk

  • Provide oversight and independent challenge of underwriting-related credit exposures, including:

    • Surety

    • Trade Credit

    • Mortgage Insurance

    • Structured Credit

    • Large Deductible Programs

  • Evaluate portfolio quality, underwriting concentrations, emerging risks, and aggregate exposures across business lines.

  • Develop consistent methodologies for measuring and monitoring underwriting credit risk globally.

Investment & Counterparty Credit Risk

  • Oversee enterprise exposure to investment credit risk, including spread, migration, and default risk.

  • Provide oversight of reinsurance counterparty risk and fronting-related exposures.

  • Assess and monitor premium receivables and other material credit obligations across the group.

  • Partner with Investments, Reinsurance, Underwriting, Finance, and Actuarial teams to ensure effective risk identification and management.

Portfolio Management & Analytics

  • Establish robust portfolio monitoring capabilities across counterparties, industries, sectors, and geographic regions.

  • Create enterprise-wide views of aggregate credit exposure and concentration risk.

  • Develop watchlists and escalation frameworks for high-risk or deteriorating exposures.

  • Leverage data and analytics to provide actionable insights that support strategic decision-making.

Risk Appetite & Framework Development

  • Design and implement a comprehensive credit risk framework integrated with Everest's enterprise risk appetite.

  • Establish concentration limits and exposure management standards across both underwriting and investment portfolios.

  • Ensure consistent measurement and aggregation of credit risk across the organization.

Stress Testing & Emerging Risk Assessment

  • Lead enterprise credit stress testing and scenario analysis programs.

  • Evaluate portfolio resilience under adverse scenarios, including:

    • Global Financial Crisis-type events

    • Sovereign downgrade or default scenarios

    • Industry-specific downturns

    • Credit market dislocations

    • Correlated counterparty failures

  • Translate stress-testing results into strategic risk management and capital planning insights.

Independent Review & Challenge

  • Provide independent assessment of credit quality, underwriting assumptions, ratings methodologies, and portfolio construction.

  • Identify gaps between internal analysis, external ratings, and emerging market conditions.

  • Partner with business leaders to enhance risk-adjusted performance and portfolio quality while maintaining disciplined growth.

Qualifications

Required Experience

  • 15+ years of experience in credit risk, enterprise risk management, underwriting, investments, or related financial risk disciplines.

  • Deep expertise in P&C underwriting credit risk, particularly within Surety, Trade Credit, Mortgage, Structured Credit, and/or Large Deductible portfolios.

  • Demonstrated success building or leading enterprise credit risk frameworks within a complex financial services or insurance organization.

  • Experience interacting with executive leadership, boards, regulators, and rating agencies.

  • Strong understanding of portfolio management, concentration risk, stress testing, and risk governance.

Preferred Experience

  • Investment credit risk management, including spread, migration, and default risk.

  • Reinsurance counterparty and fronting risk oversight.

  • Premium receivables and collections-related credit risk.

  • Private credit markets and alternative credit investments.

Additional Preferred Qualifications

  • Knowledge of derivatives and associated credit and counterparty risks.

  • Familiarity with credit risk considerations embedded within regulatory and rating agency capital models, including:

    • BSCR

    • AM Best

    • S&P Capital Model

    • RBC

  • Advanced degree in Finance, Economics, Risk Management, Mathematics, Actuarial Science, or a related discipline.

  • CFA, FRM, PRM, or similar professional designation preferred.

The base salary range for this position is $206,000 - $260,000 annually. The offered rate of compensation will be based on individual education, experience, qualifications and work location. All offers include access to a variety of benefits to employees, including health insurance coverage, an employee wellness program, life and disability insurance, 401k match, retirement savings plan, paid holidays and paid time off (PTO).

What if I don't meet every requirement? At Everest we are dedicated to building an inclusive and authentic workplace. So, if you are excited about this role but your past experience doesn't align perfectly with every element in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles. Please let us know if you need any accommodations throughout the application or interview process.

Our Culture

At Everest, our purpose is to provide the world with protection. We help clients and businesses thrive, fuel global economies, and create sustainable value for our colleagues, shareholders and the communities that we serve. We also pride ourselves on having a unique and inclusive culture which is driven by a unified set of values and behaviors. Clickhereto learn more about our culture.

  • Our Valuesare the guiding principles that inform our decisions, actions and behaviors. They are an expression of our culture and an integral part of how we work: Talent. Thoughtful assumption of risk. Execution. Efficiency. Humility. Leadership. Collaboration. Inclusion and Belonging.
  • Our Colleague Behaviorsdefine how we operate and interact with each other no matter our location, level or function: Respect everyone. Pursue better. Lead by example. Own our outcomes. Win together.

All colleagues are held accountable to upholding and supporting our values and behaviors across the company. This includes day to day interactions with fellow colleagues, and the global communities we serve.

Type:

Regular

Time Type:

Full time

Primary Location:

Warren, NJ

Additional Locations:

London, New York, NY, Zurich, Switzerland

Everest is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion or creed, sex (including pregnancy), sexual orientation, gender identity or expression, national origin or ancestry, citizenship, genetics, physical or mental disability, age, marital status, civil union status, family or parental status, veteran status, or any other characteristic protected by law. As part of this commitment, Everest will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact Everest Benefits at everestbenefits@everestglobal.com.

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