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Credit Risk Jobs in Maryland (NOW HIRING)

APGFCU

Business Credit Officer

Edgewood, MD · On-site

Determine the credit risk profiles based on financial analysis and market conditions. * Analyze financial spreads to identify potential risks associated with credit applications. * Prepare ...

APGFCU

Business Credit Officer

Edgewood, MD · On-site

Determine the credit risk profiles based on financial analysis and market conditions. * Analyze financial spreads to identify potential risks associated with credit applications. * Prepare ...

Harford Bank

SR CREDIT ANALYST

Bel Air, MD · On-site

TITLE: Sr. Credit Analyst STATUS: Exempt REPORTS TO : Chief Credit Officer SUPERVISES: N/A ... Additionally, they will ensure the loan is properly structured and risk rated as well as compliant ...

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All JobsCredit Risk JobsCredit Risk Jobs in Maryland

Credit Risk information

See Maryland salary details

$48.5K

$106.1K

$177.6K

How much do credit risk jobs pay per year?

As of Jul 14, 2026, the average yearly pay for credit risk in Maryland is $106,094.00, according to ZipRecruiter salary data. Most workers in this role earn between $72,800.00 and $137,800.00 per year, depending on experience, location, and employer.

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

To thrive as a Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial statements, and a background in finance, economics, or a related field, often supported by a relevant degree or certification (such as FRM or CFA). Familiarity with risk assessment tools, financial modeling software, and credit rating systems is typically required. Attention to detail, critical thinking, and effective communication are essential soft skills for interpreting data and presenting risk assessments to stakeholders. These skills and qualities are crucial for making informed decisions that minimize financial losses and ensure sound lending practices.

What is the difference between Credit Risk vs Credit Analyst?

AspectCredit RiskCredit Analyst
Primary FocusAssessing the likelihood of borrower default to manage overall credit riskAnalyzing credit data to determine creditworthiness of individual applicants
Work EnvironmentRisk management teams, financial institutions, credit departmentsBanking, lending institutions, financial services
Required CredentialsOften requires risk management certifications, finance degreesFinance or accounting degrees, certifications like CFA or credit-specific courses

While both roles involve understanding credit, Credit Risk focuses on managing the overall risk exposure of an organization, whereas a Credit Analyst evaluates individual credit applications to determine approval. Both roles are essential in the lending process but differ in scope and responsibilities.

What is credit risk and what does a credit risk professional do?

Credit risk refers to the possibility that a borrower or counterparty will fail to meet their financial obligations, such as repaying a loan or making payments on time. Credit risk professionals analyze financial data, assess the creditworthiness of individuals or companies, and help set lending policies to minimize potential losses for banks or financial institutions. They use various models and tools to evaluate risk, monitor existing loans, and recommend strategies to mitigate exposure. Their work is essential for maintaining the financial health and stability of lending organizations.

What are some typical challenges faced by professionals in credit risk roles, and how can they be addressed?

Credit risk professionals often encounter challenges such as assessing the creditworthiness of new and existing clients, keeping up with rapidly changing market conditions, and managing large volumes of data to make informed decisions. To address these, it's important to stay updated on industry trends, develop strong analytical and communication skills, and leverage advanced risk assessment tools. Collaborating closely with colleagues in underwriting, sales, and compliance teams also helps ensure well-rounded risk evaluations and consistent application of policies.
What are the most commonly searched types of Credit Risk jobs in Maryland? The most popular types of Credit Risk jobs in Maryland are:
What are popular job titles related to Credit Risk jobs in Maryland? For Credit Risk jobs in Maryland, the most frequently searched job titles are:
What job categories do people searching Credit Risk jobs in Maryland look for? The top searched job categories for Credit Risk jobs in Maryland are:
What cities in Maryland are hiring for Credit Risk jobs? Cities in Maryland with the most Credit Risk job openings:
Credit Risk jobs near you
Infographic showing various Credit Risk job openings in Maryland as of July 2026, with employment types broken down into 79% Full Time, 19% Part Time, and 2% Temporary. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $106,094 per year, or $51 per hour.
Sr Credit Officer (HYBRID--Columbia, MD)

Sr Credit Officer (HYBRID--Columbia, MD)

Atlantic Union Bank

Columbia, MD • On-site

$81.28 - $135.73/hr

Full-time

Re-posted 26 days ago

Atlantic Union Bank rating

7.2

Company rating: 7.2 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

103rd of 149 rated banks

Job description

Position Description
The Senior Credit Officer is responsible for loan approvals on real estate and non-real estate commercial purpose loans, though the incumbent's responsibilities may be focused on either or both of these loan types. Loan authority would be commensurate with experience and expertise. From time to time, this position may need to provide guidance on credits that are either classified/criticized and/or have been recently downgraded where a clear plan of action is needed. This position will interact closely with the Wholesale Banking Group with the ultimate goal to provide timely responses on complete loan request packages and approvals that are consistent with the corporate credit culture.
Position Accountabilities
  • Reviews and determines appropriate risk assessment of commercial loan requests including an appropriate level of analysis of borrower's business, management, industry and financial condition and operations.
  • Exercises signature loan approvals on commercial loan requests with exposure levels to be determined based on experience and expertise.
  • Makes recommendations on credits that require higher levels of approval.
  • Provides expertise and leadership in larger more complex credit requests
  • Makes joint calls with relationship managers as needed and as time
  • Provides direction to and partners with the Wholesale Banking Group on how to most effectively and efficiently leverage the credit process so that both credit quality and loan growth objectives are met.
  • Provides guidance/mentoring to both credit support personnel and commercial relationship managers on risk management issues as requested or otherwise deemed necessary or
  • Discusses credits with Internal Loan Review and/or Bank Examiners as
  • Assists the Chief Credit Officer and the Senior Credit Risk Officer with drafting or revising credit policies, product guidelines, and procedures; credit training; and various credit risk management/administration projects as the need may
  • Works with commercial relationship managers and line management to ensure proper servicing of the commercial loan
  • Works with commercial relationship managers and line management to ensure that commercial loan portfolio credit quality goals are

Organizational Relationship
Reports to the Commercial Credit Executive
Position Qualifications
Education & Experience
  • Bachelor's degree in business, finance or related
  • Fifteen or more years experience in commercial banking and/or a credit administration position that had signature loan approval

Knowledge & Skills
  • Ability to work accurately with detailed information
  • Ability to handle confidential information with the utmost of discretion
  • Ability to work independently
  • Strong interpersonal, communication and listening skills
  • Results oriented, decisive and willingness to be firm when needed
  • PC proficiency with a working knowledge of word processing and spreadsheet software and nCino
  • Ability to effectively analyze data in order to accurately assess risk from a cash flow, collateral, industry, local market conditions and management perspective in order to ensure appropriate credit and loan structuring decisions are made in a timely manner
  • Demonstrated leadership and skills in determining and recommending appropriate solutions on problem credits
  • Maintains current operating knowledge of all job-relevant legal and regulatory requirements through the successful completion of compliance and regulatory training and attendance at all mandatory regulatory compliance activities

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.
We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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