Assess borrower's cash flow, leverage, repayment capacity, collateral, and overall credit risk * Evaluate industry trends, management quality, and financial performance Credit Administration ...
Quick apply
Assess borrower's cash flow, leverage, repayment capacity, collateral, and overall credit risk * Evaluate industry trends, management quality, and financial performance Credit Administration ...
Credit Manager
Saint Louis, MO · On-site
$75K - $85K/yr
... risk controls.Key ResponsibilitiesManage/track the overall flow of credit files to ensure that they are moving timely through the credit process Review all new Bids and General Contractor orders.
Quick apply
Credit Manager
Saint Louis, MO · On-site
$75K - $85K/yr
... risk controls.Key ResponsibilitiesManage/track the overall flow of credit files to ensure that they are moving timely through the credit process Review all new Bids and General Contractor orders.
Credit Analyst
$23 - $34.87/hr
At Neighbors Credit Union, lending is about more than reviewing numbers-it is about understanding ... Can balance member service with responsible risk management. * Look at the full lending situation ...
Credit Analyst
$23 - $34.87/hr
At Neighbors Credit Union, lending is about more than reviewing numbers-it is about understanding ... Can balance member service with responsible risk management. * Look at the full lending situation ...
Credit Analyst
Saint Louis, MO · On-site
$23 - $34.87/hr
At Neighbors Credit Union, lending is about more than reviewing numbers-it is about understanding ... Can balance member service with responsible risk management. * Look at the full lending situation ...
Credit Analyst
Saint Louis, MO · On-site
$23 - $34.87/hr
At Neighbors Credit Union, lending is about more than reviewing numbers-it is about understanding ... Can balance member service with responsible risk management. * Look at the full lending situation ...
This role oversees credit risk management, underwriting standards, portfolio quality, policy administration, and credit approval processes for residential development, single-family rental (SFR ...
This role oversees credit risk management, underwriting standards, portfolio quality, policy administration, and credit approval processes for residential development, single-family rental (SFR ...
Credit Risk - Senior Review Appraiser
Englewood, CO · On-site
$88K - $97K/yr
Also supports sound Credit Risk Management practices by protecting the bank's collateral position by helping to validate appropriate loan-to-values during the underwriting process. Minimum ...
Credit Risk - Senior Review Appraiser
Englewood, CO · On-site
$88K - $97K/yr
Also supports sound Credit Risk Management practices by protecting the bank's collateral position by helping to validate appropriate loan-to-values during the underwriting process. Minimum ...
Credit Risk - Senior Review Appraiser
Englewood, CO · On-site
$88K - $97K/yr
Also supports sound Credit Risk Management practices by protecting the bank's collateral position by helping to validate appropriate loan-to-values during the underwriting process. Minimum ...
Credit Risk - Senior Review Appraiser
Englewood, CO · On-site
$88K - $97K/yr
Also supports sound Credit Risk Management practices by protecting the bank's collateral position by helping to validate appropriate loan-to-values during the underwriting process. Minimum ...
Credit Analyst
Saint Louis, MO · On-site
Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst ... Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights ...
Credit Analyst
Saint Louis, MO · On-site
Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst ... Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights ...
Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst ... Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights ...
Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst ... Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights ...
Credit Analyst
Saint Louis, MO · On-site
Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst ... Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights ...
Credit Analyst
Saint Louis, MO · On-site
Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst ... Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights ...
Credit Analyst
Saint Louis, MO · On-site
Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst ... Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights ...
Credit Analyst
Saint Louis, MO · On-site
Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst ... Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights ...
Credit Analyst
Saint Louis, MO · On-site
Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst ... Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights ...
Credit Analyst
Saint Louis, MO · On-site
Credit Analyst Location: St. Louis, MO (On-Site) Summary: Join Carboline's team as a Credit Analyst ... Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights ...
Establishing payment arrangements with customers when necessaryProcess credit applications by obtaining and analyzing public and non-public information on customers to continuously assess credit risk ...
Quick apply
Establishing payment arrangements with customers when necessaryProcess credit applications by obtaining and analyzing public and non-public information on customers to continuously assess credit risk ...
Process credit applications by obtaining and analyzing public and non-public information on customers to continuously assess credit risk for new and existing accounts, including long-term and ...
Process credit applications by obtaining and analyzing public and non-public information on customers to continuously assess credit risk for new and existing accounts, including long-term and ...
Develops payment plans with customers experiencing cash flow problems where appropriate while managing overall credit risk. Files insurance claims and/or bankruptcy claims as necessary for ...
Develops payment plans with customers experiencing cash flow problems where appropriate while managing overall credit risk. Files insurance claims and/or bankruptcy claims as necessary for ...
Process credit applications by obtaining and analyzing public and non-public information on customers to continuously assess credit risk for new and existing accounts, including long-term and ...
Process credit applications by obtaining and analyzing public and non-public information on customers to continuously assess credit risk for new and existing accounts, including long-term and ...
Senior Credit Analyst
Saint Louis, MO · On-site
... risk and profitability · Experience with ERP systems (Microsoft Dynamics 365 preferred) · Strong ... credit limits. · Other duties as assigned.
Quick apply
Senior Credit Analyst
Saint Louis, MO · On-site
... risk and profitability · Experience with ERP systems (Microsoft Dynamics 365 preferred) · Strong ... credit limits. · Other duties as assigned.
Credit Analyst
Springfield, MO · On-site
Analyze and evaluate credit risk for current customers for limit increases, special financing and other requests. Establish payment plans for past due accounts. All other duties as assigned. SKILLS ...
Credit Analyst
Springfield, MO · On-site
Analyze and evaluate credit risk for current customers for limit increases, special financing and other requests. Establish payment plans for past due accounts. All other duties as assigned. SKILLS ...
Credit Analyst
Springfield, MO · On-site
Analyze and evaluate credit risk for current customers for limit increases, special financing and other requests. Establish payment plans for past due accounts. All other duties as assigned. SKILLS ...
Credit Analyst
Springfield, MO · On-site
Analyze and evaluate credit risk for current customers for limit increases, special financing and other requests. Establish payment plans for past due accounts. All other duties as assigned. SKILLS ...
Position Summary The Commercial Loan Portfolio Manager is responsible for the ongoing credit administration, monitoring, and risk management of the bank's commercial loan portfolio. This role focuses ...
Position Summary The Commercial Loan Portfolio Manager is responsible for the ongoing credit administration, monitoring, and risk management of the bank's commercial loan portfolio. This role focuses ...
Credit Risk information
See Missouri salary details
$46.9K - $58.2K
16% of jobs
$58.2K - $69.6K
8% of jobs
$70.3K is the 25th percentile. Wages below this are outliers.
$69.6K - $80.9K
13% of jobs
$80.9K - $92.3K
7% of jobs
The median wage is $97.9K / yr.
$92.3K - $103.6K
12% of jobs
$103.6K - $114.9K
15% of jobs
$121K is the 75th percentile. Wages above this are outliers.
$114.9K - $126.3K
8% of jobs
$126.3K - $137.6K
11% of jobs
$137.6K - $149K
3% of jobs
$149K - $160.3K
3% of jobs
$160.3K - $171.7K
4% of jobs
$46.9K
$102.5K
$171.7K
How much do credit risk jobs pay per year?
As of Aug 18, 2026, the average yearly pay for credit risk in Missouri is $102,537.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,400.00 and $133,200.00 per year, depending on experience, location, and employer.
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 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 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 is the difference between Credit Risk vs Credit Analyst?
| Aspect | Credit Risk | Credit Analyst |
|---|---|---|
| Primary Focus | Assessing the likelihood of borrower default to manage overall credit risk | Analyzing credit data to determine creditworthiness of individual applicants |
| Work Environment | Risk management teams, financial institutions, credit departments | Banking, lending institutions, financial services |
| Required Credentials | Often requires risk management certifications, finance degrees | Finance 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.
Do you need a degree to be a credit risk analyst?
A degree is often preferred for credit risk analyst positions, with many employers seeking candidates with a bachelor's degree in finance, economics, or related fields. However, some roles may accept relevant work experience or certifications like the Financial Risk Manager (FRM) in lieu of a degree. Strong analytical skills and knowledge of credit analysis tools are also important for this role.
How to start a career in credit risk?
To start a career in credit risk, obtain a bachelor's degree in finance, economics, or a related field, and develop strong analytical and quantitative skills. Gaining experience through internships or entry-level roles in banking, finance, or risk management helps build relevant expertise, and earning certifications like the Financial Risk Manager (FRM) can enhance job prospects.
What is the average salary of a credit risk analyst?
The average salary of a credit risk analyst typically ranges from $60,000 to $85,000 per year, depending on experience, location, and industry. Professionals in this role often require strong analytical skills and knowledge of financial modeling tools.
What are the most commonly searched types of Credit Risk jobs in Missouri?
The most popular types of Credit Risk jobs in Missouri are:
What are popular job titles related to Credit Risk jobs in Missouri?
For Credit Risk jobs in Missouri, the most frequently searched job titles are:
What job categories do people searching Credit Risk jobs in Missouri look for?
The top searched job categories for Credit Risk jobs in Missouri are:
What cities in Missouri are hiring for Credit Risk jobs?
Cities in Missouri with the most Credit Risk job openings:
Full-time
Re-posted 9 days ago
Job description
Description:
Flat Branch Bank is seeking an experienced and detail-oriented professional to join our growing Commercial Credit Team. This role is responsible for analyzing creditworthiness for commercial lending relationships, supporting the commercial lending team, and ensuring compliance with internal policies and regulatory expectations.
This position is open to candidates who live within driving distance of Columbia, Missouri or who reside within the St. Louis, Missouri MSA. The role may be on-site in Columbia or remote for candidates located in one of these two areas. We are not considering applicants who live outside the state of Missouri, unless they have firm plans to relocate to either the Columbia area or the St. Louis MSA.
Core Responsibilities
Credit Analysis & Underwriting
- Spread and analyze financial statements, tax returns, balance sheets, and income statements
- Assess borrower’s cash flow, leverage, repayment capacity, collateral, and overall credit risk
- Evaluate industry trends, management quality, and financial performance
Credit Administration & Portfolio Management
- Prepare detailed credit memorandums and loan presentations outlining transaction strengths, weaknesses, risks, and recommended loan structure
- Monitor existing loan relationships, including covenant compliance and annual reviews
- Identify and report early warning signs of potential credit deterioration
- Review downgraded loans to ensure proper collateral valuations and documentation
Compliance & Reporting
- Ensure loan structures and underwriting decisions comply with bank policy, regulations, and industry standards
- Prepare monthly Board reports, technical exception reports, and non-conforming loan reports
- Maintain credit files and monitor documentation and financial statement requirements
- Assist with appraisal ordering, review, and vendor communication
- Perform compliance audits and special projects as assigned
- Stay current on regulatory and policy changes affecting commercial lending and assist with internal training
Additional Duties
- Support the commercial lending team and Executive Team as needed
- Perform other duties and projects assigned
Qualifications & Skills
- Bachelor’s degree in Business, Finance, Accounting, or related field preferred
- Formal credit training with 2+ years of experience in commercial credit analysis, loan review, auditing, or financial analysis
- Deep understanding of corporate finance, accounting principles, and credit risk evaluation. Understands business implications of decisions. Displays orientation to profitability. Demonstrates knowledge of market and competition. Aligns work to strategic goals.
- Proficiency in financial spreading software, risk analysis tools, and Microsoft Office Suite
- Excellent analytical, organizational, and technical writing skills
- Ability to clearly communicate complex financial information to lenders, management, committees, and Board members
- Professional demeanor with the ability to work effectively with regulators, auditors, consultants, customers, and team members
- Ability to manage multiple priorities and meet deadlines in a fast-paced environment