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Credit Risk Jobs in Washington (NOW HIRING)

Freddie Mac

Portfolio Risk Lead - Servicing

Mclean, VA · On-site

We are seeking a Portfolio Credit Risk Lead for Single Family Portfolio & Servicing. This role sits at the center of Freddie Mac's enterprise financial risk oversight, shaping how the company ...

Freddie Mac

Portfolio Risk Lead - Servicing

Mclean, VA · On-site

We are seeking a Portfolio Credit Risk Lead for Single Family Portfolio & Servicing. This role sits at the center of Freddie Mac's enterprise financial risk oversight, shaping how the company ...

World Bank

Manager, Sovereign Risk

Washington, DC

The Credit Risk Department (CROCR) of the CRO VPU provides country risk ratings for the entire WBG (IBRD, IDA, IFC and MIGA), as well as banking sector country risk ratings and corporate sector ...

Atlantic Union Bank

Credit Officer

Reston, VA · On-site

$155K - $259K/yr

Credit Officer The Credit Officer is responsible for loan approvals on commercial real estate and ... Reviews and determines appropriate risk assessment of commercial loan requests including the ...

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All JobsCredit Risk JobsCredit Risk Jobs in Washington

Credit Risk information

See Washington salary details

$56.6K

$123.8K

$207.3K

How much do credit risk jobs pay per year?

As of Jun 29, 2026, the average yearly pay for credit risk in Washington is $123,809.00, according to ZipRecruiter salary data. Most workers in this role earn between $84,900.00 and $160,800.00 per year, depending on experience, location, and employer.

What is the highest paying risk management job?

In risk management, senior roles such as Chief Risk Officer (CRO) or Director of Risk typically have the highest salaries, often exceeding six figures annually. These positions require extensive experience, advanced certifications like FRM or CFA, and strong leadership skills within financial institutions or large corporations.

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 salary of Credit Risk Analyst?

The average salary for a Credit Risk Analyst at JP Morgan typically ranges from $70,000 to $100,000 annually, depending on experience, location, and education. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher compensation, often supplemented with bonuses and benefits.

Will a credit analyst be replaced by AI?

Credit analysts evaluate financial data and assess credit risk, a role that involves complex judgment and interpretation. While AI tools can automate data analysis and streamline processes, human expertise remains essential for nuanced decision-making and understanding context, making full replacement unlikely in the near term.

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 is credit risk as a job?

A credit risk professional assesses the likelihood that borrowers will default on their loans or credit obligations. They analyze financial data, credit reports, and economic factors to help organizations manage potential losses and make informed lending decisions, often using risk modeling tools and adhering to regulatory standards.
What are the most commonly searched types of Credit Risk jobs in Washington? The most popular types of Credit Risk jobs in Washington are:
What are popular job titles related to Credit Risk jobs in Washington? For Credit Risk jobs in Washington, the most frequently searched job titles are:
What job categories do people searching Credit Risk jobs in Washington look for? The top searched job categories for Credit Risk jobs in Washington are:
Credit Risk jobs near you
Infographic showing various Credit Risk job openings in Washington as of June 2026, with employment types broken down into 80% Full Time, 16% Part Time, 1% Temporary, and 3% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $123,809 per year, or $59.5 per hour.
Credit Administration Manager

Credit Administration Manager

John Marshall Bank

Reston, VA

Other

Medical, Dental, Vision, Retirement, PTO

Posted 5 days ago

Key responsibilities

  • Lead the preparation and analysis of CRE Concentration Reports and develop data visualizations to communicate portfolio health to stakeholders.

  • Own the CECL reporting lifecycle, including reconciling balances, preparing materials for the Board, and managing compliance and audit processes.

  • Oversee annual review processes, monitor loan covenants, and manage Watch List meetings and Criticized Asset Reports in partnership with the Chief Credit Officer.

Job description

Description

John Marshall Bank is seeking a seasoned Credit professional to lead our credit risk assessment, loan monitoring and policy compliance, portfolio analytics, stress testing, and allowance for credit losses (CECL) program management. This high-impact role serves as a key partner to the Chief Credit Officer, transforming complex loan data into strategic insights. The ideal candidate blends technical mastery of various software programs with the leadership presence to manage vendor relationships and regulatory audits.


Key Responsibilities


Strategic Portfolio Analytics & Reporting

  • CRE Concentration Management: Lead the preparation and analysis of CRE Concentration Reports
  • Market Intelligence: Leverage Moody's and other market data to identify emerging trends; translate raw data into sophisticated, "Board-ready" reporting.
  • Data Visualization: Utilize advanced Excel (Pivot Tables, VLOOKUPs, Power Query) to develop charts and dashboards that communicate portfolio health to stakeholders.

Credit Risk Stress Testing

  • Bottom-Up Testing, Top-Down Modeling & Risk Identification: Audit CRE loan data, updating NOI and appraisal information; perform sample testing to verify the accuracy of core-to-software data feeds, maintain and update top-down stress models, evaluate stress testing results to identify high-risk segments and analyze the underlying drivers of risk.

CECL Program Leadership

  • Program Governance: Own the CECL reporting lifecycle, reconciling balances across the GL and the model while incorporating qualitative frameworks.
  • Executive Communication: Lead the quarterly CECL Steering Committee; prepare detailed memos, minutes, and PowerPoint presentations for the Board.
  • Compliance & Audit: Manage the CECL refresh and validation processes and serve as the primary point of contact for internal and external audits.
  • Vendor Management: Oversee the vendor process, including vendor selection, contract negotiations, and due diligence.

Portfolio Surveillance & Quality Control

  • Covenant & Review Management: Oversee the annual review process; monitor loan covenants to ensure prompt assessment and resolution of violations.
  • Production & Quality Reporting: Manage the delivery of comprehensive monthly and quarterly report packages covering loan production and credit quality.
  • Specialized Monitoring: Provide deep-dive analysis into portfolios for inclusion in public press releases and regulatory filings.

Special Assets & Credit Support

  • Watch List Management: Partner with the Chief Credit Officer to manage criticized assets; coordinate and lead Watch List meetings and prepare Criticized Asset Reports.
  • Borrower Engagement: Assist in the direct or indirect management of troubled loan relationships as needed.


Requirements

  • Education: Bachelor's degree
  • Experience: 10-15 years of progressive experience in Commercial Credit Analysis, Portfolio Management, or Credit Administration.
  • CECL Proficiency: Direct experience supporting a CECL program, including running models and preparing quarterly reporting materials.
  • Technical Mastery: Advanced Excel skills (Pivot Tables, VLOOKUPs, and complex data modeling) and experience with Moody's or similar market data platforms.
  • Credit Analysis: Professional-level ability to spread and analyze financial statements, tax returns, and complex financial data to interpret metrics and ratios.
  • Communication: Proven ability to draft professional memos and reports for Senior Management and Board-level review.

Preferred 

  • Education: Bachelor's or master's degree in finance, Accounting, Economics, or a related field, 
  • Advanced CECL Expertise: Experience leading the full CECL life cycle, including managing the annual refresh process, vendor selection for model validation, and contract negotiations (specifically with Abrigo).
  • Regulatory & Audit Leadership: Experience acting as the primary point of contact for internal and external audits and regulatory exams related to credit risk and allowance methodologies.
  • Lending Authority: Previous Loan Approval Authority is highly desirable, demonstrating a high level of credit judgment and risk assessment.
  • Software Expertise: Direct, hands-on experience with Abrigo (Lender Platform/Stress Testing) and H360 core banking systems.
  • Stress Testing: Experience designing or executing both Top-Down and Bottom-Up stress testing models.
  • Special Assets: Experience in working out problem loans.
  • Industry Certifications: Relevant certifications such as CPA, CFA, or RMA (Risk Management Association) Credit Risk Certification.

John Marshall Bank is an Equal Opportunity Employer 


At John Marshall Bank, we pride ourselves on being able to attract the best talent in the industry, therefore we offer a comprehensive benefits package which includes: 

  • Medical
  • Dental
  • 401K Retirement Plan w/ an Employer Match
  • Vision 
  • Employee Assistance Program
  • Flexible Spending 
  • Transit Reimbursement
  • Dependent Day Care
  • Long Term Care
  • Paid Time Off
  • Life and Disability Coverage 

At this time, John Marshall Bank will not sponsor a new applicant for employment authorization for this position. 

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