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Credit Risk Jobs in Washington (NOW HIRING)

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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 6, 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 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 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 May 2026, with employment types broken down into 89% Full Time, 9% Part Time, and 2% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $123,809 per year, or $59.5 per hour.
Regional Credit Officer

Regional Credit Officer

Burke & Herbert Bank & Trust

Annapolis, MD • On-site

Full-time

Posted 3 days ago

Burke & Herbert Bank rating

5.6

Company rating: 5.6 out of 10

Based on 8 frontline employees who took The Breakroom Quiz

131st of 141 rated banks

Job description

CLASSIFICATION: Exempt


REPORTS TO: Chief Credit Officer


DATE: May 4, 2026



JOB DESCRIPTION

Summary/Objective

The Regional Credit Officer is a senior individual contributor role within the Credit Risk Management function, responsible for independent credit judgment and risk assessment of complex commercial credits. The RCO will have significant loan authority to be used prudently. The position supports the Bank’s credit culture by ensuring proper risk selection, adherence to credit policy, and consistent application of regulatory standards across business lines. While the role carries significant influence and authority, it does not include direct supervisory or people management responsibilities.


Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Review and approve credit requests for commercial and business loan requests in accordance with loan policy.
  • Review loan structures and recommend appropriate covenants and structural modifications to mitigate risk.
  • Exercise independent authority to recommend loans outside of policy guidelines when warranted.
  • Lead credit risk management activities including stress testing, financial analysis, and risk rating reviews.
  • Provide credit policy interpretation and guidance to commercial lending partners.
  • Collaborate with senior credit leadership to propose loan policy enhancements and updates.
  • Mentor banker/underwriters/portfolio managers.


Other Duties

  • Support lending staff with loan presentations and documentation within credit systems.
  • Assist in preparing quarterly and ad hoc credit and financial reports.
  • Stay current on regulatory guidance, loan policy changes, and market conditions.
  • Perform other duties as assigned.


Skills/Abilities

  • Advanced commercial credit underwriting and financial analysis skills.
  • Strong leadership, mentoring, and team management capabilities.
  • Advanced proficiency in Microsoft Excel; working knowledge of Word and Outlook.
  • Strong analytical, critical thinking, written, and verbal communication skills.
  • Ability to manage a high volume of transactions in a fast-paced, results-driven environment.

Supervisory Responsibility

This position does not have supervisory responsibilities.


Work Environment

This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.


Physical Demands

This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary.


Travel

Footprint wide travel may be required and regular visits to clients/prospects in market territory.

Education and Experience

  • Bachelor’s degree in Business, Accounting, Finance, or a related field required.
  • Five or more years of commercial credit underwriting, auditing, or tax preparation experience required.
  • Prior management or supervisory experience preferred.
  • Demonstrated experience with credit risk management, loan policy interpretation, and credit committee presentations.
  • Prior sales experience preferred.



Equal Employment Opportunity/M/F/disability/protected veteran status



Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.