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Credit Risk Jobs in Allen, TX (NOW HIRING)

GM Financial

Risk Credit Policy Analyst II

Irving, TX · On-site

Risk Credit Policy Analyst II is responsible for analyzing credit risk exposure related to consumer and commercial loan and lease acquisition activities. The position involves conducting analysis to ...

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Credit Risk information

See Allen, TX salary details

$46.5K

$101.7K

$170.2K

How much do credit risk jobs pay per year?

As of Jul 4, 2026, the average yearly pay for credit risk in Allen, TX is $101,681.00, according to ZipRecruiter salary data. Most workers in this role earn between $69,800.00 and $132,100.00 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 Allen, TX? The most popular types of Credit Risk jobs in Allen, TX are:
What job categories do people searching Credit Risk jobs in Allen, TX look for? The top searched job categories for Credit Risk jobs in Allen, TX are:
What cities near Allen, TX are hiring for Credit Risk jobs? Cities near Allen, TX with the most Credit Risk job openings:
Credit Risk jobs near you
Infographic showing various Credit Risk job openings in Allen, TX as of June 2026, with employment types broken down into 78% Full Time, 18% Part Time, 1% Temporary, and 3% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $101,681 per year, or $48.9 per hour.
Risk Division - Dallas - Associate, Credit Risk - 9333054

Risk Division - Dallas - Associate, Credit Risk - 9333054

Goldman Sachs, Inc.

Dallas, TX • On-site

Other

This job post has expired today. Applications are no longer accepted.

Goldman Sachs rating

8.2

Company rating: 8.2 out of 10

Based on 26 frontline employees who took The Breakroom Quiz

39th of 144 rated banks

Job description

Job Duties: Associate, Credit Risk with Goldman Sachs & Co. LLC in Dallas, Texas. Assess the credit and financial strength of the firm's Natural Resources counterparts by performing fundamental credit analysis of both quantitative and qualitative credit factors. Determine and manage the firm's credit risk appetite across derivatives, loans, funding and deposits for a portfolio of Natural Resources counterparts which includes setting credit exposure limits and tracking of these limits. Approve derivative and funding transactions while ensuring appropriate documentation and risk mitigants to protect against default and minimize potential losses. Perform credit underwriting of lending transactions, contributing credit recommendations and support to the firm's capital committee approval process. Coordinate with Global Banking and Markets (GBM), Asset Wealth Management (AWM), Legal, Operations and Compliance departments to approve the transactions and ensure proper documentation. Recommend and defend internal and regulatory risk ratings for counterparts/transactions as required. This includes presenting findings and recommendations to senior management and answer questions relating to analysis performed. Proactively monitor and assess counterparts and industry subsectors including based on market indicators, regulatory guidance, rating agency commentary and counterparty surveillance and report relevant information and its impact to senior management in a timely manner.

Job Requirements: Master's degree (U.S. or foreign equivalent) in Finance, Financial Management, Accounting, Economics, or a related field and one (1) year of experience in job offered or a related role OR Bachelor's degree (U.S. or foreign equivalent) in Finance, Financial Management, Accounting, Economics, or a related field and three (3) years of experience in job offered or a related role. Prior experience must include one (1) year with master's degree  or three (3) years with bachelor's degree with the following: performing credit analysis using both quantitative and qualitative factors to assess borrower and counter party risk; navigating the Federal Reserve Bank's Shared National Credit ("SNC") program, including reviewing and assessing risks in large and complex syndicated credits shared by multiple U.S. financial Institution; applying financial analysis tools and techniques to evaluate liquidity, solvency, leverage, and profitability, and interpret how these finical ratios interrelate; evaluating credit and financial strength of borrowers and conducting fundamental credit analysis; assessing corporate performance by analyzing capital structure, cash flow trends, and financial prospects to determine intrinsic value, and conduct leveraged lending risk evaluations; utilizing derivative products and trading documentation such as ISDAs, NAESBs, WSPPs; and reviewing Commitment Papers and Credit Agreements including, the underlying transaction structure and the main credit terms involved for protecting the lender recovery prospects.

The Goldman Sachs Group, Inc., 2026. All rights reserved. Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veteran status, disability, or any other characteristic protected by applicable law. 

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About Goldman Sachs

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At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs.

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

New York, NY, US

Year founded

1869

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