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Credit Risk Jobs in Austin, TX (NOW HIRING)

Visa

Director, VCA NA Risk Practice

Austin, TX

Lead endtoend credit risk consulting initiatives, contributing to origination and closing of engagements by identifying and shaping opportunities across all VCA segments, including consumer ...

Texascapitalbank

Credit Officer

Austin, TX

Expert ability to analyze and evaluate credit risk, with expert ability to escalate recommendations and influence change * Expert ability to interact, negotiate, and influence at executive levels ...

THIRD COAST BANK

Regional Credit Officer

Austin, TX · On-site

Credit Leadership & Risk Management * Exercise delegated approval authority in accordance with Bank loan policy. * Evaluate and approve complex commercial credit requests, modifications, renewals ...

Western Alliance Bank

Senior Credit Analyst

Austin, TX

$36.74 - $45.38/hr

Review client financials and perform sensitivity analysis to evaluate credit risk in connection with Bank structures. Prepare in-depth reports providing plans of action based on qualitative and ...

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All JobsCredit Risk JobsCredit Risk Jobs in Austin, TX

Credit Risk information

See Austin, TX salary details

$49.5K

$108.3K

$181.3K

How much do credit risk jobs pay per year?

As of Jul 29, 2026, the average yearly pay for credit risk in Austin, TX is $108,327.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,300.00 and $140,700.00 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 Austin, TX? The most popular types of Credit Risk jobs in Austin, TX are:
What are popular job titles related to Credit Risk jobs in Austin, TX? For Credit Risk jobs in Austin, TX, the most frequently searched job titles are:
What job categories do people searching Credit Risk jobs in Austin, TX look for? The top searched job categories for Credit Risk jobs in Austin, TX are:
What cities near Austin, TX are hiring for Credit Risk jobs? Cities near Austin, TX with the most Credit Risk job openings:
Credit Risk jobs near you
Infographic showing various Credit Risk job openings in Austin, TX as of July 2026, with employment types broken down into 85% Full Time, 14% Part Time, and 1% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $108,327 per year, or $52.1 per hour.

Credit Analyst

University Federal Credit Union

Austin, TX • On-site

Full-time

Re-posted 12 days ago

Job description

Job Summary
The Credit Analyst supports UFCU's Lending Team and Credit Council by delivering high-quality, insight-driven analysis across consumer, mortgage, and business lending portfolios. This hybrid role blends lending analytics, credit risk evaluation, and operational reporting to enhance decision quality and ensure safe, sound, member-centric lending.
The Credit Analyst plays a pivotal role in UFCU's digital business design by synchronizing data, processes, and people across silos, improving the accuracy, transparency, and speed of credit-related decisions.
This role is ideal for someone who is analytical, structured, collaborative, and driven to improve how teams make decisions together - aligned with UFCU's culture of clarity, consistency, and empowerment.
The Credit Analyst reports to the Chief Lending Officer
About UFCU
Our Credit Union was founded in 1936 and has grown to serve members throughout Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures.
In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values:
Purposefully Member-Obsessed
We are driven by a profound sense of empathy to deeply understand our Members' needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members' best interests, forever seeking to empower their financial success.
Possibilities Reimagined
We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.
Performance Excellence Rooted in Unwavering Integrity
We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.
Essential Functions
Portfolio & Credit Analytics
  • Produce timely, accurate analytics for loan portfolios, including delinquency, charge-off trends, loan mix, exception rates, and credit tier performance.
  • Support development and maintenance of portfolio dashboards using data visualization tools (e.g., Power BI).
  • Conduct trend analysis on credit quality, origination, risk migration, and evaluate performance of scoring models to enhance credit decisioning.
  • Provide underwriting and pricing insights based on risk-adjusted return and member behavior metrics.

Credit Council Packet & Reporting
  • Own preparation of the quarterly Credit Council packet with CLO.
  • Validate all KRIs and KPIs for accuracy, completeness, and consistency with Enterprise Risk Management.
  • Partner with Lending, Finance, and Compliance to ensure reports reflect up-to-date policy, regulatory, and CECL considerations
  • Present analytical findings clearly and tactfully to support strong cross-functional discussion.

Risk Management & Compliance Support
  • Assist in CECL modeling inputs, stress-testing routines, and static pool performance analysis.
  • Help ensure compliance with NCUA requirements and internal policy standards through data and analytic support.
  • Support independent loan review preparation and quality control metrics.

Cross-Functional Collaboration
  • Work closely with internal partners (Lending, ERM, Finance, Compliance, Technology) to ensure data alignment and decision-quality improvements.
  • Demonstrate strong relational skills and tactful communication to support constructive, trust-centered dialogue.
  • Serve as a connector across silos, enabling decision coordination and shared understanding in support of UFCU's digital business design.

Process Enhancement & Innovation
  • Recommend improvements to underwriting standards, exception processes, and automated decisioning rules based on data insights.
  • Identify data gaps and propose enhancements to systems, reporting structures, and workflows.
  • Support development of a scalable analytics framework that adapts to UFCU's evolving lending strategies and digital offerings.

Other
  • Adheres to all company policies, procedures, and business ethics codes.
  • Completes required regulatory training as assigned.
  • Maintains strict adherence to and compliance with all laws, rules, regulations, and internal controls specific to the role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations.

Knowledge/Skills/Abilities
Knowledge
  • Deep understanding of credit risk principles, financial statement analysis, and regulatory requirements.
  • Familiarity with credit risk models, loan origination systems, and specialized risk assessment software.

Skills
  • Strong proficiency with Excel and experience with SQL and business intelligence tools (e.g., Power BI, Tableau).
  • Familiarity with CECL methodologies, loan origination systems, and portfolio management tools.
  • Strong quantitative reasoning and ability to synthesize complex information into clear, actionable insights.

Abilities
  • High personal standards, discipline, and follow-through.
  • Analytical discernment - able to evaluate ideas and proposals with balanced, practical judgment.
  • Relationship-oriented communicator who builds trust across teams.
  • Calm, steady presence with resilience under pressure.
  • Commitment to UFCU's member-centric mission and collaborative culture.

Core Competencies
  • Demonstrating Member Obsession
  • Puts themselves in the Member's shoes
  • Looks for friction points
  • Makes it personalized and easy
  • Demonstrating Performance Excellence
  • Sets standards for elevating excellence
  • Ensures elevated quality
  • Takes responsibility
  • Conducts continuous improvement
  • Demonstrating Innovation
  • Challenges current thinking
  • Approaches change with a positive mindset

Experience
Minimum Requirements
  • Bachelor's degree in Finance, Economics, Business, Data Analytics, or a related field required.
  • Minimum 2-4 years of experience in lending, credit analytics, risk management, or financial analysis.
  • Strong analytical and quantitative skills, with proficiency in portfolio analysis, risk modeling, and operational reporting.
  • Experience with data analytics tools and reporting platforms (e.g., Excel, SQL, Tableau, Power BI); experience with digital lending tools is a plus.
  • Advanced Excel, SQL, Power BI, Tableau.
  • Experience in a credit union or regulated financial institution.
  • Must be bondable.

Preferred Requirements
  • DataBricks or Snowflake experience.

Physical Demands
The physical demands described are representative of those that must be met by an employee, with or without accommodation, to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Frequent
  • While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
  • Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and ability to adjust focus.
  • Employee will make extensive use of the telephone and virtual communications requiring the ability to explain complex information effectively and accurately.

Work Environment
The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.
  • This position is a hybrid role and requires frequently working onsite at UFCU Plaza in Austin, Texas.
  • This position may involve periodic stressful conditions.
  • May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
  • May occasionally move from one work location/branch to another.
  • Public contact position, requiring appropriate professional appearance.
  • Frequent computer use at a workstation of up to two hours at a time.
  • The noise level in the work environment is usually

#INDUFCU
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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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