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Credit Risk Jobs in Houston, TX (NOW HIRING)

Vantage Bank

Senior Loan Review Analyst

Houston, TX · On-site

The Senior Loan Review Analyst strengthens credit risk governance by promoting consistent underwriting and risk grading practices that support safe portfolio growth. They contribute to sampling ...

Hilltop Holdings

Regional Credit Officer

Houston, TX · On-site

The Regional Credit Officer executes credit risk management strategies and policies for an assigned geographic region, ensuring credit quality, sound deal structures, and compliance with bank policy.

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All JobsCredit Risk JobsCredit Risk Jobs in Houston, TX

Credit Risk information

See Houston, TX salary details

$47.7K

$104.4K

$174.8K

How much do credit risk jobs pay per year?

As of Jun 12, 2026, the average yearly pay for credit risk in Houston, TX is $104,392.00, according to ZipRecruiter salary data. Most workers in this role earn between $71,600.00 and $135,600.00 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 Houston, TX? The most popular types of Credit Risk jobs in Houston, TX are:
What are popular job titles related to Credit Risk jobs in Houston, TX? For Credit Risk jobs in Houston, TX, the most frequently searched job titles are:
What job categories do people searching Credit Risk jobs in Houston, TX look for? The top searched job categories for Credit Risk jobs in Houston, TX are:
What cities near Houston, TX are hiring for Credit Risk jobs? Cities near Houston, TX with the most Credit Risk job openings:
Credit Risk jobs near you
Infographic showing various Credit Risk job openings in Houston, TX as of June 2026, with employment types broken down into 1% As Needed, 85% Full Time, 11% Part Time, 1% Temporary, and 2% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $104,392 per year, or $50.2 per hour.
Analyst - Credit Risk Management

Analyst - Credit Risk Management

Energy Transfer Equity Lp

Houston, TX • Hybrid

Other

Retirement, PTO

Posted 15 days ago

Energy Transfer rating

9.1

Company rating: 9.1 out of 10

Based on 62 frontline employees who took The Breakroom Quiz

2nd of 74 rated oil and gas companies

Job description

Are you interested in joining our team? Chat with our digital assistant to learn more about our company and apply right from your mobile device!
Text ETP to 25000 to get started or apply through this web posting if you prefer.

Energy Transfer, recognized by Forbes as one of America's best large employers, is dedicated to responsibly and safely delivering America's energy.  We are driven to inspire our employees to create superior value for our customers, our investors, a sustainable future and giving back to the community where we have long-standing commitments to causes including MD Anderson Children's Cancer Hospital, The Salvation Army, The American Red Cross, Ronald McDonald House and many more. 

We value all of our employees who make our growth and success possible.  We are proud to offer industry leading compensation, comprehensive benefits, 401(k) match with additional profit sharing, PTO and abundant career opportunities. 

Come join our award winning over 12,000 strong organization as we fuel the world and each other!

 

Summary:

We are seeking a detailed-oriented and proactive Credit Risk Analyst to join the Energy Transfer Credit Risk Management group which reports to the Manager - Credit Risk Management. The Credit Risk Analyst will be involved in evaluating potential credit risks, administer risk mitigation strategies, maintain a robust credit profile, and engage in special projects as required. The Credit Risk Analyst will collaborate with other departments including, but not limited to: legal, commercial, and accounting to enhance risk processes, deliver analytical data-driven insights, and support the growth of Energy Transfer LP.

Essential Duties and Responsibilities:

  • Analyze and evaluate the creditworthiness of counterparties using financial statements, credit scoring models, and other data and analytic platforms.
  • Perform comprehensive credit analysis to make recommendations on credit limits.
  • Analyze entity structure to assess both individual counterparty and enterprise credit risk.
  • Accurately and timely maintain and monitor credit accounts for changes in risk status to help identify and mitigate credit risk in all of Energy Transfer's operations.
  • Maintain credit system database efficiently with counterparty names, credit support documentation, and agency/internal credit rating.
  • Implement strategies to mitigate credit risk, including appropriate collateral management such as letters of credit, margin calls, surety bonds, and liens.
  • Assist in the development and maintaining comprehensive reports and system(s).
  • Work with cross-functional teams to provide insights on credit risk and recommend and implement process improvements.
  • Identify and evaluate opportunities to provide insights and recommendations for optimizing credit risk process improvements.
  • Able to professionally, accurately and promptly respond to counterparty margin calls and requests.
  • Provide information for miscellaneous reports on an ad hoc basis.
  • Perform any other tasks as assigned.

Required Skills (External)

Requirements:

  • Bachelor's degree in Finance, Accounting, Economics, or a related field or equivalent work experience
  • Experience in wholesale credit management with financial statement analysis required or related area. 
  • Familiarity and experience with credit reporting agencies and credit risk principles.
  • Experience with credit scoring and risk management systems, models, and metrics.
  • Proficient in Excel and Word skills.
  • Excellent verbal and written skills with the ability to present complex data clearly.
  • Strong analytical and problem-solving skills to assess complex financial data.
  • Detail oriented with a strong ability to identify and mitigate potential credit risks.


Required experience is commensurate with the selected job level:

  • Analyst level requires a Bachelor's degree or equivalent work experience and 2-5 years of relevant experience

  • Senior Analyst level requires a Bachelor's degree or equivalent work experience and 5-8 years of relevant experience

Working Conditions:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

  • Usually, normal office working conditions.
  • Must be able to remain in a stationary position 50% of the time due to prolonged periods of sitting or standing.
  • Occasional travel and/or overnight travel may be required.
  • Relocation assistance will not be provided
  • Working from home is not available in this position

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