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Credit Risk Jobs in Houston, TX (NOW HIRING)

Golden Bank NA

Credit Administrator

Houston, TX · On-site

Ensure that credits are accurately risk graded, appropriately structured, and that sources of repayment and key credit risks are accurately identified and mitigated as appropriate * Monitor past due ...

BrandSafway

Credit Analyst

Dickinson, TX · Hybrid

$63K - $68K/yr

In this role, you will work alongside experienced finance leaders to evaluate customer credit risk, analyze financial information, and support business decisions that help protect the company ...

New

BrandSafway

Credit Analyst

Dickinson, TX · On-site

$63K - $68K/yr

In this role, you will work alongside experienced finance leaders to evaluate customer credit risk, analyze financial information, and support business decisions that help protect the company ...

Gunvor

Senior Credit Analyst

Houston, TX · On-site

Leveraging its extensive expertise in financial, credit and risk analysis, Gunvor Credit ensures that credit exposure to our counterparties are managed within Gunvor's risk appetite. Given this ...

Gunvor

Senior Credit Analyst

Houston, TX · On-site

Leveraging its extensive expertise in financial, credit and risk analysis, Gunvor Credit ensures that credit exposure to our counterparties are managed within Gunvor's risk appetite. Given this ...

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Showing results 1-20

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.
Credit Administrator

Credit Administrator

Golden Bank NA

Houston, TX • On-site

Full-time

Posted 10 days ago

Job description

Job Function

  • Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
  • Maintain the integrity of the credit management process by enforcing Bank policies and procedures
  • Review new and renewed loans before loan committee, attend loan committee meetings and discuss new and renewed loans.
  • Aggregate and evaluate data related to credit and credit risk to support organizational decision-making
  • Ensure that credits are accurately risk graded, appropriately structured, and that sources of repayment and key credit risks are accurately identified and mitigated as appropriate
  • Monitor past due and matured loan reports to ensure proper actions are being taken. Review maturing loan reports to assist loan officers with avoidance of administrative delinquencies. Identify all material changes and potential for risk rating downgrade.
  • Provide credit review and evaluation for assigned commercial borrowers in support of Bank’s credit activities.
  • Review real estate appraisals and prepares an appraisal review form as needed. Must have general knowledge how to interpret appraisals
  • Additional duties as assigned as it relates to the position

Knowledge, Skills & Abilities

  • Broad knowledge of regulatory requirements and standards applicable to commercial lending, commercial real estate and residential mortgage products.
  • Superior credit analysis skills
  • Strong commercial underwriting skills
  • Ability to logically assess and address potential risks and uncertainties
  • Ability to work independently
  • Strong analytical and problem-solving skills
  • Strong verbal and written communication skills
  • Attention to details and accuracy
  • Strong organizational skills.
  • Ability to communicate with 3rd party vendors (eg. Appraisal companies & ESA companies)-Added

Professional Experience

  • 4 to 10 years of experience in commercial lending (C&I and CRE) including underwriting and approval, with at least 2 years in commercial banking or commercial real estate loan production-Requesting 5-10 years-Added
  • at least 5 years in a credit approval function with a commercial bank preferred.