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Credit Risk Jobs in Houston, TX (NOW HIRING)

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.

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.

Smith-c210cb62

Credit KYC Compliance Analyst

Houston, TX · On-site

$65 - $95/hr

Assign or support assignment of customer risk ratings based on credit, compliance, geographic, ownership, industry, and transaction-risk factors.Conduct enhanced due diligence (EDD) for high-risk ...

Smith

Credit KYC Compliance Analyst

Houston, TX · On-site

$70 - $100/hr

Assign or support assignment of customer risk ratings based on credit, compliance, geographic, ownership, industry, and transaction-risk factors.Conduct enhanced due diligence (EDD) for high-risk ...

Haynes and Boone, LLP

Credit Analyst

Houston, TX · On-site

This exempt position is responsible for performing timely, thorough client credit reviews and risk assessments to support informed business intake, billing, and collections decisions across the firm.

EDF Trading Limited

Credit Analyst

Houston, TX · On-site

Credit is a strategic function whose primary role is to manage the credit risk associated with commercial activities. Responsibilities: * Perform financial analysis to assess the creditworthiness of ...

THIRD COAST BANK

Regional Credit Officer

Humble, 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 ...

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Showing results 41-60

All JobsCredit Risk JobsCredit Risk Jobs in Houston, TX

Credit Risk information

See Houston, TX salary details

$47.7K

$104.3K

$174.7K

How much do credit risk jobs pay per year?

As of Sep 5, 2026, the average yearly pay for credit risk in Houston, TX is $104,343.00, according to ZipRecruiter salary data. Most workers in this role earn between $71,600.00 and $135,500.00 per year, depending on experience, location, and employer.

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 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 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 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.

Do you need a degree to be a credit risk analyst?

A degree is often preferred for credit risk analyst positions, with many employers seeking candidates with a bachelor's degree in finance, economics, or related fields. However, some roles may accept relevant work experience or certifications like the Financial Risk Manager (FRM) in lieu of a degree. Strong analytical skills and knowledge of credit analysis tools are also important for this role.

How to start a career in credit risk?

To start a career in credit risk, obtain a bachelor's degree in finance, economics, or a related field, and develop strong analytical and quantitative skills. Gaining experience through internships or entry-level roles in banking, finance, or risk management helps build relevant expertise, and earning certifications like the Financial Risk Manager (FRM) can enhance job prospects.

What is the average salary of a credit risk analyst?

The average salary of a credit risk analyst typically ranges from $60,000 to $85,000 per year, depending on experience, location, and industry. Professionals in this role often require strong analytical skills and knowledge of financial modeling tools.

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 August 2026, with employment types broken down into 1% As Needed, 88% Full Time, 9% Part Time, and 2% Contract. Highlights an 88% Physical, 4% Hybrid, and 8% Remote job distribution, with an average salary of $104,343 per year, or $50.2 per hour.

Regional Credit Officer

Hilltop Holdings

Houston, TX • On-site

Full-time

Re-posted 26 days ago

Job description


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. This role reviews and approves credit requests across all loan types within the region, partners closely with lending teams, and provides guidance on structuring, pricing, and risk mitigation. The Regional Credit Officer serves as a key risk steward, supporting portfolio performance and consistent credit standards
Responsibilities
  • Oversees the regional loan portfolio, including monitoring concentrations, emerging risks, portfolio trends, and overall credit quality to ensure alignment with the bank's risk appetite.
  • Utilizes financial statement analysis, company and industry information, and client conversations to identify risk on loans and mitigate; recommends cross-sell opportunities and pre-approvals. Documents declines, including any related discussion pertinent to the decision.
  • Partners with relationship management team (relationship managers, portfolio managers, credit analysts) to provide feedback on proper loan structuring and pricing to ensure long-term asset quality.
  • Works with the lending team to ensure that new and existing loans are properly documented, compliant to regulation, properly structured and lien positions are appropriately perfected.
  • Participate in customer calls and prepare client presentation materials as requested by relationship management team. Provide credible challenge and constructive feedback on client selection.
  • Approve or reject loans within delegated authority and approved risk limits including where difficult questions of policy or credit risk may be involved.
  • Participates in various meetings, such as loan committee meetings, portfolio reviews, asset quality meetings, etc.to ensure credit standards are following across the assigned portfolio.
  • Provide guidance to the credit and lending staff on the interpretation of current, new and pending laws, regulations and industry changes that affect the organization's credit practices and regulatory exposure.
  • Keeps the Senior Credit Officers, Chief Credit Officer and lending leadership informed of any material considerations affecting the loan portfolio, loan policy, regulatory compliance and performance of managed portfolio.
  • Recommends any updates and changes to the Bank's credit procedures to protect the asset quality of the bank and to create operational efficiencies.
  • Actively participates in and completes all assigned training and development sessions/initiatives.
  • Other duties as required.

Qualifications
  • Bachelor's degree in Business or related field required. Accounting or Finance degree strongly preferred.
  • Minimum 5 years of progressive experience in commercial credit analysis with exposure to various loan types, sizes, and complexities
  • Demonstrated knowledge of credit administration and analysis, credit risk assessment as well as banking laws and regulations/regulatory requirements
  • Ability to interface effectively and professionally with senior/executive level management.
  • Proficient in the communication of technical information both verbally and in writing to both technical and non-technical audiences.
  • Ability to travel in order to develop and maintain customer base and attend training/development sessions.
  • Ability to work after Bank operating hours and/or on the weekend.
  • Must have excellent judgement and decision-making skills with the ability to effectively resolve escalated concerns from the staff and stakeholders.
  • Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
  • Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
  • Must be self-motivated with strong initiative, accountability, and attention to detail.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.
About Us
PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.
Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.
PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.
PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.
To learn more, please visit us online at plainscapital.com/about.

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