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Credit Risk Jobs in Miami, FL (NOW HIRING)

ITTConnect

Credit Policy Specialist (Banking)

Miami, FL · On-site

... risk and policy across diverse market environments, as well as a proven ability to lead complex projects from inception to completion Requirements * 5 - 10 years of experience in banking / credit ...

OneSearch Group

Senior Credit Analyst

Miami, FL

The ideal candidate brings deep underwriting expertise, strong financial analysis skills, and the ability to independently evaluate credit risk while partnering closely with Credit leadership.

Banesco USA

SVP, SBA Senior Credit Officer

Miami, FL · On-site

Risk Management: Direct internal credit ratings, validate third-party reports (Appraisals, Site Visits), and manage workout plans, deferments, and collateral valuations. * Reporting & Audit: Serve as ...

AT&T

Manager-Credit/Collections

Miami, FL

$70K - $106K/yr

Credit Risk Assessment: Evaluate the creditworthiness of current and potential customers by reviewing financial statements, credit reports, and other relevant data to determine credit risk.

Banesco USA

SVP, SBA Senior Credit Officer

Miami, FL · Hybrid

Risk Management: Direct internal credit ratings, validate third-party reports (Appraisals, Site Visits), and manage workout plans, deferments, and collateral valuations. * Reporting & Audit: Serve as ...

AT and T

Manager-Credit/Collections

Miami, FL · On-site

$70K - $106K/yr

Key Responsibilities: • Credit Risk Assessment: Evaluate the creditworthiness of current and potential customers by reviewing financial statements, credit reports, and other relevant data to ...

BMG Money

Sr. Risk Analyst

Miami, FL · Hybrid

Minimum of 2 years of direct experience in Risk Management (Operational Risk or Credit Risk) with focus on Billing and Payments risk management and optimization. * Minimum of 5 years of professional ...

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All JobsCredit Risk JobsCredit Risk Jobs in Miami, FL

Credit Risk information

See Miami, FL salary details

$47.8K

$104.6K

$175K

How much do credit risk jobs pay per year?

As of Jun 15, 2026, the average yearly pay for credit risk in Miami, FL is $104,553.00, according to ZipRecruiter salary data. Most workers in this role earn between $71,700.00 and $135,800.00 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 Miami, FL? The most popular types of Credit Risk jobs in Miami, FL are:
What are popular job titles related to Credit Risk jobs in Miami, FL? For Credit Risk jobs in Miami, FL, the most frequently searched job titles are:
What job categories do people searching Credit Risk jobs in Miami, FL look for? The top searched job categories for Credit Risk jobs in Miami, FL are:
What cities near Miami, FL are hiring for Credit Risk jobs? Cities near Miami, FL with the most Credit Risk job openings:
Credit Risk jobs near you
Infographic showing various Credit Risk job openings in Miami, FL as of June 2026, with employment types broken down into 100% Full Time. Highlights an 85% In-person, and 15% Remote job distribution, with an average salary of $104,553 per year, or $50.3 per hour.
Wholesale Portfolio Risk Officer

Wholesale Portfolio Risk Officer

City National Bank of Florida

Miami, FL • On-site

Full-time

Posted 23 days ago

Job description

Overview
The Wholesale Portfolio Risk Officer, ensures the overall quality of the portfolio is maintained. Handles the client's financial needs, ensuring that the overall client experience is favorable and that the bank is in a position to expand the relationship. Takes the lead where debt product opportunities are identified and is accountable for all aspects of due diligence, underwriting, structuring and preparing the credit package for review and approval. Interfaces directly with the client and participates in building the client relationship. Additionally, to maintaining and updating as necessary credit policy and underwriting guidelines for debt products for this line of business.
Principal Duties & Responsibilities:
  • Primary duties and responsibilities include Commercial and Industrial Underwriting and Commercial Real estate renewals and opening of new loans to render a lending decision, portfolio loans while maintaining quality control of new loans which is essential to the sound business operations of the bank.
  • Given the lack of automated systems and lack of automated preliminary decisions by scheduled systems for portfolio loans, you will be responsible to make sound decisions within own lending authority and makes recommendations for loans requiring exception approval authority, based on your own independent analysis and interpretations of cash flows, and banking lending risk guidelines (100% manual non-automated portfolio- Commercial, Industrial Underwriting; Consumer Underwriting and Commercial Real Estate underwriting).
  • Responsible for the ongoing management of the Wholesale Risk portfolios including underwriting.
  • Manages relationships via a master portfolio report for tracking all renewals, annual reviews, servicing events, covenant checks and borrowing base reports by relationship.
  • Makes independent decisions on the creditworthiness of commercial clients of the Bank which includes: determining financial trends based on financial analysis; determining appropriate credit grading; determining, negotiating and finalizing appropriate credit structures; and providing independent recommendation of final credit decisions as per the Bank's credit policies and guidelines.
  • Work closely with lines of business to obtain supporting information and data to develop a consistent view of portfolio trends.
  • Drives analysis of wide-ranging business risks that have financial impact and provide insight into trends in portfolio performance and profitability.
  • Monitors portfolio activity for the following:
  • 180 day Maturing Report
  • Upcoming and Past Due Servicing tickler reports
  • Upcoming and Past Due Financial Statement tickler reports
  • Interface with Collateral Control Department for monthly borrowing base reports and field exams as required per loan approvals
  • ACH Expiration Report
  • Remote Deposit Capture Report
  • Monthly Reconciliation of the loan policy exception waivers
  • Coordinates the requisition of upcoming financial statement requirements from clients in conjunction with Wholesale Banking Relationship managers.
  • Provides appropriate lead time to ensure compliance and to coordinate renewal or servicing timeframes are met.
  • Manages high volumes of documents (financial statements) for upcoming portfolio events until documents have been reviewed, ticklers updated and uploaded in Web Director.
  • Attends joint appointments.
  • Required to visit Clients at place of business.

Qualifications
  • 5-10 years of small business banking credit risk and some small business lending experience.
  • Completion of formal credit training.
  • Strong communication and analytical/technical skills are required, including financial accounting and loan structuring.
  • Demonstrated business calling and negotiation experience are necessary.
  • Exposure to multiple business lines is required with experience at handling more complex transactions.
  • Good interpersonal skills are required to deal with banking professionals with various skill sets, risk management staff, clients and auditors.

Education
  • Bachelor's Degree in business or any related major.

Special Instructions to Candidates
City National Bank of Florida is an Equal Opportunity Employer and is committed to providing equal employment opportunities to all applicants. We do not discriminate on the basis of race, color, religion, sex, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other status protected under federal, state, or Florida law. City National Bank of Florida complies with the Americans with Disabilities Act (ADA) and applicable Florida laws. Qualified individuals with disabilities who require a reasonable accommodation in order to complete the online application or participate in the hiring process may contact our Human Resources Talent Attraction Department talent.attraction@citynational.com.

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