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Credit Risk Jobs in Phoenix, AZ (NOW HIRING)

QXO

Credit Director

Glendale, AZ · On-site

QXO is seeking a Credit Director to lead credit strategy, risk management, and accounts receivable performance while supporting profitable business growth. This role will oversee a team of Credit ...

QXO

Credit Director

Glendale, AZ · On-site

QXO is seeking a Credit Director to lead credit strategy, risk management, and accounts receivable performance while supporting profitable business growth. This role will oversee a team of Credit ...

Expeditors

Credit Specialist

Scottsdale, AZ

Review financial statements to assess risk and assign appropriate credit ratings * Maintain and monitor a portfolio of high-risk accounts, ensuring timely follow-up, documentation, and proactive ...

Expeditors

Credit Specialist

Scottsdale, AZ · On-site

Review financial statements to assess risk and assign appropriate credit ratings * Maintain and monitor a portfolio of high-risk accounts, ensuring timely follow-up, documentation, and proactive ...

Expeditors

Credit Specialist

Scottsdale, AZ

Review financial statements to assess risk and assign appropriate credit ratings * Maintain and monitor a portfolio of high-risk accounts, ensuring timely follow-up, documentation, and proactive ...

Western Alliance Bank

Credit Analyst

Mesa, AZ · On-site

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 ...

Tradition Capital Bank

Credit Analyst

Scottsdale, AZ · On-site

$100K - $150K/yr

Prepare financial spreads and credit presentations that sufficiently and appropriately summarize the sources of repayment using a risk-based approach. Demonstrate experience in analyzing and ...

Tradition Capital Bank

Credit Analyst

Scottsdale, AZ · On-site

$100K - $150K/yr

Prepare financial spreads and credit presentations that sufficiently and appropriately summarize the sources of repayment using a risk-based approach. Demonstrate experience in analyzing and ...

City National Bank

Portfolio Manager I sp

Phoenix, AZ · On-site

$44.28 - $75.42/hr

Provide comprehensive credit recommendations and presentations to key risk partners related to prospect(s) and existing clients of the bank (including moderate to complex new credit structures ...

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All JobsCredit Risk JobsCredit Risk Jobs in Phoenix, AZ

Credit Risk information

See Phoenix, AZ salary details

$47.8K

$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 Phoenix, AZ is $104,398.00, 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 Phoenix, AZ? The most popular types of Credit Risk jobs in Phoenix, AZ are:
What are popular job titles related to Credit Risk jobs in Phoenix, AZ? For Credit Risk jobs in Phoenix, AZ, the most frequently searched job titles are:
What job categories do people searching Credit Risk jobs in Phoenix, AZ look for? The top searched job categories for Credit Risk jobs in Phoenix, AZ are:
Credit Risk jobs near you
Infographic showing various Credit Risk job openings in Phoenix, AZ as of June 2026, with employment types broken down into 93% Full Time, and 7% Contract. Highlights an 80% In-person, 7% Hybrid, and 13% Remote job distribution, with an average salary of $104,398 per year, or $50.2 per hour.

Credit Director

QXO

Glendale, AZ • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 13 days ago

QXO rating

8.0

Company rating: 8.0 out of 10

Based on 37 frontline employees who took The Breakroom Quiz

83rd of 338 rated retail wholesalers

Job description

Overview

QXO, Inc. (NYSE: QXO) is the largest publicly traded distributor of roofing, waterproofing, and related products, and the second largest publicly traded distributor of lumber and building materials in North America. QXO is the fastest growing company in the $800 billion building products distribution industry and plans to become the tech-enabled leader by delivering best-in-class customer satisfaction and outsized returns for its shareholders. The company is targeting $50 billion in annual revenues within the next decade through accretive acquisitions and organic growth.

QXO is seeking a Credit Director to lead credit strategy, risk management, and accounts receivable performance while supporting profitable business growth. This role will oversee a team of Credit Managers, partner closely with Sales and customers, and drive disciplined credit decision-making across a growing portfolio. The ideal candidate brings strong leadership experience, commercial acumen, and a proven ability to balance risk management with customer-focused growth initiatives.

What you will do:
  • Partner closely with Sales and key customers to support revenue growth while maintaining disciplined credit risk management
  • Serve as a senior, client-facing leader-building relationships with strategic accounts and resolving complex credit issues
  • Establish and execute credit strategies, policies, and procedures that balance risk and growth
  • Lead, coach, and develop a team of Credit Managers, ensuring strong performance, consistency, and alignment with company goals
  • Oversee credit underwriting decisions, including large or complex transactions and exceptions to policy
  • Monitor and manage overall accounts receivable performance, including DSO, delinquency trends, and bad debt
  • Drive proactive risk assessment and ensure timely updates to customer credit profiles
  • Lead negotiations on high-risk or delinquent accounts to minimize losses and preserve customer relationships
  • Oversee third-party collections, legal escalations, lien/bond processes, and bankruptcy activities
  • Deliver regular reporting and insights to senior leadership on credit performance, risk exposure, and portfolio health
  • Partner cross-functionally with Finance, Sales, Operations, and Legal to support scalable growth
  • Champion process improvements, systems enhancements, and best practices across the credit function
What you will bring:
  • 10+ years of progressive experience in credit, collections, or financial risk management
  • Proven leadership experience managing and developing high-performing teams (including managing managers)
  • Strong business acumen with the ability to balance risk management and commercial growth objectives
  • Excellent interpersonal and communication skills, with a demonstrated ability to influence both internal stakeholders and external customers
  • Experience working in a client-facing capacity and partnering closely with Sales teams
  • Deep understanding of accounts receivable management, credit underwriting, and risk assessment
  • Experience in manufacturing, retail, construction or related industry a plus
  • Working knowledge of accounting and finance principles; familiarity with lien and bond processes is a plus
  • Strong analytical, negotiation, and problem-solving skills
  • Proficiency in Microsoft Office Suite and credit/ERP systems
  • Bachelor's degree in Business, Finance, or a related field preferred
  • Willingness to travel occasionally for customer and business needs
What you will earn:
  • 401(k) with employer match  
  • Medical, dental, and vision insurance 
  • PTO, company holidays, and parental leave 
  • Paid training and certifications 
  • Legal assistance and identity protection 
  • Pet insurance 
  • Employee assistance program (EAP) 

QXO is an Equal Opportunity Employer. We value diversity and do not discriminate on the basis of race, color, religion, gender or sexual orientation, national origin, age, disability, or any other protected status. 

Employment Type: FULL_TIME

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