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Credit Risk Jobs in Rockwall, TX (NOW HIRING)

Chase

Environmental Credit Risk Sr Officer

Plano, TX · On-site

Environmental Credit Risk Associate Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the ...

T-Mobile

Analyst, Credit Risk Mgmt - Strategy

Frisco, TX · On-site

$83K - $151K/yr

As an Analyst within the Credit Risk Management team, you will wear multiple hats. You will use your strong blend of analytical skills, project management, presentation skills, and ability to develop ...

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All JobsCredit Risk JobsCredit Risk Jobs in Rockwall, TX

Credit Risk information

See Rockwall, TX salary details

$46.5K

$101.6K

$170.1K

How much do credit risk jobs pay per year?

As of Sep 12, 2026, the average yearly pay for credit risk in Rockwall, TX is $101,635.00, according to ZipRecruiter salary data. Most workers in this role earn between $69,700.00 and $132,000.00 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 popular job titles related to Credit Risk jobs in Rockwall, TX?

For Credit Risk jobs in Rockwall, TX, the most frequently searched job titles are:

What cities near Rockwall, TX are hiring for Credit Risk jobs?

Cities near Rockwall, TX with the most Credit Risk job openings:

Credit Risk jobs near you
Infographic showing various Credit Risk job openings in Rockwall, TX as of August 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $101,635 per year, or $48.9 per hour.

Manager, Trading Credit Risk (Margin & Options)

Dallas, TX

Altruist
Finance and Insurance • 11 - 50 employees
Learn more about Altruistexternal

Full-time

Posted 9 days ago

Job description

The opportunity

Altruist is launching and scaling Margin and Options, two of the most risk-intensive capabilities at a modern custodian. We're hiring a Manager, Trading Credit Risk (Margin & Options) to own the credit and market risk framework that keeps these products safe: house margin requirements, stress testing, concentration and liquidity surveillance, and the escalation decisions that protect clients and the firm.

This role sits within the Trading & Brokerage Operations organization and reports to [reporting manager]. It is an individual contributor role, not a people leadership role. You will own the credit risk function end to end, write the playbook, and set the standard that a future team will run. It is built for someone who aspires to lead and wants to earn that seat by building the function first.

If you want to own the risk framework behind margin and options at a fast-growing custodian, with a clear path toward leadership, this role offers meaningful scope.

What you'll do

As Manager, Trading Credit Risk (Margin & Options), you will be accountable for identifying, measuring, and acting on credit and market risk across margin and options accounts. You will also be a core builder: deeply embedded with Product and Engineering as risk controls are designed, tested, and launched.

Margin & Credit Risk Oversight

  • Own daily credit risk surveillance across margin accounts using Stream Credit Monitor (SCM) and Sterling Risk Monitor (SRM)
  • Design, calibrate, and maintain house margin requirements, including security-level and account-level add-ons
  • Monitor concentration, liquidity, and volatility risk and run stress scenarios on the book
  • Set and maintain collateral treatment across security types, including haircuts, liquidity tiers, and concentration limits for fixed income positions held as margin collateral
  • Approve margin requirement changes, extensions of time, and exception cases, and own the rationale behind each decision
  • Review debit balance trends and escalate accounts approaching liquidation thresholds
  • Direct the Trade Desk on liquidation decisions, sequencing, and timing when accounts must be brought back into compliance

Options Risk Oversight

  • Own expiration-day and in-the-money (ITM) risk reviews, including assignment and exercise exposure
  • Review and drive resolution of uncovered or at-risk options positions
  • Monitor OCC margin outputs (STANS), spread files, and specific deposits, partnering with Operations on mitigation
  • Assess the risk impact of proposed options level expansions and new strategies

Regulatory & Control Responsibilities

  • Ensure the risk framework complies with Regulation T, FINRA Rule 4210 (margin requirements), and FINRA Rule 2360 (options)
  • Define and monitor key risk indicators (KRIs) and produce recurring risk reporting for leadership
  • Lead root-cause analysis on credit events, near-misses, and control failures, and drive remediation
  • Maintain documentation and evidence supporting risk decisions for audits, exams, and regulatory reviews

Build & Scale

  • Partner with Product and Engineering to embed risk controls, alerts, and automation into the platform from day one
  • Reduce manual surveillance through better tooling, and identify where AI can improve exception triage, stress analysis, and risk documentation
  • Support product launches and future expansions, including higher options levels and expanded margin use cases

What you bring

We're seeking a credit risk specialist who combines quantitative rigor with practical broker-dealer judgment, and who wants to grow into leadership.

Experience & Expertise

  • 5+ years of experience in credit risk, margin risk, or market risk at a broker-dealer, clearing firm, or custodian
  • Hands-on experience with margin methodologies, house requirements, stress testing, and concentration analysis
  • Strong working knowledge of options risk, including assignment/exercise exposure, expiration risk, and strategy-based margin
  • Demonstrated experience making and defending time-sensitive risk decisions

Technical & Regulatory Fluency

  • Strong knowledge of Regulation T, FINRA Rule 4210, and FINRA Rule 2360
  • Experience with platforms such as FIS Phase 3, Stream Credit Monitor (SCM), Sterling Risk Monitor (SRM), and OCC tools (ENCORE, STANS outputs)
  • Strong analytical skills; advanced Excel required and SQL or Python a plus
  • Strong documentation and audit readiness discipline

Licensing

  • FINRA Series 7 and Series 63 required
  • Series 4 (Registered Options Principal) required, or must be obtained within 90 days of employment
  • Series 57 a plus, or willingness to obtain
  • Series 24 a plus, and a natural next step given the leadership trajectory of this role

Skills & Mindset

  • High ownership mentality: you treat the risk framework as yours to build, run, and defend
  • Aspires to people leadership and demonstrates it now through mentoring, documentation, and raising the bar for others
  • Genuinely curious about AI: you actively experiment with AI tools to triage exceptions, analyze risk data, draft documentation, and automate repetitive surveillance, and you want to help define how AI is used in credit risk
  • Calm, decisive judgment under pressure, especially during volatility and expiration events
  • Clear communicator who can explain complex risk concepts to Trading, Compliance, Product, and advisors
  • Comfortable building structure in ambiguity as products launch and scale

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