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Credit Risk Jobs in West Chester, PA (NOW HIRING)

Continental Finance

Credit Risk Analyst

Wilmington, DE · Hybrid

Perform credit risk analysis to support targeting, offer strategy, and campaign decisioning. * Monitor campaign performance, including response, approval, and early credit indicators. * Identify ...

Sallie_mae

Director, Credit Risk

Newark, DE

What You'll Contribute TheDirector, Credit Risk serves as a key leader within the Second Line of Defense (2LOD), providing independent oversight, credible effective challenge, and governance support ...

Vanguard Group, Inc.

Credit Risk Lead

Malvern, PA · On-site

The Credit Risk Analyst role will primarily focus on expanding coverage of securities lending and banking relationships for the Personal Wealth (PW) Division, supporting key enterprise priorities.

Vangard, Inc.

Credit Risk Lead

Malvern, PA

The Credit Risk Analyst role will primarily focus on expanding coverage of securities lending and banking relationships for the Personal Wealth(PW)Division, supporting key enterprise priorities. This ...

Sallie Mae

Director, Credit Risk

Newark, DE · On-site

What You'll Contribute The Director, Credit Risk serves as a key leader within the Second Line of Defense (2LOD), providing independent oversight, credible effective challenge, and governance support ...

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All JobsCredit Risk JobsCredit Risk Jobs in West Chester, PA

Credit Risk information

See West Chester, PA salary details

$47.4K

$103.5K

$173.3K

How much do credit risk jobs pay per year?

As of Aug 19, 2026, the average yearly pay for credit risk in West Chester, PA is $103,522.00, according to ZipRecruiter salary data. Most workers in this role earn between $71,000.00 and $134,500.00 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 popular job titles related to Credit Risk jobs in West Chester, PA?

For Credit Risk jobs in West Chester, PA, the most frequently searched job titles are:

What job categories do people searching Credit Risk jobs in West Chester, PA look for?

The top searched job categories for Credit Risk jobs in West Chester, PA are:

What cities near West Chester, PA are hiring for Credit Risk jobs?

Cities near West Chester, PA with the most Credit Risk job openings:

Credit Risk jobs near you
Infographic showing various Credit Risk job openings in West Chester, PA as of August 2026, with employment types broken down into 83% Full Time, 16% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $103,522 per year, or $49.8 per hour.

Director, Credit Risk

SMB Shared Services, Inc.

Newark, DE • On-site

$100 - $130/hr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 13 days ago

Job description

When you join Sallie Mae, you become a champion for all students. We’re on a mission to power confidence as students begin their unique journey and to help them plan their higher education, successfully finish, and prepare for life after school. Our values emphasize impact, collaboration and continuous learning.

Responsibilities
  • Oversee and manage credit risk management strategies to ensure credit risks are properly assessed, monitored and mitigated.
  • Establish and maintain an effective credit risk framework, including assessment methodologies, risk appetite, limits and mitigation strategies.
  • Evaluate and analyze credit risk exposure across various business lines, products and customer segments.
  • Conduct comprehensive credit risk assessments and provide recommendations to senior management and the Board of Directors.
  • Monitor and review credit portfolios to identify emerging risks, trends and potential areas of concern.
  • Collaborate with internal stakeholders (originations, sales, finance teams) to integrate credit risk considerations into business decisions and processes.
  • Develop and implement credit risk monitoring tools and systems to enhance risk identification, measurement and reporting.
  • Foster relationships with external stakeholders – credit rating agencies, auditors and regulators – to ensure effective communication and collaboration on credit risk matters.
Minimum Qualifications
  • Strong knowledge of credit risk principles, methodologies and regulatory requirements.
  • Demonstrated experience developing and implementing credit risk management frameworks, policies and procedures.
  • Proven ability to analyze complex credit portfolios and assess credit risk exposure.
  • Excellent understanding of financial statements, financial analysis and risk assessment techniques.
  • Experience managing and leading a team of credit risk professionals.
  • Exceptional analytical and problem‑solving skills with the ability to think strategically and make informed decisions.
Preferred Qualifications
  • Bachelor’s degree in finance, economics, business administration or a related field.
  • 7+ years of experience in credit risk management within the financial services industry, focusing on corporate or commercial lending.
Benefits
  • Competitive base salaries and bonus incentives.
  • Generous PTO, floating holidays and 12 federal holidays.
  • Support for financial wellbeing and retirement – 401(k) with employer match.
  • Comprehensive medical, dental, vision, hospital indemnity, critical illness and pet insurance.
  • Employer paid short‑term and long‑term disability and basic life insurance.
  • Flexible hybrid working arrangements.
  • Paid parental leave and adoption reimbursement programs.
  • On‑site staffed fitness centers (in Delaware) and gym subsidy outside Delaware.
  • Confidential counseling support (EAP), health advocacy services and wellness programs with financial incentives.
  • Tuition reimbursement and family scholarship programs.
  • Career development and training opportunities.
Americans with Disabilities Act

Reasonable accommodations are available for applicants with disabilities in all phases of the application and employment process.

Equal Opportunity Statement

Sallie Mae is proud to be an equal opportunity (EEO) employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, age, genetic information, disability, veteran status or any other characteristic protected by federal, state or local law.

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