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Entry Level Credit Risk Analyst Jobs in Washington

TD Bank Group

CSB Credit Specialist II - ICRE

Vienna, VA · On-site

$132K - $198K/yr

Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and ...

TD Bank Group

CSB Credit Specialist II - ICRE

Vienna, VA · On-site

$132K - $198K/yr

Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and ...

New

Td

CSB Credit Specialist II - ICRE

Vienna, VA

$132K - $198K/yr

Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and ...

TD Bank

CSB Credit Specialist II - ICRE

Vienna, VA · On-site

$132K - $198K/yr

Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and ...

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Entry Level Credit Risk Analyst information

See Washington salary details

$41.9K

$129K

$223.7K

How much do entry level credit risk analyst jobs pay per year?

As of Jun 9, 2026, the average yearly pay for entry level credit risk analyst in Washington is $128,981.00, according to ZipRecruiter salary data. Most workers in this role earn between $93,400.00 and $159,100.00 per year, depending on experience, location, and employer.

What are the typical daily responsibilities of an Entry Level Credit Risk Analyst?

As an Entry Level Credit Risk Analyst, your daily tasks typically include gathering and analyzing financial data, evaluating the creditworthiness of loan applicants or counterparties, and preparing risk assessment reports. You'll often assist senior analysts in developing credit risk models and support the credit approval process by summarizing your findings for management review. Collaboration with colleagues in underwriting, portfolio management, and compliance is common, so you'll have the opportunity to learn from various teams. This role provides a solid foundation in risk analysis and offers significant exposure to financial and credit decision-making processes.

What are the key skills and qualifications needed to thrive in the Entry Level Credit Risk Analyst position, and why are they important?

To thrive as an Entry Level Credit Risk Analyst, you need strong analytical and quantitative abilities, a bachelor's degree in finance, economics, or a related field, and a keen attention to detail. Familiarity with Excel, financial modeling tools, and risk assessment software, as well as knowledge of databases and possibly SAS or Python, is often required. Excellent communication, time management, and problem-solving skills help you interpret data and present findings effectively. These skills ensure accurate risk evaluations, sound decision-making, and effective collaboration within credit risk teams.

What does an Entry Level Credit Risk Analyst do?

An Entry Level Credit Risk Analyst evaluates financial data to assess the creditworthiness of individuals or businesses. They analyze credit reports, financial statements, and payment histories to identify potential risks. Their role supports risk management strategies by helping companies make informed lending or investment decisions. Additionally, they may assist in maintaining risk models and ensuring compliance with internal policies and industry regulations. Strong analytical skills, attention to detail, and proficiency in financial tools are essential for success in this role.

What are the most commonly searched types of Credit Risk Analyst jobs in Washington? The most popular types of Credit Risk Analyst jobs in Washington are:
What are popular job titles related to Entry Level Credit Risk Analyst jobs in Washington? For Entry Level Credit Risk Analyst jobs in Washington, the most frequently searched job titles are:
What job categories do people searching Entry Level Credit Risk Analyst jobs in Washington look for? The top searched job categories for Entry Level Credit Risk Analyst jobs in Washington are:
What cities in Washington are hiring for Entry Level Credit Risk Analyst jobs? Cities in Washington with the most Entry Level Credit Risk Analyst job openings:
Entry Level Credit Risk Analyst jobs near you
Infographic showing various Entry Level Credit Risk Analyst job openings in Washington as of May 2026, with employment types broken down into 95% Full Time, and 5% Part Time. Highlights an 92% Physical, 2% Hybrid, and 6% Remote job distribution, with an average salary of $128,981 per year, or $62 per hour.
Commercial Credit Senior Associate, C&I - Hybrid

Commercial Credit Senior Associate, C&I - Hybrid

M&T Bank

Rockville, MD • On-site

Full-time

Posted 8 hours ago

M&T Bank rating

7.8

Company rating: 7.8 out of 10

Based on 180 frontline employees who took The Breakroom Quiz

66th of 141 rated banks

Job description

Locations: Rockville, MD or Tysons Corner, VA
Overview:
The Commercial Credit Senior Associate plays a pivotal role in assessing and managing credit risk for commercial clients at M&T Bank. This position involves analyzing financial statements, monitoring loan portfolio, and ensuring compliance with credit policies and regulatory requirements. This client facing role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management.
Primary Responsibilities:
  • Focus on transaction execution and portfolio management and will partner with senior team members on complex transactions/account coverage.
  • Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions.
  • Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
  • Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information, and coordinate gathering of such information.
  • Analyze financial information and related materials and complete the credit analyses for the Bank's commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals.
  • Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case.
  • As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest.
  • Partner proactively with relationship managers and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits. Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction.
  • Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
  • Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating.
  • Prepare summary, present facts, and offers opinions concerning credit-worthiness. Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral, and guarantors.
  • Displays deep understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions.
  • Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy, and evaluating any risk associated with non-compliance Present analysis or address questions during credit request discussions or committee presentations.
  • Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
  • Promote an environment that supports belonging and reflects the M&T Bank brand.
  • Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
  • Complete other related duties as assigned.

Scope of Responsibilities:
Commercial Credit is responsible for the credit delivery of the Bank's commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
Position is an account coverage role and focuses on transaction execution and portfolio management.
The position interacts with commercial banking relationship managers throughout the bank's footprint and industry verticals as well as other internal personnel on credit approvals.
Ability to lead a transaction execution team in partnership with a Commercial Credit Analyst.
Customer interaction is expected.
Works independently with limited supervision.
Supervisory/Managerial Responsibilities:
Input into the development of and training of junior/newly hired Analysts.
Education and Experience Required:
Bachelor's degree in Accounting, Finance, Economics, or related field and 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis. In lieu of a degree, a combined minimum 9 years' higher education and work experience, to include 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
Strong analytical skills with proficiency in financial modeling and analysis of credit metrics. Ability to calculate and interpret financial ratios, analyze date, and complete trend analysis.
Emerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently.
Excellent verbal and written communication skills.
Critical thinking and problem-solving abilities.
Attention to detail and high level of accuracy.
Ability to work independently and as a part of a team.
Strong organizational and time management skills.
Customer focused with strong interpersonal and relationship building skills.
Proficiency in Microsoft Office.
Education and Experience Preferred:
Experience with Capital IQ, FactSet, and Bloomberg.
Experience with nCino strongly desired.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $119,500.00 - $199,100.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
Rockville, Maryland, United States of America

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