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Entry Level Credit Risk Analyst Jobs in Lubbock, TX

UMB Financial

Portfolio Manager - BBLC

Lubbock, TX

$67K - $99K/yr

You will analyze business and personal financial statements and work with the Business Banking Loan ... You will provide specialized risk guidance and advice on existing portfolio of watch list credits ...

Texas Tech University

Chief Accountant

Lubbock, TX · On-site

Performs special projects, financial analyses, process improvement initiatives, and other duties as ... About the Department and/or College Cash and Credit Management Services Cash and Credit Management ...

New

CoNetrix

Information Security (IT) Auditor

Lubbock, TX · On-site

About the Position As part of the CoNetrix Security team, an IT Auditor is expected to analyze ... Review policies, procedures, risk assessments, and plans. * Evaluate the adequacy of Information ...

Hilltop Holdings

Merchant Services Representative

Lubbock, TX · On-site

$33K - $38K/yr

Excellent analytical, time management, organizational and problem-solving skills with the ability ... Generates sales calls and leads with prospective and existing merchants to sell and support credit ...

Hilltop Holdings

Merchant Services Representative

Lubbock, TX · On-site

$33K - $38K/yr

Develops and maintains ability to analyze merchant statements to determine pricing options and ... Develops and maintains an understanding and knowledge of compliance and risk issues to escalate to ...

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All JobsCredit Risk Analyst JobsEntry Level Credit Risk Analyst JobsEntry Level Credit Risk Analyst Jobs in Lubbock, TX

Entry Level Credit Risk Analyst information

See Lubbock, TX salary details

$32K

$98.4K

$170.6K

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

As of Sep 2, 2026, the average yearly pay for entry level credit risk analyst in Lubbock, TX is $98,358.00, according to ZipRecruiter salary data. Most workers in this role earn between $71,300.00 and $121,300.00 per year, depending on experience, location, and employer.

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 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 are popular job titles related to Entry Level Credit Risk Analyst jobs in Lubbock, TX?

For Entry Level Credit Risk Analyst jobs in Lubbock, TX, the most frequently searched job titles are:

What job categories do people searching Entry Level Credit Risk Analyst jobs in Lubbock, TX look for?

The top searched job categories for Entry Level Credit Risk Analyst jobs in Lubbock, TX are:

What cities near Lubbock, TX are hiring for Entry Level Credit Risk Analyst jobs?

Cities near Lubbock, TX 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 Lubbock, TX as of August 2026, with employment types broken down into 1% As Needed, 86% Full Time, 11% Part Time, and 2% Contract. Highlights an 89% Physical, 3% Hybrid, and 8% Remote job distribution, with an average salary of $98,358 per year, or $47.3 per hour.

Portfolio Manager - BBLC

UMB Financial

Lubbock, TX

$67K - $99K/yr

Full-time

Posted 28 days ago

Job description

As the Portfolio Manager - BBBLC, you will be responsible for assisting Business Banking and Practice Finance officers in the portfolio management activities (generally loans over $500,000) that are reviewed, decisioned and managed by the BBLC (Business Banking Loan Center). You will partner with and support both relationship managers and client managers. You will perform credit underwriting related to requests for renewals, modifications, changes in terms, credit reviews and reaffirmations for the Business Banking and credit portfolios.

How you'll spend your time:

  • You will analyze business and personal financial statements and work with the Business Banking Loan Center underwriting team to perform financial spreading of those statements.
  • You will present solutions to credit structure, covenants, financial reporting requirements and other credit conditions to the Underwriter.
  • You will monitor portfolio continuously by tracking loan exceptions, BBC, covenants, pas dues and other portfolio management activities.
  • You will recognize and manage early warning signs for the portfolio on a recurring basis and follow established protocol for actions that need to be taken.
  • You will provide specialized risk guidance and advice on existing portfolio of watch list credits across a multi-state geographical footprint.
  • You will secure financial information and test covenants requirements.
  • You will provide timely client follow up and ensure that loan servicing actions, such as past due payment collections, demand letters, law suits, and liquidations are properly administered. You may perform site visits if needed.
  • You will address complaints successfully, resolve documentation exceptions and covenant requirement violations.
  • Other duties as assigned.

We're excited to talk with you if:

  • You possess a Bachelor's Degree in Business, Accounting, Finance or related area with at least 6 hours of accounting AND 1+ year in Business Loan experience (up to $5MM) AND 1+ year credit analysis experience.
  • OR, you have any combination of education and experience that would provide an equivalent background.
  • You demonstrate credit decision making skills and ability.
  • You demonstrate financial analytical skills with ability to solve complex problems by interpreting data and results.
  • You demonstrate excellent writing skills to create credit memos.
  • You demonstrate excellent verbal and interpersonal skills to communicate with sales force and credit managers.
  • You demonstrate ability to work independently.
  • You demonstrate proficiency of Excel, and Word to create tables and worksheets for credit memos.

Bonus points if:

  • You have previous Business Loan collections experience.
  • You have 2 years' Business Loan credit underwriting.
  • You have knowledge of Capital Stream, FIS/BIS.
  • You have an aptitude to think strategically and envision future state of the portfolio.
This position was posted on 08/04/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$67,869 - $99,836

The posted compensation range on this listing represents UMB's good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information.

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Are you ready to be part of something more?
You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.


UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to talentacquisition@umb.com to let us know the nature of your request.


If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.


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