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Entry Level Credit Risk Analyst Jobs (NOW HIRING)

Carmax

Analyst II, Credit Risk

Atlanta, GA · On-site

Position Overview As an Analyst II, Credit Risk, you will play a critical role in shaping CarMax Auto Finance's credit strategies and driving operational excellence. In this dynamic position, you'll ...

Credit Agricole CIB

Risk and Permanent Control | Reports to: Senior Credit Officer US ANALYST PROGRAM The US Analyst program offers an opportunity for recent college graduates interested in finance and corporate ...

CarMax, Inc.

Analyst II, Credit Risk

Atlanta, GA

Position Overview As an Analyst II, Credit Risk, you will play a critical role in shaping CarMax Auto Finance's credit strategies and driving operational excellence. In this dynamic position, you'll ...

Carmax

Analyst II, Credit Risk

Kennesaw, GA · On-site

Position Overview As an Analyst II, Credit Risk, you will play a critical role in shaping CarMax Auto Finance's credit strategies and driving operational excellence. In this dynamic position, you'll ...

Carmax

Analyst II, Credit Risk

Kennesaw, GA · On-site

Analyze funding opportunities across the credit spectrum and contribute to the implementation of strategies. * Support and maintain forecasting and risk models, including multi-year funding forecasts ...

Carmax

Analyst II, Credit Risk

Atlanta, GA · On-site

Analyze funding opportunities across the credit spectrum and contribute to the implementation of strategies. * Support and maintain forecasting and risk models, including multi-year funding forecasts ...

CarMax, Inc.

Analyst II, Credit Risk

Atlanta, GA

Analyze funding opportunities across the credit spectrum and contribute to the implementation of strategies. * Support and maintain forecasting and risk models, including multi-year funding forecasts ...

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Entry Level Credit Risk Analyst information

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$37K

$113.9K

$197.5K

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

As of Jun 23, 2026, the average yearly pay for entry level credit risk analyst in the United States is $113,881.00, according to ZipRecruiter salary data. Most workers in this role earn between $82,500.00 and $140,500.00 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.

More about Entry Level Credit Risk Analyst jobs
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Entry Level Credit Risk Analyst jobs near you
Infographic showing various Entry Level Credit Risk Analyst job openings in the United States as of June 2026, with employment types broken down into 2% Locum Tenens, 81% Full Time, and 17% Part Time. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $113,881 per year, or $54.8 per hour.
Credit Risk Analyst II - Texas - Onsite

Credit Risk Analyst II - Texas - Onsite

Security National Bank

Dallas, TX • Remote

Full-time

Posted 10 days ago

Job description

Established in 1964 in Omaha, Nebraska, our family-owned financial institution's vision is to be the best in class in meeting the evolving financial needs of our customers. Our extensive history and family-owned legacy give us a deep and genuine understanding of how to serve and treat our customers. We offer a holistic financial approach with solutions for personal, business and wealth in three markets: Iowa, Nebraska and Texas.

As a community bank, we value long-term partnerships built on trust and integrity. As an employer, we take pride in building meaningful relationships and celebrating the unique differences that define each team member; it's what makes us a stronger unit. It's one of the many reasons why creating a strong culture of empowerment, support, and opportunity is an ongoing focus.


JOB SUMMARY

This position is responsible for exercising discretion and independent judgment in an analytical capacity by underwriting loans using the bank’s lending software - completing written analyses of the applicant’s ability to repay the loan and assess the strengths and weaknesses of the Bank’s repayment sources considering industry and other environmental trends. Assists assigned Relationship Managers with monitoring and managing credit risk for existing client relationships. Interprets and carries out policies relating to all phases of credit administration department functions.


ESSENTIAL FUNCTIONS

Financial Analysis & Credit Underwriting (60%)

  • For Commercial & Industrial (C&I) businesses, commercial real estate investors, and private banking clients:
    1. New Business: For new or existing relationships with proposed credit exposure generally over Loan Committee thresholds, prepare a Credit Memo with the Relationship Manager including: analysis of the business and industry, financial statement changes and trends, cash flow adequacy, collateral coverage, and Guarantor support (including a global cash flow analysis, as needed). Address causes (how/why) for material changes. Cite mitigants and provide remediation for weaknesses and potential problems. Identify and discuss strengths, weaknesses, opportunities, and threats.
    2. Renewals: For relationships with credit exposure generally over Loan Committee thresholds, approximately 60 days prior to maturity of loans, review the Renewal Checklist prepared by the Relationship Coordinators. If not prepared, check the loan system (or credit file) and inform the Relationship Coordinator and Relationship Manager of financial statements, collateral reports, personal financial statements, tax returns, and other customary documentation needed to underwrite the renewal. Underwrite the Borrower and obtain approval for renewal ideally 30 days, but not less than 10 days, prior to maturity.


Reviews (20%)

  • As part of the ongoing portfolio management for Commercial & Industrial (C&I) businesses, commercial real estate investors, and private banking clients:
    1. Annual Credit Reviews: For Borrowers generally over Loan Committee thresholds, determine on-going credit quality and appropriateness of the assigned risk rating by reviewing the Borrower’s payment history, financial statement trends & cash flow, and/or operating statements and rent rolls for the Bank’s commercial real estate collateral.
    2. Loan Reviews: As requested, assist with the independent Loan Review process by completing Loan Reviews in conjunction with the Annual Credit Review.
    3. Problem Asset Reports: Coordinate and assist the Relationship Manager with the completion of individual monthly reports for loans risk rated Special Mention or worse to ensure completeness and accuracy including: Risk rating rationale, nonaccrual & TDR determination, reserve & impairment discussion, cash flow analysis, collateral analysis, guarantor analysis, strategy statement, and current action plans with S.M.A.R.T. goals.
    4. Complete reviews of the Bank’s investments, as assigned.
    5. Complete financial analyses of the Bank’s vendors, as assigned.


Financial Statement Spreading (10%)

  • Create/update spreads of financial statements or tax returns using software and test for compliance with financial covenants, when applicable.
  • Verify that the tracking items are accurate and update them if they are not, in addition to the normal spreading done in conjunction with underwriting and reviews.

Consumer Underwriting (5%)

  • Assists in the underwriting of consumer loans.


Other Duties as Assigned (5%)

  • Minutes: Record and distribute minutes for Loan Committee meetings.
  • Meetings: Assist with conducting the Past Due Meeting by presenting various reports on the projector and advise Loan Committee members of liens and garnishments since the last meeting.
  • Prepare real estate evaluations and complete appraisal reviews.
  • Assist with portfolio management by completing floor plan inspections, borrowing base reviews, or collateral exams.
  • Assist with the preparation of monthly monitoring reports and credit analytics.
  • Conducting joint customer calls with Bankers as needed.


KNOWLEDGE, SKILLS AND ABILITIES

  • Ability to demonstrate strong analytical skills with a thorough knowledge and understanding of financial statements and tax returns including an understanding of Generally Accepted Accounting Principles (GAAP)
  • Ability to communicate effectively both verbally and in writing using good business writing skills
  • Excellent time management, and attention to detail skills, along with an ability to prioritize multiple tasks to meet deadlines
  • Strong critical thinking skills using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems
  • Advanced skills with Word, Excel, Outlook, and bank loan systems
  • Ability to maintain predictable and reliable attendance
  • Ability to complete required training by assigned due date


EDUCATION*

  • Minimum of a bachelor’s degree in finance, accounting or related business field, or equivalent banking experience required


EXPERIENCE*

  • Minimum of 3-4 years of commercial credit analysis experience required; banking industry experience strongly preferred
  • Previous experience using Baker Hill software preferred

*Equivalent education and experience will be considered


PHYSICAL REQUIREMENTS

While performing the duties of this job, the employee is regularly required to stand; use hands to handle or feel; reach with hands and arms; and talk or hear. The employee frequently is required to walk. The employee is occasionally required to stoop or kneel. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and depth perception.

WORKING CONDITIONS

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.


AFFIRMATIVE ACTION
Security National Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.


**NOTE: Relocation is not provided for this position.


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