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Freelance Credit Risk Manager Jobs in Utah (NOW HIRING)

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site

The Optum Bank Credit Risk Analyst will be responsible for assessing the credit risks that arise ... The Risk Management function is dedicated to safeguarding the bank's assets and ensuring ...

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site +1

The Optum Bank Credit Risk Analyst will be responsible for assessing the credit risks that arise ... The Risk Management function is dedicated to safeguarding the bank's assets and ensuring ...

Brex

Director, Credit Risk

Salt Lake City, UT · Hybrid

$198K - $247K/yr

You'll oversee a multi-layered team of managers and credit professionals responsible for managing portfolio performance, credit decisions, and customer risk across a rapidly growing commercial ...

Brex

Director, Credit Risk

Salt Lake City, UT · On-site

By combining global corporate cards and banking with intuitive spend management, bill pay, and ... Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ...

Colorwave Inc

Director, Credit Risk

Salt Lake City, UT · On-site

$198K - $247K/yr

You'll oversee a multi-layered team of managers and credit professionals responsible for managing portfolio performance, credit decisions, and customer risk across a rapidly growing commercial ...

Brex

Director, Credit Risk

Salt Lake City, UT · On-site

By combining global corporate cards and banking with intuitive spend management, bill pay, and ... Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ...

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Freelance Credit Risk Manager information

What does a freelance credit risk manager do?

A Freelance Credit Risk Manager is an independent professional who evaluates and manages the risk associated with lending money or extending credit to clients or businesses. Their main responsibilities include analyzing financial statements, assessing creditworthiness, setting credit limits, and recommending risk mitigation strategies. They often work with banks, financial institutions, or companies on a project basis, providing expert advice without being a full-time employee. By identifying potential risks, they help ensure that clients make sound lending decisions and minimize potential financial losses.

What are the key skills and qualifications needed to thrive as a freelance credit risk manager, and why are they important?

To thrive as a Freelance Credit Risk Manager, you need a solid background in finance, risk assessment, and data analysis, typically supported by a degree in finance, economics, or a related field. Familiarity with credit risk modeling software, financial databases, and relevant certifications such as FRM or CFA is often required. Strong communication, independent problem-solving, and client management skills help distinguish top performers in this role. These abilities ensure accurate risk evaluation, build client trust, and support effective decision-making in dynamic environments.

What is the difference between Freelance Credit Risk Manager vs Credit Analyst?

AspectFreelance Credit Risk ManagerCredit Analyst
CredentialsRelevant certifications (e.g., CFA, credit risk certifications), experience in credit risk managementOften requires finance or accounting degrees, certifications like CFA or CPA beneficial
Work EnvironmentIndependent, remote or client-site, project-basedTypically in banks, financial institutions, or corporate finance teams
Employer & IndustryFreelance/consulting firms, financial services, lending companiesBanks, investment firms, corporate finance departments

While both roles involve assessing creditworthiness, a Freelance Credit Risk Manager focuses on managing credit risk strategies for multiple clients independently, whereas a Credit Analyst primarily works within organizations to evaluate individual credit applications. The freelance role offers flexibility and project-based work, while the credit analyst role is usually within a corporate or banking environment.

How does a freelance credit risk manager typically collaborate with clients and stakeholders?

As a Freelance Credit Risk Manager, you’ll frequently work with clients’ finance teams, senior management, and sometimes external auditors to assess and mitigate credit risks. Collaboration often takes place via virtual meetings, email communications, and shared project management tools, since many engagements are remote or hybrid. You’ll be expected to present your analyses, explain risk models, and provide actionable recommendations tailored to each client’s unique needs. Building strong relationships and clear channels of communication is essential for delivering value and ensuring your assessments are effectively implemented.
What are popular job titles related to Freelance Credit Risk Manager jobs in Utah? For Freelance Credit Risk Manager jobs in Utah, the most frequently searched job titles are:
What job categories do people searching Freelance Credit Risk Manager jobs in Utah look for? The top searched job categories for Freelance Credit Risk Manager jobs in Utah are:
What cities in Utah are hiring for Freelance Credit Risk Manager jobs? Cities in Utah with the most Freelance Credit Risk Manager job openings:
Freelance Credit Risk Manager jobs near you

Credit Risk Management Analyst

Mountain America Credit Union

Sandy, UT • On-site

Full-time

Posted 12 days ago

Mountain America Credit Union rating

8.0

Company rating: 8.0 out of 10

Based on 49 frontline employees who took The Breakroom Quiz

73rd of 150 rated financial services

Job description

Please reference the schedule and minimum qualifications listed below before applying.
If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.
Job Summary
We are seeking a motivated and capable Credit Risk Management Analyst to join our growing Credit Risk Management team at Mountain America Credit Union (MACU). Our goal within the Credit Risk Management Program is to protect MACU and create confidence in our health and resilience by ensuring that credit risks are known, clear, communicated, and considered. You will help us accomplish this goal through the job activities listed below.
Job Description
LOCATION
Mountain America Center - Hybrid
9800 S Monroe St
Sandy, UT 84070
SCHEDULE
Full Time; this is a hybrid schedule with some weekly in office expectation, based on business need.
To be effective, an individual must be able to perform each job duty successfully.
  • Assist in assessing the credit risk exposure of the credit union by:
    • Partnering with first-line business stakeholders to understand lending products, processes, strategies, and risks.
    • Partnering with first- and second-line business stakeholders to review and assess potential credit risks associated with lending portfolios, products, processes, and strategies.
    • Identifying and surfacing potential risks and concerns to relevant stakeholders.
    • Creating and drafting risk assessments and reports.
    • In collaboration with team members, assist business units in the development of remediation plans and timelines for identified risks.
    • Reviewing existing reporting and document/communicate any changes or trends within the data analyzed.
    • Reviewing loan data on an individual and aggregate basis to determine potential risks, adherence to policy and procedures.
    • Assisting in the preparation of reporting to management.
    • Supporting the implementation of the Credit Risk Management Program strategy and road map.
    • Utilizing judgment, perspective, and ownership in fulfilling job functions.
  • Regulatory Compliance:
    • Staying up to date on evolving regulatory requirements and expectations, as well as industry best practices for credit risk management.
    • Supporting the preparation of regulatory reports and audits related to credit risk.

KNOWLEDGE, SKILLS, and ABILITIES
The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.
Experience
  • A minimum of 3 years of lending and/or credit analysis in consumer and/or commercial lending, preferably with a financial institution
  • Strong understanding of lending products, terms, underwriting criteria, and servicing and liquidation practices
  • Additional Preferred Experience:
    • Knowledge of applicable credit union laws and regulations related to lending.

Education
  • Bachelor's degree in business, finance or related field required - OR two additional years of progressive work experience in lending, credit analysis, or risk management. Education must be from an accredited institution. Education and work experience will be verified.

Licenses, Certifications, Registrations
None required.
Computer/Office Equipment Skills
  • Demonstrated proficient skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel.
  • Experience with analytical and reporting software preferred.

Managerial Responsibility
No managerial responsibilities.
Language Skills
  • Demonstrated ability to clearly communicate verbally and in writing.

Other Skills and Abilities
  • Adaptive to change, responds positively to altered circumstances or conditions.
  • Ability to read and interpret federal, state, and NCUA regulations as well as internal policy guidelines related to lending.
  • Ability to read, interpret, and analyze financial data and reporting in a variety of formats.
  • Ability to manage a risk assessment or project from start to end by carrying out required steps and following those steps to completion.
  • Excellent interpersonal skills, including the ability to collaborate with multiple teams.
  • Ability to work independently and as part of a team.
  • Excellent communication, collaboration, and problem-solving skills.
  • Ability and willingness to provide suggestions to improve processes and efficiencies. Able to negotiate and compromise to come to solutions satisfactory to multiple parties.
  • Possess a desire and willingness to learn and continually update knowledge of financial concepts, strategies, systems etc.

Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.

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