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Freelance Credit Risk Manager Jobs in Bellingham, WA

HERITAGE BANK

Branch Banking Manager

Bellingham, WA · On-site

$80K - $94K/yr

... credit controls and follows all operating policies and procedures. Ensure audit, security and ... May be exposed to potential risk and hazard - receives detailed instruction to minimize risk.

Heritage Bank

Branch Banking Manager

Bellingham, WA · On-site

$80K - $94K/yr

... credit controls and follows all operating policies and procedures. Ensure audit, security and ... May be exposed to potential risk and hazard - receives detailed instruction to minimize risk.

Wells Fargo

Branch Manager Mt. Vernon

Anacortes, WA · On-site

As a Branch Manager, you will serve as the sales leader of the branch, accountable for acquiring ... They are accountable for execution of all applicable risk programs (Credit, Market, Financial ...

Wells Fargo

Branch Manager Mt. Vernon

Mount Vernon, WA · On-site

As a Branch Manager, you will serve as the sales leader of the branch, accountable for acquiring ... They are accountable for execution of all applicable risk programs (Credit, Market, Financial ...

US Navy

Bomb Technician (EOD)

Burlington, WA

... safety and risk management; regular integration with Special Operations, fleet units, and ... recommended college credit for Navy training, Navy COOL-funded certifications, USMAP ...

US Navy

Bomb Technician (EOD)

Lynden, WA

... safety and risk management; regular integration with Special Operations, fleet units, and ... recommended college credit for Navy training, Navy COOL-funded certifications, USMAP ...

US Navy

Bomb Technician (EOD)

Blaine, WA

... safety and risk management; regular integration with Special Operations, fleet units, and ... recommended college credit for Navy training, Navy COOL-funded certifications, USMAP ...

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All JobsCredit Risk JobsFreelance Credit Risk Manager JobsFreelance Credit Risk Manager Jobs in Bellingham, WA

Freelance Credit Risk Manager information

See Bellingham, WA salary details

$89.9K

$164.5K

$248.9K

How much do freelance credit risk manager jobs pay per year?

As of Aug 14, 2026, the average yearly pay for freelance credit risk manager in Bellingham, WA is $164,549.00, according to ZipRecruiter salary data. Most workers in this role earn between $138,800.00 and $184,500.00 per year, depending on experience, location, and employer.

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 the most commonly searched types of Credit Risk Manager jobs in Bellingham, WA?

The most popular types of Credit Risk Manager jobs in Bellingham, WA are:

What are popular job titles related to Freelance Credit Risk Manager jobs in Bellingham, WA?

For Freelance Credit Risk Manager jobs in Bellingham, WA, the most frequently searched job titles are:

What job categories do people searching Freelance Credit Risk Manager jobs in Bellingham, WA look for?

The top searched job categories for Freelance Credit Risk Manager jobs in Bellingham, WA are:

What cities near Bellingham, WA are hiring for Freelance Credit Risk Manager jobs?

Cities near Bellingham, WA with the most Freelance Credit Risk Manager job openings:

Freelance Credit Risk Manager jobs near you
Infographic showing various Freelance Credit Risk Manager job openings in Bellingham, WA as of June 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $164,549 per year, or $79.1 per hour.

Commercial Production Partner

Banner Bank

Bellingham, WA • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 9 days ago

Banner Bank rating

8.7

Company rating: 8.7 out of 10

Based on 13 frontline employees who took The Breakroom Quiz

23rd of 171 rated banks

Job description

More than 135 years ago, we started with core values that never go out of style: listen, learn and help businesses and individuals reach their goals. These core values shape our culture, and we were recently Great Place to Work Certified because of our outstanding workplace culture and employee experience. As well, our financial strength and stability are key reasons Forbes named us one of the Best 100 Banks in America for the ninth consecutive year.

With more than $16 billion in assets and 135 branch locations throughout Washington, Oregon, Idaho, and California, we understand our role in the economy and take that responsibility seriously. In addition to offering a source of capital to personal banking clients and businesses of all sizes, we place a high importance on employee volunteerism and donate millions of dollars each year to community organizations.

As a Commercial Production Partner, you will serve as a trusted credit and production advisor within the Commercial Banking Center, helping drive sound credit decisions, portfolio quality, and exceptional client experiences. In this highly collaborative role, you'll partner closely with Relationship Managers and leadership to structure complex commercial transactions, identify opportunities for growth, and proactively manage risk across a diverse commercial portfolio.
 
In this role you'll
  • Partner with Relationship Managers and clients during calling activities to evaluate deal readiness, credit considerations, and transaction structure while developing clear recommendations.
  • Analyze financial statements, tax returns, credit reports, cash flow information, and industry trends for prospective and existing commercial clients.
  • Prepare and review credit analyses, risk assessments, loan modifications, renewals, and extensions for commercial lending opportunities.
  • Advise Relationship Managers on deal structuring, credit positioning, and risk mitigation strategies before submission for credit approval.
  • Ensure credit packages and documentation meet quality standards, regulatory requirements, and bank policy expectations.
  • Maintain, organize, and update loan documentation and credit files to support accurate underwriting and portfolio management.
  • Monitor portfolio performance, including covenant compliance, loan maturities, delinquencies, and risk ratings.
  • Identify emerging borrower and portfolio risks and recommend appropriate actions to leadership and Relationship Managers.
  • Serve as a subject matter resource on commercial lending, credit administration, loan structure, and risk management practices.
  • Partner with Commercial Banking Center leadership to support portfolio priorities, execution efficiency, client retention, and growth objectives.
  • Help identify opportunities to improve processes, Relationship Manager effectiveness, and overall client outcomes.
  • Support compliance with bank policies, security requirements, regulatory standards, and credit risk management protocol
What we're looking for
  • You have a Bachelor's degree in Accounting, Business, Economics, Law, Computer Science, or a related field (Required). 
  • An equivalent combination of education and experience can be considered in lieu of a degree.
  • You have 6 or more years of relevant experience in commercial banking, credit analysis, financial analysis, or financial risk management (Required).
What helps you shine
  • You bring advanced financial analysis skills and can confidently assess financial statements, cash flow performance, and tax returns for businesses and individuals with complex financial structures.
  • You have a strong understanding of commercial lending, credit underwriting, and risk assessment principles.
  • Understand business entity structures and can identify appropriate borrowing and guarantor relationships.
  • You are skilled at monitoring portfolio health, including covenant compliance, risk ratings, concentrations, maturities, and loan performance.
  • You communicate effectively with clients, business partners, and leadership through clear verbal and written communication.
  • Build trusted relationships and can support client needs independently when necessary.
  • You recognize opportunities to deepen client relationships through collaboration, retention efforts, and cross-functional teamwork.
  • You are highly organized and able to manage multiple priorities while maintaining strong attention to detail.
  • You are proficient with Microsoft Office applications, including Word, Excel, Access, and other business software tools.
  • You maintain a strong understanding of federal and state laws and regulations governing commercial lending activities.
Travel
  • Up to 10%
Our Company Values
  • Do the right thing
  • Mutual respect
  • Teamwork
  • Honesty and integrity
 
What Our Team Says
"I have the opportunity to learn and grow every day in my current role. I love the work life balance, knowing that we work hard, and strive for high performance but we are celebrated."
Compensation & Benefits
  • Targeted starting salary range (based on experience): $101,956 - $137,940
  • Annual incentive potential
  • Comprehensive employee benefits, including: medical, dental, vision, LTD, STD and life
  • Paid vacation time, sick time and 11 company paid holidays
  • 401k (with up to 4% match)
  • Tuition reimbursement
 
Review Banner's employee benefits at: Employee Benefits | Banner Bank

Please take time to review Banner Bank's Consent & Privacy notice before applying.

Banner Bank is an Equal Opportunity Employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability or protected veteran status.

Banner Bank does not accept unsolicited resumes from agencies and/or search firms for any job postings. Resumes submitted to any Banner Bank employee by a third-party agency and/or search firm without a valid written and signed search agreement, will become the sole property of Banner Bank. No fee will be paid if a candidate is hired for a position as a result of an unsolicited agency or search firm referral.
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