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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.

US Navy

Bomb Technician (EOD)

Mount Vernon, 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)

Bow, 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)

Nooksack, 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)

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 ...

Hardware Sales

Accounting Manager

Bellingham, WA · On-site

$90 - $110/hr

Reconcile complex accounts, including banks, credit cards, inventory, internal transactions, and ... Continuously evaluate existing workflows for efficiency, accuracy, and audit risk, and lead the ...

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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 Sep 4, 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.

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 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.

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.

Business Banking Relationship Manager

WaFd Bank

Bellingham, WA • On-site

$80K - $123K/yr

Full-time

Medical, Life, Retirement, PTO

Posted 23 days ago

WaFd Bank rating

9.0

Company rating: 9.0 out of 10

Based on 10 frontline employees who took The Breakroom Quiz

7th of 174 rated banks

Job description

MinUSD $80,170.00/Yr.MaxUSD $123,600.00/Yr.Job Summary

A Business Banking Relationship Manager 1 is responsible for developing a calling plan to maintain and grow existing relationships and is responsible for developing new relationships that meet our client selectivity, profitability appetite, and risk appetite. The Relationship Manager has had proven success in independently winning new relationships (credit and non-credit) and negotiating terms with minimal assistance. Relationship Managers will be expected to partner with the appropriate Business Banking colleagues (Loan Coordinators, Loan Processors, Portfolio Managers, and Credit Administrators) to develop and maintain credit, depository, and treasury relationships with the guidance of a Regional President, or an Executive Director. Relationship Mangers work closely with Treasury Management Officers and Treasury Analyst to grow and service the non-credit needs of business clients. For credit needs, the Relationship Manager will primarily use a centralized underwriting channel. These positions will develop and manage business banking relationships which meet established criteria for the Business Banking business line, which includes LTOB > $500M, TRE > $5MM. Role seeks to maximize profitability to the bank, while limiting the Credit Risk associated with the relationship.

Along with the key functions listed below, this position will be expected to uphold the value that WaFd Bank places on simply being kind when servicing our co-workers and WaFd Bank clients.

KEY FUNCTIONS:

  • Engages in business development activities and solicitation of new business prospects; actively involved in instilling and maintaining a positive sales environment through education of the Bank's products and services; maintains active prospecting efforts, including identification, qualification and calling; investigates and follows up on significant changes in status of existing customers; consistently balances prospecting efforts and quality customer maintenance responsibilities; meets with customers to discuss needs and outline appropriate Bank services; resolves customer concerns or problems as necessary.
  • Establish, and negotiate where necessary, the terms under which credit will be extended, including the costs, repayment method and schedule and collateral requirements.
  • Developing a deep understanding of non-credit products. Leads the engagement with clients and prospects uncovering opportunities and appropriate solutions to help the clients more efficiently manage cash flow.
  • Performs all required portfolio management responsibilities, including but limited to monitoring of customers' financial reporting requirements and compliance with covenants.
  • Stays current on all compliance training and adheres to the bank's commitment to abide by all Know Your Customer expectations and Bank Secrecy Act regulations.
  • Seeks to be a trusted advisor by maintaining current knowledge on the customers' business and industry.
  • Participates in Networking to increase the Bank's visibility in the business communities we serve, and to enhance new business opportunities.
  • Serves as the primary contact for non-borrowing and borrowing clients for matters relating to other Bank services, including personal, private banking, and wealth management.
  • Partners closely with SBA Loan Officer's for credits requiring government guarantees.
  • Counsels with and assists in the training, development and mentoring Branch Managers
  • Adhere to bank policies and procedures designed to comply with federal regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and OFAC regulations. To that end, ensure timely and accurate preparation of Currency Transaction Reports, Suspicious Activity Reports and other recordkeeping requirements.
  • Complete and pass all assigned eLearning courses and assigned certifications as required.
  • Avoid all real or perceived conflicts of interest and always maintain client privacy and confidentiality.
  • Completes special projects assigned by manager.
    • Qualifications

    Education/Skills/Training:

    • Bachelor's Degree or approved equivalent; completion of courses in finance, accounting and real estate analysis or equivalent training in commercial banking.
    • Negotiating experience, accuracy, strong organizational skills, attention to detail and success working with clients with diverse banking needs.
    • Effective verbal and written communication skills. Able to work independently with little supervision as well as in a team environment.
    • Must be proficient with Microsoft Office applications, (primarily WORD, PowerPoint Excel, Teams, Outlook, and Power BI); Experience with nCino and Salesforce is desired; Position requires clear and concise verbal and written communication skills including good customer relations skills.

    Experience:

    • Minimum of 2 years originating Business Loans up to $5MM through a centralized underwriting channel.
    • Proven success in growing existing credit and deposit relationships, and winning new relationships.
    • Possess a good understanding and working knowledge of commercial lending terminology, fundamentals of sound credit underwriting, loan processing, loan documentation and lending procedures.
    • A Relationship Manager must be self-motivated and production-oriented with a desire to grow existing relationships and actively pursue business development.
    Benefits

    At WaFd Bank you get all of these great benefits!

    • Paid time off for vacation, sick days and holidays
    • Health insurance
    • Stock options
    • Bonus programs
    • Generous 7% 401(k) employer matching*
    • Paid Parental Leave
    • Life and AD&D insurance
    • Long-term disability
    • Tuition Reimbursement
    • Employee assistance programs
    • Pre-tax health and dependent-care spending plans

    WaFd Bank Benefits Summary - Click here for more information

    EEO Statement

    We are committed to Equal Employment Opportunity and Affirmative Action. We recruit, hire, train and promote persons in all job titles and ensure that all other personnel actions are administered without regard to race, color, religion, sex, sexual orientation, gender identity, military and/or veteran status, or disability in accordance with Executive Order 11246, Section 503 of the Rehabilitation Act of 1973, as amended, and the Vietnam Era Veterans Readjustment Assistance Act of 1974, which require affirmative action to ensure equal opportunity in all aspects of employment. WaFd Bank does not discriminate on the basis of national origin or citizenship status as provided under the Immigration Reform and Control Act of 1986, or any other Federal or State legally-protected classes. WaFd Bank is committed to providing reasonable accommodations to employees and applicants with disabilities to the full extent required by the Americans with Disabilities Act (ADA). If you feel you need a reasonable accommodation pursuant to the ADA, you are encouraged to contact us at 800.324.9375

    EEO Policy Statement - WaFd Bank

    Know Your Rights: Workplace Discrimination is Illegal - click here for more information

    California Consumer Privacy Act- CCPA 2025

    Requisition Post Information* : Posted Date8/12/2026Employment Type: FULL_TIME

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