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Freelance Credit Risk Manager Jobs (NOW HIRING)

PSECU

Credit Risk Analyst

Harrisburg, PA · On-site

Produces and analyzes ongoing risk management reports and analyses. Performs ad hoc analysis of Credit Risk trends and portfolio performance, as well as forward-looking analysis. Analyzes ...

PSECU

Credit Risk Analyst

Harrisburg, PA · On-site

Produces and analyzes ongoing risk management reports and analyses. Performs ad hoc analysis of Credit Risk trends and portfolio performance, as well as forward-looking analysis. Analyzes ...

Inizio Partners

Credit Risk Analyst

Chicago, IL

Consumer Credit Risk Analyst This position within Corporate Risk Management is responsible for the oversight of consumer credit policy through effective planning and execution of ongoing and periodic ...

Fidelity Investments

Manager, Credit Risk

Jersey City, NJ · On-site +1

$80K - $153K/yr

The Role The Credit Risk Manager will be responsible for leading IWMS Clearing, Green Pier and Separate Account Manager new business reviews and ongoing client oversight for the Separate Account ...

Fidelity Investments

Manager, Credit Risk

Jersey City, NJ · On-site

$80K - $153K/yr

The Role The Credit Risk Manager will be responsible for leading IWMS Clearing, Green Pier and Separate Account Manager new business reviews and ongoing client oversight for the Separate Account ...

Bmo

Credit Risk Reviewer

Milwaukee, WI · Hybrid

$74K - $138K/yr

Credit Risk Review Manager Conducts independent examinations of credits and portfolios to ensure risk rating accuracy and asset quality of the credit portfolio. As a critical component of risk ...

Bmo

Credit Risk Reviewer

Chicago, IL · Hybrid

$74K - $138K/yr

Credit Risk Review Manager Conducts independent examinations of credits and portfolios to ensure risk rating accuracy and asset quality of the credit portfolio. As a critical component of risk ...

TriOptus LLC

Project Manager-Credit Risk

Buffalo, NY · On-site

Project Manager-Credit Risk Location: Buffalo, NY || NYC, NY (Hybrid) Contract: 6 months (Possibly Extension) * Credit Risk - Project Manager * MUST have credit risk management background and strong ...

DRW

Credit Risk Analyst

New York, NY · On-site

$90K - $140K/yr

Analyze and manage counterparty credit risk * Monitor daily trading activity according to established risk limits and assess risk exposures * Build credit risk management tools and reporting

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$158.3K

$239.5K

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

As of Jun 1, 2026, the average yearly pay for freelance credit risk manager in the United States is $158,312.00, according to ZipRecruiter salary data. Most workers in this role earn between $133,500.00 and $177,500.00 per year, depending on experience, location, and employer.

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.

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 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 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.

More about Freelance Credit Risk Manager jobs
What cities are hiring for Freelance Credit Risk Manager jobs? Cities with the most Freelance Credit Risk Manager job openings:
What are the most commonly searched types of Credit Risk Manager jobs? The most popular types of Credit Risk Manager jobs are:
What states have the most Freelance Credit Risk Manager jobs? States with the most job openings for Freelance Credit Risk Manager jobs include:
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Freelance Credit Risk Manager jobs near you
Infographic showing various Freelance Credit Risk Manager job openings in the United States as of May 2026, with employment types broken down into 96% Full Time, 3% Part Time, and 1% Contract. Highlights an 90% Physical, 7% Hybrid, and 3% Remote job distribution, with an average salary of $158,312 per year, or $76.1 per hour.
Credit Risk Analyst

Credit Risk Analyst

Ascend Federal Credit Union

Murfreesboro, TN • On-site

Full-time

Posted 15 days ago

Job description

ABOUT US
Ascend is the largest credit union in Middle Tennessee and one of the largest credit unions in the United States, with over $4 billion in assets. With an occupation-based field of membership, Ascend is focused on the expansion and diversification of the select employee groups it serves, which creates greater security for the credit union and its member-owners. Approximately 650 employees serve more than 260,000 members from 27 Middle Tennessee branch locations, Regional Operations Center, Teller Center and Corporate Headquarters. Ascend recognizes that its employees are critical to the credit union's sustained success and future growth. Our employees are the face of the credit union and their personal successes fuel the success of the team. Through collaboration between employees, management, our membership and our Board, we fuel an engine that propels the credit union forward.
WHAT WE OFFER
Thank you for your interest in a career with Ascend Federal Credit Union! Being employed by Ascend is vastly different than just holding a job. The credit union prides itself on providing employees rewarding career opportunities, competitive benefits and a unique work culture. The credit union's commitment to its employees is fostered by its commitment to the member-owners, ensuring dedicated and engaged employees to serve the membership. Ascend's vision to be the most loved credit union in our market by employees and members alike has earned the credit union distinctions including Federal Credit Union of the Year (NAFCU, 2015), Best Credit Union to Work For (2016-2025) and Training MVP Awards (2015-2025).
WHAT YOU WILL DO EVERYDAY
As a Credit Risk Analyst, you will support the Chief Lending Officer in monitoring, analyzing, and reporting on credit risk across the Credit Union's consumer, mortgage, and commercial loan portfolios. This is a foundational role with significant opportunity for growth as the Credit Union continues to enhance its credit risk management framework and analytical capabilities. Initially, the Analyst will focus on portfolio monitoring, reporting, and trend analysis. Over time, the role will expand to include advanced risk analytics, policy development support, and the delivery of strategic credit risk insights. The ideal candidate will bring prior credit or analytical experience and demonstrate strong intellectual curiosity, initiative, and a genuine interest in helping build and strengthen the Credit Union's credit risk function. #LI-KB1
HOW YOU WILL MAKE AN IMPACT
Portfolio Risk Monitoring & Analysis
  • Monitor credit performance indicators including delinquency, charge offs, recoveries, risk ratings, and portfolio migration trends.
  • Analyze loan performance by product type, borrower characteristics, vintage, and other relevant risk segments.
  • Identify emerging credit risk trends, early warning indicators, and areas of potential concern or opportunity.
  • Support the development and enhancement of credit risk models, tools, and frameworks used to evaluate credit proposals and provide risk-based recommendations.

Reporting & Data Management
  • Prepare recurring and ad hoc credit risk reports for management, committees, and the Board.
  • Assist in the development and refinement of credit risk dashboards and reporting tools, with increasing automation over time.
  • Ensure data accuracy, consistency, and documentation integrity.
  • Collaborate with Lending, Finance, and IT to improve data quality and analytical capabilities.
  • Utilize programming and analytical methodologies to develop and maintain financial databases, reports, and statistical models.
  • Industry, Economic & Regulatory Awareness
  • Monitor economic conditions, industry trends, and peer data relevant to the Credit Union's loan portfolios.
  • Stay informed on regulatory guidance and examiner expectations related to credit risk management.
  • Assist with preparation for regulatory exams, audits, and internal reviews.

Risk Policy & Governance Support
  • Provide analytical support for credit policy, underwriting standards, and risk tolerance evaluation.
  • Monitor performance of loans approved with policy exceptions or elevated risk characteristics.
  • Assist with loan review processes, portfolio reviews, and post implementation evaluations of lending programs.
  • Ensure credit activities, documentation, and reporting comply with internal policies, regulatory requirements, and best practices.

Please note: This job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the position. The organization reserves the right to modify, add, or remove duties at any time, with or without notice, to meet business needs.
WHAT YOU WILL NEED TO SUCCEED
Education
  • Bachelor's Degree in Finance, Accounting, Economics, Business Analytics, or a related field; or equivalent relevant experience is required

Work Experience
  • 3-5 years Experience in credit and financial analysis, risk and management reporting, audit support, and data analytics preferred, but not required if the candidate demonstrates strong analytical aptitude and learning ability
  • Experience in a credit union or regulated financial institution is preferred

Knowledge, Skills, and Abilities
  • Proficiency in Excel; experience with reporting or business intelligence tools (e.g., Power BI, Tableau).
  • Basic knowledge with consumer, mortgage, or commercial lending products.
  • Demonstrated interest in portfolio analytics, risk modeling, or credit policy development.
  • Occasional after hours or deadline driven work may be required during reporting cycles or examinations.
  • Strong analytical and critical thinking skills.
  • Ability to interpret financial, credit, and performance data.
  • Ability to communicate insights clearly to both technical and non technical audiences.
  • High attention to detail and commitment to data integrity.
  • Demonstrated initiative, curiosity, and willingness to learn and expand responsibilities over time.
  • Regular and reliable attendance is required.
  • Must have and maintain a valid driver's license.

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Ascend Federal Credit Union is an Equal Opportunity Employer.

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