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Junior Credit Risk Analyst Jobs in Alabama (NOW HIRING)

Fulton Bank

Engaged participant in corporate credit risk and Allowance for Loan and Lease Loss qualitative review committees. Objectively carries out qualitative analysis and troubleshooting of issues that may ...

New

22nd State Bank

Sr. Credit Analyst

Mobile, AL · On-site

$70 - $90/hr

Job Summary Senior Credit Analyst. The primary responsibility of this position is to help maintain ... Assign accurate risk ratings in accordance with Policy * Assess value, strength, and collectability ...

ServisFirst Bank

Credit Analyst

Birmingham, AL · On-site

DUTIES AND RESPONSIBILITIES The Credit Analyst is responsible for producing various Board and loan ... lending risk * Order REIS reports as requested * Conduct collateral and other code reviews and ...

ServisFirst Bank

Portfolio Manager

Birmingham, AL · On-site

Serve as a resource for junior Credit Analyst/Assistant Relationship Managers and provide training as needed * Responsible for being familiar with all compliance regulations and policies that are ...

PNC

Relationship Manager II - C&IB (F)

Birmingham, AL · On-site

Handles the origination, financial analysis, negotiation and documentation of credit and non-credit products and services. * Manages risk/return and drives quality for new and/or existing clients.

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Junior Credit Risk Analyst information

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How much do junior credit risk analyst jobs pay per hour?

As of Sep 4, 2026, the average hourly pay for junior credit risk analyst in Alabama is $29.11, according to ZipRecruiter salary data. Most workers in this role earn between $20.91 and $32.02 per hour, depending on experience, location, and employer.

What is a junior credit risk analyst?

A Junior Credit Risk Analyst is responsible for assessing the creditworthiness of individuals or businesses to minimize financial risk for a company. They analyze financial data, review credit reports, and assist in developing risk models. Their role supports senior analysts and risk managers in making informed lending decisions. Strong analytical skills, attention to detail, and knowledge of financial principles are essential for success in this position.

What are common responsibilities and projects for a junior credit risk analyst?

As a Junior Credit Risk Analyst, your daily tasks may involve gathering and analyzing financial data, preparing credit risk reports, and monitoring the performance of loan portfolios. You’ll typically assist senior analysts with evaluating new credit applications, performing industry research, and contributing to risk modeling initiatives. Collaboration with other teams, such as loan officers or underwriting, is frequent to ensure a complete understanding of client profiles and risk factors. This hands-on experience with varied projects helps build a strong foundation in financial risk assessment and opens up opportunities for advancement to more senior roles in credit or risk management.

What are the key skills and qualifications needed to thrive in the junior credit risk analyst position, and why are they important?

To excel as a Junior Credit Risk Analyst, you should possess strong analytical abilities, attention to detail, proficiency in financial analysis, and typically hold a degree in finance, economics, or a related field. Familiarity with risk assessment software, data visualization tools like Excel or Tableau, and knowledge of credit scoring systems are commonly required. Excellent communication skills, eagerness to learn, and effective teamwork set standout candidates apart. These skills are essential for accurately evaluating client risk, supporting informed lending decisions, and collaborating efficiently within a financial team.

What are the most commonly searched types of Credit Risk Analyst jobs in Alabama?

The most popular types of Credit Risk Analyst jobs in Alabama are:

What are popular job titles related to Junior Credit Risk Analyst jobs in Alabama?

For Junior Credit Risk Analyst jobs in Alabama, the most frequently searched job titles are:

What job categories do people searching Junior Credit Risk Analyst jobs in Alabama look for?

The top searched job categories for Junior Credit Risk Analyst jobs in Alabama are:

What cities in Alabama are hiring for Junior Credit Risk Analyst jobs?

Cities in Alabama with the most Junior Credit Risk Analyst job openings:

Junior Credit Risk Analyst jobs near you
Infographic showing various Junior Credit Risk Analyst job openings in Alabama as of August 2026, with employment types broken down into 1% As Needed, 88% Full Time, 8% Part Time, 1% Temporary, and 2% Contract. Highlights an 87% Physical, 4% Hybrid, and 9% Remote job distribution, with an average salary of $60,549 per year, or $29.1 per hour.

Commercial Real Estate Credit Officer

CB&S Bank

Russellville, AL • On-site

Full-time

Re-posted 27 days ago

Job description

GENERAL FUNCTION:
  • This position is responsible for evaluating, underwriting, and recommending approval or denial of commercial real estate loan applications.
  • Involves in-depth credit analysis, risk assessment, and structuring of loans for properties such as multifamily, office, retail, industrial, and construction projects.
  • Ensure compliance with bank policies, regulatory requirements, and sound lending practices while supporting the bank's portfolio growth and risk management objectives.

MAJOR DUTIES AND RESPONSIBILITIES:
  • Conduct thorough underwriting of CRE loan requests, including analysis of borrower financial statements, tax returns, personal financial statements, credit reports, and guarantor strength.
  • Evaluate property-level risks through review of appraisals, environmental reports, title searches, market analyses, and third-party due diligence reports.
  • Perform cash flow analysis (e.g., Debt Service Coverage Ratio, Loan-to-Value), stress testing, and sensitivity analysis to assess repayment capacity and collateral adequacy.
  • Prepare detailed credit memoranda/write-ups summarizing findings, risks, mitigants, and recommendations for loan approval, structuring, covenants, and pricing.
  • Recommend loan approvals, denials, or modifications within delegated authority; assist in presentation of complex deals to Director's Loan Committee.
  • Monitor existing CRE portfolio for compliance with covenants, early warning signs, and risk rating accuracy; conduct annual reviews and renewals.
  • Collaborate with relationship managers and originators to structure deals that meet borrower needs while adhering to risk parameters.
  • Ensure adherence to regulatory guidelines (e.g., Basel, FDIC, interagency CRE guidance) and internal credit policies.
  • Assist in portfolio management, including problem loan identification and workout strategies when necessary.
  • Stay current on CRE market trends, property types, economic conditions, and industry risks.

JOB QUALIFICATIONS
  • Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field; Master's degree or professional certifications (e.g., CFA, CPA, or Credit Risk Certification) preferred.
  • Minimum 5-7 years of experience in commercial real estate credit underwriting, analysis, or lending within a bank, credit union, or financial institution.
  • Proven track record in underwriting various CRE asset classes (multifamily, retail, office, industrial, construction/development loans).
  • Strong knowledge of CRE lending regulations, risk rating systems, and financial modeling.

REQUIRED SKILLS
  • Advanced financial analysis skills, including spreading financials, ratio calculations, and cash flow projections (proficiency in Excel required).
  • Excellent written and verbal communication skills for preparing credit reports and presenting to committees.
  • Strong analytical and critical thinking abilities with attention to detail.
  • Ability to manage multiple deals in a fast-paced environment while meeting deadlines.
  • Proficiency in credit software, underwriting tools, and Microsoft Office Suite.
  • High ethical standards and commitment to compliance.

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