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Senior Credit Risk Analyst Jobs in Houston, TX (NOW HIRING)

Shell

Sr. Credit Analyst - Power & Gas

Houston, TX · On-site

$115K - $173K/yr

Experienced Professionals What's the role Shell is looking for a Sr. Credit Analyst - Power & Gas ... Offering world-class risk management techniques and insights to the business to enable the best ...

Texas First Bank

Sr. Credit Analyst

Houston, TX · On-site

Monitors customer accounts and loan portfolios to maximize credit quality and minimize risk and ... Supports the analytical processes involved in determining board reporting; regulatory reporting ...

Texas First Bank

Sr. Credit Analyst

Houston, TX

Monitors customer accounts and loan portfolios to maximize credit quality and minimize risk and ... Supports the analytical processes involved in determining board reporting; regulatory reporting ...

Texas First Bank

Sr. Credit Analyst

Houston, TX

Monitors customer accounts and loan portfolios to maximize credit quality and minimize risk and ... Supports the analytical processes involved in determining board reporting; regulatory reporting ...

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All JobsCredit Risk Analyst JobsSenior Credit Risk Analyst JobsSenior Credit Risk Analyst Jobs in Houston, TX

Senior Credit Risk Analyst information

See Houston, TX salary details

$51.1K

$104.9K

$136.1K

How much do senior credit risk analyst jobs pay per year?

As of Aug 9, 2026, the average yearly pay for senior credit risk analyst in Houston, TX is $104,900.00, according to ZipRecruiter salary data. Most workers in this role earn between $86,400.00 and $130,800.00 per year, depending on experience, location, and employer.

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

To thrive as a Senior Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial statements, and a degree in finance, economics, or a related field. Expertise with risk modeling tools, statistical software (such as SAS or R), and experience with credit risk management systems are typically required. Exceptional attention to detail, critical thinking, and effective communication skills set top performers apart in this role. These skills and qualities are vital for accurately assessing credit risk, making sound recommendations, and supporting organizational financial stability.

What does a senior Credit Risk Analyst do?

A senior Credit Risk Analyst evaluates the creditworthiness of individuals or businesses to determine the risk of lending. They analyze financial data, use risk assessment tools, and develop strategies to minimize potential losses for financial institutions. This role often requires strong analytical skills, knowledge of credit scoring models, and experience with risk management software.

What are some common challenges faced by a senior credit risk analyst when assessing complex credit portfolios?

Senior Credit Risk Analysts often encounter challenges such as evaluating the risk of diverse and complex credit portfolios, interpreting large volumes of financial data, and staying current with evolving regulatory requirements. Balancing the need for thorough risk assessments with tight deadlines can also be demanding. Additionally, they must effectively communicate their findings and recommendations to stakeholders across departments, ensuring that risk strategies align with the organization’s broader objectives.

What is a senior credit risk analyst's salary?

A senior credit risk analyst's salary typically ranges from $70,000 to $120,000 annually, depending on experience, location, and industry. They often require strong analytical skills and knowledge of credit risk assessment tools, with some roles offering bonuses or additional benefits.

How much does a senior credit risk analyst earn?

A senior credit risk analyst typically earns between $70,000 and $120,000 annually, depending on experience, location, and industry. They often require strong analytical skills and proficiency with risk assessment tools and financial modeling.
What are the most commonly searched types of Credit Risk Analyst jobs in Houston, TX? The most popular types of Credit Risk Analyst jobs in Houston, TX are:
What cities near Houston, TX are hiring for Senior Credit Risk Analyst jobs? Cities near Houston, TX with the most Senior Credit Risk Analyst job openings:
Senior Credit Risk Analyst jobs near you
Infographic showing various Senior Credit Risk Analyst job openings in Houston, TX as of August 2026, with employment types broken down into 90% Full Time, and 10% Contract. Highlights an 100% In-person job distribution, with an average salary of $104,900 per year, or $50.4 per hour.

Analyst - Credit Risk Management

Energy transfer

Houston, TX • On-site

Full-time

Retirement, PTO

Posted 5 days ago

Energy Transfer rating

9.0

Company rating: 9.0 out of 10

Based on 64 frontline employees who took The Breakroom Quiz

3rd of 86 rated oil and gas companies

Job description

Are you interested in joining our team? Chat with our digital assistant to learn more about our company and apply right from your mobile device!
Text ETP to 25000 to get started or apply through this web posting if you prefer.
Energy Transfer, recognized by Forbes as one of America's best large employers, is dedicated to responsibly and safely delivering America's energy. We are driven to inspire our employees to create superior value for our customers, our investors, a sustainable future and giving back to the community where we have long-standing commitments to causes including MD Anderson Children's Cancer Hospital, The Salvation Army, The American Red Cross, Ronald McDonald House and many more.
We value all of our employees who make our growth and success possible. We are proud to offer industry leading compensation, comprehensive benefits, 401(k) match with additional profit sharing, PTO and abundant career opportunities.
Come join our award winning over 12,000 strong organization as we fuel the world and each other!
Summary:
We are seeking a detailed-oriented and proactive Credit Risk Analyst to join the Energy Transfer Credit Risk Management group which reports to the Manager - Credit Risk Management. The Credit Risk Analyst will be involved in evaluating potential credit risks, administer risk mitigation strategies, maintain a robust credit profile, and engage in special projects as required. The Credit Risk Analyst will collaborate with other departments including, but not limited to: legal, commercial, and accounting to enhance risk processes, deliver analytical data-driven insights, and support the growth of Energy Transfer LP.
Essential Duties and Responsibilities:
  • Analyze and evaluate the creditworthiness of counterparties using financial statements, credit scoring models, and other data and analytic platforms.
  • Perform comprehensive credit analysis to make recommendations on credit limits.
  • Analyze entity structure to assess both individual counterparty and enterprise credit risk.
  • Accurately and timely maintain and monitor credit accounts for changes in risk status to help identify and mitigate credit risk in all of Energy Transfer's operations.
  • Maintain credit system database efficiently with counterparty names, credit support documentation, and agency/internal credit rating.
  • Implement strategies to mitigate credit risk, including appropriate collateral management such as letters of credit, margin calls, surety bonds, and liens.
  • Assist in the development and maintaining comprehensive reports and system(s).
  • Work with cross-functional teams to provide insights on credit risk and recommend and implement process improvements.
  • Identify and evaluate opportunities to provide insights and recommendations for optimizing credit risk process improvements.
  • Able to professionally, accurately and promptly respond to counterparty margin calls and requests.
  • Provide information for miscellaneous reports on an ad hoc basis.
  • Perform any other tasks as assigned.

Required Skills (External)
Requirements:
  • Bachelor's degree in Finance, Accounting, Economics, or a related field or equivalent work experience
  • Experience in wholesale credit management with financial statement analysis required or related area.
  • Familiarity and experience with credit reporting agencies and credit risk principles.
  • Experience with credit scoring and risk management systems, models, and metrics.
  • Proficient in Excel and Word skills.
  • Excellent verbal and written skills with the ability to present complex data clearly.
  • Strong analytical and problem-solving skills to assess complex financial data.
  • Detail oriented with a strong ability to identify and mitigate potential credit risks.

Required experience is commensurate with the selected job level:
  • Analyst level requires a Bachelor's degree or equivalent work experience and 2-5 years of relevant experience
  • Senior Analyst level requires a Bachelor's degree or equivalent work experience and 5-8 years of relevant experience

Working Conditions:
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
  • Usually, normal office working conditions.
  • Must be able to remain in a stationary position 50% of the time due to prolonged periods of sitting or standing.
  • Occasional travel and/or overnight travel may be required.
  • Relocation assistance will not be provided
  • Working from home is not available in this position

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