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Senior Credit Risk Manager Jobs (NOW HIRING)

Lendable

Senior Credit Risk Manager

Arlington, VA

... Senior Credit Manager to join our U.S. team. In this role, you will help drive a step-change in how ... Develop repeatable frameworks for evaluating tradeoffs between conversion, risk, yield, and ...

ACT Group

Sr. Credit Risk Analyst

New York, NY

$100K - $150K/yr

As a Senior Credit Risk Analyst, you will join our Global Risk team in New York and oversee credit ... Assess and manage counterparty credit risk across existing and prospective clients. * Partner with ...

ACT Group

Sr. Credit Risk Analyst

New York, NY · On-site

$100K - $150K/yr

As a Senior Credit Risk Analyst, you will join our Global Risk team in New York and oversee credit ... Assess and manage counterparty credit risk across existing and prospective clients. * Partner with ...

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$22.5K

$118.3K

$210K

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

As of Aug 6, 2026, the average yearly pay for senior credit risk manager in the United States is $118,258.00, according to ZipRecruiter salary data. Most workers in this role earn between $84,500.00 and $145,000.00 per year, depending on experience, location, and employer.

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

To excel as a Senior Credit Risk Manager, you need strong analytical skills, deep knowledge of credit risk assessment, and typically a degree in finance, economics, or a related field. Expertise with risk management software (such as SAS, Moody's Analytics, or SQL), financial modeling tools, and relevant certifications like FRM or CFA is highly valued. Exceptional communication, leadership, and decision-making abilities are important soft skills for managing teams and collaborating across departments. These skills and qualifications are crucial for accurately assessing credit risk, ensuring regulatory compliance, and safeguarding an organization's financial health.

What are some typical challenges a senior credit risk manager faces in balancing risk and business growth?

A Senior Credit Risk Manager often faces the challenge of maintaining a prudent risk profile while supporting the organization's growth targets. This involves analyzing complex financial data, setting appropriate credit limits, and developing risk models that reflect current market conditions. Balancing regulatory compliance with commercial objectives and collaborating with sales, underwriting, and compliance teams to ensure sound credit decisions is key. Effective communication and negotiation skills are essential when advising senior leadership on potential exposures and strategic moves.

What does a senior credit risk manager do?

A senior credit risk manager oversees the assessment and management of credit risk for an organization, analyzing borrower creditworthiness and developing strategies to minimize potential losses. They use financial analysis, credit scoring models, and risk mitigation techniques, often working with data analysis tools and regulatory compliance standards. Their role involves making high-level decisions to ensure the organization's credit portfolio remains healthy and within risk appetite.

What is the difference between Senior Credit Risk Manager vs Credit Analyst?

AspectSenior Credit Risk ManagerCredit Analyst
Required CredentialsBachelor's degree, often advanced certifications like CFA or credit risk certificationsBachelor's degree, often in finance, economics, or related fields
Work EnvironmentStrategic, managerial, overseeing credit risk policiesAnalytical, research-focused, assessing individual credit applications
Employer & Industry UsageFinancial institutions, banks, large corporationsBanks, lending institutions, credit agencies
Common Search & ComparisonYesYes

The Senior Credit Risk Manager typically oversees credit risk strategies and manages teams, requiring advanced certifications and strategic skills. In contrast, a Credit Analyst focuses on evaluating individual credit applications and conducting detailed financial analysis. While both roles are integral to credit risk management, they differ in scope, responsibilities, and experience level.

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Senior Credit Risk Manager jobs near you
Infographic showing various Senior Credit Risk Manager job openings in the United States as of July 2026, with employment types broken down into 86% Full Time, and 14% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $118,258 per year, or $56.9 per hour.

Senior Credit Risk Manager

Vermont Housing Finance Agency

Burlington, VT • On-site

$84K - $96K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 23 days ago

Job description

Description:Are you an underwriting expert ready to shape the future of affordable housing finance?

At the Vermont Housing Finance Agency (VHFA), we are on a mission to ensure all Vermonters have access to affordable housing. We are looking for a Senior Credit Risk Manager who is part premier technical authority, part strategic collaborator, and entirely impact-driven.

This isn't just an underwriting job—it’s a high-visibility leadership role that safeguards the financial resilience of our multi-family portfolio. If you excel at evaluating complex capital stacks, mastering layered transaction risks, and mentoring project finance teams, we want you on our team.


The Impact You’ll Make

Advanced Underwriting & Financial Analysis

  • Lead the financial, credit, and risk analysis of complex multifamily rental housing, preservation, mixed-income, and homeownership developments.
  • Evaluate borrower capacity, development feasibility, operating pro formas, sources and uses, and long-term project sustainability.
  • Prepare comprehensive underwriting memoranda and data-driven financing recommendations for internal review, the Credit Committee, and the Board of Commissioners.

Project Finance & Transaction Structuring

  • Structure multifaceted financing transactions utilizing Low-Income Housing Tax Credits (LIHTC), tax-exempt bonds, state and federal funding, and public-private capital sources.
  • Participate in high-level negotiations with developers, lenders, syndicators, investors, and public agencies to balance deal feasibility with prudent risk management.
  • Support loan commitments, closings, and asset preservation workflows while coordinating with Legal, Finance, Compliance, and Asset Management staff.

Credit Policy & Technical Leadership

  • Support the Vice President in maintaining, refining, and implementing agency underwriting standards, credit policies, and financial modeling tools.
  • Serve as a senior underwriting resource, providing proactive mentoring, training, and constructive peer reviews to project finance staff.
  • Monitor emerging pipeline risks, evaluate portfolio trend metrics, and participate in strategic workout or restructuring opportunities to protect Agency resources.
Requirements:

What You Bring to the Table

  • At least 7 years of progressively responsible experience in commercial lending, affordable housing finance, real estate development, or credit analysis, OR an equivalent mix of advanced education and experience.
  • Advanced proficiency in complex financial statement analysis, cash flow modeling, and Microsoft Excel.
  • Deep structural knowledge of Section 42 Low-Income Housing Tax Credits, tax-exempt bonds, HUD programs, and layered housing finance structures.
  • Top-tier verbal and written communication skills with a proven track record of presenting clear credit recommendations to loan committees, boards, or senior executives.
  • A heart for community and a deep alignment with VHFA’s VIIBE values: Integrity, Innovation, Belonging, and Equity.

Work Environment & Flexibility

This position offers a hybrid work structure. You will work in our collaborative office environment at least 2 days per week (typically Monday through Thursday), with the flexibility to work remotely the remaining days once fully trained and coordinated with your supervisor. You will also join us in-person for required agency meetings and events.


The Perks

  • A comprehensive benefits package including medical, dental, and vision coverage for you and the family or optional buy-out plan
  • Flexible Spending Account & Dependent Care Account
  • Company-sponsored Short and Long-Term Disability
  • Company-sponsored Life Insurance
  • Up to $4,000 educational assistance
  • Employee Assistance Program
  • Combined Time Off & Holiday Pay
  • Up to 6 weeks of paid time off for parental and family leave
  • Parking Reimbursement for designated lots
  • 403b Savings Account & 457 Retirement Plan

Ready to help us build a stronger community?

Apply today to join our collaborative, solution-oriented team!