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Senior Credit Risk Manager Jobs (NOW HIRING)

Valley Bank

Sr Credit Risk Manager

Phoenix, AZ · On-site

... senior management. Identifies, outlines, and mitigates risks associated with potential lending ... Ensures credits are accurately risk rated and are properly monitored and reported. * Prepares all ...

Upstart

Credit Risk Manager

OR · On-site +1

As the Credit Risk Oversight Manager at Upstart, you will serve as the primary owner of 2LOD Credit ... Prepare and present portfolio risk analyses, monitoring results, and recommendations to senior ...

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 ...

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 ...

Upstart

Credit Risk Manager

Prepare and present portfolio risk analyses, monitoring results, and recommendations to senior ... management, portfolio analytics, or credit risk oversight. * Experience analyzing credit ...

Aston Carter

Senior Credit Manager

Baltimore, MD · On-site

$90K - $110K/yr

Senior Credit Manager The Senior Credit Manager plays a key role within a large corporate finance ... This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and ...

Aston Carter

Senior Credit Manager

Baltimore, MD · On-site

Senior Credit Manager The Senior Credit Manager plays a key role within a large corporate finance ... This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and ...

Aston Carter

Senior Credit Manager

Baltimore, MD · On-site

$90K - $110K/yr

Senior Credit Manager The Senior Credit Manager plays a key role within a large corporate finance ... This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and ...

Frost Bank

Senior Credit Risk Officer

Dallas, TX · On-site

If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more ... Demonstrated experience in successfully managing loan portfolios and approving credit risks through ...

Frost Bank

Senior Credit Risk Officer

Dallas, TX · On-site

If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more ... Demonstrated experience in successfully managing loan portfolios and approving credit risks through ...

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Senior Credit Risk Manager information

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$22.5K

$118.3K

$210K

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

As of Jul 17, 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 often use financial analysis tools, credit scoring models, and industry regulations to make informed decisions and ensure the company's credit policies are followed. This role typically requires strong analytical skills, experience in risk management, and relevant certifications such as CFA or credit risk certifications.

What is the salary of senior Credit Risk Analyst in Goldman Sachs?

The salary for a Senior Credit Risk Analyst at Goldman Sachs typically ranges from $80,000 to $130,000 annually, depending on experience, location, and performance. Compensation may also include bonuses and benefits aligned with industry standards for financial services professionals.

What is the highest salary for a risk manager?

Senior Credit Risk Managers can earn salaries up to $150,000 to $200,000 or more annually, especially with extensive experience, advanced certifications like CFA or FRM, and in high-demand financial centers. Top earners in the field may also receive bonuses and other incentives based on performance and company size.

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.

What are the 5 C's of credit risk management?

The 5 C's of credit risk management are Character, Capacity, Capital, Collateral, and Conditions. These criteria help senior credit risk managers evaluate a borrower's creditworthiness and assess potential risks before approving loans or credit lines. Mastery of these factors is essential for effective credit decision-making and risk mitigation.
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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 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $118,258 per year, or $56.9 per hour.
Senior Credit Risk Manager

Senior Credit Risk Manager

Vermont Housing Finance Agency

Burlington, VT • On-site

$84K - $96K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 3 days ago

New

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!