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Senior Credit Risk Officer Jobs in Texas (NOW HIRING)

Frost Bank

Senior Credit Risk Officer

Fort Worth, TX

If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...

Frost Bank

Senior Credit Risk Officer

Fort Worth, TX · On-site

If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...

Fifth Third

Credit Risk Officer II

Dallas, TX

Provide information, analysis, and credit risk and portfolio recommendations to the Senior Credit Officer. * Represent Bancorp in high-level customer interaction as well as community affairs.

Wells Fargo

Lead Credit Risk Officer

Irving, TX · Hybrid

Wells Fargo is seeking a Lead Credit Risk Officer. As a part of Wells Fargo's second line of defense and Independent Risk Management team, Risk Asset Review (RAR) is the independent credit review ...

Braviant Holdings

Senior Credit Risk Analyst

Dallas, TX · Hybrid

Senior Credit Risk Analyst Function: Credit Risk Reports to: Head of Credit Level: Mid-Level / Senior Location: Addison, TX (5 days/week in-office) Please note: This position is open to candidates ...

Braviant Holdings

Senior Credit Risk Analyst

Dallas, TX · Hybrid

Senior Credit Risk Analyst Function: Credit Risk Reports to: Head of Credit Level: Mid-Level / Senior Location: Addison, TX (5 days/week in-office) Please note: This position is open to candidates ...

Braviant Holdings

Senior Credit Risk Analyst

Dallas, TX · On-site

Senior Credit Risk Analyst Function: Credit Risk Reports to: Head of Credit Level: Mid-Level / Senior Location: Addison, TX (5 days/week in-office) Please note: This position is open to candidates ...

gpac

Senior Credit Officer needed!

Hereford, TX · On-site

Senior Credit Officer - Community Banking We are partnering with a highly respected community bank ... Partner with lenders on loan structure, risk identification, and credit decisions. * Monitor ...

gpac

Senior Credit Officer needed!

Levelland, TX · On-site

Senior Credit Officer - Community Banking We are partnering with a highly respected community bank ... Partner with lenders on loan structure, risk identification, and credit decisions. * Monitor ...

gpac

Senior Credit Officer needed!

El Paso, TX · On-site

Senior Credit Officer - Community Banking We are partnering with a highly respected community bank ... Partner with lenders on loan structure, risk identification, and credit decisions. * Monitor ...

S&P Global

Senior Credit Product Specialist

Dallas, TX · On-site

The Senior Credit & Risk Solutions Product Specialist serves as a strategic subject matter expert and trusted advisor, partnering closely with Sales Leadership, Relationship Management and Product ...

gpac

Senior Credit Officer needed!

Odessa, TX · On-site

Senior Credit Officer - Community Banking We are partnering with a highly respected community bank ... Partner with lenders on loan structure, risk identification, and credit decisions. * Monitor ...

gpac

Senior Credit Officer needed!

San Angelo, TX · On-site

Senior Credit Officer - Community Banking We are partnering with a highly respected community bank ... Partner with lenders on loan structure, risk identification, and credit decisions. * Monitor ...

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All JobsCredit Risk Officer JobsSenior Credit Risk Officer JobsSenior Credit Risk Officer Jobs in Texas

Senior Credit Risk Officer information

See Texas salary details

$71.3K

$125.6K

$196.1K

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

As of Aug 25, 2026, the average yearly pay for senior credit risk officer in Texas is $125,635.00, according to ZipRecruiter salary data. Most workers in this role earn between $101,600.00 and $143,500.00 per year, depending on experience, location, and employer.

What does a senior credit risk officer do?

A Senior Credit Risk Officer is responsible for identifying, assessing, and managing the risks associated with lending and credit activities within a financial institution. They analyze credit data, set credit policies, and make recommendations to minimize potential losses while supporting business growth. Their role often includes monitoring credit portfolios, ensuring compliance with regulations, and collaborating with other departments to develop risk mitigation strategies. Senior Credit Risk Officers play a crucial part in maintaining the financial health and stability of their organization.

How does a senior credit risk officer typically collaborate with other departments within a financial institution?

A Senior Credit Risk Officer regularly works with teams from lending, compliance, finance, and audit to ensure that credit risk policies are effectively implemented and adhered to. They provide expert analysis and recommendations on credit exposures, participate in credit committee meetings, and often help develop frameworks for risk assessment in coordination with business development teams. Strong communication and teamwork are essential, as the role requires balancing risk mitigation with the institution's growth objectives. This cross-functional collaboration is key to maintaining a healthy credit portfolio and supporting strategic decision-making.

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

To thrive as a Senior Credit Risk Officer, you need a deep understanding of credit risk analysis, financial statement evaluation, and regulatory frameworks, typically supported by a degree in finance, economics, or a related field. Familiarity with credit risk modeling tools, risk management software, and certifications such as FRM or CFA are highly valued. Strong analytical thinking, attention to detail, and effective communication skills are crucial for influencing decision-making and collaborating with stakeholders. These skills and qualities are essential for accurately assessing risk, safeguarding the institution, and ensuring compliance with industry standards.

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

AspectSenior Credit Risk OfficerCredit Analyst
Required CredentialsBachelor's degree, often advanced certifications (e.g., CFA, FRM)Bachelor's degree, sometimes certifications like CFA
Work EnvironmentRisk management teams, senior management, strategic planningCredit departments, underwriting teams, financial analysis
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending institutions, corporate finance
Common Search & ComparisonSenior roles in credit risk managementEntry to mid-level credit assessment roles

The main difference is that a Senior Credit Risk Officer focuses on overseeing and managing credit risk strategies at a senior level, often involved in policy development and risk mitigation. In contrast, a Credit Analyst primarily conducts credit assessments and analyzes financial data to support lending decisions. The Senior Credit Risk Officer has broader responsibilities and strategic influence, while the Credit Analyst is more focused on individual credit evaluations.

What are the most commonly searched types of Credit Risk Officer jobs in Texas?

The most popular types of Credit Risk Officer jobs in Texas are:

What cities in Texas are hiring for Senior Credit Risk Officer jobs?

Cities in Texas with the most Senior Credit Risk Officer job openings:

Senior Credit Risk Officer jobs near you
Infographic showing various Senior Credit Risk Officer job openings in Texas as of August 2026, with employment types broken down into 92% Full Time, 5% Part Time, 2% Contract, and 1% Nights. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $125,635 per year, or $60.4 per hour.

Senior Credit Risk Officer

Frost Bank

Fort Worth, TX

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 21 days ago

Job description

Job Description

It's about interactions more than transactions.

Are you ready to facilitate all the moving pieces to help deliver a top-quality experience? Have others complimented you on your attention to detail and exceptional organizational skills? Are you known for your ability to adapt in everchanging fast paced environments? If so, being a Senior Credit Risk Officer with Frost could be for you.

At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At Frost, we're committed to fostering an environment that reflects our values and encourages team members to be the best they can be. In joining our adaptable, integrity-driven team, you'll become part of Frost's over 150-year legacy of providing unparalleled financial services.

Who you are:

As a Senior Credit Risk Officer, you are our key support. You will be responsible for the review and approval of loans and credit limits, under little oversight, within various product areas for commercial banking relationships. You will evaluate the structure of the loan, ensuring an appropriate product type and level of credit is extended to the borrower with a credit approval limit of up to $20 million. You will also verify that proposed loan packages meet organization credit standards, reviewing for completion and accuracy. More than that, this role is about building relationships and doing so with integrity, caring, and excellence in mind.

What you'll do:

  • Monitor various lending teams, groups of lending teams, and lines of business portfolios for credit risk issues, including but not limited to: exception reporting, past dues, loan agreement compliance, trend analysis, and identification of emerging risks

  • Review and approve credit requests, modifications, amendments and waivers for commercial banking relationships; credit requests range across various product areas, including but not limited to: loans, treasury management, global trader services, and other exposures

  • Expected to ensure the efficient delivery of credit risk to promote an excellent customer experience both internally and externally

  • May act as a source of knowledge to assist in identifying relevant content for credit education programs

  • Provide guidance and feedback on how proposed loan packages can be improved

  • Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes

What you'll need:

  • Bachelor's degree, preferably in Finance or Accounting

  • 10+ years of banking experience, with completion of a formal credit training program or equivalent knowledge of credit analysis and secured lending

  • Demonstrated experience in successfully managing loan portfolios and approving credit risks through economic cycles

  • Excellent written and verbal communication skills

  • Proficient in Microsoft computer applications

Additional Preferred Skills:

  • 15+ years of banking experience with time spent as a relationship manager

Our Benefits:

At Frost, we care about your health, your family, and your future and strive to have our benefits reflect that. This includes:

  • Medical, dental, vision, long-term disability, and life insurance

  • 401(k) matching

  • Generous holiday and paid time off schedule

  • Tuition reimbursement

  • Extensive health and wellness programs, including our Employee Assistance Program

  • Referral bonus program + more!

Since 1868, Frost has dedicated their expertise to provide exceptional banking, investment, and insurance services to businesses and individuals throughout Texas. Frost is one of the 50 largest U.S. banks by asset size and is a leader in banking customer satisfaction. At Frost, it's about being part of something bigger. If this sounds like you, we encourage you to apply and see what's possible at Frost.

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