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Senior Credit Risk Officer Jobs (NOW HIRING)

thehivecareers.co

Thehivecareers.co is seeking a Chief Credit Officer to oversee the bank's overall credit risk ... 12-15 years of banking experience, including 5 years in senior credit risk roles. Key ...

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Broadgate

Head of C&I Credit (New York)

Manhattan, NY · On-site

... for a Senior Credit leader. Responsibilities Credit Governance & Approvals: * Serve as a voting ... Partner with the Chief Credit Risk Officer (CCRO) and risk committees to establish portfolio and ...

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 risk activities across the Americas. Working closely with senior traders and the Global Risk ...

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 risk activities across the Americas. Working closely with senior traders and the Global Risk ...

Block

Senior Credit Risk Analyst

Bodega Bay, CA · On-site

The Role We're seeking a Senior Credit Risk Analyst to join our Enterprise Risk Management team. This role sits at the intersection of credit risk analytics, data science, and strategic risk ...

Cross River

VP, Commercial Credit Risk

Fort Lee, NJ · On-site

This position reports directly to the Chief Credit Risk Officer (CCRO). Responsibilities Second ... At least 5 years in a second line of defense, credit review, or senior credit risk management role

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Senior Credit Risk Officer information

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$76.5K

$134.9K

$210.5K

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

As of Jul 8, 2026, the average yearly pay for senior credit risk officer in the United States is $134,851.00, according to ZipRecruiter salary data. Most workers in this role earn between $109,000.00 and $154,000.00 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.

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 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.

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 cities are hiring for Senior Credit Risk Officer jobs? Cities with the most Senior Credit Risk Officer job openings:
What are the most commonly searched types of Credit Risk Officer jobs? The most popular types of Credit Risk Officer jobs are:
What states have the most Senior Credit Risk Officer jobs? States with the most job openings for Senior Credit Risk Officer jobs include:
Senior Credit Risk Officer jobs near you
Infographic showing various Senior Credit Risk Officer 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 $134,851 per year, or $64.8 per hour.

Director, Senior Credit Officer

I.N.G. Group, LLC

Manhattan, NY • On-site

Other

Medical, Retirement, PTO

Re-posted 23 days ago

Job description

Transaction Approval & Advice | Director, Senior Credit Officer | New York
About ING:
In Americas, ING's Wholesale Banking division offers a broad range of innovative financial products and services to domestic and international corporate and institutional clients.
When you come to work at ING, you're joining a team where individuality isn't just accepted, it's encouraged. We've built a culture that's fun, friendly and supportive - it's the kind of place where you can be yourself and make the most of whatever you have to offer.
We give people the freedom to take risks, think differently, take ownership of their work, and make great things happen. We're here to help you get ahead. And with our global network, there's plenty of scope to take your career in new directions, perhaps even ones you've never considered.
Sound like the kind of place you'd feel at home? We'd love to hear from you.
About the position:
Transaction Approval & Advice (TA&A) New York is looking to support Front Office business growth ambitions by hiring a Senior Credit Officer (SCO) who will: be responsible for (1) executing client transactions from origination to closing and (2) manage the credit risk of an assigned client portfolio. The SCO who is the primary point of contact for front office for her/his/they portfolio, exhibits deep specialized knowledge on the relevant sectors, markets and/or products. and safeguards the risk appetite of the bank in balance with a sound commercial sense. This person will work with various business units with primary responsibility for the Energy portfolio. This is a second line of defense Director level position that will report to the Head of TA&A - New York.
About the department:
TA&A based in New York City acts as the credit risk management group and second line of defense is support of the corporate lending business at ING Capital LLC which is the wholesale lending arm for ING Bank in the Americas. TA&A is responsible for the analysis, advice and decision making of tailored (lending) transactions for key WB Sector and Lending clients and supporting these clients in their success whilst safeguarding the risk appetite of the bank. The risk managers (SCOs and risk officers) have a deep understanding of credit structuring, credit risk and businesses & markets, next to the assessment of related risks like ESG, compliance and climate risk. In addition to the asset-by-asset approval process, the SCOs manage their portfolios and advice senior management on the strategic direction in terms of risk appetite and portfolio steering in sectors and products. TA&A teams are also engaged in strategic projects covering sector analysis, risk appetite direction, Leveraged Transactions, reporting, climate change and a wide range of other related initiatives covering the wider credit strategy of ING.
Responsibilities:
  • Conduct and facilitate credit exposure approval and associated decision-making processes, in line with relevant credit policies and procedures, and within the stated risk appetite statements
  • Advise and support the credit decision process for individual credit transactions and relevant credit portfolios, within the boundaries of established risk appetite statements, and in line with applicable credit risk policies
  • Monitor and report on relevant transactions, obligors and portfolios
  • Direct Quarterly Portfolio Review and Watchlist meetings and reports
  • Complete Risk Ratings in accordance with ING policy and in a timely manner to help assure the portfolio loan loss provision (LLP) is calculated accurately
  • Identify industry trends or news events that affect portfolio risk, using this to adjust as necessary Watchlist, Risk Rating or LLP adjustments
  • Actively provide input and/or develop relevant credit risk policies
  • Align ING New York credit policies and procedures with global frameworks as applicable for approval and monitoring of credit exposure
  • Support ING's Sustainability and Climate Change ambitions
  • Work with Front Office teams and Credit Administration staff to manage the credit risk of a designated portfolios
  • Stakeholder Management:
  • Develop and maintain relationships with (senior) management and other relevant internal and/or external stakeholders
  • Educate and mentor colleagues ranging from junior account managers to senior bankers
  • Coordinate with audit staff, including external audit, Corporate Audit Services, SOX, as well as DNB and ECB activities
  • Educate and mentor colleagues ranging from junior account managers to senior bankers Interacts as primary counterpart of Front Office account managers, Deal Principals and senior management on all matters related to credit risk
  • Propagates ING views and opinions on issues relevant to field of expertise, also outside the ING organization
  • Interaction requires persuasion and engagement by personal impact
  • Has overall risk management responsibility (principally lending, but also financial markets, operation, compliance and market), and is able to manage processes from a risk management perspective
  • Is responsible for formulating sector- product specific risk appetite for an assigned portfolio
  • Is responsible for the credit quality and tracking of borrower performance in these portfolios
  • Actively provides guidance and feedback to relevant internal front office counterparts in the preparation, structuring, documentation and booking of transactions
  • Has a strategic view on relevant risk drivers and mitigation, and is recognized by relevant counterparts as an authority within field(s) of expertise
  • Ensures compliance of transaction structure and documentation in line with credit approval.
  • Actively contributes to the development of relevant credit risk procedures, risk models and drivers and monitors adherence to it
  • Represents Credit Risk in intra-departmental projects
Qualifications and Competencies
Requirements:
  • 10+ years' experience within Wholesale Banking, which may include front office and support roles providing exposure to credit risk management duties
  • Ample experience in originating and executing bespoke project finance structured transactions within the Energy, TMT, Infrastructure sector
  • Excellent credit analysis skills
  • Bachelor's degree or equivalent in Finance, Economics, Law or a closely related field
  • Excellent knowledge of relevant credit risk management processes, systems and concepts
  • Excellent knowledge and following of regulatory process affecting lending, capital requirements and compliance matters
  • Working knowledge of counterparty and market risk and non-financial risk
  • Working knowledge of financial markets products including interest rate, commodity and FX derivative products, ISDA terms and negotiation
  • Logical and well-reasoned level of thinking
  • Excellent communication skills, and fluent in English
  • Interaction and effective communication with internal departments and relevant external parties (clients, other banks, advisors, audit)

Salary range: $200,000-$275,000
In addition to comprehensive health benefits, a generous 401k savings plan, and competitive PTO, ING provides a broad array of benefits including adoption, surrogacy, and fertility services; student debt assistance; and subsidies for expenses associated with commuting and fitness.
ING is a committed equal opportunity employer. We welcome applicants of diverse backgrounds and hire without regard to color, gender, religion, national origin, citizenship, disability, age, sexual orientation, or any other characteristic protected by law. We celebrate these differences and rely upon your unique perspective to innovate and seize new opportunities. Come as you are.
ING Bank does not have a commercial banking license in the U.S. and therefore not permitted to conduct a commercial banking business in the U.S. Through its wholly owned subsidiary ING Financial Services LLC, and its affiliates, it offers a full array of wholesale products such as commercial lending and a full range of FM products and services. #LI-DNI

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