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Vice President Credit Risk Officer Jobs (NOW HIRING)

Adyen

Credit Risk Officer

Chicago, IL · On-site

Credit Risk Officer - Financial Products As a Credit Risk Analyst based in Chicago, you will be part of a growing team responsible for evaluating, managing, and scaling credit risk across Adyen ...

Citigroup, Inc.

Credit Risk Officer

Getzville, NY · On-site

A. seeks a Credit Risk Officer for its Getzville, New York location. Duties: Assess analyst work and creditworthiness as a senior on the team and assign appropriate credit rating by credit ...

Cross River

SVP, Chief Credit Risk Officer

Fort Lee, NJ · On-site

Reporting to the Chief Risk and Compliance Officer, this leader will be responsible for enhancing and maintaining the credit risk framework, setting risk appetite, and ensuring sound credit decision ...

Adyen

Credit Risk Officer

Chicago, IL

Credit Risk Officer - Financial Products As a Credit Risk Analyst based in Chicago, you will be part of a growing team responsible for evaluating, managing, and scaling credit risk across Adyen ...

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Vice President Credit Risk Officer information

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$43.5K

$157.5K

$277.5K

How much do vice president credit risk officer jobs pay per year?

As of Jul 14, 2026, the average yearly pay for vice president credit risk officer in the United States is $157,532.00, according to ZipRecruiter salary data. Most workers in this role earn between $115,000.00 and $190,000.00 per year, depending on experience, location, and employer.

How does a Vice President Credit Risk Officer typically collaborate with other departments to manage organizational risk?

A Vice President Credit Risk Officer works closely with departments such as lending, finance, legal, and compliance to identify and mitigate credit risks. Collaboration often involves regular meetings to review portfolio performance, discussing risk trends, and ensuring credit policies are adhered to across the organization. The role also requires frequent interaction with senior management to provide insights and recommendations on risk exposure, as well as supporting regulatory reporting and audit processes. This cross-functional teamwork is key to maintaining a balanced risk profile while supporting the institution's growth objectives.

What are the key skills and qualifications needed to thrive as a Vice President Credit Risk Officer, and why are they important?

To thrive as a Vice President Credit Risk Officer, you need a deep understanding of credit risk analysis, financial modeling, and regulatory compliance, often supported by a degree in finance, economics, or a related field. Familiarity with risk management software (like SAS, Moody’s Analytics, or S&P Global), and certifications such as FRM or CFA are highly valued. Strong leadership, strategic thinking, and effective communication are crucial soft skills for managing teams and influencing decision-making. These competencies are vital for identifying, assessing, and mitigating credit risks while ensuring organizational stability and regulatory adherence.

What does a Vice President Credit Risk Officer do?

A Vice President Credit Risk Officer is responsible for overseeing and managing the credit risk policies and procedures within a financial institution. They assess the creditworthiness of clients, set risk limits, and ensure compliance with regulatory requirements. This role involves analyzing complex financial data, developing risk mitigation strategies, and working closely with other departments to minimize potential losses. They also play a key part in shaping the company’s risk appetite and communicating credit risk exposures to senior management.

What is the difference between Vice President Credit Risk Officer vs Credit Analyst?

AspectVice President Credit Risk OfficerCredit Analyst
CredentialsBachelor's degree, often advanced certifications in risk management or financeBachelor's degree in finance, economics, or related field
Work EnvironmentSenior-level management, strategic planning, overseeing credit risk policiesAnalytical role, assessing creditworthiness, preparing reports
Industry UsageUsed in banking, financial services, and large corporationsCommon in banks, lending institutions, and credit agencies

The Vice President Credit Risk Officer focuses on strategic risk management and policy oversight, while the Credit Analyst primarily evaluates individual credit applications and reports. Both roles are essential in credit risk management but differ in scope and seniority.

What cities are hiring for Vice President Credit Risk Officer jobs? Cities with the most Vice President 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 Vice President Credit Risk Officer jobs? States with the most job openings for Vice President Credit Risk Officer jobs include:
Vice President Credit Risk Officer jobs near you
Commercial Credit Officer

Commercial Credit Officer

Bay State Savings Bank

Worcester, MA • On-site

Full-time

Re-posted yesterday

Job description

Experienced Credit Administration Officer (AVP/VP Level Opportunity)
Worcester, MA
About Us:
Established in 1895, Bay State Bank is an approximately $550MM, Massachusetts-based mutual Bank. As a Bank owned by a mutual holding company, the Bank is effectively governed by its depositors, and its mutual ownership structure allows it to focus on long-term and community impact rather than short-term profits. BSB has seven branch locations in Central Massachusetts. BSB is the only remaining Bank originally headquartered in Worcester, Massachusetts: the second largest city in New England. BSB is a value-driven organization committed to intentional actions and investments that position the Bank as the community’s preferred partner for banking.
The Opportunity:
We are seeking an experienced Credit Administration Officer to support the oversight, administration, and ongoing risk management of the Bank’s commercial credit function.
This is a highly impactful role responsible for supporting the strength, integrity, and performance of the Bank’s commercial loan portfolio through strong credit analysis, sound underwriting practices, and proactive portfolio monitoring. Working closely with the SVP – Credit Administration and Commercial Banking leadership, this position will help ensure credit decisions align with the Bank’s loan policy, regulatory expectations, and long-term strategic objectives.
The final officer designation (AVP/VP) will be determined based on the selected candidate’s experience, demonstrated expertise, and alignment with the responsibilities of the position.
Key Responsibilities:
Credit Risk amp; Portfolio Oversight
  • Support credit administration activities, including portfolio monitoring, risk rating integrity, covenant compliance, and credit quality reviews
  • Analyze new and existing commercial credit relationships to assess financial strength, repayment ability, collateral adequacy, and overall risk
  • Assist with identifying, monitoring, and recommending strategies to address emerging credit concerns
  • Support oversight of classified assets, delinquencies, and portfolio trends
Underwriting amp; Credit Administration
  • Prepare, review, and provide recommendations on commercial credit analyses and loan presentations
  • Evaluate loan structures, including collateral, guarantor support, repayment sources, and covenant requirements
  • Partner with Commercial Banking team members to provide credit guidance and support
Committee amp; Management Reporting
  • Assist in the preparation of credit-related reporting and materials for Loan Committee, Executive Management, and Board-level committees
  • Provide analysis related to portfolio composition, concentrations, risk ratings, asset quality trends, and other key credit metrics
  • Support Loan Committee administration, including materials, documentation, and follow-up items
ACL amp; Portfolio Analytics
  • Support the Allowance for Credit Losses (ACL) process, including data collection, analysis, and reporting
  • Partner with Credit Administration leadership and Finance to ensure accurate portfolio information and appropriate credit risk monitoring
Policy, Compliance amp; Regulatory Support
  • Ensure credit activities align with regulatory expectations, internal policies, and sound banking practices
  • Support regulatory examinations, audits, and loan reviews through preparation of materials and responses
Collaboration amp; Continuous Improvement
  • Partner cross-functionally with Commercial Banking, Loan Operations, Finance, and other departments to support effective credit administration practices
  • Identify opportunities to strengthen credit processes, reporting, and workflows
  • Provide guidance and support to team members on credit analysis and underwriting practices
  • Maintain awareness of market conditions, industry trends, and regulatory developments
About You:
  • 10+ years of progressive commercial banking, credit analysis, underwriting, portfolio management, or credit administration experience
  • Deep expertise in underwriting, financial analysis, and portfolio risk management
  • Strong knowledge of regulatory frameworks and credit governance
  • Proven ability to lead teams and influence senior stakeholders
  • Executive presence with strong communication and decision-making skills
  • Strategic mindset with a disciplined approach to risk
  • Bachelor’s degree in Finance, Accounting, or related field (advanced degree or certifications preferred)
Why Bay State Bank?
  • Community-focused mutual bank committed to long-term relationships and local impact
  • Collaborative, values-based culture
  • Opportunity to contribute to the continued growth and strength of the Bank’s commercial lending function
  • Direct partnership with experienced Credit and Commercial Banking leadership
  • Meaningful opportunity to influence credit practices, portfolio management, and process improvement
Bay State Bank is committed to offering compensation that is fair, competitive, and informed by the market. The salary range for this position starts at $110,000 annually, with final offers determined based on a candidate’s individual qualifications, including experience, skills, education, and any relevant certifications.
We also take a thoughtful approach to internal equity, ensuring that compensation decisions are aligned with our existing team and consistent across the organization. As part of our commitment to growth and development, starting offers are typically positioned to allow for future progression over time.
We encourage open dialogue throughout the hiring process and welcome any questions related to compensation and benefits to ensure clarity and alignment for both you and our team.

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