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Vp Credit Risk Jobs in Texas (NOW HIRING)

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Vp Credit Risk information

See Texas salary details

$80.6K

$147.5K

$223.1K

How much do vp credit risk jobs pay per year?

As of Sep 13, 2026, the average yearly pay for vp credit risk in Texas is $147,492.00, according to ZipRecruiter salary data. Most workers in this role earn between $124,400.00 and $165,400.00 per year, depending on experience, location, and employer.

What does a VP Credit Risk do?

A VP Credit Risk is responsible for overseeing the credit risk management strategies and policies within a financial institution or corporation. They analyze and assess the creditworthiness of borrowers, manage portfolios to minimize risk exposure, and ensure compliance with regulatory standards. These professionals also work closely with senior management to develop risk models and recommend actions that align with the organization's risk appetite. Their role is critical in maintaining the financial health and stability of the organization.

What are the key skills and qualifications needed to thrive as a VP of Credit Risk?

To thrive as a VP of Credit Risk, you need deep expertise in credit analysis, risk management, and financial modeling, typically supported by an advanced degree in finance or a related field. Familiarity with credit risk assessment tools, regulatory compliance systems, and data analytics platforms such as SAS or Moody's RiskCalc is crucial. Strong leadership, strategic thinking, and communication skills help you effectively manage teams and collaborate with stakeholders. These skills are essential for making informed credit decisions, minimizing losses, and ensuring regulatory compliance in complex financial environments.

What are some common challenges a VP of Credit Risk faces when balancing risk management and business growth objectives?

As a VP of Credit Risk, one of the main challenges is maintaining a delicate balance between safeguarding the organization's financial health and enabling revenue growth. This often involves developing risk frameworks that allow for prudent lending while supporting business expansion. You will frequently collaborate across departments—such as sales, underwriting, and compliance—to align risk policies with strategic goals and adapt to changing market conditions. Navigating regulatory requirements and responding to shifts in economic environments are also key aspects of the role.

What is the difference between Vp Credit Risk vs Credit Analyst?

AspectVp Credit RiskCredit Analyst
Required CredentialsBachelor's degree, often MBA or related certifications, experience in risk managementBachelor's degree, finance or related field, relevant certifications optional
Work EnvironmentStrategic, leadership-focused, overseeing credit risk policiesAnalytical, detail-oriented, assessing individual credit applications
Employer & Industry UsageFinancial institutions, banks, large corporationsBanks, lending companies, financial services

The Vp Credit Risk typically holds a senior leadership role focused on managing and overseeing credit risk strategies across an organization, requiring extensive experience and certifications. In contrast, a Credit Analyst primarily conducts detailed credit assessments and analysis at a more operational level. Both roles are vital in the credit process but differ significantly in scope, responsibilities, and seniority.

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

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

What are popular job titles related to Vp Credit Risk jobs in Texas?

For Vp Credit Risk jobs in Texas, the most frequently searched job titles are:

What job categories do people searching Vp Credit Risk jobs in Texas look for?

The top searched job categories for Vp Credit Risk jobs in Texas are:

What cities in Texas are hiring for Vp Credit Risk jobs?

Cities in Texas with the most Vp Credit Risk job openings:

Vp Credit Risk jobs near you
Infographic showing various Vp Credit Risk job openings in Texas as of September 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $147,492 per year, or $70.9 per hour.

Vice President, Credit Risk Manager

Fort Worth, TX • On-site

First Command Financial Services, Inc.
Finance and Insurance • 1 - 5K employees
Learn more about First Command Financial Services, Inc.external

Full-time

Posted 3 days ago

New

First Command Financial Services rating

7.5

Company rating: 7.5 out of 10

Based on 11 frontline employees who took The Breakroom Quiz

Job description


How will this employee impact First Command?
First Command Bank is seeking a strategic and experienced Vice President (VP), Credit Risk Manager to lead the independent "second line" credit risk function across both the consumer and commercial lending portfolios. This role is responsible for establishing and maintaining a comprehensive credit risk framework that supports safe and sound growth while ensuring adherence to regulatory requirements and the Bank's risk appetite.
The VP, Credit Risk Manager will provide independent oversight of credit risk, portfolio performance, credit policy governance, concentration management, risk reporting, stress testing, and credit analytics. The position partners closely with Lending, Credit Administration, Finance, Compliance, Internal Audit, and Executive Leadership to ensure effective identification, measurement, monitoring, and mitigation of credit risk across the organization.
What will this employee be doing?
Credit Risk Oversight & Governance
  • Develop, implement, and maintain the Bank's enterprise credit risk management framework.
  • Monitor and assess credit risk across consumer and commercial portfolios.
  • Ensure credit risk practices align with the Bank's strategic objectives, risk appetite, and regulatory expectations.
  • Serve as a key advisor to executive management on emerging credit risk trends, concentrations, and portfolio vulnerabilities.
  • Present portfolio performance, risk metrics, and key credit insights to executive management committees and the Board of Directors.

Portfolio Risk Management
  • Develop and monitor portfolio-level credit risk metrics, key risk indicators (KRIs), and concentration limits.
  • Identify adverse trends, emerging risks, and early warning indicators within lending portfolios.
  • Conduct portfolio segmentation and performance analysis by product, collateral type, industry, geography, risk rating, and borrower characteristics.
  • Monitor delinquency, charge-off, recovery, migration, and loss trends.
  • Perform stress testing and sensitivity analyses to assess portfolio resilience under changing economic conditions.

Credit Policy & Underwriting Oversight
  • Recommend policy enhancements based on portfolio trends, market conditions, and regulatory guidance.
  • Partner with lending teams to ensure underwriting standards are consistently applied and aligned with risk appetite.
  • Recommend granting, increasing, restricting, or revoking credit authority levels.
  • Review and challenge exceptions to policy and emerging underwriting risks.

Risk Analytics & Reporting
  • Design and maintain credit risk dashboards and management reporting.
  • Prepare quarterly portfolio reviews, concentration analyses, and credit risk reports for management and Board committees.
  • Develop predictive and analytical reporting to identify risk migration and portfolio deterioration.
  • Utilize data analytics to support decision-making and portfolio optimization.

Allowance and Regulatory Support
  • Partner with Finance and Accounting teams in the administration and validation of the Allowance for Credit Losses (ACL/CECL) methodology.
  • Provide credit risk inputs for capital planning, budgeting, and strategic planning processes.
  • Support regulatory examinations, internal audits, external audits, and independent loan review activities.
  • Ensure compliance with applicable regulatory guidance and banking industry best practices.

Problem Loan & Risk Mitigation Oversight
  • Monitor criticized, classified, and watch-list credits.
  • Collaborate with lending and asset quality teams to develop appropriate action plans for higher-risk relationships.
  • Assess trends in problem assets and recommend strategies to minimize losses.
  • Support collections and workout strategies as needed.

Leadership & Collaboration
  • Lead and further develop a team of credit risk professionals.
  • Foster a strong risk culture throughout the organization.
  • Serve as a trusted business partner while maintaining appropriate independent risk oversight.
  • Participate in strategic initiatives, new product reviews, and system implementations impacting credit risk management.

What skills and qualifications does this employee need?
Education
  • Bachelor's degree in Finance, Accounting, Economics, Business, or related field required.
  • Master's degree, MBA, banking school or advanced banking certification preferred.

Experience
  • Minimum 7-10 years of progressive experience in credit risk management, credit administration, commercial credit, consumer lending, or related banking functions.
  • Minimum 3-5 years of management experience preferred.
  • Experience overseeing both consumer and commercial lending risk portfolios strongly preferred.
  • Experience with community banking or regional banking environments preferred.
  • Strong understanding of CECL, credit risk analytics, portfolio management, and regulatory expectations.

Knowledge, Skills & Abilities
  • Extensive knowledge of consumer and commercial credit risk principles.
  • Strong understanding of OCC, FDIC, Federal Reserve, and interagency credit risk guidance.
  • Demonstrated expertise in credit policy development and governance.
  • Experience with portfolio stress testing and concentration risk management.
  • Strong analytical, quantitative, and problem-solving skills.
  • Excellent communication and presentation skills, including Board-level reporting.
  • Ability to influence and challenge business decisions constructively.
  • Advanced proficiency in Excel, business intelligence tools, and portfolio analytics platforms.

Key Performance Indicators
Success in this role may be measured through:
  • Portfolio asset quality performance.
  • Delinquency, charge-off, and loss trends.
  • Credit policy adherence and governance effectiveness.
  • Accuracy and quality of credit risk reporting.
  • Regulatory examination and audit results.
  • Effectiveness of concentration risk monitoring.
  • Timeliness and effectiveness of risk identification and mitigation.
  • Team engagement and development.

About First Command Bank
First Command Bank is committed to helping military families pursue their financial goals. We provide banking and lending solutions to serve the unique needs of those who serve our nation. The VP, Credit Risk Manager plays a critical role in ensuring the Bank continues to grow responsibly while maintaining strong asset quality and prudent risk management practices.
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About First Command Financial Services

Sourced by ZipRecruiter

First Command Financial Services, based in Fort Worth, TX, US, operates within the financial services industry. Established in 1958, this company's mission is to "coach those who serve in their pursuit of financial security." With its suite of services and products, including investment management and financial planning, the firm is dedicated to helping military families and federal employees achieve financial security. Over the years, First Command has made a name for itself through integrity, commitment, and an approach built upon trust, resulting in substantial client loyalty. Featured among its notable achievements is the company's consistent placement among the top 1% of all wealth management firms in the USA in terms of long-term investment results, confirming their commitment to providing exceptional financial services.

Industry

Finance and insurance

Company size

1,001 - 5,000 Employees

Headquarters location

Fort Worth, TX, US

Year founded

1958

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