Credit Risk Analyst Jobs in Ohio
Credit Risk Analyst jobs in Ohio are consistently active, with strong demand concentrated in commercial banking, consumer lending, insurance, and financial services firms that have deep roots in the state, from entry-level analyst roles through senior and principal positions. Columbus, Cleveland, and Cincinnati are the primary hiring metros, anchored by employers such as JPMorgan Chase, Fifth Third Bank, and Nationwide Insurance. Portfolio risk modeling, regulatory compliance analysis, and commercial credit underwriting are among the most sought-after specialties in Ohio listings. Find a role that fits below and apply directly.
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The Credit Review Portfolio Risk Analyst I primarily administers the Abrigo DiCOM platform to support portfolio risk evaluation, risk-based loan sampling, borrower line sheet reviews, reporting, trend analysis, and the identification of emerging risks. The role also leverages approved AI tools to enhance efficiency, consistency, and quality of lending segment examinations. The position performs credit reviews across lending segments and contributes to the achievement of departmental objectives. This role develops credit analysis expertise through exposure to a broad range of borrower financial and business profiles. The Credit Review Portfolio Risk Analyst I demonstrates developing proficiency in assessing a borrower’s repayment capacity, evaluating the accuracy of assigned risk ratings, and reviewing the effectiveness of the Bank’s ongoing monitoring activities. The position collaborates with Credit Review Officers to perform detailed analysis and examination of basic to moderate credit relationships, with guidance from the Senior Credit Review Manager as needed and communicates results to management. Proficiency in Microsoft Word and Excel, along with strong analytical, organizational, and problem-solving skills, is required.
Essential Job Responsibilities____________________________________
1. Serves as the Abrigo DiCOM application administrator, including portfolio risk assessments, data tracking and analysis, reporting, and data integrity. Balance supporting Credit Review loan review activities in conducting independent credit reviews across all lending segments with credit review systems data analysis, tracking, and risk assessment, while also helping achieve the review-specific and annual objectives of the department.
2. Develop credit analysis skills through exposure to a variety of borrower financial conditions, business profiles, industries, and credit structures, and collateral evaluations.
3. Evaluates borrower repayment capacity, validates the accuracy of assigned risk ratings, and assesses the effectiveness of the Bank’s ongoing credit monitoring activities.
4. Performs detailed, independent analysis of basic to moderate credit relationships, with guidance from Senior Credit Review Officers as needed, and communicates results to management.
5. Assists with basic reviews by identifying exceptions, analyzing trends, compiling findings, and preparing results in standard report formats.
6. Reviews loan portfolios for adherence to applicable laws, regulations, policies, procedures, and prudent credit risk management practices.
7. Develops and maintains current knowledge of laws, regulations, policies, and emerging credit risk practices that affect the Credit Review function.
8. Assists other Audit departments as needed and develops cross-functional review skills.
9. Coordinates and communicates with internal departments and external auditors to obtain information, clarify review matters, and support timely completion of review activities.
10. Gather necessary information and documentation to support credit review team members.
Desired Skills ______________________________________________
1. Understanding of basic financial statements and credit principles and ability to analyze information and identify potential risk indicators.
2. Loan documentation and collateral review — familiarity with loan agreements, collateral documentation, lien perfection, appraisals, covenant requirements, borrowing bases, and exceptions.
3. Regulatory and policy awareness — working knowledge of banking regulations, credit policy, lending standards, internal controls, and safety-and-soundness expectations.
4. Audit/review discipline — ability to plan and execute review procedures, document work clearly, support conclusions, identify root causes, and communicate exceptions constructively.
5. Analytical curiosity and professional skepticism — willingness to ask probing questions, identify emerging risk trends, and connect borrower-level findings to broader portfolio risk.
6. Written communication and report writing — ability to prepare concise credit review narratives, findings, recommendations, and management-ready summaries.
7. Data and portfolio analysis skills — comfort using Excel and reporting tools to analyze loan populations, trends, concentrations, exceptions, and risk indicators.
8. Collaboration and relationship management — ability to interact professionally with lenders, portfolio strategists/managers, credit administration, risk management, internal audit, and external examiners while maintaining independence.
9. Attention to detail and accuracy — thoroughness in reviewing documents, financial data, risk ratings, exceptions, and compliance with policy requirements.
10. Continuous learning mindset — interest in developing expertise in credit risk, regulatory expectations, accounting, industry analysis, and audit/review methodology.
11. Relevant credentials or training preferred — coursework or certifications in commercial credit, accounting, banking, internal audit, risk management, or financial analysis can be helpful.
Bona Fide Occupational Qualifications_____________________________
1. A bachelor’s degree in Finance, Accounting, or related field.
2. 0-3 years of banking, credit, lending, audit, or related financial services experience.
3. Prior internship or entry-level experience in banking, credit administration, or finance is preferred.
4. Strong ability to apply financial institution policies and procedures to work performed, and proficiency in Microsoft Word and Excel is essential.
5. Excellent communication, organizational, problem-solving, and analytical skills, including the ability to define problems, collect data, establish facts, and draw conclusions. Proficient reading, writing, and grammatical skills.
6. Must possess a valid driver’s license and be available for regional travel as needed.
7. May be eligible for Telecommuting
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.
The Credit Review Portfolio Risk Analyst I primarily administers the Abrigo DiCOM platform to support portfolio risk evaluation, risk-based loan sampling, borrower line sheet reviews, reporting, trend analysis, and the identification of emerging risks. The role also leverages approved AI tools to enhance efficiency, consistency, and quality of lending segment examinations. The position performs credit reviews across lending segments and contributes to the achievement of departmental objectives. This role develops credit analysis expertise through exposure to a broad range of borrower financial and business profiles. The Credit Review Portfolio Risk Analyst I demonstrates developing proficiency in assessing a borrower’s repayment capacity, evaluating the accuracy of assigned risk ratings, and reviewing the effectiveness of the Bank’s ongoing monitoring activities. The position collaborates with Credit Review Officers to perform detailed analysis and examination of basic to moderate credit relationships, with guidance from the Senior Credit Review Manager as needed and communicates results to management. Proficiency in Microsoft Word and Excel, along with strong analytical, organizational, and problem-solving skills, is required.
Essential Job Responsibilities____________________________________
1. Serves as the Abrigo DiCOM application administrator, including portfolio risk assessments, data tracking and analysis, reporting, and data integrity. Balance supporting Credit Review loan review activities in conducting independent credit reviews across all lending segments with credit review systems data analysis, tracking, and risk assessment, while also helping achieve the review-specific and annual objectives of the department.
2. Develop credit analysis skills through exposure to a variety of borrower financial conditions, business profiles, industries, and credit structures, and collateral evaluations.
3. Evaluates borrower repayment capacity, validates the accuracy of assigned risk ratings, and assesses the effectiveness of the Bank’s ongoing credit monitoring activities.
4. Performs detailed, independent analysis of basic to moderate credit relationships, with guidance from Senior Credit Review Officers as needed, and communicates results to management.
5. Assists with basic reviews by identifying exceptions, analyzing trends, compiling findings, and preparing results in standard report formats.
6. Reviews loan portfolios for adherence to applicable laws, regulations, policies, procedures, and prudent credit risk management practices.
7. Develops and maintains current knowledge of laws, regulations, policies, and emerging credit risk practices that affect the Credit Review function.
8. Assists other Audit departments as needed and develops cross-functional review skills.
9. Coordinates and communicates with internal departments and external auditors to obtain information, clarify review matters, and support timely completion of review activities.
10. Gather necessary information and documentation to support credit review team members.
Desired Skills ______________________________________________
1. Understanding of basic financial statements and credit principles and ability to analyze information and identify potential risk indicators.
2. Loan documentation and collateral review — familiarity with loan agreements, collateral documentation, lien perfection, appraisals, covenant requirements, borrowing bases, and exceptions.
3. Regulatory and policy awareness — working knowledge of banking regulations, credit policy, lending standards, internal controls, and safety-and-soundness expectations.
4. Audit/review discipline — ability to plan and execute review procedures, document work clearly, support conclusions, identify root causes, and communicate exceptions constructively.
5. Analytical curiosity and professional skepticism — willingness to ask probing questions, identify emerging risk trends, and connect borrower-level findings to broader portfolio risk.
6. Written communication and report writing — ability to prepare concise credit review narratives, findings, recommendations, and management-ready summaries.
7. Data and portfolio analysis skills — comfort using Excel and reporting tools to analyze loan populations, trends, concentrations, exceptions, and risk indicators.
8. Collaboration and relationship management — ability to interact professionally with lenders, portfolio strategists/managers, credit administration, risk management, internal audit, and external examiners while maintaining independence.
9. Attention to detail and accuracy — thoroughness in reviewing documents, financial data, risk ratings, exceptions, and compliance with policy requirements.
10. Continuous learning mindset — interest in developing expertise in credit risk, regulatory expectations, accounting, industry analysis, and audit/review methodology.
11. Relevant credentials or training preferred — coursework or certifications in commercial credit, accounting, banking, internal audit, risk management, or financial analysis can be helpful.
Bona Fide Occupational Qualifications_____________________________
1. A bachelor’s degree in Finance, Accounting, or related field.
2. 0-3 years of banking, credit, lending, audit, or related financial services experience.
3. Prior internship or entry-level experience in banking, credit administration, or finance is preferred.
4. Strong ability to apply financial institution policies and procedures to work performed, and proficiency in Microsoft Word and Excel is essential.
5. Excellent communication, organizational, problem-solving, and analytical skills, including the ability to define problems, collect data, establish facts, and draw conclusions. Proficient reading, writing, and grammatical skills.
6. Must possess a valid driver’s license and be available for regional travel as needed.
7. May be eligible for Telecommuting
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.
See All 9 Credit Risk Analyst Jobs in Ohio
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Find Credit Risk Analyst JobsCredit Risk Analyst Jobs by City in Ohio
Where Ohio roles are concentrated, by current openings.
Credit Risk Analyst Job Market in Ohio
A snapshot from current Ohio openings, updated as new roles post.
Who's Hiring
What Ohio Employers Look For
The qualifications that appear most often in credit risk analyst jobs across Ohio.
- Bachelor's degree in finance, economics, accounting, or a quantitative discipline
- Proficiency in credit analysis software and financial modeling tools such as Excel or SAS
- Knowledge of federal and Ohio-regulated lending standards and consumer credit frameworks
- Experience interpreting financial statements, cash flow reports, and borrower creditworthiness
- Familiarity with risk rating systems and loan portfolio management methodologies
- Professional certification such as CFA or FRM preferred for mid-level and senior positions
Credit Risk Analyst Jobs in Ohio: Frequently Asked Questions
How do you become a credit risk analyst in Ohio?
Most credit risk analyst roles in Ohio require a bachelor's degree in finance, economics, accounting, or a related quantitative field. There is no state-issued license specific to this role in Ohio, but employers across Columbus, Cleveland, and Cincinnati strongly favor candidates who hold or are pursuing credentials such as the CFA or FRM. Starting in credit analysis, loan review, or underwriting support at a regional bank or insurance firm is the most common entry path.
How much do credit risk analysts make in Ohio?
Credit risk analysts in Ohio earn a median of about $79,720 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $50,460 for the lowest 10% to over $133,700 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire credit risk analysts in Ohio?
Employers hiring credit risk analysts in Ohio right now include KeyBank, JPMorganChase, and Vertiv, based on current listings on Migrate Mate as of November 2026. Ohio's concentration of regional banks, insurance headquarters, and large financial services firms means credit risk openings are spread across both major metros and suburban office campuses throughout the state.
Which Ohio cities have the most credit risk analyst jobs?
Columbus, Cleveland, and Miamisburg have the most credit risk analyst openings in Ohio. Columbus leads due to its dense cluster of banking headquarters, insurance companies, and fintech firms, while Cleveland's legacy in commercial lending and Cincinnati's concentration of large consumer financial institutions each sustain steady demand for credit risk professionals at all levels.
Are there remote credit risk analyst jobs in Ohio?
Yes, and more than most fields. About 100% of credit risk analyst openings tied to Ohio are remote or hybrid as of November 2026, reflecting the desk-based and analytical nature of the work. Portfolio monitoring, model validation, and regulatory reporting functions are the most commonly offered as fully remote, while roles involving direct client underwriting review tend to require some on-site presence.
How can I get hired as a credit risk analyst in Ohio with little or no experience?
The most realistic entry path is a credit analyst associate or loan review assistant role at a regional bank or credit union in Columbus, Cleveland, or Cincinnati. Large Ohio employers such as Fifth Third Bank and Huntington National Bank run rotational analyst programs and new-graduate development tracks that do not require prior credit risk experience. A finance or economics degree combined with Excel proficiency and a foundational understanding of financial statements gives candidates a meaningful advantage over those without that baseline.
Where can I find and apply to credit risk analyst jobs in Ohio?
You can find and apply to credit risk analyst jobs in Ohio on Migrate Mate, which lists current Ohio openings from employers across the state. Find roles that fit your background and apply directly to each one.
See All 9 Credit Risk Analyst Jobs in Ohio
Find roles in Ohio that match your experience and apply in just a few clicks.
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