Credit Risk Analyst Jobs in Texas
Credit Risk Analyst jobs in Texas are among the most active in the country, concentrated in commercial banking, energy finance, and corporate credit across a hiring market that runs from entry-level analysts through senior credit officers. Houston, Dallas, and San Antonio anchor most of the demand, with major employers like JPMorgan Chase, Wells Fargo, and Frost Bank sustaining consistent pipelines of credit risk roles. Energy sector credit analysis, commercial real estate underwriting, and consumer lending risk are the specialties drawing the strongest interest from Texas employers right now. Find a role that fits below and apply directly.
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Showing 5 of 32+ Credit Risk Analyst jobs
About this role:
Wells Fargo is seeking a Risk Analytics Director, Portfolio Insights & Committee Governance within the Consumer Banking & Lending (CBL) Chief Risk Officer (CRO) organization.
This senior leader will direct cross-consumer credit portfolio analysis and oversee a team responsible for recurring monitoring, benchmarking, and emerging risk identification. The role will also lead credit risk governance and committee activities, ensuring senior leaders receive timely, relevant, and decision-useful information on portfolio performance, emerging risks, and areas warranting increased focus. The Director will partner across Risk and business functions and serve as a trusted advisor to senior leadership.
In this role, you will:
- Assess cross-consumer credit performance, consumer financial health and behavior, emerging risks, marginal segment concentrations, and macroeconomic influences.
- Lead the development of portfolio insights and risk analytics that give senior leadership a comprehensive view of credit performance, trends, and emerging risks.
- Translate complex data, reporting, and risk information into clear, actionable insights and connect findings to broader business priorities.
- Continuously improve credit reporting and analytics to enhance the quality, clarity, and effectiveness of information provided to senior management.
- Lead credit risk committee governance, including development of materials that support effective discussion, challenge, escalation, and decision-making.
- Drive continuous improvements to credit governance frameworks, control standards, and processes to promote consistency, transparency, and accountability.
- Partner with leaders across Risk and business functions to understand portfolio developments and ensure key risk observations are appropriately represented and escalated.
- Lead cross-functional initiatives that strengthen credit insights, management reporting, and credit risk governance.
- Develop executive-level presentations and communicate complex risk matters effectively to senior leadership and governance forums.
- Exercise sound judgment in identifying risks that require senior management attention, escalation, or further analysis.
- Lead and develop a high-performing team, fostering analytical rigor, effective challenge, accountability, collaboration, and talent development.
- Serve as a trusted advisor to senior leadership on credit trends, emerging risks, and credit governance matters.
Required Qualifications:
- 10+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- 4+ years of management or leadership experience
Desired Qualifications:
- Extensive hands-on experience in consumer lending and credit-risk; with direct product experience across Credit Card, Auto Lending and Home lending most desired
- Experience analyzing cross-product portfolios and customer segments, identifying emerging risks from internal and external indicators, and communicating findings and recommendations to senior management.
- Ability to work with large, complex datasets and develop analytics that address evolving stakeholder and senior leadership needs.
- Experience leading risk governance, committee, and executive reporting processes.
- Executive-level communication skills, including the ability to translate complex risk matters into clear, actionable recommendations for varied audiences.
- Demonstrated ability to influence stakeholders, build collaborative partnerships, and drive outcomes across multiple lines of business and organizational levels.
- Strong problem-solving, judgment, and decision-making skills, with the ability to turn findings into priorities and actions.
- Strong organizational and prioritization skills, with the ability to lead multiple complex and competing priorities.
- Proven people leadership, including setting direction, developing talent, establishing accountability, and guiding teams toward strategic business and risk objectives.
Job Expectations:
- Required location listed above.
- This position currently offers a hybrid work schedule.
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities. $185,000.00 - $300,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
- Health benefits
- 401(k) Plan
- Paid time off
- Disability benefits
- Life insurance, critical illness insurance, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
Posting End Date:
3 Nov 2026- Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.
About this role:
Wells Fargo is seeking a Risk Analytics Director, Portfolio Insights & Committee Governance within the Consumer Banking & Lending (CBL) Chief Risk Officer (CRO) organization.
This senior leader will direct cross-consumer credit portfolio analysis and oversee a team responsible for recurring monitoring, benchmarking, and emerging risk identification. The role will also lead credit risk governance and committee activities, ensuring senior leaders receive timely, relevant, and decision-useful information on portfolio performance, emerging risks, and areas warranting increased focus. The Director will partner across Risk and business functions and serve as a trusted advisor to senior leadership.
In this role, you will:
- Assess cross-consumer credit performance, consumer financial health and behavior, emerging risks, marginal segment concentrations, and macroeconomic influences.
- Lead the development of portfolio insights and risk analytics that give senior leadership a comprehensive view of credit performance, trends, and emerging risks.
- Translate complex data, reporting, and risk information into clear, actionable insights and connect findings to broader business priorities.
- Continuously improve credit reporting and analytics to enhance the quality, clarity, and effectiveness of information provided to senior management.
- Lead credit risk committee governance, including development of materials that support effective discussion, challenge, escalation, and decision-making.
- Drive continuous improvements to credit governance frameworks, control standards, and processes to promote consistency, transparency, and accountability.
- Partner with leaders across Risk and business functions to understand portfolio developments and ensure key risk observations are appropriately represented and escalated.
- Lead cross-functional initiatives that strengthen credit insights, management reporting, and credit risk governance.
- Develop executive-level presentations and communicate complex risk matters effectively to senior leadership and governance forums.
- Exercise sound judgment in identifying risks that require senior management attention, escalation, or further analysis.
- Lead and develop a high-performing team, fostering analytical rigor, effective challenge, accountability, collaboration, and talent development.
- Serve as a trusted advisor to senior leadership on credit trends, emerging risks, and credit governance matters.
Required Qualifications:
- 10+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- 4+ years of management or leadership experience
Desired Qualifications:
- Extensive hands-on experience in consumer lending and credit-risk; with direct product experience across Credit Card, Auto Lending and Home lending most desired
- Experience analyzing cross-product portfolios and customer segments, identifying emerging risks from internal and external indicators, and communicating findings and recommendations to senior management.
- Ability to work with large, complex datasets and develop analytics that address evolving stakeholder and senior leadership needs.
- Experience leading risk governance, committee, and executive reporting processes.
- Executive-level communication skills, including the ability to translate complex risk matters into clear, actionable recommendations for varied audiences.
- Demonstrated ability to influence stakeholders, build collaborative partnerships, and drive outcomes across multiple lines of business and organizational levels.
- Strong problem-solving, judgment, and decision-making skills, with the ability to turn findings into priorities and actions.
- Strong organizational and prioritization skills, with the ability to lead multiple complex and competing priorities.
- Proven people leadership, including setting direction, developing talent, establishing accountability, and guiding teams toward strategic business and risk objectives.
Job Expectations:
- Required location listed above.
- This position currently offers a hybrid work schedule.
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities. $185,000.00 - $300,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
- Health benefits
- 401(k) Plan
- Paid time off
- Disability benefits
- Life insurance, critical illness insurance, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
Posting End Date:
3 Nov 2026- Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.
See All 32 Credit Risk Analyst Jobs in Texas
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Find Credit Risk Analyst JobsCredit Risk Analyst Jobs by City in Texas
Where Texas roles are concentrated, by current openings.
Credit Risk Analyst Job Market in Texas
A snapshot from current Texas openings, updated as new roles post.
Who's Hiring
- JPMorganChase10
- USAA4
- T-Mobile3
- ALTRUIST2
- Goldman Sachs2
Top Industries Hiring
- Telecommunications
- Banking & Financial Services
- Investment & Asset Management
What Texas Employers Look For
The qualifications that appear most often in credit risk analyst jobs across Texas.
- Bachelor's degree in finance, economics, accounting, or a related quantitative field
- Proficiency in credit analysis software and financial modeling tools such as Excel
- Experience reviewing financial statements and assessing commercial or consumer creditworthiness
- Knowledge of regulatory frameworks including Basel III and federal banking examination standards
- Professional certification such as CFA, FRM, or Credit Risk Certification preferred by many employers
- Strong written communication skills for preparing credit memos and presenting findings to committees
Credit Risk Analyst Jobs in Texas: Frequently Asked Questions
How do you become a credit risk analyst in Texas?
A bachelor's degree in finance, economics, accounting, or a quantitative field is the standard entry point for credit risk analyst roles in Texas. The role carries no state-issued license from a Texas licensing board, but many Texas employers expect or prefer candidates who hold the Financial Risk Manager designation, the CFA credential, or the Credit Risk Certification offered by the Risk Management Association. Texas's large banking and energy sectors favor candidates who combine academic preparation with internship or co-op experience in commercial lending or financial analysis.
How much do credit risk analysts make in Texas?
Credit risk analysts in Texas earn a median of about $78,730 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $50,600 for the lowest 10% to over $134,860 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire credit risk analysts in Texas?
Employers hiring credit risk analysts in Texas right now include JPMorganChase, USAA, and T-Mobile, based on current listings on Migrate Mate as of November 2026. Texas's concentration of major bank regional headquarters, energy companies, and insurance carriers means the pipeline of credit risk openings stays broad and relatively consistent throughout the year.
Which Texas cities have the most credit risk analyst jobs?
Plano, Houston, and Dallas lead Texas for credit risk analyst openings. Houston drives much of the volume through its dense cluster of energy company treasury operations and regional bank offices, while Dallas supports strong demand from corporate headquarters and financial services firms, and San Antonio contributes steady hiring through its established banking institutions and USAA's large financial operations presence.
Are there remote credit risk analyst jobs in Texas?
Yes, and more than most fields, since credit analysis is fundamentally a desk-based and data-driven discipline. About 60% of credit risk analyst openings tied to Texas are remote or hybrid as of November 2026, reflecting how well the analytical and documentation-heavy nature of the work translates to distributed settings. Portfolio monitoring, financial statement review, and credit memo writing are the functions most commonly structured for remote delivery.
How can I get hired as a credit risk analyst in Texas with little or no experience?
The most realistic entry path is through a credit analyst training program or commercial banking rotational program at one of Texas's large regional banks, where institutions like Frost Bank, Comerica, and Texas Capital Bank regularly bring in new graduates for structured analyst cohorts. Roles such as loan processor, underwriting assistant, or financial analyst associate serve as practical lateral moves that build relevant exposure. Pursuing the Credit Risk Certification through the Risk Management Association or completing a CFA Level I while in an entry role strengthens a candidacy considerably for promotion into full credit risk analyst positions.
Where can I find and apply to credit risk analyst jobs in Texas?
You can find and apply to credit risk analyst jobs in Texas on Migrate Mate, which lists current Texas openings updated regularly. Find roles that fit your background and apply directly to the employers posting them.
See All 32 Credit Risk Analyst Jobs in Texas
Find roles in Texas that match your experience and apply in just a few clicks.
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