Credit Risk Officer Jobs
Credit Risk Officer jobs are open across banking, fintech, insurance, and corporate lending, at every level from analyst to senior and director, with specializations in credit portfolio management, underwriting, and regulatory compliance. See the openings below and apply to the ones that match your experience.
Find Credit Risk Officer JobsOverview
Showing 5 of 12+ Credit Risk Officer jobs
Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.
As an Environmental Risk Vice President in Environmental Risk Management, you provide expert environmental risk review and guidance for commercial real estate secured lending and related portfolios. You work with us to apply the Environmental Risk Management Guideline and line-of-business procedures in day-to-day execution, helping ensure consistent, well-documented decisions. You translate environmental due diligence findings into clear written and verbal recommendations that support timely credit decisions and risk mitigation. You help us continuously improve processes, documentation, and quality through peer review and operational enhancements. You may also lead day-to-day workflow and provide guidance to colleagues, supporting our shared culture of accountability and development.
Job Responsibilities
- Review environmental records and due diligence reports for commercial real estate secured loan transactions and prepare recommendation memoranda
- Procure environmental due diligence and remediation reports from qualified consultants in accordance with bank guidelines
- Analyze collateral assets across lending, portfolio management, and real estate owned acquisition and disposition activities
- Evaluate Phase I Environmental Site Assessments and additional investigations for defaulted commercial real estate loans
- Coordinate consultant requests for proposals, scope definition, selection, monitoring, and work-product review
- Advise bankers, underwriters, and management on findings, next steps, further investigation needs, and risk avoidance or mitigation options
- Review complex property situations, including contaminated properties undergoing or requiring remediation
- Critically review scopes of work for Phase II subsurface investigations and remedial action plans
- Perform peer review of colleagues' memoranda in alignment with the peer review matrix
- Develop and standardize tools and documentation such as inspection checklists, questionnaires, and request templates
- Lead and execute special projects, including acquisition-related exposure analysis and audit response support
Required qualifications, capabilities, and skills
- Bachelor's degree (or equivalent education) in environmental sciences or a related field
- At least 8+ years of experience administering environmental investigations, environmental risk management, or loss prevention programs supporting commercial real estate assets
- Demonstrated experience performing technical review of environmental due diligence reports and translating results into written recommendations
- Demonstrated knowledge of federal and state environmental laws and regulatory guidance relevant to environmental risk in banking
- Demonstrated ability to assess environmental liability drivers and recommend avoidance, reduction, and mitigation techniques
- Demonstrated ability to evaluate Phase I Environmental Site Assessments and guide additional investigation needs, including Phase II subsurface investigations
- Strong written and verbal communication skills with internal stakeholders, including underwriters, bankers, and credit approvers
- Proficiency with Microsoft Outlook, Word, PowerPoint, and Excel
- Demonstrated ability to manage pipeline workload, meet due dates, and produce consistently sound risk decisions
- Demonstrated ability to perform quality review of peer work products and provide constructive feedback
- Demonstrated ability to guide day-to-day work and provide direction on complex situations for a team or workgroup
Preferred qualifications, capabilities and skills
- Professional designation or license such as Registered Environmental Assessor
- Professional designation such as Certified Asbestos Consultant (or equivalent)
- Experience supporting environmental risk decisions for large, complex commercial real estate portfolios at a lender
- Experience developing standardized minimum report standards and review templates for environmental deliverables
- Experience managing consultant performance, including scope development, fee review, and deliverable quality control
- Experience supporting environmental risk analysis for acquisitions and audit examinations
- Prior people leadership experience including coaching, training, and performance feedback
ABOUT US
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
ABOUT THE TEAM
J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.
Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.
As an Environmental Risk Vice President in Environmental Risk Management, you provide expert environmental risk review and guidance for commercial real estate secured lending and related portfolios. You work with us to apply the Environmental Risk Management Guideline and line-of-business procedures in day-to-day execution, helping ensure consistent, well-documented decisions. You translate environmental due diligence findings into clear written and verbal recommendations that support timely credit decisions and risk mitigation. You help us continuously improve processes, documentation, and quality through peer review and operational enhancements. You may also lead day-to-day workflow and provide guidance to colleagues, supporting our shared culture of accountability and development.
Job Responsibilities
- Review environmental records and due diligence reports for commercial real estate secured loan transactions and prepare recommendation memoranda
- Procure environmental due diligence and remediation reports from qualified consultants in accordance with bank guidelines
- Analyze collateral assets across lending, portfolio management, and real estate owned acquisition and disposition activities
- Evaluate Phase I Environmental Site Assessments and additional investigations for defaulted commercial real estate loans
- Coordinate consultant requests for proposals, scope definition, selection, monitoring, and work-product review
- Advise bankers, underwriters, and management on findings, next steps, further investigation needs, and risk avoidance or mitigation options
- Review complex property situations, including contaminated properties undergoing or requiring remediation
- Critically review scopes of work for Phase II subsurface investigations and remedial action plans
- Perform peer review of colleagues' memoranda in alignment with the peer review matrix
- Develop and standardize tools and documentation such as inspection checklists, questionnaires, and request templates
- Lead and execute special projects, including acquisition-related exposure analysis and audit response support
Required qualifications, capabilities, and skills
- Bachelor's degree (or equivalent education) in environmental sciences or a related field
- At least 8+ years of experience administering environmental investigations, environmental risk management, or loss prevention programs supporting commercial real estate assets
- Demonstrated experience performing technical review of environmental due diligence reports and translating results into written recommendations
- Demonstrated knowledge of federal and state environmental laws and regulatory guidance relevant to environmental risk in banking
- Demonstrated ability to assess environmental liability drivers and recommend avoidance, reduction, and mitigation techniques
- Demonstrated ability to evaluate Phase I Environmental Site Assessments and guide additional investigation needs, including Phase II subsurface investigations
- Strong written and verbal communication skills with internal stakeholders, including underwriters, bankers, and credit approvers
- Proficiency with Microsoft Outlook, Word, PowerPoint, and Excel
- Demonstrated ability to manage pipeline workload, meet due dates, and produce consistently sound risk decisions
- Demonstrated ability to perform quality review of peer work products and provide constructive feedback
- Demonstrated ability to guide day-to-day work and provide direction on complex situations for a team or workgroup
Preferred qualifications, capabilities and skills
- Professional designation or license such as Registered Environmental Assessor
- Professional designation such as Certified Asbestos Consultant (or equivalent)
- Experience supporting environmental risk decisions for large, complex commercial real estate portfolios at a lender
- Experience developing standardized minimum report standards and review templates for environmental deliverables
- Experience managing consultant performance, including scope development, fee review, and deliverable quality control
- Experience supporting environmental risk analysis for acquisitions and audit examinations
- Prior people leadership experience including coaching, training, and performance feedback
ABOUT US
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
ABOUT THE TEAM
J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.
Credit Risk Officer Jobs by Experience Level
See All 12 Credit Risk Officer Jobs
Find roles that match your experience and apply in just a few clicks.
Find Credit Risk Officer JobsCredit Risk Officer Job Market
Who's Hiring
What Employers Look For
The qualifications that appear most often in credit risk officer jobs.
- Bachelor's degree in finance, economics, accounting, or a related quantitative field
- Experience building or validating credit risk models and scorecards
- Proficiency in SQL, Python, or R for data analysis and model development
- Familiarity with regulatory frameworks including Basel III, CECL, or Dodd-Frank
- Strong written communication skills for credit memos and committee presentations
- FRM, CFA, or equivalent professional certification preferred for senior roles
Tips for Your Credit Risk Officer Job Search
Tailor your resume to credit risk tools
Hiring managers scan for specific software and frameworks. Call out your hands-on experience with risk rating models, credit scoring systems, and portfolio analytics platforms early in your resume, not buried in a skills list at the bottom.
Quantify portfolio exposure you managed
Generic phrases like 'managed credit risk' don't land. Replace them with concrete scope: loan book size, number of counterparties reviewed, or default rates you reduced. Reviewers compare candidates on those numbers, so give them something to compare.
Target openings by regulatory environment
A credit risk role at a community bank operates under different capital requirements than one at a fintech or asset manager. Filter for the regulatory context you know best, whether that's Basel III, CECL accounting, or consumer lending rules, so your credentials align immediately.
Apply early to roles that fit
Migrate Mate lists credit risk officer openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare for model validation case questions
Interviews for credit risk roles frequently include a walk-through of a model you built or reviewed. Know your assumptions, how you stress-tested them, and what you would change. Reviewers want to see your reasoning process, not a perfect outcome.
Negotiate using risk certification benchmarks
If you hold the FRM, CFA, or a comparable credential, reference its market positioning when discussing compensation. Certifications in credit risk signal continuing education investment and strengthen your leverage, especially when moving between sectors like banking and insurance.
Credit Risk Officer Jobs: Frequently Asked Questions
Which companies are hiring the most credit risk officers?
The companies hiring the most credit risk officers right now include JPMorganChase, BBVA, and Truist, with the largest share of openings in Texas, New York, and Ohio, based on current listings on Migrate Mate as of November 2026. Demand tends to concentrate in institutions with large commercial lending or consumer credit portfolios.
How many credit risk officer jobs are remote?
About 33% of credit risk officer openings are fully remote or hybrid as of November 2026, reflecting the analytical and policy-driven nature of the work. Model validation, portfolio monitoring, and policy documentation roles are the most likely to allow remote arrangements, while roles with direct borrower or committee interaction skew toward in-office or hybrid schedules.
How do you become a credit risk officer?
Start with a degree in finance, economics, statistics, or accounting, then build hands-on experience in credit analysis, underwriting, or lending operations. Develop quantitative skills in modeling and data tools, earn a recognized certification like the FRM or CFA, and move into roles with increasing portfolio responsibility. Most credit risk officers reach the title after several years progressing through analyst or associate-level credit positions.
Can I get hired as a credit risk officer without direct experience?
Entry into credit risk without a direct background is possible if you can demonstrate analytical depth from adjacent roles such as financial analysis, audit, or commercial banking. Build familiarity with credit concepts, scoring frameworks, and relevant regulations on your own, highlight any exposure to loan review or underwriting in your resume, and target smaller institutions or fintech lenders where the hiring bar for formal experience is sometimes lower than at large banks.
What does the credit risk officer interview process look like?
Most credit risk officer interviews include a screening call focused on your technical background, followed by one or two rounds covering model methodology, regulatory knowledge, and credit decision-making scenarios. Expect at least one case study or take-home exercise where you analyze a credit file, stress-test assumptions, or write a mock credit memo. Final rounds often involve a panel from risk management, finance, or compliance leadership.
Where can I find and apply to credit risk officer jobs?
You can find and apply to credit risk officer jobs on Migrate Mate, which lists current openings from employers across the United States. Search for roles that match your specialization and experience level, then apply directly to each listing that fits.
See All 12 Credit Risk Officer Jobs
Find roles that match your experience and apply in just a few clicks.
Find Credit Risk Officer Jobs