Remote Loan and Credit Risk Analyst Job Description

Be the Backbone of Financial Decisions—From Anywhere

Are you passionate about analyzing numbers and mitigating risk, yet looking for the flexibility of a remote position? As a Remote Loan and Credit Risk Analyst, you'll be at the heart of crucial lending decisions that shape financial outcomes for individuals and institutions. With an annual salary of $109,000, this opportunity provides the ideal balance of professional responsibility and work-life harmony.

Your expertise will directly influence creditworthiness assessments, portfolio risk strategies, and the safety of lending operations. If you're methodical, insightful, and confident in evaluating financial behavior, we invite you to bring your talent to a future-forward team.

What You’ll Do: Core Responsibilities

• Analyze loan applications to evaluate credit risk and assess applicant financial stability.
• Review and interpret credit reports, bank statements, and other financial documents.
• Build models and scorecards to predict loan performance and risk exposure
• Prepare detailed risk reports and communicate insights to decision-makers
• Monitor existing loan portfolios and flag potential delinquencies or trends
• Maintain compliance with regulatory frameworks and internal policy guidelines
• Collaborate with cross-functional departments to refine risk policies
• Recommend lending strategies based on market and borrower analysis

Where You’ll Work: A Fully Remote Environment

Join a virtual-first team committed to efficiency and excellence. We foster a digital culture where clear communication, trust, and autonomy thrive.

• 🏠 100% work-from-home flexibility
• 🧠 Results-driven team culture
• 📅 Structured workflows and asynchronous collaboration
• 🔄 Regular check-ins and feedback loops

We believe in letting professionals own their craft, without unnecessary micromanagement or commute stress.

Tools You’ll Use to Succeed

To perform your role efficiently, you’ll work with cutting-edge platforms and analytics tools that help simplify complex decision-making:

• Loan origination software (LOS)
• Credit risk modeling tools
• Microsoft Excel and Power BI for analysis and visualization
• Secure document management systems
• APIs and digital dashboards
• Communication platforms like Slack and Zoom

Your comfort with digital tools is essential for success in our fully virtual environment.

Skills and Qualifications That Set You Apart

We’re looking for professionals who combine analytical thinking with sound judgment and regulatory awareness.

• Bachelor’s degree in Finance, Economics, Statistics, or a related field
• 3+ years of experience in loan underwriting, credit analysis, or risk management
• Strong knowledge of FICO, VantageScore, and alternative credit scoring models
• Proficiency in interpreting income statements, balance sheets, and cash flow
• Experience with fraud detection techniques and early warning systems
• Excellent communication skills for report writing and team collaboration
• Familiarity with compliance frameworks (e.g., FDIC, OCC, CFPB)
• Ability to work independently while managing tight deadlines

What Success Looks Like in This Role

When you thrive in this position, you help minimize financial loss while supporting responsible lending decisions. Your work will:

• Reduce default rates through proactive risk assessments
• Improve loan portfolio quality across categories
• Increase operational efficiency with consistent, evidence-based evaluations
• Support data-driven credit policy adjustments
• Contribute to building customer trust through fair risk reviews

Every assessment you complete helps the business lend smarter and grow stronger.

Your Impact Beyond the Role

This isn’t just about crunching numbers—it’s about creating financial stability for borrowers and confidence for lenders. Your insights will:

• Help first-time borrowers access opportunities they deserve
• Ensure institutions maintain safe and sound lending practices
• Contribute to the long-term viability of financial ecosystems
• Empower ethical lending that prioritizes both opportunity and responsibility

Perks and Benefits That Make It Worthwhile

• 💼 Competitive salary: $109,000 annually
• 🏖️ Paid time off, sick leave, and holidays
• 🩺 Comprehensive health, dental, and vision insurance
• 💻 Home office stipend and equipment support
• 📚 Professional development and training reimbursement
• 🌐 Flexible work hours with emphasis on results, not clock-in time
• 🤝 Inclusive virtual culture with weekly team syncs and engagement events

We’re here to support not just your performance, but your well-being too.

Growth Path and Opportunities

We’re invested in your professional journey. As you grow within the role, you’ll have chances to:

• Lead high-visibility risk audits
• Contribute to digital transformation projects in loan operations
• Mentor junior analysts remotely
• Transition into specialized roles in credit innovation or fintech compliance
• Help shape future strategies as a subject matter expert

Your career should move forward, not just sideways.

Ready to Apply? Let’s Make It Happen

If you're analytical, ethical, and looking to make a real difference in the world of finance, we’d love to hear from you.

Apply today and start your next chapter as a Remote Loan and Credit Risk Analyst.

Take control of your career—and your schedule—while driving smarter financial decisions from anywhere in the world.