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Intermediate Credit Risk Officer Salary in the United States

How much does an Intermediate Credit Risk Officer make in the United States?

As of October 01, 2026, the average salary for an Intermediate Credit Risk Officer in the United States is $92,880 per year, which breaks down to an hourly rate of $45.

However, an Intermediate Credit Risk Officer's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $118,461
  • Majority Range (25th-75th percentile): $81,390 to $106,270
  • Entry-Level (10th percentile): $70,929
Salary Factors Salary-Boosting Skills Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

Key Factors That Influence Intermediate Credit Risk Officer Salaries

An Intermediate Credit Risk Officer's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education and company size can directly affect your earning potential.

How Experience Level Affects Intermediate Credit Risk Officer Salaries?

Experience is a primary driver of an Intermediate Credit Risk Officer's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

  • Credit Risk Control Analyst I (0-2 years): $64,571
  • Intermediate Credit Risk Officer (2-4 years): $92,874
  • Credit Risk Control Analyst III (4-7 years): $105,012
  • Credit Risk Control Manager (7+ years): $124,459
  • Credit Risk Control Senior Manager (7+ years): $138,059
Job Role Years of Experience Average Salary
Credit Risk Control Analyst I0-2 years$64,571
Intermediate Credit Risk Officer2-4 years$92,874
Credit Risk Control Analyst III4-7 years$105,012
Credit Risk Control Manager7+ years$124,459
Credit Risk Control Senior Manager7+ years$138,059
View as Graph

How Do Intermediate Credit Risk Officer Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Intermediate Credit Risk Officers. For example, consider the average annual salaries in these key locations:
  • District of Columbia: $102,840.
  • California: $102,450.
  • Massachusetts: $101,080.

Top Paying Cities for Intermediate Credit Risk Officers

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $117,150
  • San Francisco: $115,860
  • Oakland: $113,420

What Skills Can Increase an Intermediate Credit Risk Officer's Salary?

Demanded Skills for the Role:

  • Risk Management (Mentioned in 15.84% Job Postings): Risk management is the identification, evaluation, and prioritization of risks (defined in ISO 31000 as the effect of uncertainty on objectives) followed by coordinated and economical application of resources to minimize, monitor, and control the probability or impact of unfortunate events or to maximize the realization of opportunities. Risks can come from various sources including uncertainty in financial markets, threats from project failures (at any phase in design, development, production, or sustainment life-cycles), legal liabilities, credit risk, accidents, natural causes and disasters, deliberate attack from an adversary, or events of uncertain or unpredictable root-cause. There are two types of events i.e. negative events can be classified as risks while positive events are classified as opportunities. Several risk management standards have been developed including the Project Management Institute, the National Institute of Standards and Technology, actuarial societies, and ISO standards. Methods, definitions and goals vary widely according to whether the risk management method is in the context of project management, security, engineering, industrial processes, financial portfolios, actuarial assessments, or public health and safety.
  • Financial Services Industry (Mentioned in 1.56% Job Postings): Financial services is a broad term used to describe the various offerings within the finance industry–encompassing everything from insurance and money management to payments and digital banking technology.
  • PowerPoint (Mentioned in 1.16% Job Postings): A computer software created by Microsoft which allows the user to create slides with recordings, narrations, transitions and other features in order to present information.
Skills Demand Percentage
Risk Management 15.84%
Financial Services Industry 1.56%
PowerPoint 1.16%
See More Skills

What skills can make your compensation higher?

Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on an Intermediate Credit Risk Officer's salary.

  • Business Strategy: Can increase your salary by up to 11%.
  • Information Security: Can increase your salary by up to 9%.
  • Planning: Can increase your salary by up to 6%.
Skill Salary Salary % Increase
Business Strategy $103,097
11%
Information Security $101,239
9%
Planning $98,453
6%
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Intermediate Credit Risk Officer Salary by Company Size: Startups vs. Enterprise

Intermediate Credit Risk Officer salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $101,365. While startup companies pay approximate $85,703.

Intermediate Credit Risk Officer Salary by Company Size

Company Size Employees Average Salary
Startup 1~50 $85,703
Growth Stage 51~500 $90,673
Established 501~5000 $97,829
Enterprise 5000+ $101,365

Intermediate Credit Risk Officer Salary by Industry: Top Paying Sectors

For Intermediate Credit Risk Officer roles, the industry you choose can affect earning potential by as much as 40% (the gap between the highest and lowest paying industries). Data shows that the Insurance and Financial Services sectors offer the strongest compensation, at 20% above the average. In contrast, Intermediate Credit Risk Officer positions in Business Services or Retail & Wholesale typically offer lower base pay, as these industries often view Intermediate Credit Risk Officer as a support function rather than a direct revenue driver.

The top paying industries for an Intermediate Credit Risk Officer

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Insurance$111,456$54.020%
Financial Services$102,168$49.010%

How Education impacts an Intermediate Credit Risk Officer's Salary?

Your level of education can impact your salary potential. While many Intermediate Credit Risk Officers enter the field with a Bachelor's Degree degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for an Intermediate Credit Risk Officer with a Bachelor's Degree is between $95,906 and $104,135).

Intermediate Credit Risk Officer Salaries by Degree Level

Typical Education for Intermediate Credit Risk Officer
Degree Level % of user with this level of education
No Diploma 5.9%
High School 35.3%
Associates 5.9%
Bachelors 35.3%
Masters 52.9%
Doctorate 5.9%
View as Graph

Intermediate Credit Risk Officer Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how an Intermediate Credit Risk Officer's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

Last Updated on October 01, 2026
$81,390
Average $92,880/year
$106,270
$6,783
Average $7,740/month
$8,856
$1,565
Average $1,786/week
$2,044
$39
Average $45/hour
$51
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $106,270 $8,856 $2,044 $51
Average $92,880 $7,740 $1,786 $45
25th Percentile $81,390 $6,783 $1,565 $39

Intermediate Credit Risk Officer Salary Growth & Career Path

Intermediate Credit Risk Officer

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Advancement

For an Intermediate Credit Risk Officer, the most direct path to higher earnings is advancing to the Credit Risk Control Analyst III role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $105,100 - a projected growth of 13% over your current level.

Most common benefits for Intermediate Credit Risk Officer

  • Social Security
  • 401 (k)
  • Disability
  • Healthcare
  • Pension
  • Time Off (days)

Common company salaries for Intermediate Credit Risk Officer

Here are companies hiring for Intermediate Credit Risk Officer and their salaries, click below for more details.

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FAQ about Intermediate Credit Risk Officer

1. What industry pays the highest salary for Intermediate Credit Risk Officer?

The Insurance industry offers the highest average compensation for Intermediate Credit Risk Officer roles, with salaries approximately 20% above the market median.

2. How much does a credit risk officer make at JP Morgan?

As of now, the salary range for an Intermediate Credit Risk Officer is between $88,070 and $118,480 annually, with a mid-salary of $102,990. This translates to an hourly rate of approximately $42.34 to $56.86, or about $1,507 to $2,207 weekly.

3. How much does a risk associate make at Morgan Stanley?

The estimated total pay range for an Intermediate Credit Risk Officer is $88,070 to $118,480 per year, which includes base salary and additional compensation. The average base salary for this position is approximately $102,990 per year.

4. How do I become a credit risk officer?

To become a credit risk officer, you need at least a bachelor's degree in business administration or a related field. Key qualifications include strong analytical, communication, and research skills. Employers often prefer candidates with prior risk management experience. The salary for this role ranges from $88,070 to $118,480, with a median of $102,990.

5. How much does a credit risk officer make at JP Morgan?

As of now, the salary for an Intermediate Credit Risk Officer ranges from $88,070 to $118,480 annually, with a midpoint of $102,990. This translates to approximately $42.34 to $56.94 per hour, or $1,507 to $2,207 per week.

6. How much do credit risk officers make in Switzerland?

In Switzerland, the salary for an Intermediate Credit Risk Officer ranges from CHF 88,070 to CHF 118,480, with a mid-range salary of CHF 102,990. This reflects the competitive compensation for professionals in this field, aligning with the estimated pay for similar roles in Zurich.

7. What is the salary of credit risk analyst in Goldman Sachs?

The salary for an Intermediate Credit Risk Officer typically ranges from $88,070 to $118,480 annually, with a midpoint of $102,990. This range reflects the compensation for professionals in this role, considering their experience and expertise in credit risk management.

Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

With the most extensive online, real-time compensation data available, Salary.com helps you pinpoint your exact pay target.

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