The salary of a Credit Risk Officer II in the United States varies depending on several factors, including experience, location, education level, marketing trend and company sizes.
As of March 01, 2025, the average annual salary for a Credit Risk Officer II in the United States is $103,446. Salary.com reports that pay typically ranges from $88,457 to $118,998, with most professionals earning between $74,811 and $133,157.
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $118,998 | $9,916 | $2,288 | $57 |
| Average | $103,446 | $8,620 | $1,989 | $50 |
| 25th Percentile | $88,457 | $7,371 | $1,701 | $43 |
An entry-level Credit Risk Officer II with less than 1 year of experience earns about $97,436. With 1-2 years of experience, the average salary increases to $97,879. For 2-4 years of experience, the pay typically rises to $98,543. Senior-level professionals with 5-8 years of experience earn around $103,911, and those with over 8 years of experience can expect an average of $109,877.
| Levels | Salary |
|---|---|
| Entry Level Credit Risk Officer II | $97,436 |
| Intermediate Level Credit Risk Officer II | $97,879 |
| Senior Level Credit Risk Officer II | $98,543 |
| Specialist Level Credit Risk Officer II | $103,911 |
| Expert Level Credit Risk Officer II | $109,877 |
| Entry Level | 6% |
| Mid Level | 5% |
| Senior Level | 5% |
| Top Level | 0% |
| Experienced | 6% |
Salaries in the United States differ widely between states due to factors like cost of living, local economies, and industry presence.
What Am I Worth?
Salaries in the United States can vary greatly between cities due to factors like cost of living, local economies, and industry presence.
As of March 01, 2025, our research reveals a significant shift in Credit Risk Officer II compensation over the past six years. For example, the median salary increased from $76,457 in 2023 to approximately $76,554 in 2024. (For a detailed analysis of Credit Risk Officer II salary trends, click here.)
Key factors like location, experience, industry demand, and economic growth significantly influence salary variations, making them important to consider.
Salary.com job board provides millions of Credit Risk Officer II information for you to search for. Click on search button below to see Credit Risk Officer II job openings or enter a new job title here.
Here are companies hiring for Credit Risk Officer II and their salaries, click below for more details.
| Core Compensation | ||||
| Core Compensation | Median | % of Total | ||
| Base Salary | $103,446 | 67.9% | ||
| Bonus | $8,321 | 5.5% | ||
| Value of Benefits | ||||
| Core Compensation | Median | % of Total | ||
| Social Security | $8,550 | 5.6% | ||
| 401K/403B | $5,253 | 3.4% | ||
| Disability | $894 | 0.6% | ||
| Healthcare | $6,056 | 4.0% | ||
| Pension | $6,147 | 4.0% | ||
| Time Off | $13,756 | 9.0% | ||
| Total Compensation | $152,423 | 100% | ||
| Degree Level | % of user with this level of education |
|---|---|
| Associates | 5.9% |
| Bachelors | 35.3% |
| Masters | 52.9% |
| Doctorate | 5.9% |
What Am I Worth?
The average annual salary of Credit Risk Officer II is $103,446. In case you are finding an easy salary calculator, the average hourly pay of Credit Risk Officer II is $50; the average weekly pay of Credit Risk Officer II is $1,989; the average monthly pay of Credit Risk Officer II is $8,620.
A Credit Risk Officer II's earning potential can vary widely depending on several factors, including location, industry, experience, education, and the specific employer. According to the latest salary data by Salary.com, a Credit Risk Officer II earns the most in San Jose, CA, where the annual salary of a Credit Risk Officer II is $129,824.
The highest pay for Credit Risk Officer II is $133,157.
The lowest pay for Credit Risk Officer II is $74,811.
Credit Risk Officer II provides analysis and evaluation in order to reduce credit risk for a financial institution. Extracts data from a variety of sources and uses data to build moderately complex financial models that predict risk exposure. Being a Credit Risk Officer II prepares performance reports for management. Requires a bachelor's degree. Additionally, Credit Risk Officer II typically reports to a manager or head of a unit/department. The Credit Risk Officer II gains exposure to some of the complex tasks within the job function. Occasionally directed in several aspects of the work. To be a Credit Risk Officer II typically requires 2 to 4 years of related experience.
Specify the abilities and skills that a person needs in order to carry out the specified job duties. Each competency has five to ten behavioral assertions that can be observed, each with a corresponding performance level (from one to five) that is required for a particular job.
Risk Management: 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: 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: 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.
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.
