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Collateral Analyst Jobs in California (NOW HIRING)

Cathay Bank

Senior Collateral Analyst

Los Angeles, CA · On-site

$26.44 - $34.95/hr

Video Clip 1 Video Clip 2 Video Clip 3 GENERAL SUMMARY The Senior Collateral Analyst is responsible for the analysis and validity of Collateral assigned to Cathay Bank. He/she may monitor complex and ...

Zillow Group, Inc.

Collateral Specialist

Irvine, CA · On-site

$22.80 - $34.20/hr

The role ensures documentation, data, and collateral meet investor, agency, and regulatory ... Strong attention to detail, organization, and analytical problem-solving skills. * Strong written ...

Zillow

Collateral Specialist

Irvine, CA · On-site

$22.80 - $34.20/hr

The role ensures documentation, data, and collateral meet investor, agency, and regulatory ... Strong attention to detail, organization, and analytical problem-solving skills. * Strong written ...

Axos Bank

FVP, Commercial Underwriter

San Diego, CA · On-site

$125K - $175K/yr

Performs complex financial and collateral analyses including modeling, projection analyses, and cash flow analysis to evaluate repayment ability and overall credit quality; evaluates accounts ...

Axos Bank

FVP, Commercial Underwriter

San Diego, CA

$125K - $175K/yr

Performs complex financial and collateral analyses including modeling, projection analyses, and cash flow analysis to evaluate repayment ability and overall credit quality; evaluates accounts ...

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All JobsCollateral Analyst JobsCollateral Analyst Jobs in California

Collateral Analyst information

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$18

$37

$55

How much do collateral analyst jobs pay per hour?

As of Aug 26, 2026, the average hourly pay for collateral analyst in California is $37.62, according to ZipRecruiter salary data. Most workers in this role earn between $27.26 and $51.01 per hour, depending on experience, location, and employer.

What is a collateral analyst?

Collateral Analysts are financial professionals who assess, monitor, and manage the value of assets pledged as collateral for loans or other financial agreements. They ensure that the collateral meets lending requirements, track its value over time, and help mitigate the lender’s risk by verifying that the collateral is sufficient to cover the loan. Their role often involves analyzing financial statements, appraisals, and market trends to make informed recommendations. Collateral Analysts typically work for banks, financial institutions, or lending companies.

What does a collateral analyst do?

A collateral analyst works for a loan company or financial institution. Their primary job duties include reviewing all collateral that is provided by a borrower to secure a potential loan. They consider all of the information provided and ensure that it meets the compliance and financial requirements for a loan. A collateral analyst may also coordinate with credit management if there are outstanding disputes over the collateral. They provide reports on all accounts and maintain a large quantity of documentation.

What are the key skills and qualifications needed to thrive as a collateral analyst, and why are they important?

To thrive as a Collateral Analyst, you need strong analytical skills, attention to detail, and a background in finance, accounting, or a related field—often supported by a relevant degree. Familiarity with financial analysis software, loan management systems, and tools like Excel is typically required, and certifications such as CFA or CPA can be advantageous. Effective communication, problem-solving abilities, and organizational skills help set top performers apart in this role. These competencies are crucial for ensuring accurate collateral valuation and risk assessment, which support sound lending decisions and reduce financial risk for institutions.

What are some common challenges faced by collateral analysts and how can they be addressed?

Collateral Analysts often encounter challenges such as managing large volumes of complex data, keeping up with changing regulatory requirements, and ensuring the accuracy of collateral valuations. To address these, strong attention to detail, proficiency with financial software, and continuous professional development are essential. Regular communication with lending officers, risk teams, and clients also helps in identifying discrepancies early and maintaining compliance with industry standards.

What is the difference between Collateral Analyst vs Credit Analyst?

AspectCollateral AnalystCredit Analyst
Primary FocusEvaluates and manages collateral assets to mitigate risk in lendingAssesses the creditworthiness of borrowers to approve or deny loans
Required CredentialsTypically a bachelor's degree in finance, accounting, or related field; certifications like CFA are a plusSimilar credentials; often holds degrees in finance or economics; certifications like CFA are common
Work EnvironmentFinancial institutions, banks, or investment firmsBanking, financial services, or lending institutions
Common UsageUsed when analyzing collateral assets such as securities or propertyUsed when evaluating overall borrower risk and credit profiles

While both roles require financial analysis skills and similar credentials, Collateral Analysts focus on assessing collateral assets to secure loans, whereas Credit Analysts evaluate the overall creditworthiness of borrowers. Both roles are vital in lending processes within financial institutions.

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Collateral Analyst jobs near you
Infographic showing various Collateral Analyst job openings in California as of August 2026, with employment types broken down into 85% Full Time, 10% Part Time, and 5% Contract. Highlights an 95% In-person, and 5% Hybrid job distribution, with an average salary of $78,247 per year, or $37.6 per hour.

Senior Collateral Analyst

Los Angeles, CA • On-site

Cathay Bank
Commercial Banking • 1 - 5K employees
Learn more about Cathay Bankexternal

$26.44 - $34.95/hr

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 19 days ago

Job description

People Drive Our Success
Are you enthusiastic, highly motivated, and have a strong work ethic? If yes, come join our team! At Cathay Bank - we strive to provide a caring culture that supports your aspirations and success. We believe people are our most valuable asset and we proudly foster growth and development empowering you to achieve your professional goals. We have thrived for 60 years and persevered through many economic cycles due to our team members' drive and optimism. Together we can make a difference in the financial future of our communities.
Apply today!
What our team members are saying:
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GENERAL SUMMARY
The Senior Collateral Analyst is responsible for the analysis and validity of Collateral assigned to Cathay Bank. He/she may monitor complex and high-risk Borrowers through analysis of Client reporting with a special emphasis on deteriorating trends. He/she may review the Loan Documents and prepare the Monthly Status Report.
ESSENTIAL FUNCTIONS
  • Responsible for processing, monitoring and examining client collateral information on asset based loans. Includes all stages from the receipt and verification of sales journals, collateral reports and agings, to resolution of customer problems and questions.
  • Depending on expertise, additional responsibilities may include: posting and reconciling sales, verifying collateral balances, and accounts receivable adjustments; reconciling cash reported to cash received; investigating and resolving customer inquiries; reviewing accounts receivable aging information and collateral trending.
  • May assist with training new customers on reporting procedures.
  • Identify unusual trends or practices and discuss/document with Borrower. Verify questionable assignments through telephone or in writing, prior to advancing on assignment. Inform Loan Portfolio Officers of open issues prior to Advance.
  • Work closely with Loan Portfolio Officers and Assistant Manager to analyze complex information and resolve reporting issues.
  • Analyze Borrower's inventory assignments to identify ineligibles, note trends in inventory mix and inventory concentrations, as required by Loan Portfolio Officers. Discuss any unusual trends with Borrower and report findings to Loan Portfolio Officers.
  • Provide back up, during absences, to the Collateral Analysts.
  • Follow existing controls in place to meet or exceed internal audit standards.
  • May review or spot check other junior level Collateral Analysts' work to ensure accuracy.
  • Other duties may include loan documents review, Database preparation, and the Monthly Status Report preparation.

QUALIFICATIONS
  • Education: College graduate with a degree in accounting or finance preferred.
  • Experience: Minimum five years of borrowing base driven, asset-based lending operations experience. Experience as a field examiner or credit analyst, and with supervisory experience is a plus.
  • Skills/Ability: Proficient with Microsoft Office products; Monarch Data Mining Software, good interpersonal and communication skills; ability to coach and mentor junior staff, strong time management and organizational skills, ability to analyze data with attention to detail and accuracy

OTHER DETAILS
$26.44 - $34.95 / hour
Pay determined based on job-related knowledge, skills, experience, and location.
This position may be eligible for a discretionary bonus.
Cathay Bank offers its full-time employees a competitive benefits package which is a significant part of their total compensation. It is our goal to provide employees with a comprehensive benefits package to fit their needs which includes, coverage for medical insurance, dental insurance, vision insurance, life insurance, long-term disability insurance, and flexible spending accounts (FSAs), health saving account (HSA) with company contributions, voluntary coverages, and 401(k).
Cathay Bank may collect personal information from potential job candidates and applicants. For more information on how we handle personal information and your applicable rights, please review our California Job Applicant Privacy Policy.
Cathay Bank is an Equal Opportunity and Affirmative Action Employer. We welcome applications for employment from all qualified candidates, regardless of race, color, ethnicity, ancestry, citizenship, gender, national origin, religion, age, sex (including pregnancy and related medical conditions, childbirth and breastfeeding), reproductive health decision-making, sexual orientation, gender identity and expression, genetic information or characteristics, disability or medical condition, military status or status as a protected veteran, or any other status protected by applicable law.
Click here to view the "Know Your Rights: Workplace Discrimination is Illegal" Poster:
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Cathay Bank endeavors to make www.CathayBank.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact, Mickey Hsu, FVP, Employee Relations Manager, at (626) 582-7370 or mickey.hsu@cathaybank.com. This contact information is for accommodation requests only and cannot be used to inquire about the status of applications.
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This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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