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Credit Analyst Jobs in Santa Rosa, CA (NOW HIRING)

Poppy Bank

SVP, Credit Administrator

Santa Rosa, CA · On-site

$175K - $225K/yr

Help perform portfolio-level analytics and stress testing to identify risks within the loan ... Credit Risk Management, Credit Administration, Loan Work and Commercial Real Estate & Business loan ...

Poppy Bank

SVP, Credit Administrator

Santa Rosa, CA · On-site

$175K - $225K/yr

Help perform portfolio-level analytics and stress testing to identify risks within the loan ... Credit Risk Management, Credit Administration, Loan Work and Commercial Real Estate & Business loan ...

Redwood Credit Union

Compliance Analyst

Napa, CA

Redwood Credit Union is looking for a Compliance Analyst, who will be responsible for proactively identifying and evaluating risks and controls, completing regulatory compliance analysis and research ...

Redwood Credit Union

Compliance Analyst

Napa, CA · On-site

Redwood Credit Union is looking for a Compliance Analyst, who will be responsible for proactively identifying and evaluating risks and controls, completing regulatory compliance analysis and research ...

Redwood Credit Union

Compliance Analyst

Napa, CA · On-site

Redwood Credit Union is looking for a Compliance Analyst, who will be responsible for proactively identifying and evaluating risks and controls, completing regulatory compliance analysis and research ...

Redwood Credit Union

Automation Analyst II

Napa, CA · On-site

Redwood Credit Union is seeking an Automation Analyst II, who will be responsible for the analysis, design and implementation of advanced enterprise automation solutions that leverage Robotic Process ...

Redwood Credit Union

Automation Analyst II

Napa, CA · On-site

Redwood Credit Union is seeking an Automation Analyst II, who will be responsible for the analysis, design and implementation of advanced enterprise automation solutions that leverage Robotic Process ...

Redwood Credit Union

Automation Analyst II

Napa, CA

Redwood Credit Union is seeking an Automation Analyst II, who will be responsible for the analysis, design and implementation of advanced enterprise automation solutions that leverage Robotic Process ...

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Credit Analyst information

See Santa Rosa, CA salary details

$16

$32

$53

How much do credit analyst jobs pay per hour?

As of Jul 31, 2026, the average hourly pay for credit analyst in Santa Rosa, CA is $32.72, according to ZipRecruiter salary data. Most workers in this role earn between $25.24 and $36.78 per hour, depending on experience, location, and employer.

Will AI replace credit analyst?

AI can automate routine tasks such as data analysis and credit scoring for credit analysts, increasing efficiency. However, the role of a credit analyst also involves judgment, relationship management, and understanding complex financial situations, which are less easily replaced by AI. Therefore, AI is more likely to augment rather than fully replace credit analysts in the near future.

What qualifications do you need to be a credit analyst?

To become a credit analyst, candidates typically need a bachelor's degree in finance, accounting, economics, or a related field. Strong analytical skills, proficiency with financial analysis tools, and knowledge of credit reporting are also important; some roles may require relevant certifications such as the CFA or credit-specific training.

What is the difference between Credit Analyst vs Loan Officer?

AspectCredit AnalystLoan Officer
Required CredentialsBachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis coursesBachelor's degree in finance, business, or related; often requires mortgage or loan origination licenses
Work EnvironmentOffice setting, analyzing financial data, assessing creditworthinessOffice or branch, meeting clients, processing loan applications
Employer & Industry UsageBanks, credit unions, financial institutionsBanks, mortgage companies, credit unions

While both roles involve financial assessment, a Credit Analyst primarily evaluates credit data to determine risk, whereas a Loan Officer interacts directly with clients to approve and process loan applications. Understanding these differences helps in choosing the right career path or job search focus.

What exactly does a credit analyst do?

A credit analyst evaluates the creditworthiness of individuals or businesses by analyzing financial statements, credit reports, and other relevant data. They assess the risk of lending money or extending credit, often using financial modeling and tools like spreadsheets, to help organizations make informed lending decisions. Strong analytical skills and knowledge of credit policies are essential for this role.

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

To thrive as a Credit Analyst, you need strong analytical skills, financial acumen, and typically a degree in finance, accounting, or a related field. Proficiency in financial modeling, Microsoft Excel, and experience with credit risk assessment software such as Moody’s or S&P Global Market Intelligence are highly valued. Excellent attention to detail, effective communication, and sound judgment are essential soft skills for assessing clients and presenting findings. These abilities ensure accurate credit evaluations, mitigate risk, and support informed lending decisions.

What are the typical challenges a Credit Analyst faces when evaluating complex loan applications?

Credit Analysts often encounter challenges such as incomplete financial information, inconsistent documentation, and the need to assess risk in rapidly changing market conditions. Evaluating applicants from diverse industries may require specialized knowledge to accurately interpret financial statements and cash flow projections. Strong analytical skills and effective communication with both clients and internal stakeholders are essential to resolve ambiguities and ensure sound credit decisions.

What does a Credit Analyst do?

A Credit Analyst evaluates the creditworthiness of individuals or businesses applying for loans or credit. They review financial statements, credit reports, and economic conditions to assess the risk of lending money. Based on their analysis, they make recommendations to approve or deny credit applications and may suggest terms for repayment. Their work helps financial institutions minimize losses and make informed lending decisions.

Are credit analysts paid well?

Credit analysts typically earn competitive salaries that vary based on experience, location, and industry. According to industry data, the median annual wage for credit analysts is around $70,000, with higher earnings possible for those with advanced certifications or in senior roles. The profession often offers opportunities for bonuses and career advancement.

What Does a Credit Analyst Do?

As a credit analyst, you evaluate customer credit history to determine the risk level for giving out loans or lines of credit to clients. You’ll use statistical software to help you decide which clients are eligible for loans and which ones aren’t. Your job duties include analyzing your clients’ financial statements and credit history, establishing credit limits, informing clients of payment policies, and resolving disputes. Your decisions impact whether the bank or financial institution you work for makes money or loses money, so your responsibilities make you a crucial part of the team.

More about Credit Analyst jobs
What are the most commonly searched types of Credit Analyst jobs in Santa Rosa, CA? The most popular types of Credit Analyst jobs in Santa Rosa, CA are:
What are popular job titles related to Credit Analyst jobs in Santa Rosa, CA? For Credit Analyst jobs in Santa Rosa, CA, the most frequently searched job titles are:
What job categories do people searching Credit Analyst jobs in Santa Rosa, CA look for? The top searched job categories for Credit Analyst jobs in Santa Rosa, CA are:
What cities near Santa Rosa, CA are hiring for Credit Analyst jobs? Cities near Santa Rosa, CA with the most Credit Analyst job openings:
Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in Santa Rosa, CA as of July 2026, with employment types broken down into 86% Full Time, 8% Part Time, 1% Temporary, and 5% Contract. Highlights an 86% Physical, 6% Hybrid, and 8% Remote job distribution, with an average salary of $68,052 per year, or $32.7 per hour.

Credit Analyst I - Wine

First Citizens Bank

Santa Rosa, CA

$86K - $105K/yr

Full-time

Posted 20 hours ago

Posted today

First Citizens Bank rating

7.4

Company rating: 7.4 out of 10

Based on 106 frontline employees who took The Breakroom Quiz

109th of 170 rated banks

Job description

Overview

This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office.

This position provides support to the credit sales organization, vendor partners and senior management through the underwriting and adjudication of commercial credit applications within the Wine Division. Reviews private and publicly available information and low complexity risk assessments on commercial borrowers, analyzing customer/prospective customer financial statements/performance and internal pay history, as necessary. Adjudicates opportunities within individual lending authority and recommends decisions over and above established delegated authority.


Responsibilities
  • Analysis - Sources, compiles, spreads, and begins to interpret commercial and natural person financial information to determine the creditworthiness of a business client. Analyzes factors that impact credit on both a quantitative and qualitative basis. Assists with analyzing loan processes for accuracy and efficiency, effectively communicates analysis output.
  • Business Support - Provides analytical insight and technical skill to lending activities, developing industry, data, and credit knowledge to serve as a resource to associates. May recommend process improvements and risk mitigation strategies identified through data trends.
  • Client outreach - Obtains and monitors financial documentation utilized in analysis efforts, from Borrowers and prospective Borrowers. Ensures accuracy, completeness, and consistency of documentation and begins to develop own COI ecosystem.
  • Reporting - Produces reports based on analysis, key loan metrics, and credit relationships. Identifies and communicates trends that indicate risk or credit issues.

Qualifications

Bachelor's Degree and 0 years of experience in Banking or Financial industry OR High School Diploma or GED and 4 years of experience in Banking or Financial industry

Preferred Qualifications:

  • Finance and/or Accounting degree
  • Strong communication and business writing skills
  • Enjoys working in a fast-paced team environment
  • Experience with Microsoft Office, with an emphasis on Word and Excel.
  • Interest and/or experience in the Premium Wine Industry is a plus

The base pay for this position is generally between $86,250-$105,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

#LI-JW2

Qualifications:

Bachelor's Degree and 0 years of experience in Banking or Financial industry OR High School Diploma or GED and 4 years of experience in Banking or Financial industry

Preferred Qualifications:

  • Finance and/or Accounting degree
  • Strong communication and business writing skills
  • Enjoys working in a fast-paced team environment
  • Experience with Microsoft Office, with an emphasis on Word and Excel.
  • Interest and/or experience in the Premium Wine Industry is a plus

The base pay for this position is generally between $86,250-$105,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

#LI-JW2

Education:UNAVAILABLEEmployment Type: FULL_TIME

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