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Credit Manager Jobs in Merced, CA (NOW HIRING)

Wingstop

Assistant Manager

Los Banos, CA · On-site

Assistant Manager Wingstop's mission is to serve the world flavor. Wingstop is the destination when ... Oversee cash and credit by adhering to our cash handling and reconciliation procedures, ensuring ...

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All JobsCredit JobsCredit Manager JobsCredit Manager Jobs in Merced, CA

Credit Manager information

See Merced, CA salary details

$26.9K

$71.4K

$136.2K

How much do credit manager jobs pay per year?

As of Aug 28, 2026, the average yearly pay for credit manager in Merced, CA is $71,449.00, according to ZipRecruiter salary data. Most workers in this role earn between $38,000.00 and $97,700.00 per year, depending on experience, location, and employer.

What does a credit manager do?

A credit manager works in the banking industry or for a lending organization. Their job responsibilities include underwriting or evaluating requests for credit using credit scores, projected profits and losses, and risk factors. People in credit management are responsible for accepting or rejecting loan applications based on these criteria and have the authority to oversee the company’s lending process. The job duties of a credit manager also include creating models to assess creditworthiness, as their ultimate goal is to reduce loss and increase profits from lending. Alternatively, a credit manager can work for a seller, typically a business-to-business or B2B organization, granting trade credit to buyers. Credit managers are responsible for creating models or criteria to assess the creditworthiness of buyers, creating discount or incentive programs for early payment, and managing the credit department of the company. They may also be responsible for credit accounting and collections. Career qualifications include a bachelor’s degree in accounting, business, or a related field.

What does a credit manager do?

A Credit Manager is responsible for overseeing a company's credit policies, assessing the creditworthiness of potential customers, and managing the process of granting credit and collecting payments. They analyze financial data, set credit limits, and help minimize financial risk to the organization. Credit Managers also work closely with sales and accounting teams to ensure that credit terms are followed and that outstanding debts are collected efficiently.

What are some typical challenges credit managers face when assessing credit risk, and how can these be addressed?

Credit Managers often face the challenge of gathering sufficient and reliable financial data to accurately assess the creditworthiness of clients, especially with new or small businesses. Balancing the need for thorough risk analysis with maintaining positive customer relationships is also crucial. To address these challenges, Credit Managers use robust credit scoring systems, maintain clear communication with clients, and stay updated on industry trends to refine their risk assessment strategies. Collaboration with sales and finance teams is essential to align credit policies with organizational goals while minimizing exposure to bad debt.

What is the difference between Credit Manager vs Credit Analyst?

AspectCredit ManagerCredit Analyst
CredentialsBachelor's degree; often certifications like CAM, CCRABachelor's degree; often certifications like CAM, CCRA
Work EnvironmentOversees credit policies, manages teams, interacts with senior managementAnalyzes credit data, assesses risk, prepares reports
Employer & IndustryFinancial institutions, corporations, credit agenciesFinancial institutions, credit bureaus, lending companies

The Credit Manager focuses on overseeing credit policies, managing credit teams, and making high-level credit decisions. In contrast, the Credit Analyst primarily analyzes credit data, assesses risk, and prepares reports to support credit decisions. Both roles require similar credentials and often work within the same industries, but their responsibilities differ in scope and focus.

Is credit management a good career?

Credit management is a stable career that involves assessing creditworthiness, managing credit risk, and ensuring timely collections. It often requires strong analytical skills, knowledge of financial regulations, and proficiency with credit management software. The role can offer advancement opportunities and a steady income in various industries such as banking, finance, and retail.

What is the work of a credit manager?

A credit manager oversees a company's credit policies, evaluates the creditworthiness of clients, and approves or denies credit applications. They analyze financial data, manage credit risk, and ensure timely collection of payments, often using credit management software. Strong analytical skills and knowledge of financial regulations are essential for this role.
More about Credit Manager jobs

What are the most commonly searched types of Credit jobs in Merced, CA?

The most popular types of Credit jobs in Merced, CA are:

What cities near Merced, CA are hiring for Credit Manager jobs?

Cities near Merced, CA with the most Credit Manager job openings:

Credit Manager jobs near you
Infographic showing various Credit Manager job openings in Merced, CA as of August 2026, with employment types broken down into 84% Full Time, 14% Part Time, and 2% Contract. Highlights an 84% Physical, 2% Hybrid, and 14% Remote job distribution, with an average salary of $71,449 per year, or $34.4 per hour.

Turlock Branch - Member Service Specialist II (Full-Time) (Bank Teller)

Golden 1 Credit Union

Turlock, CA • On-site

$16.75 - $21.25/hr

Other

Posted 16 days ago

Golden 1 Credit Union rating

7.5

Company rating: 7.5 out of 10

Based on 11 frontline employees who took The Breakroom Quiz

Job description

Member Service Specialist II

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of "people helping people." We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

At Golden 1, we believe in investing in our people. When you join our branch team, you're not just starting a job – you're building a career. We prioritize internal promotions, professional development, and ongoing training to help grow and succeed.

You'll have an opportunity to build meaningful relations with members, provide trusted financial guidance, and make a real impact in your community. If you're passionate about service, growth and making a difference, we'd love to have you on our team!

What You'll Do:

  • Processes and audits financial transactions including deposits, withdrawals, transfers, payments and general ledger entries while maintaining a cash drawer.
  • Provides Golden 1 services to member, including but not limited to cashier's checks, money orders, savings bonds, wire transfers and transactions, additional sub-shares, and debit card issuance.
  • Assesses members needs while processing transactions.
  • Identifies opportunities to help members relative to Golden 1 product or service offerings and documents in EnAct system.
  • Identifies and report fraudulent activity to management and Financial Investigations dept., in accordance with current procedures to prevent potential loss to the credit union.
  • Assists in the proper operation of the ATM and Teller Cash Dispenser Units including, but not limited to, replacing receipt cartridge, clearing a blockage, etc.
  • Assists MSS III and above with open and close responsibilities, as needed.
  • Activates alarm.
  • Verifies signature cards in ECM (Enterprise Content Management).
  • Check acceptance approval within assigned limits.
  • Ensures confidentiality of all member and credit union information.
  • Maintains current knowledge of all Golden 1 products and services, as well as of policies and procedures for teller functions.
  • Performs additional responsibilities essential to the operations of the branch (TCR, SBO, Safe deposit box, etc...), as needed.
  • Opens deposit and specialty accounts (e.g., Roth IRA) and identifies members' financial service needs to ensure members are provided with meaningful financial solutions.
  • Mentors and advises MSSIs.
  • Engages in consultative dialogue with members to identify current and future financial needs and documents in EnAct system.
  • Enroll members in the different channels that Golden 1 uses: online, mobile, etc.
  • Refer lending needs to MSS III and/or business partner.
  • Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.

Qualifications and Preferences:

  • H.S. Diploma or General Education Degree (GED) required
  • 1+ years year of prior experience in a cash handling service oriented role required
  • 6+ months as a Member Service Specialist I or teller role at Golden 1 or another financial institution preferred

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

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