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Credit Manager Jobs in Modesto, CA (NOW HIRING)

Veritiv Corporation

Sales Manager, Packaging

Tracy, CA · On-site

... Credit Manager to ensure accounts receivable are kept current. • Maintain and renew a deep knowledge and understanding of the organization's policies and procedures to ensure the team's and own ...

MOCSE FEDERAL CREDIT UNION

BRAND INNOVATOR

Modesto, CA · On-site

$26.03 - $32.54/hr

Attends and supports credit union meetings and activities. * Provides suggestions to management for better member service. * Completes required reports, records, and related documents accurately and ...

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Credit Manager information

See Modesto, CA salary details

$26.9K

$71.4K

$136.1K

How much do credit manager jobs pay per year?

As of Sep 3, 2026, the average yearly pay for credit manager in Modesto, CA is $71,380.00, according to ZipRecruiter salary data. Most workers in this role earn between $38,000.00 and $97,600.00 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 Modesto, CA?

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The top searched job categories for Credit Manager jobs in Modesto, CA are:

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

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

Credit Manager jobs near you

Business Banking Credit Portfolio Officer II / III

Bank of America

Modesto, CA • On-site

$70K - $95K/yr

Full-time

PTO

Posted 14 days ago

Bank Of America rating

8.2

Company rating: 8.2 out of 10

Based on 535 frontline employees who took The Breakroom Quiz

52nd of 174 rated banks

Job description

Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits.
We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Description:
The Business Banking Credit Portfolio Officer role is responsible for supporting credit underwriting and monitoring for new and existing clients. Key responsibilities include completing credit analysis, evaluating risks, and writing financial analysis using various tools and systems. Job expectations include analyzing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank's risk appetite. This role reports to the Commercial Credit Manager that supports the market.

Responsibilities:

  • Analysis of client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness
  • Complete monitoring activities via analysis of clients' financial performance and collateral evaluation to ensure appropriate requirements are met
  • Listen in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance
  • Review completed client requests to ensure compliance with policy and procedures
  • Understand how credit data is used internally and provided to regulatory partners
  • Assist with periodic portfolio reviews
  • Supports the credit monitoring process for existing clients.
  • Prepares credit analysis to facilitate the decisioning of a client's credit worthiness.

Skills:

  • Relationship Building
  • Financial Analysis
  • Credit Documentation
  • Underwriting
  • Analytical Thinking
  • Loan Structuring
  • Active Listening
  • Attention to Detail
  • Collaboration
  • Written Communication
  • Issue Management
  • Organization
  • Data and Trend Analysis
  • Research

Required Qualifications:

  • 2+ years of solid Commercial Banking experience
  • Experience in financial analysis, structuring, underwriting and portfolio management
  • Analytical/technical skills, including financial accounting, modeling and loan structuring
  • Strong communication skills; ability to communicate vertically, horizontally, and externally
  • Industry knowledge across multiple sectors

Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent

Shift:

1st shift (United States of America)

Hours Per Week:

40

Pay Transparency details

US - CA - Los Angeles - 333 S HOPE ST - BANK OF AMERICA PLAZA (CA9193), US - CA - Modesto - 801 10TH ST - CITY TOWERS (CA2803), US - CA - Ontario - 901 Via Piemonte (CA6540), US - CA - San Francisco - 555 California St - Bofa Center - 555 California (CA5705), US - IL - Chicago - 110 N Wacker Dr - Bank Of America Tower Chicago (IL4110)Pay and benefits informationPay range$70,000.00 - $95,800.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligibleThis role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

What Bank Of America employees say

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About Bank Of America

Sourced by ZipRecruiter

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

Charlotte, NC, US

Social media

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