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Credit Officer Jobs in Riverside, CA (NOW HIRING)

Community Bank

Credit Officer III

Ontario, CA · On-site

$104K - $150K/yr

Credit Officer III The Credit Officer III has prior experience and expertise in credit analysis, with an understanding and ability to handle financial statement, tax return and cash flow analysis for ...

NANO BANC

Chief Credit Officer

Irvine, CA · On-site +1

$300K - $375K/yr

The Chief Credit Officer (CCO) is a vital executive leader responsible for overseeing the organization's credit operations while ensuring alignment with business goals and regulatory compliance. This ...

Nano Banc

Chief Credit Officer

Irvine, CA · On-site

$180 - $260/hr

The Chief Credit Officer (CCO) is a vital executive leader responsible for overseeing the organization's credit operations while ensuring alignment with business goals and regulatory compliance.This ...

Community Bank

Credit Administrator

Ontario, CA · On-site

$191K - $286K/yr

Critiques Reports of Credit Extended on loan requests submitted for approval by branch loan officers. Assists the branches/departments in structuring new and renewed loan requests: Personal cash flow ...

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All JobsCredit Officer JobsCredit Officer Jobs in Riverside, CA

Credit Officer information

See Riverside, CA salary details

$36.5K

$102.3K

$153.9K

How much do credit officer jobs pay per year?

As of Aug 8, 2026, the average yearly pay for credit officer in Riverside, CA is $102,255.00, according to ZipRecruiter salary data. Most workers in this role earn between $81,400.00 and $125,700.00 per year, depending on experience, location, and employer.

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

To succeed as a Credit Officer, you need a strong background in finance, risk assessment, and credit analysis, often supported by a degree in finance, accounting, or a related field. Familiarity with credit scoring software, loan management systems, and financial modeling tools is essential. Excellent analytical thinking, attention to detail, and clear communication skills help set top performers apart. These abilities are crucial for making informed lending decisions, minimizing risk, and fostering positive client relationships.

What are some common challenges credit officers face when assessing loan applications, and how can these be overcome?

Credit Officers often encounter challenges such as incomplete financial documentation, complex client financial histories, and tight deadlines for decision-making. Overcoming these requires strong analytical skills, attention to detail, and effective communication with applicants to clarify missing or ambiguous information. Building collaborative relationships with underwriting teams and staying updated on regulatory changes can also streamline the evaluation process and improve decision accuracy.

What is a credit officer?

A credit officer processes financial loan applications for clients on behalf of banks. Their job responsibilities include helping clients choose the best loan options for their car, mortgage, or personal credit. Other duties include evaluating credit, entering financial data, and performing risk assessments. To become a credit officer, you need a bachelor’s degree in finance, accounting, or economics. Additional qualifications, such as the certified lender business banker (CLBB) credential, can help you advance in this career.

What do you need to be a credit officer?

To become a credit officer, candidates typically need a bachelor's degree in finance, accounting, or a related field, along with strong analytical and communication skills. Relevant experience in credit analysis or banking is often required, and certifications such as the Certified Credit Analyst (CCA) can be advantageous.

What does a credit officer do?

A Credit Officer is responsible for evaluating and approving loan applications by assessing the creditworthiness of individuals or businesses. They analyze financial information, credit reports, and other relevant data to determine the risk involved in lending money. Credit Officers also ensure that all loans comply with the institution's lending policies and government regulations, and they may work with clients to explain loan terms and answer questions. Their role is crucial in minimizing financial risk for banks and other lending institutions.

What is the difference between Credit Officer vs Loan Officer?

AspectCredit OfficerLoan Officer
CredentialsTypically requires a bachelor's degree in finance, accounting, or related field; certifications like CAMS or CPA are a plusSimilar educational background; often holds licenses or certifications depending on loan types
Work EnvironmentWorks in banks, credit unions, or financial institutions assessing creditworthinessWorks in banks, mortgage companies, or lending firms evaluating loan applications
Primary ResponsibilitiesAnalyzes credit data, assesses risk, and approves or declines credit applicationsAssists clients in obtaining loans, evaluates financial information, and recommends loan options

While both roles involve evaluating financial information, Credit Officers focus on assessing credit risk and approving credit lines, whereas Loan Officers primarily assist clients in securing loans by guiding them through the application process.

What education is needed to become a credit officer?

A credit officer typically needs at least a bachelor's degree in finance, accounting, economics, or a related field. Relevant skills include strong analytical abilities and knowledge of financial software; some positions may prefer or require professional certifications such as the Certified Credit Executive (CCE).
More about Credit Officer jobs
What are popular job titles related to Credit Officer jobs in Riverside, CA? For Credit Officer jobs in Riverside, CA, the most frequently searched job titles are:
What job categories do people searching Credit Officer jobs in Riverside, CA look for? The top searched job categories for Credit Officer jobs in Riverside, CA are:
What cities near Riverside, CA are hiring for Credit Officer jobs? Cities near Riverside, CA with the most Credit Officer job openings:
Credit Officer jobs near you
Infographic showing various Credit Officer job openings in Riverside, CA as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $102,255 per year, or $49.2 per hour.

Credit Officer III

Community Bank

Ontario, CA • On-site

$104K - $150K/yr

Other

Re-posted 4 days ago

Job description

Credit Officer III

The Credit Officer III has prior experience and expertise in credit analysis, with an understanding and ability to handle financial statement, tax return and cash flow analysis for businesses and individuals. Based on the credit request and analysis of the business or individual, the Credit Officer provides the bank with an accurate, clear and concise written credit request (report of Credit Extended- RCE). The Credit Officer III will have the ability to work on the most complex credits. May assist and train junior credit officers/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills.

Essential duties and responsibilities include the following:

  • Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
  • Provide, present and promote The Citizens Experience to all external and internal customers.
  • Review credit request/file for completeness.
  • Spread financial statement and/or tax returns.
  • Evaluate a credit request and formulate questions, if necessary to complete Report of Credit Extended (RCE).
  • Prepare an accurate, clear and concise RCE.
  • If credit request does not fit within the bank's standard lending policy and procedures, refer to other bank departments.
  • Discuss credit requests with branch personnel and Credit Management Division.
  • Assist and/or train junior credit officer/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills.
  • Other duties may be assigned.

This job has no supervisory responsibilities.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or experience: Bachelor's degree (B.A) from four year college or university; a minimum of ten years related experience and/or training; or equivalent combination of education and experience. A Master's Degree or equivalent is preferred.

Language skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

Physical demands: While performing the duties of this job, the associate is regularly required to sit and talk or hear. The associate frequently is required to use hands to finger, handle, or feel. The associate is occasionally required to walk and reach with hands and arms. The associate must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Work environment: The noise level in the work environment is usually moderate.

Salary Range: $104,061.00 To $150,888.00 Annually. Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.

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