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Credit Operations Jobs in California (NOW HIRING)

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 ...

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Commercial Credit Assistant

Stanton, CA · On-site

$25 - $26/hr

This role is ideal for someone who enjoys working with details, collaborating across departments, and keeping credit operations moving smoothly in a high-volume environment. Required Skills * 1-3 ...

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Commercial B2B Credit Analyst

Stanton, CA · On-site

$25 - $26/hr

This role is ideal for someone who enjoys working with details, collaborating across departments, and keeping credit operations moving smoothly in a high-volume environment. Required Skills * 1-3 ...

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Sayva Solutions

Manager, Credit & Collections

Poway, CA · On-site

$105K - $130K/yr

This leader will oversee the company's credit, collections, and cash application operations while driving key automation and process improvement initiatives. This is an exciting opportunity for ...

City National Bank

Credit Analyst I

Irvine, CA · On-site

$25.93 - $41.43/hr

Works closely with team members to ensure cohesive and effective credit operations. Participate in ad-hoc projects to support the organization's priorities. * Learning and Development: Demonstrates a ...

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Commercial B2B Credit Analyst (Onsite)

Garden Grove, CA · On-site

$25 - $26/hr

This role is ideal for someone who enjoys working with details, collaborating across departments, and keeping credit operations moving smoothly in a high-volume environment. Onsite Role in Stanton ...

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Showing results 21-40

All JobsCredit Operations JobsCredit Operations Jobs in California

Credit Operations information

See California salary details

$15

$32

$41

How much do credit operations jobs pay per hour?

As of Aug 17, 2026, the average hourly pay for credit operations in California is $32.11, according to ZipRecruiter salary data. Most workers in this role earn between $24.90 and $37.74 per hour, depending on experience, location, and employer.

What is credit operations?

Credit Operations refers to the processes and tasks involved in managing a company's credit-related activities, such as evaluating credit applications, monitoring credit limits, processing loans, and ensuring compliance with credit policies. Professionals in Credit Operations work to minimize financial risks by assessing the creditworthiness of clients and maintaining accurate records. They also collaborate with other departments to ensure smooth and efficient financial transactions while adhering to regulatory requirements.

What are the key skills and qualifications needed to thrive in credit operations?

To thrive in Credit Operations, you need strong analytical skills, attention to detail, and a solid understanding of credit risk assessment, often supported by a degree in finance, accounting, or business. Familiarity with credit management software, financial modeling tools, and regulatory compliance systems is typically required. Excellent communication, problem-solving, and organizational skills help professionals effectively manage credit processes and collaborate with clients and internal teams. These skills and qualities are vital to ensure accurate credit evaluation, minimize risk, and maintain smooth financial operations.

What are some common challenges faced in a credit operations role, and how can they be addressed?

Professionals in Credit Operations often encounter challenges such as managing large volumes of transactions, ensuring regulatory compliance, and maintaining accuracy under tight deadlines. Addressing these challenges requires strong attention to detail, effective time management, and regular communication with internal teams such as risk, compliance, and sales. Many organizations support their Credit Operations teams with regular training, clear process documentation, and technology solutions to streamline workflows and reduce manual errors.

What is the difference between Credit Operations vs Credit Analyst?

AspectCredit OperationsCredit Analyst
Primary RoleManages credit processes, risk assessment, and loan approval workflowsAnalyzes credit data to assess borrower risk and make lending recommendations
Required SkillsProcess management, risk assessment, compliance knowledgeFinancial analysis, credit scoring, data interpretation
Work EnvironmentBanking, financial institutions, credit departmentsBanking, lending firms, financial services
CertificationsTypically none required, but certifications like CFA or credit-specific courses helpCertifications like CFA, Credit Risk Certification often preferred

While both roles are integral to the credit industry, Credit Operations focuses on managing credit processes and workflows, ensuring compliance and efficiency. Credit Analysts primarily evaluate individual creditworthiness through data analysis to inform lending decisions. Understanding these differences helps job seekers target the right roles based on their skills and career goals.

What are popular job titles related to Credit Operations jobs in California?

For Credit Operations jobs in California, the most frequently searched job titles are:

What job categories do people searching Credit Operations jobs in California look for?

The top searched job categories for Credit Operations jobs in California are:

Credit Operations jobs near you
Infographic showing various Credit Operations job openings in California as of August 2026, with employment types broken down into 100% Full Time. Highlights an 80% In-person, and 20% Hybrid job distribution, with an average salary of $66,797 per year, or $32.1 per hour.

Chief Credit Officer

NANO BANC

Irvine, CA • On-site, Remote

$300K - $375K/yr

Full-time

Re-posted 24 days ago

Job description

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 role focuses on managing all credit functions, including underwriting, loan reviews, credit software utilization, stress testing, and risk management - particularly credit concentration risks. The CCO evaluates the financial health of credit applicants and develops, implements, and monitors credit policies and procedures. Oversight extends to collections, problem loans, and overdrafts, ensuring compliance with all banking laws and regulations.

Responsibilities

Leadership and Team Management

  • Oversee and mentor the credit team, ensuring alignment with organizational objectives.
  • Guide direct reports to optimize performance, collaboration, and professional growth.
  • Foster a collaborative and high-performing team environment within the credit department.
  • Offer training and professional development opportunities to enhance team capabilities.

Credit Risk and Portfolio Management

  • Monitor credit portfolios and conduct risk assessments to mitigate potential losses.
  • Provide independent assessment of the loan portfolio's quality, identifying strengths and weaknesses at the loan, industry, or lender level.
  • Oversee credit risk management, including concentration levels and compliance with policies.
  • Monitor loan delinquency activity on a continuous basis.
  • Establish guidelines for and monitor appraisal and environmental assessment activities to ensure that appraisals meet with the Banc’s compliance and quality requirements and are completed in a timely manner.
  • Determine and ensure loan loss reserve and REO valuation reserve adequacy.
  • Ensure customer satisfaction and account retention as appropriate through quality customer service.
  • Handle customer requests and complaints with prompt, professional and courteous attention.

Policy Development and Compliance

  • Establish and refine credit policies, procedures, and standards to ensure efficiency, consistency, and regulatory compliance.
  • Maintain a thorough knowledge of the bank's lending policies and collaborate with the credit team on updates or changes.
  • Comply with BSA requirements and ensure completion of proper documentation.
  • Stay abreast of regulations and legislative changes affecting credit or loan areas.

Strategic Planning and Stakeholder Engagement

  • Develop and execute the organization’s credit strategy, aligning it with market trends and corporate goals.
  • Collaborate with senior leadership to drive sustainable growth and profitability.
  • Act as the primary credit risk advisor to the executive team and board, presenting insights, recommendations, and performance updates.
  • Liaise with external stakeholders, including regulatory bodies and financial partners, to maintain trust and compliance.

Operational Oversight and Support

  • Assist with external loan reviews, audits, and examinations.
  • Provide technical advice and guidance to lending officers, enhancing credit underwriting standards.
  • Prepare and present lending and credit reports for board meetings.

Qualifications:

  • Bachelor’s degree in finance, economics, business administration, or a related field (advanced degree such as an MBA or CFA preferred).
  • Extensive experience (10+ YEARS) in credit administration, underwriting, risk management, or related banking roles. At least 5 years’ experience with leadership experience managing credit teams.
  • Strong knowledge of credit analysis, underwriting standards, and risk assessment tools.
  • Proficient in financial software and analytics tools used in banking operations.
  • Deep understanding of banking regulations, compliance requirements, and risk management frameworks.
  • Ability to develop and implement credit strategies aligned with business goals.
  • Excellent verbal and written communication skills for stakeholder engagement and reporting.
  • Commitment to ethical standards and transparency in credit decisions.
  • Exceptional judgment in balancing risk and growth within credit operations.

Work Conditions:

  • While performing the duties of this job, the employee is occasionally required to stand, walk; sit; use hands to finger, handle, or feel, occasionally lift one to fifteen pounds.
  • This position is primarily office-based, with no regular remote work. Some travel may be required to attend meetings, training, or regulatory engagements.
  • This full-time role generally requires availability during standard business hours. Flexibility may be needed for special projects, deadlines, or board meetings.
  • The noise level in the work environment is usually moderate.
  • The CCO will frequently work under tight deadlines and must manage high-pressure situations, including regulatory reviews, credit risk assessments, and decision-making on critical matters.