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Credit Risk Analyst Jobs in California (NOW HIRING)

Sunflower Bank NA

Model Risk Analyst

Irvine, CA · On-site

$85K - $95K/yr

The Analyst will be responsible for supporting the bank-wide Model Risk Management (MRM) program ... This role ensures that models-used for credit risk, liquidity risk, market risk, capital planning ...

Sunflower Bank NA

Model Risk Analyst

Irvine, CA · Hybrid

$85K - $95K/yr

The Analyst will be responsible for supporting the bank-wide Model Risk Management (MRM) program ... This role ensures that models-used for credit risk, liquidity risk, market risk, capital planning ...

Sunflower Bank, N.A.

Model Risk Analyst

Irvine, CA · On-site

$85K - $95K/yr

The Analyst will be responsible for supporting the bank-wide Model Risk Management (MRM) program ... This role ensures that models--used for credit risk, liquidity risk, market risk, capital planning ...

Uber

B2B Credit Risk Manager

San Francisco, CA · On-site +1

As a B2B Credit Risk Manager, you will lead initiatives across Credit Risk Management, Process ... analysis for customers Financial statements (P&L, Balance sheet, Cash flow)- Monitor Customers ...

Robert Half

Sr. Credit Policy Analyst

Vacaville, CA · On-site

$105K - $130K/yr

... risk. The ideal candidate brings sound judgment, strong quantitative skills, and the ability to ... analyzing their effect on credit risk, loss exposure, and overall business results. • Review ...

Sapta Global Inc

Risk Analyst

Signal Hill, CA

... credit card customers that fall within our risk framework and target them for various lending ... Follow a disciplined analysis approach to ensure recommendations taken to Senior Management result ...

SoFi

Credit Strategy - Risk Lead

San Francisco, CA · On-site

The Credit Strategy Lead will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi's lending ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in California

Credit Risk Analyst information

See California salary details

$36.5K

$112.4K

$194.9K

How much do credit risk analyst jobs pay per year?

As of Jun 9, 2026, the average yearly pay for credit risk analyst in California is $112,390.00, according to ZipRecruiter salary data. Most workers in this role earn between $81,400.00 and $138,700.00 per year, depending on experience, location, and employer.

What are some common challenges faced by Credit Risk Analysts when assessing new clients or loan applications?

Credit Risk Analysts often encounter challenges such as limited financial data, rapidly changing market conditions, and the need to balance risk with business growth objectives. They must carefully analyze incomplete or inconsistent client information while ensuring compliance with regulatory requirements. Collaborating with relationship managers and other departments is essential to gather additional insights and make informed recommendations, making strong communication and analytical skills crucial in overcoming these challenges.

What does a Credit Risk Analyst do?

A Credit Risk Analyst assesses the creditworthiness of individuals or organizations by analyzing financial data, credit reports, and economic conditions. Their main goal is to determine the likelihood that a borrower will default on their financial obligations. They use statistical models, risk assessment tools, and industry knowledge to evaluate risk and help lenders make informed lending decisions. Credit Risk Analysts often prepare reports, recommend risk mitigation strategies, and monitor existing credit portfolios for potential risks.

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

To thrive as a Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial principles, and typically a degree in finance, economics, or a related field. Familiarity with risk assessment tools, statistical software (such as SAS or R), and financial modeling systems is often required, along with relevant certifications like FRM or CFA being advantageous. Attention to detail, effective communication, and sound judgment are essential soft skills for presenting findings and collaborating with stakeholders. These competencies are crucial for accurately assessing creditworthiness, minimizing financial risk, and supporting informed lending decisions.

What Does a Credit Risk Analyst Do?

A credit risk analyst evaluates the creditworthiness of individuals or businesses seeking loans or credit cards. As a credit risk analyst, you must be systematic and thorough in examining each applicant’s financial information to provide a recommendation of whether or not your employer should grant credit to the applicant. Essentially, you are evaluating the risk to reward ratio of each loan applicant. Your job duties include the analysis of credit scores and credit reports, payment history, bank statements, and other financial statements. Depending on the scope of your job, you may collect this information directly from clients and inform them if the institution can approve or deny their credit or loan application.

What is the difference between Credit Risk Analyst vs Credit Analyst?

AspectCredit Risk AnalystCredit Analyst
Primary FocusAssessing the risk of default on loans and credit productsEvaluating creditworthiness of individual or business applicants
Required CredentialsTypically a degree in finance, economics, or related field; certifications like CFA or credit-specific coursesSimilar credentials; often the same certifications or degrees
Work EnvironmentFinancial institutions, risk management departmentsBanks, lending institutions, credit departments
Industry UsageCommonly used in risk assessment and managementPrimarily in lending and credit evaluation

While both roles involve evaluating credit, a Credit Risk Analyst focuses on assessing the overall risk associated with credit portfolios, whereas a Credit Analyst evaluates individual credit applications. The roles often overlap in credentials and work environment, but their specific focus differs within the credit industry.

More about Credit Risk Analyst jobs
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Credit Risk Analyst jobs near you

Model Risk Analyst

Sunflower Bank NA

Irvine, CA • On-site

$85K - $95K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 29 days ago

Job description

Job Type
Full-time
Description
At Sunflower Bank, N.A., we're experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it's what we do every day for clients and associates. Learn more about Sunflower Bank, N.A. at sunflowerbank.com.
Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Model Risk Analyst at our Irvine, CA location.
The salary range for this position is $85,000 to $95,000 depending on knowledge, skills, abilities, experience, and location.
Hybrid options available.
Description:
Sunflower Bank is seeking a Model Risk Analyst to join its Enterprise Risk Management Department. The Analyst will be responsible for supporting the bank-wide Model Risk Management (MRM) program, focusing on the annual assessment process, maintaining the model inventory, assisting in planning model validation, independent validation, and ongoing monitoring of quantitative models. This role ensures that models-used for credit risk, liquidity risk, market risk, capital planning, and BSA/AML-are conceptually sound, documented according to policy, and compliant with regulatory standards (e.g., SR 26-2).
Primary Responsibilities
  • Maintain the model inventory, ensuring it is up-to-date by confirming assigned models have correct attributes (status, owner, risk tier, review dates, etc.). Assist in model identification, classification, and risk rating.
  • Monitor the end-to-end issues management lifecycle of findings resulting from model validations, including tracking remediation progress and verifying closure documentation.
  • Ensure key details (assumptions, inputs, purpose, limitations) are clearly recorded in model documentation.
  • Perform hands-on validation of new and existing models, challenging conceptual soundness, assumptions, inputs, and performance metrics.
  • Conduct annual reviews and write annual review reports.
  • Act as a key point of contact with model developers and owners to discuss validation findings and provide "effective challenge".
  • Support requests received from third parties and Internal Audit related to model risk.
  • Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.
  • Responsible for upholding Fair and Responsible Banking practices and Code of Ethics and Conduct guidelines.
  • Perform other duties as assigned.

Education / Experience
  • Bachelor's degree in business analytics, economics, statistics, mathematics, finance, or a related quantitative field; master's preferred.
  • A minimum of one year of experience in model development, model validation, quantitative risk management, or financial modeling and/or other related disciplines.
  • Familiarity with Excel, SQL, Python, R, SAS, or other relevant languages for data analysis and code replication.
  • Advanced Excel skills, conditional formatting, and/or data analysis tools, and familiarity with data visualization tools.
  • Excellent written and verbal communication skills, with the ability to explain complex technical concepts to non-technical stakeholders.

Pay is dependent on knowledge, skills, abilities, experience, and location.
Working Conditions
The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.
Sunflower Bank Benefits
People choose to "bank" with us, but for those we serve, we're more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team.
Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are:
  • Rooted in Strength
  • Propelled by Growth
  • Individuals in a Great Whole
  • Creating Possibility
  • Community Focused

Associates enjoy outstanding benefits, including:
  • 401(k) Plan with 6% Match
  • Health/Dental/Vision Insurance
  • Company-paid Life Insurance
  • Tuition Reimbursement
  • Fitness Reimbursement
  • Paid Time Off
  • Volunteer Leave
  • Paid Holidays
  • Plus many more associate perks & incentives!

If you qualify, apply online at www.sunflowerbank.com/careers.
You've never worked anyplace like Sunflower Bank!
EOE/AA: Minorities/Females/Disabled/Vets
Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.
Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days.
If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location-specific notices is available on our privacy policy.

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