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Credit Risk Analyst Jobs in California (NOW HIRING)

MUFG

Credit Risk Manager

Los Angeles, CA · Hybrid

$170K - $223K/yr

Prepare detailed credit analyses and required credit applications in accordance with internal ... In-depth knowledge of credit and risk principles. * Demonstrated capability to independently handle ...

MUFG Bank, Ltd.

Credit Risk Manager

Los Angeles, CA · On-site

$170K - $223K/yr

Prepare detailed credit analyses and required credit applications in accordance with internal ... In-depth knowledge of credit and risk principles. * Demonstrated capability to independently handle ...

Super Micro Computer

Sr. Credit Analyst

San Jose, CA · On-site

$98K - $109K/yr

The Senior Credit Analyst will be involved with the daily credit risk optimization requirements and monitor credit exposure. A successful individual for this role must have strong written and verbal ...

Axos Bank

Construction Risk Analyst

San Diego, CA

$25 - $30/hr

The role assists senior analysts and management in identifying early warning indicators and ... Understand the credit culture and risk tolerance as outlined by senior management and the Board ...

Axos Bank

Construction Risk Analyst

Los Angeles, CA

$25 - $30/hr

The role assists senior analysts and management in identifying early warning indicators and ... Understand the credit culture and risk tolerance as outlined by senior management and the Board ...

Intuit

Staff Fraud & Risk Analyst

Mountain View, CA · On-site

$168K - $228K/yr

This role is the analytical backbone for decisions involving loss tolerance, revenue trade-offs ... or credit risk policy - Background working within or alongside a CRO or CFO organization ...

Axos Bank

Construction Risk Analyst

San Diego, CA · On-site

$25 - $30/hr

The role assists senior analysts and management in identifying early warning indicators and ... Understand the credit culture and risk tolerance as outlined by senior management and the Board ...

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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 Jul 4, 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.

How much does a Credit Risk Analyst make?

The average salary for a Credit Risk Analyst is approximately $70,000 to $90,000 annually, depending on experience, location, and the company's size. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher compensation, often supplemented with bonuses and benefits.

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.

Will a credit analyst be replaced by AI?

Credit risk analysts perform tasks such as evaluating creditworthiness and analyzing financial data, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can assist with data processing and risk modeling, human analysts are still essential for complex decision-making and nuanced assessments. The role is evolving to include managing AI outputs and maintaining oversight of automated systems.

Does credit risk pay well?

Credit risk analysts typically earn competitive salaries that vary by experience, location, and industry. Entry-level positions may start lower, but with experience and certifications like CFA or FRM, salaries can increase significantly, often reaching above the national average for financial roles.

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.

What do credit risk analysts do?

Credit risk analysts evaluate the creditworthiness of individuals or organizations to determine the likelihood of default on loans or credit agreements. They analyze financial data, credit reports, and market conditions using tools like spreadsheets and credit scoring models to assess risk and support lending decisions.
More about Credit Risk Analyst jobs
What are the most commonly searched types of Credit Risk Analyst jobs in California? The most popular types of Credit Risk Analyst jobs in California are:
What are popular job titles related to Credit Risk Analyst jobs in California? For Credit Risk Analyst jobs in California, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in California look for? The top searched job categories for Credit Risk Analyst jobs in California are:
What cities in California are hiring for Credit Risk Analyst jobs? Cities in California with the most Credit Risk Analyst job openings:
What are popular job titles related to Credit Risk Analyst jobs in CA? For Credit Risk Analyst jobs in CA, the most frequently searched job titles are:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in California as of June 2026, with employment types broken down into 1% As Needed, 65% Full Time, 27% Part Time, 1% Temporary, 5% Contract, and 1% Nights. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $112,390 per year, or $54 per hour.
Credit Policy Analyst - RETURNSHIP ELIGIBLE

Credit Policy Analyst - RETURNSHIP ELIGIBLE

Travis Credit Union

Vacaville, CA • On-site

$107K - $132K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 28 days ago

Job description

Description
This role is RETURNSHIP ELIGIBLE. Click here for more information: Returnship Program Careers Travis Credit Union
Schedule: Monday -Friday 40 hours/week
Hybrid: 2 days per week (Tuesday/Thursdays) in office.
Candidates must live within a reasonable commuting distance of the communities served by Travis Credit Union, which include the following counties: Alameda, Colusa, Contra Costa, Merced, Napa, Placer, Sacramento, San Joaquin, Solano, Sonoma, Stanislaus, and Yolo. For hybrid and remote roles, candidates are still required to reside within a commutable distance of our corporate headquarters in Vacaville, California.
We are unable to sponsor or assume sponsorship of employment visas for this position. Candidates must have current authorization to work in the U.S. (no sponsorship available).
Summary: Travis Credit Union's (TCU) Credit Policy Analyst focuses on developing, implementing, and monitoring credit policies to ensure effective risk management, profitability, and compliance. This position is responsible for conducting in-depth analysis of credit data, evaluating existing policies, and ensuring robust compliance with internal standards and external regulatory requirements. The analyst will provide actionable insights to help the organization balance growth with sound credit practices, fostering a stable lending environment.
Profile:
  • Creates and evaluates credit policies that guide lending practices, ensuring they align with regulatory requirements while maintaining profitability.
  • Conducts risk analysis to assess the impact of existing and proposed credit policies on an organization's risk exposure.
  • Ensures lending practices align with internal policies and external regulations.
  • Assesses the effectiveness of credit policies and recommends adjustments to improve outcomes.
  • Conducts industry and economic analysis to identify trends and/or opportunities that may impact credit policies.
  • Collaborates with teams across finance, risk management, and operations to implement and enforce credit policies.
    • Examples: Credit Risk assessment models, Policy updates, Portfolio Analysis, Compliance Audits.

Skills:
  • Quantitative & Analytical Proficiency - Strong ability to analyze financial data, credit models, and market trends to recommend sound policy and guidelines.
  • Credit Risk Assessment and Policy Development - Evaluating borrower creditworthiness using financial metrics and credit scoring models. An understanding of policy frameworks and risk appetite alignment.
  • Regulatory Compliance - Familiarity with FCRA, ECOA, Basel III, and other relevant regulations.
  • Market Research & Competitive Analysis - Ability to assess market conditions and competitor credit strategy to make informed decisions.
  • Problem-Solving - Identifying root causes of credit performance issues and proposing solutions.
  • Data Visualization & Reporting - Proficiency in tools like Excel, Tableau, Power BI, and SQL to present credit risk insights.
  • Communication - Ability to collaborate with stakeholders, clearly articulate analysis and policy rationale, and present lending recommendations.

Reporting & Experience:
Credit Policy Analyst:
  • Reports directly to assigned department leadership.
  • Bachelor's degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or equivalent related work experience.
  • Minimum of 3 years professional experience in credit policy analysis or policy development.
  • Minimum of 2 years utilizing analytic tools, key performance indicators, and solutions to inform business decisions and policy strategy.
  • Data Visualization certification (i.e. Tableau, Power BI) or SQL certification desired.

Sr. Credit Policy Analyst
  • Reports directly to assigned department leadership.
  • Bachelor's degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or a master's degree with a minimum of 2 years of equivalent related work experience; or equivalent related work experience.
  • Minimum of 5 years professional experience in credit policy analysis or policy development.
  • Minimum of 4 years utilizing analytic tools, key performance indicators, and solutions to inform business decisions and policy strategy.
  • Data Visualization certification (i.e. Tableau, Power BI) or SQL Certification desired.

Compensation: Base salary starting range is commensurate with experience.
  • Credit Policy Analyst: Grade 16 Non-Exempt: $43.31/hour - $53.50/hour
  • Sr. Credit Policy Analyst: Grade 18 Exempt: $107,016.00/annually - $132,204.80/annually

Our compensation philosophy considers various factors, including the scope and responsibilities of the position, as well as a candidate's experience, education/training, and key skills.
Benefits:
At Travis Credit Union, we prioritize the well-being of our employees and their families by providing a comprehensive Total Rewards program that supports their health, welfare, and financial security. In turn, this enables our employees to focus on delivering exceptional service to our members and meeting the goals of the credit union.
Eligible employees enjoy a robust benefits package, which includes:
  • Competitive medical, dental, and vision insurance
  • Mental health and wellness programs
  • Employee performance incentive plan
  • Merit-based salary increases
  • 401(k) program with immediately vested employer match
  • Generous holiday and vacation policies
  • Exclusive TCU perks such as employee loan and credit card discounts

Travis Credit Union is an Affirmative Action Employer.
EOE / Individuals with Disabilities / Veteran Status

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