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Credit Risk Analyst Jobs in Riverside, CA (NOW HIRING)

KMC

Credit Analyst - Powersports

Foothill Ranch, CA · On-site

$30 - $36/hr

Analyze and render decisions on incoming credit applications for powersports loans, ensuring adherence to company guidelines and risk policies. * Assess borrower creditworthiness through credit ...

US Bank

Credit Risk Python Architect

Irvine, CA

$111K - $131K/yr

... Credit Risk Administration credit models, analytics, and reporting. We are seeking a Python ... Strong analytical, organizational, problem-solving, negotiation, and project management skills

City National Bank

Credit Associate sp

Irvine, CA · On-site

$34.55 - $55.19/hr

ESOP and Healthcare. This role involves assisting with credit data analysis, underwriting, and portfolio review activities including facilitating credit risk recommendation. The Credit Associate may ...

City National Bank

Credit Associate sp

Irvine, CA · On-site

$34.55 - $55.19/hr

ESOP and Healthcare. This role involves assisting with credit data analysis, underwriting, and portfolio review activities including facilitating credit risk recommendation. The Credit Associate may ...

Hyundai Capital

Sr. Portfolio Risk Associate

Irvine, CA · Hybrid

Develop portfolio analysis of credit segments to differentiate portfolio delinquency and loss performance, assess risk and opportunities of portfolio performance trends, and effectively communicate ...

Hyundai Capital

Sr. Portfolio Risk Associate

Irvine, CA · On-site

$88K - $132K/yr

Develop portfolio analysis of credit segments to differentiate portfolio delinquency and loss performance, assess risk and opportunities of portfolio performance trends, and effectively communicate ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Riverside, CA

Credit Risk Analyst information

See Riverside, CA salary details

$38.6K

$118.8K

$206K

How much do credit risk analyst jobs pay per year?

As of Jul 4, 2026, the average yearly pay for credit risk analyst in Riverside, CA is $118,808.00, according to ZipRecruiter salary data. Most workers in this role earn between $86,100.00 and $146,600.00 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.
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Credit Risk Analyst jobs near you
Credit and Collections Analyst

Credit and Collections Analyst

Air Treatment Corporation

Brea, CA • On-site

Other

Posted yesterday

Job description

Description: Air Treatment Corporation is a dynamic, collaborative work environment. We understand the expectations of high–quality customer service, therefore we actively search and promote a cohesive team that is formulated to exceed expectations. Air Treatment Corporation is a 100% employee-owned manufacturer’s representative specializing in HVAC systems for commercial and industrial construction projects. We partner closely with contractors, project managers, and general contractors to ensure seamless execution of project phases.

The Credit & Collections Analyst requires a proactive individual who understands the payment behaviors typical to trades, has working knowledge of construction-related legal tools (e.g., lien and bond claims), and thrives in a project-driven environment. This position will require managing job-specific accounts, monitoring credit-exposure, initiating collection efforts, and ensuring compliance with construction credit laws. This role requires attention to detail, accuracy, and excellent organizational skills.


Duties/Responsibilities:

  • Oversee a portfolio of accounts, with a focus on timely collections and accurate credit risk evaluation.
  • Initiate and manage collection efforts on delinquent balances via phone and email communication with customers, General Contractors, and Accounts Payable departments.
  • Review and approve credit applications, ensuring proper vetting of contractor references, licensing, and bonding information.
  • Analyze credit risk based on job size, contract terms, and lien position. Place and lift credit holds accordingly.
  • Draft and track project-specific instruments such as joint check agreements, order deposits, and installment payment schedules.
  • Prepare stop Payment Notices and Bond Claims in line with California construction law.
  • Document all Accounts Receivable activity and maintain detailed records of payment commitments and dispute resolutions.
  • Coordinate with sales, project coordinators, and accounting to address invoice discrepancies and customer issues.
  • Support audit requests and contribute to the ongoing improvement of internal credit and collections processes.
  • Perform other credit-related duties as assigned.
Requirements:

Required Skills/Abilities:

  • Proficient in Accounts Receivable best practices, job-based billing cycles, and PO-based invoice workflows.
  • In-depth knowledge of California Lein Law, Stop Payment Notices, and Bond Claims.
  • Excellent communication skills, particularly in navigating payments discussions with General Contractors and Subcontractors.
  • Demonstrated high attention to detail, strong follow-up and ability to work independently in a deadline-driven environment.
  • Familiarity with Microsoft Dynamics GP or Dynamics 365 Business Central.
  • Ability to maintain confidentiality and compliance with company policies and financial regulations.

Education and Experience:

  • Bachelor’s Degree in Accounting, Finance, Business Administration or related field OR.
  • Associate’s Degree with a minimum of 7+ years’ credit and collections experience in the construction industry (HVAC or mechanical trades preferred).

Physical Requirements

  • Prolonged periods of sitting at a desk and computer work.
  • Phone interaction with customers/clients and team members.
  • Must be able to lift 15 pounds at times.
  • On-site position, we are unable to offer relocation for this role.


At Air Treatment Corporation, we are committed to growth, innovation, and excellence. As leading experts in HVAC & R solutions, we recognize that the success of our team drives the success of our company. This is echoed in our commitment to a workplace built on fairness, professionalism, and opportunity, ensuring that every team member is valued. Join our team and contribute your unique skills and perspectives to help us continue delivering industry-leading solutions.

Compensation details: 60000-70000 Hourly Wage


PI50a409ee4770-37820-40487928

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