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

US Bank

Business Banking Senior Credit Officer

Irvine, CA · On-site

$193K - $227K/yr

... risk analysis, structuring, and portfolio management skills for C&I lending, agricultural ... credit policies, procedures and underwriting standards/practices - Ability to assess and manage ...

UCS Forest Group

Credit Manager

Tustin, CA

$80K - $100K/yr

Conducts in-depth credit investigations including financial statement analysis (income statement, balance sheet, cash flow) and external credit reviews; recommends risk-based actions. * Ensures ...

Sierra Forest Products

Credit Manager

Tustin, CA · On-site

$80K - $100K/yr

Conducts in-depth credit investigations including financial statement analysis (income statement, balance sheet, cash flow) and external credit reviews; recommends risk-based actions. * Ensures ...

Sierra Forest Products

Credit Manager

Tustin, CA · On-site

$80K - $100K/yr

The Credit Manager provides strategic credit risk support across U.S. operations, partnering ... S. portfolio reporting, credit investigations, and executive‑ready analysis with clear ...

Sierra Forest Products

Credit Manager

Tustin, CA

$80K - $100K/yr

The Credit Manager provides strategic credit risk support across U.S. operations, partnering ... S. portfolio reporting, credit investigations, and executive‑ready analysis with clear ...

MRISpokane

Payments Fraud Analyst

Riverside, CA · On-site

Make timely decisions to release, restrict, return, or escalate transactions based on fraud risk ... credit union operations experience with strong fraud exposure * Hands-on experience with: * ACH ...

Chino Commercial Bank

Commercial Credit Analyst

Chino, CA · On-site

$22 - $27/hr

... risk of financing requests within framework of Bank credit culture and current economic and ... Ability to read, analyze and interpret general business periodicals, professional journals, and ...

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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 Jun 9, 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.

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
What job categories do people searching Credit Risk Analyst jobs in Riverside, CA look for? The top searched job categories for Credit Risk Analyst jobs in Riverside, CA are:
What cities near Riverside, CA are hiring for Credit Risk Analyst jobs? Cities near Riverside, CA with the most Credit Risk Analyst job openings:
Credit Risk Analyst jobs near you
Wealth Management Senior Credit Officer

Wealth Management Senior Credit Officer

US Bank

Irvine, CA • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

This job post has expired today. Applications are no longer accepted.

U.S. Bank rating

8.2

Company rating: 8.2 out of 10

Based on 345 frontline employees who took The Breakroom Quiz

38th of 141 rated banks

Job description

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

Job Description

Senior Credit Risk Management role responsible for leading the Credit Approval team supporting the national Wealth Management Groups. Portfolio composition includes personal and commercial banking services for high-net-worth and ultra-high-net-worth Individuals, Trusts/holding companies, and Professional Services Companies.

The team is responsible for approving loans exceeding business line authority levels and overseeing the management of the Wealth Management portfolio. Responsible for maintaining prudent lending standards within U.S. Bank's risk appetite and ensuring conformity with U.S. Bank policies and procedures, while supporting business growth, initiatives and the development/retention of client relationships.

The individual serves as a subject matter expert for credit policy/procedures, credit underwriting and risk analysis. The team oversees the credit culture for the business line, monitors delinquency, loss and risk rating accuracy for Wealth Management. The individual will lead the team in partnering with the Business Line's Chief Credit Officer, Regional Credit Managers, Wealth Advisors, Relationship Managers, product, underwriting, portfolio management, auditors, and regulators.

Basic Qualifications
- Bachelor's or advanced degree, or equivalent work experience
- Typically more than 15 years of applicable experience

Preferred Skills/Experience

- Demonstrated experience in credit risk management, risk analysis, structuring and portfolio management

- Demonstrated experience in securities-based lending, residential and specialty commercial real estate financing, balance sheet monetization (custom liquidity facilities), as well as C&I lending

- Excellent interpersonal, presentation, written and verbal communication skills

- Expert knowledge of credit policies, procedures and underwriting standards/practices

- Ability to assess and manage industry-specific risks

- Ability to collaborate effectively with business units to support loan and operational excellence while appropriately managing risk

- Strong knowledge of business line's operations, products, services, systems and associated risks/controls.

- Considerable understanding of applicable laws, regulations, financial services, and regulatory trends that impact the Wealth Management line of business

- Demonstrated management and leadership skills, as well as the ability to effectively mentor approvers and manage a diverse nationwide team

This role requires working from a U.S. Bank location three (3) or more days per week.

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to ourdisability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

  • Healthcare (medical, dental, vision)

  • Basic term and optional term life insurance

  • Short-term and long-term disability

  • Pregnancy disability and parental leave

  • 401(k) and employer-funded retirement plan

  • Paid vacation (from two to five weeks depending on salary grade and tenure)

  • Up to 11 paid holiday opportunities

  • Adoption assistance

  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about theE-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $193,035.00 - $227,100.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.

What U.S. Bank employees say

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Benefits

Hours and flexibility

Workplace

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About U.S. Bank

Sourced by ZipRecruiter

U.S. Bank is a reputable and established financial institution that plays a significant role in the banking sector. With a history spanning over 150 years, U.S. Bank has built a strong foundation of trust and reliability. As a comprehensive bank, they offer a wide array of financial products and services to cater to the diverse needs of their customers, including individuals, businesses, and communities. Customer satisfaction is of utmost importance to U.S. Bank. They prioritize delivering exceptional service and fostering long-term relationships with their clients. Through their extensive network of branches and advanced digital banking platforms, U.S. Bank ensures convenient access to their services, empowering customers to manage their finances efficiently and securely.

Industry

Banking and credit intermediation

Company size

10,000+ Employees

Headquarters location

Minneapolis, MN, US

Year founded

1863

Social media

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