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Credit Risk Management Jobs in California (NOW HIRING)

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Senior Credit Risk Analyst

Bodega Bay, CA

The Role We're seeking a Senior Credit Risk Analyst to join our Enterprise Risk Management team. This role sits at the intersection of credit risk analytics, data science, and strategic risk ...

MUFG

Credit Risk Manager

Los Angeles, CA · Hybrid

$170K - $223K/yr

Oversee portfolio management activity and assume accountability for delivery and execution for the ... In-depth knowledge of credit and risk principles. * Demonstrated capability to independently handle ...

Valley Bank

Credit Risk Manager

Los Angeles, CA · On-site

... management. Identifies, outlines, and mitigates risks associated with potential lending ... Ensures credits are accurately risk rated and are properly monitored and reported. * Prepares all ...

Uber

B2B Credit Risk Manager

San Francisco, CA · On-site +1

The Credit team's mission is to protect company revenue while enabling sustainable business growth through effective credit risk management, working capital optimization, and strong partnership with ...

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All JobsCredit Risk Management JobsCredit Risk Management Jobs in California

Credit Risk Management information

See California salary details

$85.4K

$156.2K

$236.4K

How much do credit risk management jobs pay per year?

As of Jul 6, 2026, the average yearly pay for credit risk management in California is $156,239.00, according to ZipRecruiter salary data. Most workers in this role earn between $131,800.00 and $175,200.00 per year, depending on experience, location, and employer.

Does credit risk pay well?

Credit risk management professionals typically earn competitive salaries that vary by experience, location, and industry. Entry-level roles may start lower, while experienced analysts and managers can earn higher compensation, often supplemented by bonuses and certifications such as CFA or FRM. Overall, it is considered a well-paying field within finance and risk management sectors.

What are some common challenges faced by professionals in Credit Risk Management, and how can they be addressed?

Professionals in Credit Risk Management often encounter challenges such as assessing complex borrower profiles, keeping up with changing regulatory requirements, and managing large volumes of data. To address these, it's important to develop strong analytical skills, stay updated on industry regulations, and leverage technology for more efficient data analysis. Collaborating closely with other departments, such as sales and compliance, also helps ensure well-rounded risk assessments and effective risk mitigation strategies.

What are the key skills and qualifications needed to thrive in Credit Risk Management, and why are they important?

To thrive in Credit Risk Management, you need strong analytical skills, financial modeling expertise, and a solid background in finance or economics, often supported by a relevant degree. Familiarity with risk assessment software, credit scoring systems, and regulatory compliance tools such as Basel III is highly valued. Attention to detail, effective communication, and sound judgment are crucial soft skills for evaluating creditworthiness and collaborating with stakeholders. These skills ensure accurate risk assessments, regulatory compliance, and informed decision-making to protect the organization's financial health.

What is the salary of credit risk officer?

The salary of a credit risk officer varies depending on experience, location, and the employer, but typically ranges from $70,000 to $130,000 annually. At firms like JP Morgan, entry-level positions may start around $80,000, with experienced officers earning over $120,000, often supplemented by bonuses and benefits.

What is the highest paying risk management job?

In risk management, senior roles such as Chief Risk Officer (CRO) or Risk Executive typically have the highest salaries, often exceeding six figures annually. These positions require extensive experience, advanced certifications like FRM or CFA, and oversight of enterprise-wide risk strategies.

What does a credit risk manager do?

A credit risk manager assesses the creditworthiness of individuals or organizations to determine the likelihood of default on loans or credit agreements. They analyze financial data, develop risk mitigation strategies, and monitor credit portfolios using tools like credit scoring models and financial analysis software to minimize potential losses for their organization.

What is the difference between Credit Risk Management vs Credit Analysis?

AspectCredit Risk ManagementCredit Analysis
Primary FocusAssessing and mitigating overall credit risk for an organizationEvaluating individual creditworthiness of borrowers
CertificationsTypically requires certifications like CFA, Credit Risk certificationsOften requires financial analysis certifications or degrees
Work EnvironmentStrategic, risk-focused, often in risk departmentsAnalytical, detail-oriented, in credit or lending departments
Industry UsageCommon in banking, financial services, and lending institutionsUsed across banks, credit agencies, and lending firms

While both roles involve assessing financial information, Credit Risk Management focuses on the broader risk exposure of the organization, whereas Credit Analysis concentrates on evaluating individual borrowers' creditworthiness. Understanding these differences helps professionals and employers align roles with skills and organizational needs.

What is Credit Risk Management?

Credit Risk Management is the process of identifying, assessing, and mitigating the risk that a borrower or counterparty will fail to meet their financial obligations. Professionals in this field analyze creditworthiness, set lending policies, and monitor existing loans to minimize potential losses for banks or financial institutions. Effective credit risk management helps ensure the stability of financial systems and protects organizations from significant financial loss.
What are popular job titles related to Credit Risk Management jobs in California? For Credit Risk Management jobs in California, the most frequently searched job titles are:
What job categories do people searching Credit Risk Management jobs in California look for? The top searched job categories for Credit Risk Management jobs in California are:
What cities in California are hiring for Credit Risk Management jobs? Cities in California with the most Credit Risk Management job openings:
Credit Risk Management jobs near you
Infographic showing various Credit Risk Management job openings in California as of June 2026, with employment types broken down into 100% Full Time. Highlights an 85% In-person, and 15% Hybrid job distribution, with an average salary of $156,239 per year, or $75.1 per hour.
Manager, Consumer Credit Risk - Chatsworth

Manager, Consumer Credit Risk - Chatsworth

Premier America Credit Union

Chatsworth, CA • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 5 days ago

Job description

Job Type
Full-time
Description
Overview:
The Manager, Consumer Credit Risk is responsible for day-to-day execution, monitoring, analysis, and recommendation support related to consumer credit risk. This role manages assigned credit risk activities within established policies, risk appetite, underwriting standards, and strategic direction set by the Vice President. The position reviews portfolio performance, delinquency, losses, exception trends, approval performance, scorecard and decision-system outcomes, and other portfolio indicators to identify risk trends and recommend changes for management review and approval. The manager partners with underwriting, operations, systems, compliance, collections, branches, dealers, and third-party originators to support consistent, data-informed, compliant lending decisions.
What You Will Do:
  • Ensures timely resolution of escalated branch or member issues and complaints.
  • Maintains working knowledge of regulatory compliance related to member services and financial services area to include (but not limited to): BSA reporting requirements, OFAC, USA Patriot ACT, Red Flags, Regulation CC, Regulation D, Regulation E, Truth in Savings, Truth in Lending, Privacy, etc.
  • Responsible for ensuring team members maintain regular contact with branches, brokers, dealerships and third-party vendors.
  • Identifies credit risk trends and prepares recommendations for policy, process, pricing, underwriting, or system enhancements for management review, approval, and escalation as appropriate.
  • Maintains a well-trained, efficient and productive team and ensure efforts are coordinated to meet performance.
  • Monitors assigned team's performance to established goals and provides regular updates to management regarding achievements, challenges, and recommended support needs.
  • Responsible for effective coaching and development of each team member.
  • Serves as an authority on vehicle tax and registration rules by geography, keeping abreast of changes as they are announced and communicating them to the team in a timely manner.
  • Supports defined goals and objectives by coordinating assigned initiatives, tracking progress, and preparing status updates. Supports the development and standardization of credit risk procedures, controls, and reporting practices approved, to improve consistency and effectiveness.
  • Works directly with the Department Managers to ensure efficiency and consistency across all consumer-lending areas.
  • Executes assigned consumer credit risk monitoring, portfolio review, underwriting quality review, and lending control activities under the direction of department executive.
  • Assumes responsibility for the day-to-day support and guidance to assigned staff.
  • Performs ongoing credit risk assessment of assigned consumer loan products and escalates material trends, exceptions, and recommended actions to the executives, including unsecured, secured, auto loans, credit cards and other related products and services.
  • Monitors and analyzes economic conditions, portfolio performance, delinquency, charge-off, approval, exception, and loss trends to support risk adjustments and management reporting.
  • Develops team member capability in credit risk assessment, portfolio analysis, risk mitigation, exception management, and critical thinking while escalating performance, resource, or authority matters to management.
  • Works with Systems and lending partners to test, validate, and document decision-manager rules, automated approvals, scorecard logic, and system controls approved by management or applicable governance authority.
  • Assumes responsibility for establishing and maintaining effective communication and coordination with Premier America staff and management.
  • Maintains a satisfactory or better audit review.
  • Adhere strictly to compliance and operational risk controls in accordance to Premier America's and regulatory standards, policies, and practices.
  • Stay informed of trends and changes in the Consumer Lending field.
  • Attend seminars and professional conferences as necessary.

Requirements
What We Are Looking For:
  • A minimum of three (3) years of similar or related experience.
  • Bachelor's degree in Finance, Accounting, Economics or related field.
  • Strong knowledge of consumer credit risk management, underwriting standards, credit policy, portfolio monitoring, loss mitigation, regulatory requirements, and Credit Union operations, practices, and procedures.
  • Knowledge of consumer loan origination systems, automated decisioning tools, core systems, credit bureau data, reporting tools, and portfolio analytics used to evaluate and monitor credit risk.
  • Ability to use a personal computer and related software applications including Microsoft Word and Excel.
  • Excellent communication (verbal and written) skills.
  • Excellent supervisory and training abilities.
  • Strong people management skills including providing feedback, performance management, and development of direct reports.
  • Strong organizational and problem-solving skills, with the ability to multi-task.
  • Ability to work well under pressure.
  • Ability to maintain an effective and efficient workflow.

Pay Grade Info :
The base pay range for this position is: $96k to $120k annually
Perks Important to You:
Our Team Members enjoy the following rewards and benefits:
• Competitive pay
• Subsidized health care including medical, dental and vision
• FSA and HSA
• Company-Paid Life and A&D insurance
• Discounts on loans (must be a member)
• Paid Vacation, Holiday, and Sick time
• 401k Retirement Saving Plan with a 6% safe harbor employer match
• Educational Assistance Program and more!
Equal Opportunity Employer - Veterans / Disabled
Drug-free Workplace

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