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Credit Risk Management Jobs in California (NOW HIRING)

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

Generates an array of accurate monthly, quarterly and annual management reports * Establishes and ... Supports the Director, Credit Risk as required by performing special projects, ad hoc reporting ...

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

Generates an array of accurate monthly, quarterly and annual management reports * Establishes and ... Supports the Director, Credit Risk as required by performing special projects, ad hoc reporting ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site +1

The primary responsibilities are managing the company's underwriting guidelines, credit risk policies and loan eligibility parameters. The VP of Credit Risk ensures that the company's lending ...

Guild

VP, Credit Risk

San Diego, CA · On-site

$177K - $242K/yr

The primary responsibilities are managing the company's underwriting guidelines, credit risk policies and loan eligibility parameters. The VP of Credit Risk ensures that the company's lending ...

SKIMS

Director, Treasury & Credit Risk

Los Angeles, CA

$190K - $210K/yr

Director, Treasury & Credit Risk Department: Accounting and Finance Employment Type: Full Time ... Oversee global cash management, liquidity optimization, and investment activities, ensuring ...

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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 Jun 15, 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.

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 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
Credit Risk Analyst

Credit Risk Analyst

Calpine

San Diego, CA • On-site

$70K - $88K/yr

Full-time

Posted 16 days ago

Calpine rating

8.2

Company rating: 8.2 out of 10

Based on 8 frontline employees who took The Breakroom Quiz

Job description

Calpine, a business unit of Constellation Energy Corporation (Nasdaq: CEG), is America's largest generator of electricity from natural gas and geothermal resources with operations in competitive power markets. With 79 energy facilities in operation, Calpine's fleet has the capacity to generate approximately 27,000 MW of electricity - enough to power approximately 27 million homes. Through wholesale power operations and its retail businesses, Calpine serves customers in 22 states and Canada. Its clean, efficient, modern and flexible fleet uses advanced technologies to generate power in a low-carbon and environmentally responsible manner.
The company was established on the premise that a strong commitment to the environment is inextricably linked to excellence in power generation and corporate responsibility. Since its founding in 1984, Calpine has led the power industry in its unwavering commitment to environmental stewardship. In addition, its renewable geothermal plants use steam generated deep below the earth's surface to produce clean, renewable electricity.
Job Summary (includes but is not limited to the following, other duties may be assigned)
Independently manages an assigned counterparty portfolio by interfacing with all levels of sales and management, to ensure the protection of the company's mark to market exposure (MTM) and accounts receivable assets through the effective use of credit risk analytics and systems. Provides support to the company's sales efforts by performing timely credit risk analysis on potential and existing counterparties. While understanding margining and collateral structures for large clients. At all times exercises discretion and independent judgement in assigned areas of responsibility.
Key activities:
  • Perform credit risk analysis
  • Develop risk mitigating products

Job Responsibilities:
Credit Risk Analysis 65%
  • Performs detailed credit risk analysis, including analysis of financial data and ratios, to qualify new and existing counterparties that meet established timelines and support ongoing sales negotiations
  • Utilizes outside vendors (Standard & Poors, Moody's, Dun & Bradstreet, etc.) to thoroughly research and obtain salient industry and counterparty data for credit risk evaluation
  • Perform annual reviews of financial and credit data for assigned account portfolio. Calculates and assigns credit risk ratings based upon the output of proprietary scoring models
  • Initiates modifications of credit limits to existing customers to support increased business opportunities or to project the company from undo losses
  • Assess, calculate, and monitor collateral and margin requirements for retail customers, including cash margin, letters of credit, parental guarantees, and other credit support instruments

Reporting & Special Projects 25%
  • Generates an array of accurate monthly, quarterly and annual management reports
  • Establishes and maintains counterparty data in Allegro system
  • Supports the Director, Credit Risk as required by performing special projects, ad hoc reporting, routine requests, etc.

Collections 10%
  • Authorized to work autonomously in day-to-day decision making to effectively collect payments from customers in accordance with contractual terms
  • Empowered to negotiate terms of sale and payment plans as necessary
  • Interfaces with all levels of sales, senior management and other internal departments to expedite the resolution of disputes and thus ensure the protection of the company's settlement risk through the effective use of systems and proven collection practices
  • Integral in the ongoing reconciliation of customer accounts
  • Develops and maintains effective working relationships with internal and external customers to maximize cooperation and efficiency

Job Requirements:
  • Bachelor's Degree in finance, accounting or equivalent experience
  • Minimum of two (2) years in commercial or wholesale credit
  • Demonstrated organization, analytical and problem-solving skills are required
  • Highly skilled in complex financial analysis as it relates to evaluating creditworthiness
  • Is able to identify and prioritize various tasks to efficiently produce results
  • Strong verbal, written and interpersonal communication skills are essential
  • Energy industry or banking experience is preferred
  • Experienced with receivable management systems and is proficient in Microsoft Excel and Word

Salary Information:
Salary Range: $70,304 to $88,448
Additional Calpine Information:
  • Equal Opportunity Employer of Minorities, Females, Protected Veterans, and Individuals with Disabilities.
  • Calpine is committed to Equal Employment Opportunity and providing reasonable accommodations to applicants with physical and/or mental disabilities. If you are interested in applying for employment and need special assistance or an accommodation to use our website or to apply for a position, please send an e-mail with your request to hrrecruitment@calpine.com. Determination on requests for reasonable accommodation are made on case-by-case basis.
    Please view Equal Employment Opportunity Posters provided by OFCCP here

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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