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Credit Risk Manager Jobs in San Ramon, CA (NOW HIRING)

Earnest

Senior Credit Strategy Analyst

San Francisco, CA · On-site

$134K - $165K/yr

The Senior Credit Strategy Analyst will report to Senior Credit Risk Manager, Personal Loans. As the Senior Credit Strategy Analyst, you will: * Own end-to-end implementation of credit and fraud ...

Visa

Director, VCA NA Risk Practice

San Francisco, CA · On-site

This person will design, implement, and optimize strategies across the credit lifecycle to enhance risk management, improve decision-making, and drive business growth. This role requires deep ...

City National Bank

Credit Associate

Walnut Creek, CA · On-site

$34.55 - $55.19/hr

Risk Management: Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank's credit risk appetite, and compliance with ...

City National Bank

Credit Associate

San Francisco, CA

$34.55 - $55.19/hr

Risk Management: Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank's credit risk appetite, and compliance with ...

City National Bank

Credit Associate

Walnut Creek, CA

$34.55 - $55.19/hr

Risk Management: Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank's credit risk appetite, and compliance with ...

US Bank

Credit Risk Python Architect

San Francisco, CA

$111K - $131K/yr

... Credit Risk Administration credit models, analytics, and reporting. We are seeking a Python ... Managing containerized applications with Kubernetes, Docker, and Helm * Shell scripting * Git / Git ...

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Credit Risk Manager information

See San Ramon, CA salary details

$96.7K

$176.9K

$267.6K

How much do credit risk manager jobs pay per year?

As of Jun 8, 2026, the average yearly pay for credit risk manager in San Ramon, CA is $176,917.00, according to ZipRecruiter salary data. Most workers in this role earn between $149,200.00 and $198,400.00 per year, depending on experience, location, and employer.

How does a Credit Risk Manager typically collaborate with other departments to assess and mitigate risk?

A Credit Risk Manager frequently works with teams across the organization, such as underwriting, finance, and compliance, to assess borrower creditworthiness and ensure adherence to risk policies. Collaboration often involves developing risk models, reviewing loan portfolios, and communicating risk exposures to senior management. Working closely with these departments enables comprehensive risk assessments and the implementation of effective mitigation strategies. This cross-functional approach fosters a proactive risk culture and ensures that credit decisions align with both regulatory requirements and business objectives.

What Does a Credit Risk Manager Do?

A credit risk manager analyzes credit risk for banks and similar financial institutions. In this role, it’s your job to develop better credit risk policies and procedures to alleviate losses and maintain capital. Additional duties involve examining data, building financial models, creating performance reports, ensuring regulatory compliance, and formulating credit policy. This career requires at least a bachelor’s degree in business administration or a related field. Other important qualifications include excellent analytical, communication, and research skills. Most employers typically prefer candidates who have previous risk management experience.

What are Credit Risk Managers?

Credit Risk Managers are professionals responsible for assessing and managing the risk of financial losses that may arise from borrowers failing to repay loans or meet contractual obligations. They analyze financial data, credit reports, and market trends to determine the creditworthiness of individuals or businesses. Credit Risk Managers also develop policies and strategies to minimize potential losses and ensure compliance with regulatory standards. Their role is critical in maintaining the financial health and stability of banks, lending institutions, and other organizations involved in credit.

What are the key skills and qualifications needed to thrive as a Credit Risk Manager, and why are they important?

To thrive as a Credit Risk Manager, you need strong analytical abilities, deep knowledge of financial principles, and typically a degree in finance, accounting, or a related field. Familiarity with risk modeling software, credit scoring systems, and regulatory frameworks such as Basel III is essential. Strong communication, decision-making, and stakeholder management skills set outstanding professionals apart in this field. These skills are crucial for accurately assessing creditworthiness, minimizing financial losses, and ensuring regulatory compliance within financial institutions.

What is the difference between Credit Risk Manager vs Credit Analyst?

AspectCredit Risk ManagerCredit Analyst
CredentialsBachelor's degree, often certifications like CFA or credit risk certificationsBachelor's degree, finance or related field, sometimes certifications like CFA
Work EnvironmentOversees risk policies, manages teams, strategic planningAnalyzes credit data, assesses borrower risk, prepares reports
Industry UsageUsed in banking, financial services, lending institutionsCommon in banks, credit agencies, financial firms

The Credit Risk Manager focuses on overseeing and managing the overall credit risk policies and teams, while the Credit Analyst conducts detailed credit assessments of individual borrowers. Both roles require similar credentials and are integral to credit decision processes, but they differ in scope and responsibilities.

Does credit risk pay well?

Credit risk managers typically earn competitive salaries that vary based on experience, location, and industry. They often receive additional benefits and may need certifications such as CFA or FRM, with higher salaries generally associated with senior roles and specialized skills.
More about Credit Risk Manager jobs
What job categories do people searching Credit Risk Manager jobs in San Ramon, CA look for? The top searched job categories for Credit Risk Manager jobs in San Ramon, CA are:
What cities near San Ramon, CA are hiring for Credit Risk Manager jobs? Cities near San Ramon, CA with the most Credit Risk Manager job openings:
Credit Risk Manager jobs near you

Senior Credit Products Specialist - Private Banking

Flagstar Bank

Walnut Creek, CA • On-site

Full-time

Medical, Dental, Vision, Life

Posted 3 days ago

Job description

Position Title

Senior Credit Products Specialist - Private Banking

Location

Walnut Creek, CA 94596

Job Summary

The Senior Credit Products Specialist - Private Banking is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships. This role influences credit strategy by providing deep market insights, proactive risk identification, and innovative deal structuring solutions. With extensive experience in credit analysis and portfolio management, this position ensures long-term portfolio health while supporting the bank's growth objectives. Additionally, this role serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management.

Job Responsibilities:

JOB RESPONSIBILITIES

  • Complex Credit Structuring & Underwriting: Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs.
  • Portfolio Strategy & Risk Oversight: Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
  • Client & Executive Leadership Engagement: Serve as a strategic partner to RMs and senior leadership, offering expertise in credit negotiations and deal execution.
  • Credit Agreement Negotiation: Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
  • Team Leadership & Mentorship: Mentor junior credit professionals, providing training and leadership in credit risk best practices. Proactively identifies and raises to senior leadership improvement areas in credit processes and procedures.
  • Uses independent judgement and discretion to make decisions regarding assigned portfolio
  • Analyzes and resolves problems pertaining to the assigned portfolio.

ADDITIONAL ACCOUNTABILITIES

  • Performs special projects, and additional duties and responsibilities as required.
  • Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.

JOB REQUIREMENTS

Required Qualifications:

  • Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience
  • Minimum experience required: 8+ Years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis
  • Deep expertise in structuring and negotiating complex credit agreements.
  • Strong leadership skills with the ability to influence credit strategy and policy.
  • In-depth understanding of macroeconomic factors and their impact on credit risk.
  • Proven ability to manage large portfolios and advise senior executives.
  • Exceptional communication and stakeholder management skills.
  • As relevant for the supported line of business, well versed in legal documentation (e.g., Credit Agreements) and positioned to both develop more junior associates on the topic, interact with internal and external legal counsel, and negotiate directly with clients.

Preferred Qualifications:

  • Education level preferred: Master's Degree (or Postgraduate equivalent) MBA or CFA preferred.

Job Competencies:

  • Strategic Credit Expertise: Deep knowledge of complex commercial lending structures, industry trends, and economic factors impacting credit risk.
  • High-Level Risk Oversight: Ability to assess portfolio risk at a macro level, identifying patterns and trends that inform credit strategy.
  • Client & Executive Engagement: Strong ability to interact with senior leadership, legal teams, and high-profile clients on structuring and negotiating credit agreements.
  • Deal Structuring & Negotiation: Expertise in negotiating complex loan terms, partnering with legal counsel and senior RMs to finalize agreements.
  • Leadership & Mentorship: Serves as a mentor to junior credit professionals, developing talent and fostering a strong credit culture.
  • Change Management & Innovation: Identifies opportunities for process improvement, technology adoption, and best practice implementation.

  • Regulatory & Policy Knowledge: Deep understanding of credit policies, compliance standards, and legal considerations in lending.

  • Executive-Level Communication: Ability to articulate complex credit decisions clearly and persuasively to internal and external stakeholders.

  • Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.

  • Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.

  • Physical demands (ADA): No unusual physical exertion is involved.

If your work location is in an area in which qualifies for our enhanced market pricing, the following range will apply: $163,493 - $193,738.

Flagstar is an Equal Opportunity Employer

We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information:Benefits | Flagstar Bank

Pay Range

$105,974.25 - $168,468.00

Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as appliable.

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