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Credit Risk Officer Jobs in California (NOW HIRING)

Chase

Environmental Credit Risk Sr Officer

Irvine, CA · On-site

Environmental Credit Risk Associate Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the ...

Brex

Director, Credit Risk

San Francisco, CA · On-site

What you'll do As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing ...

Brex

Director, Credit Risk

San Francisco, CA · On-site

What you'll do As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing ...

Brex

Director, Credit Risk

San Francisco, CA · Hybrid

$231K - $289K/yr

What you'll do As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing ...

Valley Bank

Credit Risk Manager

Los Angeles, CA · On-site

Ensures credits are accurately risk rated and are properly monitored and reported. * Prepares all ... Strong level of interpersonal and social skills needed to interact with loan officers ...

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All JobsCredit Risk Officer JobsCredit Risk Officer Jobs in California

Credit Risk Officer information

See California salary details

$75.5K

$133.1K

$207.7K

How much do credit risk officer jobs pay per year?

As of Sep 7, 2026, the average yearly pay for credit risk officer in California is $133,085.00, according to ZipRecruiter salary data. Most workers in this role earn between $107,600.00 and $152,000.00 per year, depending on experience, location, and employer.

What is a credit risk officer?

A Credit Risk Officer is responsible for assessing and managing the potential risks associated with lending and credit decisions. They analyze financial data, review credit applications, and develop risk mitigation strategies to minimize losses for their organization. Their role involves setting credit policies, monitoring portfolio performance, and ensuring compliance with regulatory requirements. By evaluating creditworthiness, they help financial institutions make informed lending decisions while maintaining a balanced risk-reward approach.

What are the main challenges a credit risk officer typically faces in their daily work?

Credit Risk Officers often encounter the challenge of balancing thorough risk analysis with the need for timely decision-making in a fast-paced environment. They must interpret complex financial data and market trends to make accurate credit assessments while complying with evolving regulatory requirements. Additionally, they may need to communicate difficult lending decisions to clients and collaborate closely with relationship managers and other departments. Successfully managing these challenges requires a combination of technical knowledge, sound judgment, and strong interpersonal skills, making the role both dynamic and rewarding.

What are the key skills and qualifications needed to thrive in the credit risk officer position, and why are they important?

To thrive as a Credit Risk Officer, you need a strong understanding of credit analysis, financial statement evaluation, and risk assessment, typically supported by a degree in finance, economics, or a related field. Familiarity with risk management software, financial modeling tools, and credit rating systems is crucial, and certifications such as FRM or CFA can be beneficial. Strong analytical thinking, attention to detail, and clear communication skills help you effectively assess creditworthiness and explain decisions to stakeholders. These skills are essential for identifying potential risk exposures and making informed lending decisions that protect the organization’s financial interests.

Is it hard to become a credit risk officer?

Becoming a credit risk officer typically requires a bachelor's degree in finance, accounting, or a related field, along with relevant experience in credit analysis or risk management. Strong analytical skills, knowledge of financial statements, and familiarity with risk assessment tools are important, and some roles may require professional certifications like CFA or FRM. The difficulty varies depending on the industry, company, and individual qualifications, but it generally involves gaining experience and developing specialized skills.

What are the most commonly searched types of Credit Risk Officer jobs in California?

The most popular types of Credit Risk Officer jobs in California are:

What are popular job titles related to Credit Risk Officer jobs in California?

For Credit Risk Officer jobs in California, the most frequently searched job titles are:

What job categories do people searching Credit Risk Officer jobs in California look for?

The top searched job categories for Credit Risk Officer jobs in California are:

What cities in California are hiring for Credit Risk Officer jobs?

Cities in California with the most Credit Risk Officer job openings:

What are popular job titles related to Credit Risk Officer jobs in CA?

For Credit Risk Officer jobs in CA, the most frequently searched job titles are:

Credit Risk Officer jobs near you
Infographic showing various Credit Risk Officer job openings in California as of August 2026, with employment types broken down into 1% As Needed, 87% Full Time, 10% Part Time, and 2% Contract. Highlights an 87% Physical, 4% Hybrid, and 9% Remote job distribution, with an average salary of $133,085 per year, or $64 per hour.

C&I Credit Risk Officer - Climate Focus

Amalgamated Bank of NY

San Francisco, CA • On-site

$180K - $200K/yr

Full-time

Re-posted 5 days ago

Job description

Purpose of Position:


Responsible for internally supporting the prudent extension of credit originated by the Bank’s Commercial Banking (“CB”) and Business Banking (“BB”) business units. The sectors of focus will include the following areas of climate / renewable energy project finance: commercial solar, battery energy storage (BESS), landfill gas treatment, wind, geothermal, etc.. Coordinate with relationship managers (“RMs”) in the CB and BB business units, as well as with the C&I Senior Credit Officer (“SCO”) and legal counsels. Additionally, in coordination with the business units, manage Criticized / Classified transactions until the loans are either upgraded, transferred to Special Assets or exited. Support robust, ongoing portfolio management efforts, with a primary focus on risk rating consistency and integrity. 


Essential Job Functions:

  1. Promote sustainable growth of the Climate Lending portfolios without incurring unnecessary credit risks. Participate in the internal transaction “pre-screening” process for potential lending opportunities, and provide timely feedback / recommendations on structure, sources of repayment and overall viability. 
  2. Review and provide feedback to the loan originators (RMs) during the preparation of Credit Approval Memos (“CAMs”); interface with the Portfolio Managers (“PMs”) on an ongoing basis after the loans have been approved by the requisite authority.
  3. Liaise with the SCO/CCRO to ensure all of CRM’s due diligence issues / concerns are fully addressed in the CAMs prior to final submission (i.e. Credit Committee or other decisioning authority). 
  4. As per authorities governed by the Bank’s Credit Policy, approve extensions of credit to new clients and modifications to existing client exposures.
  5. Identify, and communicate to executive management, negative developments and trends impacting individual credits, sectors or the overall portfolio.
  6. As necessary, prepare monthly periodic reviews of Criticized / Classified loans in the Bank’s portfolio.
  7. In conjunction with RMs and both external and in-house legal counsel, review and provide feedback on requests for waivers / amendments / extensions.
  8. Work closely with legal counsel and third-party consultants / advisors to ensure the Bank’s collateral is well protected.
  9. For both new lending opportunities and portfolio management issues, advise and make recommendations to SCO/CCRO. 
  10. As directed by SCO/CCRO, address requests of third-party reviewers / examiners.
  11. As required, complete quarterly analysis to determine specific loan loss reserves and assist SCO/CCRO with preparation of Individually Assessed Loan Control Memo.
  12. Perform other ad-hoc duties relevant to CRM, as directed.

Knowledge, Skills and Experience Requirements:

  1. Master’s degree or equivalent experience 
  2. 10+ years of relevant experience including former Credit Officer / Underwriter / Portfolio Manager positions; combination of large and small bank experience will be considered a plus
  3. At least 3+ years of lending experience across multiple climate / renewable sectors, including commercial solar, BESS, landfill gas treatment, wind, etc.
  4. Experience making presentations to senior management
  5. Understanding the key aspects of a sound credit approval process
  6. Demonstrated proficiency with Excel
  7. Knowledge of Microsoft Office suite
  8. Excellent financial analysis and problem-solving skills
  9. Demonstrated ability to collaborate with deal teams (RMs and PMs); challenge assumptions; identify potential risks and soundly structure a loan; fundamentally work towards a ‘yes’ yet knows when to say ‘no’. 
  10. Proven verbal, written, and interpersonal skills
  11. Formal bank credit training a plus
  12. In depth knowledge of, and experience with, regulatory guidelines, Modifications of distressed loans, and Current Expected Credit Loss (CECL) reserve methodology is considered a plus
  13. Experience managing a diverse portfolio of companies
  14. Prior experience handling Criticized / Classified loans, including negotiating terms and conditions of amendments and extension 
  15. Prior experience in performing due diligence on a variety of lending transactions


Our job titles may span more than one career level. The starting base salary for this role is between $180,000 – $200,000. The actual base pay is dependent upon many factors, such as: training, transferrable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future.

Amalgamated Bank is an Equal Opportunity and Affirmative Action Employer, Minorities / Females / Individuals with Disability / Veterans. AmeriCorps, Peace Corps and other national service alumni are encouraged to apply. View our Pay Transparency Statement. Submission of a resume or any information regarding your qualifications does not constitute a promise or offer of employment. At Amalgamated Bank, we consider an applicant to be someone who has interviewed at least once, in person, with the hiring manager. Amalgamated Bank does not sponsor applicants for work visas.