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Credit Risk Reviewer Jobs in California (NOW HIRING)

East West Bank

Credit Reviewer II

San Francisco, CA · On-site

$120K/yr

Conduct file reviews to assess the adequacy and effectiveness of the Bank's direct lending credit risk management policies and processes (e.g., loan classification, loan risk grading, identification ...

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Credit Risk Reviewer information

What does a Credit Risk Reviewer do?

A Credit Risk Reviewer is responsible for assessing and evaluating the credit risk associated with lending decisions at financial institutions. They analyze loan portfolios, review credit policies, and ensure compliance with internal and regulatory standards. By identifying potential risks and weaknesses in lending practices, they help organizations minimize losses and maintain healthy credit quality. Their work often involves preparing detailed reports and recommending improvements to credit processes and controls.

How does a Credit Risk Reviewer typically collaborate with other departments to ensure accurate risk assessments?

Credit Risk Reviewers work closely with teams such as loan origination, underwriting, and compliance to gather comprehensive information about borrowers and lending practices. They often participate in cross-departmental meetings to discuss findings, identify trends in credit quality, and recommend improvements to credit policies. Effective collaboration ensures that risk assessments are thorough and align with regulatory standards, ultimately helping the organization make informed lending decisions. This collaborative environment also provides opportunities to learn from other specialties and expand one's expertise within the financial institution.

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

To thrive as a Credit Risk Reviewer, you need a strong background in finance, accounting, and risk assessment, typically supported by a bachelor’s degree in a related field. Familiarity with credit analysis tools, risk rating systems, and regulatory compliance frameworks such as Basel II/III is important, as well as proficiency in Excel and financial modeling software. Attention to detail, analytical thinking, and effective communication are crucial soft skills for evaluating creditworthiness and presenting findings. These skills ensure accurate risk assessments, regulatory adherence, and sound decision-making to protect an organization’s financial health.

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

AspectCredit Risk ReviewerCredit Analyst
Required CredentialsBachelor's degree, certifications like CFA or credit-specific trainingBachelor's degree, often similar certifications or coursework in finance or economics
Work EnvironmentReviewing credit files, assessing risk, and ensuring complianceAnalyzing financial data, preparing credit reports, and making lending recommendations
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending institutions, corporate finance departments

Both roles involve assessing creditworthiness, but Credit Risk Reviewers focus on evaluating existing credit files for risk and compliance, while Credit Analysts analyze financial data to recommend new credit approvals. They often work together within financial institutions to manage credit portfolios effectively.

What are popular job titles related to Credit Risk Reviewer jobs in California? For Credit Risk Reviewer jobs in California, the most frequently searched job titles are:
What job categories do people searching Credit Risk Reviewer jobs in California look for? The top searched job categories for Credit Risk Reviewer jobs in California are:
What cities in California are hiring for Credit Risk Reviewer jobs? Cities in California with the most Credit Risk Reviewer job openings:
Credit Risk Reviewer jobs near you
Infographic showing various Credit Risk Reviewer job openings in California as of June 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution.
Credit Reviewer II

Credit Reviewer II

East West Bank

San Francisco, CA • On-site

$120K/yr

Full-time

Posted 17 days ago

Job description

Introduction
Since 1973, East West Bank has served as a pathway to success. With over 110 locations across the U.S. and Asia, we are the premier financial bridge between the East and West. Our teams of experienced, multi-cultural professionals help guide businesses and community members on both sides of the Pacific looking to explore new markets and create new opportunities, and our sustained growth and expertise in industries like real estate, entertainment and media, private equity and venture capital, and high-tech help build sustainable businesses and expand our associates' potential for career advancement.
Headquartered in California, East West Bank (Nasdaq: EWBC) is a top-performing commercial bank with a strong foundation, an enterprising spirit and a commitment to absolute integrity. East West Bank gives people the confidence to reach further.
Responsibilities
  • Line sheet preparation to complete loan review plan.
  • Conduct file reviews to assess the adequacy and effectiveness of the Bank's direct lending credit risk management policies and processes (e.g., loan classification, loan risk grading, identification of potential credit weaknesses, etc.).
  • Attempt to obtain all possible evidence through loan files, Relationship Managers, and management prior to determining risk rating differences; explain IAR's position in a factual, non-judgmental, and unbiased manner.
  • Ensure that the results of the reviews are adequately documented and the conclusions reached are sufficiently supported.
  • Work papers should be complete and self-explanatory to an equally-qualified credit reviewer.
  • Must identify and describe weaknesses noted during reviews including, but not limited to, underwriting, monitoring, collateral and documentation in order to provide support for decisions to upgrade or downgrade loans during the review, and render a conclusion on the portfolio examined, as well as make recommendations for the improvement of the underwriting and credit administration processes.
  • Must have sound judgment in assessing potential findings for significance.
  • Perform continuous monitoring, testing or validation of portfolio, as assigned.
  • Perform other duties as assigned.

Qualifications
  • 5+ years of banking with experience in commercial credit analysis/underwriting, portfolio management and/or relationship manager and loan work-out.
  • Experience with different types of complex commercial credits and some experience in loan review.
  • Must be knowledgeable of the Bank's lending policies and IAR policies and procedures.
  • Be aware of applicable federal and state banking regulations.
  • Must be aware of all new loan products, applicable policies and procedures of the Bank related to credit and underwriting.
  • Must understand that the impact of regulatory, economic and industry developments may significantly affect the risk profile of the Bank's credit portfolio.
  • Must have an understanding of credit principles and strong analytical skills in, including but not limited to, operating cash flows, borrower cash flows, loan documents and collateral protection based on the review of documents.

Applicants must have legal authorization to work in the United States. We do not offer visa sponsorship at this time.
Compensation
The base pay range for this position is USD $120,000.00/Yr. - USD $165,000.00/Yr. Exact offers will be determined based on job-related knowledge, skills, experience, and location.

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