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Credit Risk Specialist Jobs in California (NOW HIRING)

Vets Hired

Credit & Collection Specialist

Cypress, CA

$23 - $30.75/hr

Job Summary The Credit & Collection Specialist is responsible for managing the full accounts receivable and commercial collections process, including credit evaluations, risk assessment, customer ...

Revelyst

Sr Credit & Collections Specialist

Irvine, CA · On-site

$30 - $36.50/hr

The Senior Credit & Collections Specialist will be a key member of the Credit department ... Proven understanding of credit risk assessment, collections strategies, customer account ...

Revelyst

Sr Credit & Collections Specialist

Irvine, CA · On-site

$30 - $36.50/hr

The Senior Credit & Collections Specialist will be a key member of the Credit department ... Proven understanding of credit risk assessment, collections strategies, customer account ...

Flagstar Bank

Credit Products Analyst I

Beverly Hills, CA · On-site

$47K - $79K/yr

... risk and lending. This position supports Credit Products Specialists in underwriting and monitoring commercial loans across various business segments within Commercial & Private Banking. The Analyst ...

Flagstar Bank

Credit Products Analyst I

Newport Beach, CA · On-site

$47K - $79K/yr

... risk and lending. This position supports Credit Products Specialists in underwriting and monitoring commercial loans across various business segments within Commercial & Private Banking. The Analyst ...

TriSearch

Assistant Credit Manager

Los Angeles, CA · Hybrid

$68K - $113K/yr

Credit Risk Assessment: Evaluate customer financial statements, payment histories, trade references ... specialists and analysts. * Audit & Compliance: Support annual external financial audits by ...

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All JobsCredit Risk Specialist JobsCredit Risk Specialist Jobs in California

Credit Risk Specialist information

See California salary details

$41.5K

$122.4K

$188K

How much do credit risk specialist jobs pay per year?

As of Aug 19, 2026, the average yearly pay for credit risk specialist in California is $122,382.00, according to ZipRecruiter salary data. Most workers in this role earn between $101,700.00 and $135,700.00 per year, depending on experience, location, and employer.

What are some common challenges faced by a credit risk specialist when assessing new clients or portfolios?

Credit Risk Specialists often encounter challenges such as incomplete or inconsistent financial information, rapidly changing market conditions, and the need to balance risk with business growth objectives. They must use a combination of quantitative analysis and professional judgment to evaluate creditworthiness, often under tight deadlines. Collaboration with sales, relationship managers, and legal teams is essential to gather all necessary data and ensure compliance with internal risk policies.

What are the key skills and qualifications needed to thrive as a credit risk specialist, and why are they important?

To thrive as a Credit Risk Specialist, you need a solid background in finance, accounting, and risk analysis, often supported by a bachelor’s degree in finance or a related field. Proficiency with financial modeling tools, risk assessment software, and familiarity with regulatory frameworks such as Basel accords are typically required. Strong analytical thinking, attention to detail, and effective communication skills help distinguish top performers in this field. These competencies are vital for accurately evaluating creditworthiness, managing risk exposure, and supporting sound lending decisions within financial institutions.

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

AspectCredit Risk SpecialistCredit Analyst
Required CredentialsBachelor's degree, certifications like CFA or credit risk certificationsBachelor's degree, often similar certifications
Work EnvironmentFinancial institutions, banks, credit agenciesBanks, lending companies, financial services
Employer & Industry UsageFocuses on assessing and managing credit riskFocuses on evaluating creditworthiness of borrowers

Both roles involve analyzing financial data and assessing creditworthiness, but Credit Risk Specialists primarily focus on managing and mitigating overall credit risk for institutions, while Credit Analysts evaluate individual credit applications. They often work together but serve different strategic functions within financial organizations.

What does a credit risk specialist do?

A credit risk specialist evaluates the creditworthiness of individuals or businesses to determine the likelihood of default on loans or credit agreements. They analyze financial data, review credit reports, and use risk assessment tools to help financial institutions make informed lending decisions and manage potential losses.

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

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

Credit Risk Specialist jobs near you
Infographic showing various Credit Risk Specialist job openings in California as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $122,382 per year, or $58.8 per hour.

Credit & Risk Specialist - Revenue Ops

Jobtailor

San Francisco, CA • On-site

$90 - $130/hr

Other

Posted yesterday

New

Job description

  • Assess advertiser and agency creditworthiness using financial information, payment history, credit agency data, and internal risk tools
  • Set, maintain, and adjust credit limits and payment terms within defined approval matrices
  • Review and decision credit holds on insertion orders / PinOrders
  • Partner with Collections to resolve past-due balances
  • Help prepare quarterly AR reserve analyses and support SOX-relevant controls
  • Manage a queue of cases in Salesforce and other internal tools
  • Collaborate with Sales, RevOps, and Accounting to explain credit decisions
  • Identify and help drive process and tooling improvements
  • Leverage data analysis to uncover strategic insights
Requirements
  • 2+ years of experience in B2B risk, credit, corporate lending, banking, or order-to-cash / AR roles
  • Bachelor’s degree in a relevant field such as Business Administration, or equivalent experience
  • Working knowledge of credit analysis (financial statements, capital markets, payment behavior, qualitative risk factors)
  • Experience with ERP and CRM or case-management tools (e.g., Oracle, SAP, Salesforce)
  • Familiarity with order-to-cash processes (order booking, billing, collections, cash application, AR reserves)
  • Strong analytical judgment and attention to detail
  • Ability to manage multiple requests at once, prioritize effectively, and consistently meet turnaround times
  • SQL experience preferred; ability to query, analyze, and interpret data via tools like Hive and Snowflake
Core Competencies

Demonstrates expertise in credit analysis, risk assessment, and financial evaluation, with a strong focus on B2B environments. Proficient in leveraging data analysis and internal tools to drive process improvements and support financial controls.

Highest-signal resume keywords
  • Credit Analysis
  • B2B Risk Management
  • Salesforce Management
  • SQL Data Analysis
  • Order-to-Cash Processes
ATS Optimization KeywordsHard Skills
  • Credit Analysis
  • Financial Statements
  • Data Analysis
  • SQL
  • Payment Behavior
  • Qualitative Risk Factors
  • AR Reserve Analysis
  • Creditworthiness Assessment
  • Capital Markets
  • Payment History
Soft Skills
  • Analytical Judgment
  • Attention to Detail
  • Prioritization
  • Time Management
Industry Keywords
  • B2B
  • Corporate Lending
  • Banking
  • Order-to-Cash
  • Collections
Tools & Technologies
  • Salesforce
  • Oracle
  • SAP
  • Hive
  • Snowflake
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