ZipRecruiter

Log In

1

Credit Risk Jobs in California (NOW HIRING)

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

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 ...

Calpine

Credit Risk Analyst

San Diego, CA

$70K - $88K/yr

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 ...

EverBank

Credit Risk Review Associate

Irvine, CA · On-site

Credit Risk Review Associate The Credit Risk Review Associate supports the Commercial Loan Review function by primarily performing loan level credit risk reviews on loans/leases within various ...

New

Block

Senior Credit Risk Analyst

Bodega Bay, CA · On-site

The Role We're seeking a Senior Credit Risk Analyst to join our Enterprise Risk Management team. This role sits at the intersection of credit risk analytics, data science, and strategic risk ...

Guild

VP, Credit Risk

San Diego, CA · On-site +1

The VP of Credit Risk ensures that the company's lending practices and policies are sound and compliant with Guild's risk objectives and Secondary Markets guidelines and eligibility. This role also ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site +1

VP, Credit Risk Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home ...

Guild

VP, Credit Risk

San Diego, CA · On-site

$177K - $242K/yr

The VP of Credit Risk ensures that the company's lending practices and policies are sound and compliant with Guild's risk objectives and Secondary Markets guidelines and eligibility. This role also ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site +1

The VP of Credit Risk ensures that the company's lending practices and policies are sound and compliant with Guild's risk objectives and Secondary Markets guidelines and eligibility. This role also ...

Valley Bank

Credit Risk Manager

Los Angeles, CA · On-site

Ensures credits are accurately risk rated and are properly monitored and reported. * Prepares all required quarterly reports and analysis including Criticized Loan Monitoring Reports as well as other ...

Uber

B2B Credit Risk Manager

San Francisco, CA · On-site +1

As a B2B Credit Risk Manager, you will lead initiatives across Credit Risk Management, Process Improvement & AI Automation, Cross Functional Initiatives. This work directly impacts cash flow ...

Conventus

Credit Risk Data Analyst

Westlake Village, CA · On-site

$84K - $103K/yr

Job Title: Credit Risk Data Analyst Location: CA - Westlake Village What you'll do: As a Credit Risk Data Analyst, you'll be responsible for researching, collecting, and analyzing data in ...

SoFi

Credit Strategy - Risk Lead

San Francisco, CA

SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies ...

next page

Showing results 1-20

People also search for

All JobsCredit Risk JobsCredit Risk Jobs in California

Credit Risk information

See California salary details

$49.3K

$107.9K

$180.6K

How much do credit risk jobs pay per year?

As of Jun 7, 2026, the average yearly pay for credit risk in California is $107,883.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,000.00 and $140,100.00 per year, depending on experience, location, and employer.

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

To thrive as a Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial statements, and a background in finance, economics, or a related field, often supported by a relevant degree or certification (such as FRM or CFA). Familiarity with risk assessment tools, financial modeling software, and credit rating systems is typically required. Attention to detail, critical thinking, and effective communication are essential soft skills for interpreting data and presenting risk assessments to stakeholders. These skills and qualities are crucial for making informed decisions that minimize financial losses and ensure sound lending practices.

What is the difference between Credit Risk vs Credit Analyst?

AspectCredit RiskCredit Analyst
Primary FocusAssessing the likelihood of borrower default to manage overall credit riskAnalyzing credit data to determine creditworthiness of individual applicants
Work EnvironmentRisk management teams, financial institutions, credit departmentsBanking, lending institutions, financial services
Required CredentialsOften requires risk management certifications, finance degreesFinance or accounting degrees, certifications like CFA or credit-specific courses

While both roles involve understanding credit, Credit Risk focuses on managing the overall risk exposure of an organization, whereas a Credit Analyst evaluates individual credit applications to determine approval. Both roles are essential in the lending process but differ in scope and responsibilities.

What is credit risk and what does a credit risk professional do?

Credit risk refers to the possibility that a borrower or counterparty will fail to meet their financial obligations, such as repaying a loan or making payments on time. Credit risk professionals analyze financial data, assess the creditworthiness of individuals or companies, and help set lending policies to minimize potential losses for banks or financial institutions. They use various models and tools to evaluate risk, monitor existing loans, and recommend strategies to mitigate exposure. Their work is essential for maintaining the financial health and stability of lending organizations.

What are some typical challenges faced by professionals in credit risk roles, and how can they be addressed?

Credit risk professionals often encounter challenges such as assessing the creditworthiness of new and existing clients, keeping up with rapidly changing market conditions, and managing large volumes of data to make informed decisions. To address these, it's important to stay updated on industry trends, develop strong analytical and communication skills, and leverage advanced risk assessment tools. Collaborating closely with colleagues in underwriting, sales, and compliance teams also helps ensure well-rounded risk evaluations and consistent application of policies.
What are the most commonly searched types of Credit Risk jobs in California? The most popular types of Credit Risk jobs in California are:
What are popular job titles related to Credit Risk jobs in California? For Credit Risk jobs in California, the most frequently searched job titles are:
What job categories do people searching Credit Risk jobs in California look for? The top searched job categories for Credit Risk jobs in California are:
What cities in California are hiring for Credit Risk jobs? Cities in California with the most Credit Risk job openings:
Credit Risk jobs near you
Infographic showing various Credit Risk job openings in California as of May 2026, with employment types broken down into 87% Full Time, 11% Part Time, and 2% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $107,883 per year, or $51.9 per hour.
Credit Risk Analyst

Credit Risk Analyst

Calpine

San Diego, CA • On-site

$70K - $88K/yr

Full-time

Posted 7 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.

Apply