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Entry Level Credit Analyst Jobs in California (NOW HIRING)

West Coast Community Bank

Credit Analyst

Santa Cruz, CA · On-site

$27 - $30/hr

This is an entry level commercial lending position for an individual with a college degree in ... The Credit Analyst is expected to progress to the Credit Analyst II position within 1-2 years.

Santa Cruz County Bank

Credit Analyst

Santa Cruz, CA · On-site

$27 - $30/hr

This is an entry level commercial lending position for an individual with a college degree in ... The Credit Analyst is expected to progress to the Credit Analyst II position within 1-2 years.

Socket.dev

Credit Analyst

Santa Cruz, CA · On-site

$60 - $80/hr

This is an entry level commercial lending position for an individual with a college degree in ... The Credit Analyst is expected to progress to the Credit Analyst II position within 1-2 years.

New

West Coast Community Bank

Credit Analyst

Santa Cruz, CA · On-site

$27 - $30/hr

This is an entry level commercial lending position for an individual with a college degree in ... The Credit Analyst is expected to progress to the Credit Analyst II position within 1-2 years.

City National Bank

Credit Analyst I

Irvine, CA · On-site

$25.93 - $41.43/hr

The Credit Analyst is an entry-level position responsible for supporting credit analysis and portfolio management activities. This role involves assisting with credit underwriting and portfolio ...

Western Alliance Bank

Senior Credit Analyst

Costa Mesa, CA · On-site

$36.74 - $45.38/hr

Senior Credit Analyst Location: Austin, TX What you'll do: As a Senior Credit Analyst you'll be ... Bachelor's degree or equivalent experience required. * Entry level to intermediate knowledge of ...

Flagstar Bank

Credit Products Analyst I

Beverly Hills, CA · On-site

$47K - $79K/yr

Position Title Credit Products Analyst I Location Beverly Hills, CA 90212 Job Summary The Commercial Credit Analyst I is an entry-level role designed to develop foundational experience in commercial ...

Flagstar Bank

Credit Products Analyst I

Newport Beach, CA · On-site

$47K - $79K/yr

Position Title Credit Products Analyst I Location Beverly Hills, CA 90212 Job Summary The Commercial Credit Analyst I is an entry-level role designed to develop foundational experience in commercial ...

Cesna Group

Loan Officer

Los Angeles, CA · On-site

$50K - $100K/yr

Minimum 2 years of experience in loan processing, credit analysis, or a related banking * field preferred; entry-level candidates may also be considered. * -Language Skills: Bilingual proficiency in ...

Axos Bank

Construction Risk Analyst

San Diego, CA

$25 - $30/hr

... credit * Internship or entry-level experience in banking, real estate finance, or construction management preferred * Exposure to construction draw management, inspection reports, or real estate ...

Axos Bank

Construction Risk Analyst

Los Angeles, CA

$25 - $30/hr

... credit * Internship or entry-level experience in banking, real estate finance, or construction management preferred * Exposure to construction draw management, inspection reports, or real estate ...

Axos Bank

Construction Risk Analyst

San Diego, CA · On-site

$25 - $30/hr

... credit * Internship or entry-level experience in banking, real estate finance, or construction management preferred * Exposure to construction draw management, inspection reports, or real estate ...

Corelation Inc

Accounting Analyst

San Diego, CA · Hybrid

$61K - $72K/yr

What We Are Looking For: Entry level in the Accounting Services department. The Accounting Analyst is responsible for training client accounting staff on KeyStone functionality, supporting credit ...

Corelation, Inc.

Accounting Analyst

San Diego, CA · On-site

$61K - $72K/yr

What We Are Looking For: Entry level in the Accounting Services department. The Accounting Analyst is responsible for training client accounting staff on KeyStone functionality, supporting credit ...

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All JobsCredit Analyst JobsEntry Level Credit Analyst JobsEntry Level Credit Analyst Jobs in California

Entry Level Credit Analyst information

See California salary details

$14

$29

$48

How much do entry level credit analyst jobs pay per hour?

As of Sep 3, 2026, the average hourly pay for entry level credit analyst in California is $29.53, according to ZipRecruiter salary data. Most workers in this role earn between $22.79 and $33.22 per hour, depending on experience, location, and employer.

What does an entry level credit analyst do?

An Entry Level Credit Analyst is responsible for evaluating the creditworthiness of individuals or companies by analyzing financial data and credit reports. They help determine the risk involved in lending money or extending credit and may assist in setting credit limits or recommending loan approvals. Their role often involves preparing financial spreadsheets, reviewing credit applications, and supporting senior analysts in making informed decisions. This position is a great starting point for those interested in finance or banking, offering valuable experience in risk assessment and financial analysis.

What are the key skills and qualifications needed to thrive as an entry level credit analyst?

To thrive as an Entry Level Credit Analyst, you need strong analytical abilities, a solid understanding of financial statements, and typically a bachelor's degree in finance, accounting, or a related field. Familiarity with financial modeling tools, Microsoft Excel, and credit analysis software is often required. Attention to detail, effective communication, and problem-solving skills are essential soft skills in this role. These competencies ensure accurate risk assessments, clear reporting, and effective decision-making in evaluating creditworthiness.

What are some common challenges faced by entry level credit analysts in their first year, and how can they overcome them?

Entry level credit analysts often encounter challenges such as adapting to complex financial analysis tools, understanding industry-specific credit risk factors, and managing a high volume of loan applications under tight deadlines. To overcome these obstacles, it's helpful to seek mentorship from experienced colleagues, proactively participate in training sessions, and regularly review credit policies and case studies. Collaboration with senior analysts and open communication with team members can also accelerate learning and ensure accurate credit assessments.

What is the difference between Entry Level Credit Analyst vs Credit Underwriter?

AspectEntry Level Credit AnalystCredit Underwriter
Required CredentialsBachelor's degree in finance, accounting, or related field; basic knowledge of credit analysisBachelor's degree; often additional certifications like CFA or credit-specific training
Work EnvironmentOffice setting, analyzing financial data, preparing reportsOffice setting, assessing credit applications, making approval decisions
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending companies, financial services
Common Search & Comparison IntentUnderstanding entry-level roles in credit analysisComparing roles involved in credit approval process

Entry Level Credit Analysts typically focus on analyzing financial data and preparing reports to support credit decisions, often with less responsibility than Credit Underwriters, who evaluate and approve credit applications. Both roles require similar educational backgrounds and are common in financial institutions, but Credit Underwriters usually have more decision-making authority and specialized training.

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

The most popular types of Credit Analyst jobs in California are:

What are popular job titles related to Entry Level Credit Analyst jobs in California?

For Entry Level Credit Analyst jobs in California, the most frequently searched job titles are:

What job categories do people searching Entry Level Credit Analyst jobs in California look for?

The top searched job categories for Entry Level Credit Analyst jobs in California are:

What cities in California are hiring for Entry Level Credit Analyst jobs?

Cities in California with the most Entry Level Credit Analyst job openings:

Entry Level Credit Analyst jobs near you
Infographic showing various Entry Level Credit Analyst job openings in California as of August 2026, with employment types broken down into 1% Internship, 82% Full Time, and 17% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $61,428 per year, or $29.5 per hour.

Credit Analyst

West Coast Community Bank

Santa Cruz, CA • On-site

$27 - $30/hr

Full-time

Posted 7 days ago

Job description

Description

West Coast Community Bank is a top-rated community bank with a focus on serving the banking needs of businesses and individuals along the Central Coast, in Silicon Valley and throughout the Bay Area.


Delivery of relationship-based service with a solutions-driven focus sets us apart from the competition. We offer direct access to decision-makers combined with modern banking technologies and digital tools. The Bank is a leading SBA lender in Santa Cruz County and Silicon Valley and a top USDA lender in the state of California.


Since opening in 2004, we have proudly upheld our commitment to support regional well-being by actively participating in and donating to local nonprofit organizations. We engage in impactful volunteerism and support the greater economic vitality within our four-county reach, contributing more than 2,000 hours of volunteering annually.


Position Overview

This position is onsite at our Santa Cruz location.

The Credit Analyst spreads financial statements, analyzes loan requests, and prepares credit approval forms for the Bank's commercial loan requests. Financial analysis includes ratio and trend analysis as well as the creation of projections and detailed analysis of cash flows. This is an entry level commercial lending position for an individual with a college degree in business administration or economics, and/or prior banking experience. The position will include training in accounting, finance, and regulatory compliance, in addition to bank-specific products and policies. The Credit Analyst is expected to progress to the Credit Analyst II position within 1-2 years. Typical career paths following Credit Analyst II would be to become a Senior Credit Analyst, Relationship Manager, or Credit Analytics Manager. 


Essential Job Functions

  • Spreading financial statements, performing cash flow analysis, reviewing collateral, and underwriting commercial loan requests.
  • Preparing credit approval requests and submitting them for approval by executives and loan committees.
  • Attending training courses and enhancing knowledge of credit and lending topics.
  • Engaging in training on writing, presentation skills, treasury management, and compliance.
  • Working closely with commercial lenders to ensure accurate and up-to-date credit files.
  • Discussing perceived credit weaknesses or potential credit problems with the Underwriting Manager or other lending managers.
  • Reviewing credit requests for conformance to regulatory guidelines and Bank policies.
  • Assessing collateral and other sources of repayment, as well as borrower credit history and management ability.
  • Participating in loan committees on a rotational basis.
  • Performing general clerical duties, including filing, copying, data entry, and scanning.
  • Performing additional duties as assigned that are consistent with the business needs of the Bank and the scope, responsibilities, and level of the role.


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