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Junior Credit Risk Analyst Jobs in California (NOW HIRING)

Axos Bank

Construction Risk Analyst

San Diego, CA

$25 - $30/hr

The role assists senior analysts and management in identifying early warning indicators and ... Understand the credit culture and risk tolerance as outlined by senior management and the Board ...

Axos Bank

Construction Risk Analyst

Los Angeles, CA

$25 - $30/hr

The role assists senior analysts and management in identifying early warning indicators and ... Understand the credit culture and risk tolerance as outlined by senior management and the Board ...

Axos Bank

Construction Risk Analyst

San Diego, CA · On-site

$25 - $30/hr

The role assists senior analysts and management in identifying early warning indicators and ... Understand the credit culture and risk tolerance as outlined by senior management and the Board ...

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Junior Credit Risk Analyst information

See California salary details

$15

$31

$52

How much do junior credit risk analyst jobs pay per hour?

As of Aug 11, 2026, the average hourly pay for junior credit risk analyst in California is $31.70, according to ZipRecruiter salary data. Most workers in this role earn between $22.79 and $34.86 per hour, depending on experience, location, and employer.

What are common responsibilities and projects for a junior credit risk analyst?

As a Junior Credit Risk Analyst, your daily tasks may involve gathering and analyzing financial data, preparing credit risk reports, and monitoring the performance of loan portfolios. You’ll typically assist senior analysts with evaluating new credit applications, performing industry research, and contributing to risk modeling initiatives. Collaboration with other teams, such as loan officers or underwriting, is frequent to ensure a complete understanding of client profiles and risk factors. This hands-on experience with varied projects helps build a strong foundation in financial risk assessment and opens up opportunities for advancement to more senior roles in credit or risk management.

What is a junior credit risk analyst?

A Junior Credit Risk Analyst is responsible for assessing the creditworthiness of individuals or businesses to minimize financial risk for a company. They analyze financial data, review credit reports, and assist in developing risk models. Their role supports senior analysts and risk managers in making informed lending decisions. Strong analytical skills, attention to detail, and knowledge of financial principles are essential for success in this position.

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

To excel as a Junior Credit Risk Analyst, you should possess strong analytical abilities, attention to detail, proficiency in financial analysis, and typically hold a degree in finance, economics, or a related field. Familiarity with risk assessment software, data visualization tools like Excel or Tableau, and knowledge of credit scoring systems are commonly required. Excellent communication skills, eagerness to learn, and effective teamwork set standout candidates apart. These skills are essential for accurately evaluating client risk, supporting informed lending decisions, and collaborating efficiently within a financial team.

What are the most commonly searched types of Credit Risk Analyst jobs in California? The most popular types of Credit Risk Analyst jobs in California are:
What are popular job titles related to Junior Credit Risk Analyst jobs in California? For Junior Credit Risk Analyst jobs in California, the most frequently searched job titles are:
What job categories do people searching Junior Credit Risk Analyst jobs in California look for? The top searched job categories for Junior Credit Risk Analyst jobs in California are:
What cities in California are hiring for Junior Credit Risk Analyst jobs? Cities in California with the most Junior Credit Risk Analyst job openings:
Junior Credit Risk Analyst jobs near you
Infographic showing various Junior Credit Risk Analyst job openings in California as of August 2026, with employment types broken down into 86% Full Time, and 14% Part Time. Highlights an 86% In-person, and 14% Hybrid job distribution, with an average salary of $65,928 per year, or $31.7 per hour.

Credit Risk Officer II, California

Fifth Third Bank

Los Angeles, CA • On-site

Full-time

Posted 22 days ago

Fifth Third Bank rating

7.5

Company rating: 7.5 out of 10

Based on 113 frontline employees who took The Breakroom Quiz

106th of 171 rated banks

Job description

Make banking a Fifth Third better®
We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.
GENERAL FUNCTION:
Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising independent judgement and providing constructive and credible challenge to credit risk recommendations, credit risk portfolio management and monitoring, approves credit exposure, providing feedback on proper structuring and pricing. Monitors ongoing credit administration and attends LOB pipeline meetings to ensure credit standards are followed across assigned business segment. Participant in customer calls as needed. Monitors credit quality through forward looking analysis as well as reviewing system-generated reports.
Responsible and accountable for credit risk management and constructive, credible challenge by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
ESSENTIAL DUTIES & RESPONSIBILITIES:
  • Approve or reject most complex loans within delegated authority and approved risk limits including where difficult questions of policy or credit risk may be involved.
  • With Line of Business (LOB) input, ensures that policies, including enterprise level policies, appropriately reflect the Bank's credit risk appetite and are approved and reviewed in an appropriate and timely manner.
  • Advise credit and loan personnel on the company's overall policy, noting significant forward looking trends and recommending policy changes if necessary.
  • Provide necessary forward looking review for ongoing maintenance of credit exposure as applicable.
  • Review and challenge credit approval packages for loans approved within the LOB's lending policies, limits, appetite, and delegated authorities.
  • In event of a limit breach, collaborates with the LOB to develop and execute action plans to return the relevant credit exposure to a level within credit risk appetite.
  • Responsible for providing effective, credible challenge on client selection, risk identification/mitigation, and adherence to risk appetite, policies, and underwriting standards.
  • Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities.
  • Review periodic Bancorp credit quality reports to assess assigned LOB's adherence to the Bank's credit risk appetite and business objectives.
  • Attend and provide effective, credible challenge to the LOB in various meetings including administrative loan meetings, portfolio review meetings, etc.
  • Provide information, analysis, and credit risk and portfolio recommendations to the Senior Credit Officer.
  • Represent Bancorp in high-level customer interaction as well as community affairs.
  • Adjudicate requests to change regulatory classifications both for upgrades and downgrades.
  • Responsible for oversight and challenge to the LOB regarding the timeliness of transfers to the Special Assets Group.
  • Accountable for the following as it relates to a portfolio review:
    • Using both internal and external data to identify portfolio trends such as increasing concentration risks, increasing industry risks, increasing material underwriting exceptions and emerging risks.
    • Determining a Direction of Risk (DOR) and Level of Risk (LOR) for the portfolio, together with actions that should be taken to reduce risk or strengthen risk management ensuring that, amongst other things, lessons learned are identified and operationalized where appropriate.

SUPERVISORY RESPONSIBILITIES: May supervise others. Responsible for providing employees timely, candid and constructive performance feedback; developing employees to their fullest potential and provide challenging opportunities that enhance employee career growth; developing the appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments.
MINIMUM KNOWLEDGE, SKILLS & ABILITIES REQUIRED:
  • Bachelor's Degree in Finance, Business Administration, or Accounting. Master's Degree preferred.
  • Ten+ years of related credit experience.
  • Financial and credit analysis including portfolio management.
  • Knowledge of the banking industry, relevant banking regulation, commercial banking, capital markets, and treasury management products and the associated risks.
  • Proficient in basic spreadsheet applications such as Excel, Word, etc.
  • Demonstrated ability to learn and understand various computer systems.
  • Excellent communications and organizational skills.
  • Excellent people/relationship building skills.

WORKING CONDITIONS:
  • Normal office environment with little exposure to dust, noise, temperature and the like.
  • Extended time at desk, viewing computer screens.
Credit Risk Officer II, California
Total Base Pay Range 121,900.00 - 262,100.00 USD Annual
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.
LOCATION -- Los Angeles, California 90067
Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes - no matter how they are submitted - will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

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About Fifth Third Bank

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Fifth Third Bank, National Association established in 1858, is a diversified financial services company headquartered in Cincinnati, Ohio. Fifth Third is among the largest money managers in the Midwest. It operates four main businesses: Commercial Banking, Branch Banking, Consumer Lending, and Wealth & Asset Management.

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

Cincinnati, OH, US

Year founded

1858

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