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Junior Credit Risk Analyst Jobs in Foothill Ranch, CA

Sunflower Bank NA

Model Risk Analyst

Irvine, CA · On-site

$85K - $95K/yr

The Analyst will be responsible for supporting the bank-wide Model Risk Management (MRM) program ... This role ensures that models-used for credit risk, liquidity risk, market risk, capital planning ...

Sunflower Bank NA

Model Risk Analyst

Irvine, CA · Hybrid

$85K - $95K/yr

The Analyst will be responsible for supporting the bank-wide Model Risk Management (MRM) program ... This role ensures that models-used for credit risk, liquidity risk, market risk, capital planning ...

Sunflower Bank, N.A.

Model Risk Analyst

Irvine, CA · On-site

$85K - $95K/yr

The Analyst will be responsible for supporting the bank-wide Model Risk Management (MRM) program ... This role ensures that models--used for credit risk, liquidity risk, market risk, capital planning ...

Hyundai Capital

Risk Analytics Manager

Irvine, CA · On-site

In addition, this role will investigate, collect, and analyze auto industry and economic information and data impacting credit risk, including but not limited to, information regarding economic ...

Hyundai Capital

Risk Analytics Manager

Irvine, CA · On-site

$100K - $155K/yr

In addition, this role will investigate, collect, and analyze auto industry and economic information and data impacting credit risk, including but not limited to, information regarding economic ...

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Junior Credit Risk Analyst information

See Foothill Ranch, CA salary details

$15

$33

$55

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

As of Jul 27, 2026, the average hourly pay for junior credit risk analyst in Foothill Ranch, CA is $33.18, according to ZipRecruiter salary data. Most workers in this role earn between $23.85 and $36.49 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 job?

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 cities near Foothill Ranch, CA are hiring for Junior Credit Risk Analyst jobs? Cities near Foothill Ranch, CA with the most Junior Credit Risk Analyst job openings:
Junior Credit Risk Analyst jobs near you
Risk Management - Lead Credit Officer - Vice President

Risk Management - Lead Credit Officer - Vice President

JPMorgan Chase & Co

Irvine, CA • On-site

Full-time

Medical, Retirement

Posted 7 days ago

JPMorgan Chase & Co. rating

8.0

Company rating: 8.0 out of 10

Based on 492 frontline employees who took The Breakroom Quiz

71st of 170 rated banks

Job description

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. 

As a Lead Credit Officer within the Credit Risk team, you will evaluate and identify risks and interpret data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1 million to $25 million+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. 

Job Responsibilities: 

Oversee all aspects of credit analysis on loans secured by multifamily and other types of commercial real estate 

Evaluate and manage risks in complex transactions 

Mentor for more junior Credit Analysts and Credit Officers 

Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal 

Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities 

Apply data analysis techniques to interpret results and provide insights and recommendations to management 

Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools 

Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge 

 

Required qualifications, capabilities, and skills: 

Bachelor's degree in a business or finance concentration 

7 years of experience in commercial real estate lending, credit analysis, or loan workouts 

Thorough understanding of multifamily real estate property valuations and cash flow analysis 

Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements 

Ability to manage competing priorities effectively in a collaborative, high-volume environment while maintaining attention to detail 

Excellent verbal and written communication and problem-solving skills 

Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed 

Familiarity with regional commercial real estate markets and municipal regulations 

Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems 

Preferred qualifications, capabilities, and skills: 

Advanced degree in a related field or real estate coursework 

Experience as a loan underwriter in commercial real estate or agency lending (e.g Fannie Mae or Freddie Mac) 

Experience with proprietary credit risk management tools 

 Experience with large language model tools

FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. 

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world. 

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