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How much do risk associate jobs pay per hour?

As of Sep 12, 2026, the average hourly pay for risk associate in California is $18.76, according to ZipRecruiter salary data. Most workers in this role earn between $14.95 and $19.90 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Risk Associate?

To thrive as a Risk Associate, you need strong analytical skills, attention to detail, and a background in finance, economics, or a related field—often supported by a relevant degree. Familiarity with risk assessment tools, financial modeling software, and sometimes certifications such as FRM (Financial Risk Manager) or CFA are highly valued. Excellent communication, problem-solving, and teamwork skills help you effectively identify, assess, and communicate risks across various business units. These skills ensure accurate risk evaluation, regulatory compliance, and proactive risk mitigation for organizational stability.

What are some common challenges faced by Risk Associates when working with cross-functional teams?

Risk Associates often collaborate with departments such as compliance, audit, and operations. One common challenge is aligning risk mitigation strategies with the differing priorities and perspectives of each team. Effective communication and adaptability are key, as Risk Associates must explain complex risk concepts in ways that are relevant to each stakeholder. Building strong relationships and fostering a shared understanding of risk helps ensure that policies are implemented consistently across the organization.

What is the difference between Risk Associate vs Credit Analyst?

AspectRisk AssociateCredit Analyst
Required CredentialsBachelor's degree, certifications like FRM or CRM beneficialBachelor's degree, finance or related certifications preferred
Work EnvironmentFinancial institutions, consulting firms, risk management teamsBanks, lending institutions, credit departments
Employer & Industry UsageUsed across banking, insurance, and investment firmsPrimarily in banking and lending sectors
Common Search & ComparisonOften compared for risk management rolesCompared for credit evaluation roles

The main difference between a Risk Associate and a Credit Analyst lies in their focus areas. Risk Associates primarily assess overall risk exposure and develop risk mitigation strategies, while Credit Analysts evaluate the creditworthiness of individual borrowers. Both roles require similar educational backgrounds and certifications, and they are commonly found in financial institutions. Understanding these distinctions helps job seekers identify the right career path within the finance industry.

Does risk associate pay well?

Risk associates typically earn a competitive salary that varies based on experience, education, and industry. Entry-level positions may start lower, but with experience and certifications like FRM or CFA, salaries can increase significantly, especially in finance, insurance, or consulting sectors.

How do you become a risk associate?

To become a risk associate, candidates typically need a bachelor's degree in finance, economics, or a related field. Gaining relevant experience through internships or entry-level roles and developing skills in data analysis, risk assessment, and familiarity with risk management tools are also important. Certifications like the Financial Risk Manager (FRM) can enhance prospects.

What do risk associates do?

Risk associates analyze and assess potential risks that could impact an organization’s operations, finances, or reputation. They identify vulnerabilities, develop risk mitigation strategies, and often use data analysis tools to monitor and report on risk levels, supporting informed decision-making.

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

The most popular types of Risk jobs in California are:

What are popular job titles related to Risk Associate jobs in California?

For Risk Associate jobs in California, the most frequently searched job titles are:

What job categories do people searching Risk Associate jobs in California look for?

The top searched job categories for Risk Associate jobs in California are:

What cities in California are hiring for Risk Associate jobs?

Cities in California with the most Risk Associate job openings:

Risk Associate jobs near you
Infographic showing various Risk Associate job openings in California as of August 2026, with employment types broken down into 75% Full Time, and 25% Part Time. Highlights an 87% In-person, and 13% Remote job distribution, with an average salary of $39,031 per year, or $18.8 per hour.

Risk Management - Credit Officer - Associate

Irvine, CA • On-site

JPMorgan Chase & Co
Finance and Insurance • 10K+ employees
Learn more about JPMorgan Chase & Coexternal

Full-time

Medical, Retirement

Re-posted 26 days ago

JPMorgan Chase & Co. rating

7.9

Company rating: 7.9 out of 10

Based on 500 frontline employees who took The Breakroom Quiz

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 Credit Officer Associate within the Credit Risk team, you will conduct essential credit analysis, perform due diligence, and review documentation for new commercial real estate transactions with an emphasis on multifamily lending. 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:

  • Implement all facets of credit analysis on commercial real estate and multifamily loans
  • Identify issues and concerns, evaluate results, and formulate effective recommendations in a timely manner
  • 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
  • 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
  • 2 years of experience in commercial real estate lending or 3 years of other banking or finance experience
  • Good understanding of multifamily real estate property valuations and cash flow analysis
  • Strong 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 processes to complete credit analysis and other assignments as needed
  • Familiarity with regional 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:

  • Experience as a loan underwriter in commercial real estate lending 
  • 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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