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Senior Commercial Credit Analyst Jobs in Riverside, CA

Chino Commercial Bank

Commercial Credit Analyst

Chino, CA · On-site

$22 - $27/hr

We are currently looking to fill several Commercial Credit Analyst positions. We are looking for individuals who are passionate, driven, collaborative, and solutions oriented. We are dedicated in ...

Chino Commercial Bank

Commercial Credit Analyst

Chino, CA · On-site

$22 - $27/hr

We are currently looking to fill several Commercial Credit Analyst positions. We are looking for individuals who are passionate, driven, collaborative, and solutions oriented. We are dedicated in ...

Preferred Bank

Credit Analyst

Irvine, CA · On-site

$43K - $60K/yr

... the underwriting commercial real estate loans. The role will review borrower and guarantor ... Board loans by communicating findings and updates to relationship managers and senior credit ...

City National Bank

Credit Analyst I

Irvine, CA · On-site

$25.93 - $41.43/hr

CREDIT ANALYST I-Commercial Real Estate WHAT IS THE OPPORTUNITY? The Credit Analyst is an entry-level position responsible for supporting credit analysis and portfolio management activities. This ...

Zionsbank Corp

Credit Analyst - Irvine, CA

Irvine, CA · On-site

$72K - $89K/yr

... Commercial Bank" from the readers of San Diego Union-Tribune and Orange County Register ... We are looking for a Credit Analyst to provide top notch customer service to our clients and ...

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All JobsCommercial Credit Analyst JobsSenior Commercial Credit Analyst JobsSenior Commercial Credit Analyst Jobs in Riverside, CA

Senior Commercial Credit Analyst information

See Riverside, CA salary details

$51.6K

$98.4K

$181.5K

How much do senior commercial credit analyst jobs pay per year?

As of Sep 6, 2026, the average yearly pay for senior commercial credit analyst in Riverside, CA is $98,368.00, according to ZipRecruiter salary data. Most workers in this role earn between $72,000.00 and $104,300.00 per year, depending on experience, location, and employer.

What is a senior commercial credit analyst?

Senior Commercial Credit Analysts are finance professionals responsible for evaluating the creditworthiness of businesses seeking loans or credit from financial institutions. They analyze financial statements, assess risks, and make recommendations on whether to approve or decline credit applications. In their senior role, they may also oversee junior analysts, help develop credit policies, and interact directly with clients to gather necessary information. Their expertise ensures that lending decisions minimize risk for the institution while supporting business growth.

What skills and qualifications are needed to be a senior commercial credit analyst?

To thrive as a Senior Commercial Credit Analyst, you need strong analytical skills, financial modeling expertise, and a background in finance or accounting—typically supported by a bachelor’s degree and several years of relevant experience. Familiarity with credit risk assessment platforms, financial statement analysis tools, and industry-standard software like Moody’s Analytics or S&P Global is essential. Exceptional communication, attention to detail, and sound judgment help you effectively evaluate creditworthiness and present findings to stakeholders. These skills ensure accurate risk assessments, informed lending decisions, and contribute to the financial health of the institution.

What are common challenges faced by senior commercial credit analysts, and how can they be addressed?

Senior Commercial Credit Analysts often encounter challenges such as evaluating complex financial statements, assessing risk in volatile markets, and balancing thorough analysis with tight deadlines. To address these, it's important to stay updated on industry trends, utilize advanced financial modeling tools, and maintain clear communication with relationship managers and clients. Collaborating closely with credit committees and other analysts can also help ensure well-informed decisions and manage workload efficiently.

What is the difference between Senior Commercial Credit Analyst vs Commercial Credit Analyst?

AspectSenior Commercial Credit AnalystCommercial Credit Analyst
Required CredentialsBachelor's degree, often CFA or credit certificationsBachelor's degree, relevant certifications optional
Work EnvironmentMore complex credit analysis, mentorship rolesAnalyzing credit data, supporting senior staff
Employer & Industry UsageFinancial institutions, banks, large corporationsBanks, lending institutions, credit agencies
Common Search & ComparisonSenior roles, advanced analysis, leadershipEntry to mid-level analysis, support roles

The main difference between a Senior Commercial Credit Analyst and a Commercial Credit Analyst lies in experience, responsibilities, and complexity of analysis. Senior analysts handle more complex cases, often mentor junior staff, and may have additional certifications. Both roles are vital in financial institutions and share similar industry usage, but the senior position involves greater expertise and leadership responsibilities.

What are popular job titles related to Senior Commercial Credit Analyst jobs in Riverside, CA?

For Senior Commercial Credit Analyst jobs in Riverside, CA, the most frequently searched job titles are:

What job categories do people searching Senior Commercial Credit Analyst jobs in Riverside, CA look for?

The top searched job categories for Senior Commercial Credit Analyst jobs in Riverside, CA are:

What cities near Riverside, CA are hiring for Senior Commercial Credit Analyst jobs?

Cities near Riverside, CA with the most Senior Commercial Credit Analyst job openings:

Senior Commercial Credit Analyst jobs near you

Commercial Credit Analyst

Chino Commercial Bank

Chino, CA • On-site

$22 - $27/hr

Full-time

Re-posted 19 hours ago

Job description

Job Type
Full-time
Description
INTRODUCTION
We welcome you to join our Chino Commercial Bank Team!
We are currently looking to fill several Commercial Credit Analyst positions. We are looking for individuals who are passionate, driven, collaborative, and solutions oriented.
We are dedicated in creating a championing environment where you can grow and thrive.
Our Mission is to provide exceptional customer service to make a difference in the lives of our customers and communities.
SUMMARY
The position of Commercial Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. This employee must maintain compliance within audit, internal controls, security, BSA, CTR standards
ESSENTIAL DUTIES
1. Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
2. Assists loan officers in gathering data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; contacts customers for additional information and clarification of data.
3. Compiles data from credit bureaus, conducts industry peer comparisons, performs cash flow analyses and other such tasks and comparisons.
4. Writes financial reviews and reports; makes recommendation on loan structures and terms to loan officers.
5. Assists loan officers in coordinating processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans.
6. Informs loan officers when up-to-date financial statements are needed; ensures credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
7. Assist loan officers in the review and renewal of credit facilities; provides back-up support.
8. Checks pledged assets as requested by loan officers.
9. Assists with on-going computerization of the loan review function.
10. Assists loan officers in verification of funds with mortgage companies and contractors.
11. Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.
12. May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business.
13. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
14. Assists in providing deposit and loan account ratings for loan officers.
15. Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
16. Operates computer terminal or personal computer to obtain and process data.
17. Answers telephones, answers questions and directs callers to proper Bank personnel.
Requirements
  • Associate's degree (AA) or equivalent from a two year college or technical school; or four years related experience and/or training; or the equivalent combination of education and experience.
  • Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
  • Experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
  • Knowledge of commercial, construction, real estate and consumer loan processing.
  • Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
  • Knowledge of related state and federal loan regulations and other Bank lending policies.
  • Ability to effectively present information and respond to questions from groups of managers, customers, and members of the general public.
  • Skills in computer terminal and personal computer operation; mainframe computer system; and word processing and spreadsheet software.
  • Typing skills to meet production needs of the position.
  • Math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
  • Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
  • Ability to deal with normal problems involving multiple facets and variables in non-standardized situations.
  • Excellent organizational and time management skills.
  • Ability to work with minimal supervision while performing duties.
  • Current California driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.
  • The incumbent must be able to perform this position safely, without endangering the health or safety to himself or herself or others

Salary Description
$22.00 - $27.00 hourly

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