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Senior Credit Analyst Jobs in Santa Rosa, CA (NOW HIRING)

Westamerica Bank

Real Estate Credit Officer

Santa Rosa, CA · On-site

$74K - $77K/yr

Westamerica Bancorporation, located in Fairfield, CA., is looking for a seasoned Senior Commercial ... Incorporate information obtained from independent appraiser and cost engineers to analyze and ...

WESTAMERICA BANK

Real Estate Credit Officer

Santa Rosa, CA · On-site

$74K - $77K/yr

Westamerica Bancorporation, located in Fairfield, CA., is looking for a seasoned Senior Commercial ... Incorporate information obtained from independent appraiser and cost engineers to analyze and ...

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All JobsCredit Analyst JobsSenior Credit Analyst JobsSenior Credit Analyst Jobs in Santa Rosa, CA

Senior Credit Analyst information

See Santa Rosa, CA salary details

$54.1K

$103.1K

$190.2K

How much do senior credit analyst jobs pay per year?

As of Aug 20, 2026, the average yearly pay for senior credit analyst in Santa Rosa, CA is $103,088.00, according to ZipRecruiter salary data. Most workers in this role earn between $75,400.00 and $109,300.00 per year, depending on experience, location, and employer.

What is a senior credit analyst?

Senior Credit Analysts are finance professionals who assess the creditworthiness of individuals, companies, or securities. They analyze financial statements, market trends, and other data to evaluate the risk of lending money or extending credit. Senior Credit Analysts often work in banks, investment firms, or credit rating agencies and may have supervisory responsibilities, guiding junior analysts and making recommendations on large or complex credit decisions. Their expertise helps organizations make informed lending and investment choices while managing risk.

What does a senior credit analyst do?

A senior credit analyst assesses the financial risk of providing a loan or line of credit to a client. As a credit analyst, you work for a commercial bank or other lending institution. Your duties are to analyze financial data, access client information from other companies, and coordinate with the marketing team about loan targets. Qualifications for a career as a senior credit analyst include a bachelor’s degree in economics, accounting, or statistics, and several years of experience working in credit analysis or the actuarial field. Since this is a senior position, you must work your way up from junior. Other skills useful for the job include strong mathematics and organizational skills.

What are the key skills and qualifications needed to thrive as a senior credit analyst, and why are they important?

To thrive as a Senior Credit Analyst, you need expertise in financial analysis, risk assessment, and a solid understanding of accounting principles, typically supported by a bachelor’s degree in finance or a related field. Familiarity with financial modeling software, credit risk management systems, and possibly certifications such as CFA or FRM are highly valuable. Strong analytical thinking, attention to detail, and effective communication skills set top performers apart in this role. These competencies are critical to making sound credit decisions, minimizing risk, and supporting the financial health of the organization.

What are some common challenges senior credit analysts face when evaluating complex credit portfolios?

Senior Credit Analysts often encounter challenges such as assessing the creditworthiness of clients with limited financial information, managing large and diverse portfolios, and keeping up with rapidly changing market and regulatory conditions. Additionally, they must balance risk mitigation with supporting business growth, which requires close collaboration with relationship managers, risk officers, and senior management. Staying updated on industry trends and employing advanced analytical techniques are essential to effectively address these complexities.

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

AspectSenior Credit AnalystCredit Analyst
Required CredentialsBachelor's degree, often CFA or CPA, experience in credit analysisBachelor's degree, relevant certifications optional
Work EnvironmentFinancial institutions, corporate credit departmentsBanks, lending firms, credit agencies
Employer & Industry UsageUsed in banking, investment, and corporate finance sectorsCommon in banking and lending industries
Comparison Search IntentUnderstanding seniority and responsibilitiesEntry to mid-level credit analysis roles

The main difference between a Senior Credit Analyst and a Credit Analyst lies in experience, responsibilities, and qualifications. Senior Credit Analysts typically have more experience, advanced certifications, and handle more complex credit assessments. Credit Analysts are often entry-level or mid-level roles focusing on initial credit evaluations. Both roles are vital in financial institutions, but the senior position involves greater decision-making authority and oversight.

Do senior credit analysts make a lot of money?

Senior credit analysts typically earn a higher salary than entry-level analysts, with median annual wages often ranging from $70,000 to $100,000 depending on experience, location, and industry. They may also receive bonuses and benefits, and advanced certifications like CFA can enhance earning potential.

How much does a senior credit analyst make in the US?

A senior credit analyst in the US typically earns between $70,000 and $100,000 annually, with the average around $85,000. Compensation varies based on experience, location, and industry, and may include bonuses and benefits.
More about Senior Credit Analyst jobs

What are the most commonly searched types of Credit Analyst jobs in Santa Rosa, CA?

The most popular types of Credit Analyst jobs in Santa Rosa, CA are:

What are popular job titles related to Senior Credit Analyst jobs in Santa Rosa, CA?

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

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

The top searched job categories for Senior Credit Analyst jobs in Santa Rosa, CA are:

What cities near Santa Rosa, CA are hiring for Senior Credit Analyst jobs?

Cities near Santa Rosa, CA with the most Senior Credit Analyst job openings:

Senior Credit Analyst jobs near you
Infographic showing various Senior Credit Analyst job openings in Santa Rosa, CA as of August 2026, with employment types broken down into 1% Internship, 75% Full Time, 22% Part Time, 1% Temporary, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $103,088 per year, or $49.6 per hour.

Credit Analyst I - Wine

First Citizens Bank

Santa Rosa, CA • On-site

$86K - $105K/yr

Full-time

This job post has expired today. Applications are no longer accepted.

First Citizens Bank rating

7.4

Company rating: 7.4 out of 10

Based on 106 frontline employees who took The Breakroom Quiz

106th of 171 rated banks

Job description

Overview

This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office.

This position provides support to the credit sales organization, vendor partners and senior management through the underwriting and adjudication of commercial credit applications within the Wine Division. Reviews private and publicly available information and low complexity risk assessments on commercial borrowers, analyzing customer/prospective customer financial statements/performance and internal pay history, as necessary. Adjudicates opportunities within individual lending authority and recommends decisions over and above established delegated authority.


Responsibilities
  • Analysis - Sources, compiles, spreads, and begins to interpret commercial and natural person financial information to determine the creditworthiness of a business client. Analyzes factors that impact credit on both a quantitative and qualitative basis. Assists with analyzing loan processes for accuracy and efficiency, effectively communicates analysis output.
  • Business Support - Provides analytical insight and technical skill to lending activities, developing industry, data, and credit knowledge to serve as a resource to associates. May recommend process improvements and risk mitigation strategies identified through data trends.
  • Client outreach - Obtains and monitors financial documentation utilized in analysis efforts, from Borrowers and prospective Borrowers. Ensures accuracy, completeness, and consistency of documentation and begins to develop own COI ecosystem.
  • Reporting - Produces reports based on analysis, key loan metrics, and credit relationships. Identifies and communicates trends that indicate risk or credit issues.

Qualifications

Bachelor's Degree and 0 years of experience in Banking or Financial industry OR High School Diploma or GED and 4 years of experience in Banking or Financial industry

Preferred Qualifications:

  • Finance and/or Accounting degree
  • Strong communication and business writing skills
  • Enjoys working in a fast-paced team environment
  • Experience with Microsoft Office, with an emphasis on Word and Excel.
  • Interest and/or experience in the Premium Wine Industry is a plus

The base pay for this position is generally between $86,250-$105,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

#LI-JW2

Qualifications:

Bachelor's Degree and 0 years of experience in Banking or Financial industry OR High School Diploma or GED and 4 years of experience in Banking or Financial industry

Preferred Qualifications:

  • Finance and/or Accounting degree
  • Strong communication and business writing skills
  • Enjoys working in a fast-paced team environment
  • Experience with Microsoft Office, with an emphasis on Word and Excel.
  • Interest and/or experience in the Premium Wine Industry is a plus

The base pay for this position is generally between $86,250-$105,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

#LI-JW2

Education:UNAVAILABLEEmployment Type: FULL_TIME

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