Credit Analyst Jobs in California
Credit Analyst jobs in California are among the most active in the country, concentrated in commercial banking, corporate finance, technology lending, and real estate credit across a full seniority range from entry-level associates through senior and portfolio management roles. The largest hiring metros are Los Angeles, San Francisco, and San Jose, where institutions like Wells Fargo, Bank of America, and JPMorgan Chase maintain major California operations. The most in-demand specialties are commercial credit, structured finance, and technology sector lending. Find a role that fits below and apply directly.
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Showing 5 of 47+ Credit Analyst jobs
As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.
We are looking for a Credit Analyst to provide top notch customer service to our clients and customers at our San Francisco office. If you are passionate about being part of a community, being a team player, and helping others reach their financial goals, then we are interested in speaking with you!
The ideal candidate will have the skills and experience necessary to:
Conduct credit investigations and analyze credit information pertaining to loans.
Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office and branches files.
Analyze financial statements, financial conditions and trends.
Review and report non-compliance with loan covenants.
Determine cash flow using appropriate tax analysis.
Prepare summaries, present facts and offers opinions concerning credit-worthiness.
Provide credit information and references for customers, loan officers, or other agencies as requested.
Ensure that all credit files include proper documentation including current financial statements, agency reports, etc.
Maintain control over current accounts, noting payment progress, watching for any developing problems and keeping loan officers informed.
Write credit memorandums.
Conduct industry research as needed.
Assist with special projects as assigned.
Qualifications:
Requires a Bachelor's and 1+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements.
Basic knowledge of financial and spread analysis and credit/lending procedures for less complex loans.
Knowledge of and ability to apply commercial credit principles, theories, concepts, and techniques.
Ability to work with lending officers and staff.
Good analysis, research and communication skills, both verbal and written.
Must be detail oriented.
Ability to meet deadlines and make sound decisions regarding loans.
Good PC skill required.
Benefits:
Medical, Dental and Vision Insurance - START DAY ONE!
Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
Mental health benefits including coaching and therapy sessions
Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
Employee Ambassador preferred banking products
This position is eligible to earn a base hourly rate in the range of $29.53 - $43.31 depending on job-related factors such as level of experience and location.
As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.
We are looking for a Credit Analyst to provide top notch customer service to our clients and customers at our San Francisco office. If you are passionate about being part of a community, being a team player, and helping others reach their financial goals, then we are interested in speaking with you!
The ideal candidate will have the skills and experience necessary to:
Conduct credit investigations and analyze credit information pertaining to loans.
Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office and branches files.
Analyze financial statements, financial conditions and trends.
Review and report non-compliance with loan covenants.
Determine cash flow using appropriate tax analysis.
Prepare summaries, present facts and offers opinions concerning credit-worthiness.
Provide credit information and references for customers, loan officers, or other agencies as requested.
Ensure that all credit files include proper documentation including current financial statements, agency reports, etc.
Maintain control over current accounts, noting payment progress, watching for any developing problems and keeping loan officers informed.
Write credit memorandums.
Conduct industry research as needed.
Assist with special projects as assigned.
Qualifications:
Requires a Bachelor's and 1+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements.
Basic knowledge of financial and spread analysis and credit/lending procedures for less complex loans.
Knowledge of and ability to apply commercial credit principles, theories, concepts, and techniques.
Ability to work with lending officers and staff.
Good analysis, research and communication skills, both verbal and written.
Must be detail oriented.
Ability to meet deadlines and make sound decisions regarding loans.
Good PC skill required.
Benefits:
Medical, Dental and Vision Insurance - START DAY ONE!
Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
Mental health benefits including coaching and therapy sessions
Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
Employee Ambassador preferred banking products
This position is eligible to earn a base hourly rate in the range of $29.53 - $43.31 depending on job-related factors such as level of experience and location.
See All 47 Credit Analyst Jobs in California
Find roles in California that match your experience and apply in just a few clicks.
Find Credit Analyst JobsCredit Analyst Jobs by City in California
Where California roles are concentrated, by current openings.
Credit Analyst Job Market in California
A snapshot from current California openings, updated as new roles post.
Who's Hiring
Top Industries Hiring
- Staffing & Recruiting
- Banking & Financial Services
What California Employers Look For
The qualifications that appear most often in credit analyst jobs across California.
- Bachelor's degree in finance, accounting, economics, or a closely related field
- Proficiency in financial statement analysis and credit risk modeling
- Experience with commercial loan underwriting or consumer credit evaluation
- Working knowledge of Moody's, S&P, or internal credit rating frameworks
- Strong Excel and financial modeling skills, including DCF and sensitivity analysis
- CFA candidacy or completion preferred for senior and portfolio-level positions
Credit Analyst Jobs in California: Frequently Asked Questions
How do you become a credit analyst in California?
Most California employers require a bachelor's degree in finance, accounting, or economics as the foundation. California does not issue a state-specific license for credit analysts, but many employers prefer candidates who hold or are pursuing the Chartered Financial Analyst designation through the CFA Institute. Entry-level analysts typically begin in junior underwriting or financial analyst roles at banks, credit unions, or commercial lenders headquartered across the state.
How much do credit analysts make in California?
Credit analysts in California earn a median of about $97,860 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $61,380 for the lowest 10% to over $194,760 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire credit analysts in California?
Employers hiring credit analysts in California right now include California Bank & Trust, Intuit, and SunSource, based on current listings on Migrate Mate as of September 2026. California's concentration of major bank regional headquarters, technology company treasury functions, and real estate investment firms creates consistent demand well beyond the largest national institutions.
Which California cities have the most credit analyst jobs?
San Francisco, Los Angeles, and Irvine account for the most credit analyst openings in California. Los Angeles and San Francisco drive the bulk of demand through their dense concentrations of commercial banks, asset managers, and corporate finance departments, while San Jose reflects hiring tied to technology company treasury and vendor financing operations.
Are there remote credit analyst jobs in California?
Yes, and more than most fields. About 64% of credit analyst openings tied to California are remote or hybrid as of September 2026, reflecting the desk-based, analytical nature of the work. The roles most commonly offered remotely are those focused on consumer credit review, portfolio monitoring, and financial spreading, where daily in-office collaboration with clients or collateral is not required.
How can I get hired as a credit analyst in California with little or no experience?
The most realistic entry path is through a junior underwriter, credit associate, or loan analyst role at a California community bank, credit union, or regional commercial lender. Large California-based institutions like Union Bank and Pacific Western have historically run new-graduate rotational programs in credit and lending. Building familiarity with financial statement spreading software and pursuing CFA Level I candidacy gives candidates a clear edge when competing for these entry positions.
Where can I find and apply to credit analyst jobs in California?
You can find and apply to credit analyst jobs in California on Migrate Mate, which lists current California openings across commercial banks, corporate finance teams, and specialty lenders. Find roles that fit your experience and location and apply directly from each listing.
See All 47 Credit Analyst Jobs in California
Find roles in California that match your experience and apply in just a few clicks.
Find Credit Analyst Jobs