Credit Risk Analyst Jobs in California
Credit Risk Analyst jobs in California are among the most active in the country, concentrated in commercial banking, fintech, insurance, and consumer lending across entry-level through senior and director-level roles. San Francisco, Los Angeles, and San Jose are the primary hiring centers, where institutions such as Wells Fargo, Bank of the West, and Pacific Premier Bancorp maintain large credit risk functions. The most in-demand specialties are model validation, consumer credit underwriting, and commercial real estate risk. Find a role that fits below and apply directly.
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Showing 5 of 18+ Credit Risk Analyst jobs
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.
- 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
- 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
- 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.
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
ABOUT THE TEAM
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.
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.
- 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
- 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
- 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.
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
ABOUT THE TEAM
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.
See All 18 Credit Risk Analyst Jobs in California
Find roles in California that match your experience and apply in just a few clicks.
Find Credit Risk Analyst JobsCredit Risk Analyst Jobs by City in California
Where California roles are concentrated, by current openings.
Credit Risk Analyst Job Market in California
A snapshot from current California openings, updated as new roles post.
Who's Hiring
Top Industries Hiring
- Banking & Financial Services
What California Employers Look For
The qualifications that appear most often in credit risk analyst jobs across California.
- Bachelor's degree in finance, economics, mathematics, or a related quantitative field
- Proficiency in credit risk modeling tools such as SAS, Python, or R
- Experience with consumer or commercial loan portfolio analysis and credit scoring
- Familiarity with California-specific regulatory frameworks including DFPI oversight requirements
- Strong working knowledge of IFRS 9, CECL, or Basel capital adequacy standards
- Professional certification such as FRM or CFA designation preferred by many California employers
Credit Risk Analyst Jobs in California: Frequently Asked Questions
How do you become a credit risk analyst in California?
Most credit risk analyst roles in California require a bachelor's degree in finance, economics, statistics, or a related quantitative discipline. There is no state-issued license specific to the role, but California-headquartered banks and lenders regulated by the Department of Financial Protection and Innovation often expect familiarity with DFPI compliance standards. Earning an FRM or CFA credential meaningfully strengthens candidacy at California institutions, particularly in commercial banking and fintech.
How much do credit risk analysts make in California?
Credit risk 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 risk analysts in California?
Employers hiring credit risk analysts in California right now include Intuit, JPMorganChase, and EXL Service, based on current listings on Migrate Mate as of September 2026. California's concentration of major banks, insurance carriers, and venture-backed fintech firms makes it one of the deepest hiring markets for this role in the country.
Which California cities have the most credit risk analyst jobs?
San Francisco, Los Angeles, and Mountain View have the most credit risk analyst openings in California. San Francisco and San Jose are driven by large bank headquarters and a dense fintech ecosystem, while Los Angeles draws volume from regional banks, insurance carriers, and a large consumer lending sector anchored by firms like Capital Group and City National Bank.
Are there remote credit risk analyst jobs in California?
Yes, and more than most fields. Credit risk analysis is desk-based and data-driven, making it well suited to remote and hybrid arrangements. About 80% of credit risk analyst openings tied to California are remote or hybrid as of September 2026, with model validation, portfolio monitoring, and reporting functions being the most consistently offered as fully remote positions.
How can I get hired as a credit risk analyst in California with little or no experience?
The most realistic entry path is a credit analyst or junior underwriter role at a California community bank or regional lender, where you build portfolio review and covenant monitoring skills before moving into dedicated risk functions. Large California institutions such as Wells Fargo and Union Bank run structured credit associate programs for recent graduates. A finance or statistics degree combined with Python or SQL proficiency and a completed FRM Part I gives candidates a clear edge at California fintech and bank employers.
Where can I find and apply to credit risk analyst jobs in California?
You can find and apply to credit risk analyst jobs in California on Migrate Mate, which lists current California openings across commercial banks, fintech companies, insurance carriers, and credit unions. Find roles that fit your experience and apply directly to each employer.
See All 18 Credit Risk Analyst Jobs in California
Find roles in California that match your experience and apply in just a few clicks.
Find Credit Risk Analyst Jobs