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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INTRODUCTION
Supermicro® is a Top Tier provider of advanced server, storage, and networking solutions for Data Center, Cloud Computing, Enterprise IT, Hadoop/ Big Data, Hyperscale, HPC and IoT/Embedded customers worldwide. We are the #5 fastest growing company among the Silicon Valley Top 50 technology firms. Our unprecedented global expansion has provided us with the opportunity to offer a large number of new positions to the technology community. We seek talented, passionate, and committed engineers, technologists, and business leaders to join us.
JOB SUMMARY
Super Micro Computer, Inc is seeking a Sr. Credit Analyst to join our team of valuation professionals that bring industry experience, innovation, and specialized knowledge to help make the best decision for our business and mission. If you are seeking a role that offers you the opportunity to create value and minimize risk while allowing you to develop personally and professionally, consider a career at Supermicro. The Senior Credit Analyst will be involved with the daily credit risk optimization requirements and monitor credit exposure. A successful individual for this role must have strong written and verbal communication skills, strong analytical and critical thinking skills, ability to manage multiple priorities and understand risk and reward relationships. This individual will focus on providing a high level of customer focus and value creation for our business.
ESSENTIAL DUTIES AND RESPONSIBILITIES
The Sr. Credit Analyst job responsibilities will include, but not limited to:
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Manage the customer credit risk assessment and assignment of credit terms and conditions, monitor credit exposure and performance of trade customers in order to facilitate proactive management of risks, and negotiate credit terms and conditions when customers are unable to meet established guidelines
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Obtain and analyze credit data and financial statements of new and existing customers to determine credit worthiness, rate credit risk and recommend credit limits
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Responsible for setting up customer account and maintain customer master and credit files
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Manage the review and update of global credit and collection policies, practices, procedures, and lines of customers on a regular basis or when requested for existing accounts and will revoke lines of credit upon receipt of external information pertinent to financial strength of accounts
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Special projects as assigned
QUALIFICATIONS
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Bachelor Degree (B.S/B.A) or Equivalent experience preferred
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8+ years in high-tech corporate credit or bank, problem solving experiences with understanding of financial statement, credit risk analysis, credit practices and procedures preferred
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Excellent analytical and organizational skills with focus to detail
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Strong communication skills with an ability to work collaboratively and build strong relationships across the organization
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Ability to organize and prioritize workload and meet deadlines
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Must be flexible and possess the ability to adapt to change
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Microsoft office advanced level capabilities
SALARY RANGE
$98,000 - $109,000
The salary offered will depend on several factors, including your location, level, education, training, specific skills, years of experience, and comparison to other employees already in this role. In addition to a comprehensive benefits package, candidates may be eligible for other forms of compensation, such as participation in bonus and equity award programs.
LOCATION
Location: San Jose, California, United States
EEO STATEMENT
Supermicro is an Equal Opportunity Employer and embraces diversity in our employee population. It is the policy of Supermicro to provide equal opportunity to all qualified applicants and employees without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veteran status or special disabled veteran, marital status, pregnancy, genetic information, or any other legally protected status.
See All 5 Credit Risk Analyst Jobs in California
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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
- Chime Financial1

- Citi1

- City National Bank1

- Hyundai Capital America1

- Super Micro Computer1

Top Industries Hiring
- Banking & Financial Services4
- Electronics & Hardware1
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 Chime Financial, Citi, and City National Bank, based on current listings on Migrate Mate as of June 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?
Irvine, Los Angeles, and Merced 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 0% of credit risk analyst openings tied to California are remote or hybrid as of June 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.
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