Top 56 Credit Analysts Jobs in Sacramento, CA

Consumer Credit Analyst III
Golden 1 Credit Union —Sacramento, CA
- $37.25 - $40.00 an hour
- Weekends as needed
- Remote
- Computer literacy
- Microsoft Office
- High school diploma or GED
Quick Apply
14d
Credit Specialist
Ferguson Enterprises, LLC —Sacramento, CA
- $25.04 - $37.56 an hour
- Full-time
- Microsoft Excel
- Microsoft Access
- Microsoft Outlook
- Paid parental leave
- Health insurance
1d
On-Site Property Manager at HUD/Tax Credit property
Domus Management Company —Sacramento, CA
- $24 - $25 an hour
- Full-time
- Microsoft Excel
- Microsoft Outlook
- Mid-level
- Paid holidays
- Health insurance
Quick Apply
Risk Program Administrator
Wollborg Michelson Recruiting —Sacramento, CA
- $55 an hour
- Contract
- Hybrid work
- Microsoft Outlook
- 5 years
- Writing skills
- Health insurance
- Dental insurance
Quick Apply
3d
Underwriting Specialist OR Executive Underwriter - Large Contract Surety
Zurich Insurance Company Ltd. —California
- $75,000 - $165,000 a year
- Full-time
- Hybrid work
- Mid-level
- High school diploma or GED
- Business development
Senior Commercial Credit Analyst
River City Bank —Sacramento, CA
- $95,000 - $130,000 a year
- Full-time
- Hybrid work
- Word processing
- Computer literacy
- Data analysis skills
- Loan repayment program
Credit Manager
Intel —Folsom, CA
- $116,160 - $195,980 a year
- Full-time
- Hybrid work
- 6 years
- Office
- Finance
- Health insurance
6d
Underwriting Assistant SCE
ICW Group —Sacramento, CA
- $22.54 - $35.54 an hour
- Full-time
- Hybrid work
- Office
- High school diploma or GED
- Organizational skills
- Paid holidays
- Health insurance
3d
Senior Credit Analyst
First Northern Bank of Dixon —Sacramento, CA
- $32 - $36 an hour
- Full-time
- 3 years
- Analysis skills
- Organizational skills
- Profit sharing
6h
Financial Analyst III - Treasury and Investments
Golden 1 Credit Union —Sacramento, CA
- $93,700 - $105,000 a year
- Full-time
- Remote
- Microsoft Outlook
- 5 years
- Finance
Quick Apply
8d
Credit Operations Specialist
Five Star Bank —Rancho Cordova, CA
- $26 - $28 an hour
- Email
- Mid-level
- Office
- Continuous improvement
HOUSING FINANCE SPECIALIST (RENTAL)
CA Housing Finance Agency —Sacramento County, CA
- $6,623 - $8,290 a month
- Full-time
- Hybrid work
- Mid-level
- Office
- Finance
Staff Product Manager, Credit Card
GoodLeap —Roseville, CA
- $185,000 - $210,000 a year
- Full-time
- Hybrid work
- 7 years
- Product management
- Senior level
Underwriter/Broker - Wholesale
RPS —Rocklin, CA
- $54,000 - $105,500 a year
- Full-time
- Hybrid work
- Mid-level
- 3 years
- Business development
- Paid parental leave
- Health savings account
Commercial Underwriting Assistant - Remote for California Residents
Amwins —Roseville, CA
- $26 - $30 an hour
- Remote
- Computer literacy
- Mid-level
- Analysis skills
Quick Apply
Commercial Underwriter II
Tri Counties Bank —Roseville, CA
- $92,200 - $115,000 a year
- Mid-level
- Office
- Windows
Quick Apply
Jumbo Scenario Desk Sr. Underwriter
Movement Mortgage —Sacramento, CA
- $100,000 - $147,200 a year
- Full-time
- Microsoft Excel
- Microsoft Outlook
- Office
- Health savings account
- Paid holidays
9d
Risk Cost Analyst- Construction
Turner & Townsend —Sacramento, CA
- $120,000 - $175,000 a year
- Full-time
- Hybrid work
- 5 years
- Mid-level
- Finance
Quick Apply
HEALTH FACILITY CONSTRUCTION FINANCING SPECIALIST
Department of Health Care Access and Information —Sacramento County, CA
- $6,623 - $8,290 a month
- Multiple hires
- Hybrid work
- Microsoft Word
- Microsoft Excel
- Writing skills
- Free parking
Commercial Portfolio Manager
River City Bank —Sacramento, CA
- $110,000 - $150,000 a year
- Full-time
- Hybrid work
- 5 years
- Data analysis skills
- Office

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Credit Analysts jobs near Sacramento, CA

Consumer Credit Analyst III

Golden 1 Credit Union -
Sacramento, CA

Quick Apply

Job Details

Full-time
$37.25 - $40.00 an hour
14 days ago

Qualifications

Underwriting verification process
Computer operation
Promoting products
Underwriting guidelines adherence
Credit risk assessment
Promoting bank products
Consumer lending analysis in risk and credit
Employee relationship building
Microsoft Office
High school diploma or GED
Math
Task prioritization
Fax machines
Industry trends
Desktop applications
Relationship management
Leading team collaboration initiatives
Credit report review
Collateral evaluation (loan underwriting)
Verification (borrower information)
Credit report analysis
Loan Origination Systems (LOS)
Promoting bank services

Full Job Description

JOB TITLE: Consumer Credit Analyst III
DEPARTMENT: Dealer Services Ops
STATUS: Non-Exempt
JOB CODE: 1730
PAY SCALE: $37.25 – $40.00 Hourly
LOCATION: Remote in CA only

GENERAL DESCRIPTION:
Consumer Credit Analyst III is responsible for performing risk analysis for complex secured and unsecured consumer loans. The Credit Analyst reviews, analyzes, and evaluates consumer loan applications and based on their judgment approve, modify or deny consistent with credit union guidelines. Consumer Credit Analyst III must clearly document and communicate the reasoning for their decision. Maintain and strengthen relationships with members, and internal/ external originators. A Credit Analyst III will mentor less senior analysts and be prepared to assist in more complex credit decisions or approve transactions outside of other’s lending authority. Maintain a thorough understanding of the credit union’s underwriting standards, risk philosophy, credit culture and market conditions. Exhibits good leadership ability.

TASKS, DUTIES, FUNCTIONS:
1. Review, analyze, and evaluate loan applications based on established credit union policies and apply knowledge of underwriting procedures and risk mitigation techniques to approve, counter, or deny consumer loan applications by:

Review and ensure the transaction is accurate, complete and compliant.
Analyze credit history to determine propensity for repayment.
Analyze income and financial statements to determine ability to repay.
Evaluate required documentation for accuracy and truthfulness.
Apply fraud detection and prevention techniques.

2. Utilize the credit reports to calculate key lending ratios to determine capacity, credit utilization, and Loan to Value. Ensure application request are in line with credit union guidelines, identify mitigating factors and render judgmental decisions within their designated loan authority.
3. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance- including bank secrecy, anti-money laundering, Fair Lending and Truth in lending laws appropriate to the position.
4. Responsible for receiving and initiating escalated phone inquiries and must communicate and interact with originator and external business partners to provide information or reasoning regarding loan decision.
5. Effectively address and resolve all complaints or issues raised by members, internal staff and business partners.
6. Gather information, perform analysis, and prepare reports as directed by management.
7. Assist with training originators regarding lending policies, process or procedures, administering lending promotional campaigns.
8. Make recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending.
9. Assist in the preparation of training and/or lending presentations.
10. Train personnel on lending policies and procedures. Provide work direction, feedback and training to less experienced staff. Mentor others in credit decision making and department procedures and policies.
11. Perform upgrade validations pertaining to lending systems. Understand the use of the automated loan origination system and recommend efficiency improvements.
12. May act as a team lead and provide performance feedback to less senior consumer credit analysts.
13. May act as a backup in absence of Supervisor.
14. Perform other Lending duties as assigned.
PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS:
1. Effective oral and written communication skills required to interact with staff, and members to perform constructive follow up on member loan requests, inquiries, and concerns.
2. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone.
3. Ability to work required hours which may include weekend shifts and work hours after 6:00 p.m.
4. Some travel may be required.

ORGANIZATIONAL CONTACTS & RELATIONSHIPS:
1. INTERNAL: Management group and all levels of staff.
2. EXTERNAL: Members and external originators.

QUALIFICATIONS:
1. EDUCATION: Successful completion of High School curriculum is required. Associates degree is preferred.
2. EXPERIENCE: Minimum 7 year in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions and 4 years of experience reviewing, analyzing, evaluating loan applications and rending judgmental decisions.

3. KNOWLEDGE/SKILLS:

Strong analytical, organizational skills and attention to detail. Ability to calculate figures and amounts.
Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations and recommendations.
Remain knowledgeable on key trends in the financial services industry that impact loan quality and underwriting.
Solid interpersonal, oral and written communication skills to build and maintain professional relationships with originator and members.
Good leadership abilities.
Extensive knowledge of consumer loan underwriting, credit analysis and reporting.
Possess a high degree of integrity to use judgment to make appropriate and fair lending decisions on behalf of the credit union.
Comprehensive understanding of both branch and indirect credit union lending policies.
Ability to sell and promote product lines, and back up lending decisions in a way that enhance originator relationships.
Time and queue management skills to effectively prioritize multiple objectives.
Intricate understanding of regional lending market conditions and collateral values.
Understand the use of the automated loan origination system. Operate on standard Microsoft programs and other computer operations.
Stay up to date on changes within the department, organization, industry and current market conditions.
Must work well in a fast paced and flexible production oriented department.
Analytical skills to include reviewing and understanding complex paystub and personal and corporate tax return documents.

PHYSICAL REQUIREMENTS:
1. Prolonged sitting throughout the workday with occasional mobility required.
2. Corrected vision within the normal range.
3. Hearing within normal range. A device to enhance hearing will be provided if needed.
4. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
5. Must be flexible with scheduling, including evenings, weekends, and holidays.
LICENSES/CERTIFICATIONS: None

#LI-Remote

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.
REV. 3/13/2026

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Refine Your Search

Credit Analysts jobs in Sacramento, CA

Consumer Credit Analyst III

Credit Specialist

On-Site Property Manager at HUD/Tax Credit property

Risk Program Administrator

Underwriting Specialist OR Executive Underwriter - Large Contract Surety

Senior Commercial Credit Analyst

Credit Manager

Underwriting Assistant SCE

Senior Credit Analyst

Financial Analyst III - Treasury and Investments

Credit Operations Specialist

HOUSING FINANCE SPECIALIST (RENTAL)

Staff Product Manager, Credit Card

Underwriter/Broker - Wholesale

Commercial Underwriting Assistant - Remote for California Residents

Commercial Underwriter II

Jumbo Scenario Desk Sr. Underwriter

Risk Cost Analyst- Construction

HEALTH FACILITY CONSTRUCTION FINANCING SPECIALIST

Commercial Portfolio Manager

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