Credit Risk Analyst – Junior

Future Sign CO.,LTD; California; On-site; USD 52,000 - 70,000; Full time

Benefits offered by this job

Competitive base salary

Incentive bonuses

Health coverage

Paid time off

Job summary

A financial services company is hiring a Junior Credit Risk Analyst in California. This entry-level position involves evaluating applicants' creditworthiness by analyzing credit reports and assessing risk indicators. Candidates should possess strong analytical skills and a Bachelor's degree in Finance or a related field. The role offers opportunities for advancement in Risk, Compliance, and Underwriting. Competitive salary and benefits package included, along with a requirement for background verification.

Qualifications

• Strong analytical skills with the ability to interpret financial and credit data.
• High accuracy and attention to detail.
• Understanding of credit scores, credit bureaus, and basic lending principles.

Responsibilities

• Review applicant credit reports, financial histories, and supporting documents.
• Track overdue accounts, monitor risk exposure, and identify early warning signs.
• Maintain structured documentation of applicant evaluations and decisions.
• Track overdue accounts, monitor risk exposure, and identify early warning signs.
• Maintain structured documentation of applicant evaluations and decisions.
• Collaborate with senior risk officers to refine assessment criteria.

Skills

Analytical skills

Attention to detail

Excel proficiency

Basic SQL familiarity

Education

Bachelor's degree in Finance, Business, Economics or related field

Tools

Excel

SQL

Job description

Job Overview

We’re hiring a Junior Credit Risk Analyst to support the evaluation of applicants’ creditworthiness for loans and financial products. You’ll analyze credit reports, assess risk indicators, and help determine approval decisions. This entry-level role is ideal for someone analytical, detail-oriented, and eager to learn the fundamentals of risk management.

Responsibilities

• Review applicant credit reports, financial histories, and supporting documents.
• Analyze credit scores, payment histories, debt levels, and risk patterns.
• Assist in preparing credit assessment summaries for decision-makers.
• Track overdue accounts, monitor risk exposure, and identify early warning signs.
• Maintain structured documentation of applicant evaluations and decisions.
• Collaborate with senior risk officers to refine assessment criteria.

Requirements

• Strong analytical skills with the ability to interpret financial and credit data.
• Proficiency in Excel; familiarity with SQL is a plus.
• Understanding of credit scores, credit bureaus, and basic lending principles.
• High accuracy and attention to detail.
• Bachelor's degree in Finance, Business, Economics, or related field.

Compensation

Competitive base salary plus incentive bonuses. Benefits may include health coverage and PTO depending on employer. Growth opportunities exist in Risk, Compliance, and Underwriting.

Credit Score Requirement

Because this role involves reviewing borrower credit history and working with sensitive financial information, a mandatory credit check and background verification is required.

AI Tools

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.