Top Credit Analyst Jobs in Los Angeles, CA

Lead credit risk strategy for lending products by analyzing portfolio performance, identifying risk drivers, refining underwriting and pricing policies, and conducting A/B tests. Partner with Data Science to develop and monitor credit models, while building AI-enabled workflows that automate analysis and surface risk signals. Collaborate cross-functionally with Risk, Product, Engineering, Operations, and Data Science to support scalable fintech growth and compliant automated credit decisioning.

Analyzes credit information for existing and prospective customers, evaluates loan applications and portfolio risks, and approves or recommends lending decisions. Reviews accounts for potential credit quality issues, assesses risk, compares possible actions using analytical tools, and documents recommendations. Requires strong knowledge of credit analysis, credit administration, lending policies, and risk analysis, along with effective communication and report-writing skills.

Approves or recommends lending decisions for new, renewed, and extended loans. Conducts comprehensive credit analysis, reviews customer accounts and portfolios, identifies credit-quality issues, evaluates risk, and recommends actions to maximize credit quality and minimize potential losses. Uses analytical tools and software to compare alternatives and support credit decisions.

Analyzes credit information for existing and prospective customers, approves or recommends lending decisions, and evaluates loan renewals and extensions. Reviews portfolios for credit-quality issues, assesses risk, and recommends actions to minimize potential losses. Uses analytical tools and software to compare options and support credit decisions. Requires strong knowledge of credit analysis, credit administration, policy, procedures, and risk analysis, along with effective report writing and communication skills.

Analyzes credit information for new, renewal, and extension loans; approves credit or recommends decisions to final lending authorities. Reviews customer accounts and portfolios for credit quality issues, assesses risk, minimizes potential losses, and recommends appropriate actions. Uses software tools to evaluate credits and portfolios, compare alternatives, and support credit decisions. Requires strong knowledge of credit analysis, administration, policy, procedures, and risk analysis, along with effective report writing and communication skills.

Analyzes and approves or recommends credit decisions for SBA-guaranteed loans, including new, renewal, and extension requests. Evaluates borrower eligibility, repayment capacity, financial statements, cash flow, collateral, guarantor support, and industry trends. Reviews SBA 7(a) and 504 loan portfolios for credit quality, servicing, compliance, and guaranty eligibility issues. Prepares credit memorandums and approval packages, assesses risk, and collaborates with lending, underwriting, servicing, and portfolio management teams.

Analyzes credit information for new, renewal, and extension loans; approves credit or recommends decisions to lending authorities. Reviews customer accounts and portfolios for credit quality issues, assesses risk, and recommends actions to maximize credit quality and minimize losses. Applies credit policy, financial analysis, and technology tools while preparing reports and communicating findings.

Analyze Home Equity pricing, profitability, portfolio performance, market trends, and competitive intelligence. Develop financial models, scenario analyses, dashboards, reporting, and executive presentations to support pricing recommendations and strategic decisions. Partner with Product, Operations, Sales, Credit Risk, Marketing, Finance, and Strategy teams to implement and measure initiatives that improve profitability, competitiveness, portfolio performance, and customer outcomes.

Reviews and underwrites indirect auto loan and lease applications, evaluates credit risk using financial criteria, negotiates loan terms, documents decisions, and processes funding packages. Builds relationships with credit union and dealership partners, follows up on missing documentation, monitors dealer performance, supports fraud detection and software implementation, and helps improve lending operations, compliance, service levels, and turnaround times.

Analyzes agricultural and agribusiness borrower finances to support lending decisions and portfolio risk management. Prepares financial spreads, cash-flow analyses, collateral evaluations, credit memorandums, renewals, modifications, and portfolio reviews. Applies knowledge of agricultural production cycles, commodity markets, seasonal cash flows, collateral structures, credit policies, risk ratings, and covenant monitoring while supporting Relationship Managers and Credit Officers.

Manages customer accounts receivable, commercial collections, credit risk reviews, order releases, and chargeback or deduction resolution across U.S. and Canadian accounts. Responsibilities include monitoring past-due balances, reconciling invoices and payments, evaluating credit limits and terms, coordinating with customers and internal teams, disputing invalid deductions, pursuing recovery, maintaining documentation, and supporting cash flow and aging goals.

Underwrite automotive finance deals by analyzing credit reports, income, collateral value, scoring, and documentation validity. Investigate potential fraud, communicate with customers, dealers, employers, and creditors, and make approval decisions. Track portfolio performance and early charge-offs, supervise a DSR, provide dealer and sales support, manage high call and email volumes, and generate reports while contributing to process improvements and team leadership.

Underwrite prospective commercial loans, prepare credit memorandums, analyze borrower financials and collateral, complete construction draws, and monitor loan covenants and annual reviews. The role supports commercial loan portfolio management, policy refinement, regulatory compliance, reporting, and collaboration with loan officers and credit administration. It also mentors junior analysts and contributes to process improvements.

Own diligence and underwriting for institutional counterparties, recommend internal credit ratings and risk-based limits, monitor portfolio exposures, analyze asset volatility/liquidity for limit-setting, negotiate industry documentation, and collaborate with cross-functional teams to resolve complex client or product issues.

Supports commercial lending decisions through financial analysis, credit risk assessment, loan structuring, portfolio monitoring, and credit summaries. Makes recommendations, evaluates client creditworthiness, identifies risks and growth opportunities, supports loan renewals and proposals, maintains client relationships, ensures regulatory and policy compliance, and manages accurate banking system data.

Leads credit risk, pricing, underwriting, portfolio optimization, and policy strategies for Home Equity products. Analyzes credit performance, profitability, forecasting, customer behavior, collateral, and market trends to support risk-adjusted growth and capital decisions. Partners with Product, Finance, Operations, Technology, Compliance, and Credit Policy teams to implement decision rules, business requirements, controls, and process improvements. Develops monitoring tools and executive reporting, supports governance and regulatory activities, and mentors junior analysts.

Analyze investment-grade bank and financial institution bonds, evaluating credit fundamentals, capital adequacy, asset quality, funding, liquidity, market conditions, and relative value. Develop credit opinions and investment ideas, communicate actionable recommendations, and support portfolio decisions through financial modeling, quantitative analysis, and ongoing market research.

Underwrite vehicle finance deals for Westlake's Acquisitions unit: analyze credit reports, income, book value and fraud indicators; interact with dealers, customers and third parties; track portfolio performance and early charge-offs; supervise direct reports as needed; handle high call volume, reporting, and dealer support.

Manage assigned accounts receivable: make collection calls and emails, resolve payment discrepancies, perform account adjustments and small-balance write-offs, reconcile customer accounts, reduce delinquent balances, and coordinate with sales and management to accelerate collections.

The Analyst, Corporate Credit conducts deep financial analysis, develops investment ideas for bonds, and communicates findings to influence investment strategies.

The Analyst will perform fundamental credit analysis on quasi-sovereigns and corporate credits in Emerging Markets, present investment ideas, and monitor credit performance.

Lead credit analytics for the Send Now Pay Later product: build and own valuation and vintage models, manage credit policies, monitor portfolio health and NPL trends, integrate ML scorecards, and evaluate alternative data to optimize approvals and loss performance.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, portfolio surveillance, executive reporting, model integration/testing, and alternative data exploration to optimize approval rates and manage portfolio risk.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, executive reporting, model integration and testing, and alternative data integration to optimize approval rates and portfolio health.

Lead credit analytics for the Send Now Pay Later product: own portfolio health reporting, NPL trends, valuation and NPV models, vintage analysis, credit policy design, monitoring, model integration and testing, and alternative data exploration to optimize approval rates and loss performance.