Top Credit Analyst Jobs in San Francisco Bay Area, CA

Own the full commercial credit underwriting lifecycle, including application review, KYB verification, credit bureau analysis, limit-setting, documentation, escalations, and decisioning. Identify risk patterns, support backtesting of policy changes, improve workflow automation, develop SOPs, and coordinate with Fraud on overlapping application-stage signals.

The Staff Credit Policy Analyst leads the development and governance of credit policies for home loans, ensuring compliance and operational efficiency while collaborating with leadership and cross-functional teams.

Coordinate preparation, review, and routing of commercial loan documentation; work with underwriters, outside counsel, and WLS to ensure complete loan packages, booking/funding, fee application, and collateral releases. Resolve documentation exceptions and correct onboarding errors.

Performs commercial credit underwriting, portfolio monitoring, financial and risk analysis, covenant tracking, projection modeling, credit memo preparation, and portfolio reporting. Identifies emerging risks, evaluates financial data, supports credit reviews, maintains data accuracy, and escalates documentation or analysis issues. The role develops end-to-end underwriting capability, supports special projects, and may assist with employee training.

Develop and monitor credit underwriting, pricing, loan amount, and verification strategies for personal loans. Analyze loan performance, risk-adjusted returns, credit losses, A/B tests, and expansion opportunities. Build KPI dashboards, conduct root-cause analysis, evaluate data sources, and communicate recommendations. Partner with Technology teams on strategy implementation and monitoring while using AI tools responsibly to support analysis and reporting.

Supports credit portfolio management for large agricultural accounts by analyzing financial statements, tax returns, cash flow, credit reports, industry trends, and repayment capacity. Provides underwriting recommendations, conducts credit reviews, performs lien priority analysis, drafts security agreements and UCC-1 filings, supports collections and asset discovery, and maintains compliance with company procedures and applicable regulations. Collaborates with Credit Managers and cross-functional partners while managing financial reporting, data analysis, and accounts receivable activities.

Investigates and resolves credit bureau disputes, complaints, inquiries, and reporting corrections. Reviews mortgage servicing records, payment histories, escrow activity, balances, and loan adjustments; submits updates through E-Oscar; ensures compliance with Metro 2, FCRA, RESPA, TILA, CFPB, and company policies; collaborates with internal departments and tracks dispute trends.

Investigates and resolves electronic credit bureau disputes, complaints, and reporting corrections. The role researches loan and payment records, verifies compliance with Metro 2 standards and regulations including FCRA, RESPA, and TILA, submits updates through E-Oscar, coordinates with internal departments, handles escalations, and maintains accurate documentation while meeting strict deadlines.

Own portfolio performance, delinquency and loss analysis, credit limits, exposure strategy, underwriting policy evaluation, and credit measurement standards. Partner with engineering to assess model performance, identify gaps, design tests, monitor calibration and drift, and produce recurring credit reporting. Support fair lending testing, adverse action reason quality, and credit documentation while using SQL, Python, and BigQuery for analysis.

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.

Own credit risk policy optimization, limit-setting, experimentation, forecasting, and portfolio monitoring. Design A/B tests, build performance reporting and dashboards, identify emerging risks, and partner with Machine Learning, Product, Engineering, and Operations to improve risk models and customer outcomes. Monitor deployed model performance and translate analytical findings into actionable policy and product changes.

Performs corporate credit analysis, underwriting, portfolio monitoring, risk rating, financial modeling, and due diligence for Technology, Media, and Telecom borrowers. Evaluates transaction structures, operating performance, industry and regulatory risks, credit deterioration, and policy compliance. Supports senior credit officers, relationship managers, and portfolio managers; prepares credit applications and watch-list presentations; and contributes to structured credit transactions and special projects.

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.

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.

Perform credit underwriting and portfolio monitoring for sustainable infrastructure investments: build and validate financial models, conduct multi-disciplinary due diligence, prepare investment memoranda, assess credit risk and structuring, support transaction execution, and assist origination and fund materials.

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, 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: 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: 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.