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Credit Risk Data Science Jobs in Alabama (NOW HIRING)

Bryant Bank

Credit Underwriter

Tuscaloosa, AL · On-site

Credit Risk Assessment: Conduct thorough assessments of borrower creditworthiness, using financial ratios, historical data, and qualitative information to ensure accurate lending decisions.

CSAA

Conduct scenario analysis, what-if studies, optimization, and risk analysis. * Interpret simulation ... Master-level data science industry knowledge and knowledge of the insurance marketplace. What would ...

US Department of the Air Force

$49K/yr

Mathematics, statistics, computer science, data science or field directly related to the position ... If more than 10 percent of total undergraduate credit hours are non-graded, i.e. pass/fail, CLEP ...

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Credit Risk Data Science information

What is credit risk data science?

Credit Risk Data Science is a specialized field that uses statistical analysis, machine learning, and data modeling techniques to assess and predict the likelihood that a borrower will default on a loan or credit obligation. Professionals in this field analyze large datasets from financial transactions, credit reports, and market trends to develop models that help financial institutions make informed lending decisions. Their work helps manage risk, set appropriate interest rates, and comply with regulatory standards. By leveraging advanced analytics, credit risk data scientists play a crucial role in minimizing losses and maximizing profitability for banks and lenders.

What skills and qualifications are needed to thrive as a credit risk data scientist?

To thrive as a Credit Risk Data Scientist, you need strong analytical skills, proficiency in statistical modeling, and a solid background in finance, mathematics, or a related field, often supported by an advanced degree. Familiarity with programming languages like Python or R, experience with machine learning frameworks, and knowledge of credit risk modeling tools such as SAS or SQL are typically required. Critical thinking, attention to detail, and effective communication are vital soft skills for interpreting data and collaborating with stakeholders. These abilities are crucial for building accurate risk models, informing strategic decisions, and ensuring regulatory compliance in financial institutions.

How does a credit risk data scientist typically collaborate with other teams within a financial institution?

Credit Risk Data Scientists often work closely with credit analysts, risk managers, and IT professionals to develop, validate, and implement models that assess borrower risk. They frequently participate in cross-functional meetings to translate complex analytical findings into actionable business insights. Collaboration with compliance and regulatory teams is also common to ensure that risk models meet current regulatory standards. Effective communication and teamwork are essential, as the role bridges technical model development and practical risk management decisions.

What are popular job titles related to Credit Risk Data Science jobs in Alabama?

For Credit Risk Data Science jobs in Alabama, the most frequently searched job titles are:

What job categories do people searching Credit Risk Data Science jobs in Alabama look for?

The top searched job categories for Credit Risk Data Science jobs in Alabama are:

What cities in Alabama are hiring for Credit Risk Data Science jobs?

Cities in Alabama with the most Credit Risk Data Science job openings:

Credit Risk Data Science jobs near you
Infographic showing various Credit Risk Data Science job openings in Alabama as of August 2026, with employment types broken down into 1% As Needed, 82% Full Time, 13% Part Time, and 4% Contract. Highlights an 87% Physical, 3% Hybrid, and 10% Remote job distribution.

Credit Risk Review Examiner

Birmingham, AL • On-site

Regions Financial Corporation
Finance and Insurance • 10K+ employees

8.2

Company rating: 8.2 out of 10

Based on 162 frontline employees who took The Breakroom Quiz

52nd of 173 rated banks

People enjoy working here

Good employer

Recommended by students

Learn more about Regions Financial Corporationexternal

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 25 days ago

Job description

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.
Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.
Job Description:
At Regions, the Credit Risk Review Examiner continuously monitors and examines activities. This position assesses and reports the status and direction of credit risk within the assigned portfolios. The Examiner identifies risk direction drivers, evaluates origination quality, portfolio quality, and elements of credit risk management by review of various credit metrics, transaction testing, and periodic interaction with first and second line of defense business managers, staff, and other risk assessment functions. They identify issues that require management attention and will communicate and summarize review findings in applicable report format for risk rating accuracy, policy compliance, and prudent credit risk management practices.
Primary Responsibilities
  • Serves as a subject matter expert and maintains an advanced knowledge of sound lending practices, lending regulations, and the bank's loan policy and underwriting guidelines
  • Reviews credit exposures to provide assurance of compliance with Regions' credit policies as well as safe and sound banking practices
  • Participates and/or takes a leadership role in credit risk review examinations, which may include horizontal reviews that cross lines of business and geographies with minimal guidance from management
  • Develops and maintains positive working relationships with line of business management, credit risk management, audit staff, and other departments
  • Analyzes trends in key quality and performance metrics, reviews transactions, and assesses processes associated with the origination and servicing of assigned loan portfolios
  • Leads the identification and monitoring of evolution of key risk direction drivers for assigned portfolios
  • Independently performs ad hoc analysis of often complex credit risk issues, frequently requiring aggregation of transaction data through use of spreadsheet or database software
  • Maintains specialized knowledge as required for assigned lines of business, which may include expertise required to assess periodic validation of credit scoring models, understanding portfolio valuation techniques, etc.
  • Proposes appropriate ratings and risk direction assessments and participates in developing findings and conclusions, presenting results to senior managers, and in completing written reports within departmental guidelines
  • Maintains information or work papers to support review process and findings
  • Maintains a thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements
  • May serve as lead review analyst for assigned line(s) of business for continuous monitoring of credit risk conducted between examinations
  • Collaborates with senior management in maintaining relevant knowledge of evolving and changing regulations and policies
  • Collaborates with senior management in the development of team goals and objectives, ensuring consistent achievement
  • Offers advice and guidance to junior examiners, assisting in the development of necessary skills and the promotion of continuous improvement initiatives

This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.
This position is incentive eligible.
Requirements
  • Bachelor's degree in related field
  • Twelve (12) years of credit-related experience, or eight (8) years of third line of defense credit risk assurance, regulatory, or credit approval/management experience
  • Experience writing risk management review reports

Skills and Competencies
  • Ability to learn additional systems as needed
  • Ability to research, analyze data, and derive facts
  • Ability to work in a team environment when applicable
  • Ability to work under pressure and meet deadlines
  • Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
  • Strong verbal, written communication, and organizational skills
  • Strong work ethic and self-motivation

Position Type
Full time
Compensation Details
Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job.
The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.
Job Range Target:
Minimum:
$116,304.65 USD
Median:
$165,820.00 USD
Incentive Pay Plans:
This role is eligible to participate in the annual discretionary incentive plan. Employees are eligible to receive a discretionary award based on individual, business, and/or company performance.Opportunity to participate in the Long Term Incentive Plan.
Benefits Information
Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.
  • Paid Vacation/Sick Time
  • 401K with Company Match
  • Medical, Dental and Vision Benefits
  • Disability Benefits
  • Health Savings Account
  • Flexible Spending Account
  • Life Insurance
  • Parental Leave
  • Employee Assistance Program
  • Associate Volunteer Program

Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser.
https://www.regions.com/about-regions/welcome-portal/benefits
Location Details
Regions Center
Location:
Birmingham, Alabama
Equal Opportunity Employer/including Disabled/Veterans
Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.

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