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Credit Risk Developer Jobs in Chandler, AZ (NOW HIRING)

SonSoft

Java / Big Data / Python (GC-USC)

Phoenix, AZ · On-site

Candidate should have had exposure to Credit Risk domain or Fraud analytics domain. At least 2 years of experience working in Global Delivery model- i.e. onsite- offshore model. At least 4 years of ...

Carvana

Senior Data Engineer, Predictive Modeling

Tempe, AZ · On-site

$101K - $137K/yr

Whether we're assessing credit risk, optimizing inventory and pricing strategies, or building AI agents that accelerate our analysts' productivity, we engineer solutions that directly impact millions ...

Carvana

Senior Data Engineer, Predictive Modeling

Tempe, AZ

$101K - $137K/yr

Whether we're assessing credit risk, optimizing inventory and pricing strategies, or building AI agents that accelerate our analysts' productivity, we engineer solutions that directly impact millions ...

Carvana

Senior Data Engineer, Predictive Modeling

Tempe, AZ · On-site

$101K - $137K/yr

Whether we're assessing credit risk, optimizing inventory and pricing strategies, or building AI agents that accelerate our analysts' productivity, we engineer solutions that directly impact millions ...

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All JobsCredit Risk Developer JobsCredit Risk Developer Jobs in Chandler, AZ

Credit Risk Developer information

What is the difference between Credit Risk Developer vs Credit Analyst?

AspectCredit Risk DeveloperCredit Analyst
Required CredentialsBachelor's in Finance, Economics, or related field; often some programming knowledgeBachelor's in Finance, Economics, or related field; strong analytical skills
Work EnvironmentDevelops risk models, works with data and software toolsAnalyzes credit data, assesses borrower risk, prepares reports
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending institutions, credit bureaus

While both roles focus on credit, the Credit Risk Developer primarily builds and maintains risk models using programming and data analysis, whereas the Credit Analyst evaluates individual creditworthiness and prepares risk assessments. Both roles are essential in credit decision processes but differ in technical focus and daily tasks.

What are Credit Risk Developers?

Credit Risk Developers are specialized software developers who design, build, and maintain systems that assess and manage financial risk for lending institutions or investment firms. They create algorithms and tools that analyze credit data, model potential losses, and ensure compliance with regulatory requirements. Their work supports decision-making processes related to lending, underwriting, and portfolio management. Typically, they collaborate closely with risk analysts, data scientists, and financial professionals to develop solutions that improve risk assessment accuracy and efficiency.

How does a Credit Risk Developer typically collaborate with risk analysts and business stakeholders?

A Credit Risk Developer often works closely with risk analysts to understand credit risk models and translate their requirements into robust software solutions. Regular meetings with business stakeholders are common to gather feedback, ensure alignment with regulatory standards, and adapt to changing business needs. This role requires strong communication skills to bridge the gap between technical and non-technical teams, ensuring that risk assessment tools are both accurate and user-friendly.

What are the key skills and qualifications needed to thrive as a Credit Risk Developer, and why are they important?

To thrive as a Credit Risk Developer, you need strong programming skills (such as Python, Java, or C++), a solid background in mathematics or finance, and experience with credit risk modeling. Familiarity with risk management systems, statistical analysis tools, and relevant certifications (like FRM or CFA) is often required. Exceptional problem-solving abilities, collaboration, and clear communication set outstanding candidates apart. These skills ensure accurate development and maintenance of credit risk models, enabling effective risk mitigation and regulatory compliance in financial institutions.
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What cities near Chandler, AZ are hiring for Credit Risk Developer jobs? Cities near Chandler, AZ with the most Credit Risk Developer job openings:
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Credit Underwriter (Commercial Real Estate)

Credit Underwriter (Commercial Real Estate)

Genesis Capital

Phoenix, AZ • On-site

$80K - $130K/yr

Full-time

Posted 26 days ago

Job description

Genesis Capital (the "Company") is one of the largest business purpose lenders in the country, focused on providing commercial real estate financing solutions to real estate developers who buy, renovate, and sell single-family and/or multi-family residential real estate. The Company is a subsidiary of Rithm Capital (parent company), a publicly traded mortgage real estate investment trust.

The Credit Underwriter is responsible for evaluating new lending opportunities and performing comprehensive analysis to determine the creditworthiness of the borrower. The Credit Underwriter will evaluate the underlying project (collateral) as well as perform a financial analysis of the borrower and guarantor(s). The Credit Underwriter is responsible for managing multiple underwriting projects/tasks simultaneously, including direct borrower interaction, preparation of credit memorandums, and market analysis. The Credit Underwriter's job is to ensure Genesis Capital maintains strong credit quality in line with its policies and procedures.

Principal Duties:

ESSENTIAL FUNCTIONS include the following. Other duties may be assigned.

  • The Credit Underwriter's key responsibility is to assess risk in the borrower's business strategy/experience and their real estate projects/investments.
  • Prepare credit memorandums outlining the lending opportunity, key risks, mitigating factors, project/borrower/guarantor analysis, and credit advocacy.
    • Perform credit analysis evaluating the applicant's credit worthiness, financial strength, and loan repayment likelihood/capacity.
    • Conduct market analyses and review real estate appraisals.
    • Works with Loan Officers and Relationship Managers to obtain all required due diligence items.
    • Work with all Genesis departments including sales, loan operations, valuations, accounting, construction, and other support staff.
  • Present credit memorandums to Credit Management for review and approval.
  • Analyzes legal documentation such as corporate entity documents to understand borrower structure and works with Compliance for AML/KYC. Loan documents may also need to be reviewed.
Education and Experience

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Must have bachelor's degree.
  • Minimum 3+ years in Commercial Real Estate banking or private real estate lending, in the form of underwriting, credit analysis or related experience.
  • Experience in construction lending is a plus.
  • Knowledge of complex real estate lending and loan structuring.
  • Industry knowledge of credit and financial analysis fundamentals, including cash flow analysis, balance sheet analysis, tax returns, profitability, liquidity, solvency analysis and real estate valuation.
  • Financial modeling techniques and preparation of pro-forma financial statements and NOI/DSCR analysis.
  • Knowledge of credit underwriting policies, procedures, processes, collateral valuation, and documentation.
  • Highly Proficient/Advanced in Excel, Word, PowerPoint, and database applications for pipeline management.
Knowledge, Skills, and Abilities
  • Rely on strong underwriting experience and judgment to make decisions, read and interpret data from a micro and macro perspective.
  • Ability to consolidate information from many sources to identify risks, conduct analysis and articulate a concise recommendation Ability to identify potential credit issues and appropriately escalate to management.
  • Ability to manage multiple tasks concurrently and prioritize workload to meet deadlines
  • Ability to identify potential credit issues and appropriately escalate to management.
  • Adapts to change in priorities and/or processes easily in a fast-paced work environment.
  • Excellent interpersonal, negotiation, presentation, oral, and written communication skills.

While this description is intended to be an accurate reflection of the position's requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary.

By applying to this position candidate acknowledges that this is not a remote role and is required to be on-site.

Compensation Range: $80,000 - $130,000/annual

Equal Employment Opportunity
We're proud to be an equal opportunity employer- and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and Veteran status. Different makes us better.

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