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Credit Risk Developer Jobs in Ladera Ranch, CA (NOW HIRING)

City National Bank

Credit Analyst I

Irvine, CA · On-site

$25.93 - $41.43/hr

... developers. * Colleagues will partner across numerous bank lines and divisions to provide tailored CRE lending solutions to clients, while proactively identifying risk on new and existing credits ...

Redwood Trust Inc

Engineering Manager

Irvine, CA · On-site

$170K - $200K/yr

... DevOps discipline. * Strong custom full-stack engineering -- able to architect and lead non ... Strong understanding of credit risk, pricing models, and capital markets implications. * Experience ...

Redwood Trust, Inc.

Engineering Manager

Irvine, CA · On-site

$170 - $200/hr

... DevOps discipline. * Strong custom full‑stack engineering -- able to architect and lead ... Strong understanding of credit risk, pricing models, and capital markets implications. * Experience ...

Redwood Trust

Engineering Manager

Irvine, CA · On-site

$170K - $200K/yr

... DevOps discipline. * Strong custom full-stack engineering -- able to architect and lead non ... Strong understanding of credit risk, pricing models, and capital markets implications. * Experience ...

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Credit Risk Developer information

What is a credit risk developer?

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.

What are the key skills and qualifications needed to thrive as a credit risk developer?

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.

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 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.

Credit Risk Developer jobs near you

Senior Quantitative Investment Risk Modeler

Newport Beach, CA • On-site

Pacific Life Insurance Company
Finance and Insurance • 1 - 5K employees

7.8

Company rating: 7.8 out of 10

Based on 15 frontline employees who took The Breakroom Quiz

195th of 313 rated insurance

People enjoy working here

Good employer

Paid breaks

Learn more about Pacific Life Insurance Companyexternal

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 10 days ago

Job description

Job Description:
Providing for loved ones, planning rewarding retirements, saving enough for whatever lies ahead - our policyholders count on us to be there when it matters most. It's a big ask, but it's one that we have the power to deliver when we work together. We collaborate and innovate - pushing one another to transform not just Pacific Life, but the entire industry for the better. Why? Because it's the right thing to do. Pacific Life is more than a job, it's a career with purpose. It's a career where you have the support, balance, and resources to make a positive impact on the future - including your own.
We are actively seeking a talented Senior Quantitative Investment Risk Modeler to join the Risk Management team in Newport Beach, CA. This position reports to the Head of Investment Risk Modeling and partners closely with the investment and risk teams across Pacific Life's organizations.
As a Senior Quantitative Investment Risk Modeler, you will play a key role in advancing the organization's ability to qualify and quantify the risk profiles of complex and illiquid asset classes and publicly traded investments.
How you'll help move us forward:
Develop analytics and insights that can support the execution of:
  • Pacific Life Risk Management's oversight of aggregate credit risk across the investment portfolio within risk appetite and supporting stress testing internal capital modeling capabilities
  • Pacific Life Investment's strategies by informing the evaluation of risk and return tradeoffs across asset classes, geographies, and legal entities

Develop models for a broad range of asset classes including:
  • Public structured products including CLOs, RMBS, CMBS, and ABS
  • Private ABS inclusive of securities backed by esoteric collateral
  • Residential and commercial mortgage loans

Excel in a matrix environment working with other quants in the risk team, senior investment analysts, and portfolio managers.
Drive business outcomes, have leadership attributes, and have the aptitude to transform concepts into actionable quant models.
The experience you bring:
The ideal candidate will be an accomplished professional with an esteemed market reputation and experience with world-class financial services organizations marked by the diversity and complexity of products and geographies.
  • 5-7 years with fixed Income products (required).
  • MFE or PhD degree in quantitative areas such as Finance, Math, Engineering, a related field, or equivalent experience. CFA/FRM designation is preferred.
  • Must have first-hand, in-depth knowledge of investment risk methodologies and quantitative decision-making working with senior portfolio managers
  • Expert-level knowledge and experience in modeling a broad range of investments and applying best practices in quantitative methods and strategies to the investment/risk management process.
  • Experience building investment risk models for a broad range of complex and illiquid assets exposed to corporate credit, residential real estate, and commercial real estate risks, both public and/or privates.
  • Demonstrated ability in asset modeling and derivative valuations and experience in coding in languages such as MATLAB, SAS, R, Python, etc.
  • Demonstrated experience with analytical systems such as Bloomberg, Intex, RiskSpan, FactSet, Aladdin, CoStar, Trepp, Moody's, S&P, etc.

You can be who you are.
We are committed to a culture of inclusion that embraces the authenticity of all employees, partners and communities. We support all employees to thrive and achieve their fullest potential. What's life like at Pacific Life? Visit Instagram.com/lifeatpacificlife
#LI-TM1
Base Pay Range:
The base pay range noted represents the company's good faith minimum and maximum range for this role at the time of posting. The actual compensation offered to a candidate will be dependent upon several factors, including but not limited to experience, qualifications and geographic location. Also, most employees are eligible for additional incentive pay.
$203,760.00 - $249,040.00
Your Benefits Start Day 1
Your wellbeing is important to Pacific Life, and we're committed to providing you with flexible benefits that you can tailor to meet your needs. Whether you are focusing on your physical, financial, emotional, or social wellbeing, we've got you covered.
  • Prioritization of your health and well-being including Medical, Dental, Vision, and Wellbeing Reimbursement Account that can be used on yourself or your eligible dependents
  • Generous paid time off options including: Paid Time Off, Holiday Schedules, and Financial Planning Time Off
  • Paid Parental Leave as well as an Adoption Assistance Program
  • Competitive 401k savings plan with company match and an additional contribution regardless of participation

You Can Be Who You Are
We are committed to a culture of diversity and inclusion that embraces the authenticity of all employees, partners and communities. We support all employees to thrive and achieve their fullest potential.
What's life like at Pacific Life? Visit Instagram.com/lifeatpacificlife
EEO Statement:
Pacific Life Insurance Company is an Equal Opportunity /Affirmative Action Employer, M/F/D/V. If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Human Resources Representative at Pacific Life Insurance Company.
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About Pacific Life

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When you purchase life insurance and retirement solutions, you're buying a promise. A promise that today, tomorrow or ten years from now, we'll be there. For more than 150 years, our clients have trusted Pacific Life to protect what matters most to them - their families, their businesses, their futures.

Industry

Finance and insurance

Company size

1,001 - 5,000 Employees

Headquarters location

Newport Beach, CA, US

Year founded

1868

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