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Credit Risk Model Validation Jobs in Texas (NOW HIRING)

Regional Finance Corp

Director, Credit Risk

Plano, TX · On-site

Oversee model development, validation, and performance monitoring Business Partnership & Leadership * Advise executive leadership on credit risk exposure and strategic decisions * Partner with ...

Regional Finance

Director, Credit Risk

Plano, TX · On-site

Oversee model development, validation, and performance monitoring Business Partnership & Leadership * Advise executive leadership on credit risk exposure and strategic decisions * Partner with ...

Regional Finance

Director, Credit Risk

Plano, TX · On-site

Oversee model development, validation, and performance monitoring Business Partnership & Leadership * Advise executive leadership on credit risk exposure and strategic decisions * Partner with ...

Sunflower Bank, N.A.

Model Risk Analyst

Dallas, TX · On-site

... validation, and ongoing monitoring of quantitative models. This role ensures that models--used for credit risk, liquidity risk, market risk, capital planning, and BSA/AML--are conceptually sound ...

Sunflower Bank NA

Model Risk Analyst

Dallas, TX · Hybrid

... validation, and ongoing monitoring of quantitative models. This role ensures that models-used for credit risk, liquidity risk, market risk, capital planning, and BSA/AML-are conceptually sound ...

Sunflower Bank NA

Model Risk Analyst

Dallas, TX · On-site

... validation, and ongoing monitoring of quantitative models. This role ensures that models-used for credit risk, liquidity risk, market risk, capital planning, and BSA/AML-are conceptually sound ...

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All JobsCredit Risk Model Validation JobsCredit Risk Model Validation Jobs in Texas

Credit Risk Model Validation information

See Texas salary details

$34.5K

$106.1K

$184K

How much do credit risk model validation jobs pay per year?

As of Jul 6, 2026, the average yearly pay for credit risk model validation in Texas is $106,098.00, according to ZipRecruiter salary data. Most workers in this role earn between $76,900.00 and $130,900.00 per year, depending on experience, location, and employer.

What is credit risk model validation?

Credit risk model validation is the process of ensuring that models used to assess the creditworthiness of borrowers are accurate, reliable, and compliant with regulatory standards. This involves independent review and testing of the model's design, data, assumptions, and performance. The goal is to identify any weaknesses or limitations that could affect the model's ability to predict credit risk, reduce financial losses, and maintain regulatory compliance. Model validation is typically performed by specialists who are not involved in the model's development to ensure objectivity.

What are the key skills and qualifications needed to thrive in Credit Risk Model Validation, and why are they important?

To thrive in Credit Risk Model Validation, you need a strong background in quantitative finance, statistics, and risk management, usually supported by a relevant degree such as in mathematics, finance, or engineering. Familiarity with statistical programming languages (such as Python, R, or SAS), model validation frameworks, and regulatory guidelines like Basel accords is crucial. Attention to detail, critical thinking, and clear communication skills help you effectively analyze models and convey complex findings to stakeholders. These competencies are vital for ensuring accurate risk assessment, regulatory compliance, and the robustness of financial institutions' credit risk models.

What is the difference between Credit Risk Model Validation vs Credit Risk Analyst?

AspectCredit Risk Model ValidationCredit Risk Analyst
Primary FocusAssessing and validating the accuracy of credit risk modelsAnalyzing credit data to assess borrower risk and support lending decisions
Skills & CertificationsStatistical, quantitative skills; certifications like FRM or CFA often preferredFinancial analysis skills; relevant certifications like CFA or credit-specific training
Work EnvironmentQuantitative teams within risk management or model validation unitsCredit departments, lending teams, or risk management units

While both roles involve credit risk, Credit Risk Model Validation focuses on testing and validating models' accuracy, whereas Credit Risk Analysts evaluate individual creditworthiness to inform lending decisions. The validation role is more technical and model-focused, while analysts work directly with credit data and client assessments.

What are some common challenges faced by professionals in Credit Risk Model Validation roles?

Professionals in Credit Risk Model Validation often encounter challenges such as staying up-to-date with evolving regulatory requirements and ensuring models remain compliant. They must also navigate the complexities of validating models that use advanced statistical techniques or machine learning, which requires both technical expertise and a thorough understanding of the underlying business context. Additionally, clear communication with stakeholders—like model developers, auditors, and risk managers—is essential to address findings and recommend improvements effectively. Managing tight deadlines and balancing multiple validation projects simultaneously can also be demanding.
What are popular job titles related to Credit Risk Model Validation jobs in Texas? For Credit Risk Model Validation jobs in Texas, the most frequently searched job titles are:
What job categories do people searching Credit Risk Model Validation jobs in Texas look for? The top searched job categories for Credit Risk Model Validation jobs in Texas are:
Credit Risk Model Validation jobs near you

Senior Credit Risk Modeling Analyst

TriQuest Business Services

San Antonio, TX • Hybrid

$115K/yr

Other

Posted 3 days ago

Job description

Job Title: Senior Credit Risk Modeling Analyst

Location: San Antonio, TX (Hybrid)
Salary: $115,000
Industry: Financial Services / Credit Risk

About the Role

We are seeking a highly analytical Senior Credit Risk Modeling Analyst to help build and lead the next generation of credit underwriting models within a growing financial institution. This is a ground-floor opportunity to bring credit risk modeling in-house, moving the organization from reporting-focused analytics to advanced, data-driven decisioning.

You will serve as the subject matter expert on a small team, owning the full model lifecycle-from development and validation to monitoring and optimization-while helping elevate the team's overall modeling capabilities.

Key Responsibilities

Model Development & Strategy

  • Design and develop credit risk models for loan underwriting using internal and external data
  • Lead major model refresh initiatives using historical application and performance data
  • Build decision-tree and predictive models to improve approval strategies and risk outcomes

Model Lifecycle Ownership

  • Own end-to-end model lifecycle: development, documentation, validation, and deployment
  • Monitor model performance and identify trends or deviations from expectations
  • Recommend and implement enhancements based on performance insights

Data & Tools

  • Work within Databricks using SQL and Python for data extraction, transformation, and modeling
  • Integrate internal datasets with third-party data sources (e.g., Experian)
  • Support model deployment within external platforms (e.g., PCOE / Strategy Design Studio)

Collaboration & Stakeholder Engagement

  • Partner with analysts to support reporting, testing, and monitoring efforts
  • Work with audit, risk, and leadership teams to defend model assumptions and decisions
  • Collaborate with external vendors on model implementation and optimization
  • Communicate complex modeling concepts to both technical and non-technical stakeholders
Qualifications
  • Bachelor's degree in Finance, Statistics, or a quantitative field (Master's preferred)
  • 5+ years of experience in credit risk modeling or similar quantitative role
  • Hands-on experience building and validating credit risk or underwriting models
  • Strong experience with SQL and Python (R or other tools a plus)
  • Experience working in a regulated financial environment (bank or credit union preferred)
  • Ability to explain and defend models under audit and regulatory review
  • Strong analytical thinking and problem-solving skills
Preferred Experience
  • Experience with Experian PCOE / Strategy Design Studio
  • Exposure to CECL or credit loss modeling frameworks
  • Experience integrating third-party credit bureau data into models
  • Background working with Databricks or similar data platforms
Work Environment & Culture
  • Hybrid schedule (~30% onsite; team works in-office on designated weeks)
  • Collaborative, high-growth environment with a small, developing team
  • Leadership style is hands-off, with strong support for removing roadblocks
  • Opportunity to shape and expand the organization's credit risk modeling function

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