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Credit Risk Model Validation Jobs in Texas (NOW HIRING)

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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 Sep 9, 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 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 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 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
Infographic showing various Credit Risk Model Validation job openings in Texas as of September 2026, with employment types broken down into 1% As Needed, 80% Full Time, 11% Part Time, 2% Temporary, and 6% Contract. Highlights an 86% Physical, 3% Hybrid, and 11% Remote job distribution, with an average salary of $106,098 per year, or $51 per hour.

Risk Management - Stress Testing Lead - Vice president

Plano, TX • On-site

Next Frontier Capital
Investment Clubs and Venture Capital Companies • 1 - 10 employees
Learn more about Next Frontier Capitalexternal

$200 - $250/hr

Other

Medical, Retirement

Posted 4 days ago

Job description

At JPMorgan Chase, risk professionals don't just manage risk — they anticipate it, challenge assumptions, and help the firm grow responsibly. As part of our Risk Management and Compliance organization, you will be at the center of keeping JPMorgan Chase strong and resilient, using your expert judgment to solve real-world challenges that impact our company, customers, and communities. This is a high-visibility opportunity to influence wholesale credit loan loss estimation while collaborating with senior executives and cross-functional partners across one of the world's leading financial institutions. Our culture is all about thinking outside the box, challenging the status quo, and striving to be best-in-class — and we're looking for someone who shares that mindset.

As a Wholesale Credit Risk Loan Loss Forecasting Vice President in the Commercial & Investment Bank Risk organization, you will play a critical role in shaping the integrity and quality of the firm's wholesale credit loan loss estimates — spanning over $1 trillion in client exposure across diverse lines of business and industry segments. You will collaborate with senior executives and partners across Risk, Finance, and the broader firm to deliver high-quality analytics and methodology insights that inform quarterly allowance and stress testing exercises. You will be part of a diverse, talented, and global team where your ideas are welcomed, your voice matters, and your work has direct, measurable impact on firmwide risk and finance programs.

Job Responsibilities
  • Review top-level and loan-level allowance and stress testing results for reasonability, accuracy, and alignment with portfolio trends
  • Assess risks and support estimation of qualitative loan loss reserves, incorporating management judgment, industry data, and emerging or idiosyncratic risk factors
  • Calculate, analyze, and communicate key modeling parameters — including Probability of Default, Loss Given Default, Exposure at Default, and Rating Migration — and translate these into actionable loss estimates
  • Develop and continuously deepen expertise in allowance and stress testing estimation processes, informing methodology across CECL and CCAR forecasting exercises
  • Lead portfolio trend and sensitivity analyses across macroeconomic scenarios, portfolio stress tests, and assumption changes to support strategic decision-making
  • Facilitate the Quarterly Capital Stress Testing scenario design process and support annual stress testing risk theme selection and scenario design for the wholesale credit portfolio
  • Prepare and present materials to senior management and firmwide stakeholders, tailoring messaging and level of detail to diverse audiences
  • Collaborate across lines of business and with partners in Corporate Finance, External Reporting, Quantitative Research, Model Risk, and Technology to drive consensus and execute on shared objectives
Required qualifications, capabilities, and skills
  • Bachelor's degree in Business, Finance, Accounting, or a related field
  • 5+ years of experience within the financial services industry, preferably within the banking sector
  • Familiarity with Commercial and Industrial and Commercial Real Estate loans and lending-related commitments
  • Knowledge of CECL credit loss accounting standards
  • Knowledge of the CCAR regulatory framework and stress testing requirements
  • Demonstrated ability to collaborate across diverse groups, build consensus, and execute on agreed plans while managing multiple concurrent workstreams in a fast-paced environment
  • Strong oral and written communication skills, including the ability to distill complex topics into clear, concise messaging for senior management
  • Proficiency in Microsoft Excel, PowerPoint, and other Office applications
Preferred qualifications, capabilities, and skills
  • Advanced degree (e.g., MBA, Master's in Finance, Economics, or a quantitative discipline) or professional certification such as Chartered Financial Analyst (CFA) or Financial Risk Manager (FRM)
  • Hands-on experience with quantitative credit risk modeling or model validation within a wholesale lending environment
  • Experience working within a large, matrixed financial institution across Risk, Finance, or related functions
  • Proficiency in data analysis and visualization tools such as Tableau or Alteryx
  • Familiarity with regulatory reporting frameworks and external financial disclosures related to credit loss estimation

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world. Shape firmwide credit risk strategy — your expertise in loan loss forecasting will drive impact across a $1T+ wholesale portfolio.

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