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Credit Risk Modeler Jobs in Florida (NOW HIRING)

Amerantbank

Credit Risk Metrics Specialist

Tampa, FL · On-site

Ensure model documentation is up to date and in accordance with regulatory requirements. * Maintain ACL procedures manuals up to date in line with current process * Estimate loss provisions forecast ...

Amerantbank

Credit Risk Metrics Specialist

Miami, FL · On-site

Ensure model documentation is up to date and in accordance with regulatory requirements. * Maintain ACL procedures manuals up to date in line with current process * Estimate loss provisions forecast ...

USAA

Lead Analyst, Credit Risk Strategy

Tampa, FL · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

The Opportunity As a dedicated Bank Credit Risk Analyst Lead, you will have a strong background in ... May have model ownership responsibilities and drive accountability for quantitative model ...

BNY

Senior Vice President, Credit Risk

Lake Mary, FL · On-site

$143K - $190K/yr

... models. Contribute to development of risk management systems. Develop or implement risk-assessment ... Perform Credit Analysis & Approval/Portfolio Management by completing complex analyses of industry ...

BNY

Senior Vice President, Credit Risk

Lake Mary, FL · On-site +1

$143K - $190K/yr

... models. Contribute to development of risk management systems. Develop or implement risk-assessment ... Perform Credit Analysis & Approval/Portfolio Management by completing complex analyses of industry ...

BNY Mellon

Senior Vice President, Credit Risk

Lake Mary, FL · On-site

$143K - $190K/yr

... models. Contribute to development of risk management systems. Develop or implement risk-assessment ... Perform Credit Analysis & Approval/Portfolio Management by completing complex analyses of industry ...

USAA

Director, Bank Credit Risk - Retail Banking

Tampa, FL

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

May have model ownership responsibilities and drive accountability for quantitative model ... Demonstrated experience proposing credit risk changes, evaluation and recommendation of new models ...

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Credit Risk Modeler information

See Florida salary details

$105.4K

$122.9K

$158.8K

How much do credit risk modeler jobs pay per year?

As of Aug 15, 2026, the average yearly pay for credit risk modeler in Florida is $122,895.00, according to ZipRecruiter salary data. Most workers in this role earn between $112,200.00 and $125,800.00 per year, depending on experience, location, and employer.

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

To thrive as a Credit Risk Modeler, you need a solid background in quantitative finance, statistics, and data analysis, often supported by a degree in mathematics, finance, or a related field. Familiarity with programming languages such as Python, R, or SAS, as well as experience with risk modeling frameworks and regulatory requirements like Basel III, is typically required. Strong analytical thinking, attention to detail, and effective communication make a candidate stand out in this role. These skills are crucial for accurately predicting credit risk, ensuring regulatory compliance, and supporting informed decision-making in financial institutions.

How does a credit risk modeler typically collaborate with other departments within a financial institution?

Credit Risk Modelers frequently work alongside data scientists, underwriters, compliance teams, and business analysts to develop and refine risk assessment models. Collaboration with IT teams is common for implementing models into production systems, while regular interaction with regulatory and compliance groups ensures models meet legal standards. Effective communication with stakeholders is essential to translate technical findings into actionable business strategies, making cross-functional teamwork a key part of the role.

What does a credit risk modeler do?

A Credit Risk Modeler is responsible for developing statistical models and analytical tools to assess the likelihood that borrowers will default on their loans or credit obligations. They use data analysis, statistical techniques, and machine learning algorithms to predict credit risk and help financial institutions make informed lending decisions. Their work involves gathering and cleaning data, building predictive models, validating model performance, and ensuring compliance with regulatory standards. Credit Risk Modelers play a crucial role in managing a bank's or lender's exposure to financial risk and maintaining a healthy loan portfolio.

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

AspectCredit Risk ModelerCredit Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; often certifications like FRM or CFABachelor's degree in finance, accounting, or related field; certifications like CFA are common
Work EnvironmentQuantitative teams, risk management departments, financial institutionsBank branches, lending departments, credit departments
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending companies, credit bureaus

The main difference is that Credit Risk Modelers develop statistical models to assess and predict credit risk, focusing on quantitative analysis. Credit Analysts evaluate individual creditworthiness of borrowers, primarily through financial statement analysis and credit reports. Both roles require financial knowledge, but Modelers are more data and model-focused, while Analysts are more client and credit evaluation-focused.

What are popular job titles related to Credit Risk Modeler jobs in Florida?

For Credit Risk Modeler jobs in Florida, the most frequently searched job titles are:

What job categories do people searching Credit Risk Modeler jobs in Florida look for?

The top searched job categories for Credit Risk Modeler jobs in Florida are:

What cities in Florida are hiring for Credit Risk Modeler jobs?

Cities in Florida with the most Credit Risk Modeler job openings:

What are popular job titles related to Credit Risk Modeler jobs in FL?

For Credit Risk Modeler jobs in FL, the most frequently searched job titles are:

Credit Risk Modeler jobs near you
Infographic showing various Credit Risk Modeler job openings in Florida as of August 2026, with employment types broken down into 1% As Needed, 87% Full Time, 9% Part Time, and 3% Contract. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution, with an average salary of $122,895 per year, or $59.1 per hour.

Senior Data Scientist - Credit Risk Modeler

JM Family Enterprises

Deerfield Beach, FL • On-site

Full-time

Re-posted 5 days ago

JM Family Enterprises rating

9.1

Company rating: 9.1 out of 10

Based on 15 frontline employees who took The Breakroom Quiz

3rd of 152 rated car dealerships

Job description

The Senior Data Scientist - Credit Risk Modeler will work in the Analytics Department of Southeast Toyota Finance (SETF), which is part of JM Family Enterprises. They will lead the development, validation, and implementation of CECL models and frameworks at the account level.
This individual will need to have a solid statistical, mathematical and programming skills with experience in credit risk modeling. This role requires cross-functional collaboration with partner teams such as Finance and Accounting to ensure accurate estimation of credit losses.
This position operates in a hybrid work model based in Deerfield Beach, FL (3 days per week onsite).
Responsibilities:
  • Lead the development and implementation of account-level loss forecasting models- Probability of Default, Exposure at Default, Loss Given Default, Prepay curves or models, and other forward-looking credit risk models.
  • Develop and maintain documentation, code, and implementation documents in compliance with best practices and standards.
  • Perform back testing and benchmarking exercises to ensure model accuracy and robustness.
  • Conduct assessments for overlays/adjustments and maintain accurate documentation in accordance with best practices and standards.
  • Analyze large datasets in a panel framework with the ability to perform sampling, exploratory analysis, outlier analysis, standardization, data transformation, and segmentation analysis.
  • Conduct stress testing, scenario analysis and sensitivity testing.
  • Proficiently communicate complex technical concepts to stakeholders.
  • Work on end-to-end modeling processes, including data procurement, model estimation, implementation and deployment, and monitoring and testing.
  • Provide insights from the models and modeling exercises to support business risk management and strategies.
  • Track the portfolio in detail. Analyze and report on the findings. Provide forecasts. Provide detailed explanatory analysis and make recommendations to senior management; Proactively identifying risks and opportunities based on current trends and future outlooks.
  • Collaborate with cross-functional teams, including accounting, finance, risk, and other company stakeholders.

Qualifications:
  • A master's or Ph.D. degree in statistics, data science, operations research, mathematics, and/or other quantitative analysis is required
  • 5+ years of financial, credit risk, and analytics resource management; indirect automotive lending experience and/or consumer lending preferred.
  • Minimum of 5 years of statistical modeling and/or quantitative analysis experience
  • Experience in using Python, SAS, R, or any comparable statistical or data extraction software is preferred.
  • Experience managing advanced modeling projects and collaborating well with other team members.
  • Well-developed interpersonal and communication skills (verbal and written)
  • Ability to diplomatically communicate findings across departments and to upper management.
  • Ability to successfully operate with multiple priorities and changing directives. Self-motivated with the ability to anticipate department needs, discern work priorities, and meet deadlines.
  • Forward thinker who actively seeks opportunities and proposes solutions.
  • Must be a highly detailed process-driven individual who demonstrates success at building trust and influence while driving for results with and through people.

#LI-AM1
This job description may not be inclusive of all assigned duties, responsibilities, or aspects of the job described, and may be amended at any time at the sole discretion of JM Family. All work arrangements are subject to associate performance, business need and manager discretion, and may be revised as necessary.
JM FAMILY IS PROUD TO BE AN EQUAL OPPORTUNITY EMPLOYER
JM Family Enterprises, Inc. is an Equal Employment Opportunity employer. We are committed to recruiting, hiring, retaining, and promoting qualified associates without regard any characteristic protected by law - whether actual or perceived - including race, color, creed, religion, national origin, ancestry, citizenship status, age, sex or gender (including pregnancy, childbirth, related medical conditions and lactation), gender identity gender expression, sexual orientation, marital status, military service, veteran status, disability, protected medical condition as defined by applicable state or local law, genetic information, or any other characteristic protected by applicable federal, state, provincial, or local law.
DISABILITY ACCOMMODATIONS
If you have a disability and require a reasonable accommodation to complete the job application process, please contact JM Family's Talent Acquisition department at talentacquisition@jmfamily.com for assistance. If you have an accommodation request for one of our recruiting events, please notify us at least 72 hours prior so that we may provide assistance.

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