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Credit Risk Modeler Jobs in Florida (NOW HIRING)

IDBNY

Portfolio Manager - Middle Markets C+I

Aventura, FL · On-site

$110K - $145K/yr

... amortization modeling * Prepare clear and comprehensive credit memoranda to support renewals ... Strong credit judgment and risk acumen, with the ability to proactively identify emerging risk

BankUnited

Credit Products Officer I

Miami Lakes, FL · On-site

Determine borrower, guarantor and facility risk rating -- Complete all required risk rating models and analyses. * Complete Credit Approval Memorandum and electronic approval memorandum -- Draft ...

BankUnited

Credit Products Officer I

Miami Lakes, FL · On-site

Determine borrower, guarantor and facility risk rating -- Complete all required risk rating models and analyses. * Complete Credit Approval Memorandum and electronic approval memorandum -- Draft ...

Deloitte

Financial Risk Senior Consultant

Miami, FL · On-site

$111K/yr

Credit Risk, Liquidity Risk, Market Risk, Capital Management/Stress Testing * Knowledge of financial services business models, products, and services * Experience in banking, digital assets, or ...

EverBank

Commercial Portfolio Manager

Jacksonville, FL · On-site

... modeling scenarios in accordance with credit policies. * Performs and documents analysis of credit risk, including financial covenants, assures that credits are property risk rated, and modifies ...

Bank of America

Credit Officer II

Miami, FL · On-site

Leads the credit and risk approval processes * Mentors and supports associates Skills: * Client ... Analytical/technical skills, including financial accounting, modeling and loan structuring

Bank of America

Credit Officer II

Tampa, FL

Leads the credit and risk approval processes * Mentors and supports associates Skills: * Client ... Analytical/technical skills, including financial accounting, modeling and loan structuring

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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 Jun 7, 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, and why are they important?

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

Portfolio Manager - Middle Markets C+I

IDBNY

Aventura, FL • On-site

$110K - $145K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 25 days ago

Job description

Portfolio Manager (PM)
Role Summary
The Portfolio Manager (PM) is responsible for independent credit risk management and disciplined execution across the credit portfolio. This role oversees reviews, renewals, modifications, and ongoing portfolio monitoring, partnering closely with Relationship Managers and credit stakeholders to ensure portfolio quality, policy adherence, and proactive identification and management of credit risk.
Key Responsibilities
  • Quarterback credit reviews by managing stakeholders to meet policy, governance, and timing requirements
  • Apply risk-based criteria to qualify accounts, determine appropriate review scope, and assess eligibility for fast-track processes
  • Perform credit underwriting and analysis, including cash flow analysis, collateral assessment, covenant testing, and evaluation of borrower performance trends
  • Engage with borrowers as needed to understand business performance, risk drivers, and potential credit deterioration
  • Lead the renewal process, ensuring timely execution through proactive portfolio and pipeline planning with line-of-business leadership
  • Develop proposed renewal structures, including pricing and term sheets, and perform detailed financial analysis and amortization modeling
  • Prepare clear and comprehensive credit memoranda to support renewals, modifications, and approval decisions
  • Assess and underwrite credit modifications by evaluating materiality, credit impact, and appropriate risk mitigation
  • Monitor ongoing credit performance by testing covenant compliance, maintaining and updating borrower risk ratings, and resolving exceptions
  • Analyze borrowing base and collateral reporting to assess implications for credit exposure and overall risk profile
  • Provide credit inputs and support for internal and external audits, examinations, and governance reviews
Qualifications Required
  • Strong credit judgment and risk acumen, with the ability to proactively identify emerging risk
  • Demonstrated portfolio-level thinking and credit risk management discipline
  • Proven end-to-end ownership and execution discipline across reviews, renewals, and modifications
  • Advanced credit underwriting and financial analysis skills, including cash flow modeling and covenant analysis
  • Effective stakeholder and borrower engagement skills with the ability to communicate complex credit concepts clearly

CompensationThe expected annual salary for this position is between $110,000 and $145,000 at the start of employment. A salary offer is determined on an individualized basis, taking into consideration factors such as an individual's skills and experience. In addition to base salary, our total rewards package also includes eligibility for an annual bonus, medical, pharmacy, dental, and vision plans, life and disability insurance, employee wellness program, retirement and savings plans with employer contributions, generous holiday and paid time off schedules, parental leave, and tuition reimbursement.
Additional InformationThe Bank will make reasonable accommodations to the following employees to allow them to perform the essential functions of their position, except where doing so would result in undue hardship to the Bank:
  • Those with a known mental or physical disability.
  • Pregnant individuals and/or individuals with pregnancy or childbirth-related medical conditions.
  • Victims of domestic violence, sex offenses or stalking.
  • Employees with religious observance and practice obligations.

Any employee who believes he or she needs an accommodation for any of the above reasons should contact their supervisor or a member of Human Resources to request such an accommodation. In each case, the Bank will engage in a good faith written or oral dialogue concerning the individual's accommodation needs; potential accommodations that may address the individual's accommodation needs, including alternatives to a requested accommodation; and the difficulties that such potential accommodations may pose for the employer.
The Bank retains the ultimate discretion to choose the appropriate reasonable accommodation. Upon reaching a final determination at the conclusion of the cooperative dialogue, the Bank will provide the requesting individual with a written final determination identifying any accommodation granted or denied. In addition, the Bank will maintain any information regarding the employee's request and status in the strictest confidence, except as requested by the employee, as required on a need-to-know basis or as otherwise required by law.
DisclaimerThe above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.
All your information will be kept confidential according to EEO guidelines.
We are operating on a Hybrid schedule.NO AGENCIES PLEASE.IDB BANK, INCLUDING ITS SUBSIDIARIES AND DIVISIONS, PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION, SEX, SEXUAL ORIENTATION, NATIONAL ORIGIN, AGE, DISABILITY, GENETIC STATUS, CITIZENSHIP STATUS, MARITAL STATUS, MILITARY OR VETERAN STATUS, CURRENT UNEMPLOYMENT OR ANY OTHER LEGALLY PROTECTED CATEGORY IN ACCORDANCE WITH APPLICABLE FEDERAL, STATE AND LOCAL LAW. NOTHING IN THIS SITE CONSTITUTES A PROMISE OR OFFER OF EMPLOYMENT.
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