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Credit Risk Modeler Jobs in Florida (NOW HIRING)

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 ...

BankUnited

Credit Products Officer II

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 II

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 ...

Bank of America

Credit Officer II

Miami, FL

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

Bank of America

Credit Officer II

Orlando, 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

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All JobsCredit Risk Modeler JobsCredit Risk Modeler Jobs in Florida

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 Jul 4, 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
Infographic showing various Credit Risk Modeler job openings in Florida as of June 2026, with employment types broken down into 1% As Needed, 2% Full Time, 83% Part Time, 4% Temporary, and 10% Contract. Highlights an 87% Physical, 4% Hybrid, and 9% Remote job distribution, with an average salary of $122,895 per year, or $59.1 per hour.
Credit Products Officer I

Credit Products Officer I

BankUnited

Miami Lakes, FL • On-site

Other

This job post has expired today. Applications are no longer accepted.

Job description


SUMMARY: A Credit Products Officer specializes in either Corporate and Industrial (C&I) or Commercial Real Estate (CRE) loan requests and is responsible for preparing complete and accurate credit analyses in a timely manner that meets or exceeds internal business partners' needs, customer expectations, regulatory requirements and leading industry practices. They are accountable for protecting the Bank by providing an unbiased and objective view of the prospective borrower and thoroughly disclosing all identified risks. In addition, this position is responsible for the monitoring and ongoing maintenance of a portfolio, while supporting one or more Relationship Managers in this endeavor.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.
  • Pre-screening Activities (10% of time) * Determine Risk Ratings -- Confirm the Industry Risk Rating (IRR) and Hold Limits as well as determine Borrower's Risk Rating (BRR) using the tools / matrices provided by the bank. * Prepare Spreads -- Prepare spreads in Moody's Risk Origins (C&I) or Excel based sizing templates (CRE) to aid Relationship Manager and Line Management in determining whether to move forward with a request.
  • Underwriting Activities (40% of time) * Determine financial information requirements -- Work with the Relationship Manager to obtain all necessary information to underwrite the credit request. * Assist in preparation of the Pre-Approval Memorandum -- Prepare the financial portion of the pre-approval memorandum to assist Relationship Manager in obtaining concurrence to issue a Term Sheet to a prospective borrower. * Determine due diligence requirements -- Prepare due diligence request for items needed to fully underwrite the credit request and forward to Loan Closing Officer for ordering of due diligence items (lien, credit, UCC, OFAC, etc.). * Perform borrower financial analysis -- Review and analyze borrower financial information including: corporate financial statements, tax returns, and accounts payable and accounts receivable aging to determine borrower financial condition and develop cash flow analysis. * Perform guarantor financial analysis -- Review and analyze personal financial information for guarantors including personal financial statements, tax returns, real estate owned schedules, and liquidity statements to determine financial strength of guarantor. * Review and analyze all 3rd party reports -- Obtain all 3rd party reports and include findings in analysis of financial condition of borrower or guarantor. * Identify and mitigate risks -- Work with Relationship Manager to identify and mitigate all risks and disclose in the credit approval memorandum. * Collaborate in credit structuring -- Work with the Relationship Manager to structure credit requests that serve the best interest of the customer and bank. * Determine borrower, guarantor and facility risk rating -- Complete all required risk rating models and analyses. * Complete Credit Approval Memorandum and electronic approval memorandum -- Draft approval narrative in MS Word and enter the deal into the approval system (e-CAM). * Assemble approval package -- Ensure that the approval package is complete and all supporting schedules / documents are included. Preview with the RM and Line Management for any corrections or changes. * Deliver the Approval Package to Credit Products Manager (CPM), Senior Credit Products Manager (SCPM) or Managing Director of Credit Products (MDCP) depending on Corporate Approval Model -- Obtain affirmation of the credit package and support of the credit request.
  • Approval Activities (10% of time) * Deliver approval package to Credit -- Depending upon the approval authority required by the Corporate Approval Model, assist the CPM, SCPM or MDCP in the delivery of the approval package to the appropriate Credit Officer. * Document approvals -- Once the credit package is approved, ensure all approvals, in whatever approved format, are obtained and properly documented.
  • Post-approval Activities (5% of time) * Finalize credit approval package -- Ensure package is complete and forward to assigned Loan Closing Officer in Loan Administration. * Documentation Review -- Ensure the loan documents accurately reflect the credit approval. * Credit file organization -- Ensure credit information is stored according to the Bank's file storage guidelines. * Draft Post-Approval Modification Memo -- Prepare Modification Memo to document material changes to the approved credit package, as needed.
  • Portfolio Management Activities (30% of time) * Manage financial ticker items: Collect and review financial statements and covenant compliance and borrowing base worksheets from corporate customers. * Perform property inspections: Perform property inspections where applicable and prepare reports. * Process draw requests and extensions: Prepare and process extension requests and draw requests under approved GLOC's conducting MAC check/incurrence test if applicable. * Conduct ongoing credit assessments/reviews: Complete annual, semi-annual or quarterly reviews as required on corporate lending relationships. Prepare monthly Watch list comments and quarterly Criticized Loan Asset Reports where applicable. * Risk Rating Management: Through ongoing portfolio management, seek out early warning signs of deteriorating credit trends and make ongoing assessments relative to credit risk ratings (both positive and negative). * Research: Conduct ongoing research on industries/concepts and identify trends. * Identify cross-sale opportunities: Identify potential cross-sale situations including CRA eligible credits. * Underwrite ACH exposure: Underwrite ACH exposure for borrowing and non-borrowing clients. * Credit File Management: Perform annual review of credit files for accuracy and completeness and maintain electronic back-up of client's key financial records and documentation. * Portfolio Review: Perform ongoing (quarterly) portfolio reviews on credits of particular interest to Team Leader and Credit Administration. * Customer Service: Act as Secondary Officer to service corporate customers relative to credit servicing including participating in credit related calls with existing and prospective borrowers.
  • Underwriting/Portfolio Management Practice Development (5% of time) * Identify opportunities -- Seek out opportunities for continuous improvement in corporate underwriting/portfolio management practices and tools. * Collaborate -- Work with cross-functional teams as needed to develop, test, and deploy underwriting/portfolio management leading practices / tools to remain competitive in the marketplace.
  • Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
  • Adheres to Bank policies and procedures and completes required training.
  • Identifies and reports suspicious activity.

EDUCATION
Bachelor's Degree 4 year college degree in business related field, or other acceptable alternative field required
EXPERIENCE
  • 7-9 Years of credit experience required

KNOWLEDGE, SKILLS AND ABILITIES
  • Must have good accounting skills developed through formal college undergraduate courses (through intermediate accounting) or through acceptable alternative means such as AIB.

ADDITIONAL INFORMATION
  • Candidates residing in locations within BankUnited's footprint may be given preference.


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