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Credit Risk Modeler Jobs in Texas (NOW HIRING)

S&P Global

Senior Credit Product Specialist

Dallas, TX · On-site

You will engage in discussions ranging from foundational credit risk concepts to enterprise-wide, multi-product analytical solutions involving quantitative modeling, regulatory compliance, workflow ...

T-Mobile

Sr Analysts, Credit Risk Mgmt

Frisco, TX · On-site

$105K - $115K/yr

... Credit Risk Management is located in Frisco, TX and will perform complex qualitative and ... Develop predictive financial and analytical models using appropriate statistical methodologies ...

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All JobsCredit Risk Modeler JobsCredit Risk Modeler Jobs in Texas

Credit Risk Modeler information

See Texas salary details

$112K

$130.5K

$168.6K

How much do credit risk modeler jobs pay per year?

As of Aug 19, 2026, the average yearly pay for credit risk modeler in Texas is $130,506.00, according to ZipRecruiter salary data. Most workers in this role earn between $119,200.00 and $133,600.00 per year, depending on experience, location, and employer.

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 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 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 Texas?

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

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

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

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

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

Credit Risk Modeler jobs near you
Infographic showing various Credit Risk Modeler job openings in Texas as of August 2026, with employment types broken down into 86% Full Time, and 14% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $130,506 per year, or $62.7 per hour.

Risk Management - Real Estate Credit Risk Associate

JPMorgan Chase & Co.

Plano, TX • On-site

Full-time

Medical, Retirement

Posted 6 days ago

JPMorgan Chase & Co. rating

8.0

Company rating: 8.0 out of 10

Based on 495 frontline employees who took The Breakroom Quiz

72nd of 171 rated banks

Job description


Bring your Expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.
As a Real Estate Credit Risk Associate in Commercial and Investment Bank Real Estate Credit Risk team, you will provide independent credit risk assessment and support credit approval for loans and lending-related commitments. You cover a portfolio of leading real estate, lodging, gaming, homebuilding, and real estate services clients across a range of credit products, including corporate facilities, asset-level financings, repos, risk retention, derivatives, and treasury lines. You develop forward-looking credit views, maintain risk ratings and research, and partner with bankers and risk colleagues to support disciplined growth and effective portfolio monitoring.
Job responsibilities:
  • Conduct credit analysis and support senior credit officer approval of lending and trading-related transactions, including operating exposures
  • Prepare written credit approval documents, including spreading and analysis of historical financial statements and projections of future cash flows
  • Develop forward-looking views of business, financial performance, and key risks for covered companies and sectors
  • Manage and monitor a portfolio of client credit exposures on an ongoing basis
  • Participate in negotiating, finalizing, and executing documentation for loans and derivatives
  • Assign risk ratings and maintain updated credit research for portfolio clients
  • Support active management of the commercial real estate portfolio, including surveillance and portfolio management projects

Required qualifications, capabilities, and skills:
  • Bachelor's degree in finance, Accounting, Business, Economics, or a related discipline
  • 3 years plus of professional experience in corporate or commercial credit, investment banking, or relevant financial services or rating agency experience
  • Academic training in accounting, corporate finance, capital markets products, and macroeconomics
  • Strong financial analysis and modeling skills
  • Strong written and verbal communication skills with effective interpersonal abilities
  • Proficiency in Microsoft Office, including Excel, PowerPoint, and Word

Preferred qualifications, capabilities, and skills:
  • Experience with a corporate bank credit team or at a credit rating agency
  • Experience in real estate or corporate credit coverage

About Us
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
About the Team
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.

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