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Credit Risk Modeler Jobs in Miami, FL (NOW HIRING)

OneSearch Group

Senior Credit Analyst

Miami, FL

... risk assessment. * Perform detailed financial analysis, including cash flow modeling, global cash flow analysis, debt service coverage ratios, guarantor analysis, projections, and industry review.

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

Deloitte

Financial Risk Manager

Miami, FL · On-site

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 ...

Career Renew

Strategy and Analytics, Credit

Miami, FL · On-site +1

$180K - $220K/yr

... models and insights from a team of top risk analysts. We proudly serve a broad array of financial ... S. banks to leading credit unions and fintech unicorns to help stop fraud at account opening and ...

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

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All JobsCredit Risk Modeler JobsCredit Risk Modeler Jobs in Miami, FL

Credit Risk Modeler information

See Miami, FL salary details

$122.2K

$142.4K

$184K

How much do credit risk modeler jobs pay per year?

As of Jun 12, 2026, the average yearly pay for credit risk modeler in Miami, FL is $142,386.00, according to ZipRecruiter salary data. Most workers in this role earn between $130,000.00 and $145,700.00 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 Miami, FL? For Credit Risk Modeler jobs in Miami, FL, the most frequently searched job titles are:
What job categories do people searching Credit Risk Modeler jobs in Miami, FL look for? The top searched job categories for Credit Risk Modeler jobs in Miami, FL are:
Credit Risk Modeler jobs near you
Infographic showing various Credit Risk Modeler job openings in Miami, FL as of June 2026, with employment types broken down into 1% As Needed, 85% Full Time, 11% Part Time, 1% Temporary, and 2% Contract. Highlights an 89% Physical, 3% Hybrid, and 8% Remote job distribution, with an average salary of $142,386 per year, or $68.5 per hour.
Credit Risk Analytics Manager-Finance

Credit Risk Analytics Manager-Finance

BankUnited

Miami Lakes, FL • On-site

Full-time

Posted 10 days ago

Job description

SUMMARY: Reporting to the Director of ACL, the Credit Risk Analytics Manager is part of a dynamic team of talented professionals whose task is to manage and maintain the credit risk models used to produce the allowance for credit losses (ACL) and other credit risk estimates. The Credit Risk Analytics Manager uses a combination of quantitative, modeling, communication, and technical reporting skills to manage third-party credit risk models and lead rigorous model validations, back testing, monitoring, and governance processes.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.
  • SME for Moody's credit risk models CMM, RiskCalc, and MPA, coordinating model releases, inputs, overlays, change logs and stewarding data quality and lineage for production use.
  • Leads end-to-end validation lifecycle with Model Risk Management, Internal Audit, and external validators: assemble validation packages, respond to findings, track remediation actions, and maintain current model inventory and governance.
  • Maintains and updates comprehensive model documentation (purpose, data lineage, key assumptions, segmentation, limitations, monitoring thresholds) to meet regulatory/audit expectations
  • Designs and executes ongoing performance monitoring and back testing, produce concise insights, and recommend remediation/challengers if warranted
  • Advance/benchmark model usage by leveraging internal and external data to improve accuracy and business utility for CECL, attribution, and risk decomposition
  • Supports the quarterly CECL production cycle in partnership with the ACL manager
  • Builds recurring and ad-hoc dashboards and reports (Tableau, Excel, PowerPoint, Word) for senior and technical audiences.
  • Partners with Data/Technology on data quality and controls, metadata/lineage, and fit-for-purpose datasets supporting validation and CECL activities.
  • 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.

SUPERVISORY RESPONSIBILITIES
  • Supervises function, projects or services and/or one or more employees, as applicable.
  • Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.
  • Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance coaching; rewarding and disciplining employees; addressing complaints and resolving problems.

EDUCATION
Bachelor's Degree in a quantitative discipline (eg Statistics, Finance, Mathematics, Engineering, Economics) required. Advanced degree in a quantitative discipline (PhD or MSc in a STEM discipline or Economics/Finance) preferred.
EXPERIENCE
  • 5+ years' experience in financial services with significant exposure to credit risk analytics/modeling required
  • Deep understanding of credit risk concepts (PD, LGD,and EAD) and credit risk models (PD/LGD, Scorecards, among others) required
  • Demonstrated direct experience of model ownership/monitoring, model development, and/or model validation, including concepts such as backtesting, sensitivity testing, and benchmarking required
  • Experience with statistical and quantitative modeling techniques is required required
  • Experience with programming and statistical packages languages, particularly Python, required required
  • Strong experience building dashboards and structured reporting packages required

CERTIFICATES, LICENSES, REGISTRATIONS
  • CFA, PRM, FRM a plus.

KNOWLEDGE, SKILLS AND ABILITIES
  • Excellent communication skills with the ability to analyze and explain findings and remediations.
  • Working knowledge with model risk management regulatory guidance (SR 11-7, OCC 2011-12, FDIC FIL-22-2017)
  • Ability to work under pressure, meet deadlines, manage competing initiatives and adapt to an ever-changing work pace with a focus on accuracy and attention to detail.
  • Strong interpersonal skills to aid in working with different divisions within the company

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

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