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

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 ...

IDBNY

Portfolio Manager - Middle Markets C+I

Aventura, FL · On-site

$110K - $145K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... 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

Itau

Head of Financial Risk

Miami, FL · On-site

... credit risk, stress testing, and related financial risks. The Head of Financial Risk ensures ... Develop and maintain methodologies, models, limits, controls, dashboards, KPIs, risk reports ...

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 ...

IDBNY

Portfolio Manager - Middle Markets C+I

Aventura, FL · On-site

$110K - $145K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... 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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Showing results 1-20

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 Aug 15, 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?

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 August 2026, with employment types broken down into 1% As Needed, 86% Full Time, 11% Part Time, and 2% Contract. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution, with an average salary of $142,386 per year, or $68.5 per hour.

Credit Risk Metrics Specialist

Amerantbank

Hollywood, FL • On-site

Full-time

Posted 11 days ago

Job description

Calculates and prepares the Allowance for Credit Losses (ACL) report. Coordinates the updated of borrower’s financial information needed for the ACL calculation and updates all related factors (Vintage, WARM, prepayments, line of credit utilization and qualitative factors). Assist in the model validation and ongoing monitoring. Prepares Credit Risk SEC, US-GAPP, OCC and other credit risk financial reporting, development of asset quality presentations, and calculation of Risk Appetite Metrics (RAMs) and Key Risk Indicators (KRIs).


Responsibilities:

Allowance for Credit Losses (ACL):

  • Calculate the Allowance for Credit Losses (ACL) according to the approved model, which requires compiling all needed information from credit related units, downloading portfolio data from the bank’s loan system, running the different models in Impairment Studio, preparing the required reports, and reconcile data to GL.
  • Update the loss factors (Vintage, LGD, WARM, Prepayment, line utilization and qualitative factors) used in the calculation of the ACL.
  • Coordinate the update of borrower’s financial information (DSCR, LTV and Financial Spreads)
  • Prepare all ACL related reports (BRC presentation, financial reporting disclosures)
  • Assist in the ACL model development, documentation, implementation, and on-going performance testing.
  • 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 for the Bank’s budget.

Credit Risk Metrics:

  • Calculate and monitor Risk Appetite Metrics (RAMs) and Key Risk Indicators (KRIs) related to credit risk, asset quality, and portfolio performance.
  • Engage with the business and Enterprise Data Management Office to identify and help remediate data related items including but not limited to data quality, data classification and data descriptions.

Credit Risk Financial Reporting:

  • Prepares Credit Risk SEC, US-GAPP, OCC and other regulatory reporting.
  • Ensures that reports reconcile with Financial Reporting reports.
  • Liaison between Credit Risk and Financial Reporting for the purpose of coordinating regulatory reporting related to Credit Risk.

Other:

  • Work on special projects as required.
  • Identify, evaluate, monitor, and make any recommendation deemed necessary to the Executive Credit Officer and/or senior management to assess, reduce, eliminate, or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, regulations, prescribed practices, internal policies and procedures or ethical standards.
  • Stay abreast of industry changes, trends, and best practices, and assess the potential impact Bank’s credit risk.
  • Continuously look for innovative ways to refine and/or automate processes to gain efficiency and improve operational controls.
  • Interact with internal/external auditors and regulators.
  • Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.

Minimum Education and/or Certifications Requirements:

Bachelor’s degree in business administration, finance, economics or related disciplines, or equivalent experience required.

Minimum Work Experience Requirements:

Minimum of three years of banking experience, ideally in credit risk modeling, and estimating the Allowance for Credit Losses (ACL).

Technical and/or Other Essential Knowledge:

  • Strong quantitative, analytical, and problem-solving skills, with the ability to interpret data, identify emerging risk trends, and translate analysis into clear business insights and actionable recommendations.
  • Advanced proficiency in Microsoft Excel, including complex formulas, pivot tables, data modeling, Power Query, Power Pivot, dashboard development, and VBA programming.
  • Proficiency in Microsoft PowerPoint and Word, with the ability to prepare professional reports, management presentations, and executive summaries.
  • Strong financial analysis and financial modeling skills, including the ability to analyze portfolio performance, credit metrics, and loss trends.
  • Proficiency in data visualization and reporting techniques, including the development of dashboards, trend analyses, and management reports.
  • Strong attention to detail with a demonstrated ability to identify errors, inconsistencies, and potential data quality issues.
  • Excellent written, verbal, and presentation communication skills.
  • Ability to multitask and perform effectively under pressure, managing tight deadlines and shifting priorities.
  • Strong interpersonal skills with the ability to collaborate effectively across teams.
  • Knowledge of banking products, services, and systems.
  • Fully bilingual in Spanish and English preferred.


This position is hybrid/remote work eligible.