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Credit Risk Modeling Jobs in Texas (NOW HIRING)

GM Financial

Risk Credit Policy Analyst II

Irving, TX · On-site

Risk Credit Policy Analyst II is responsible for analyzing credit risk exposure related to consumer ... Experience with respect to data analysis and spreadsheet modeling and/or reporting * Experience ...

Anew Climate LLC

Global Risk Manager (6683)

Houston, TX · On-site

... credits, RECs, LCFS, EU ETS, voluntary markets). · Experience working with global trading desks or multi-jurisdictional risk frameworks. · Proficiency with risk modeling tools, data analytics ...

GM Financial

Risk Credit Policy Analyst II

Irving, TX · Hybrid

Experience with respect to data analysis and spreadsheet modeling and/or reporting * Experience ... Risk Credit Policy Analyst II is responsible for analyzing credit risk exposure related to consumer ...

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Credit Risk Modeling information

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$25.1K

$95.5K

$179.8K

How much do credit risk modeling jobs pay per year?

As of Jun 8, 2026, the average yearly pay for credit risk modeling in Texas is $95,450.00, according to ZipRecruiter salary data. Most workers in this role earn between $64,198.00 and $114,326.00 per year, depending on experience, location, and employer.

What is a Credit Risk Modeling job?

A Credit Risk Modeling job involves developing statistical models and analytical techniques to assess the credit risk of individuals or businesses. Professionals in this role analyze financial data, borrower behavior, and economic trends to predict the likelihood of default and assist in making informed lending decisions. They use techniques such as logistic regression, machine learning, and Monte Carlo simulations to quantify risk. Credit risk modelers work closely with risk management teams, regulators, and financial institutions to ensure compliance with industry standards. Their insights help optimize loan approvals, set credit limits, and manage overall portfolio risk.

What are the key skills and qualifications needed to thrive in the Credit Risk Modeling position, and why are they important?

To thrive in Credit Risk Modeling, you need strong analytical skills, proficiency in statistics and finance, and typically a degree in mathematics, statistics, economics, or a related field. Familiarity with programming languages like Python, R, or SAS, as well as experience using statistical modeling software and risk management platforms, are highly valued. Excellent communication, critical thinking, and collaborative abilities help translate complex data insights for stakeholders and work effectively within cross-functional teams. These skills are crucial for designing accurate risk models that inform sound lending decisions and maintain financial stability for organizations.

What are typical daily responsibilities for someone working in Credit Risk Modeling?

Professionals in Credit Risk Modeling spend their days developing and validating statistical models to assess the likelihood of credit defaults, analyzing large data sets to identify risk factors, and compiling detailed reports on their findings. They collaborate closely with data scientists, underwriters, credit analysts, and sometimes regulatory teams to ensure models meet business and compliance standards. Additionally, they often participate in meetings to discuss portfolio performance or proposed policy changes. This role involves a balance of technical analysis, documentation, and cross-functional communication, making it dynamic and integral to financial decision-making.

What are the most commonly searched types of Credit Risk Modeling jobs in Texas? The most popular types of Credit Risk Modeling jobs in Texas are:
What are popular job titles related to Credit Risk Modeling jobs in Texas? For Credit Risk Modeling jobs in Texas, the most frequently searched job titles are:
What job categories do people searching Credit Risk Modeling jobs in Texas look for? The top searched job categories for Credit Risk Modeling jobs in Texas are:
What cities in Texas are hiring for Credit Risk Modeling jobs? Cities in Texas with the most Credit Risk Modeling job openings:
Credit Risk Modeling jobs near you
Infographic showing various Credit Risk Modeling job openings in Texas as of May 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $95,450 per year, or $45.9 per hour.
Commercial & Investment Bank Credit Risk - Associate (Energy)

Commercial & Investment Bank Credit Risk - Associate (Energy)

JPMorgan Chase & Co.

Houston, TX • On-site

Full-time

Medical, Retirement

Posted 7 days ago

JPMorgan Chase & Co. rating

8.1

Company rating: 8.1 out of 10

Based on 468 frontline employees who took The Breakroom Quiz

46th of 141 rated banks

Job description

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 an Energy Credit Risk Associate in Commercial & Investment Bank Risk - Energy, Power and Renewables, you will lead and support credit origination and portfolio management across investment grade and leveraged clients. You will partner with coverage and product teams to structure, analyze, negotiate, and approve new credit exposure while maintaining strong risk governance. You will help us identify emerging risks, monitor portfolio performance, and contribute to developing junior talent on a collaborative, high-performing team.
Job responsibilities
  • Assess key risks across clients, transactions, and energy sub-sectors within an assigned portfolio
  • Develop forward-looking risk views on companies, structures, industry dynamics, and competitive threats
  • Participate in client due diligence to deepen understanding of business models, management teams, and sectors
  • Build and analyze financial models to test downside cases and support risk-based structuring recommendations
  • Prepare credit approval materials and present transactions for approval in line with credit risk policies
  • Negotiate deal terms, covenants, and legal documentation with deal teams to align with approved risk appetite
  • Maintain accurate, forward-looking risk ratings and communicate key developments to stakeholders
  • Identify deteriorating credits early and drive proactive risk management actions
  • Analyze and present waivers, amendments, and extensions for approval
  • Deliver periodic portfolio reporting, including quarterly snapshots and annual reviews for senior management
  • Mentor and coach analysts while partnering with middle office teams to maintain high-quality credit data

Required qualifications, capabilities, and skills
  • Demonstrated credit, lending, negotiation, loan documentation, and financial modeling skills
  • Experience performing credit analysis and recommending risk-appropriate financing structures
  • Ability to manage multiple priorities and perform well under pressure in a demanding environment
  • Strong attention to detail and a consistent, high-quality work ethic
  • Ability to work independently with accountability while collaborating effectively as part of a team
  • Strong interpersonal and communication skills, including comfort representing JPMorganChase in client interactions
  • Proficiency in Microsoft Office applications, especially Excel, PowerPoint, and Word
  • Bachelor's degree (preferably in finance, accounting, economics, or another quantitative discipline)

Preferred qualifications, capabilities, and skills
  • Experience covering oil and gas, power, utilities, and renewable companies
  • Completion of a commercial or investment bank credit training program (or equivalent experience) and knowledge of bank credit policies and procedures
  • Minimum 3 years of commercial or investment banking lending experience, including credit underwriting, structuring, and origination
  • Master of Business Administration degree

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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