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Freelance Credit Risk Modeling Jobs in Utah (NOW HIRING)

Medallion Bank

Credit Risk Manager

Salt Lake City, UT · Hybrid

Analytical professional responsible for supporting credit risk management across Medallion Bank ... Partner with Data Analytics and Finance teams on data acquisition, model validation support ...

Medallion Bank

Credit Risk Manager

Salt Lake City, UT · On-site

Analytical professional responsible for supporting credit risk management across Medallion Bank ... Partner with Data Analytics and Finance teams on data acquisition, model validation support ...

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Freelance Credit Risk Modeling information

What are the key skills and qualifications needed to thrive as a Freelance Credit Risk Modeler, and why are they important?

To thrive as a Freelance Credit Risk Modeler, you need a strong background in statistics, quantitative finance, and data analysis, typically supported by a degree in finance, mathematics, or a related field. Proficiency in programming languages such as Python, R, or SAS, along with experience using risk modeling software and knowledge of regulatory frameworks like Basel III, is crucial. Excellent communication, project management, and client relationship skills help distinguish top freelancers in this role. These abilities are essential for delivering accurate risk assessments, meeting client expectations, and maintaining compliance in a dynamic financial environment.

How do freelance credit risk modelers typically collaborate with clients and other stakeholders during projects?

Freelance credit risk modelers usually work closely with client teams such as credit analysts, data engineers, and compliance officers to understand data sources, project objectives, and regulatory requirements. Communication often occurs through regular virtual meetings, progress reports, and collaborative tools to ensure transparency and alignment. Freelancers must be proactive in clarifying goals, sharing preliminary findings, and incorporating feedback to deliver models that meet both technical and business needs. Building strong client relationships and maintaining clear documentation are key to successful collaboration in this role.

What is freelance credit risk modeling?

Freelance credit risk modeling involves independent professionals analyzing and predicting the likelihood that borrowers or counterparties will default on financial obligations. These freelancers use statistical methods, machine learning models, and data analysis to assess credit risk for banks, lenders, or other firms. Their work helps organizations make informed lending decisions, set appropriate interest rates, and comply with regulatory requirements. Freelancers in this field may work on projects like developing credit scorecards, stress testing portfolios, or validating existing risk models.

What is the difference between Freelance Credit Risk Modeling vs Credit Analyst?

AspectFreelance Credit Risk ModelingCredit Analyst
CredentialsRelevant certifications (e.g., CFA, credit risk certifications), strong quantitative skillsTypically requires a degree in finance, economics, or related field; certifications are a plus
Work EnvironmentIndependent, project-based, remote or client-siteUsually in banks, financial institutions, or corporate offices
Industry UsageUsed by consulting firms, freelance platforms, and financial servicesEmployed directly by financial institutions or corporations
Comparison Search IntentUnderstanding freelance opportunities in credit risk modelingAssessing creditworthiness and risk for lending decisions

Freelance Credit Risk Modeling involves independent, project-based work focusing on developing risk models, often remotely. Credit Analysts work within organizations to evaluate creditworthiness, typically in a structured environment. While both roles require financial expertise and similar credentials, their work settings and employment types differ significantly.

What are the most commonly searched types of Credit Risk Modeling jobs in Utah? The most popular types of Credit Risk Modeling jobs in Utah are:
What are popular job titles related to Freelance Credit Risk Modeling jobs in Utah? For Freelance Credit Risk Modeling jobs in Utah, the most frequently searched job titles are:
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What cities in Utah are hiring for Freelance Credit Risk Modeling jobs? Cities in Utah with the most Freelance Credit Risk Modeling job openings:
Freelance Credit Risk Modeling jobs near you
Credit Risk Manager

Credit Risk Manager

Medallion Bank

Salt Lake City, UT • Hybrid

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 9 days ago

Job description

Please Note:This is a Utah-based hybrid position, which will require some regular in-office days each week. Additionally, employment with Medallion Bank is contingent on passing both a background check and maintaining a clean background.


Who we are:

At Medallion Bank we finance fun! We are an industrial loan bank that specializes in providing consumer loans for the purchase of recreational vehicles, boats, home improvement, and offering loan origination services to fintech partners. We work directly with thousands of dealers, contractors and financial service providers serving their customers throughout the United States. Medallion Bank is a small company with a big impact. We recognize our employees as our greatest asset and have a culture to prove it!


How you will support the team:

Analytical professional responsible for supporting credit risk management across Medallion Bank's Recreation Lending andHome ImprovementInstallment portfolios.Reports to and worksclosely with the VP, Senior Credit Officer to deliver actionable data insights, credit policy analysis, and portfolio reporting that drive sound credit decisions and inform risk strategy.


What you will do:

  • Design, build, and maintain KPI/KRI dashboards tracking portfolio health metrics including approval rates, delinquency, loss rates,utilization, and vintage performance across Recreation and Consumer Installment portfolios.
  • Produce vintagecurveand delinquency analyses toidentifyemerging risk trends and informtimelypolicy adjustments.
  • Conduct credit policy rule analyses - including underwriting rule-sharing studies across product lines - to assess policy effectiveness, overlap, and optimization opportunities.
  • Develop and deliver regular executive-level credit reports summarizing portfolio performance, risk segment trends, and key risk indicators for senior management and committee audiences.
  • Support ad hoc analytical requests from the leadership, including scenario modeling, competitive benchmarking, and credit strategy evaluation.
  • Partner with Data Analytics and Finance teams on data acquisition, model validation support,analytics support, report building and use as a general resource for success.
  • Assistinmaintainingand enhancing credit underwriting documentation, policy memoranda, and governance materials.
  • Perform other duties as assigned.


What you need to do that job:

  • Strongproficiencyin statistical programming - R, Python, or SAS - for data wrangling, analytics pipelines, and visualization.
  • Advanced Excel skills including pivot tables, financial modeling, and chart production for executive reporting.
  • Solid understanding of consumer credit fundamentals: underwriting criteria, credit scoring, risk segmentation, delinquency measurement, and loss attribution.
  • Ability to translate complex data analyses into clear, executive-ready presentations and written summaries.
  • Highly organized with strong attention to detail and the ability to manage multiple deliverables concurrently.
  • Collaborative, communicative team player who works effectively across credit, analytics, finance, and product functions.

What you bring with you:

  • Minimum5years of experience in credit risk, financial analytics, or a related quantitative role within banking, fintech, or consumer finance.
  • Bachelor's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative fieldrequired.
  • Demonstrated experience producing portfolio monitoring reports and/or credit performance analytics.
  • Priorexposure to consumer installment, recreation (RV/marine/powersports), or specialty lending portfolios is a plus.
  • Experience with SQL and/or data warehousing platforms (e.g., Snowflake, SQL Server/SSMS) is preferred.

Environment:

  • In office work required with some hybrid work permitted.
  • Overtime and some travel may be required periodically.


Compensation & Benefits:

  • Competitive salary and performance-based incentives
  • Health, dental, and vision insurance
  • 401(k) with company match
  • Paid time off and holidays
  • Professional development opportunities

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