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Hourly Credit Risk Modeling Jobs in Vermont (NOW HIRING)

M&T Bank

Flood Analyst I

Burlington, VT · On-site

$22.61 - $37.67/hr

Flood Risk Assessment Assistant Assists with identifying and assessing flood related risks for ... Review approved credit requests for products from different businesses, including Commercial ...

New

Heritage Family Credit Union

ACH Specialist

Rutland, VT · On-site

$25/hr

... risk management. This vital back-office role partners closely with internal teams to support ACH ... Heritage Family Credit Union is a dynamic and member-centric organization committed to making a ...

Heritage Family Credit Union

ACH Specialist

Rutland, VT · On-site

$25/hr

... risk management. This vital back-office role partners closely with internal teams to support ACH ... Heritage Family Credit Union is a dynamic and member-centric organization committed to making a ...

Heritage Family Credit Union

ACH Specialist

Rutland, VT · On-site

$25 - $30/hr

... risk management. This vital back-office role partners closely with internal teams to support ACH ... Heritage Family Credit Union is a dynamic and member-centric organization committed to making a ...

M&T Bank

Flood Analyst I

Burlington, VT

$22.61 - $37.67/hr

Review approved credit requests for products from different businesses, including Commercial ... Identify risk-related issues needing escalation to management. * Promote an environment that ...

New

Evernorth

Community Investments Officer

Burlington, VT · On-site

$80K - $95K/yr

... credit investment opportunities. Representative Responsibilities * Create and maintain ... modeling. * Post investment closing, maintain partner relationships and coordinate with LIHTC Risk ...

Evernorth

Community Investments Officer

Burlington, VT · On-site

$80K - $95K/yr

... credit investment opportunities. Representative Responsibilities * Create and maintain ... modeling. * Post investment closing, maintain partner relationships and coordinate with LIHTC Risk ...

Evernorth

Community Investments Officer

Burlington, VT · On-site

$80K - $95K/yr

... credit investment opportunities. Representative Responsibilities * Create and maintain ... modeling. * Post investment closing, maintain partner relationships and coordinate with LIHTC Risk ...

Puzzle Healthcare

Nurse Practitioner

Bennington, VT · On-site

Monitor readmission risk and help close gaps in post-acute care  * Maintain compliance with post ... model. In accordance with pay transparency guidelines, the estimated hourly equivalent for this ...

Puzzle Healthcare

Nurse Practitioner

Bennington, VT · Remote

$60 - $75/hr

Monitor readmission risk and help close gaps in post-acute care  * Maintain compliance with post ... model. In accordance with pay transparency guidelines, the estimated hourly equivalent for this ...

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All JobsHourly Credit Risk Modeling JobsHourly Credit Risk Modeling Jobs in Vermont

Hourly Credit Risk Modeling information

What is hourly credit risk modeling?

Hourly credit risk modeling is the process of assessing and predicting the likelihood of a borrower defaulting on their financial obligations, with risk evaluated and updated on an hourly basis. This approach is often used by financial institutions and fintech companies that require real-time credit risk analysis for instant lending decisions or ongoing portfolio monitoring. By utilizing real-time data and advanced analytics, hourly credit risk modeling enables lenders to respond quickly to changes in a borrower's financial behavior or external market conditions. This leads to more accurate risk assessments and helps institutions manage their exposure more effectively.

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

AspectHourly Credit Risk ModelingCredit Analyst
Primary FocusDeveloping and implementing credit risk models to assess borrower riskAnalyzing credit data to evaluate creditworthiness of individuals or companies
Required SkillsStatistical analysis, modeling, programming, financial analysisFinancial analysis, credit report review, communication skills
Work EnvironmentFinancial institutions, consulting firms, often project-basedBanks, lending institutions, credit departments
CertificationsOften requires CFA, FRM, or similar certificationsTypically requires finance or accounting degrees; certifications like CFA are common

Hourly Credit Risk Modeling involves creating quantitative models to predict credit risk, often requiring advanced statistical and programming skills. Credit Analysts focus on evaluating individual credit data to make lending decisions. While both roles require financial knowledge and may share certifications, their core responsibilities differ: one is model development, the other is credit evaluation.

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

To thrive as an Hourly Credit Risk Modeler, you need strong quantitative skills, a background in finance, economics, mathematics, or statistics, and experience with credit risk principles. Familiarity with statistical software such as SAS, R, or Python, as well as knowledge of risk modeling frameworks and regulatory requirements, is typically required. Analytical thinking, attention to detail, and effective communication are crucial soft skills for interpreting data and presenting findings to stakeholders. These skills are essential for accurately assessing credit risk, supporting sound decision-making, and ensuring regulatory compliance in financial institutions.

How does an Hourly Credit Risk Modeling professional typically collaborate with other departments within a financial institution?

Hourly Credit Risk Modeling professionals often work closely with teams such as underwriting, data analytics, and IT to ensure credit risk models are accurate and actionable. They may participate in cross-functional meetings to discuss model performance, share insights from data analysis, and implement feedback from business stakeholders. Collaboration is key, as their models directly influence lending decisions, risk management strategies, and regulatory compliance. Regular communication with colleagues helps ensure that risk models stay aligned with evolving business needs and regulatory requirements.
What are popular job titles related to Hourly Credit Risk Modeling jobs in Vermont? For Hourly Credit Risk Modeling jobs in Vermont, the most frequently searched job titles are:
What job categories do people searching Hourly Credit Risk Modeling jobs in Vermont look for? The top searched job categories for Hourly Credit Risk Modeling jobs in Vermont are:
What cities in Vermont are hiring for Hourly Credit Risk Modeling jobs? Cities in Vermont with the most Hourly Credit Risk Modeling job openings:
Hourly Credit Risk Modeling jobs near you
Infographic showing various Hourly Credit Risk Modeling job openings in Vermont as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution.

Senior Credit Risk Manager

Vermont Housing Finance Agency

Burlington, VT • On-site

$84K - $96K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 19 days ago

Job description

Description:Are you an underwriting expert ready to shape the future of affordable housing finance?

At the Vermont Housing Finance Agency (VHFA), we are on a mission to ensure all Vermonters have access to affordable housing. We are looking for a Senior Credit Risk Manager who is part premier technical authority, part strategic collaborator, and entirely impact-driven.

This isn't just an underwriting job—it’s a high-visibility leadership role that safeguards the financial resilience of our multi-family portfolio. If you excel at evaluating complex capital stacks, mastering layered transaction risks, and mentoring project finance teams, we want you on our team.


The Impact You’ll Make

Advanced Underwriting & Financial Analysis

  • Lead the financial, credit, and risk analysis of complex multifamily rental housing, preservation, mixed-income, and homeownership developments.
  • Evaluate borrower capacity, development feasibility, operating pro formas, sources and uses, and long-term project sustainability.
  • Prepare comprehensive underwriting memoranda and data-driven financing recommendations for internal review, the Credit Committee, and the Board of Commissioners.

Project Finance & Transaction Structuring

  • Structure multifaceted financing transactions utilizing Low-Income Housing Tax Credits (LIHTC), tax-exempt bonds, state and federal funding, and public-private capital sources.
  • Participate in high-level negotiations with developers, lenders, syndicators, investors, and public agencies to balance deal feasibility with prudent risk management.
  • Support loan commitments, closings, and asset preservation workflows while coordinating with Legal, Finance, Compliance, and Asset Management staff.

Credit Policy & Technical Leadership

  • Support the Vice President in maintaining, refining, and implementing agency underwriting standards, credit policies, and financial modeling tools.
  • Serve as a senior underwriting resource, providing proactive mentoring, training, and constructive peer reviews to project finance staff.
  • Monitor emerging pipeline risks, evaluate portfolio trend metrics, and participate in strategic workout or restructuring opportunities to protect Agency resources.
Requirements:

What You Bring to the Table

  • At least 7 years of progressively responsible experience in commercial lending, affordable housing finance, real estate development, or credit analysis, OR an equivalent mix of advanced education and experience.
  • Advanced proficiency in complex financial statement analysis, cash flow modeling, and Microsoft Excel.
  • Deep structural knowledge of Section 42 Low-Income Housing Tax Credits, tax-exempt bonds, HUD programs, and layered housing finance structures.
  • Top-tier verbal and written communication skills with a proven track record of presenting clear credit recommendations to loan committees, boards, or senior executives.
  • A heart for community and a deep alignment with VHFA’s VIIBE values: Integrity, Innovation, Belonging, and Equity.

Work Environment & Flexibility

This position offers a hybrid work structure. You will work in our collaborative office environment at least 2 days per week (typically Monday through Thursday), with the flexibility to work remotely the remaining days once fully trained and coordinated with your supervisor. You will also join us in-person for required agency meetings and events.


The Perks

  • A comprehensive benefits package including medical, dental, and vision coverage for you and the family or optional buy-out plan
  • Flexible Spending Account & Dependent Care Account
  • Company-sponsored Short and Long-Term Disability
  • Company-sponsored Life Insurance
  • Up to $4,000 educational assistance
  • Employee Assistance Program
  • Combined Time Off & Holiday Pay
  • Up to 6 weeks of paid time off for parental and family leave
  • Parking Reimbursement for designated lots
  • 403b Savings Account & 457 Retirement Plan

Ready to help us build a stronger community?

Apply today to join our collaborative, solution-oriented team!