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Hourly Credit Risk Modeling Jobs in Austin, TX (NOW HIRING)

Accenture

Finance Risk Senior Manager

Austin, TX

... models to get ready for the future, we solve our clients' toughest problems.Visit us here to find ... Credit risk data management, technology and platforms o Counterparty Credit / Market risk ...

New

Western Alliance Bank

Senior Credit Analyst

Austin, TX · On-site

$36.74 - $45.38/hr

Review client financials and perform sensitivity analysis to evaluate credit risk in connection ... Hourly range for new hires is generally $36.74 - $45.38 for Costa Mesa, CA. Hourly range for new ...

Abrigo

Senior Consultant

Austin, TX · On-site +1

Lead advisory engagements and serve as a subject matter expert in lending, credit risk, and ... Consult clients in developing small business lending decision models. * Analyze and optimize loan ...

Abrigo

Senior Consultant

Austin, TX · On-site +1

Lead advisory engagements and serve as a subject matter expert in lending, credit risk, and ... Consult clients in developing small business lending decision models. * Analyze and optimize loan ...

Sageworks

Senior Consultant

Austin, TX · On-site +1

Lead advisory engagements and serve as a subject matter expert in lending, credit risk, and ... Consult clients in developing small business lending decision models. * Analyze and optimize loan ...

FERGUSON

Senior Credit Manager

San Marcos, TX · On-site

$7.8K - $13K/mo

Evaluate and approve credit applications, limits, and account changes based on risk analysis ... roles OR Hourly for all other roles. This role is Bonus or Incentive Plan eligible. Ferguson ...

SUPPLY.com

Senior Credit Manager

Austin, TX · On-site

$7.8K - $13K/mo

Evaluate and approve credit applications, limits, and account changes based on risk analysis ... Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies ...

HP Products

Senior Credit Manager

Austin, TX · On-site

$7.8K - $13K/mo

Evaluate and approve credit applications, limits, and account changes based on risk analysis ... Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies ...

HP Products

Senior Credit Manager

San Marcos, TX · On-site

$7.8K - $13K/mo

Evaluate and approve credit applications, limits, and account changes based on risk analysis ... Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies ...

Lighting Unlimited

Senior Credit Manager

Austin, TX · On-site

$7.8K - $13K/mo

Evaluate and approve credit applications, limits, and account changes based on risk analysis ... Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies ...

Lighting Unlimited

Senior Credit Manager

San Marcos, TX · On-site

$7.8K - $13K/mo

Evaluate and approve credit applications, limits, and account changes based on risk analysis ... Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies ...

Ferguson Enterprises

Senior Credit Manager

Austin, TX · On-site

$7.8K - $13K/mo

Handle complex, high-risk, or exception accounts beyond standard authority * Lead, coach, and ... Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles. * This ...

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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.

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 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.

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 most commonly searched types of Credit Risk Modeling jobs in Austin, TX?

The most popular types of Credit Risk Modeling jobs in Austin, TX are:

What are popular job titles related to Hourly Credit Risk Modeling jobs in Austin, TX?

For Hourly Credit Risk Modeling jobs in Austin, TX, the most frequently searched job titles are:

What job categories do people searching Hourly Credit Risk Modeling jobs in Austin, TX look for?

The top searched job categories for Hourly Credit Risk Modeling jobs in Austin, TX are:

What cities near Austin, TX are hiring for Hourly Credit Risk Modeling jobs?

Cities near Austin, TX 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 Austin, TX as of August 2026, with employment types broken down into 1% As Needed, 54% Full Time, 40% Part Time, 1% Temporary, 3% Contract, and 1% Nights. Highlights an 97% Physical, and 3% Remote job distribution.

Data Analyst | Credit Risk Management

Austin, TX • On-site

University Federal Credit Union
See more jobs at University Federal Credit Unionexternal

Full-time

Posted 3 days ago

New

Job description

Job Summary
The Data Analyst | Credit Risk Management supports UFCU's Lending Team and Credit Council by delivering high-quality, insight-driven analysis across consumer, mortgage, and business lending portfolios. This hybrid role blends lending analytics, credit risk evaluation, and operational reporting to enhance decision quality and ensure safe, sound, member-centric lending.
The Data Analyst | Credit Risk Management plays a pivotal role in UFCU's digital business design by synchronizing data, processes, and people across silos, improving the accuracy, transparency, and speed of credit-related decisions.
This role is ideal for someone who is analytical, structured, collaborative, and driven to improve how teams make decisions together - aligned with UFCU's culture of clarity, consistency, and empowerment.
The Data Analyst | Credit Risk Management reports to the Chief Lending Officer
About UFCU
Our Credit Union was founded in 1936 and has grown to serve members throughout Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures.
In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values:
Purposefully Member-Obsessed
We are driven by a profound sense of empathy to deeply understand our Members' needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members' best interests, forever seeking to empower their financial success.
Possibilities Reimagined
We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.
Performance Excellence Rooted in Unwavering Integrity
We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.
Essential Functions
Portfolio & Credit Analytics
  • Produce timely, accurate analytics for loan portfolios, including delinquency, charge-off trends, loan mix, exception rates, and credit tier performance.
  • Support development and maintenance of portfolio dashboards using data visualization tools (e.g., Power BI).
  • Conduct trend analysis on credit quality, origination, risk migration, and evaluate performance of scoring models to enhance credit decisioning.
  • Provide underwriting and pricing insights based on risk-adjusted return and member behavior metrics.

Credit Council Packet & Reporting
  • Own preparation of the quarterly Credit Council packet with CLO.
  • Validate all KRIs and KPIs for accuracy, completeness, and consistency with Enterprise Risk Management.
  • Partner with Lending, Finance, and Compliance to ensure reports reflect up-to-date policy, regulatory, and CECL considerations
  • Present analytical findings clearly and tactfully to support strong cross-functional discussion.

Risk Management & Compliance Support
  • Assist in CECL modeling inputs, stress-testing routines, and static pool performance analysis.
  • Help ensure compliance with NCUA requirements and internal policy standards through data and analytic support.
  • Support independent loan review preparation and quality control metrics.

Cross-Functional Collaboration
  • Work closely with internal partners (Lending, ERM, Finance, Compliance, Technology) to ensure data alignment and decision-quality improvements.
  • Demonstrate strong relational skills and tactful communication to support constructive, trust-centered dialogue.
  • Serve as a connector across silos, enabling decision coordination and shared understanding in support of UFCU's digital business design.

Process Enhancement & Innovation
  • Recommend improvements to underwriting standards, exception processes, and automated decisioning rules based on data insights.
  • Identify data gaps and propose enhancements to systems, reporting structures, and workflows.
  • Support development of a scalable analytics framework that adapts to UFCU's evolving lending strategies and digital offerings.

Other
  • Adheres to all company policies, procedures, and business ethics codes.
  • Completes required regulatory training as assigned.
  • Maintains strict adherence to and compliance with all laws, rules, regulations, and internal controls specific to the role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations.

Knowledge/Skills/Abilities
Knowledge
  • Deep understanding of credit risk principles, financial statement analysis, and regulatory requirements.
  • Familiarity with credit risk models, loan origination systems, and specialized risk assessment software.

Skills
  • Strong proficiency with Excel and experience with SQL and business intelligence tools (e.g., Power BI, Tableau).
  • Familiarity with CECL methodologies, loan origination systems, and portfolio management tools.
  • Strong quantitative reasoning and ability to synthesize complex information into clear, actionable insights.

Abilities
  • High personal standards, discipline, and follow-through.
  • Analytical discernment - able to evaluate ideas and proposals with balanced, practical judgment.
  • Relationship-oriented communicator who builds trust across teams.
  • Calm, steady presence with resilience under pressure.
  • Commitment to UFCU's member-centric mission and collaborative culture.

Core Competencies
  • Demonstrating Member Obsession
  • Puts themselves in the Member's shoes
  • Looks for friction points
  • Makes it personalized and easy
  • Demonstrating Performance Excellence
  • Sets standards for elevating excellence
  • Ensures elevated quality
  • Takes responsibility
  • Conducts continuous improvement
  • Demonstrating Innovation
  • Challenges current thinking
  • Approaches change with a positive mindset

Experience
Minimum Requirements
  • Bachelor's degree in Finance, Economics, Business, Data Analytics, or a related field required.
  • Minimum 4-6 years of experience in lending, credit analytics, risk management, financial analysis, or data-driven business, operational, or marketing analytics roles
  • Strong analytical and quantitative skills, with proficiency in portfolio analysis, risk modeling, and operational reporting.
  • Experience with data analytics tools and reporting platforms (e.g., Excel, SQL, Tableau, Power BI); experience with digital lending tools is a plus.
  • Advanced Excel, SQL, Power BI, Tableau.
  • Experience in a credit union or regulated financial institution.
  • Experience preparing and delivering executive-level reports and presentations to senior leadership, committees, and other key stakeholder groups to communicate insights, portfolio performance, and make recommendations.
  • Must be bondable.

Preferred Requirements
  • DataBricks or Snowflake experience.

Physical Demands
The physical demands described are representative of those that must be met by an employee, with or without accommodation, to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Frequent
  • While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
  • Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and ability to adjust focus.
  • Employee will make extensive use of the telephone and virtual communications requiring the ability to explain complex information effectively and accurately.

Work Environment
The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.
  • This position is a hybrid role and requires frequently working onsite at UFCU Plaza in Austin, Texas.
  • This position may involve periodic stressful conditions.
  • May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
  • May occasionally move from one work location/branch to another.
  • Public contact position, requiring appropriate professional appearance.
  • Frequent computer use at a workstation of up to two hours at a time.
  • The noise level in the work environment is usually

#INDUFCU
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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