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Hourly Credit Risk Modeling Jobs in Cincinnati, OH

LCNB National Bank

Mortgage Underwriter

Lebanon, OH · On-site

Reports To: Josh Hutt, VP of Commercial Credit Analysis * Status: Full-time Hourly Non-Exempt ... Strong credit, risk analysis, and analytical skills * Excellent and effective oral and written ...

New

US Bank

Platform Manager

Cincinnati, OH · On-site

Operates in an agile operating model delivering agility at scale, innovation, operational ... and credit risk associated with FX transactions. - Regulatory Knowledge in FX space including ...

PNC

Wealth Advisor

Cincinnati, OH

$75K - $125K/yr

Preferred Skills Client Prospecting, Client Relationship Building, Credit Risk Analysis, Customer Engagement, Financial Analysis, Financial Modeling, Investment Banking, Public Speaking, Relationship ...

PNC Bank

Wealth Advisor

Cincinnati, OH · On-site

$75K - $125K/yr

Preferred Skills Client Prospecting, Client Relationship Building, Credit Risk Analysis, Customer Engagement, Financial Analysis, Financial Modeling, Investment Banking, Public Speaking, Relationship ...

CFS

Sr FP&A

Cincinnati, OH · Remote

$80K - $120K/yr

... risk. * Support regulatory reporting and ensure compliance with financial reporting standards and credit union regulations. * Continuously improve reporting processes, financial models, and ...

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All JobsHourly Credit Risk Modeling JobsHourly Credit Risk Modeling Jobs in Cincinnati, OH

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 popular job titles related to Hourly Credit Risk Modeling jobs in Cincinnati, OH?

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

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

The top searched job categories for Hourly Credit Risk Modeling jobs in Cincinnati, OH are:

Hourly Credit Risk Modeling jobs near you
Infographic showing various Hourly Credit Risk Modeling job openings in Cincinnati, OH as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution.

Mortgage Underwriter

LCNB National Bank

Lebanon, OH • On-site

Full-time

Posted 3 days ago

New

Job description


Position Description

Mortgage Underwriter

Identifying Information: LCNB National Bank

  • Department: Credit – Mortgage Lending
  • Reports To: Josh Hutt, VP of Commercial Credit Analysis
  • Status: Full-time Hourly Non-Exempt
  • Location: LCNB Operations Center, Lebanon, OH
  • Hours: Monday – Friday 8:00am – 5:00pm

Position Purpose:

LCNB National Bank is seeking a Mortgage Underwriter within our Credit Mortgage Lending Department. This position is responsible for the daily tasks involved in reviewing residential FHA/VA/USDA/Conventional loan packages to deliver valid credit decisions according to investor and agency guidelines for specific loan programs. This ideal candidate will evaluate credit worthiness and borrowers’ ability to qualify for a mortgage loan in the amount requested with the collateral desired based on investor and agency standards.

Essential Functions and Responsibilities:

  • Complete analysis of loan packages to deliver valid credit decision
  • Determine if the loan file is eligible for funding according to investor and agency guidelines to which it is contracted
  • Determine if the loan file is eligible for insuring according to agency guidelines
  • Perform timely reviews of stipulations/conditions submitted
  • Review loan package as submitted by Loan Processor and provide loan approval with conditions to close
  • Collaborate to remove barriers and proactively bring issues to resolution with other members of the lending team
  • Work with shipping clerk on stipulation related issues and when necessary, assist in selling loans to investors
  • Keep up with changes in guidelines, legal, and other compliance related issues
  • Maintain open lines of communication with Loan Officers and Processors
  • Provide positive customer service to internal customers by effectively explaining credit decisions
  • Provide training, when appropriate, for Processors and Mortgage Loan Officers
  • Comprehend, retain and apply information as necessary to perform duties and responsibilities effectively
  • Additional duties as assigned

Required Competencies/Skills:

  • 5+ years of experience underwriting FHA, VA, and Conventional Loans
  • Direct Endorsement from HUD, Lender Appraisal Processing Program LAPP approval, as well as full VA LAPP authority
  • Bachelor’s or equivalent experience

Desired Competencies/Skills:

  • Knowledge of retail lending concepts and principles, experience with personal financial and tax return analysis
  • Ability to accurately analyze financial data with high attention to detail
  • Ability to examine loan documentation for accuracy and completeness
  • Ability to read and interpret various investor and agency requirements and relate requirements to loan being underwritten
  • Ability to work effectively with loan originators and production staff to acquire all required documentation
  • Strong credit, risk analysis, and analytical skills
  • Excellent and effective oral and written communication skills with internal and external customers
  • Ability to understand the perspective of others before making decisions that will affect others
  • Ability to design and implement efficient and effective processes
  • Strong work ethic, self-motivated, agile learner
  • Knowledge and experience with industry-related software and programs, including but not limited to, Encompass, DU (Desktop underwriter), LP (Loan Prospector), and Microsoft Office Suites
  • Knowledge and familiarity with fraud detection techniques
  • Strong organizational, multi-tasking, and prioritizing skills to meet deadlines
  • Ability to exercise good judgment and effectively problem solve
  • Ability to work independently with a sense of urgency
  • Ability to work effectively in a team environment and across all organizational levels; where flexibility, collaboration and adaptability are important
  • Ability to work in a fast-paced high demand deadline driven environment
  • Ability to read, analyze and interpret policies, contracts, financial documents and other legal documents as needed

Working Conditions:

  • Willingness to work on-site at stated location on the job opening, position may offer a hybrid work schedule
  • Ability to remain in a stationary position up to 75% of the time
  • Ability to lift and carry up to 10 lbs.
  • Occasionally move/traverse to access files and equipment
  • Constantly operates a computer and other office equipment

Compliance Statement:

The associate is responsible for meeting all compliance requirements imposed on LCNB National Bank by State and Federal law and regulations, as well as all related LCNB National Bank policies and procedures. Incumbent must be able to perform the essential functions of the position with or without reasonable accommodation. Equal Opportunity Employer/Disability/Veterans.

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