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Hourly Credit Risk Modeling Jobs in Jacksonville, FL

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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 Jacksonville, FL?

The most popular types of Credit Risk Modeling jobs in Jacksonville, FL are:

What are popular job titles related to Hourly Credit Risk Modeling jobs in Jacksonville, FL?

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

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

The top searched job categories for Hourly Credit Risk Modeling jobs in Jacksonville, FL are:

What cities near Jacksonville, FL are hiring for Hourly Credit Risk Modeling jobs?

Cities near Jacksonville, FL 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 Jacksonville, FL as of August 2026, with employment types broken down into 1% As Needed, 53% Full Time, 41% Part Time, 1% Temporary, 3% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution.

Relationship Specialist II

VyStar Credit Union

Ponte Vedra, FL • On-site

Full-time

Retirement

Posted 26 days ago

Key responsibilities

  • Provide member experiences through in-person and phone interactions by greeting, strengthening, and enhancing relationships.

  • Identify member needs by recognizing cues, asking open-ended questions, and growing consumer and business relationships.

  • Complete account transactions, open accounts, process loan applications, and refer members to appropriate financial solutions.

VyStar Credit Union rating

7.5

Company rating: 7.5 out of 10

Based on 13 frontline employees who took The Breakroom Quiz

Job description

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.
We encourage you to become a part of VyStar Credit Union's family of employees.
* SELECTION PROCESS:
As part of our preliminary recruiting process, we kindly ask candidates to complete an online assessment sent to their email from our third-party vendor, HireVue. To be considered, please complete the assessment within the allotted time. If you don't receive it after applying, check your spam folder. Assessment results are valid for 6 months.
ACCOUNTABILITY STATEMENT
The Relationship Specialist II responsibilities include providing unbelievable member experiences with every member interaction both in-person and on the phone, identifying member cues, asking open-ended discovery questions, and growing consumer and business relationships by identifying member needs and properly positioning VyStar financial solutions. This key relationship building position must be able to describe VyStar Credit Union's value proposition versus competitors and convey the importance of educating and proactively helping members with their financial goals. Demonstrates a strong proficiency in all job functions and can model those for newer employees.
ESSENTIAL RESPONSIBILITIES
  • Consistent in using each member interaction both on the phone and in-person to provide unbelievable member experiences from greeting and welcoming, to strengthening and enhancing member relationships through quality conversations and cross-selling credit union solutions effectively.
  • Proficient in identifying member cues, asking open-ended discovery questions, and growing consumer and business relationships by identifying member needs.
  • Knowledgeable in their understanding of consumer and business deposit, credit, insurance, and investment solutions and able to position them successfully.
  • Competent in completing personal and business account transactions, open accounts, and process various types of loan applications.
  • Able to explain credit and savings options and effectively refer more complex business products, mortgage solutions, investments options, and insurance.
  • Provide additional services to members such as account maintenance, notary, wire transfer, savings bond redemption, safe deposits box services, fraud claims, and credit card disputes with expertise.
  • Participate, support, and lead in all Credit Union initiatives and campaigns.
  • Exercise sound judgment and discretion while remaining compliant with well-defined limits and guidelines.
  • Work with independence to accomplish tasks.
  • Exhibit a high degree of integrity, trustworthiness, and professionalism at all times.
  • Exude a positive and professional attitude with members and partners consistently.
  • Resolve member problems independently, seeking to find ways to a "yes" whenever possible, and escalating when appropriate.
  • Exemplify VyStar's Standards of Excellence, Behaviors of Excellence, Being Unbelievable, and the Great 8 Member Service Commitments.
  • Lead by example through community service supporting the VyStar brand.
  • Demonstrate excellent verbal and written communication skills.
  • Manage opening and closing procedures as needed.
  • Train and mentor new Relationship Specialists.
  • Promote and lead branch initiatives.
  • Proactively identify ways to improve employee and member experiences.
  • Utilize all available relationship-building and documentation tools to ensure comprehensive follow-up with members, fostering continued growth in member relationships through proactive engagement and personalized service.
  • Engage proactively with members through outbound calls to understand needs and provide comprehensive solutions related to VyStar Credit Union's products and services, resulting in booked sales.
  • Address and overcome objections effectively while educating members about the wide array of offerings available.
  • Perform other duties as assigned.
  • All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.

JOB QUALIFICATIONS
EDUCATION
  • High School Diploma/GED is required.
  • Associate's degree is preferred.

EXPERIENCE
  • 1-2 years' experience in a sales and/or customer service position, community service, military service, asking questions, offering recommendations and making referrals is required, preferably with a financial institution.

KNOWLEDGE, SKILLS & ABILITIES
  • Proven top performance track record.
  • Demonstrated sales and/or sales leadership.
  • Possess strong verbal and written communications skills.
  • Proficient in the use of the Internet and Microsoft Office.
  • Must have an outgoing personality and a strong desire to help people.
  • Proficiency in asking probing questions & making recommendations.
  • Exercise critical thinking skills in resolving escalated issues or deescalating concerns.
  • May assist branch leadership as needed.
  • Works to attain expert user status on credit union systems, applications, products, and services.
  • Successful partnership will cross referrals to all business lines.
  • Strong communication skills and a genuine passion for sales are essential for success in this role.
  • May stand throughout entire shift in order to assist members or other staff.

DISCLAIMERS AND WORK ENVIRONMENT
Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.
The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
As required or requested, may exert up to 50 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.
Additional Job Description
Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job.
  • Focus Focus your full attention by carefully listening to and observing your client or member.
  • Connect Consistently be friendly and approachable. Demonstrate you care.
  • Understand Listen empathetically and ask questions. (70%/30%)
  • Counsel Recommend solutions based on your client's or member's needs and objectives.
  • Advance Ensure that member's expectations were exceeded. Verify necessary follow-up action.

VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.
No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.
Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.
Thank you again for your interest in this position!
VyStar Credit Union Human Resources

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