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Hourly Credit Risk Modeling Jobs in Miami, FL (NOW HIRING)

Amerantbank

Credit Risk Metrics Specialist

Miami, FL · On-site

Ensure model documentation is up to date and in accordance with regulatory requirements. * Maintain ACL procedures manuals up to date in line with current process * Estimate loss provisions forecast ...

IDBNY

Portfolio Manager - Middle Markets C+I

Aventura, FL · On-site

$110K - $145K/yr

... amortization modeling * Prepare clear and comprehensive credit memoranda to support renewals ... Strong credit judgment and risk acumen, with the ability to proactively identify emerging risk

Talent Cloud Staffing

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Senior C&I Underwriter, Commercial Credit

Miami, FL · Remote

$150K - $160K/yr

Structure credit recommendations and clearly communicate risk, mitigants, and approval rationale ... Strong financial analysis, cash flow modeling, covenant analysis, and credit structuring skills

Deloitte

Financial Risk Manager

Miami, FL

Credit Risk, Liquidity Risk, Market Risk, Capital Management/Stress Testing * Knowledge of financial services business models, products, and services * Experience in banking, digital assets, or ...

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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 Miami, FL?

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

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

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

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

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

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

Cities near Miami, 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 Miami, FL as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution.

Credit Risk Analytics Analyst

Miami Lakes, FL • On-site

BankUnited
Commercial Banking • 1 - 5K employees

8.0

Company rating: 8.0 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

70th of 172 rated banks

Good employer

Respectful managers

Uninterrupted breaks

Learn more about BankUnitedexternal

Full-time

Posted 4 days ago

Job description

Hybrid opportunity in Miami Lakes, FL.
SUMMARY: Reporting to the Manager, Enterprise Risk Analytics, the Credit Risk Analytics Analyst is part of the Enterprise Risk Analytics team, a dynamic team of talented professionals whose task is to produce valuable recurring risk reporting and analytics as well as advance the modeling framework to identify and manage financial risk. The Credit Risk Analytics Analyst uses a combination of quantitative, modeling, communication, and technical reporting skills to further advance the various risk analytics initiatives and add value to the organization by enhancing our credit risk modeling, monitoring, and reporting capabilities.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.
  • Ownership of third-party vendor credit loss models for CRE and C&I. This includes periodic analytical review of model performance and updates, as well as, maintaining internal model documentation consistent with internal and regulatory expectations.
  • Become a leading expert in the Moody's CMM, RiskCalc, MPA, and ZMDesk, and models. This includes periodic review of model performance and updates, as well as, developing a deep knowledge on how the models work.
  • Advance and refine our use of Moody's CMM, RiskCalc, MPA, and ZMDesk models. This includes using Moody's models and leveraging external and internal data to drive improvements in credit risk accuracy and utilizing the outputs to further stress testing, credit risk attribution, credit VaR, sensitivity analysis, and risk decomposition initiatives.
  • Be a leading contributor to the quarterly and annual end-to-end stress testing exercises. Conduct ad-hoc analysis as required. Develop potential stress scenarios that are meaningful to management.
  • Contribute to the integration of risk results into capital planning, budgeting, and risk appetite frameworks.
  • Periodic reporting on financial risks. This includes report generation in a wide variety of formats including but not limited to Tableau dashboards, Microsoft Excel report, PowerPoint presentations and Microsoft Word reports, on a periodic as well as ad-hoc basis.
  • Drive the automation of modeling routines as well as report and dashboard generation in a manner that drives consistency, accuracy and repeatability in credit risk reporting.
  • Contribute to the design and implementation of risk reporting across a variety of media.
  • Work closely with the data and technology teams to improve the data infrastructure needed to support the above initiatives.
  • Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
  • Adheres to Bank policies and procedures and completes required training.
  • Identifies and reports suspicious activity.

EDUCATION
Degree in a quantitative discipline (eg Statistics, Finance, Mathematics, Engineering, Economics) required Advanced degree in a quantitative discipline (PhD or MSc in a STEM discipline or Economics/Finance) preferred.
EXPERIENCE
  • 2+ years' experience in financial services (banking, asset management, insurance, etc) with significant direct exposure to analytics and modeling applied to credit risk and/or market risk.
  • Experience with programming languages, particularly Python.
  • Experience utilizing and merging data from a variety of databases.
  • Experience with a wide assortment of financial modeling techniques, including but not limited to: credit losses, loss migration, interest rates, volatility, derivatives, VaR, prepayments, capital, forecast techniques, stress testing, scenario analysis, sensitivity analysis, RAROC, liquidity, FTP.
  • Prior experience in credit risk reporting.
  • Prior experience working with databases.
  • Prior experience automating tasks.

CERTIFICATES, LICENSES, REGISTRATIONS
  • CFA, PRM, FRM a plus.

KNOWLEDGE, SKILLS AND ABILITIES
  • Deep understanding of credit risk models (PD, LGD, Credit VaR, etc). This Manager should be able to use this understanding to provide expert insight into the credit risk results they report and enhance the modeling capabilities of the team.
  • Excellent communication skills (visual, verbal, and written) with the ability to articulate complex concepts into a format digestible by a diverse audience.
  • Proficiency in generating reports using Tableau.
  • Proficiency with general quantitative modeling techniques (regression, simulation, optimization).
  • Strong interpersonal skills to aid in working with different divisions within the company.
  • Ability to work under pressure, meet deadlines, manage competing initiatives and adapt to an ever changing work pace with a focus on accuracy and attention to detail.
  • Knowledge of latest modeling developments / trends.

ADDITIONAL INFORMATION
  • Candidates residing in locations within BankUnited's footprint may be given preference.

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