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Hourly Credit Risk Modeling Jobs in Oxnard, CA (NOW HIRING)

California Fish Grill

Cashier

Thousand Oaks, CA · On-site

$20/hr

Hourly, Non-Exempt JOB SUMMARY : Responsible for enacting cash and credit card transactions for ... Safety, including precautions and safe work practices, established fire/safety/disaster plans, risk ...

California Fish Grill

Cashier

Simi Valley, CA · On-site

$20/hr

Hourly, Non-Exempt JOB SUMMARY : Responsible for enacting cash and credit card transactions for ... Safety, including precautions and safe work practices, established fire/safety/disaster plans, risk ...

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All JobsHourly Credit Risk Modeling JobsHourly Credit Risk Modeling Jobs in Oxnard, CA

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 Oxnard, CA?

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

What cities near Oxnard, CA are hiring for Hourly Credit Risk Modeling jobs?

Cities near Oxnard, CA 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 Oxnard, CA as of August 2026, with employment types broken down into 1% As Needed, 48% Full Time, 47% Part Time, 1% Temporary, 2% Contract, and 1% Nights. Highlights an 97% Physical, and 3% Remote job distribution.

Loan Officer - Auto Finance

Westlake Services, LLC

Agoura Hills, CA • On-site

$47.99 - $110/hr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 4 days ago

Job description

WFS-CA-AGOURA
Westlake Services, LLC | Agoura Hills
29851 Agoura Rd
Agoura Hills, CA 91301, USA

WFS-CA-AGOURA
Westlake Services, LLC | Agoura Hills
29851 Agoura Rd
Agoura Hills, CA 91301, USA

Westlake Financial is the largest privately held auto finance company in the Nation. We are committed to growing and strengthening our organization by hiring the people that make Westlake World (our culture) what it is. Through hiring the best fitting applicant and supporting our people in further developing their skills, we transition our Applicants into Westlake Warriors (our people).

With 30% YOY growth and assets of 2.26 Billion, we are always looking to acquire talented individuals as we expand our presence in the Auto Finance Industry. Westlake Financial believes in PEOPLE with the PURPOSE and PASSION to assist our more than 22,000 dealer partners throughout North America.

Why Join Westlake Financial?
Westlake Financial is a leader in the auto finance industry, providing innovative and flexible lending solutions to our clients. We value our employees and offer opportunities for growth, a dynamic work environment, and a commitment to diversity and inclusion. If you’re passionate about helping people achieve their financial goals and enjoy working in a collaborative, high-energy environment, we’d love to have you join our team.

Job Summary
Westlake Financial Services is seeking a dedicated and results-driven Loan Officer to join our Auto Finance team. As a Loan Officer, you will play a critical role in our lending process, working closely with car dealerships and clients to assess and approve auto loans. You will be responsible for evaluating loan applications, making informed lending decisions, and providing exceptional customer service to help clients achieve their vehicle financing needs.

Key Responsibilities

  • Loan Origination: Review and process auto loan applications, ensuring they meet company and regulatory requirements.
  • Application Analysis: Analyze applicants' financial backgrounds, credit histories, and other relevant information to assess risk and determine loan eligibility.
  • Decision Making: Make loan approval or rejection decisions based on financial data, risk analysis, and company guidelines.
  • Relationship Management: Build and maintain strong relationships with car dealerships, providing guidance on Westlake Financial Services’ loan products and criteria.
  • Compliance and Documentation: Ensure all loan files comply with state and federal lending regulations, complete all necessary documentation, and update loan records accurately.
  • Customer Support: Provide excellent customer service to clients by addressing inquiries, assisting with loan requirements, and offering financial guidance.
  • Sales Collaboration: Work closely with the sales team to maximize loan opportunities, support marketing initiatives, and promote our products to new and existing clients.
  • Reporting: Regularly report on loan performance, application volume, and approval/decline rates to provide insights and support business objectives.

Requirements

  • Experience: 2-4 years of experience in loan origination or underwriting, preferably in auto finance or consumer lending.
  • Education: Bachelor’s degree in finance, business, or a related field (preferred) or equivalent experience.
  • Strong analytical skills with the ability to assess financial data and make sound lending decisions.
  • Excellent communication skills, both verbal and written, to effectively interact with dealerships, clients, and internal teams.
  • High level of attention to detail, ensuring accuracy in documentation and compliance with regulatory standards.
  • Proficiency in financial software, loan origination systems, and Microsoft Office Suite (Excel, Word, Outlook).
  • Knowledge:
  • In-depth knowledge of auto finance lending practices, credit analysis, and risk assessment.
  • Familiarity with state and federal regulations governing consumer lending.
  • Understanding of credit scoring models and loan approval criteria.
  • Attributes:
  • Strong customer service orientation with a commitment to client satisfaction.
  • Ability to work independently, meet deadlines, and manage multiple tasks in a fast-paced environment.
  • Results-oriented with a proactive approach to identifying opportunities for loan growth and process improvements.

Preferred Qualifications

  • Experience working with car dealerships and a network of automotive industry contacts.
  • Knowledge of Westlake Financial Services’ products and processes.

COMPENSATION PLAN

  • Annual Total Comp $110,000.00 = Total max comp with monthly bonuses
  • Annual Base$47,985.60 = $23.07/hr
  • The exact starting compensation to be offered will be determined at the time of selecting an applicant for hire and will be dependent on a wide range of factors, including but not limited to geographic location, skill set, experience, education, credentials, and licensure when applicable

The exact starting compensation to be offered will be determined at the time of selecting an applicant for hire and will be dependent on a wide range of factors, including but not limited to geographic location, skill set, experience, education, credentials, and licensure when applicable.

FULL TIME BENEFITS

  • Medical, Dental, and Vision benefits
  • Life Insurance and Long-term disability plans
  • Flexible Spending Account
  • 401K matching
  • Employee Stock Ownership Program in a $18.2 Billion Company, plus company matching
  • Wellness Programs
  • Metro Tap Card and Metro-link Reimbursement (for Los Angeles, CA employees only)
  • Discounts on Parks, Museums, Movie Tickets, and Attractions
  • Annual Flu Shot
  • Paid Vacations Days
  • Paid Sick days
  • Paid holidays
  • HGym (available in our Los Angeles, CA & Dallas,TX office)
  • Rental Car Discounts, Dell Member Purchase Program
  • UKG Wallet

CONTACT US
https://www.westlakefinancial.com/careers/

Acknowledgments
We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance.

We are an equal opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law. Equal access to employment, services,
and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the organization.

QualificationsSkillsBehaviorsMotivationsEducationExperienceLicenses & Certifications

Equal Opportunity Employer
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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