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Interest Rate Jobs in Texas (NOW HIRING)

Frost Bank

Derivatives Specialist

San Antonio, TX · On-site

In this role, you are responsible for administering the bank's foreign exchange, interest rate, and commodity hedging product groups. Your goal is to limit risk on behalf of both the bank and its ...

Frost Bank

Derivatives Specialist

San Antonio, TX

In this role, you are responsible for administering the bank's foreign exchange, interest rate, and commodity hedging product groups. Your goal is to limit risk on behalf of both the bank and its ...

BSI Financial Services

Capital Markets Intern

Irving, TX · On-site

$15.50 - $20/hr

Identify trends and drivers of losses across loan characteristics such as geography, origination vintage, property type, and servicing outcomes * Assist with financial reporting and interest rate ...

Simmons Bank

Mortgage Loan Originator I

Fort Worth, TX · On-site

Secures interest rate lock-ins with investors * Manages pipeline so as to protect the bank from interest rate risk * Ensures all departmental documents and activities are performed in compliance with ...

Simmons Bank

Mortgage Loan Originator I

Fort Worth, TX · On-site

Secures interest rate lock-ins with investors * Manages pipeline so as to protect the bank from interest rate risk * Ensures all departmental documents and activities are performed in compliance with ...

IBC Bank

Mortgage Loan Originator

Laredo, TX · On-site

Quotes interest rates and fees * Maintains regular contact with the borrower and Realtors between application and closing * Assists the borrower in understanding and clearing credit problems

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$24

$48

How much do interest rate jobs pay per hour?

As of Aug 24, 2026, the average hourly pay for interest rate in Texas is $24.96, according to ZipRecruiter salary data. Most workers in this role earn between $15.24 and $26.44 per hour, depending on experience, location, and employer.

What is an interest rate analyst?

Interest rate analysts are financial professionals who study and forecast changes in interest rates. They analyze economic data, central bank policies, and market trends to predict how interest rates will move in the future. Their insights help banks, investment firms, and corporations make informed decisions about lending, borrowing, and investing. Interest rate analysts often prepare reports and recommendations for clients or internal stakeholders.

What are the key skills and qualifications needed to thrive as an interest rate analyst, and why are they important?

To thrive as an Interest Rate Analyst, you need strong quantitative analysis, financial modeling, and economic research skills, typically supported by a degree in finance, economics, or a related field. Proficiency in Excel, Bloomberg Terminal, and data analysis tools, as well as certifications like CFA, are highly valuable. Exceptional attention to detail, analytical thinking, and effective communication help analysts interpret data and convey insights. These competencies are crucial for accurately forecasting interest rate movements and supporting financial decision-making in dynamic markets.

What are some common challenges faced by professionals working in interest rate risk management roles within financial institutions?

Professionals in interest rate risk management often grapple with rapidly changing market conditions and the complexity of modeling interest rate movements. They must stay updated on economic indicators and central bank policies, as these factors significantly impact rate fluctuations. Additionally, balancing regulatory compliance with strategic decision-making can be challenging, requiring collaboration with teams in treasury, trading, and risk analytics. Effective communication and analytical skills are essential to interpret data and provide actionable insights to senior management.

What is the difference between Interest Rate vs Loan Officer?

AspectInterest RateLoan Officer
Required CredentialsNone specific, often knowledge of financeLoan originator license, knowledge of lending
Work EnvironmentFinancial markets, banking, lendingBank branches, mortgage companies, lending institutions
Industry UsageUsed to determine borrowing costsFacilitates loan applications and approvals

Interest Rate refers to the percentage charged on borrowed money, impacting loan costs. A Loan Officer is a professional who helps clients secure loans, often explaining interest rates. While interest rates influence a loan officer's work, they are distinct: one is a financial metric, the other a role in the lending process.

What are popular job titles related to Interest Rate jobs in Texas?

For Interest Rate jobs in Texas, the most frequently searched job titles are:

What job categories do people searching Interest Rate jobs in Texas look for?

The top searched job categories for Interest Rate jobs in Texas are:

Interest Rate jobs near you
Infographic showing various Interest Rate job openings in Texas as of August 2026, with employment types broken down into 1% As Needed, 70% Full Time, 19% Part Time, 1% Temporary, 7% Contract, and 2% Nights. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $51,915 per year, or $25 per hour.

Manager, ALM, Market Risk Modeling

Westlake, TX • On-site

Charles Schwab Inc.
See more jobs at Charles Schwab Inc.external

$100K - $150K/yr

Full-time

Re-posted 3 days ago

Job description

Your Opportunity
At Schwab, you're empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us "challenge the status quo" and transform the finance industry together.
The Asset Liability Management (ALM) & Market Risk Modeling team within the Corporate Treasury develops and maintains models used for financial planning and market risk management across Schwab's approximately $500 billion balance sheet, as well as more than $70 billion of off-balance-sheet notional investments and more than $130 billion notional of derivatives.
As an individual contributor, you will play a key role in balance sheet strategy and interest rate risk management. You will help optimize the balance sheet and net interest margin profile by developing, enhancing, and operating a robust ALM modeling framework in close partnership with investment portfolio managers, risk partners, and product leaders across the firm.
In this role, you will support the team's ownership of key models, including the ALM model and the Economic Value of Equity (EVE) sensitivity model. Your responsibilities will span the full model lifecycle-development, enhancement, implementation, testing, sensitivity analysis, performance monitoring, backtesting, benchmarking, documentation, and issue remediation-as well as production of business-as-usual (BAU) net interest income (NII) forecast and interest rate risk measurements. The modeling work may involve all aspects from investment allocation to liquidity planning, to capital management, to interest rate risk hedging and hedge accounting. You will also contribute to the team's automation framework to streamline our production workflow.
What you have
Required Qualifications
  • Bachelor's degree in a quantitative field (e.g., Applied Mathematics, Engineering, Finance, Economics, Statistics, or a related discipline)
  • Three years of relevant professional experience (or a combination of professional experience and graduate studies) in ALM, treasury, fixed income, market risk, or quantitative analytics
  • Strong quantitative skills in financial modeling and analytics, particularly related to fixed income products (e.g., mortgage-backed securities)
  • Hands-on experience with ALM and/or interest rate risk concepts (e.g., NII and EVE sensitivities, hedging strategies, fund transfer pricing, etc.)
  • Experience in building automation workflows and data pipelines with Python/ SQL/etc. in a highly regulated environment
  • Strong written and oral communication skills
  • Highly motivated self-starter
  • Comfort working in ambiguity ("white space") with the ability to independently identify opportunities and create innovative solutions that support balance sheet strategy and risk management
Preferred Qualifications
  • An advanced degree is preferred.
  • CFA, FRM, etc. designations are a plus.
  • Strong knowledge of and hands-on experience in the PolyPaths system (AppPort/BatchCal/ALM/Enterprise) or QRM is highly preferred.
  • Direct experience in dynamic balance sheet simulation or forecasting
  • Direct experience in modeling derivatives and associated hedge accounting
  • Direct experience with liquidity and capital management or how they are implemented in financial planning forecast

What you'll do:
  • Perform front-office modeling, analytics, and optimization with a focus on interest rate risk management and expert knowledge of fixed-income, derivatives, and balance sheet modeling.
  • Develop and enhance the ALM model that supports BAU NII forecast and NII sensitivity measurement, the EVE sensitivity model, and key underlying modeling assumptions.
  • Support production processes for financial planning, net interest income forecasting, and market risk measurement.
  • Contribute to initiatives to enhance, streamline, and automate balance sheet modeling, sensitivity analysis, and backtesting.
  • Partner with Model Risk Oversight to maintain model documentation, support validations, and comply with model risk management standards.
  • Collaborate with key partners to deliver balance sheet analytics that inform investment, liquidity, and capital strategies as well as risk management.
  • Leverage industry research and remain current on peer practices, vendor capabilities, and regulatory/industry trends relevant to ALM and market risk.

In addition to the salary range, this role is also eligible for bonus or incentive opportunities.

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