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Internship Credit Risk Modeling Jobs in Houston, TX

Deloitte

Financial Risk Manager

Houston, TX

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 ...

Bank OZK

Associate, CECL Analytics

Houston, TX

The position focuses on risk analysis, reporting, and understanding the Bank's data inputs for various credit risk models and support related programs such as CRE/Capital Stress Testing, Credit ...

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All JobsCredit Risk Modeling JobsInternship Credit Risk Modeling JobsInternship Credit Risk Modeling Jobs in Houston, TX

Internship Credit Risk Modeling information

What are the key skills and qualifications needed to thrive as an internship in credit risk modeling, and why are they important?

To thrive as an Internship Credit Risk Modeling, you generally need strong quantitative and analytical skills, a background in finance, statistics, or a related field, and familiarity with risk concepts. Experience with statistical programming languages such as Python, R, or SAS, and proficiency in Excel or SQL, are commonly required, and relevant coursework or certifications in risk management or data analysis are advantageous. Attention to detail, critical thinking, and effective communication help interns stand out when interpreting data and presenting risk findings. These skills are important to ensure accurate risk assessments, support data-driven decision-making, and facilitate collaboration within financial institutions.

What types of projects or tasks can I expect to work on during an internship in credit risk modeling?

As an intern in Credit Risk Modeling, you'll typically assist with statistical analysis, data preparation, and validation of risk models used by the organization to evaluate creditworthiness. You may support senior analysts in building or refining predictive models using programming languages like Python or R, and work with large datasets to uncover trends in borrower behavior. Interns often collaborate with risk analysts, data scientists, and IT teams, gaining exposure to both technical and business perspectives. This hands-on experience helps build a solid foundation for a future career in quantitative finance or risk management.

What is the difference between Internship Credit Risk Modeling vs Credit Risk Analyst?

AspectInternship Credit Risk ModelingCredit Risk Analyst
CredentialsTypically pursuing or recent graduate, some familiarity with finance or statisticsBachelor's degree in finance, economics, or related field; often requires some experience
Work EnvironmentInternship setting, supervised, project-basedFull-time, professional environment, more independent responsibilities
Industry UsageEntry-level, educational focus, training periodCore role in financial institutions, ongoing risk assessment

Internship Credit Risk Modeling positions are designed for students or recent graduates gaining initial experience, often with supervised tasks. Credit Risk Analysts are experienced professionals responsible for ongoing risk evaluation, requiring more advanced skills and independence. The internship serves as a training ground, while the analyst role involves continuous risk management in financial institutions.

What is an internship in credit risk modeling?

An Internship in Credit Risk Modeling is a temporary position, usually for students or recent graduates, where you work with financial institutions to understand and help develop models that predict the likelihood of borrowers defaulting on loans. Interns typically assist in analyzing data, building statistical models, and supporting risk assessment processes. This role provides hands-on experience with financial data, programming, and model validation, making it valuable for those interested in finance, statistics, or data science. It also offers exposure to regulatory requirements and real-world risk management practices.

What are the most commonly searched types of Credit Risk Modeling jobs in Houston, TX?

The most popular types of Credit Risk Modeling jobs in Houston, TX are:

What cities near Houston, TX are hiring for Internship Credit Risk Modeling jobs?

Cities near Houston, TX with the most Internship Credit Risk Modeling job openings:

Internship Credit Risk Modeling jobs near you

Senior Credit Analyst

Stellantis Financial Services US

Houston, TX • On-site

Full-time

Posted 20 days ago

Job description

Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.
Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience.
Position Summary:
The Sr. Credit Analyst evaluates credit and other relevant data to determine the credit risk of potential customers. Makes recommendations, issues approvals and declines credit requests in accordance with Stellantis Financial Services (SFS) credit risk policies, compliance guidelines, and profitability models.
This is a hybrid position. Must have reliable transportation and live within a commutable distance to Houston, TX.
Duties & Responsibilities:
  • Review and evaluate all credit reports in commonly used formats as well as any format unique to SFS
  • Accurately apply credit policies, in accordance with FCRA, across multiple product lines for various loan types
  • Manage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations
  • Complete final disposition on credit applications or forwards to appropriate level of authority for final approval
  • Make outbound and handle inbound calls to negotiate final terms of contracts with both our dealer customer and the Dealer Relationship Manager (DRM)
  • Assist with escalated calls from Dealers and DRMs who are unhappy about a credit decision. Re-evaluate decisions and handle professionally to maintain a positive relationship
  • Participate in targeted outbound call campaigns as time permits, in coordination with the DRMs in an effort to cultivate long-term dealer relationships
  • Work directly with the Funding department and DRMs to resolve credit and verification issues that arise in funding
  • Provide guidance, training, and mentorship to junior level associates within the department
  • Maintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers, and dates of birth
  • Other duties may be assigned

Qualifications & Competencies: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Experience:
  • Minimum 3 years' auto industry experience as a credit analyst or related automotive disciplines

Education:
  • High school diploma and or/GED

Skills Required:
  • Ability to read, analyze and interpret industry specific periodicals, technical manuals, and government regulations
  • Effective communication and interpersonal skills
  • Ability to calculate figures and amounts relative to discounts, interest, commissions, proportions, percentages, volume, installment contracts, and interpret paycheck information
  • Ability to derive conclusions and make recommendations beyond the scope of written policies or standard guidelines
  • Proficient in using Microsoft Office Suite
  • Ability to handle high call and application volumes and manage competing demands

Overtime: Required on an as needed basis
Travel: 0-10% as required on an as needed basis
Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Sitting for long periods of time, standing, walking, close vision for computer work, speaking, hearing, lift and/or move up to 10 lbs. Reasonable accommodation will be reviewed upon request.
Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.

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