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Remote Credit Risk Modeling Jobs in California (NOW HIRING)

Qcells

Director, Compliance Risk

Irvine, CA · On-site +1

$145K - $195K/yr

... fintech model, along with the ability to translate regulatory requirements into scalable ... Santa Clara, CA or Teaneck, NJ. Remote work may be considered for exceptional cases.

Qcells

Director, Compliance Risk

San Francisco, CA · On-site +1

$145K - $195K/yr

... fintech model, along with the ability to translate regulatory requirements into scalable ... Santa Clara, CA or Teaneck, NJ. Remote work may be considered for exceptional cases.

Qcells

Director, Compliance Risk

Santa Clara, CA · On-site +1

$145K - $195K/yr

... fintech model, along with the ability to translate regulatory requirements into scalable ... Santa Clara, CA or Teaneck, NJ. Remote work may be considered for exceptional cases.

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All JobsCredit Risk Modeling JobsRemote Credit Risk Modeling JobsRemote Credit Risk Modeling Jobs in California

Remote Credit Risk Modeling information

What are the key skills and qualifications needed to thrive as a remote credit risk modeler, and why are they important?

To thrive as a Remote Credit Risk Modeler, you need a strong background in statistics, data analysis, and financial risk assessment, typically supported by a degree in mathematics, finance, or a related field. Familiarity with statistical modeling tools such as SAS, R, Python, and experience with credit risk platforms or regulatory frameworks like Basel II/III are highly valued. Excellent problem-solving skills, attention to detail, and effective communication are crucial for interpreting complex data and collaborating with remote teams. These skills ensure accurate risk assessments, regulatory compliance, and sound decision-making in credit portfolios.

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

AspectRemote Credit Risk ModelingRemote Credit Analyst
Required CredentialsDegree in Finance, Economics, or related field; certifications like CFA or FRM beneficialDegree in Finance, Economics, or related field; certifications like CFA or FRM beneficial
Work EnvironmentDeveloping models, analyzing data, using statistical softwareAssessing creditworthiness, reviewing financial documents, communicating with clients
Industry UsageFinancial institutions, credit bureaus, fintech companiesBanks, lending institutions, credit agencies

Remote Credit Risk Modeling focuses on creating statistical models to predict credit risk, requiring strong analytical skills and technical expertise. Remote Credit Analysts evaluate individual credit applications and assess risk based on financial data. While both roles operate remotely within the finance industry, they differ in daily tasks and skill emphasis, with modeling being more technical and analysis more client-focused.

How does a remote credit risk modeling professional typically collaborate with cross-functional teams?

As a remote Credit Risk Modeling professional, collaboration with cross-functional teams—such as data analysts, IT specialists, and business stakeholders—is usually facilitated through virtual meetings, shared project management tools, and version-controlled code repositories. Clear communication and regular updates are essential, as you'll often need to translate complex modeling outcomes into actionable insights for non-technical colleagues. Building strong relationships remotely can be a challenge, but utilizing video calls and collaborative documentation helps ensure alignment on project goals and timelines.

What is remote credit risk modeling?

Remote credit risk modeling involves analyzing and predicting the likelihood that borrowers will default on their loans, all while working from a location outside of a traditional office setting. Professionals in this role use statistical techniques and data analysis tools to assess creditworthiness and help financial institutions minimize risk. They often collaborate with teams virtually, utilizing secure platforms to access data and build predictive models. This remote setup allows for flexibility and efficiency while still upholding high standards of data security and accuracy.
What are the most commonly searched types of Credit Risk Modeling jobs in California? The most popular types of Credit Risk Modeling jobs in California are:
What are popular job titles related to Remote Credit Risk Modeling jobs in California? For Remote Credit Risk Modeling jobs in California, the most frequently searched job titles are:
What job categories do people searching Remote Credit Risk Modeling jobs in California look for? The top searched job categories for Remote Credit Risk Modeling jobs in California are:
What cities in California are hiring for Remote Credit Risk Modeling jobs? Cities in California with the most Remote Credit Risk Modeling job openings:
Remote Credit Risk Modeling jobs near you
Infographic showing various Remote Credit Risk Modeling job openings in California as of August 2026, with employment types broken down into 90% Full Time, and 10% Part Time. Highlights an 100% Remote job distribution.

Mortgage Underwriter (5-10 Unit Properties) Remote

Lendsure Mortgage Corp

San Diego, CA • On-site, Remote

$68K - $90K/yr

Full-time

Posted 24 days ago

Job description

Annual Salary Range $68,000 - $90,000 with quarterly bonus plan.
Preference: San Diego CA, Kennesaw GA or Warwick RI, remote candidates will be considered
LendSure Mortgage Corp. is a fast-growing Wholesale Lender offering Non-QM loan solutions. LendSure helps mortgage originators grow their business by offering loan solutions to borrowers who do not fall into conforming guidelines. At LendSure Mortgage Corp., we have created an environment where high-energy professionals can learn, excel, grow, and feel great about their contributions to our success.
LendSure is committed to attracting and retaining top talent throughout the United States and offers a competitive salary, benefits, and opportunities to grow within the company.
The Mortgage Underwriter for 5-10 unit properties is responsible for evaluating mortgage loan applications for multi-unit residential properties (typically considered commercial properties) ranging from 5 to 10 units. They assess risk, ensure compliance with lending guidelines and regulations, and make informed decisions on loan approvals or denials. This role requires a strong understanding of both residential and commercial real estate underwriting principles, with a specific focus on the unique characteristics of 5-10 unit properties.
Key responsibilities
  • Review and analyze mortgage loan applications and supporting documentation (e.g., credit reports, financial statements, income verification, property appraisals) for 5-10 unit properties.
  • Assess borrower creditworthiness, financial capacity, and ability to repay the loan, considering the specific financial dynamics of multi-unit properties.
  • Evaluate the property's financial performance, including projected rental income, operating expenses, vacancy rates, and Debt Service Coverage Ratio (DSCR).
  • Analyze property appraisals to ensure the collateral value aligns with loan amount and property standards.
  • Ensure compliance with all applicable lending guidelines (e.g., internal policies, investor requirements, and federal and state regulations like TRID, RESPA).
  • Make informed loan decisions (approve, suspend, or deny) based on a comprehensive risk assessment and communicate these decisions to relevant stakeholders (e.g., Account Executives and processors).
  • Clearly communicate the reasons for loan decisions and any required conditions.
  • Work collaboratively with loan processors and Account Executives to obtain additional information or clarification and ensure accurate documentation throughout the underwriting process.
  • Stay updated on industry trends, lending guidelines, regulations, and market conditions relevant to 5-10 unit properties and commercial real estate.
  • Maintain accurate and detailed loan documentation in the underwriting system.
  • Identify potential fraud or misrepresentation and escalate concerns when necessary.

Qualifications
  • A bachelor's degree in a related field is often preferred.
  • Non-QM experience as a mortgage underwriter is preferred , with a focus on multifamily or commercial real estate loans, specifically including 5-10 unit properties.
  • Key requirements include strong analytical skills for assessing financial data and risk, in-depth knowledge of lending guidelines and regulations, and familiarity with relevant financial metrics like NOI and DSCR.
  • Additional qualifications include excellent communication skills, attention to detail, proficiency in underwriting software, strong decision-making abilities, and the capacity to meet deadlines in a demanding environment.
  • Knowledge of local real estate markets and property management is also beneficial.

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

Apply