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Remote Credit Risk Modeling Jobs in New York, NY

Alt

Senior Fullstack Engineer, Payments

New York, NY · On-site +1

$140K - $180K/yr

Experience with distributed systems, credit/risk modeling, or the alternative asset space. What You'll Get From Us: * A seat at the table to help shape the future of Alt and the alternative asset ...

Everest

Risk Director

Warren, NJ · On-site +1

$116K - $150K/yr

Maintain and enhance BSCR calculation tools (Excel, actuarial software, internal models) for ... credit, and operational risks. Capital and Risk Insights * Deliver comprehensive analysis and ...

Everest

Risk Director

New York, NY · On-site +1

$116K - $150K/yr

Maintain and enhance BSCR calculation tools (Excel, actuarial software, internal models) for ... credit, and operational risks. Capital and Risk Insights * Deliver comprehensive analysis and ...

Everest Re Group

Risk Director

Warren, NJ · On-site +1

$116K - $150K/yr

Maintain and enhance BSCR calculation tools (Excel, actuarial software, internal models) for ... credit, and operational risks. Capital and Risk Insights * Deliver comprehensive analysis and ...

Everest Re Group

Risk Director

New York, NY · On-site +1

$116K - $150K/yr

Maintain and enhance BSCR calculation tools (Excel, actuarial software, internal models) for ... credit, and operational risks. Capital and Risk Insights * Deliver comprehensive analysis and ...

New York Life

Senior Associate

White Plains, NY · On-site +1

$118K/yr

... risk analysis, and strategic planning to analyze master projection model usage and perform in-depth analysis of in-vestment performance. Conduct monthly portfolio cost analysis to set credit rates by ...

Imprint

Director, Risk Strategy & Execution

New York, NY · On-site +1

$180K - $230K/yr

We started with co-branded credit cards and rebuilt them to be smarter, more rewarding, and brand ... model, and execution of one of the company's most critical functions. This is a highly visible ...

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Showing results 21-40

All JobsCredit Risk Modeling JobsRemote Credit Risk Modeling JobsRemote Credit Risk Modeling Jobs in New York, NY

Remote Credit Risk Modeling information

See New York, NY salary details

$140.7K

$164K

$211.9K

How much do remote credit risk modeling jobs pay per year?

As of Aug 8, 2026, the average yearly pay for remote credit risk modeling in New York, NY is $164,004.00, according to ZipRecruiter salary data. Most workers in this role earn between $149,800.00 and $167,800.00 per year, depending on experience, location, and employer.

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 New York, NY? The most popular types of Credit Risk Modeling jobs in New York, NY are:
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Remote Credit Risk Modeling jobs near you

Senior Credit Underwriter

World Business Lenders, LLC

New York, NY • On-site, Remote

Full-time

PTO

Re-posted 7 days ago

Job description

About World Business Lenders
  • At World Business Lenders (WBL), we provide flexible, short-term commercial loans backed by real estate to help small and medium-sized businesses across the United States - particularly those facing difficulties with traditional financing. We're a fast-moving, results-driven organization that takes security seriously as we continue to grow.
  • This is a Full-Time Independent Contractor role with working hours from 9:00 AM - 6:00 PM Eastern Standard Time, Monday through Friday. We request that all CVs be submitted in English.
About the Role
  • The Senior Credit Underwriter is responsible for leading complex credit underwriting activities while serving as a trusted advisor to the Chief Lending Officer. This role provides expertise in Non-QM mortgage lending, evaluates complex borrower scenarios, structures credit solutions, and supports sound lending decisions that balance risk and business objectives.
  • In addition to underwriting, the role oversees underwriting teams, mentors junior underwriters, drives process improvements, and collaborates cross-functionally to improve credit quality, operational efficiency, and funded loan volume..

What You'll Be Doing (Key Responsibilities)
  • Act as the Chief Lending Officer's 'right hand' trusted advisor.
  • Perform early credit assessments ("shift-left") before processing is complete.
  • Rework denied loans into approvable structures where possible.
  • Recommend counteroffers that reduce risk while preserving profitability.
  • Identify compensating factors to strengthen borderline files.
  • Consult with Sales on structuring loans before submission.
  • Participate in daily pipeline review meetings.
  • Assist in developing underwriting guidelines and SOPs.
  • Analyze trends in denials and fallout to recommend policy or process changes.
  • Support automation efforts by documenting underwriting decision logic.
  • Serve as the subject matter expert for complex borrower scenarios.

Requirements
Education:
  • Bachelor's or Associate's degree.

Experience:
  • 10+ years of progressive underwriting experience in non-QM mortgage lending.

Must-Have Requirements
Please ensure you meet all of the following before applying:
  • 10+ years of progressive underwriting experience in Non-QM residential mortgage lending.
  • Proven expertise in credit analysis, risk assessment, and loan structuring, with the ability to evaluate complex borrower scenarios and develop viable lending solutions.
  • Strong knowledge of Non-QM loan products, including DSCR, Bank Statement, Asset Depletion, Foreign National, ITIN, and other alternative documentation programs.
  • Experience interpreting credit policies, underwriting guidelines, and applicable mortgage regulations (e.g., ATR/QM, TRID, RESPA, TILA), with the ability to make sound, consistent credit decisions..

Remote Work Requirements
  • Stable, reliable internet connection.
  • Professional and dedicated remote working setup.

Preferred Background / Industry Experience:
  • Non QM residential mortgage lending / MCA lending.

Key Soft Skills:
  • Critical Thinking - Evaluates complex borrower scenarios, weighs risk objectively, and makes sound credit decisions based on facts rather than assumptions.
  • Analytical Mindset - Identifies trends, assesses layered risk, and connects multiple data points to determine overall creditworthiness.
  • Sound Judgment - Balances prudent risk management with business objectives, knowing when to approve, restructure, or decline a loan.
  • Problem Solving - Finds creative, policy-compliant solutions to structure challenging loans instead of defaulting to denial.
  • Attention to Detail - Thoroughly reviews financials, documentation, and loan files to identify inconsistencies, omissions, or potential risks.
  • Communication - Clearly explains underwriting decisions, credit rationale, and conditions to Sales, Processing, and leadership.
  • Collaboration - Partners effectively with Sales, Processing, Valuation, Legal, and Closing to move loans efficiently while maintaining credit quality.
  • Decision Making Under Pressure - Makes timely, confident decisions in a fast-paced environment without sacrificing accuracy or consistency.
  • Coaching & Mentorship - Develops junior underwriters by sharing expertise, reinforcing best practices, and promoting consistent credit decisions.
  • Integrity & Accountability - Demonstrates strong ethical standards, takes ownership of decisions, and consistently applies credit policy with fairness and discipline.

Specific Technical Skills Needed:
  • Credit Analysis & Risk Assessment - Expertise in evaluating borrower creditworthiness, repayment capacity, collateral, and layered risk.
  • Non-QM Underwriting - Deep knowledge of Non-QM products, including DSCR, Bank Statement, Asset Depletion, Foreign National, ITIN, and other alternative documentation programs.
  • Income, Asset & Cash Flow Analysis - Ability to analyze tax returns, business financials, bank statements, P&Ls, CPA letters, and asset documentation.
  • Collateral & Valuation Review - Experience reviewing appraisals, BPOs, AVMs/IVDs, title reports, LTV/CLTV calculations, and collateral risk.
  • Loan Structuring - Ability to restructure marginal loans, evaluate compensating factors, and develop counteroffers that meet credit policy while maximizing approvals.
  • Credit Policy & Guideline Interpretation - Strong understanding of internal credit policies, investor overlays, and regulatory requirements, with the ability to consistently apply judgment.
  • Regulatory Compliance - Working knowledge of ATR/QM, TRID, RESPA, TILA, Fair Lending, and applicable federal and state lending regulations.
  • Financial & Data Analysis - Advanced proficiency in Excel and the ability to analyze underwriting metrics, portfolio trends, and credit performance.
  • Exception & Portfolio Management - Experience evaluating policy exceptions, monitoring portfolio credit quality, and supporting quality control and audit reviews.
  • Loan Origination Systems (LOS) - Hands-on experience with Encompass, Byte, LendingPad, or similar LOS platforms, including underwriting workflow and condition management.

Benefits
What We Offer
$80,000-$100,000 annually.
Paid Time Off (PTO).
Fully remote - work from wherever you do your best work!
Ready to Apply?
If this sounds like you, we'd love to hear from you - submit your CV in English and hit Apply!

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