Senior Credit Risk Modeling Analyst; Reside in Texas

Senior Credit Risk Modeling Analyst

The Senior Credit Risk Modeling Analyst will design and build credit risk models to enable automated underwriting, optimize decision rates and loss performance, and continuously monitor model performance for emerging risks.

This position is based in Texas and requires a hybrid work schedule (remote and onsite at the RBFCU Administrative Service Center: 1 Ikea‑RBFCU Pkwy, Live Oak, Texas 78233). Applicants must reside within the state of Texas, have reliable high‑speed internet access, and a suitable home workspace.

• Utilize risk modeling techniques to identify, quantify, and forecast potential credit risk and opportunities for the institution.
• Develop and maintain expertise in risk quantification and modeling to support internal and external stakeholders.
• Collaborate with stakeholders to understand product characteristics used for modeling and assist in communicating and educating about current and expected risk exposures.
• Make recommendations to management on current and future strategies and profitability projections.
• Perform quantitative analysis for institution stakeholders as needed.
• Leverage expertise to foster and expand collective knowledge within the team.
• Gather and analyze pertinent data to create or strengthen models that forecast risk exposure and inform business decisions.
• Continuously monitor the economic and business environments to update models as new data becomes available.
• Define, document, and summarize methodologies, assumptions, and results of risk models and prepare reports for management.
• Act as a liaison between lending and IT to assist in the aggregation and organization of institutional data for use in models and reporting.
• Perform other duties as assigned (subject to change without notice).

• Master’s degree in finance, statistics, or another quantitative field, or six years of job‑related experience in lieu of a master’s degree.
• Minimum five years of experience in a similar role or related areas within the banking/financial services industry.
• Strong analytical, mathematical, organizational, and planning skills.
• Ability to articulate complex theories, concepts, methodologies, and findings to a non‑technical audience.
• Innovative self‑starter with the ability to meet deadlines, work independently, and think outside the box.
• Excellent interpersonal skills and a desire to pursue best practices in a challenging team environment.
• Proficient and advanced knowledge of statistical modeling and other quantitative techniques, including linear & non‑linear regression, optimization, simulation, time‑series analysis, probability theory, survival analysis, and value‑at‑risk.
• Knowledgeable of modeling systems and/or computer programming languages used for modeling (e.g., Python & R).
• Ability to complete multiple projects and meet deadlines with minimal assistance.
• Capable of working on assignments with minimal assistance.

All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.

• 401(k) with matching incentives up to 10 percent.
• Competitive pay.
• Medical, vision and dental benefits available from the first day of employment.
• Tuition reimbursement plans.
• Life insurance.
• Pharmacy discount program.
• Flexible Spending (FSA), Health Savings (HSA) and Dependent Care account options.
• Paid time off and parental leave.
• Company‑paid benefits include long‑term disability and basic life insurance.
• Wellness program, credit‑monitoring service and employee assistance program.
• Training and volunteer opportunities.