Credit Risk Modeling & Analysis

Ascendo Resources; United States; Hybrid; USD 75,000 - 85,000; Full time

Job summary

A financial services company in Miami, FL is seeking an Associate Analyst specialized in credit risk models. The role involves enhancing ACL models, conducting data analysis, and collaborating with cross-functional teams. Candidates should hold a quantitative degree and have experience in financial services, proficient in Excel and Tableau. This full-time position allows for a hybrid work model, requiring a mix of in-office and remote work.

Qualifications

• 1+ year in financial services.
• Experienced in managing and analyzing large-scale data sets.
• Detail-oriented under deadlines.

Responsibilities

• Advance and operationalize Moody’s CMM.
• Execute PD/LGD modeling runs for ACL.
• Automate model/report pipelines.

Skills

Hands-on analytics/modeling

Strong Excel

Tableau

Python

Statistical/quantitative modeling

Education

Bachelor’s in a quantitative field

Tools

Tableau

Excel

PowerPoint

Job description

Base pay range

$75,000.00/yr - $85,000.00/yr

About the Role

Join a high-impact risk team owning and enhancing credit risk models and the Allowance for Credit Losses (ACL). You’ll run third-party models (CRE, C&I, Residential), analyze PD/LGD behavior, and produce quarterly CECL estimates—partnering closely with Credit, Accounting, Data, and Audit. You’ll also refine our use of Moody’s modeling suite and a reserve engine, build repeatable reporting (Tableau/Excel/PowerPoint), and present results to senior leadership.

What You’ll Do

• Serve as a power-user and steward of third-party credit loss models; maintain documentation to internal/regulatory standards.
• Advance and operationalize Moody’s CMM, RiskCalc, and MPA outputs for back-testing, attribution, and reserving.
• Execute PD/LGD modeling runs for ACL, planning/forecasting, and ad-hoc needs; QA/diagnose anomalies.
• Build expertise in the reserve calculation engine (e.g., Evolv); perform runs, testing/debugging, and report building.
• Produce quarterly CECL documentation (methods/results) for management and internal/external auditors; support ASC 326-20 reviews.
• Compile current-economy assessment materials for review/challenge by the forecasting committee.
• Automate model/report pipelines; partner with data/tech to strengthen data infrastructure.
• Deliver recurring/ad-hoc reporting via Tableau, Excel, PowerPoint, and Word; present results to stakeholders.
• Adhere to bank policies and AML/BSA/Patriot Act requirements; report suspicious activity.

What You’ll Bring

• Bachelor’s in a quantitative field (Statistics, Finance, Math, Engineering, Economics).
• 1+ year in financial services with hands‑on analytics/modeling; strong Excel/Word/PowerPoint. Tableau preferred. Python a plus.
• Experienced in managing and analyzing large‑scale data sets (thousands of records).
• Working knowledge of statistical/quantitative modeling, database querying/merging, and credit risk concepts (PD/LGD, cash‑flow mechanics).
• Clear communication for cross‑functional audiences; detail‑oriented under deadlines. Relevant certifications (CFA/FRM/PRM) are a plus.

Location

Miami, FL (hybrid, with some days working remotely and the rest working from in‑office)

EEO

We’re an equal opportunity employer. All qualified applicants will receive consideration without regard to any protected characteristic.

Apply

Submit your updated resume highlighting your relevant experience to this role

Seniority level

• Associate

Employment type

• Full‑time

Job function

• Analyst, Finance, and Information Technology

Industries

• Financial Services, Banking, and Investment Banking