H-1B Visa Credit Risk Analyst Jobs
Credit Risk Analyst roles qualify as H-1B visa specialty occupations because they require at least a bachelor's degree in finance, statistics, economics, or a related quantitative field. Banks, credit unions, fintech companies, and insurance firms regularly sponsor H-1B petitions for this role, and the annual 85,000-cap lottery applies unless your employer is cap-exempt.
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Credit Risk Quantitative Model Analyst Sr
Location
Nationwide, MI 48098
Job Summary
The Senior Credit Risk Quantitative Model Analyst supports the Credit Risk Administration Team with the development, testing, implementation, monitoring, documentation, and maintenance of all credit risk rating models. Responsibilities include sourcing, cleaning, and transforming data; researching applicable methods; training and testing a variety of specifications; documenting all facets of the development process; implementation of models and related logic in production systems; assessing outputs across different levels of inputs (sensitivity analysis and scenario analysis); back-testing and ongoing performance monitoring; and, communicating aspects of the model and its application to non-technical stakeholders.
JOB RESPONSIBILITIES
- Develop and apply mathematical or statistical theory and methods to collect, organize, interpret, and summarize numerical data sets from multiple sources to develop credit risk rating models or other credit risk-related initiatives.
- Derive model assumptions that are well reasoned and supportable.
- Monitor the performance and calibration of existing models.
- Implement models in code in a transparent and easily maintainable way within loan origination applications.
- Comprehensively and clearly document all modeling or analysis work that meets internal, GAAP, and regulatory requirements; translate model theory and related results for non-quantitative audiences.
- Develop and support strong controls for the model implementation framework and maintain related documentation.
- Support independent model validation process, internal and external audits, and regulatory reviews.
- Interact with model users, validators, and regulators to address model issues and remediation actions.
- Interact with key stakeholder groups such as Accounting, Treasury, Credit, Lines of Business, Model Risk Management, and Enterprise Technology in the design, development, and ongoing usage of models.
ADDITIONAL ACCOUNTABILITIES
- Performs special projects, and additional duties and responsibilities as required.
- Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.
Job Requirements
Required Qualifications:
- Education level required: Undergraduate Degree (4 years or equivalent) A Bachelor’s degree in a quantitative field with additional certifications or experience.
- Minimum experience required: 6+ Years of model development, model performance monitoring or validation experience, particularly in credit risk.
- Experience with at least one of the following software packages: R, SAS, SQL, Python.
Preferred Qualifications:
- Education level preferred: Master's Degree (or Postgraduate equivalent) Master’s degree in Statistics, Econometrics, Mathematics or related quantitative field.
- Experience with commercial dual risk rating frameworks, especially in PD/LGD/EAD modeling approaches.
- Experience developing credit risk models and programming user interfaces.
- Experience with nCino implementation of risk rating models and financial spreading process.
- Working knowledge of Generally Accepted Accounting Principles (GAAP), Basel III, Dodd-Frank Act Stress Testing, CCAR, and bank accounting/regulatory reporting requirements.
- Ability to use advanced statistical and mathematical software to perform descriptive, predictive, and prescriptive analysis leveraging a variety of statistical techniques (such as segmentation, logistic regression, sensitivity analysis, and machine learning).
Job Competencies:
- Strong analytical and critical thinking skills with high attention to detail and accuracy.
- Excellent verbal, written, and interpersonal communication skills.
- Ability to clearly articulate, in writing or orally, ideas, analytic insights, and recommendations to both technical and non-technical audiences, including an executive audience.
- An ability to identify key problems, conduct in-depth research, and articulate well-reasoned solutions.
- Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
- Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.
- Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders.
- Travel is not required for this role.
- Physical demands (ADA): No unusual physical exertion is involved.
Flagstar is an Equal Opportunity Employer
We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | Flagstar Bank
Pay Range
$91,068.75 - $160,740.00
Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as applicable.
Position Title
Credit Risk Quantitative Model Analyst Sr
Location
Nationwide, MI 48098
Job Summary
The Senior Credit Risk Quantitative Model Analyst supports the Credit Risk Administration Team with the development, testing, implementation, monitoring, documentation, and maintenance of all credit risk rating models. Responsibilities include sourcing, cleaning, and transforming data; researching applicable methods; training and testing a variety of specifications; documenting all facets of the development process; implementation of models and related logic in production systems; assessing outputs across different levels of inputs (sensitivity analysis and scenario analysis); back-testing and ongoing performance monitoring; and, communicating aspects of the model and its application to non-technical stakeholders.
JOB RESPONSIBILITIES
- Develop and apply mathematical or statistical theory and methods to collect, organize, interpret, and summarize numerical data sets from multiple sources to develop credit risk rating models or other credit risk-related initiatives.
- Derive model assumptions that are well reasoned and supportable.
- Monitor the performance and calibration of existing models.
- Implement models in code in a transparent and easily maintainable way within loan origination applications.
- Comprehensively and clearly document all modeling or analysis work that meets internal, GAAP, and regulatory requirements; translate model theory and related results for non-quantitative audiences.
- Develop and support strong controls for the model implementation framework and maintain related documentation.
- Support independent model validation process, internal and external audits, and regulatory reviews.
- Interact with model users, validators, and regulators to address model issues and remediation actions.
- Interact with key stakeholder groups such as Accounting, Treasury, Credit, Lines of Business, Model Risk Management, and Enterprise Technology in the design, development, and ongoing usage of models.
ADDITIONAL ACCOUNTABILITIES
- Performs special projects, and additional duties and responsibilities as required.
- Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.
Job Requirements
Required Qualifications:
- Education level required: Undergraduate Degree (4 years or equivalent) A Bachelor’s degree in a quantitative field with additional certifications or experience.
- Minimum experience required: 6+ Years of model development, model performance monitoring or validation experience, particularly in credit risk.
- Experience with at least one of the following software packages: R, SAS, SQL, Python.
Preferred Qualifications:
- Education level preferred: Master's Degree (or Postgraduate equivalent) Master’s degree in Statistics, Econometrics, Mathematics or related quantitative field.
- Experience with commercial dual risk rating frameworks, especially in PD/LGD/EAD modeling approaches.
- Experience developing credit risk models and programming user interfaces.
- Experience with nCino implementation of risk rating models and financial spreading process.
- Working knowledge of Generally Accepted Accounting Principles (GAAP), Basel III, Dodd-Frank Act Stress Testing, CCAR, and bank accounting/regulatory reporting requirements.
- Ability to use advanced statistical and mathematical software to perform descriptive, predictive, and prescriptive analysis leveraging a variety of statistical techniques (such as segmentation, logistic regression, sensitivity analysis, and machine learning).
Job Competencies:
- Strong analytical and critical thinking skills with high attention to detail and accuracy.
- Excellent verbal, written, and interpersonal communication skills.
- Ability to clearly articulate, in writing or orally, ideas, analytic insights, and recommendations to both technical and non-technical audiences, including an executive audience.
- An ability to identify key problems, conduct in-depth research, and articulate well-reasoned solutions.
- Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
- Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.
- Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders.
- Travel is not required for this role.
- Physical demands (ADA): No unusual physical exertion is involved.
Flagstar is an Equal Opportunity Employer
We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | Flagstar Bank
Pay Range
$91,068.75 - $160,740.00
Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as applicable.
See all 1,038+ H-1B Visa Credit Risk Analyst Jobs
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Get Access To All JobsTips for Finding H-1B Visa Sponsorship as a Credit Risk Analyst
Align your degree to the SOC code
USCIS scrutinizes whether your degree field directly relates to credit risk work. A finance, statistics, or economics degree maps cleanly to SOC 13-2041. If your degree is in a different field, gather transcript evidence showing quantitative coursework to pre-empt an RFE.
Use OFLC Wage Search before negotiating
Your employer's LCA must certify a wage at or above the DOL prevailing wage for your metro area and experience level. Pull the current figure from OFLC Wage Search so you know the floor before you enter salary discussions, not after an offer is signed.
Target employers with cap-exempt filing history
Universities, nonprofit research institutions, and government-affiliated entities are cap-exempt, meaning your H-1B petition bypasses the lottery entirely. Credit risk roles exist at these organizations in areas like student loan risk, endowment management, and government-backed lending programs.
Find H-1B sponsors on Migrate Mate
Filter Credit Risk Analyst listings on Migrate Mate by employers with verified H-1B LCA filing history so you're applying only to companies that have sponsored this role before, not guessing based on company size or brand name.
Submit your petition early in the filing window
USCIS opens H-1B registration in March and closes it within days. If selected, your employer has until June 30 to file the full I-129 petition. Delays in gathering your credentials, degree evaluations, or employer documentation routinely push filings past that deadline.
Verify your employer is E-Verify enrolled before signing
If you're on OPT and transitioning to H-1B, your STEM OPT extension requires your employer to be enrolled in E-Verify. Confirm enrollment before accepting an offer, since withdrawing STEM OPT authorization after the fact creates a gap in your work authorization.
H-1B Visa Credit Risk Analyst: Frequently Asked Questions
Does a Credit Risk Analyst role qualify as an H-1B specialty occupation?
Yes. USCIS consistently treats Credit Risk Analyst positions as specialty occupations because the role requires at least a bachelor's degree in a specific field such as finance, economics, statistics, or mathematics. The key is that your employer's job description must specify a degree requirement, not merely a preference. Roles described as open to any bachelor's degree regardless of field have faced RFEs, so the posting language matters.
Which types of employers most commonly sponsor H-1B visas for Credit Risk Analysts?
Commercial banks, investment banks, credit card issuers, fintech lenders, insurance companies, and credit rating agencies are the most active H-1B sponsors for this role. You can identify which specific employers have filed LCAs for Credit Risk Analyst positions by searching Migrate Mate, which surfaces employers with verified DOL Labor Condition Application filing history for this occupation.
What happens to my H-1B status if my employer's credit risk function is restructured or my role is eliminated?
Your H-1B status is tied to your specific employer and position. If your role is eliminated, you have a 60-day grace period to find a new sponsor, transfer your H-1B to a new employer, or depart the U.S. A new employer can file an H-1B transfer petition on your behalf, and you can start working as soon as USCIS receives that petition, not after approval, under the portability rules in AC21.
Can I use O*NET to verify that my Credit Risk Analyst role meets H-1B requirements?
O*NET lists Credit Analysts under SOC code 13-2041 and documents the typical education and knowledge requirements for the occupation. While USCIS doesn't rely solely on O*NET classifications, the profile supports your employer's argument that the position requires a specific bachelor's degree. Including O*NET documentation in your petition package alongside the job description strengthens the specialty occupation case.
Does the prevailing wage level assigned to my role affect my H-1B approval odds?
The prevailing wage level, set by DOL through OFLC, doesn't directly affect approval odds, but it affects what your employer must certify on the LCA. If your employer assigns a Level I wage to a senior analyst role, USCIS may question whether the position is truly specialized. Wage Level III or IV assignments for experienced Credit Risk Analysts are more consistent with the specialty occupation standard and less likely to trigger RFEs.