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Mortgage Accounting Jobs (NOW HIRING)

Golden 1

Staff Accountant

Sacramento, CA · On-site

$80 - $100/hr

The ideal candidate will have a background in mortgage accounting or similar areas. Job Title: Staff Ac countant Status: Exempt Reports to: Sr Manager - Accounting Department: Accounting Job Code ...

LoanCare

INVESTOR REPORTING ANALYST II - REMOTE

$22.45 - $37.69/hr

Responsibilities • Complete mortgage accounting activity reports for moderately complex agency, guarantor, investor, trustee, and client portfolios. • Utilize basic understanding and knowledge of ...

World Business Lenders, LLC

Director of Accounting for high-potential leaders growing into executive scope). * The ideal candidate will have direct experience within the Non-QM mortgage lending industry, with a strong ...

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Mortgage Accounting information

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$13

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How much do mortgage accounting jobs pay per hour?

As of Sep 8, 2026, the average hourly pay for mortgage accounting in the United States is $24.92, according to ZipRecruiter salary data. Most workers in this role earn between $20.19 and $28.37 per hour, depending on experience, location, and employer.

What is mortgage accounting?

Mortgage accounting refers to the specialized area of accounting focused on tracking, managing, and reporting financial transactions related to mortgage loans. Professionals in this field handle tasks such as processing loan payments, maintaining escrow accounts, reconciling balances, and ensuring compliance with financial regulations. Accurate mortgage accounting is essential for lending institutions to monitor cash flow, manage risk, and provide transparent reports to stakeholders. It often requires knowledge of both general accounting principles and the specific regulations governing the mortgage industry.

What are the key skills and qualifications needed to thrive in mortgage accounting?

To thrive in Mortgage Accounting, you need strong analytical skills, attention to detail, and a solid understanding of accounting principles, often supported by a degree in accounting or finance. Familiarity with mortgage loan servicing software, general ledger systems, and spreadsheet tools like Excel is typically required, and certifications such as CPA can be advantageous. Excellent organizational skills, problem-solving abilities, and effective communication are key soft skills that help navigate complex transactions and collaborate with cross-functional teams. These competencies are crucial for ensuring regulatory compliance, accurate financial reporting, and the smooth processing of mortgage-related transactions.

What are some typical challenges faced in a mortgage accounting role, and how can I prepare for them?

Mortgage accounting professionals often encounter challenges such as managing complex reconciliations, staying current with regulatory changes, and handling large volumes of transactions. Attention to detail is essential, as small errors can have significant financial implications. To prepare, it's helpful to develop strong organizational skills, stay updated on mortgage industry regulations, and become comfortable with specialized accounting software. Collaboration with loan officers, underwriters, and auditors is also common, so effective communication skills are important.

What is the difference between Mortgage Accounting vs Loan Officer?

AspectMortgage AccountingLoan Officer
Primary RoleManaging financial records related to mortgage loans, including payments, escrow, and complianceSelling and originating mortgage loans, guiding clients through the loan process
Required CredentialsAccounting or finance certifications, knowledge of mortgage regulationsReal estate licenses, sales experience, and knowledge of loan products
Work EnvironmentFinance departments, banks, mortgage companiesReal estate offices, banks, mortgage brokerage firms
Industry UsageFinancial management within mortgage lendingClient-facing sales and loan origination

Mortgage Accounting focuses on managing the financial aspects of mortgage loans, ensuring accurate record-keeping and compliance. In contrast, Loan Officers primarily work with clients to originate and sell mortgage loans. Both roles are essential in the mortgage industry but serve different functions.

More about Mortgage Accounting jobs

What cities are hiring for Mortgage Accounting jobs?

Cities with the most Mortgage Accounting job openings:

What states have the most Mortgage Accounting jobs?

States with the most job openings for Mortgage Accounting jobs include:

What job categories do people searching Mortgage Accounting jobs look for?

The top searched job categories for Mortgage Accounting jobs are:

Mortgage Accounting jobs near you
Infographic showing various Mortgage Accounting job openings in the United States as of August 2026, with employment types broken down into 88% Full Time, 6% Part Time, 1% Temporary, and 5% Contract. Highlights an 87% Physical, 6% Hybrid, and 7% Remote job distribution, with an average salary of $51,842 per year, or $24.9 per hour.

Manager Mortgage Banking Secondary Marketing

City National Bank

Los Angeles, CA • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 5 days ago

Key responsibilities

  • Develop and lead mortgage secondary market activities and initiatives

  • Develop and manage product, investor, trading/counterparty relationships

  • Execute pooling and delivery to the Agencies and whole loan sales to private investors

Job description

MANAGER MORTGAGE BANKING SECONDARY MARKETING
WHAT IS THE OPPORTUNITY?
Responsible for all aspects of product, pricing, hedging, and trading of residential mortgage loans that are designated as Held for Sale as well as Held for Investment. Aligned with the bank's broader Risk Appetite Statement, this role will be responsible for recommending, managing, and implementing product design/guidelines and execution strategies. This position will own/manage segment level P&L for the origination, processing/manufacturing, sale/securitization, and servicing of residential mortgage loans. Responsibilities will include executing pooling and delivery to the Agencies and whole loan sales to private investors. Responsible for cross-functional partnership with leaders across CNB's US Mortgage Banking group. Core mission is to support the safety/soundness of CNB and to develop best in-class processes, policies and procedures that align with regulatory processes and documentation. The Capital Markets Manager will also partner internally with the finance, data, operations, legal, and risk teams to provide a markets/funding perspective on revenue forecasting, product strategy and operational requirements. The colleague is responsible for developing and implementing new secondary market and portfolio/in-house mortgage programs, as well as, enhancements or modifications to existing programs. This position is a senior level position within CNB and is to provide secondary market and capital markets leadership across the entire residential lending footprint from sales to production and servicing operations.
WHAT WILL YOU DO?
  • Develop and lead mortgage secondary market activities and initiatives
  • Develop and manage product, investor, trading/counterparty relationships
  • Identify and develop new investors that align with high liquidity and safe/sound banking execution
  • Optimize profitability through best execution analysis (product, pricing, counterparty and operational in nature)
  • Consistently execute with best-in-class benchmarks to Agencies and private investors
  • Work closely with the Residential Lending Product and Pricing team to create and implement pricing strategies and production reporting
  • Coordinate with Treasury on balance sheet management and hedging as needed
  • Execute Fannie Mae pooling commitments. Execute Fannie private investor cash loan sales. Seek best execution with pooling and cash sales. Oversee the sales/pools with Post-Closing/Shipping and Mortgage Accounting.
  • Provide guidance and access to appropriate mortgage loan programs, keeping current with any changes in the market, whether it is a new loan program or enhancements to existing loan programs.
  • Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.
  • Develop liquidity options/chambers in partnership with Treasury and other stakeholders for both on balance sheet and off-balance sheet structures.
  • Develop loan sale, retained, and released strategies for MSRs, in connection with emerging regulatory guidance and effects on banks.
  • Develop and lead mortgage secondary market activities and initiatives
  • Develop and manage product, investor, trading/counterparty relationships
  • Identify and develop new investors that align with high liquidity and safe/sound banking execution
  • Optimize profitability through best execution analysis (product, pricing, counterparty and operational in nature)
  • Consistently execute with best
  • Work closely with the US Mortgage Banking Product and Pricing team to create and implement pricing strategies and production reporting
  • Coordinate with Treasury on balance sheet management and hedging as needed
  • Execute Fannie Mae pooling commitments. Execute Fannie private investor cash loan sales. Seek best execution with pooling and cash sales. Oversee the sales/pools with Post
  • Provide guidance and access to appropriate mortgage loan programs, keeping current with any changes in the market, whether it is a new loan program or enhancements to existing loan programs.
  • Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.
  • Develop liquidity options/chambers in partnership with Treasury and other stakeholders for both on balance sheet and off
  • Develop loan sale, retained, and released strategies for MSRs, in connection with emerging regulatory guidance and effects on banks.

WHAT DO YOU NEED TO SUCCEED?
Required Qualifications*
  • Bachelor's Degree or equivalent
  • 20+ years of experience in residential mortgage secondary marketing
  • 10+ years of experience dealing with Fannie/Freddie affordability programs such a as Home Ready or Home Possible is strongly preferred
  • 15+ years of experience with delivery to Fannie Mannie/Freddie Mac
  • 10+ years of experience with sales of non-Agency / non-QM loans
  • 10+ years of experience with structuring private-label residential mortgage-backed securities
  • 15+ years of mortgage pricing engine software implementation experience

Additional Qualifications
  • Strong collaboration and team skills with a focus on cross-group collaboration
  • Strong leadership experience with the ability to effectively manage and engage teams
  • Skill in collecting and analyzing complex data
  • Strong critical thinking skills with ability to frame business issues and apply data analysis to support strategic decision-making
  • Strong collaboration and team skills with a focus on cross-group collaboration.
  • Strong leadership experience with the ability to effectively manage and engage teams.
  • Skill in collecting and analyzing complex data.
  • Strong critical thinking skills with ability to frame business issues and apply data analysis to support strategic decision-making.

WHAT'S IN IT FOR YOU?
Compensation
Starting base salary: $195,995 - $364,003 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
Benefits and Perks
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
  • Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
  • Generous 401(k) company matching contribution
  • Career Development through Tuition Reimbursement and other internal upskilling and training resources
  • Valued Time Away benefits including vacation, sick and volunteer time
  • Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
  • Career Mobility support from a dedicated recruitment team
  • Colleague Resource Groups to support networking and community engagement

Get a more detailed look at our Benefits and Perks.
ABOUT US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us.
INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.

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