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Mortgage Credit Risk Management Jobs (NOW HIRING)

Freddie Mac

Seller Credit Risk Manager

Mclean, VA · On-site

$128K - $192K/yr

Bachelor's Degree or equivalent with 8+ years in mortgage industry-related roles * 5+ years in credit risk management or underwriting to include expertise in mortgage credit risk, underwriting and ...

Freddie Mac

Seller Credit Risk Manager

Plano, TX · On-site

$128K - $192K/yr

Bachelor's Degree or equivalent with 8+ years in mortgage industry-related roles * 5+ years in credit risk management or underwriting to include expertise in mortgage credit risk, underwriting and ...

Freddie Mac

Seller Credit Risk Manager

Plano, TX · On-site

$128K - $192K/yr

Bachelor's Degree or equivalent with 8+ years in mortgage industry-related roles * 5+ years in credit risk management or underwriting to include expertise in mortgage credit risk, underwriting and ...

FHLBank Chicago

Manager, Markets Credit

Chicago, IL · Hybrid

... risk management of the Bank's Mortgage Partnership Finance (MPF) and investment portfolio. This role leads a team of credit risk analysts in developing and maintaining mortgage credit models ...

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How much do mortgage credit risk management jobs pay per year?

As of Jun 6, 2026, the average yearly pay for mortgage credit risk management in the United States is $158,312.00, according to ZipRecruiter salary data. Most workers in this role earn between $133,500.00 and $177,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive in the Mortgage Credit Risk Management position, and why are they important?

To thrive in Mortgage Credit Risk Management, a strong background in finance, risk analysis, and an understanding of mortgage underwriting standards is essential, often backed by a related degree or certification such as FRM or CFA. Experience with risk modeling software, data analytics tools, and an understanding of regulatory requirements are highly valued in this field. Excellent analytical thinking, attention to detail, strong communication, and collaborative abilities help professionals excel in cross-functional teams. These competencies ensure effective identification, assessment, and management of mortgage credit risks, directly supporting an organization's financial stability and compliance.

What are the typical challenges faced in a Mortgage Credit Risk Management role?

Professionals in Mortgage Credit Risk Management often encounter challenges such as accurately assessing borrower risk profiles, adapting to continuously evolving regulatory requirements, and responding to market fluctuations that impact mortgage portfolios. Balancing organizational risk appetite with prudent lending practices requires both analytical rigor and sound judgment. Team members frequently collaborate with underwriting, compliance, and data analysis teams to design effective risk controls and mitigate potential losses. The role can be fast-paced, requiring agility in decision-making and a proactive approach to identifying emerging risks, but it also offers significant opportunities to develop expertise in credit analysis and risk strategy.

What is a Mortgage Credit Risk Management job?

A Mortgage Credit Risk Management job involves assessing and mitigating the risk of borrower defaults on mortgage loans. Professionals in this role analyze credit profiles, evaluate loan portfolios, and develop risk models to ensure lenders make informed decisions. They work with compliance teams, monitor market trends, and implement strategies to minimize financial losses. Strong analytical skills and knowledge of regulatory requirements are essential for success in this field.

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Mortgage Credit Risk Management jobs near you
Seller Credit Risk Manager

Seller Credit Risk Manager

Freddie Mac

Mclean, VA • On-site

$128K - $192K/yr

Full-time

Posted 28 days ago

Job description

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it's at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Continue your career journey where your work contributes to a greater purpose.

Position Overview:

The Credit Manager for Single-Family Seller Credit Risk Management is tasked with identifying, evaluating, and managing credit risk at the Seller/Servicer level, ensuring alignment with Freddie Mac's Seller/Servicer Guide, risk appetite, and housing mission. This role collaborates with internal teams to monitor seller credit profiles, address inquiries, and resolve issues where practices diverge from Freddie Mac requirements.

Our Impact:

The Single-Family Seller Credit Risk Management team is an integral part of ensuring the credit risk Freddie Mac takes on is appropriately monitored and managed at a Seller/Servicer level to support our mission of affordable housing and promotion of liquidity in a safe, sound, and responsible way.

Your Impact:

  • Strategy:Develop a strong understanding of assigned Sellers, Credit Risk Management objectives, loan programs, and operating procedures. Deliver practical, risk-based solutions within established risk tolerances.
  • Execution:Monitor Seller credit risk, focusing on delivery profile trends and loan performance. Identify emerging issues and recommend actions to sustain or improve credit quality.
  • Relationship Management:Manage and strengthen internal and external relationships related to credit matters.
  • Risk Management:Partner with business and risk stakeholders on credit risk assessments and policy applications.

Qualifications:

  • Bachelor's Degree or equivalent with 8+ years in mortgage industry-related roles
  • 5+ years in credit risk management or underwriting to include expertise in mortgage credit risk, underwriting and seller/servicer eligibility
  • Strong command of GSE policy and Freddie Mac Seller/Servicer Guide requirements
  • Analytical and data-driven approach to risk assessment, along with interest in utilizing AI tools for efficiency improvement
  • Proven ability to build and manage relationships with sellers, servicers, and stakeholders utilizing strong written and oral communication skills

Keys to Success:

  • Clear, Executive-Ready Communication:Convey complex credit issues clearly and concisely to senior leadership.
  • Strong Governance, Controls, and Compliance Mindset:Ensure alignment with internal risk frameworks and regulatory expectations.
  • Change Agility and Adaptability:Quickly adapt to evolving market conditions and emerging risks while maintaining sound risk management principles.

We consider all applicants for all positions without regard to gender, race, color, religion, national origin, age, marital status, veteran status, sexual orientation, gender identity/expression, physical and mental disability, pregnancy, ethnicity, genetic information or any other protected categories under applicable federal, state or local laws. We will ensure that individuals are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

Freddie Mac offers a comprehensive total rewards package to include competitive compensation and market-leading benefit programs. Information on these benefit programs is available on our Careers site.

This position has an annualized market-based salary range of $128,000 - $192,000 and is eligible to participate in the annual incentive program. The final salary offered will generally fall within this range and is dependent on various factors including but not limited to the responsibilities of the position, experience, skill set, internal pay equity and other relevant qualifications of the applicant.Employment Type: FULL_TIME
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About Freddie Mac

Sourced by ZipRecruiter

Today, Freddie Mac makes home possible for one in four home borrowers and is one of the largest sources of financing for multifamily housing. Join our smart, creative and dedicated team and you'll do important work for the housing finance system and make a difference in the lives of others.

Industry

Finance and insurance

Company size

5,001 - 10,000 Employees

Headquarters location

McLean, VA, US

Year founded

1970

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