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Mortgage Credit Risk Management Jobs (NOW HIRING)

CEI

Mortgage Credit Analyst

Manhattan, NY · On-site

Mortgage Credit Analyst Location: New York City, NY (Hybrid ) Contract: W2 only, Pay: $ 72 /hour ... Strong understanding of credit risk management principles and practices, including credit rating ...

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$86.5K

$158.3K

$239.5K

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

As of Jul 25, 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
Infographic showing various Mortgage Credit Risk Management job openings in the United States as of July 2026, with employment types broken down into 74% Full Time, 13% Part Time, and 13% Contract. Highlights an 87% In-person, and 13% Hybrid job distribution, with an average salary of $158,312 per year, or $76.1 per hour.

Residential Mortgage Underwriter

Amerantbank

Hollywood, FL • On-site

Full-time

Posted 29 days ago

Job description

About the Role:

This role plays a critical role in ensuring the integrity and compliance of mortgage credit processes within the organization. This position is responsible for overseeing the evaluation, approval, and monitoring of mortgage credit applications to mitigate risk and uphold regulatory standards. The officer will collaborate closely with, risk management, and compliance teams to maintain accurate documentation and adherence to internal policies and external regulations. By analyzing credit data and financial statements, the officer ensures that mortgage lending decisions are sound and support the institution's financial health. Ultimately, this role contributes to the organization's goal of providing responsible lending solutions while minimizing credit risk exposure.

Minimum Qualifications:

  • Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
  • Minimum of 3 years of experience in mortgage credit administration, underwriting, or a related financial services role.
  • Strong knowledge of mortgage lending regulations and compliance requirements in the United States.
  • Proficiency in credit analysis and financial statement review.
  • Excellent organizational skills with attention to detail and accuracy.

Preferred Qualifications:

  • Professional certification such as Certified Mortgage Banker (CMB) or similar credentials.
  • Experience with mortgage loan origination systems and credit risk management software.
  • Familiarity with federal and state mortgage lending laws including RESPA, TILA, and ECOA.
  • Advanced Excel and data analysis skills.
  • Prior experience working in a regulatory or audit environment.

Responsibilities:

  • Review and assess mortgage credit applications for completeness, accuracy, and compliance with regulatory and internal guidelines.
  • Coordinate with underwriting and risk management teams to evaluate creditworthiness and identify potential risks associated with mortgage lending.
  • Maintain and update mortgage credit files, ensuring all documentation is properly filed and accessible for audits and regulatory reviews.
  • Monitor ongoing mortgage credit portfolios to detect early signs of credit deterioration and recommend appropriate actions.
  • Prepare detailed reports on mortgage credit activities, trends, and compliance status for senior management and regulatory bodies.
  • Assist in the development and implementation of credit policies and procedures to enhance operational efficiency and risk mitigation.
  • Provide training and guidance to junior staff on mortgage credit administration best practices and regulatory requirements.

Skills:

This role utilizes analytical skills daily to evaluate credit applications and financial documents, ensuring that lending decisions are well-informed and compliant. Strong communication skills are essential for collaborating with internal teams and conveying complex credit information clearly to stakeholders. Organizational skills are critical for maintaining comprehensive and accurate credit files that support audit readiness and regulatory compliance. Proficiency with mortgage software and data analysis tools enables the officer to efficiently monitor credit portfolios and generate insightful reports. Additionally, knowledge of regulatory frameworks guides the officer in implementing policies that safeguard the institution against credit risk while promoting responsible lending.


This position is Florida based and hybrid/remote work eligible.