... 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 ...
Quick apply
... 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 ...
... 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 ...
Quick apply
... 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 ...
... 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 ...
Quick apply
... 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 ...
... 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 ...
Quick apply
... 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 ...
... 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 ...
... 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 ...
... 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 ...
Quick apply
... 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 ...
... 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 ...
Quick apply
... 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 ...
NY · On-site
... 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 ...
NY · On-site
... 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 ...
Credit Risk Officer II
Nashville, TN · On-site
Credit Risk Officer II Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising independent judgement and providing constructive and credible ...
Credit Risk Officer II
Nashville, TN · On-site
Credit Risk Officer II Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising independent judgement and providing constructive and credible ...
Credit Risk Officer II
Atlanta, GA · On-site
Credit Risk Officer II Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising independent judgement and providing constructive and credible ...
Credit Risk Officer II
Atlanta, GA · On-site
Credit Risk Officer II Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising independent judgement and providing constructive and credible ...
Credit Risk Officer II
Charlotte, NC · On-site
Credit Risk Officer II Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising independent judgement and providing constructive and credible ...
Credit Risk Officer II
Charlotte, NC · On-site
Credit Risk Officer II Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising independent judgement and providing constructive and credible ...
Credit Risk Officer II
Charlotte, NC · On-site
Credit Risk Officer II Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising independent judgement and providing constructive and credible ...
Credit Risk Officer II
Charlotte, NC · On-site
Credit Risk Officer II Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising independent judgement and providing constructive and credible ...
Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities. * Review periodic Bancorp credit quality reports to assess ...
Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities. * Review periodic Bancorp credit quality reports to assess ...
Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities. * Review periodic Bancorp credit quality reports to assess ...
Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities. * Review periodic Bancorp credit quality reports to assess ...
Senior Credit Risk Officer
Fort Worth, TX · On-site
If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...
Senior Credit Risk Officer
Fort Worth, TX · On-site
If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...
Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities. * Review periodic Bancorp credit quality reports to assess ...
Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities. * Review periodic Bancorp credit quality reports to assess ...
Senior Credit Risk Officer
Fort Worth, TX · On-site
If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...
Senior Credit Risk Officer
Fort Worth, TX · On-site
If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...
Credit Risk Officer II
Cincinnati, OH · On-site
Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities. * Review periodic Bancorp credit quality reports to assess ...
Credit Risk Officer II
Cincinnati, OH · On-site
Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities. * Review periodic Bancorp credit quality reports to assess ...
Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities. * Review periodic Bancorp credit quality reports to assess ...
Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities. * Review periodic Bancorp credit quality reports to assess ...
Senior Credit Risk Officer
Fort Worth, TX · On-site
If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...
Senior Credit Risk Officer
Fort Worth, TX · On-site
If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At ...
Mortgage Credit Risk Officer information
See salary details
$76.5K - $88.7K
6% of jobs
$88.7K - $100.9K
11% of jobs
$110.3K is the 25th percentile. Wages below this are outliers.
$100.9K - $113K
9% of jobs
$113K - $125.2K
11% of jobs
The median wage is $133.1K / yr.
$125.2K - $137.4K
18% of jobs
$137.4K - $149.6K
18% of jobs
$150.8K is the 75th percentile. Wages above this are outliers.
$149.6K - $161.8K
10% of jobs
$161.8K - $174K
9% of jobs
$174K - $186.1K
6% of jobs
$186.1K - $198.3K
0% of jobs
$198.3K - $210.5K
0% of jobs
$76.5K
$134.9K
$210.5K
How much do mortgage credit risk officer jobs pay per year?
As of Sep 9, 2026, the average yearly pay for mortgage credit risk officer in the United States is $134,851.00, according to ZipRecruiter salary data. Most workers in this role earn between $109,000.00 and $154,000.00 per year, depending on experience, location, and employer.
What does a mortgage credit risk officer do?
A Mortgage Credit Risk Officer is responsible for assessing and managing the risk associated with mortgage lending. They analyze applicants' creditworthiness, evaluate loan documentation, and ensure that lending practices comply with regulatory requirements. Their role is crucial in minimizing the financial institution’s exposure to potential losses by implementing risk mitigation strategies and monitoring loan performance. They also help develop credit risk policies and work closely with other departments to ensure sound lending decisions.
How does a mortgage credit risk officer typically interact with other departments to manage loan portfolio risks?
As a Mortgage Credit Risk Officer, you’ll regularly collaborate with departments such as underwriting, lending, compliance, and portfolio management. You’ll work closely with underwriters to review and approve loan applications, communicate with compliance teams to ensure adherence to regulatory guidelines, and partner with portfolio managers to monitor and report on credit quality trends. This cross-functional teamwork is crucial for proactively identifying potential risks, implementing risk mitigation strategies, and ensuring the overall health of the mortgage portfolio.
What are the key skills and qualifications needed to thrive as a mortgage credit risk officer, and why are they important?
To thrive as a Mortgage Credit Risk Officer, you need a strong background in finance, risk analysis, and mortgage lending regulations, often supported by a degree in finance or business and relevant experience. Familiarity with risk assessment tools, credit scoring systems, and regulatory compliance software is typically required. Strong analytical thinking, attention to detail, and effective communication skills distinguish top performers in this role. These skills are crucial for accurately assessing borrower risk, ensuring regulatory compliance, and protecting the financial institution from potential losses.
What is the difference between Mortgage Credit Risk Officer vs Mortgage Underwriter?
| Aspect | Mortgage Credit Risk Officer | Mortgage Underwriter |
|---|---|---|
| Primary Role | Assess and manage the risk of mortgage loan portfolios, develop risk strategies | Evaluate individual mortgage applications for approval based on creditworthiness |
| Required Credentials | Typically requires a finance or banking background, certifications like CAMS or CRC | Often requires mortgage licensing, underwriting certifications, or related training |
| Work Environment | Banking or financial institutions, risk management departments | Mortgage lenders, banks, or mortgage brokerage firms |
| Industry Usage | Used in risk management and compliance teams | Used in loan processing and approval teams |
The Mortgage Credit Risk Officer focuses on assessing and managing the overall risk associated with mortgage portfolios, while the Mortgage Underwriter evaluates individual loan applications for approval. Both roles require financial knowledge and industry certifications, but their responsibilities differ in scope and focus within the mortgage lending process.
What are popular job titles related to Mortgage Credit Risk Officer jobs?
For Mortgage Credit Risk Officer jobs, the most frequently searched job titles are:
Residential Mortgage Underwriter
Plantation, FL • On-site
Amerantbank
Full-time
Posted 27 days ago
Key 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.
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.