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Mortgage Risk Jobs (NOW HIRING)

Bakertilly

OR · On-site

$15.97/hr

The Mortgage QC Verifications Processor is responsible for performing post-closing quality control (QC) reverifications in accordance with Fannie Mae, Freddie Mac, HUD, and VA guidelines. This role ...

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How much do mortgage risk jobs pay per hour?

As of Jun 11, 2026, the average hourly pay for mortgage risk in the United States is $30.69, according to ZipRecruiter salary data. Most workers in this role earn between $30.05 and $30.05 per hour, depending on experience, location, and employer.

What is a mortgage risk analyst?

A mortgage risk analyst is a financial professional who assesses the potential risks involved in lending money for real estate purchases. They analyze borrowers' creditworthiness, property values, market trends, and economic conditions to determine the likelihood of default. Their goal is to help lenders make informed decisions that minimize financial losses while ensuring responsible lending practices. Mortgage risk analysts play a crucial role in maintaining the stability and profitability of mortgage portfolios.

How much does a Risk Manager get paid?

A Risk Manager in the mortgage industry typically earns between $70,000 and $130,000 annually, depending on experience, location, and company size. Senior Risk Managers or those with specialized skills may earn higher salaries, often supplemented with bonuses or incentives.

What is the highest paying risk management job?

In risk management, senior roles such as Chief Risk Officer or Risk Director tend to be the highest paying, often earning six-figure salaries. These positions require extensive experience, advanced certifications like FRM or CRM, and oversight of enterprise-wide risk strategies.

What are the typical challenges faced by professionals in a Mortgage Risk role, and how can they be addressed?

Professionals in Mortgage Risk often encounter challenges such as assessing the creditworthiness of borrowers, staying compliant with evolving regulations, and managing large volumes of data to identify potential risks. Staying updated on regulatory changes and leveraging advanced analytics tools can help address these hurdles. Collaboration with underwriting, compliance, and data analytics teams is crucial to ensure accurate risk assessments and maintain the integrity of the mortgage portfolio. Continuous professional development and strong communication skills also contribute to effectively navigating these challenges.

What are the key skills and qualifications needed to thrive as a Mortgage Risk Analyst, and why are they important?

To thrive as a Mortgage Risk Analyst, you need a solid background in finance, data analysis, and risk assessment, often supported by a degree in finance, economics, or a related field. Familiarity with risk modeling tools, loan origination systems, and regulatory compliance software is typically required. Strong analytical thinking, attention to detail, and effective communication are crucial soft skills for evaluating complex financial data and conveying risk insights. These skills ensure accurate risk evaluation, regulatory adherence, and sound decision-making in mortgage lending.

What does a mortgage risk analyst do?

A mortgage risk analyst evaluates the potential risks associated with mortgage loans by analyzing borrower creditworthiness, financial data, and property values. They use statistical models and risk assessment tools to help lenders make informed lending decisions and manage portfolio risk. Strong analytical skills and knowledge of credit scoring and financial regulations are essential for this role.

What jobs make the most in the mortgage industry?

In the mortgage industry, senior roles such as Mortgage Underwriters, Loan Officers, and Mortgage Branch Managers tend to have the highest salaries. These positions often require specialized knowledge, certifications, and experience, and they typically offer higher compensation due to their responsibilities and expertise.

What is the difference between Mortgage Risk vs Mortgage Underwriter?

AspectMortgage RiskMortgage Underwriter
Primary RoleAssess and manage risks associated with mortgage lendingEvaluate loan applications to ensure compliance and approve or deny loans
CredentialsRisk management certifications, finance backgroundLoan processing certifications, mortgage licensing
Work EnvironmentRisk departments, financial institutionsLoan processing centers, banks, mortgage companies
Industry UsageRisk assessment teams within mortgage lendingLoan approval teams within mortgage lending

Mortgage Risk professionals focus on identifying and mitigating potential risks in mortgage portfolios, while Mortgage Underwriters evaluate individual loan applications to determine approval. Both roles require financial knowledge and industry certifications, but their responsibilities differ in scope and focus.

More about Mortgage Risk jobs
What cities are hiring for Mortgage Risk jobs? Cities with the most Mortgage Risk job openings:
What are the most commonly searched types of Mortgage Risk jobs? The most popular types of Mortgage Risk jobs are:
What states have the most Mortgage Risk jobs? States with the most job openings for Mortgage Risk jobs include:
What job categories do people searching Mortgage Risk jobs look for? The top searched job categories for Mortgage Risk jobs are:
Mortgage Risk jobs near you

Sr Director - Sales and Client Success (Mortgage Risk)

FICO

Remote

$148K - $233K/yr

Full-time

Posted 2 days ago

Job description

FICO (NYSE: FICO) is a leading global analytics software company, helping businesses in 100+ countries make better decisions. Join our world-class team today and fulfill your career potential!
The Opportunity
If you're looking for your next opportunity to make a meaningful business impact across the mortgage industry, bring business expertise to FICO's Scores division, where you will partner with mortgage lenders helping them grow and serve customers. FICO's Scores unit is home to the world's #1 credit score - the FICO® Score - that powers over 10 billion decisions each year.
What You'll Contribute
  • Serve as primary relationship manager and trusted advisor to Chief Risk Officers and senior risk executives at mortgage lenders, servicers, and investors (GSEs & non-agency).
  • Provide expert guidance on mortgage-specific regulatory compliance including QM/ATR, TRID, HMDA, and GSE credit risk transfer requirements.
  • Collaborate with mortgage underwriting teams to optimize loan decisioning processes and improve portfolio performance through FICO mortgage scoring solutions.
  • Partner with mortgage compliance officers to ensure FICO solutions meet fair lending, ECOA, and mortgage-specific consumer protection requirements
  • Develop mortgage risk-focused business cases demonstrating ROI through reduced buyback risk, improved loan quality, and regulatory compliance.
  • Provide thought leadership on emerging mortgage risk trends, regulatory changes, and GSE guideline updates through industry forums and publications.
  • Support mortgage model risk management including validation of credit scoring models, loss forecasting, and regulatory model documentation.
  • Collaborate with internal teams to address mortgage-specific regulatory inquiries, GSE audits, and examination requirements.
  • Analyze client mortgage risk appetite and recommend FICO solutions that align with agency guidelines, investor requirements, and risk tolerance.
  • Monitor GSE credit score requirements, pricing adjustments, and qualification changes to proactively advise clients on portfolio impacts.
  • Facilitate knowledge transfer on mortgage analytics, including credit risk layering, early payment default prevention, and loss mitigation strategies.

What We're Seeking
  • Substantial experience in mortgage credit risk management and investor buy guides.
  • Proven track record of executive-level partnership development within the mortgage servicing ecosystem using a strategic, consultative approach.
  • Deep knowledge of the mortgage regulatory landscape, including QM/ATR, TRID, HMDA, ECOA, fair lending requirements, and GSE credit risk transfer frameworks.
  • Strong understanding of mortgage credit risk fundamentals, including loan decisioning, credit risk layering, early payment default, loss mitigation, and portfolio performance management.
  • Familiarity with GSE credit score requirements, pricing adjustments, and qualification guidelines, with the ability to translate regulatory and guideline changes into actionable client guidance.
  • Outstanding executive presence with superior communication, negotiation, and relationship management capabilities.
  • Strategic thinking combined with tactical execution skills and proven ability to drive results in matrix organizations.
  • Ability to travel 25% to 35% for partner meetings, industry conferences, and strategic planning sessions.

Our Offer to You
  • An inclusive culture that strongly reflects our core values: Act Like an Owner, Delight Our Customers and Earn the Respect of Others.
  • The opportunity to make an impact and develop professionally by leveraging your unique strengths and participating in valuable learning experiences.
  • Highly competitive compensation, benefits and rewards programs that encourage you to bring your best every day and be recognized for doing so.
  • An engaging, people-first work environment offering work/life balance, employee resource groups, and social events to promote interaction and camaraderie.
  • The targeted base pay range for this role is: $148,400 to $233,200 with this range reflecting differences in candidate knowledge, skills and experience.

#LI-CH1
#LI-Remote
Why Make a Move to FICO?
At FICO, you can develop your career with a leading organization in one of the fastest-growing fields in technology today - Big Data analytics. You'll play a part in our commitment to help businesses use data to improve every choice they make, using advances in artificial intelligence, machine learning, optimization, and much more.
FICO makes a real difference in the way businesses operate worldwide:
• Credit Scoring - FICO® Scores are used by 90 of the top 100 US lenders.
• Fraud Detection and Security - 4 billion payment cards globally are protected by FICO fraud systems.
• Lending - 3/4 of US mortgages are approved using the FICO Score.
Global trends toward digital transformation have created tremendous demand for FICO's solutions, placing us among the world's top 100 software companies by revenue. We help many of the world's largest banks, insurers, retailers, telecommunications providers and other firms reach a new level of success. Our success is dependent on really talented people - just like you - who thrive on the collaboration and innovation that's nurtured by a diverse and inclusive environment. We'll provide the support you need, while ensuring you have the freedom to develop your skills and grow your career. Join FICO and help change the way business thinks!
Learn more about how you can fulfil your potential at www.fico.com/Careers
FICO promotes a culture of inclusion and seeks to attract a diverse set of candidates for each job opportunity. We are an equal employment opportunity employer and we're proud to offer employment and advancement opportunities to all candidates without regard to race, color, ancestry, religion, sex, national origin, pregnancy, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. Research has shown that women and candidates from underrepresented communities may not apply for an opportunity if they don't meet all stated qualifications. While our qualifications are clearly related to role success, each candidate's profile is unique and strengths in certain skill and/or experience areas can be equally effective. If you believe you have many, but not necessarily all, of the stated qualifications we encourage you to apply.
Information submitted with your application is subject to the FICO Privacy policy at https://www.fico.com/en/privacy-policy

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