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Mortgage Risk Analyst Jobs (NOW HIRING)

Western AgCredit

Risk Analyst

South Jordan, UT

Risk Analyst LOCATION: South Jordan or Spanish Fork, Utah GRADE: 11 (salary range 57,283-85,681 ... commercial and mortgage borrowers in Utah and portions of Wyoming, Nevada, and Arizona.

Western Ag Credit

Risk Analyst

South Jordan, UT · On-site

$57K - $85K/yr

Risk Analyst LOCATION : South Jordan or Spanish Fork, Utah GRADE : 11 (salary range $57,283-$85,681 ... mortgage borrowers in Utah and portions of Wyoming, Nevada, and Arizona. FINAL FILING DATE

Western AgCredit

Risk Analyst

South Jordan, UT · On-site

$57K - $85K/yr

Risk Analyst LOCATION: South Jordan or Spanish Fork, Utah GRADE: 11 (salary range 57,283-85,681 ... commercial and mortgage borrowers in Utah and portions of Wyoming, Nevada, and Arizona.

Western AgCredit

Risk Analyst

South Jordan, UT · On-site

$57K - $85K/yr

Risk Analyst LOCATION: South Jordan or Spanish Fork, Utah GRADE: 11 (salary range 57,283-85,681 ... commercial and mortgage borrowers in Utah and portions of Wyoming, Nevada, and Arizona.

Hilltop Holdings

Vendor Risk Analyst

Dallas, TX

PrimeLending is a national mortgage provider focused on purchase mortgage originations ... Conduct risk analysis to identify and measure the likelihood, impact, and tolerance of potential ...

Hilltop Holdings

Vendor Risk Analyst

Dallas, TX · On-site

Hilltop Holdings is looking for a Vendor Risk Analyst to assist in maintaining, executing, and ... PrimeLending is a national mortgage provider focused on purchase mortgage originations.

LoanCare

Internal Mortgage Risk Specialist III - Remote

$19.33 - $28.89/hr

... Mortgage Risk Specialist III. The ideal candidate will enjoy working with clients, both internal ... Responsibilities • Assemble and summarize data to structure loss analysis template to identify ...

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How much do mortgage risk analyst jobs pay per hour?

As of Jul 20, 2026, the average hourly pay for mortgage risk analyst in the United States is $40.49, according to ZipRecruiter salary data. Most workers in this role earn between $29.81 and $49.28 per hour, depending on experience, location, and employer.

What is a Mortgage Risk Analyst job?

A Mortgage Risk Analyst assesses the financial risks associated with mortgage lending. They analyze borrower profiles, credit reports, market trends, and economic conditions to determine the likelihood of loan defaults. Their role helps lenders make informed decisions to minimize financial losses while ensuring compliance with regulations. Additionally, they may recommend risk mitigation strategies or adjustments to lending policies based on their analysis.

How much does a risk analyst make at JP Morgan?

A risk analyst at JP Morgan typically earns an average salary ranging from $70,000 to $100,000 annually, depending on experience, location, and level of seniority. Compensation may also include bonuses and benefits, with some roles requiring proficiency in risk management tools and certifications such as FRM or CFA.

What is the highest paying job in the mortgage industry?

In the mortgage industry, senior roles such as Mortgage Underwriting Managers, Mortgage Operations Directors, or Chief Risk Officers tend to be the highest paid. These positions require extensive experience, leadership skills, and often advanced certifications, and they oversee risk management, compliance, and strategic decision-making within mortgage companies.

What does a mortgage risk analyst do?

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

What are the typical daily responsibilities of a Mortgage Risk Analyst?

As a Mortgage Risk Analyst, your day-to-day tasks will likely include assessing and analyzing mortgage applications, reviewing borrower credit profiles, and using risk modeling tools to estimate default probabilities. You may also prepare reports for senior management, monitor portfolio performance, and stay informed on regulatory updates. Collaboration with underwriters, loan officers, and compliance teams is common to ensure risk policies are met throughout the lending process. This role combines detailed data analysis with active cross-department communication to help maintain a healthy loan portfolio.

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

To thrive as a Mortgage Risk Analyst, you need strong analytical skills, a solid understanding of financial principles, and often a bachelor's degree in finance, economics, or a related field. Familiarity with risk modeling software, statistical analysis tools like SAS or R, and knowledge of regulatory standards (such as Basel III) are commonly expected. Attention to detail, problem-solving ability, and effective communication are crucial soft skills for this position. These capabilities enable accurate risk assessments, informed lending decisions, and effective collaboration with stakeholders in a highly regulated industry.

Is risk analyst an entry level job?

A risk analyst role, including mortgage risk analyst positions, can be entry level or require experience depending on the company. Entry-level risk analyst jobs typically require a bachelor's degree in finance, economics, or related fields, and may involve on-the-job training or certifications such as FRM or CRM. More advanced roles may require several years of experience and specialized skills in data analysis or risk management tools.
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What cities are hiring for Mortgage Risk Analyst jobs? Cities with the most Mortgage Risk Analyst job openings:
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Mortgage Risk Analyst jobs near you
Infographic showing various Mortgage Risk Analyst job openings in the United States as of July 2026, with employment types broken down into 92% Full Time, and 8% Contract. Highlights an 100% In-person job distribution, with an average salary of $84,210 per year, or $40.5 per hour.

Sr Director - Sales and Client Success (Mortgage Risk)

FICO

Remote

$148K - $233K/yr

Full-time

Posted 11 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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