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Mortgage Risk Analyst Jobs in California (NOW HIRING)

acralending

Loan Exception Desk

Irvine, CA · On-site

$40K - $54K/yr

... analysis, and approval recommendation process for mortgage loan exception requests within the Company's Non-QM lending platform. This role serves as a key risk management function, balancing loan ...

acralending

Loan Exception Desk

Irvine, CA

$40K - $54K/yr

... analysis, and approval recommendation process for mortgage loan exception requests within the Company's Non-QM lending platform. This role serves as a key risk management function, balancing loan ...

Wells Fargo

Private Mortgage Banker

Coachella, CA

Review and analyze low to moderately complex financial and credit data; match customer needs with ... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ...

Wells Fargo

Private Mortgage Banker

Menifee, CA

Review and analyze low to moderately complex financial and credit data; match customer needs with ... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ...

Wells Fargo

Private Mortgage Banker

Alameda, CA · On-site

Review and analyze low to moderately complex financial and credit data; match customer needs with ... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ...

Wells Fargo

Private Mortgage Banker

Concord, CA

Review and analyze low to moderately complex financial and credit data; match customer needs with ... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ...

Wells Fargo

Private Mortgage Banker

Palm Desert, CA

Review and analyze low to moderately complex financial and credit data; match customer needs with ... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ...

Wells Fargo

Private Mortgage Banker

Temecula, CA

Review and analyze low to moderately complex financial and credit data; match customer needs with ... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ...

KeyPoint Credit Union

Mortgage Loan Officer

Goleta, CA · On-site

$75K - $125K/yr

Expertise in interpreting underwriting guidelines and analyzing risk. * Solid time management and ... The Nationwide Mortgage Licensing System (NMLS) web site (mortgage.nationwidelicensingsystem.org ...

Wells Fargo

Home Mortgage Consultant

Roseville, CA

Review and analyze low to moderately complex financial and credit data; match customer needs with ... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ...

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All JobsMortgage Risk Analyst JobsMortgage Risk Analyst Jobs in California

Mortgage Risk Analyst information

See California salary details

$15

$39

$65

How much do mortgage risk analyst jobs pay per hour?

As of Aug 18, 2026, the average hourly pay for mortgage risk analyst in California is $39.96, according to ZipRecruiter salary data. Most workers in this role earn between $29.42 and $48.65 per hour, depending on experience, location, and employer.

What is a mortgage risk analyst?

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.

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.

Do mortgage risk analysts make good money?

Mortgage risk analysts typically earn a competitive salary that varies by experience, location, and employer. Entry-level positions may start lower, while experienced analysts with certifications can earn higher wages, often supplemented by bonuses or incentives. The role requires strong analytical skills and knowledge of mortgage markets and risk assessment tools.

How much do mortgage risk analysts get paid?

Mortgage risk analysts typically earn a median annual salary of around $60,000 to $80,000, depending on experience, location, and employer. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher salaries, often supplemented with bonuses or benefits.

What are popular job titles related to Mortgage Risk Analyst jobs in California?

For Mortgage Risk Analyst jobs in California, the most frequently searched job titles are:

What job categories do people searching Mortgage Risk Analyst jobs in California look for?

The top searched job categories for Mortgage Risk Analyst jobs in California are:

Mortgage Risk Analyst jobs near you
Infographic showing various Mortgage Risk Analyst job openings in California as of August 2026, with employment types broken down into 1% As Needed, 91% Full Time, 6% Part Time, and 2% Contract. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution, with an average salary of $83,107 per year, or $40 per hour.

Underwriter, Manager (Non-QM)

Cake Mortgage Corp

Chatsworth, CA • On-site

$120K/yr

Full-time

Re-posted 7 days ago

Job description

CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM products. We're redefining the lending experience with innovative programs, streamlined processes, and a commitment to speed and precision. As we grow, we're looking for forward-thinking professionals who thrive in fast-paced, collaborative environments.
We are seeking an experienced Mortgage Underwriter, Manager to lead our underwriting team. The ideal candidate will have deep knowledge of Non-QM products, strong analytical skills, and proven leadership experience. This role involves overseeing daily underwriting operations, ensuring compliance with company and investor guidelines, mentoring underwriters, and driving continuous improvement in underwriting quality and efficiency.
Key Responsibilities
  • Manage and lead a team of mortgage underwriters, providing coaching, training, and performance feedback.
  • Oversee the underwriting process to ensure accuracy, consistency, and adherence to company, investor, and regulatory guidelines.
  • Review and approve complex or high-risk loan files, including income documentation, creditworthiness, asset verification, and property valuations.
  • Monitor pipeline reports, workflow, and SLAs to ensure timely turn times and service levels are met or exceeded.
  • Collaborate with internal departments (sales, processing, funding, QC, and compliance) to resolve issues and improve loan quality.
  • Serve as the subject matter expert (SME) for Non-QM products, including bank statement loans, asset depletion, DSCR, and other alternative documentation loans.
  • Ensure all underwriting decisions are well-documented and meet internal audit and investor standards.
  • Conduct regular file audits and quality reviews to maintain compliance and reduce repurchase risk.
  • Identify training needs and coordinate with training departments to implement necessary upskilling for the underwriting team.
  • Stay updated on industry trends, guideline changes, and regulatory developments affecting Non-QM lending.

Requirements
  • Minimum 5 years of mortgage underwriting experience.
  • 2+ years in a leadership or managerial role overseeing underwriters.
  • 3+ years direct Non-QM experience.
  • Proficient in analyzing income sources (bank statements, P&L, asset depletion, DSCR, etc.).
  • Strong understanding of mortgage credit risk, fraud detection, and regulatory compliance.
  • Working knowledge of LOS system, Encompass.
  • Excellent communication, organizational, and problem-solving skills.
  • Ability to manage remote teams and multiple priorities in a fast-paced environment.

  • Why Join CAKE Mortgage?
  • Be part of a fast-growing company changing the game in Non-QM.
  • Competitive compensation and performance-based bonuses.
  • Collaborative and entrepreneurial culture.
  • Opportunities for career advancement and innovation.

Cake Mortgage does not tolerate discrimination of any type. Cake Mortgage offers equal employment opportunity to all qualified persons without regard to race, age, color, religion, sex/gender, gender identity, sexual orientation, marital status, medical condition, military or veteran status, national origin, ancestry, disability, or any other considerations made unlawful by Federal, State, or Local law. Cake Mortgage provides eligible and qualified employees with opportunities to advance. Cake Mortgage is an at will employer. Cake Mortgage is committed to providing employees with a work environment free of discrimination and harassment.
Salary Description
$120,000.00 +

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