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Mortgage Risk Analyst Jobs in Florida (NOW HIRING)

Zentech Consulting

Mortgage Underwriter

Clearwater, FL · On-site

$36/hr

Company Description The Mortgage Loan Underwriter position is responsible for underwriting ... and risk analysis background preferred FHA, VA designations preferred Strong analytical decision ...

Zentech Consulting

Mortgage Underwriter

Clearwater, FL · Hybrid

$36/hr

The Mortgage Loan Underwriter position is responsible for underwriting Conventional, FHA, and VA ... and risk analysis background preferred FHA, VA designations preferred Strong analytical decision ...

Climate First Bank

Risk Officer

Saint Petersburg, FL · On-site +1

Employee Only Mortgage Product with exclusive interest rates and terms. * 0% Financing for Eligible ... Monitor and analyze risk data, key risk indicators, and emerging trends to identify potential ...

Seacoast Bank

Mortgage Loan Underwriter

Stuart, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL · On-site

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Orlando, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Naples, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Tampa, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Stuart, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

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Mortgage Risk Analyst information

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How much do mortgage risk analyst jobs pay per hour?

As of Jul 27, 2026, the average hourly pay for mortgage risk analyst in Florida is $30.25, according to ZipRecruiter salary data. Most workers in this role earn between $22.26 and $36.83 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.
What are popular job titles related to Mortgage Risk Analyst jobs in Florida? For Mortgage Risk Analyst jobs in Florida, the most frequently searched job titles are:
What job categories do people searching Mortgage Risk Analyst jobs in Florida look for? The top searched job categories for Mortgage Risk Analyst jobs in Florida are:
Mortgage Risk Analyst jobs near you
Infographic showing various Mortgage Risk Analyst job openings in Florida as of July 2026, with employment types broken down into 86% Full Time, 9% Part Time, 1% Temporary, and 4% Contract. Highlights an 85% Physical, 6% Hybrid, and 9% Remote job distribution, with an average salary of $62,929 per year, or $30.3 per hour.
Mortgage Underwriter English Spanish

Mortgage Underwriter English Spanish

Trust Mortgage Lending Corp

Miami, FL • On-site

$80K - $100K/yr

Full-time

PTO

Posted 4 days ago

Job description

Benefits:
  • Opportunity for advancement
  • Paid time off
  • Competitive salary

Job Summary
We are seeking an analytical, detail-oriented, and fully bilingual (English/Spanish) Mortgage Underwriter to join our team. In this role, you will be responsible for evaluating and risk-assessing complex residential loan applications. You will verify financial documentation, analyze credit risk, and make definitive approval or denial decisions in strict compliance with investor, federal, and company guidelines. The ideal candidate can seamlessly communicate underwriting conditions to both English and Spanish-speaking teams and clients.
Key Responsibilities
  • Credit & Risk Analysis: Evaluate borrower creditworthiness, complex income structures (including self-employed, tax returns, and corporate structures), and asset statements.
  • Appraisal Review: Review and analyze property appraisals to ensure the collateral meets investor and company safety and soundness standards.
  • Underwriting Decisions: Issue timely, accurate, and well-documented credit decisions (Approval, Conditional Approval, Counter-offer, or Denial).
  • Bilingual Communication: Clearly communicate underwriting conditions, guidelines, and decisions to Loan Officers, processors, and clients in both English and Spanish.
  • Compliance: Ensure all loans meet automated underwriting system (AUS) findings, as well as TRID, FHA, VA, Conventional, and non-QM guidelines.
  • Pipeline Efficiency: Manage a daily queue of new submissions and condition reviews utilizing Lending QD to meet company turn-time targets.
Requirements & Qualifications
  • Language: Native or professional fluency in both English and Spanish is strictly required (written and verbal).
  • Experience: Minimum of 3–5 years of recent experience as a front-end residential Mortgage Underwriter.
  • Software: Hands-on experience with Lending QD is highly preferred. Experience with AUS (Desktop Underwriter / Loan Product Advisor) is mandatory.
  • Certifications (Preferred but optional): FHA DE (Direct Endorsement) or VA SAR/LAPP designations are a major plus.
  • Skills: Expert knowledge of complex income calculations, tax return analysis, and QM/ATR rules. Exceptional critical thinking and decision-making skills.
Benefits & Compensation
  • Competitive base salary 
  • Paid Time Off (PTO) and paid holidays.