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Mortgage Risk Analyst Jobs in Florida (NOW HIRING)

Wells Fargo

Private Mortgage Banker

Boca Raton, FL · 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

Naples, FL · 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

Orlando, FL · 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

Tampa, FL · 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 ...

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Mortgage Risk Analyst information

See Florida salary details

$11

$30

$49

How much do mortgage risk analyst jobs pay per hour?

As of Aug 17, 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?

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.

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 August 2026, with employment types broken down into 1% As Needed, 87% Full Time, 9% Part Time, and 3% Contract. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution, with an average salary of $62,929 per year, or $30.3 per hour.

Residential Mortgage Underwriter

Amerantbank

Miami, FL • On-site

Full-time

Re-posted 21 days ago

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.