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Mortgage Risk Analyst Jobs (NOW HIRING)

Rate

Fraud Risk Analyst

$60K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Rate is one of the nation's top retail mortgage lenders, delivering a seamless, tech-driven ... Job Profile: Fraud Risk Analyst Summary: Pay Range: $60k to 80k We are currently seeking an ...

First American

Principal Risk Analyst-ServiceMac

Iowa, LA · On-site

$97K - $130K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

ServiceMac is focused on providing superior technology, products, and services for the mortgage and ... Conducts risk assessments to ensure compliance with federal and state regulatory requirements ...

First American

Principal Risk Analyst-ServiceMac

Concord, NC · On-site

$97K - $130K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

ServiceMac is focused on providing superior technology, products, and services for the mortgage and ... Conducts risk assessments to ensure compliance with federal and state regulatory requirements ...

First American

Principal Risk Analyst-ServiceMac

Fort Mill, SC · On-site

$97K - $130K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

ServiceMac is focused on providing superior technology, products, and services for the mortgage and ... Conducts risk assessments to ensure compliance with federal and state regulatory requirements ...

First American

$97K - $130K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

ServiceMac is focused on providing superior technology, products, and services for the mortgage and ... Conducts risk assessments to ensure compliance with federal and state regulatory requirements ...

NC SECU

Model Risk Analyst

Raleigh, NC · Hybrid

Position Overview: Assist in the development, implementation, and maintenance of the Model Risk ... and/or mortgage servicing rights, derivatives, Compliance (BSA/AML/OFAC), Liquidity, or Fraud

Western Alliance Bank

Model Risk Analyst

Phoenix, AZ · On-site

  • Medical

  • Dental

  • Retirement

Model Risk Analyst Location: CityScape What you'll do: Western Alliance Bank (WAL) is seeking a ... as AmeriHome Mortgage, a Western Alliance Bank Company. Western Alliance Bancorporation is ...

Alliant

Senior Credit Risk Analyst

Chicago, IL · On-site

$84K - $131K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

Analyze origination risk factors and recommend/implement improvements in areas such as underwriting ... Prepare data for third-party quarterly mortgage & consumer loan portfolio performance analysis.

Alliant

Principal Credit Risk Analyst

Chicago, IL · On-site

$119K - $204K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

Conduct third-party quarterly mortgage & consumer loan portfolio performance analysis. * Provide ... Assess the risk-adjusted profitability (NPV) of new originations across the portfolios managed.

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Mortgage Risk Analyst information

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How much do mortgage risk analyst jobs pay per hour?

As of Aug 13, 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?

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.

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Mortgage Risk Analyst jobs near you
Infographic showing various Mortgage Risk Analyst job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 88% Full Time, 8% Part Time, and 3% Contract. Highlights an 88% Physical, 5% Hybrid, and 7% Remote job distribution, with an average salary of $84,210 per year, or $40.5 per hour.

Fraud Risk Analyst

Rate

Remote

$60K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 24 days ago

Job description

Rate is one of the nation's top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate's Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology - including Same Day Mortgage, the Rate App, FlashClose℠, MyAccount and the Language Access Program - has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain's Chicago Business. Learn more at rate.com.
Job Profile:
Fraud Risk Analyst
Job Description Summary:
Pay Range: $60k to 80k
Job Description:
We are currently seeking an experienced Fraud Risk Analyst, primarily with a mortgage underwriting or mortgage quality control background. This will be a full-time position in a paperless environment for all loan files, which allows for the employee to work from home (remote). Training will be provided via remote access as well.
Responsibilities include but are not limited to the following:
  • Evaluate mortgage loans for suspected fraudulent activity, potential misrepresentation and/or suspicious activities related to the origination, underwriting, or servicing of mortgage loans.
  • Identify fraud schemes or patterns identified through monitoring or referred for investigation by business partners.
  • Examine financial statements and documents to identify unusual transaction patterns.
  • Submit recommendations for Suspicious Activity Reports to the Special Investigations Unit.
  • Document investigative efforts in compliance with internal policy and regulatory requirements.
  • Apply analytical skillsets to complex information sets to make logical and effectively supported recommendations.
  • Leverage investor related guidelines to assist in determination of red flags or potentially suspicious activity.
  • Conduct interviews with the employees, applicants, and third parties to support and/or mitigate the suspicious activity.
  • Develop practical recommendations and communicate with business partners on pending investigations.
  • Assist with the review of possible matches to various exclusionary lists including, government, agency, investor and internal.
  • Assist with the maintenance and development of Fraud monitoring related policies, procedures, and trainings
  • Additional duties as assigned by management.

Requirements:
  • College degree preferred
  • 2+ years of mortgage industry experience
  • Fraud Investigations experience preferred
  • Mortgage processing or underwriting background preferred
  • BSA/AML knowledge
  • Must be familiar with Freddie Mac and Fannie Mae guidelines and must be able to actively keep up with changing guidelines (FHA and VA experience a plus).
  • Strong ability to analyze large amounts of data to report critical information.
  • Proven researching and problem-solving skillsets.
  • Excellent time management skills and ability to prioritize and organize assignments.
  • Must be proficient with MS Office (Word, Excel, PowerPoint and Outlook).
  • Must have strong written and verbal communications skills
  • Must have strong analytical skills, with a high degree of accuracy and a strong attention to detail.
  • Use of discretion and confidentiality

Preferred:
  • Strong knowledge of high-risk characteristics in relation to Mortgage Fraud
  • A minimum of 3 years recent mortgage banking experience, primarily in mortgage fraud schemes
  • Experience working in Encompass
  • Experience working in case management systems
  • Experience in completing Suspicious Activity Reports
  • CAMS, CFE, or other fraud/ anti-money laundering certifications

Additional Job Description Summary:
Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.
The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).
Please click this link to learn more about our benefit offerings for Washington State: Benefit Offerings for Washington State

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