ZipRecruiter

Log In

1

Mortgage Risk Manager Jobs in Iowa (NOW HIRING)

next page

Showing results 1-20

All JobsMortgage Risk Manager JobsMortgage Risk Manager Jobs in Iowa

Mortgage Risk Manager information

What are the key skills and qualifications needed to thrive as a Mortgage Risk Manager, and why are they important?

To thrive as a Mortgage Risk Manager, you need a solid background in finance, risk assessment, and regulatory compliance, often supported by a degree in finance or a related field. Familiarity with risk modeling software, loan origination systems, and certifications such as FRM or CFA are commonly required. Analytical thinking, attention to detail, and strong communication help you excel at evaluating loan portfolios and collaborating with cross-functional teams. These skills ensure prudent risk management, regulatory adherence, and the financial stability of mortgage lending operations.

What are some common challenges faced by Mortgage Risk Managers, and how can they be addressed?

Mortgage Risk Managers often encounter challenges such as assessing the creditworthiness of borrowers in a fluctuating market, keeping up with evolving regulatory requirements, and mitigating risks associated with loan defaults. To address these, professionals need to stay updated on industry regulations, leverage advanced data analytics tools, and work closely with underwriting and compliance teams. Proactive communication and ongoing training are also essential to navigate changes and ensure robust risk management practices.

What is the difference between Mortgage Risk Manager vs Mortgage Underwriter?

AspectMortgage Risk ManagerMortgage Underwriter
Primary RoleAssess and manage overall mortgage risk, develop risk policiesEvaluate individual loan applications for approval
Required CredentialsTypically requires risk management certifications, finance or related degreesOften requires mortgage licensing, underwriting certifications
Work EnvironmentCorporate offices, risk departments, financial institutionsLoan processing centers, banks, mortgage companies
Industry UsageUsed by lenders to mitigate risk at a strategic levelUsed by lenders to approve or deny individual loans

The Mortgage Risk Manager focuses on assessing and managing the overall risk profile of mortgage portfolios, developing policies to mitigate potential losses. In contrast, the Mortgage Underwriter evaluates individual loan applications to determine approval eligibility. While both roles require financial knowledge and relevant certifications, their scope and responsibilities differ significantly, with the Risk Manager working at a strategic level and the Underwriter at an operational level.

What does a Mortgage Risk Manager do?

A Mortgage Risk Manager is responsible for identifying, assessing, and mitigating risks associated with mortgage lending within a financial institution. They analyze credit, market, and operational risks to ensure loans are compliant with regulations and company policies. Their role includes developing risk assessment models, monitoring loan portfolios, and implementing strategies to reduce potential losses. Additionally, they often collaborate with underwriters, compliance teams, and senior management to maintain the financial health of the mortgage business.
What are popular job titles related to Mortgage Risk Manager jobs in Iowa? For Mortgage Risk Manager jobs in Iowa, the most frequently searched job titles are:
What job categories do people searching Mortgage Risk Manager jobs in Iowa look for? The top searched job categories for Mortgage Risk Manager jobs in Iowa are:
What cities in Iowa are hiring for Mortgage Risk Manager jobs? Cities in Iowa with the most Mortgage Risk Manager job openings:
Mortgage Risk Manager jobs near you
Infographic showing various Mortgage Risk Manager job openings in Iowa as of June 2026, with employment types broken down into 100% Full Time. Highlights an 88% In-person, 6% Hybrid, and 6% Remote job distribution.

Mortgage Loan Officer- Des Moines Area

Information Security Manager (remote within our member footprint) - Marine Credit Union

Des Moines, IA • On-site

Other

Posted 5 days ago

Job description

Description
6 Month Guaranteed Bonus.
Position Summary:
Provide information on credit union portfolio mortgage products and services to members according to all credit union policies and procedures, and Federal and State rules and regulations.  Collate and analyze individual financial information in support of loan decisioning process.  Evaluate and recommend loan approvals, denials, and counteroffers based upon individual circumstances and data. Process required forms and related documentation for mortgage loan products.  Promote credit union products and services.  Partners to approve or deny loan applications based on analysis and company mortgage policies.  Works with mortgage support staff to ensure timely response to member inquires and ensure a standard of service excellence.  
Duties and Responsibilities:
  • Interview mortgage loan applicants.  Assist member in completing loan applications over the phone and/or electronically.
  • Collate, analyze, and evaluate information & documentation in support of loan applications.
  • Evaluate borrower Character, Collateral, Capacity to Repay, and Credit position as a part of loan decisioning process based upon individual circumstances. 
  • Calculate debt-to-income ratios, collateral needs, and payment plans on loan applicants.
  • Correspond with members, applicants, and creditors to resolve questions regarding application information.
  • Visit community and business contacts to promote and sell MCU's services and develop lending business successfully.
  • Provide information on portfolio mortgage loan products that best meet the member's individual needs and circumstances.
  • Recommend the structure of loan pricing, terms, and amounts for individual borrowers.
  • Recommend loan approval/denials, counteroffers, and deviations from typical loan structure and pricing.
  • Prepare loan documentation for underwriting and processing, ensuring it is complete and accurate.  Manage loan closing process with customers.
  • Consult with members and the public about asset purchase, credit management, budgeting, debt restructuring, and financial planning issues.
  • Notify applicant of loan decision.  Inform prospective borrowers of loan commitments. 
  • Review regulations as they apply to installment loan security agreements.
  • Assist members with making payment arrangements on loans.
  • Interact with members and the public to solicit loan applications.  Network with community contacts to promote mortgage loan business growth.
  • Partners with other staff by passing opportunities to develop additional lending and deposit business to them as opportunities arise and following up on mortgage leads passed from other employees. 
  • Work successfully with other departments to ensure proper process, record retention, and information gathering best practices and procedures are followed.
Duties and Responsibilities (continued):
  • Promote other Marine Enterprise products and services.
  • Provide exceptional member service to our members.
  • Abide by all applicable policies, procedures, and regulations.
  • Work proactively to build relationships necessary to meet set goals for the position.
  • Effectively assist members and the public through the loan application and approval process, educating them about loan issues as needed.
  • Effectively prepare loan documentation for processing, ensuring it is complete and accurate.
  • Assist in managing risk through diligence in the information gathering process.
  • Provide timely, service-oriented feedback to applicants regarding the status of their loans.
  • Perform assigned loan prospect and delinquency calls to assist in meeting goals for the position.
  • Have access to transportation on demand to be able to travel to client and vendor appointments out of office as needed.
Knowledge, Skills, and Abilities:
  • Knowledge of the mortgage loan application process and consumer credit.
  • Ability to collate and analyze individual borrower financial information.
  • Evaluation of information, and ability to make recommendations regarding loan pricing, structure, amounts, and terms as appropriate.
  • Ability to recommend loan approvals, denial, and counteroffers based upon analysis of individual facts and circumstances.
  • Ability to build rapport, explaining product features & benefits, and persuasively communicate.
  • Skills in developing business.
  • Sound PC computing skills, including MS-Office and loan application software.
  • Strong problem-solving skills.  Ability to build credibility and trust.
  • Previous consumer lending experience at Marine Credit Union preferred.
Education and Experience:           
  • High School Diploma. College Degree in Business Administration, Marketing, Sales, or Finance desired.
  • Prior experience gathering data, analyzing customer financial information, and making financial product recommendations.
  • Previous business development/networking experience.
  • Previous Mortgage/Consumer Lending, Banking, or Sales experience desired.
  • Experience building networks of community/industry contacts to support business goals a plus.
  • Experience working in a face-to-face customer service/sales environment.
  • A record of success in meeting set, external business goals.                         
This position may include frequent driving; a driving record review is required.
This job description is not a complete statement of all duties and responsibilities comprising this position.
 

Apply