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Mortgage Risk Manager Jobs in Iowa (NOW HIRING)

Hills Bank

Branch Manager

Iowa City, IA · On-site

Deepen relationships with the Home Mortgage, Commercial, and the Trust and Wealth Management ... Accountable for audit integrity, risk management and security of the branch. * Coordinate or ...

Hills Bank

Branch Manager

Iowa City, IA · On-site

Deepen relationships with the Home Mortgage, Commercial, and the Trust and Wealth Management ... Accountable for audit integrity, risk management and security of the branch. * Coordinate or ...

Hills Bank

Branch Manager

Iowa City, IA · On-site

Deepen relationships with the Home Mortgage, Commercial, and the Trust and Wealth Management ... Accountable for audit integrity, risk management and security of the branch. * Coordinate or ...

Hills Bank

Branch Manager

Cedar Rapids, IA

Deepen relationships with the Home Mortgage, Commercial, and the Trust and Wealth Management ... Accountable for audit integrity, risk management and security of the branch. * Coordinate or ...

Hills Bank

Branch Manager

Cedar Rapids, IA · On-site

Deepen relationships with the Home Mortgage, Commercial, and the Trust and Wealth Management ... Accountable for audit integrity, risk management and security of the branch. * Coordinate or ...

Hills Bank

Branch Manager

Cedar Rapids, IA · On-site

Deepen relationships with the Home Mortgage, Commercial, and the Trust and Wealth Management ... Accountable for audit integrity, risk management and security of the branch. * Coordinate or ...

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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.
VP Credit Underwriting

VP Credit Underwriting

GreenState Credit Union

North Liberty, IA • On-site

$186K - $218K/yr

Full-time

Posted 21 days ago

Job description

Position Summary
The VP Credit Underwriting (VPCR) is a key member of senior management, responsible for designing, implementing, and overseeing credit underwriting for the organization. This role provides strategic direction to optimize portfolio performance while mitigating risk across Consumer, Mortgage and Commercial Lending portfolios. The VPCR will lead underwriting, policy development, and credit approval processes to ensure adherence to risk appetite, regulatory requirements and profitability targets.
GREENSTATE CULTURE:
At GreenState, our purpose is to create lasting value for our members, our communities, and one another. We empower our teams to create opportunities that strengthen financial well-being, transform lives, and enhance the vitality of the communities we serve. We know our success-now and in the future-is deeply rooted in fostering an engaging, diverse, and inclusive workplace where everyone knows they matter, their work makes an impact, and their everyday commitment to living our values is what brings our mission to life.
Salary range for this position is $186,985.50 - $218,607.74 with a progressive benefit package.
Essential Duties and Responsibilities
Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change.
  1. Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision.
  2. Demonstrates a positive member service (internal and external) focus at all times.
  3. Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.
  4. Ensures confidentiality of member information.
  5. Supports a diverse and inclusive work environment.
  6. Strategic Leadership & Governance
    • Develop and implement comprehensive credit underwriting strategies for Consumer, Mortgage, and Commercial lines of business, aligning with the Credit Union's overall risk appetite and growth goals.
    • Serve as a voting member of the Loan Committee, acting as the primary subject matter expert on complex credit decisions.
    • Ensure all credit policies, underwriting guidelines, and procedures are robust, current, and compliant with regulatory standards.
    • Provide regular reporting on portfolio quality, concentration risks, and emerging threats to the Executive Leadership Team.
    • Collaborate in the development processes to maximize recoveries, minimize losses, and support ongoing portfolio health through collaboration with Lending, Operations, Risk Analytics, Collections, Special Assets, and Legal.
  7. Underwriting & Risk Oversight
    • Oversee the underwriting departments for all lending products, ensuring consistent, high quality, and compliant decisioning.
    • Maintain expert knowledge of, and ensure compliance with, regulations such as Ability to Repay/Qualified Mortgage (ATR/QM), Fair Lending (Reg B), Regulation 723, and FCRA.
    • Review and approve high-level, complex credit underwriting memorandums, including commercial real estate (CRE) and C&I loans.
    • Identify and mitigate risks associated with lending products, including fraud, collateral, and concentration risks.
  8. Portfolio Management & Analytics
    • Monitor and report on Key Indicators (KIs); such as auto decisioning, approval and booking rates, across the Consumer, Mortgage and Commercial portfolios.
    • Collaborate with Lending, Operations, Risk Analytics, Collections, and Special Asset teams to strengthen underwriting standards, streamline workflow processes, enhance speed-to-decision, and improve the member experience.
  9. Leadership & Team Development
    • Lead, mentor, and develop a high-performing team of managers, senior underwriters, analysts, and credit officers.
    • Foster a proactive risk culture focused on accountability, accuracy, and efficiency.
  10. Regulatory Relations
    • Act as the primary point of contact for regulatory agencies on all credit underwriting matters.
    • Lead the remediation of issues related to credit underwriting.

Job Requirements/Expectations
  1. Qualifications
    • Bachelor's degree in Finance, Accounting, Economics, or related field.
    • Minimum of 10+ years of progressive experience in credit underwriting management within a bank or credit union.
    • Minimum of 5+ years experience at a Director level or higher.
    • Deep knowledge of Commercial (C&I/CRE), Mortgage, and Consumer loan product underwriting.
    • Strong understanding of financial services rules and regulations (ATR/QM, Reg B, FCRA).
    • Comprehensive knowledge of valuation methodologies and appraisal standards applicable to both commercial and residential properties.
    • Familiarity with loan origination systems (LOS), data analytics tools, and Microsoft Office Suite.
  2. Core Competencies
    • Ability to anticipate market trends and emerging risks.
    • Strong ability to interpret complex financial data and modeling.
    • Superior verbal and written skills, with the ability to present to the Board.
    • Sound, independent judgment in high paced environment.

Reporting Relationship
This position reports to the Chief Risk Officer.
Supervisory Responsibilities
This position is responsible for the supervision of others.
Equal Opportunity Employment Statement
GreenState Credit Union is an EEO/AA Employer. We strongly encourage all individuals to apply for openings with the credit union.
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