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Mortgage Risk Manager Jobs in Atlanta, GA (NOW HIRING)

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Mortgage Compliance

Atlanta, GA · On-site

$22/hr

Thanks for viewing our The Mortgage Compliance role. We hope you're having a great Summer. This ... Familiarity with risk management and internal auditing processes * Strong attention to detail

VyStar Credit Union

Senior Mortgage Underwriter

Suwanee, GA

$108K/yr

Senior Mortgage Underwriter ACCOUNTABILITY STATEMENT The Senior Mortgage Underwriter is responsible ... manage, and report risks within their domain of work. To enhance a healthy risk culture and support ...

Synovus

Mortgage Advisor - Atlanta

Atlanta, GA · On-site

... risk appetite. Complete mortgage loan applications. Work with client to prepare and complete loan ... Work with Client Coordinator to manage client escalations. Communicate with the Mortgage Operations ...

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All JobsMortgage Risk JobsMortgage Risk Manager JobsMortgage Risk Manager Jobs in Atlanta, GA

Mortgage Risk Manager information

See Atlanta, GA salary details

$45.2K

$116.1K

$227.9K

How much do mortgage risk manager jobs pay per year?

As of Jul 28, 2026, the average yearly pay for mortgage risk manager in Atlanta, GA is $116,077.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,700.00 and $152,900.00 per year, depending on experience, location, and employer.

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 Atlanta, GA? For Mortgage Risk Manager jobs in Atlanta, GA, the most frequently searched job titles are:
What job categories do people searching Mortgage Risk Manager jobs in Atlanta, GA look for? The top searched job categories for Mortgage Risk Manager jobs in Atlanta, GA are:
What cities near Atlanta, GA are hiring for Mortgage Risk Manager jobs? Cities near Atlanta, GA with the most Mortgage Risk Manager job openings:
Mortgage Risk Manager jobs near you
Infographic showing various Mortgage Risk Manager job openings in Atlanta, GA as of July 2026, with employment types broken down into 85% Full Time, 13% Part Time, and 2% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $116,077 per year, or $55.8 per hour.
Mortgage Underwriter III

Mortgage Underwriter III

BankSouth Mortgage

Atlanta, GA • On-site

Full-time

Medical, Life, Retirement

Posted 15 days ago

Job description

Welcome to BankSouth Mortgage!
Accelerate Your Career with Us
Imagine a workplace where you're valued, your work has purpose, and you get to help people achieve the American dream! At BankSouth Mortgage, we're more than just mortgages; we're a family committed to excellence, integrity, and community.
Dive into a World of Opportunities
With us, you're not just starting a job; you're stepping into a career full of possibilities! We're backed by BankSouth, a top-performing community bank, and together, we're making homeownership dreams come true for thousands every year.
Experience Our Unique Culture
  • Leadership That Inspires: Work with creators, dreamers, and doers who lead with passion and responsibility
  • Power in Commitment: Be part of a team that puts relationships, community, and integrity at its core
  • Innovative Approach: Enjoy the blend of state-of-the-art technology and extraordinary in-person service!

Elevate Your Life with Our Benefits!
  • Comprehensive Health Package
  • 401k Matching
  • Life & Disability Insuranc
  • Employee Assistance Program
  • FSA & DCA suppor
  • And Much More!

Join Us & Shape the Future
Whether you are looking for an exciting career path or a place where your work makes a difference, BankSouth Mortgage is the place for you! You bring your skills and passion; we provide the tools and environment for you to thrive.
Your Role Here Matters
Every role at BankSouth Mortgage is crucial. Your contribution will not only help families secure their homes but also enrich the communities we serve. Come, be a part of something bigger, and experience mortgage excellence with us!
BankSouth Mortgage: Where Dreams Meet Excellence
Explore opportunities with us and step into a world where your work is valued, your growth is nurtured, and your success is celebrated! Let's build something great together!
At BankSouth Mortgage, we pride ourselves on delivering exceptional service, sound lending decisions, and a commitment to doing things the right way. We are currently seeking a highly experienced Mortgage Loan Underwriter III to join our growing team.
This is a senior-level underwriting role designed for a confident decision-maker who thrives in a fast-paced environment and brings deep expertise across a wide range of loan products. The ideal candidate will play a critical role in ensuring credit quality, managing risk, and supporting our production teams through timely, well-reasoned underwriting decisions.
This position offers the flexibility to work remotely from home; however, it is based out of our corporate office in Atlanta, Georgia. While remote work is supported, preference will be given to candidates located within reasonable proximity to one of our BankSouth office locations to support collaboration and team connectivity.
If you are a detail-oriented professional with a passion for excellence in underwriting and a strong understanding of agency and investor guidelines, we invite you to explore this opportunity with BankSouth Mortgage.
Essential Functions
  • Independently underwrite residential mortgage loan applications, including conventional, jumbo, FHA, VA, and USDA products, in accordance with investor and regulatory guidelines
  • Analyze borrower creditworthiness by evaluating income, assets, credit history, and overall risk to determine ability to repay
  • Review and interpret complex financial documentation, including self-employed income, tax returns, and layered risk scenarios
  • Assess collateral risk, including appraisal reviews and loan-to-value requirements, ensuring compliance with agency and investor standards
  • Evaluate and validate the source of funds and asset documentation to ensure eligibility and regulatory compliance
  • Make sound, well-documented credit decisions, including loan approvals, conditions, and denials, with clear rationale
  • Ensure all loans meet BankSouth Mortgage, investor, and governmental requirements prior to final approval
  • Serve as a resource for processors, loan officers, and junior underwriters by providing guidance on underwriting scenarios and guideline interpretation
  • Maintain quality and productivity standards while managing a pipeline of loans in a timely and efficient manner

Compliance
  • Responsible for learning, understanding and practicing required fraud prevention practice, BSA and OFAC compliance requirements
  • Ensure that BankSouth Mortgage adheres to all applicable federal and state regulations
  • Maintain confidentiality of all customer files & associated information
  • Assist examiners and auditors by providing required documentation
  • Correct exceptions to issues found by examiners and auditors

  • Minimum of five (5) years of residential mortgage underwriting experience, with demonstrated ability to independently underwrite complex loan files
  • Proven experience underwriting a full range of loan products, including conventional, jumbo, FHA, VA, and USDA
  • Strong knowledge of agency and investor guidelines, including FHA, FNMA, FHLMC, VA, and USDA requirements
  • Experience using automated underwriting systems, including Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Product Advisor (LPA)
  • Advanced analytical and decision-making skills, with the ability to assess risk and make sound credit decisions in complex scenarios
  • Proficiency in reviewing and analyzing income documentation, including self-employed borrowers, tax returns, and layered risk files
  • Working knowledge of mortgage insurance (MI) guidelines, compliance requirements, and fraud detection tools
  • Strong attention to detail with the ability to manage a high-volume pipeline while maintaining accuracy and meeting deadlines
  • Excellent communication and interpersonal skills, with the ability to collaborate effectively across underwriting, processing, and production teams
  • Ability to prioritize workload, adapt to changing priorities, and perform effectively in a fast-paced environment
  • Associate degree in business, finance, or a related field required; Bachelor's degree preferred (or equivalent industry experience)

Preferred Qualifications
  • VA LAPP, FHA DE (CHUMS), and/or USDA SAR designations
  • Experience underwriting condominium projects and knowledge of condo guidelines
  • Familiarity with Non-QM (Non-Qualified Mortgage) products and underwriting guidelines

This job description is not intended to be all-inclusive, and employees will also perform other reasonable related business duties as assigned by immediate supervisor and other management as required.
Please note, we are not working with outside recruiters for this position.
IndeedSimple
BankSouth Mortgage is an Equal Employment Opportunity (EEO) Employer committed to diversity in the workplace. It does not discriminate against any qualified employee or applicant on the basis of age, race, color, sex, religion, national origin, disability, protected veteran status, genetic data, gender identity, sexual orientation or other legally protected status.

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