ZipRecruiter

Log In

1

Mortgage Risk Jobs in California (NOW HIRING)

East West Bank

Senior Mortgage Underwriter

El Monte, CA

$117K/yr

... mortgage loan applications in accordance with company policies, investor guidelines, and regulatory ... This role requires the application of advanced credit analysis, sound risk assessment, and ...

Wells Fargo

Private Mortgage Banker

Temecula, CA · On-site

  • Medical

  • Life

  • Retirement

  • PTO

... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ... policies, underwriting requirements, and loan procedures; maintain high standard of client ...

Wells Fargo

Home Mortgage Consultant

Roseville, CA · On-site

  • Medical

  • Life

  • Retirement

  • PTO

... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ... policies, underwriting requirements, and loan procedures; maintain high standard of client ...

Wells Fargo

Mortgage Retail Sales Consultant

Encinitas, CA · On-site

  • Medical

  • Life

  • Retirement

  • PTO

... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ... policies, underwriting requirements, and loan procedures; maintain high standard of client ...

Instant Serve LLC

Mortgage Compliance Manager

Brea, CA · On-site

$120K - $150K/yr

Prepare reports and recommendations to support risk management initiatives. Required Qualifications ... Conventional Mortgage Lending Government Mortgage Programs Non-Agency Mortgage Products Federal and ...

Wells Fargo

Mortgage Retail Sales Consultant

El Cajon, CA · On-site

  • Medical

  • Life

  • Retirement

  • PTO

... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ... policies, underwriting requirements, and loan procedures; maintain high standard of client ...

Wells Fargo

Mortgage Retail Sales Consultant

Temecula, CA · On-site

  • Medical

  • Life

  • Retirement

  • PTO

... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ... policies, underwriting requirements, and loan procedures; maintain high standard of client ...

Wells Fargo

Mortgage Retail Sales Consultant

Carlsbad, CA · On-site

  • Medical

  • Life

  • Retirement

  • PTO

... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ... policies, underwriting requirements, and loan procedures; maintain high standard of client ...

Wells Fargo

Mortgage Retail Sales Consultant

Escondido, CA · On-site

  • Medical

  • Life

  • Retirement

  • PTO

... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ... policies, underwriting requirements, and loan procedures; maintain high standard of client ...

Wells Fargo

Mortgage Retail Sales Consultant

Indio, CA · On-site

  • Medical

  • Life

  • Retirement

  • PTO

... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ... policies, underwriting requirements, and loan procedures; maintain high standard of client ...

Wells Fargo

Mortgage Retail Sales Consultant

Coachella, CA · On-site

  • Medical

  • Life

  • Retirement

  • PTO

... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ... policies, underwriting requirements, and loan procedures; maintain high standard of client ...

Wells Fargo

Mortgage Retail Sales Consultant

San Diego, CA · On-site

  • Medical

  • Life

  • Retirement

  • PTO

... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ... policies, underwriting requirements, and loan procedures; maintain high standard of client ...

Wells Fargo

Private Mortgage Banker (SAFE)

El Segundo, CA · On-site

  • Medical

  • Life

  • Retirement

  • PTO

... risk * Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates ... policies, underwriting requirements, and loan procedures; maintain high standard of client ...

previous page

Showing results 41-60

All JobsMortgage Risk JobsMortgage Risk Jobs in California

Mortgage Risk information

See California salary details

$23.9K

$108.3K

$143.7K

How much do mortgage risk jobs pay per year?

As of Aug 18, 2026, the average yearly pay for mortgage risk in California is $108,290.00, according to ZipRecruiter salary data. Most workers in this role earn between $91,300.00 and $114,600.00 per year, depending on experience, location, and employer.

What is a mortgage risk analyst?

A mortgage risk analyst is a financial professional who assesses the potential risks involved in lending money for real estate purchases. They analyze borrowers' creditworthiness, property values, market trends, and economic conditions to determine the likelihood of default. Their goal is to help lenders make informed decisions that minimize financial losses while ensuring responsible lending practices. Mortgage risk analysts play a crucial role in maintaining the stability and profitability of mortgage portfolios.

What are the key skills and qualifications needed to thrive as a mortgage risk analyst?

To thrive as a Mortgage Risk Analyst, you need a solid background in finance, data analysis, and risk assessment, often supported by a degree in finance, economics, or a related field. Familiarity with risk modeling tools, loan origination systems, and regulatory compliance software is typically required. Strong analytical thinking, attention to detail, and effective communication are crucial soft skills for evaluating complex financial data and conveying risk insights. These skills ensure accurate risk evaluation, regulatory adherence, and sound decision-making in mortgage lending.

What are the typical challenges faced by professionals in a mortgage risk role, and how can they be addressed?

Professionals in Mortgage Risk often encounter challenges such as assessing the creditworthiness of borrowers, staying compliant with evolving regulations, and managing large volumes of data to identify potential risks. Staying updated on regulatory changes and leveraging advanced analytics tools can help address these hurdles. Collaboration with underwriting, compliance, and data analytics teams is crucial to ensure accurate risk assessments and maintain the integrity of the mortgage portfolio. Continuous professional development and strong communication skills also contribute to effectively navigating these challenges.

What is the difference between Mortgage Risk vs Mortgage Underwriter?

AspectMortgage RiskMortgage Underwriter
Primary RoleAssess and manage risks associated with mortgage lendingEvaluate loan applications to ensure compliance and approve or deny loans
CredentialsRisk management certifications, finance backgroundLoan processing certifications, mortgage licensing
Work EnvironmentRisk departments, financial institutionsLoan processing centers, banks, mortgage companies
Industry UsageRisk assessment teams within mortgage lendingLoan approval teams within mortgage lending

Mortgage Risk professionals focus on identifying and mitigating potential risks in mortgage portfolios, while Mortgage Underwriters evaluate individual loan applications to determine approval. Both roles require financial knowledge and industry certifications, but their responsibilities differ in scope and focus.

What are the most commonly searched types of Mortgage Risk jobs in California?

The most popular types of Mortgage Risk jobs in California are:

What are popular job titles related to Mortgage Risk jobs in California?

For Mortgage Risk jobs in California, the most frequently searched job titles are:

What job categories do people searching Mortgage Risk jobs in California look for?

The top searched job categories for Mortgage Risk jobs in California are:

Mortgage Risk jobs near you
Infographic showing various Mortgage Risk job openings in California as of August 2026, with employment types broken down into 1% As Needed, 91% Full Time, 6% Part Time, and 2% Contract. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution, with an average salary of $108,290 per year, or $52.1 per hour.

Private Banking Mortgage Manager Senior

Flagstar Bank

Beverly Hills, CA • On-site

$149K - $270K/yr

Full-time

Medical, Dental, Vision, Life

Re-posted 5 days ago

Job description

Position Title

Private Banking Mortgage Manager Senior

Location

San Francisco, CA 94104

Job Summary

The Private Banking Mortgage Manager Senior role is responsible for the following:
Oversees and monitors the credit process for Private Client Group (PCG) mortgage loans.
Advises on Fulfillment process design for PCG loans and advocates for the PCG customer experience.
Recommends process improvements and SLAs to benefit the PCG Channel.
Collaborates and directs team members during all phases of loan production including the fulfillment process to ensure clarity of request, proper documentation is requested/received, and customer experience expectations are met.
Supports Sales and Fulfillment Team with evaluating and structuring mortgage loans for high-net-worth individuals.
Writes loan rationales and exception requests that accurately depict the Bank's risk and support the request with appropriate compensating factors.
Provides high touch service to the PCG Group Directors and Sales resulting in a smooth, quick process for their clients.
Uses, develops, and modifies reporting to monitor all facets of PCG production, file movement, SLAs, and loan performance. Interjects themselves into the process to make correct actions.
Works with downstream groups and partners throughout the Bank to create understanding of needs and develop processes and guidelines that support the PCG Channel.
Assist in the development and ongoing updates to mortgage products/guidelines used by PCG bank including supporting the Bank's goals for deposit growth.
Assist in the assessment of credit risk to minimizes losses to Flagstar Bank and fosters expansion of deposits which allows the bank to grow.

Job Responsibilities:

JOB RESPONSIBILITIES

  • Meet with Group Directors to review and structure large complex loans identifying issues of concern and potential exceptions.
  • Oversee and Mentor PCG Group Directors and support staff.
  • Continually review and recommend changes to the loan flow process to improve customer service and efficiency.
  • Work with Flagstar Underwriting Manager and Risk to approve exceptions.
  • Expand the suite of products needed for the private bank.
  • Monitor PCG mortgage loan delinquencies and exceptions and identify any trends and/or resolve potential issues within the process.
  • Work with Senior Management of the PCG to ensure needs are being met.

ADDITIONAL ACCOUNTABILITIES

  • Performs special projects, and additional duties and responsibilities as required
  • Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations

JOB REQUIREMENTS

Required Qualifications:

  • Education level preferred: Undergraduate Degree (4 years or equivalent)
  • Minimum experience required: 15+ Years Private Banking lending Experience with a minimum of 15 yrs approving Mortgages and managing risk.
  • Expert in Underwriting and credit risk assessment
  • Ability to effectively communicate borrower creditworthiness, risk analysis and exception information.
  • Expert understanding of the Loan Fulfillment process

Job Competencies:

  • Strong communication, analytical and writing skills
  • Ability to make quick, accurate credit decisions
  • Thrive in a quick-paced environment
  • Work with top producing Managing and Group Directors, providing white glove service.
  • Problem solving skills
  • Management experience
  • Physical demands (ADA): No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer


We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information:Benefits | Flagstar Bank

Pay Range

$149,553.00 - $270,933.00

Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as appliable.

Apply