ZipRecruiter

Log In

1

Mortgage Risk Jobs in Florida (NOW HIRING)

Seacoast Bank

Mortgage Sales Manager

The Villages, FL · On-site

The Mortgage Sales Manager leads the Bank's residential mortgage sales organization, driving ... Partner with Risk, Compliance, Credit, and Audit to address regulatory findings, mitigate risk, and ...

Seacoast Bank

Mortgage Loan Underwriter

Naples, FL · On-site

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL · On-site

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Stuart, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL · On-site

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

Seacoast Bank

Mortgage Loan Underwriter

Orlando, FL

The Mortgage Underwriter is responsible for independently assessing and underwriting conventional ... Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan ...

next page

Showing results 1-20

All JobsMortgage Risk JobsMortgage Risk Jobs in Florida

Mortgage Risk information

See Florida salary details

$18.7K

$84.7K

$112.4K

How much do mortgage risk jobs pay per year?

As of Aug 26, 2026, the average yearly pay for mortgage risk in Florida is $84,736.00, according to ZipRecruiter salary data. Most workers in this role earn between $71,400.00 and $89,700.00 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 popular job titles related to Mortgage Risk jobs in Florida?

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

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

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

What cities in Florida are hiring for Mortgage Risk jobs?

Cities in Florida with the most Mortgage Risk job openings:

Mortgage Risk jobs near you
Infographic showing various Mortgage Risk job openings in Florida as of August 2026, with employment types broken down into 1% As Needed, 88% Full Time, 9% Part Time, and 2% Contract. Highlights an 85% Physical, 5% Hybrid, and 10% Remote job distribution, with an average salary of $84,736 per year, or $40.7 per hour.

Residential Mortgage Underwriter

Hollywood, FL • On-site

Amerantbank
See more jobs at Amerantbankexternal

Full-time

Re-posted 19 hours ago

Job description

About the Role:

This role plays a critical role in ensuring the integrity and compliance of mortgage credit processes within the organization. This position is responsible for overseeing the evaluation, approval, and monitoring of mortgage credit applications to mitigate risk and uphold regulatory standards. The officer will collaborate closely with, risk management, and compliance teams to maintain accurate documentation and adherence to internal policies and external regulations. By analyzing credit data and financial statements, the officer ensures that mortgage lending decisions are sound and support the institution's financial health. Ultimately, this role contributes to the organization's goal of providing responsible lending solutions while minimizing credit risk exposure.

Minimum Qualifications:

  • Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
  • Minimum of 3 years of experience in mortgage credit administration, underwriting, or a related financial services role.
  • Strong knowledge of mortgage lending regulations and compliance requirements in the United States.
  • Proficiency in credit analysis and financial statement review.
  • Excellent organizational skills with attention to detail and accuracy.

Preferred Qualifications:

  • Professional certification such as Certified Mortgage Banker (CMB) or similar credentials.
  • Experience with mortgage loan origination systems and credit risk management software.
  • Familiarity with federal and state mortgage lending laws including RESPA, TILA, and ECOA.
  • Advanced Excel and data analysis skills.
  • Prior experience working in a regulatory or audit environment.

Responsibilities:

  • Review and assess mortgage credit applications for completeness, accuracy, and compliance with regulatory and internal guidelines.
  • Coordinate with underwriting and risk management teams to evaluate creditworthiness and identify potential risks associated with mortgage lending.
  • Maintain and update mortgage credit files, ensuring all documentation is properly filed and accessible for audits and regulatory reviews.
  • Monitor ongoing mortgage credit portfolios to detect early signs of credit deterioration and recommend appropriate actions.
  • Prepare detailed reports on mortgage credit activities, trends, and compliance status for senior management and regulatory bodies.
  • Assist in the development and implementation of credit policies and procedures to enhance operational efficiency and risk mitigation.
  • Provide training and guidance to junior staff on mortgage credit administration best practices and regulatory requirements.

Skills:

This role utilizes analytical skills daily to evaluate credit applications and financial documents, ensuring that lending decisions are well-informed and compliant. Strong communication skills are essential for collaborating with internal teams and conveying complex credit information clearly to stakeholders. Organizational skills are critical for maintaining comprehensive and accurate credit files that support audit readiness and regulatory compliance. Proficiency with mortgage software and data analysis tools enables the officer to efficiently monitor credit portfolios and generate insightful reports. Additionally, knowledge of regulatory frameworks guides the officer in implementing policies that safeguard the institution against credit risk while promoting responsible lending.


This position is Florida based and hybrid/remote work eligible.