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Mortgage Risk Jobs in Florida (NOW HIRING)

Opendoor

Head of Mortgage Operations

Miami, FL · On-site

Communicate mortgage business performance, risk posture, and growth plans clearly and frequently - translating operational data into strategic recommendations for Opendoor's leadership team and board.

Fifth Third Bank

Mortgage Loan Originator.

Sarasota, FL · On-site

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns ... Maintain knowledge of Fifth Third Mortgage Company's policies and procedures. * Maintain knowledge ...

Fifth Third

Mortgage Loan Originator

Orlando, FL

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns ... Maintain knowledge of Fifth Third Mortgage Company's policies and procedures. * Maintain knowledge ...

Fifth Third Bank

Mortgage Loan Originator

Orlando, FL · On-site

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns ... Maintain knowledge of Fifth Third Mortgage Company's policies and procedures. * Maintain knowledge ...

Fifth Third

Mortgage Loan Originator.

Sarasota, FL · On-site

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns ... Maintain knowledge of Fifth Third Mortgage Company's policies and procedures. * Maintain knowledge ...

Fifth Third

Mortgage Loan Originator.

Cape Coral, FL

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns ... Maintain knowledge of Fifth Third Mortgage Company's policies and procedures. * Maintain knowledge ...

Fifth Third

Mortgage Loan Originator

Tampa, FL

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns ... Maintain knowledge of Fifth Third Mortgage Company's policies and procedures. * Maintain knowledge ...

Fifth Third Bank

Mortgage Loan Originator

Tampa, FL · On-site

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns ... Maintain knowledge of Fifth Third Mortgage Company's policies and procedures. * Maintain knowledge ...

Wells Fargo

Private Mortgage Banker

Naples, FL

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

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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 6, 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 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 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 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, 8% Part Time, and 3% Contract. Highlights an 88% Physical, 4% Hybrid, and 8% Remote job distribution, with an average salary of $84,736 per year, or $40.7 per hour.

Head of Mortgage Operations

Opendoor

Miami, FL • On-site

Full-time

Medical, Dental, Vision, PTO

Re-posted 21 days ago

Job description

About Opendoor
At Opendoor our mission is to tilt the world in favor of homeowners and those who aim to become one. Homeownership matters. It's how people build wealth, stability, and community. It's how families put down roots, how neighborhoods strengthen, how the future gets built. We're building the modern system of homeownership giving people the freedom to buy and sell on their own terms. We've built an end-to-end online experience that has already helped thousands of people and we're just getting started.
About the Role
Opendoor Home Loans (ODHL) is rebuilding the mortgage experience from the ground up - a technology-forward origination platform designed to make financing a home as simple and certain as buying one on Opendoor. Mortgage is one of the most consequential markets in the world, and it's also one of the most broken: opaque pricing, slow timelines, frustrated borrowers, and a tech stack stuck in the 2000s. We think we can do better, and we think the most credible way to prove it is to build it ourselves.
We're looking for an experienced mortgage executive to run and grow the business as Head of Mortgage. You'll own the full P&L, the production engine, the regulatory posture, and operational excellence. You'll be the senior-most operator inside ODHL and the named executive accountable for the business to Opendoor's leadership team, our regulators, and our GSE and investor partners. You'll report to Lucas Matheson, President of Opendoor.
This is a build job. The licensing entity exists, the playbook does not. You'll inherit a small, capable team - and you'll build everything around it: the operating cadence, the loan products, the QC program, the secondary execution strategy, and the path to scale across all 50 states.
What You'll Do
  • Run the business. Own the full P&L for Opendoor Home Loans - loan volume, gain-on-sale margin, unit economics, OpEx, and contribution to Opendoor's consolidated financials. Drive volume growth while continuously improving the economics of every loan funded.
  • Lead and scale end-to-end origination. Build and lead the team that owns the full mortgage origination lifecycle - lead generation, application, processing, underwriting, closing, and post-closing delivery - refining processes that drive efficiency and an exceptional borrower experience across multiple states.
  • Own the regulatory posture. Ensure the business is operated, and loans are originated, in full compliance with all applicable federal and state mortgage laws - including RESPA, TILA/TRID, ECOA, HMDA, the SAFE Act, BSA/AML, and applicable state licensing laws - and build robust compliance frameworks that scale with the business.
  • Serve as, or directly oversee, the AML/BSA Compliance Officer, ensuring the organization meets all anti-money laundering and Bank Secrecy Act obligations.
  • Manage agency and investor relationships. Own GSE (Fannie Mae and Freddie Mac) seller/servicer relationships and approvals, uphold FHA and VA requirements, and optimize secondary market execution strategies. Manage Ginnie Mae issuer status as we expand into government lending.
  • Lead the team. Manage the Head of Sales & Origination, the Head of Operations, Compliance, Capital Markets, and supporting functions. Hire, ramp, and develop the leaders below you. Set the operating rhythm - weekly pipeline reviews, monthly business reviews, quarterly planning.
  • Partner cross-functionally. Integrate the mortgage offering into Opendoor's broader platform. Work with Legal on entity structure and regulatory filings, with Finance on capital planning and warehouse facilities, with Marketing on funnel handoffs, and with Buyer leadership on attach-rate strategy.
  • Manage third-party relationships. Own commercial relationships with appraisal management companies, title and settlement partners, warehouse lenders, investor partners, mortgage insurance providers, and technology vendors - ensuring reliable execution and favorable terms.
  • Report to executive leadership. Communicate mortgage business performance, risk posture, and growth plans clearly and frequently - translating operational data into strategic recommendations for Opendoor's leadership team and board.
  • Own loan quality. Establish and maintain loan quality control and risk management programs - including pre-funding and post-closing QC, audit readiness, repurchase risk mitigation, and early-payment default monitoring - to protect the company, our investors, and our customers.

What We're Looking For
  • 5+ years of progressive residential mortgage industry experience, with time in a senior leadership role or in a general management capacity at a non-bank or independent mortgage company.
  • Proven track record of building, scaling, and managing end-to-end mortgage origination operations across multiple states.
  • Deep knowledge of the full mortgage origination lifecycle, from lead generation through closing and post-closing delivery.
  • Strong working knowledge of federal and state mortgage regulations - RESPA, TILA/TRID, ECOA, HMDA, BSA/AML, the SAFE Act, and applicable state licensing laws.
  • Experience serving as, or directly overseeing, an AML/BSA Compliance Officer.
  • Familiarity with GSE (Fannie Mae / Freddie Mac) seller/servicer requirements, FHA Handbook requirements, VA lender requirements, and secondary market execution strategy.
  • Strong P&L management experience with a demonstrated ability to drive loan volume and improve unit economics - not just one or the other.
  • Active NMLS registration in good standing; ability and willingness to obtain MLO licenses in required states.
  • Demonstrated ability to collaborate cross-functionally in a startup or high-growth environment, including with product and engineering teams on technology decisions.
  • Clean character and fitness record across all jurisdictions of operation; able to be named as a control person on state entity licenses.
  • Bachelor's degree required.

Who You Are
  • A builder. You're energized by writing the playbook, not just executing one someone else wrote. You're comfortable with ambiguity, gaps in the org chart, and the fact that the right answer often isn't obvious yet.
  • Operationally rigorous. You run a tight business. You know your numbers cold - volume, margin, cost-to-originate, pull-through, EPD, repurchase rate - and you can explain what's moving them and why.
  • A regulator's regulator. You see compliance and quality not as friction but as part of the product. You'd rather catch a problem in QC than read about it in a CFPB consent order.
  • A technologist at heart. You believe mortgage is fundamentally a technology and data problem. You're excited to partner with engineers, push on automation, and rethink workflows that the industry has accepted as "the way it's done."
  • AI-fluent. You're already using AI to do your job better, and you have strong opinions about where AI should and shouldn't sit in the origination workflow.
  • A leader people want to follow. You build teams that retain. You hire well, coach honestly, and create the conditions for your people to do the best work of their careers.
  • Mission-aligned. You believe in what Opendoor is trying to do - and you understand that mortgage is what makes the rest of the platform real for customers.

Bonus Points
  • Prior experience in real estate, proptech, or financial services.
  • Familiarity with the home-buying or home-selling transaction from the consumer or agent side.
  • Experience managing cross-functional workstreams inside a fast-paced, technology-driven environment.
  • Experience launching a mortgage business or product line from scratch (vs. inheriting a mature operation).
  • Held senior leadership roles at multiple non-bank mortgage lenders

Why Opendoor
  • Competitive salary and equity
  • Comprehensive health, dental, and vision benefits
  • Flexible PTO and parental leave
  • Hybrid work model with offices in San Francisco, Phoenix, and other key markets
  • A mission-driven team working on one of the most complex and consequential markets in the world

Opendoor is committed to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status.
Location
Miami, FL or Tempe, AZ. This is an in-office leadership role at one of ODHL's principal offices, with regular travel to the other and to other licensed ODHL offices as needed. Must maintain an active NMLS registration in good standing and the ability to obtain MLO licenses in required states.
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