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Mortgage Risk Jobs (NOW HIRING)

LBC Mortgage

Mortgage Underwriter

North Hollywood, CA · On-site

About LBC Mortgage LBC Mortgage is a Los Angeles-based mortgage company with over 20 years of ... Analyze property details, exit strategies, deal structure, and overall risk * Calculate and ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site +1

Guild Mortgage Company , closing loans and opening doors since 1960. As a mortgage banking firm we ... The VP of Credit Risk ensures that the company's lending practices and policies are sound and ...

HMA Mortgage

Mortgage Underwriter

At HMA Mortgage, we move with purpose. We're a residential lending company built for those who ... Evaluating loan applications for risk and criteria to meet agency and investor requirements.

HMA Mortgage

Mortgage Underwriter

At HMA Mortgage, we move with purpose. We're a residential lending company built for those who ... Evaluating loan applications for risk and criteria to meet agency and investor requirements.

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Mortgage Risk information

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How much do mortgage risk jobs pay per hour?

As of Jul 13, 2026, the average hourly pay for mortgage risk in the United States is $30.69, according to ZipRecruiter salary data. Most workers in this role earn between $30.05 and $30.05 per hour, 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, and why are they important?

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.

More about Mortgage Risk jobs
What cities are hiring for Mortgage Risk jobs? Cities with the most Mortgage Risk job openings:
What are the most commonly searched types of Mortgage Risk jobs? The most popular types of Mortgage Risk jobs are:
What states have the most Mortgage Risk jobs? States with the most job openings for Mortgage Risk jobs include:
What job categories do people searching Mortgage Risk jobs look for? The top searched job categories for Mortgage Risk jobs are:
Mortgage Risk jobs near you
Infographic showing various Mortgage Risk job openings in the United States as of July 2026, with employment types broken down into 1% Locum Tenens, 83% Full Time, 6% Part Time, and 10% Contract. Highlights an 87% Physical, 2% Hybrid, and 11% Remote job distribution, with an average salary of $63,838 per year, or $30.7 per hour.
Mortgage Underwriter

Mortgage Underwriter

LBC Mortgage

North Hollywood, CA • On-site

Full-time

Re-posted 29 days ago

Job description

About LBC Mortgage
LBC Mortgage is a Los Angeles-based mortgage company with over 20 years of industry experience. Alongside our traditional mortgage business, we operate a fast-growing Private Money / Hard Money Lending Division, focused on funding real estate investment loans with speed, accuracy, and strong risk management.
We are looking for a skilled Hard Money Underwriter who understands private lending, can underwrite deals quickly, and make confident decisions that protect the company while keeping production moving.
Responsibilities
  • Underwrite Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR, Cash-Out, Ground-Up, etc.)
  • Review loan files and borrower documentation (credit, assets, entity docs, income where applicable)
  • Analyze property details, exit strategies, deal structure, and overall risk
  • Calculate and validate LTV, ARV, LTC, rehab budgets, and timelines
  • Review appraisals, comps, and market data to confirm property value and feasibility
  • Issue approvals and conditions, ensuring fast and clear communication with the team
  • Work closely with Loan Officers, Processors, and Management to move loans efficiently
  • Identify red flags early and provide clear recommendations
  • Ensure adherence to internal guidelines and lending policies

Requirements
  • 2+ years of underwriting experience in Hard Money / Private Lending (required)
  • Strong understanding of Fix & Flip and Bridge loan underwriting
  • Ability to evaluate ARV-based deals, rehab scopes, and budgets
  • Strong knowledge of appraisals, title reports, insurance, and entity structures
  • Strong attention to detail and ability to work in a high-volume, fast-paced environment
  • Excellent communication skills and ability to make confident decisions

Preferred Qualifications
  • Experience underwriting DSCR and rental investment loans
  • Experience with Ground-Up Construction loans
  • Familiarity with Encompass or other mortgage/loan CRM systems
  • Strong knowledge of investor real estate lending across multiple states

Why Join LBC Mortgage
  • Established company with strong leadership and long-term stability
  • Growing private lending division with strong pipeline
  • Opportunity for career growth into Senior Underwriter / Underwriting Manager role
  • Competitive compensation based on experience
  • Remote flexibility and supportive team environment

Apply