Senior Mortgage Risk Data Analyst

Overview

The Senior Mortgage Risk Data Analyst is responsible for independently gathering, validating, analyzing, interpreting, and presenting operational, regulatory, and risk-related data used for senior management reporting, investor reporting, state reporting, and regulatory submissions. This role serves as a subject matter expert for mortgage-related risk data, Mortgage Call Report preparation, and state reporting requirements across all 50 states.

Responsibilities

• Prepare, validate, and analyze risk, operational, and regulatory reporting data for senior management, investors, regulators, and internal business partners.
• Serve as a subject matter expert for Mortgage Call Report (MCR) preparation, validation, and submission, including identifying, researching, and resolving reporting discrepancies.
• Prepare, review, and validate RMLA data for Mortgage Call Report submissions across applicable business lines quarterly.
• Maintain knowledge of state reporting requirements across all 50 states and support accurate, timely preparation and submission of applicable state reports.
• Analyze mortgage loan data to identify trends, operational gaps, reporting inconsistencies, and potential compliance or risk exposures.
• Apply federal and state laws and regulatory requirements governing mortgage lending, including TILA, RESPA, TRID, ECOA, GLBA, QM/ATR, and applicable state reporting requirements.
• Utilize knowledge of investor and governmental agency guidelines such as FNMA, FHLMC, FHA, VA, and RHS to categorize, analyze, and report operational deficiencies.
• Perform detailed data scrubbing, reconciliation, and validation across multiple systems and departments to ensure accuracy and completeness of reporting outputs.
• Coordinate with stakeholders across Risk, Compliance, Operations, Servicing, Finance, Audit, Information Technology, and other business areas to gather data, confirm reporting assumptions, and resolve discrepancies.
• Develop and maintain reporting controls, tracking tools, validation checks, and supporting documentation for regulatory and management reporting.
• Use prescriptive analytics to identify operational weaknesses and recommend process improvements, reporting enhancements, and risk mitigation strategies.
• Prepare clear, concise summaries of reporting findings, data trends, and risk observations for leadership review.
• Support internal and external audits by providing reporting documentation, data support, research, and explanations related to risk and regulatory reporting.
• Identify opportunities to improve reporting processes, reduce manual work, increase data accuracy, and strengthen reporting controls.
• Provide guidance and support to less experienced analysts or business partners regarding reporting requirements, data validation, and risk reporting processes.
• Manage competing deadlines and shifting priorities, especially during quarterly reporting cycles, regulatory deadlines, audits, and high-volume reporting periods.
• Maintain strict confidentiality of company, employee, borrower, investor, and regulatory information.
• Perform other duties and projects as assigned.

Required Qualifications and Experience

• 7 to 10 years of mortgage industry experience, including origination, servicing, compliance, risk, quality control, regulatory reporting, or related mortgage operations.
• At least 3 years of experience in risk, compliance, regulatory reporting, data analytics, audit, or mortgage reporting.
• Experience preparing, reviewing, validating, or supporting Mortgage Call Report reporting.
• Knowledge of MCR reporting requirements and the preparation, review, validation, and submission process.
• Knowledge of state regulatory reporting requirements across all 50 states.
• Strong understanding of mortgage loan data, mortgage operations, and standard industry processes within a mortgage banking environment.
• Working knowledge of federal mortgage regulations including TILA, RESPA, TRID, ECOA, GLBA, QM/ATR, and related compliance requirements.
• Knowledge of investor and agency guidelines including FNMA, FHLMC, FHA, VA, and RHS.
• Advanced Microsoft Excel skills including formulas, pivot tables, data validation, reconciliations, and large data set analysis.
• Ability to analyze complex data, identify discrepancies, research root causes, and communicate findings clearly.
• Ability to independently manage reporting deadlines, prioritize competing work, and escalate risks or concerns timely.
• High degree of accuracy, attention to detail, and accountability when working with regulatory and executive-level reporting.
• Ability to work remotely in a paperless environment while adhering to strict privacy, confidentiality, and data security requirements.

Preferred Qualifications

• Bachelor’s degree in Business, Finance, Accounting, Data Analytics, Risk Management, Compliance, or a related field.
• Prior experience in underwriting, quality control, forensic review, compliance, audit, or regulatory examination.
• Experience with mortgage-specific loan origination systems such as DataTrac, BytePro, FNMA Loan Quality Connect, or similar.
• Experience with SharePoint, SQL, XML, Power BI, Tableau, or other data/reporting tools.
• Experience preparing reports for senior leadership, regulators, investors, internal audit, or external audit.
• Experience developing reporting controls, process documentation, validation tools, or audit support materials.

Departmental Focus

• Quality Control
• Compliance
• Information Technology
• Operations (Processing, Underwriting, Closing)
• Internal and External Audit
• Vendor Management
• Servicing
• Representations and Warranties
• Insuring

Supervisory Responsibilities

• This role has no direct reports.

Physical and Environmental Conditions

• Operates in an ADA-compliant office environment using typical office equipment and computer work.
• May involve partial stationary positions and moving throughout the day.
• Flexibility to work overtime to meet project deadlines is required.

Compensation and Location

• This is a remote role that can be performed from within the United States.
• Salary range: $90,000 to $110,000 annually.
• Salary factors include mortgage risk experience, knowledge of mortgage risk and compliance, years in the mortgage industry, roles performed, computer skills, customer service experience with mortgage lenders, and education.