Remote Senior Mortgage Risk Data Analyst

Description

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. The Senior Risk Data Analyst is expected to identify data trends, reporting gaps, operational risks, and process weaknesses, while providing recommendations to strengthen reporting accuracy, operational controls, and compliance outcomes. The Senior Risk Data Analyst will work cross-functionally with Business Partners and senior leadership

 

ESSENTIAL DUTIES and RESPONSIBILITIES,  includes the following responsibilities, but not limited to:

 

 

• Independently 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 preparation, validation, and submission, including required knowledge of MCR reporting requirements and the ability to identify, research, and resolve reporting discrepancies.
• Prepare, review, and validate RMLA data for Mortgage Call Report submissions across all applicable business lines on a quarterly basis.
• Maintain required 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 areas of potential compliance or risk exposure.
• Apply current federal and state laws and regulatory requirements governing mortgage lending, including but not limited to TILA, RESPA, TRID, ECOA, GLBA, QM/ATR, and applicable state reporting requirements.
• Apply knowledge of investor and governmental agency guidelines, including 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 data discrepancies.
• Develop and maintain reporting controls, tracking tools, validation checks, and supporting documentation for regulatory and management reporting.
• Utilize 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, particularly during quarterly reporting cycles, regulatory deadlines, audits, and high-volume reporting periods.
• Maintain strict confidentiality of company, employee, borrower, investor, and regulatory information.
• Complete other duties and/or projects as assigned.

 

 

REQUIRED QUALIFICATIONS AND EXPERIENCE:

 

• Minimum 7 to 10 years of mortgage industry experience, including experience in origination, servicing, compliance, risk, quality control, regulatory reporting, or related mortgage operations.
• Minimum 3 years of experience in a risk, compliance, regulatory reporting, data analytics, audit, or mortgage reporting capacity.
• Required experience preparing, reviewing, validating, or supporting Mortgage Call Report reporting.
• Required knowledge of MCR reporting requirements and how Mortgage Call Reports are prepared, reviewed, validated, and submitted.
• Required 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.
• Strong working knowledge of federal mortgage regulations, including TILA, RESPA, TRID, ECOA, GLBA, QM/ATR, and related compliance requirements.
• Strong knowledge of investor and agency guidelines, including FNMA, FHLMC, FHA, VA, and RHS.
• Advanced Microsoft Excel experience, including formulas, pivot tables, data validation, reconciliations, and large data set analysis.
• Demonstrated 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.

 

 

 

 

  QUALIFICATIONS AND EXPERIENCE:

 

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

 

Key Departmental Focus:

 

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

 

 

SUPERVISORY RESPONSIBILITIES : Direct Reports: N/A

PHYSICAL and ENVIRONMENTAL CONDITIONS

This role operates in an ADA compliant office environment, utilizing typical office equipment and tasks including computer work. The position may involve partial stationary positions and moving throughout the day. Flexibility to work overtime to meet project deadlines is required.

 
 

Base Compensation Information –   This is a remote role that can be performed from within the United States. CMG pays a competitive salary which ranges from $90,000 to $110,000. Factors that affect base salary may include: Specific Mortgage Risk experience, overall knowledge of mortgage risk and compliance, number of years worked in mortgage industry, types of roles performed, computer skills, customer service experience specific to working with mortgage lenders, and education. 

CMG MORTGAGE, INC. NMLS #1820 If you are a recruiter or placement agency, please do not submit resumes to any person or email address at CMG Financial prior to having a signed agreement . CMG Financial is not liable for and will not pay placement fees for candidates submitted by any agency other than its approved recruitment partners. Furthermore, any resumes sent to us without an agreement in place will be considered your company’s gift to CMG Financial and may be forwarded to our recruiters for their attention.

CMG Financial is an equal opportunity employer and does not unlawfully discriminate in employment decisions. CMG will consider all qualified applicants without regard to race, religion, national origin, sex, age, veteran status, disability, familial status, marital status, actual or perceived sexual orientation, or actual or perceived gender identity. Applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of CMG Financial or reach out to [email protected] .