Senior Mortgage Risk Data Analyst

Overview This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Senior Mortgage Risk Data Analyst in the United States. This role plays a critical part in ensuring the accuracy, integrity, and compliance of mortgage risk and regulatory reporting across a complex lending environment. You will be responsible for analyzing large-scale mortgage data sets and producing insights that support senior leadership, investors, and regulatory bodies. The position requires deep expertise in mortgage operations, risk reporting, and regulatory frameworks, with a strong focus on Mortgage Call Reports and multi-state reporting requirements. You will act as a key subject matter expert, identifying data inconsistencies, operational gaps, and compliance risks while recommending improvements to strengthen reporting controls. Working across multiple departments, you will collaborate closely with risk, compliance, operations, audit, and IT teams. This is a highly analytical and detail-oriented role where your work directly impacts regulatory compliance and organizational risk visibility. Accountabilities Independently prepare, validate, and analyze mortgage risk, operational, and regulatory reporting data for internal leadership, investors, and regulatory agencies Serve as a subject matter expert for Mortgage Call Report (MCR) preparation, validation, and submission, ensuring accuracy and resolution of discrepancies Perform quarterly RMLA data preparation, reconciliation, and validation for mortgage reporting requirements Maintain expertise in state reporting requirements across all 50 states and ensure timely, compliant submissions Analyze mortgage loan data to identify trends, reporting gaps, compliance risks, and operational inefficiencies Apply federal and state mortgage regulations, including TILA, RESPA, TRID, ECOA, GLBA, and QM/ATR standards, to reporting and analysis activities Utilize investor and agency guidelines (FNMA, FHLMC, FHA, VA, RHS) to support accurate categorization and reporting Conduct detailed data reconciliation, validation, and scrubbing across multiple systems to ensure reporting accuracy Collaborate with cross-functional teams including Risk, Compliance, Operations, Audit, Finance, and IT to resolve data issues and align reporting assumptions Develop and maintain reporting controls, documentation, and validation frameworks to support regulatory and management reporting Generate executive-level summaries, dashboards, and insights highlighting risk trends and reporting findings Support internal and external audits by providing documentation, analysis, and regulatory reporting evidence Recommend process improvements to enhance data quality, reporting efficiency, and risk mitigation strategies Provide guidance to junior analysts and stakeholders on reporting standards and validation practices Manage competing priorities and ensure timely delivery during regulatory cycles and high-volume reporting periods Requirements 7–10 years of experience in the mortgage industry across origination, servicing, compliance, risk, or regulatory reporting functions At least 3 years of experience in mortgage risk, compliance, audit, or data analytics roles Strong experience with Mortgage Call Report (MCR) preparation, validation, and submission processes Deep knowledge of mortgage regulatory frameworks including federal laws and multi-state reporting requirements Strong understanding of investor and agency guidelines such as FNMA, FHLMC, FHA, VA, and RHS Advanced Excel skills including pivots, formulas, reconciliations, and large dataset analysis Strong analytical skills with ability to identify data issues, investigate root causes, and present findings clearly Experience working with mortgage systems and data environments in a regulated financial services context Ability to manage deadlines, prioritize competing tasks, and operate in a high-volume reporting environment High attention to detail, accuracy, and accountability in regulatory and executive reporting Strong communication skills with ability to translate complex data into clear insights for stakeholders Bachelor’s degree in Business, Finance, Data Analytics, or related field preferred Familiarity with tools such as SQL, Power BI, Tableau, SharePoint, or mortgage lending platforms is a plus Benefits Competitive annual salary ranging from 90,000 to 110,000 USD depending on experience and expertise Fully remote work opportunity within the United States Comprehensive benefits package including medical, dental, and vision coverage Exposure to high-impact regulatory, risk, and executive reporting environments Opportunities to work cross-functionally with senior leadership and industry experts Professional development in mortgage risk, compliance, and data analytics Inclusive work environment with strong focus on compliance, accuracy, and accountability Flexible work structure with potential for overtime during key reporting cycles #J-18808-Ljbffr