Senior Mortgage Risk Data Analyst

CMG Financial

1d•$90,000 - $110,000•Remote

About The Position

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.

Requirements

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.

Nice To Haves

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.

Responsibilities

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.