Senior Mortgage Risk Data Analyst

Senior Mortgage Risk Data Analyst

CMG Financial is seeking a Senior Mortgage Risk Data Analyst to independently gather, validate, analyze, interpret, and present operational, regulatory, and risk-related data. This role is crucial for senior management reporting, investor reporting, state reporting, and regulatory submissions. You will serve as a subject matter expert for mortgage-related risk data, Mortgage Call Report preparation, and state reporting requirements across all 50 states. The ideal candidate will identify data trends, reporting gaps, operational risks, and process weaknesses, providing recommendations to enhance reporting accuracy, operational controls, and compliance.

Key Responsibilities

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

Required Qualifications and Experience

• Minimum 7-10 years of mortgage industry experience (origination, servicing, compliance, risk, quality control, regulatory reporting, or related operations).
• Minimum 3 years of experience in risk, compliance, regulatory reporting, data analytics, audit, or mortgage reporting.
• Proven experience preparing, reviewing, validating, or supporting Mortgage Call Report reporting.
• Required knowledge of MCR reporting requirements and submission processes.
• Required knowledge of state regulatory reporting requirements across all 50 states.
• Strong understanding of mortgage loan data, operations, and standard industry processes in a mortgage banking environment.
• Strong working knowledge of federal mortgage regulations (TILA, RESPA, TRID, ECOA, GLBA, QM/ATR).
• Strong knowledge of investor and agency guidelines (FNMA, FHLMC, FHA, VA, RHS).
• Advanced Microsoft Excel skills (formulas, pivot tables, data validation, reconciliations, 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 work, and escalate concerns.
• High degree of accuracy, attention to detail, and accountability.
• Ability to work remotely in a paperless environment, adhering to privacy, confidentiality, and data security requirements.

Preferred Qualifications and Experience

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

Key Departmental Focus

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

Key skills/competency

• Mortgage Risk Data Analysis
• Regulatory Reporting
• Mortgage Call Report (MCR)
• State Reporting Requirements
• Data Validation and Reconciliation
• Risk Assessment and Mitigation
• Mortgage Operations
• Federal Mortgage Regulations (TILA, RESPA, TRID)
• Investor and Agency Guidelines (FNMA, FHLMC)
• Advanced Microsoft Excel