Mortgage Analyst Jobs
Mortgage Analyst jobs are open across banks, credit unions, mortgage companies, and fintech lenders, from entry-level to senior and lead roles, with specializations in underwriting support, loan portfolio analysis, and risk assessment. Find a role that fits below and apply directly.
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Showing 5 of 54+ Mortgage Analyst jobs
Working closely with Compliance, Risk Management, Fulfillment, Underwriting, Closing, Post Closing, Technology, and Leadership, this role analyzes business processes, identifies opportunities for improvement, develops data-driven solutions, and implements automation strategies that enhance quality, efficiency, compliance, and customer experience.
Responsibilities :
- Assist with AI and automation initiatives (loan review activities, defect Identification, policy, and procedure research).
- Performs audit functions for both risk controls and regulatory Quality Control to ensure compliance and provide framework for management to examine and adjust policy and procedures.
- Responsible for reviewing completed work, quality control reviews, investigation and reporting on processes, procedures, and programs.
- Validates standards, measures performance, and determines compliance with mortgage originations, which includes monitoring trending, reporting loan defects and ensures that loans delivered to investors meet agency guidelines and sound underwriting decisions. Identifies and assesses operational risk and impact and makes recommendations for effective policies and controls to manage risk within various operational and corporate functions.
- Re-underwrites original credit and collateral lending decisions, identifying red flags, and determining if targeted loan selections met the terms, conditions, representations and warranties of the applicable contractual documents and underwriting
- Encompass/ICE preferred.
- Utilize advanced Excel, Power BI, reporting tools, and AI-powered analytics solutions.
- Monitor adherence to Agency, Investor, State, and Federal mortgage requirements.
- Support internal audits, regulatory examinations, and compliance reviews.
- Requires some college and 1+ yrs experience with mortgage lending, credit, compliance, underwriting or other directly related experience.
- A combination of education and experience may meet requirements.
- Basic knowledge of residential mortgage lending policies, procedures, and practices.
- Must be knowledgeable in credit, finance, and lending procedures.
- Working knowledge of lending systems, government lending programs, guidelines, and other lending-related laws, regulations, and requirements.
- Good analysis, decision making, and problem resolution skills.
- Proficiency in PC and MS Office skills, Power Point.
- Sound client relations and communications skills, both written and verbal.
- Experience with mortgage origination platform.
- Experience with and knowledge of CFPB, FDIC, OCC mortgage origination requirements.
- Experience with and knowledge of SOX, Reg B, Reg Z, etc. and USPAP.
- Must have sound communication and presentation skills.
- Ability to manage and accomplish multiple tasks and resolve competing priorities effectively is essential.
- Individual must be a proven Team Player, with initiative and flexibility.
- Medical, Dental and Vision Insurance - START DAY ONE!
- Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
- Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
- Paid Training, Paid Time Off (PTO) and Paid Federal Holidays, and any applicable state holidays
- Salary range: $53,000.00 to $85,000.00 depending on experience.
- 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
- Mental health benefits including coaching and therapy sessions
- Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
- Employee Ambassador preferred banking products
Working closely with Compliance, Risk Management, Fulfillment, Underwriting, Closing, Post Closing, Technology, and Leadership, this role analyzes business processes, identifies opportunities for improvement, develops data-driven solutions, and implements automation strategies that enhance quality, efficiency, compliance, and customer experience.
Responsibilities :
- Assist with AI and automation initiatives (loan review activities, defect Identification, policy, and procedure research).
- Performs audit functions for both risk controls and regulatory Quality Control to ensure compliance and provide framework for management to examine and adjust policy and procedures.
- Responsible for reviewing completed work, quality control reviews, investigation and reporting on processes, procedures, and programs.
- Validates standards, measures performance, and determines compliance with mortgage originations, which includes monitoring trending, reporting loan defects and ensures that loans delivered to investors meet agency guidelines and sound underwriting decisions. Identifies and assesses operational risk and impact and makes recommendations for effective policies and controls to manage risk within various operational and corporate functions.
- Re-underwrites original credit and collateral lending decisions, identifying red flags, and determining if targeted loan selections met the terms, conditions, representations and warranties of the applicable contractual documents and underwriting
- Encompass/ICE preferred.
- Utilize advanced Excel, Power BI, reporting tools, and AI-powered analytics solutions.
- Monitor adherence to Agency, Investor, State, and Federal mortgage requirements.
- Support internal audits, regulatory examinations, and compliance reviews.
- Requires some college and 1+ yrs experience with mortgage lending, credit, compliance, underwriting or other directly related experience.
- A combination of education and experience may meet requirements.
- Basic knowledge of residential mortgage lending policies, procedures, and practices.
- Must be knowledgeable in credit, finance, and lending procedures.
- Working knowledge of lending systems, government lending programs, guidelines, and other lending-related laws, regulations, and requirements.
- Good analysis, decision making, and problem resolution skills.
- Proficiency in PC and MS Office skills, Power Point.
- Sound client relations and communications skills, both written and verbal.
- Experience with mortgage origination platform.
- Experience with and knowledge of CFPB, FDIC, OCC mortgage origination requirements.
- Experience with and knowledge of SOX, Reg B, Reg Z, etc. and USPAP.
- Must have sound communication and presentation skills.
- Ability to manage and accomplish multiple tasks and resolve competing priorities effectively is essential.
- Individual must be a proven Team Player, with initiative and flexibility.
- Medical, Dental and Vision Insurance - START DAY ONE!
- Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
- Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
- Paid Training, Paid Time Off (PTO) and Paid Federal Holidays, and any applicable state holidays
- Salary range: $53,000.00 to $85,000.00 depending on experience.
- 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
- Mental health benefits including coaching and therapy sessions
- Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
- Employee Ambassador preferred banking products
Mortgage Analyst Jobs by Experience Level
See All 54 Mortgage Analyst Jobs
Find roles that match your experience and apply in just a few clicks.
Find Mortgage Analyst JobsMortgage Analyst Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services
- Fintech
What Employers Look For
The qualifications that appear most often in mortgage analyst jobs.
- Bachelor's degree in finance, business, economics, or a related field
- Experience reviewing and analyzing mortgage loan files and documentation
- Proficiency with loan origination systems such as Encompass or Calyx
- Knowledge of federal mortgage regulations including RESPA, TILA, and TRID
- Strong Excel skills for financial modeling, data analysis, and reporting
- Familiarity with underwriting guidelines from Fannie Mae or Freddie Mac
Tips for Your Mortgage Analyst Job Search
Tailor your resume to loan types
Hiring managers scan for the specific loan products you've worked with, whether that's conventional, FHA, VA, or jumbo loans. List each product type explicitly on your resume rather than grouping them under a vague line about mortgage experience.
Highlight proficiency in LOS platforms
Many postings screen for hands-on experience with loan origination systems like Encompass or Calyx. Name the platforms you've used and describe a task you completed in each one so reviewers don't have to guess at your technical depth.
Apply early to roles that fit
Migrate Mate lists mortgage analyst openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target postings that name your specialty
Job titles vary widely, covering underwriting analyst, credit analyst, and loan review analyst for work that's essentially the same function. Search multiple title variations and read the duties section carefully to confirm the role matches your actual day-to-day experience.
Prepare a data walkthrough for interviews
Interviewers frequently ask you to walk through how you'd analyze a borrower's debt-to-income ratio or flag a discrepancy in a file. Practice narrating your decision process out loud so your reasoning is clear, not just your conclusion.
Negotiate by citing regulatory complexity
If an offer comes in below your range, ground your counteroffer in the compliance workload the role carries, such as TRID timelines or QM documentation requirements. Demonstrating awareness of regulatory burden signals you understand what the job actually demands.
Mortgage Analyst Jobs: Frequently Asked Questions
Which companies are hiring the most mortgage analysts?
The most active employers for mortgage analysts right now are Fitch, Fifth Third Bank, and Regions Financial, and the most openings are in New York, California, and Texas, based on current listings on Migrate Mate as of November 2026. Demand tends to concentrate at large retail banks, regional mortgage lenders, and servicers managing high-volume portfolios.
How many mortgage analyst jobs are remote?
About 79% of mortgage analyst openings are fully remote or hybrid as of November 2026, with availability varying by employer size and loan volume. Roles focused on data analysis, pipeline reporting, and post-close file review are most commonly offered remotely, while positions involving direct borrower contact or same-day compliance review more often require an on-site presence.
How do you become a mortgage analyst?
Start by completing a bachelor's degree in finance, business, or economics, then pursue an entry-level role in loan processing or mortgage operations to build file-review experience. Earning a certification such as a Mortgage Loan Originator license or a credit analysis credential strengthens your candidacy. From there, targeted experience with underwriting software and regulatory guidelines positions you for analyst-level openings.
Can you get hired as a mortgage analyst with little experience?
Yes, many lenders hire candidates with limited direct mortgage experience if they can demonstrate strong financial analysis fundamentals and attention to detail. Starting in a loan processor or operations coordinator role gives you file-handling exposure that translates directly into analyst work. Coursework in real estate finance, a working knowledge of Fannie Mae guidelines, and proficiency in Excel can offset a thin resume at the entry level.
What does the mortgage analyst interview process look like?
Most mortgage analyst interviews include an initial phone screen focused on your loan file experience and software familiarity, followed by one or two rounds covering technical scenarios such as calculating debt-to-income ratios or identifying documentation deficiencies. Some employers add a written or spreadsheet-based exercise to assess your analytical approach. Final-round conversations often shift toward regulatory knowledge and your process for managing compliance deadlines under a high file volume.
Where can I find and apply to mortgage analyst jobs?
You can find and apply to mortgage analyst jobs on Migrate Mate, which lists current openings from across the United States in one place. Find the roles that match your experience and specialization, then apply directly to each listing that fits.
See All 54 Mortgage Analyst Jobs
Find roles that match your experience and apply in just a few clicks.
Find Mortgage Analyst Jobs