Note: The job is a remote job and is open to candidates in USA. CMG Financial is a company specializing in mortgage services, and they are seeking a Senior Mortgage Risk Data Analyst. This role involves gathering, validating, and analyzing mortgage-related risk data for senior management and regulatory reporting, while also serving as a subject matter expert on compliance and operational risks.
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
Skills
- 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
- 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
Company Overview
CMG Financial is a well-capitalized, privately held mortgage-banking firm. It was founded in 1993, and is headquartered in San Ramon, California, USA, with a workforce of 1001-5000 employees. Its website is http://www.cmgfi.com.