[Remote] Senior Mortgage Risk Data Analyst

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.ResponsibilitiesIndependently prepare, validate, and analyze risk, operational, and regulatory reporting data for senior management, investors, regulators, and internal business partnersServe 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 discrepanciesPrepare, review, and validate RMLA data for Mortgage Call Report submissions across all applicable business lines on a quarterly basisMaintain required knowledge of state reporting requirements across all 50 states and support accurate, timely preparation and submission of applicable state reportsAnalyze mortgage loan data to identify trends, operational gaps, reporting inconsistencies, and areas of potential compliance or risk exposureApply 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 requirementsApply knowledge of investor and governmental agency guidelines, including FNMA, FHLMC, FHA, VA, and RHS, to categorize, analyze, and report operational deficienciesPerform detailed data scrubbing, reconciliation, and validation across multiple systems and departments to ensure accuracy and completeness of reporting outputsCoordinate with stakeholders across Risk, Compliance, Operations, Servicing, Finance, Audit, Information Technology, and other business areas to gather data, confirm reporting assumptions, and resolve data discrepanciesDevelop and maintain reporting controls, tracking tools, validation checks, and supporting documentation for regulatory and management reportingUtilize prescriptive analytics to identify operational weaknesses and recommend process improvements, reporting enhancements, and risk mitigation strategiesPrepare clear, concise summaries of reporting findings, data trends, and risk observations for leadership reviewSupport internal and external audits by providing reporting documentation, data support, research, and explanations related to risk and regulatory reportingIdentify opportunities to improve reporting processes, reduce manual work, increase data accuracy, and strengthen reporting controlsProvide guidance and support to less experienced analysts or business partners regarding reporting requirements, data validation, and risk reporting processesManage competing deadlines and shifting priorities, particularly during quarterly reporting cycles, regulatory deadlines, audits, and high-volume reporting periodsMaintain strict confidentiality of company, employee, borrower, investor, and regulatory informationComplete other duties and/or projects as assignedSkillsMinimum 7 to 10 years of mortgage industry experience, including experience in origination, servicing, compliance, risk, quality control, regulatory reporting, or related mortgage operationsMinimum 3 years of experience in a risk, compliance, regulatory reporting, data analytics, audit, or mortgage reporting capacityRequired experience preparing, reviewing, validating, or supporting Mortgage Call Report reportingRequired knowledge of MCR reporting requirements and how Mortgage Call Reports are prepared, reviewed, validated, and submittedRequired knowledge of state regulatory reporting requirements across all 50 statesStrong understanding of mortgage loan data, mortgage operations, and standard industry processes within a mortgage banking environmentStrong working knowledge of federal mortgage regulations, including TILA, RESPA, TRID, ECOA, GLBA, QM/ATR, and related compliance requirementsStrong knowledge of investor and agency guidelines, including FNMA, FHLMC, FHA, VA, and RHSAdvanced Microsoft Excel experience, including formulas, pivot tables, data validation, reconciliations, and large data set analysisDemonstrated ability to analyze complex data, identify discrepancies, research root causes, and communicate findings clearlyAbility to independently manage reporting deadlines, prioritize competing work, and escalate risks or concerns timelyHigh degree of accuracy, attention to detail, and accountability when working with regulatory and executive-level reportingAbility to work remotely in a paperless environment while adhering to strict privacy, confidentiality, and data security requirementsBachelor's degree in Business, Finance, Accounting, Data Analytics, Risk Management, Compliance, or a related field preferredPrior underwriting, quality control, forensic review, compliance, audit, or regulatory examination experience preferredExperience with mortgage-specific loan origination systems, including DataTrac, BytePro, FNMA Loan Quality Connect, or similar systems preferredExperience with SharePoint, SQL, XML, Power BI, Tableau, or other data/reporting tools preferredExperience preparing reports for senior leadership, regulators, investors, internal audit, or external audit preferredExperience developing reporting controls, process documentation, validation tools, or audit support materials preferredCompany OverviewCMG 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.