Mortgage Risk & Compliance Analyst

Mortgage Risk & Compliance AnalystBank of England Mortgage is seeking a detail-oriented Mortgage Risk & Compliance Analyst to support the company's quality control, compliance, and risk management functions. This role plays a key part in ensuring mortgage loans meet regulatory requirements, investor guidelines, and internal quality standards.The analyst will review loan files, analyze underwriting decisions, monitor regulatory compliance, and work closely with underwriting and operations teams to identify trends, mitigate risk, and improve processes.Key ResponsibilitiesConduct pre-funding and post-funding quality control reviews of mortgage loan files.Evaluate underwriting decisions to ensure compliance with investor guidelines and internal policies.Identify documentation issues, calculation errors, or compliance concerns during loan file reviews.Track and analyze adverse underwriting decisions including declines and policy exceptions.Maintain documentation and reporting related to quality control findings and risk analysis.Assist with regulatory compliance activities including HMDA data review and reporting.Generate reports from the loan origination system (Encompass or similar) and analyze data trends.Monitor regulatory changes and investor guideline updates affecting mortgage operations.Coordinate verification activities such as employment, deposit, and credit reviews when needed.Recommend process improvements to strengthen loan quality and compliance.QualificationsEducationHigh School Diploma or GED requiredBachelor's degree in Business, Finance, Accounting, or related field preferredExperience3+ years of mortgage industry experience preferredExperience in underwriting, loan processing, quality control, compliance, or risk analysis preferredSkillsStrong analytical and problem-solving skillsProficiency in Microsoft Excel and reporting toolsExperience with mortgage loan origination systems such as Encompass preferredStrong attention to detail and organizational skillsExcellent written and verbal communication abilitiesWork EnvironmentThis position operates in a professional office environment and requires extended periods of computer work, document review, and data analysis.Why Join Bank of England MortgageCollaborative team environmentOpportunities to contribute to operational improvement and risk managementWork closely with underwriting and leadership teamsBank of England Mortgage is an equal opportunity employer and complies with all applicable federal and state employment laws.