Mortgage Risk & Compliance Analyst – Elevate Loan Quality

Bank of England Mortgage Corporation; Little Rock (AR); On-site; USD 65,000 - 90,000; Full time

Job summary

Bank of England Mortgage is seeking a detail-oriented Mortgage Risk & Compliance Analyst to support quality control, compliance, and risk management functions. The role ensures mortgage loans meet regulatory requirements, investor guidelines, and internal quality standards.

The analyst reviews loan files, analyzes underwriting decisions, monitors compliance, and collaborates with underwriting and operations to identify trends, mitigate risk, and improve processes.

Qualifications

• Bachelor’s degree preferred in Business, Finance, Accounting, or related field.
• 3+ years mortgage industry experience preferred.
• Experience in underwriting, loan processing, quality control, compliance, or risk analysis preferred.
• Proficiency in Microsoft Excel and reporting tools.
• Experience with mortgage loan origination systems such as Encompass preferred.

Responsibilities

• Conduct pre-funding and post-funding quality control reviews of mortgage loan files.
• Evaluate underwriting decisions for compliance with investor guidelines and internal policies.
• Identify documentation issues, calculation errors, or compliance concerns during 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 and analyze data trends.
• Monitor regulatory changes and investor guideline updates affecting operations.
• Coordinate verification activities such as employment, deposit, and credit reviews.

Skills

Analytical skills

Attention to detail

Communication skills

Excel & reporting tools

Data analysis

Education

High School Diploma or GED

Bachelor’s degree preferred

Tools

Encompass

Job description

Bank of England Mortgage is seeking a detail-oriented Mortgage Risk & Compliance Analyst to support quality control, compliance, and risk management functions. The role ensures mortgage loans meet regulatory requirements, investor guidelines, and internal quality standards.

The analyst reviews loan files, analyzes underwriting decisions, monitors compliance, and collaborates with underwriting and operations to identify trends, mitigate risk, and improve processes.