Commercial Insurance Analyst

Overview

The Commercial Insurance Analyst reviews, analyzes, and helps ensure the adequacy of property and casualty insurance coverage on commercial real estate loans. This role serves as the primary point of contact for insurance-related compliance matters, working with borrowers, insurance agents, and brokers to resolve coverage deficiencies and bring policies into compliance with loan agreement requirements and applicable GSE (Fannie Mae, Freddie Mac) or investor guidelines, supporting timely loan rate lock and closing.

This role requires a 10am–7pm EST shift.

Responsibilities

Insurance Document Review & Compliance Analysis

• Review and analyze ACORD certificates, declarations pages, and full insurance policies for commercial properties securing mortgage loans.
• Assess compliance against loan agreement requirements, GSE program guides (Fannie Mae Multifamily Selling & Servicing Guide, Freddie Mac Multifamily Seller/Servicer Guide), and applicable investor standards.
• Evaluate coverage types including:
  • Property (all-risk/special form)
  • General liability
  • Flood (NFIP/private)
  • Wind/named storm
  • Earthquake
  • Terrorism (TRIA)
  • Workers' compensation
  • Umbrella/excess
  • Loss of income/rents
• Validate replacement cost value (RCV), insured-to-value (ITV) ratios, deductible limits, and loss of income coverage periods against loan documentation.
• Identify and document insurance deficiencies, gaps, or non-compliance issues and initiate resolution workflows.

Agent & Borrower Outreach

• Serve as the primary liaison between the lending team, borrowers, and insurance agents/brokers to resolve coverage deficiencies.
• Communicate deficiency requirements clearly and professionally, including specific guidance on policy changes needed for compliance.
• Track outstanding items and follow up proactively to support timely resolution prior to loan closing or policy renewal deadlines.
• Escalate unresolved or complex non-compliance issues to senior analysts or management with recommended resolution paths.

Requirements

• Minimum of 2 years’ experience in commercial real estate insurance review, mortgage loan servicing, or insurance compliance.

Preferred Qualifications

• Working knowledge of FHA, Fannie Mae and/or Freddie Mac multifamily servicing and insurance requirements.
• Demonstrated ability to read, interpret, and analyze commercial property and casualty insurance policies and ACORD certificates.
• Familiarity with flood insurance regulations, NFIP policy requirements, and FEMA flood zone determinations.
• Strong attention to detail and organizational skills, with the ability to manage a high-volume workload under deadline pressure.
• Proficiency in Microsoft Office Suite, particularly Excel, Word, and Outlook.
• Excellent written and verbal communication skills, including the ability to communicate complex insurance requirements to non-specialist stakeholders.
• Experience with commercial insurance compliance across Fannie Mae, Freddie Mac, FHA/HUD, life company, CMBS, or balance sheet lending programs.
• Exposure to loan origination or pre-closing insurance review workflows.
• Bachelor’s degree in finance, Real Estate, Insurance, Business Administration, or a related field (or equivalent work experience).

Compensation & Benefits

Compensation varies depending on a wide array of factors, including specific office location, role, skill set, and level of experience. As required by local law, a reasonable compensation range is provided for roles that may be hired.

Hourly Salary Range (by location)

• California: $23.13 to $48.13
• Colorado: $23.13 to $41.59
• Connecticut: $23.13 to $41.59
• District of Columbia: $24.62 to $44.28
• Illinois: $21.39 to $41.59
• Maine: $19.66 to $35.43
• Maryland: $23.13 to $41.59
• Massachusetts: $23.13 to $44.28
• Minnesota: $23.13 to $41.59
• New York: $21.39 to $48.13
• New Jersey: $24.62 to $48.13
• Ohio: $21.39 to $38.51
• Virginia: $21.39 to $44.28
• Washington: $24.62 to $44.28

Benefits include medical, dental, vision, life, and long-term disability coverage, a 401(k) plan, bonus opportunities, paid holidays, and paid time off.

Location

• California
• Colorado
• Connecticut
• District of Columbia
• Illinois
• Maine
• Maryland
• Massachusetts
• Minnesota
• New York
• New Jersey
• Ohio
• Virginia
• Washington

Additional Information

• Applicants for employment in the US must have work authorization that does not require sponsorship of a visa for employment authorization in the United States.
• Candidates who are currently employed by a client of the employer or an affiliated business may not be eligible for consideration.