Mortgage Loan Analyst I

Overview

This Mortgage Loan Analyst role involves reviewing, underwriting, negotiating, and recommending mortgage loan transactions across new originations, refinances, and administrative actions. The position evaluates commercial real estate, analyzes financial statements, reviews third-party reports, and prepares underwriting materials to support loan origination, investor relations, closing, and servicing. The role also contributes to portfolio reporting, market research, and cross-department workflow to support efficient loan operations.

This role requires traveling once a year to correspondent markets in partnership with an Underwriter or Manager.

Responsibilities

• Review, underwrite, negotiate, and recommend new loan originations and refinances within established guidelines.
• Analyze borrower and tenant financials, organizational structures, and third-party reports.
• Prepare underwriting spreadsheets, commitment letters, and documentation for extensions, assumptions, modifications, and other loan actions.
• Support communication and workflow between underwriting, investor relations, closing, and servicing teams.
• Develop and maintain portfolio reports, models, and market research to support mortgage investment decisions.
• Conduct property site inspections and provide analytical support to the local market team.

Requirements

• Bachelor’s degree in real estate, finance, accounting, or a related field.
• 2+ years of experience in commercial mortgage lending, real estate investment, or a related field.
• Working knowledge of commercial mortgage lending practices, legal documentation, and real estate valuation concepts.
• Proficiency with financial analysis, underwriting techniques, and spreadsheet software.
• Ability to manage competing priorities with strong attention to detail and accuracy.
• Ability to interpret and present financial and underwriting information clearly.
• Experience with mortgage loan databases or investment analysis software.
• Familiarity with real estate market research and portfolio reporting.

Preferred Qualifications

• Strong analytical thinking using data, financial models, and valuation techniques to support underwriting recommendations.
• Demonstrated collaboration skills working effectively with peers and cross-functional teams.
• Adaptability to shifting priorities, changing workloads, and evolving business needs.

Compensation & Benefits

• Salary Range: $52,750.00 - $77,500.00
• Annual incentive bonus plan.
• Benefits package including medical, dental, vision, and a 401(k) plan with matching company contributions.
• Generous paid time off including 11 holidays, 2 wellness days, and 8 volunteer hours annually (PTO increases with tenure).
• Paid parental leave and adoption/surrogacy assistance.
• Employee giving program that double matches donations to eligible nonprofits and schools.
• Eligibility to participate in an incentive program is subject to program and plan rules; awards depend on individual and organizational performance.
• The actual compensation will be based on a combination of education and experience, knowledge and skills, position budget, internal equity, and market data.

Location

Positions will be posted for at least 5 days from original posting date.

The employer is an Affirmative Action/Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, gender identity, sexual orientation, age, disability, or veteran status or any other condition protected by federal, state, or local law.

Except where precluded by state or federal law, qualified applicants with arrest and conviction records will be considered pursuant to the San Francisco Fair Chance Ordinance.

A drug- and alcohol-free work environment is required. A criminal background investigation and verification of employment, education, and licensing are required as a condition of employment. All employees must be bondable.