Commercial Insurance Analyst
About The Position
The Commercial Insurance Analyst reviews, analyzes, and ensures the adequacy of property and casualty insurance coverage for commercial real estate loans. The analyst is the primary contact for insurance-related compliance, working with borrowers, insurance agents, and brokers to resolve deficiencies and bring coverage into compliance with loan agreements and applicable GSE or investor guidelines so loans can rate lock and close on schedule. The position reviews insurance documents and evaluates coverage, values, deductibles, and loss-of-income periods against loan documentation and program requirements. It also involves communicating required corrections, tracking outstanding items, and escalating unresolved or complex compliance issues. The required shift is 10 a.m.–7 p.m. EST.
Requirements
- At least 2 years of experience in commercial real estate insurance review, mortgage loan servicing, or insurance compliance.
- Ability to work a 10 a.m.–7 p.m. EST shift.
Nice To Haves
- Working knowledge of FHA, Fannie Mae, and/or Freddie Mac multifamily servicing and insurance requirements.
- 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 explain 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.
Responsibilities
- Review and analyze ACORD certificates, declarations pages, and full insurance policies for commercial properties securing mortgage loans.
- Assess insurance compliance against loan agreement requirements, GSE program guides, and applicable investor standards.
- Evaluate property, general liability, flood, wind or named storm, earthquake, terrorism, workers’ compensation, umbrella or excess, and loss-of-income or rents coverage.
- Validate replacement cost value, insured-to-value ratios, deductible limits, and loss-of-income coverage periods against loan documentation.
- Identify and document insurance deficiencies, coverage gaps, or non-compliance issues and initiate resolution workflows.
- Serve as the primary liaison between the lending team, borrowers, and insurance agents or brokers to resolve coverage deficiencies.
- Explain deficiency requirements and provide guidance on changes needed to bring policies into compliance.
- Track outstanding items and proactively follow up to ensure resolution before loan closing or policy renewal deadlines.
- Escalate unresolved or complex non-compliance issues to senior analysts or management with recommended resolution paths.
Benefits
- Medical coverage
- Dental coverage
- Vision coverage
- Life coverage
- Long-term disability coverage
- 401(k) plan
- Bonus opportunities
- Paid holidays
- Paid time off
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
