Commercial Insurance Analyst

Accenture•Raleigh, NC

1d•$20 - $48•Remote

About The Position

The Commercial Insurance Analyst is responsible for reviewing, analyzing, and ensuring 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 directly with borrowers, insurance agents, and brokers to cure deficiencies and bring coverage into full compliance with loan agreement requirements and applicable GSE (Fannie Mae, Freddie Mac) or investor guidelines — enabling loans to rate lock and close on schedule.

Requirements

Minimum of 2 years’ experience in commercial real estate insurance review, mortgage loan servicing, or insurance compliance.
Proficiency in Microsoft Office Suite, particularly Excel, Word, and Outlook
Excellent written and verbal communication skills; ability to communicate complex insurance requirements to non-specialist stakeholders

Nice To Haves

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, organizational skills, and ability to manage a high-volume workload under deadline pressure
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 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, and 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
Serve as the primary liaison between the lending team, borrowers, and insurance agents/brokers to resolve coverage deficiencies
Communicate deficiency requirements clearly and professionally, providing specific guidance on required changes to bring policies into compliance
Track outstanding items and follow up proactively to ensure 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