Director, Commercial Mortgage Loans

RGA Reinsurance Company Hong Kong Branch; St. Louis (MO); On-site; USD 127,000 - 189,000; Full time

Job summary

RGA Reinsurance Company Hong Kong Branch is seeking an experienced professional to evaluate commercial mortgage and real estate investments for its general account portfolio across the continental United States. You will assist with underwriting, sizing and pricing, and work with a team of underwriters, closers and real estate attorneys to close deals.

The role includes preparing submission packages for review, coordinating with brokers and borrowers, and supporting regional portfolio

Qualifications

• Bachelor's degree in Business, Business Administration, Accounting, Finance, or Real Estate.
• 7+ years of experience in commercial real estate lending or loan servicing.

Responsibilities

• Prepare detailed submission packages for MD review before submission to home office underwriters.
• Evaluate loan opportunities in regional territory based on lending criteria.
• Network with brokers, borrowers and appraisers; manage regional relationships.
• Assist with payment, tax and insurance issues; liaise between borrower and Asset Manager.
• Support loan depository and servicing activities, including post-closing items.
• Research market data and prepare reports on market trends.

Skills

Commercial lending knowledge

Real estate valuations

Loan sizing & pricing

Client relationship management

Analytical skills

Team collaboration

Underwriting concepts

Mortgage servicing understanding

Education

BA/BS in Business/Finance/Real Estate

Tools

Real estate software applications

Mortgage servicing system

Microsoft Office

Job description

You desire impactful work.

You’re RGA ready

RGA is a purpose-driven organization working to solve today’s challenges through innovation and collaboration. A Fortune 200 Company and listed among its World’s Most Admired Companies , we’re the only global reinsurance company to focus primarily on life- and health-related solutions. Join our multinational team of intelligent, motivated, and collaborative people, and help us make financial protection accessible to all.

A Brief Overview

Evaluates targeted commercial mortgage and equity real estate investments for RGA's general account portfolio via developers, borrowers, and brokers within certain geographic regions of the continental United States. Assists with the preliminary underwriting, sizing, pricing, negotiating and closing new commercial mortgage loans, prepares new loan underwriting packages and works closely with an established team of home office underwriters, analysts, closers and real estate attorneys to close new investments. Key resource in assisting Asset Management and Servicing areas with all post-closing servicing requests, collection efforts and other loan or property related items requiring information or follow up with the borrower.

What you will do

• Primary resource in preparing detailed submission packages for review by the Managing Director prior to submission to the home office underwriters for ultimate approval by the credit committee. Packages include borrower resume and financials, property operating history, rent roll, market rental and occupancy data, location information, building characteristics and demographic information. The package will also contain initial loan sizing and recommended pricing for the investment.
• Evaluates commercial loan opportunities in the regional office territory based on established lending criteria. Performs preliminary underwriting and sizing of potential investments that meet the lending criteria for review and approval by the Managing Director.
• Networks with local and regional brokers, borrowers and appraisers. Assists with management of primary regional relationships in assigned territories with borrowers, developers, mortgage bankers and brokers.
• Assists the home office servicing manager with all payment, tax and insurance related issues. Assist the asset management group with all borrower requests including loan assumptions, assignments, escrow draws, partial releases, and tenant lease related activities by acting as the liaison between the borrower and Asset Manager. Assists home office management in all special servicing related matters in the event of a loan default.
• Supports the Regional VP in maintaining relationships with borrowers, developers, mortgage bankers and brokers under by acting as the primary point of contact on all follow up items.
• Researches, reviews and analyzes market and submarket data and prepare periodic reports on market trends in the applicable markets and regional territory. Alerts management as to any negative or positive trends in the markets.
• Assists with all regional portfolio surveillance, quality ratings, annual inspections, and in the collection and analysis of annual property rent rolls and operating statements. Primary responsibility for any borrower or property related follow up items.

Qualifications

Education and Experience

Required:

• Bachelor’s Degree in Arts/Sciences (BA/BS) Bachelor’s Degree in Business, Business Administration, Accounting, Finance, Real Estate
• 7+ Years Experience in Commercial Real Estate lending or loan servicing

Preferred:

• Real Estate related software applications experience
• Experience working in an Insurance, Reinsurance, Financial Services company
• CCIM
• CFA

Skills and Abilities

Required:

• Understanding of commercial lending, real estate, servicing financial and legal concepts - Technical Skills - Intermediate Proficiency required
• Understanding of commercial loan valuations and property operating statement reviews - Qualifications Skills - Intermediate Proficiency required
• Customer service oriented; responsive to requests from internal and external customers - Behavioral Skills - Intermediate Proficiency required
• Computer skills, including Microsoft Office Products; experience with a commercial mortgage servicing system - Technical Skills - Intermediate Proficiency required
• Analytical and issues resolution skills - Technical Skills - Intermediate Proficiency required
• Work effectively in a team environment - Behavioral Skills - Intermediate Proficiency required
• Strong time management skills as well as the ability to meet deadlines - Behavioral Skills - Intermediate Proficiency required

Preferred:

• Strong oral and written communication skills - Behavioral Skills - Intermediate Proficiency preferred
• Knowledge of insurance company mortgage lending practices - Qualifications Skills - Intermediate Proficiency preferred

What you can expect from RGA:

• Gain valuable knowledge from and experience with diverse, caring colleagues around the world.
• Enjoy a respectful, welcoming environment that fosters individuality and encourages pioneering thought.
• Join the bright and creative minds of RGA, and experience vast, endless career potential.

We’re excited to get to know you and connect your unique skills with our global opportunities. To create a modern and seamless experience, we use artificial intelligence (AI) in parts of our preliminary screening process. This technology helps us personalize job recommendations, automate interview scheduling, evaluate candidates based solely on experience—without considering name, gender, or other personal details—and provide real-time answers through our chatbot. AI is used only during early screening and never makes hiring decisions. Your RGA recruiter will work closely with you every step of the way to ensure the process feels personal, thoughtful, and focused on you.

Compensation Range:
$126,710.00 - $188,840.00 Annual

Base pay varies depending on job-related knowledge, skills, experience and market location. In addition, RGA provides an annual bonus plan that includes all roles and some positions are eligible for participation in our long-term equity incentive plan. RGA also maintains a full range of health, retirement, and other employee benefits.

RGA is an equal opportunity employer. Qualified applicants will be considered without regard to race, color, age, gender identity or expression, sex, disability, veteran status, religion, national origin, or any other characteristic protected by applicable equal employment opportunity laws.