Lender Consultant

FHS Risk; New York (NY); Hybrid; USD 110,000 - 150,000; Full time

Benefits offered by this job

Health insurance

401(k)

Paid time off

Job summary

FHS Risk is an independent insurance and risk management advisory firm seeking experienced insurance professionals for a hybrid role in Midtown Manhattan. You will collaborate with risk consultants on insurance diligence for CRE and construction finance transactions, supporting institutional lenders and borrowers on complex originations.

The ideal candidate has 4+ years in commercial insurance (construction/real estate/hospitality), holds an active P&C license, and excels in communicating

Qualifications

• 4+ years of commercial insurance experience in construction, real estate, or hospitality.
• Active Property & Casualty Insurance License required.
• Experience with insurance diligence or debt financing transactions is a plus.
• Strong written and verbal communication skills.
• Excellent organizational skills and ability to manage multiple active deals simultaneously.
• Highly proficient in Microsoft Office — Excel, Word, and PowerPoint.

Responsibilities

• Analysis of collateral to develop detailed, deal-specific insurance requirements across CRE asset classes and construction programs based on geography.
• In-depth review of borrowers’ proposed insurance programs, identifying coverage gaps and communicating findings clearly to lenders and clients
• Review and negotiation of requirements within loan covenants and risk transfer agreements to ensure proper protection of collateral and lender interests
• Assessment of market conditions to contextualize proposed insurance terms and provide lender a risk analysis of the proposed terms and conditions against market standards and asset / project risk management needs
• Preparation and delivery of detailed executive summary reports and client-facing deal deliverables
• Manage deal pipeline and client status reporting, tracking open issues through to resolution

Skills

Commercial insurance

Real estate insurance

Construction insurance

Hospitality insurance

Communication

Time management

Tools

Microsoft Excel

Microsoft Word

PowerPoint

Job description

FHS Risk is an independent insurance and risk management advisory firm specializing in commercial real estate and construction. We partner with lenders, borrowers, and institutional clients to deliver expert insurance diligence across complex finance transactions — acting as a trusted extension of our clients’ organizations on every deal.

Our team brings expertise across CRE asset classes, construction programs, and debt financing structures. We are a firm where experienced consultants handle sophisticated work, and where your judgment and commitment to our clients matters from day one.

The Opportunity

FHS Risk is seeking experienced insurance professionals to join our team in a hybrid capacity — three days per week in our Midtown Manhattan office. You will work alongside our risk consultants and principals on insurance diligence for commercial real estate and construction finance transactions, serving institutional lenders and their borrowers on complex originations.

Responsibilities

Responsibilities include, but are not limited to:

• Analysis of collateral to develop detailed, deal-specific insurance requirements across commercial real estate asset classes and construction programs based on geography. Asset class, and lender’s risk appetite.
• In-depth review of borrowers’ proposed insurance programs, identifying coverage gaps and communicating findings clearly to lenders and clients
• Review and negotiation of requirements within loan covenants and risk transfer agreements to ensure proper protection of collateral and lender interests
• Assessment of market conditions to contextualize proposed insurance terms and provide lender a risk analysis of the proposed terms and conditions against market standards and asset / project risk management needs
• Preparation and delivery of detailed executive summary reports and client-facing deal deliverables
• Manage deal pipeline and client status reporting, tracking open issues through to resolution

Qualifications

• 4+ years of commercial insurance experience required in the following areas: Construction, real estate, or hospitality
• Experience with insurance diligence or debt financing transactions a plus
• Active Property & Casualty Insurance License required
• Strong written and verbal communication skills
• Excellent organizational skills and ability to manage multiple active deals simultaneously
• Highly proficient in Microsoft Office — Excel, Word, and PowerPoint

Why FHS Risk

At FHS Risk, we invest in our people. You’ll have access to senior mentorship, exposure to a wide range of deal structures and asset types, and a clear path to growing your role within the firm. Our culture is collaborative, professional, and built around delivering strong, dependable results for our clients.

$110,000 – $150,000 per year, commensurate with experience

Benefits: Health insurance, 401(k), paid time off

• 401(k)
• Health insurance
• Paid time off

Schedule: Hybrid – 3 days in-office per week, Midtown Manhattan (10022)

Relocation: Candidates must be able to commute to or relocate to New York, NY 10022 prior to start date

Job Type: Full-time

Ability to Commute:

• New York, NY 10022 (Required)

Ability to Relocate:

• New York, NY 10022: Relocate before starting work (Required)

Work Location: Hybrid remote in New York, NY 10022