Mortgage Loan Analyst I

SMI StanCorp Mtg Investors LLC - 6100; Hillsboro (OR); On-site; USD 53,000 - 78,000; Full time

Benefits offered by this job

Medical, dental, vision

401(k) plan with company match

Annual incentive bonus

Paid time off and holidays

Job summary

The Standard is seeking a Mortgage Loan Analyst to review, underwrite, negotiate, and recommend mortgage loan transactions across originations, refinances, and administrative actions. This role evaluates commercial real estate and analyzes financial statements to support loan origination, investor relations, closing, and servicing.

The position also contributes to portfolio reporting, market research, and cross‑department workflow to ensure efficient loan operations.

Qualifications

• Bachelor's degree in real estate, finance, accounting, or related field.
• 2+ years of commercial mortgage lending, real estate investment, or related experience.
• Knowledge of mortgage lending practices, legal documents, and real estate valuation.
• Proficient in financial analysis, underwriting techniques, and spreadsheets.
• Ability to manage competing priorities with attention to detail and accuracy.
• Ability to present financial and underwriting information clearly.
• Experience with mortgage loan databases or investment analysis software.
• Familiar with real estate market research and portfolio reporting.

Responsibilities

• Review, underwrite, negotiate, and recommend new loan originations and refinances within guidelines.
• Analyze borrower and tenant financials, structures, and third-party reports.
• Prepare underwriting spreadsheets, commitment letters, and documentation for extensions, 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.

Skills

Financial analysis

Underwriting techniques

Spreadsheet software

Prioritization & multitasking

Communicating financial information

Real estate market research

Portfolio reporting

Mortgage lending knowledge

Legal documentation knowledge

Real estate valuation concepts

Education

Bachelor's degree in real estate, finance, accounting, or related field

Tools

Mortgage loan databases

Investment analysis software

Job description

Job Summary

The Mortgage Loan Analyst is responsible for reviewing, underwriting, negotiating, and recommending mortgage loan transactions across new originations, refinances, and administrative actions. This role 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 position also contributes to portfolio reporting, market research, and cross‑department workflow to ensure efficient loan operations.

Key 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.

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

Skills and Background

• Education: Bachelor's degree in real estate, finance, accounting, or a related field.
• Experience: 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.

Key Behaviors of a Successful Candidate

• Analytical Thinking: Uses data, financial models, and valuation techniques to make sound underwriting recommendations.
• Collaboration: Works effectively with peers and cross‑functional teams to support loan origination and servicing activities.
• Adaptability: Adjusts quickly to changing priorities, shifting workloads, and evolving business needs.

Why Join The Standard?

We have built an enduring legacy of stability, financial strength and exceptional customer service through the contributions of the service‑oriented people who choose to work at The Standard. To ensure we can attract and retain the best talent, when you join The Standard you can expect:

• A rich benefits package including medical, dental, vision and a 401(k) plan with matching company contributions.
• An annual incentive bonus plan.
• Generous paid time off including 11 holidays, 2 wellness days, and 8 volunteer hours annually — PTO increases with tenure.
• A supportive, responsive management approach and opportunities for career growth and advancement.
• Paid parental leave and adoption/surrogacy assistance.
• An employee giving program that double matches your donations to eligible nonprofits and schools.
• In addition to the competitive salary range below, our employee‑focused benefits support work‑life balance.

Learn more about working at The Standard.

Eligibility to participate in an incentive program is subject to the rules governing the program and plan. Any award depends on a variety of factors including individual and organizational performance.

Salary Range: $52,750.00 - $77,500.00 Positions will be posted for at least 5 days from original posting date.

Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, Inc., StanCorp Mortgage Investors, LLC, StanCorp Investment Advisers, Inc., and American Heritage Life Insurance Company and American Heritage Service Company, marketed as The Standard, are affirmative action/equal opportunity employers. 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, The Standard will consider for employment qualified applicants with arrest and conviction records pursuant to the San Francisco Fair Chance Ordinance.

The Standard offers a drug‑and alcohol‑free work environment where possession, manufacture, transfer, offering, use of or being impaired by an illegal substance while on The Standard's property, or in other cases which the company believes might affect operations, safety or reputation of the company is prohibited. The Standard requires a criminal background investigation and employment, education and licensing verification as a condition of employment. After any conditional offer of employment is made, the background check will include an individualized assessment based on the applicant’s specific record and the duties and requirements of the specific job. Applicants will be provided an opportunity to explain and correct background information. All employees of The Standard must be bondable.

The Standard is a family of companies dedicated to helping its customers achieve financial well‑being and peace of mind. In business since 1906, we’re a leading provider of group and individual disability insurance, group life, dental and vision insurance, voluntary (employee‑paid) benefits, absence management services, and retirement plans and annuities for employers and individuals.

For more information about The Standard, visit www.standard.com or follow us on LinkedIn and Instagram.