Mortgage Loan Analyst I

Standard; Portland (OR); Remote; USD 53,000 - 78,000; Full time

Benefits offered by this job

Medical, dental, vision

401(k) plan with company contributions

Paid time off and holidays

Wellness days

Volunteer hours

Parental leave

Job summary

The Standard is seeking a Mortgage Loan Analyst I to review, underwrite, and negotiate mortgage loan transactions across originations, refinances, and administrative actions. You will analyze financials, review third-party reports, and prepare underwriting materials to support loan origination, investor relations, closing, and servicing.

This role requires traveling once a year to correspondent markets, working remotely within the USA and Portland, OR, and collaborating across underwriting,

Qualifications

• Bachelor's degree in real estate, finance, accounting or related field.
• 2+ years of experience in commercial mortgage lending or real estate investment.
• Proficiency in financial analysis and underwriting techniques.

Responsibilities

• Review, underwrite, negotiate, and recommend new loan originations and refinances within guidelines.
• Analyze borrower and tenant financials and third-party reports.
• Prepare underwriting materials and documentation for loan actions.
• Support communication between underwriting, investor relations, closing, and servicing teams.
• Develop portfolio reports and market research to inform loan decisions.
• Conduct property site inspections and support local market teams.

Skills

Financial analysis

Underwriting

Attention to detail

Communication

Excel

Education

Bachelor's degree in real estate, finance, accounting

Tools

Excel

Mortgage databases

Job description

Mortgage Loan Analyst I### Mortgage Loan Analyst IApply: Remote (USA): Portland, OR: Full time: Posted Yesterday: REQ007172**The next part of your journey is right around the corner — with The Standard.**A genuine desire to make a difference in the lives of others is the foundation for everything we do. With a customer-first mindset and an intentional focus on building strong teams, we’ve been able to uphold our legacy of financial stability while investing in new, innovative technologies that support the needs of our customers. Our high-performance culture focused on operational excellence thrives thanks to remarkable people united by compassion and a customer-first commitment. Are you ready to make a difference?**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. ***\\**** ***This role requires traveling once a year to correspondent markets in partnership with an Underwriter or Manager.*** **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. **Skills and Background You’ll Need** **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 schoolsIn 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.*The actual compensation for this role will be based on a combination of education and experience, knowledge and skills, position budget, internal equity, and market data.Salary Range:$52,750.00 - $77,500.00Positions 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, offer, 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.