Mortgage Loan Analyst I

Standard Insurance; Portland (OR); On-site; USD 53,000 - 78,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

401(k) with company match

Bonus program

Paid time off

Job summary

The Standard is seeking a Mortgage Loan Analyst to review, underwrite, negotiate, and support mortgage transactions across originations, refinances, and actions. You’ll analyze commercial real estate, financial statements, and third‑party reports to prepare underwriting materials and support loan decisions.

You will travel annually to correspondent markets, contribute to portfolio reporting and market research, and collaborate with underwriting, investor relations, closing, and servicing teams

Qualifications

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

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

Financial analysis

Underwriting

Mortgage lending

Real estate valuation

Spreadsheet proficiency

Attention to detail

Clear communication of underwriting

Education

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

Tools

Mortgage loan databases

Investment analysis software

Excel

Job description

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.

• Travel 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 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.

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 - $77,500.00

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 affirmatively action/equal opportunity employers. All qualified applicants will receive consideration for employment without regard to race, religion, c