Senior Insurance Lending Consultant

PRA Baltimore-PRA; Baltimore (MD); Remote; USD 140,000 - 210,000; Full time

Job summary

Hilb Group is seeking a Consulting Director for its Parallel Risk Advisors practice to lead CRE insurance and lender consulting initiatives. You will manage client relationships, review loan documents for insurance compliance, and coordinate with brokers and carriers to close gaps.

The role requires deep knowledge of CRE coverage types and a track record in high-stakes negotiations, with the ability to guide a senior technical team and drive process improvements.

Qualifications

• Bachelor’s degree required; relevant professional designations preferred.
• 8–15+ years of CRE insurance, lender consulting/insurance compliance review, or CRE risk management experience.
• Strong command of CRE coverage (property, general liability, umbrella/excess, builder’s risk, OCIP/CCIP, flood, pollution), and debt fund requirements.
• Excellent written and verbal communication; ability to present complex insurance concepts clearly to clients.
• Ability to own client relationships independently and negotiate with borrowers and brokers under closing pressure.

Responsibilities

• Review insurance provisions in loan agreements and related documents; extract and interpret requirements.
• Review evidences of insurance and related documents for compliance with loan terms.
• Prepare and issue insurance reports, including compliance memos and schedule mappings.
• Manage open items tracking through closing and post-closing deliverables.
• Serve as day-to-day point of contact for lenders and investors; negotiate with borrowers and brokers to close gaps.
• Incorporate AI and workflow automation to improve lender consulting processes.

Skills

CRE insurance

Lender consulting

Compliance review

Client relationships

Negotiation

Communication

Education

Bachelor’s degree

CPCU

ARM

CRIS

Job description

Grow With Us! At Hilb Group, we recognize that our associates are our greatest asset. We promote a service-driven culture of high performance that encourages career and professional development. The Hilb Group is currently seeking a Consulting Director to join our team.

Parallel Risk Advisors is a boutique commercial real estate focused insurance brokerage and risk management practice within The Hilb Group. Our Lender Consulting practice provides transactional insurance advisory and compliance services to national and global investment firms across both debt and equity deals. The practice is trusted by agency seller/servicers, balance sheet lenders, and debt funds who value review that goes beyond box checking.

Looking in the NY or Baltimore, MD area, but are open to remote or hybrid schedules for the right candidate.

Key Responsibilities

• Review insurance provisions in loan agreements and related transaction documents; extract and interpret the applicable insurance requirements for each deal.
• Review evidences of insurance, evidence of property coverage, certificates of liability insurance, coverage proposals, policy forms, schedules of values, and other insurance documentation against loan requirements to confirm coverage compliance.
• Prepare and issue the insurance reports, including the insurance compliance memo, carrier rating schedule, statement of values, flood zone determinations and mapping, premium/paid receipt documentation, and the loan agreement insurance requirements exhibit.
• Manage open items tracking through closing and handle any post-closing deliverables.

Client & Broker Relationships

Serve as the day to day point of contact for assigned lender and investor clients and their deal teams. Negotiate directly with borrowers, their brokers, and carriers to close compliance gaps. Field substantive coverage questions from clients (for example, requests for coverage accommodations) providing recommendations in accordance with client standards and in accordance with clients’ business goals. Coordinate specialized partners, such as environmental consultants, when a transaction warrants.

Technical Depth

Apply working command of insurance requirements for balance sheet, CMBS, and debt fund lenders. Handle the full range of CRE asset types and structures, including multifamily, industrial, retail, hospitality, self-storage, construction projects, and CPACE financed transactions. Evaluate blanket versus scheduled limits, aggregate loss limits, aggregate deductible funds, captives and risk purchasing/retention groups, and premium financing arrangements.

Team Support & Knowledge Sharing

Act as a technical escalation point for other team members; review their work and coach on judgment calls rather than checklist compliance. Share coverage insights and lessons learned with Hilb’s commercial brokerage team so the firm operates as one integrated CRE advisory platform. Contribute to training materials and teaching sessions built on real deals and real claims.

Operational Innovation

Participate in the practice's integration of AI and workflow automation into lender consulting (compliance memo drafting, requirement extraction, open-items tracking, and data aggregation).

Qualifications

• 8 –15+ years of experience in commercial real estate insurance, lender consulting/insurance compliance review, or CRE risk management, with substantial hands‑on transactional experience.
• Demonstrated command of CRE coverage, including property, general liability, umbrella/excess, builder's risk, OCIP/CCIP, flood, pollution/environmental and debt fund insurance requirements.
• Proven ability to own client relationships independently and to negotiate constructively with borrowers and brokers under closing pressure.
• Exceptional written and verbal communication skills; ongoing verbal communication with clients to demonstrate insurance’s impact on business goals and the ultimate deliverables in this role are written work product that clients rely on.
• Bachelor’s degree required; relevant designations (CPCU, ARM, CRIS) and active P&C or Advisor’s license strongly preferred.
• Comfort with a small, scrappy, collaborative team and with contributing to process improvement rather than inheriting a finished playbook.

Competitive compensation commensurate with a senior technical consulting role, including base salary, incentive compensation, and full Hilb Group benefits.

Founded in 2009, Hilb Group is a Top 25 middle‑market independent insurance broker. Hilb Group offers expertise in property & casualty, employee benefits, human resources consulting, and retirement services to businesses and individuals throughout the nation. Hilb Group provides the resources of a big insurance broker and the attentive, personal service of a small agency. Our people are our greatest strength. Our values of trust, passion, integrity, and growth drive our actions to benefit every client.