Commercial Insurance Analyst

About the role

The Commercial Insurance Analyst is responsible for reviewing, analyzing, and ensuring the adequacy of property and casualty insurance coverage on commercial real estate loans. This role serves as the primary point of contact for insurance-related compliance matters, working directly with borrowers, insurance agents, and brokers to cure deficiencies and bring coverage into full compliance with loan agreement requirements and applicable GSE (Fannie Mae, Freddie Mac) or investor guidelines — enabling loans to rate lock and close on schedule.

Responsibilities

• Review and analyze ACORD certificates, declarations pages, and full insurance policies for commercial properties securing mortgage loans
• Assess compliance against loan agreement requirements, GSE program guides (Fannie Mae Multifamily Selling & Servicing Guide, Freddie Mac Multifamily Seller/Servicer Guide), and applicable investor standards
• Evaluate coverage types including property (all-risk/special form), general liability, flood (NFIP/private), wind/named storm, earthquake, terrorism (TRIA), workers' compensation, umbrella/excess, and loss of income/rents
• Validate replacement cost value (RCV), insured-to-value (ITV) ratios, deductible limits, and loss of income coverage periods against loan documentation
• Identify and document insurance deficiencies, gaps, or non-compliance issues and initiate resolution workflows
• Serve as the primary liaison between the lending team, borrowers, and insurance agents/brokers to resolve coverage deficiencies