Sr. Insurance Analyst

Role Responsibilities

• Independently manage and review a portfolio of loans with varying complexity, including Real Estate, Commercial, and SBA loans, analyzing annual insurance renewal documents.
• Exercise professional judgment to independently resolve the majority of issues within assigned portfolios, escalating high-risk, complex, or non-routine situations as needed.
• Evaluate insurance policies for compliance with loan documents, servicing agreements, and investor guidelines, interpreting requirements and applying them to non-standard scenarios.
• Identify insurance deficiencies and proactively resolve issues directly with insurance agents, borrowers, and internal stakeholders, escalating only high-risk or exceptional matters.
• Monitor cancellation notices and take independent action to ensure continuous insurance coverage is maintained across the portfolio.
• Review insurance documentation for new loan originations and resolve compliance issues prior to closing, coordinating with relevant stakeholders as needed.
• Maintain accurate and complete insurance data within McCracken and other internal systems, ensuring data integrity across assigned portfolios.
• Support audits, loan sales, and special projects, independently handling assigned components and contributing insights.
• Participate in cross-training and departmental initiatives to strengthen team capability and coverage.
• Identify, recommend, and help implement workflow and process improvements based on day-to-day observations.
• Complete all required compliance and cybersecurity training.

Minimum Qualifications

• 4–6 years of experience in property and casualty insurance, preferably within a lending or financial services environment.
• Demonstrated experience supporting commercial real estate loans or related assets, with a solid understanding of loan structures and insurance requirements.
• Promoted ability to work independently, manage multiple priorities, and handle a portfolio of varying complexity.
• Strong analytical, organizational, and communication skills, with the ability to interpret guidelines and apply sound judgment in resolving issues.
• Proficiency using loan servicing systems (e.g., McCracken/Strategy) to manage insurance data, track compliance, and support portfolio-level activities is expected.
• Demonstrates ownership of moderately complex issues, resolves escalations effectively, works proactively, and supports team members through mentoring and guidance.

Education

• A high school diploma or GED required.
• An associate degree or bachelor’s degree preferred, particularly in Business, Finance, Insurance, Risk Management, Real Estate, or a related field.

Licenses/Certifications

• Relevant coursework, training, or progress toward professional designations in the following areas is preferred:
• Associate in General Insurance (AINS) or similar foundational insurance coursework
• Mortgage Bankers Association (MBA) or Real Estate Finance programs
• Federal Emergency Management Agency (FEMA) and/or National Flood Insurance Program (NFIP) flood insurance training
• Insurance, risk management, or compliance coursework (e.g., via The Institutes)