Commercial Real Estate Underwriting Analyst

You desire impactful work.
 

You’re RGA ready

RGA is a purpose-driven organization working to solve today’s challenges through innovation and collaboration. A Fortune 200 Company and listed among its World’s Most Admired Companies, we’re the only global reinsurance company to focus primarily on life- and health-related solutions. Join our multinational team of intelligent, motivated, and collaborative people, and help us make financial protection accessible to all.

A Brief Overview

Provides high-quality, value-added and timely pre and post-closing services to Real Estate Underwriting associates, Real Estate attorneys, Closing associates, and RGA’s Regional Real Estate Offices.  Pre-closing activities rent roll and operating expense analysis, initial loan setup in PLM, review of property leases, borrower organizational documents, and review and analysis of real estate market data.   Post-closing activities include working with real estate asset management, closing, and servicing to communicate specific loan terms and enable efficient processing of borrower requests. Pre and post-closing activities are extremely time sensitive to meet deadlines for loan closings as well as posting collateral with the FHLB. 

What you will do

• Assist in the preparation of credit presentations under the guidance and direction of Director(s) of Underwriting. Support the development of recommendations by compiling information related to the real estate securing the loan, property income characteristics, market and submarket conditions, and transaction economics.
• Assist with property inspections and support the development of market analyses, rent and sales comparable analyses, major tenant analyses, borrower analyses, and lease reviews for inclusion in Underwriter credit presentations.
• Assist in reviewing and summarizing appraisals, property condition reports, environmental reports, leases, rent rolls, operating statements, borrower organizational documents, and tenant and borrower financial statements to help identify potential risks associated with new commercial mortgage loan investments.
• Support the Director(s) of Underwriting in coordinating with closers and internal and external legal counsel to help ensure loans meet regulatory requirements and are closed in accordance with approved terms.
• Assist underwriters and closers in maintaining loan production data for loans in process, including yield and credit characteristics, and support reporting provided to the Director(s) of Underwriting and other members of the CML team.
• Assist in the development of loan ratings by compiling and analyzing credit characteristics of new loans to support evaluation of potential losses and appropriate market values.
• Act as a liaison between Asset Management and Underwriting to review the Asset Managers annual quality ratings and compare them to initial underwriting for a selected number of loans.
• Perform data entry and assist with quality control reviews of mortgage loan data maintained in RGA’s Loan Management System. Work with underwriters, closers, and servicing staff to help ensure data accurately reflects the underwriting characteristics of each new loan.
• Assist in producing and maintaining loan production reports and coordinate with the information technology department as needed.
• Support the Director(s) of Underwriting in evaluating the credit quality of commercial mortgage loan portfolios under consideration for purchase in connection with potential future reinsurance business for RGA.

Qualifications

Education and Experience

Required:

• BS in business, economics, finance or equivalent experience
• 3+ years of investment-related or commercial real estate experience

OR

• Master’s, MBA

Preferred: 

• Masters in Business Administration, Real Estate, or Finance
• CFA or CCIM Designation
• Prior experience analyzing CMBS or other Real-Estate related structured securities
• Prior experience managing in investment management for insurance client assets

Skills and Abilities

Required:

• Technical knowledge of commercial mortgages including loan transactions and pre- and post-close documentation; strong attention to detail and extreme accuracy
• Experience in commercial loan originations and solid relationships with correspondents
• Demonstrated ability to work independently as well as with others
• Well-developed interpersonal skills
• Advanced knowledge of legal terminology, concepts, practices, and procedures
• Advanced oral and written communication skills demonstrating ability to share and transfer knowledge
• Advanced ability to deliver excellent client service
• Intermediate investigative, analytical and problem solving skills
• Intermediate people management skills, demonstrating the ability to lead, mentor and develop associates, including the ability to delegate key areas of responsibility
• Ability to be flexible when needed, take initiative, and demonstrate accountability
• Ability to quickly adapt to new methods, work under tight deadlines and stressful conditions
• Ability to set goals and handle multiple tasks, clients, and projects simultaneously
• Ability to appropriately balance priorities and deadlines with the need to deliver detailed, high-quality and accurate work that is consistent with departmental standards
• Ability to work well within a team environment and participate in department/team projects
• Ability to translate business needs and problems into viable/accepted solutions that add value to clients

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What you can expect from RGA:

• Gain valuable knowledge from and experience with diverse, caring colleagues around the world.

• Enjoy a respectful, welcoming environment that fosters individuality and encourages pioneering thought.

• Join the bright and creative minds of RGA, and experience vast, endless career potential.

We’re excited to get to know you and connect your unique skills with our global opportunities. To create a modern and seamless experience, we use artificial intelligence (AI) in parts of our preliminary screening process. This technology helps us personalize job recommendations, automate interview scheduling, evaluate candidates based solely on experience—without considering name, gender, or other personal details—and provide real-time answers through our chatbot. AI is used only during early screening and never makes hiring decisions. Your RGA recruiter will work closely with you every step of the way to ensure the process feels personal, thoughtful, and focused on you.

Compensation Range:

$78,080.00 - $110,860.00 Annual

Base pay varies depending on job-related knowledge, skills, experience and market location. In addition, RGA provides an annual bonus plan that includes all roles and some positions are eligible for participation in our long-term equity incentive plan. RGA also maintains a full range of health, retirement, and other employee benefits.

RGA is an equal opportunity employer. Qualified applicants will be considered without regard to race, color, age, gender identity or expression, sex, disability, veteran status, religion, national origin, or any other characteristic protected by applicable equal employment opportunity laws.