Senior Investment Analyst Commercial Mortgage Loan

When you join the team at Unum, you become part of an organization committed to helping you thrive.

Benefits

Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:

• Award-winning culture
• Inclusion and diversity as a priority
• Performance Based Incentive Plans
• Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
• Generous PTO (including paid time to volunteer!)
• Up to 9.5% 401(k) employer contribution
• Mental health support
• Career advancement opportunities
• Student loan repayment options
• Tuition reimbursement
• Flexible work environments
• All the benefits listed above are subject to the terms of their individual Plans.
  
  

And that’s just the beginning…

With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!

General Summary

This role is a technical specialist in CML investing and supports the production and management of commercial mortgage loan investments. Responsibilities vary by analyst and include independently: (a) reviewing loan submission packages, researching/ analyzing market data, and underwriting mortgage loans; (b) preparing loan applications (c) closing loans and allocating work among analysts; (d) reviewing and valuing loans in the portfolio; (e) actively managing the mortgage loan portfolio; and (f) managing the REO and equity portfolio. A senior investment analyst’s responsibilities may include reporting, management and training of more junior analysts. Will serve on and lead special projects and/or reporting functions.

This role will be expected to train, mentor, coach and develop lower level CML analysts.

Principal Duties And Responsibilities

• Serve as a team lead to other analysts by monitoring pipeline of new loan applications to allocate loan closings and distribute workload among the team.
• Support VP and Investment Officer(s) with in-depth market research, initial loan submission and underwriting analysis
• Coordinate and manage closing process of new loans including draft preparation of loan applications, collection of fees, review of non-legal documents, lease and financial analysis, timely data input and effective communication with internal and external clients.
• Manage existing mortgage loan portfolio including analysis of loan documents, loan valuations, lease analysis and recommendations, additional collateral reserve accounts and other asset management issues.
• Independent analysis of annual property operating statements and revaluation of individual loans.
• Monitor loan defaults and problem loans including coordination of third-party reports, assistance in preparation/negotiation of management, leasing and listing agreements with third party firms, rent/payment collection, and internal loan reporting.
• Assist in management of owned investment real estate properties to maximize returns in leasing, budgeting, operations and sales, working closely with local third-party property managers.
• Stay up to date on external commercial real estate trends and routinely share findings with the team to contribute to ongoing development of other analysts.
• Preparation of monthly, quarterly, annual and ad-hoc portfolio reporting for various internal and external purposes (the latter of which includes MBA, audit, CREF, FHLB, CECL, special projects).
• Administration of loan and real estate management systems, including training, reporting, process review/improvements, testing/coordination of annual upgrades with internal resources and external vendors.
• Back up for team members.
• Assist other investment areas with related real estate issues, as needed.
• May perform other duties as assigned.
  
  

Job Specifications

• BA or BS in business, finance or related field
• 4 years minimum experience in the commercial real estate and commercial mortgage industry
• Strong computer/technology skills including Word, Excel, Argus and Crystal Reports; ability to learn new software
• Ability to work independently within a team-oriented environment
• Strong written and verbal communication and math skills
• Strong financial management experience/ability
• Strong independent analysis/decision making ability
• Ability to effectively coach and mentor others
  
  

Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.

Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.

The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.

$73,300.00-$150,500.00

Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.

Company

Unum