Private Mortgage Analyst (RL - 01292026 - FTPMA)

Position: Loan Administrator

Number of hours: 40 hours/week
Schedule: 9:00 AM – 5:00 PM EST

Overview

We are seeking a detail-oriented and analytical Loan Administrator to join our team. This role is responsible for supporting the end-to-end mortgage lifecycle, including underwriting support, funding coordination, post-closing administration, and compliance. The ideal candidate brings a strong foundation in risk analysis, documentation accuracy, and stakeholder communication, particularly within a private mortgage lending environment.

Key Responsibilities

• Evaluate mortgage applications based on private lending criteria, including the marketability of residential and commercial properties.

• Conduct risk assessments by analyzing borrower profiles, credit reports, income, assets, equity positions, financial statements, and appraisals.

• Structure mortgage deals in alignment with lending guidelines and risk tolerance.

• Prepare and issue Letters of Intent (LOIs), mortgage commitments, and related documentation, and follow up on outstanding conditions.

• Collect, verify, and validate data from multiple sources to ensure accuracy in underwriting decisions.

• Review funding packages to ensure alignment with Commitment Letters, legal requirements, and internal approvals.

• Track and manage funding conditions, including insurance, registrations, AML documentation, and third-party deliverables.

• Coordinate wire requests and fund disbursements, ensuring all internal sign-offs are completed prior to release.

• Maintain accurate and organized loan files and system records for auditing and compliance purposes.

• Complete post-closing activities, including checklists, system updates, audits, and final reporting for funded deals.

• Liaise with mortgage brokers, lawyers, appraisers, insurers, and internal teams to support smooth and timely closings.

• Ensure compliance with federal, provincial, and local mortgage lending regulations.
  Contribute to process improvement initiatives, including refining templates, checklists, trackers, and procedures.
  
  

Qualifications

• Previous experience in loan administration, mortgage underwriting, or mortgage processing, preferably within private lending.

• Strong understanding of mortgage risk analysis principles, including creditworthiness, LTV ratios, and property valuation.

• Proficiency in MS Office (Office 365), Outlook, OneDrive, DocuSign, and Google Drive.

• Strong data entry, validation, and reconciliation skills across multiple systems.

• Excellent written and verbal English communication skills, with the ability to communicate professionally with internal and external stakeholders.

• Highly organized and process-driven, with exceptional attention to detail where accuracy is prioritized over speed.

• Strong negotiation and conflict-resolution skills.

• Ability to work effectively under pressure, manage high-volume workloads, and meet strict timelines.

• Adaptable, reliable, and able to work independently once trained.

• Willingness to learn and apply private mortgage lending concepts and regulatory requirements.

Other Requirements

• Comfortable working in a Windows-based PC environment.

• Ability to manage multiple files simultaneously in a structured and methodical manner.

• Strong service orientation with a focus on relationship management and service excellence.

• Reliable, accountable work style suited for roles requiring precision, compliance, and documentation accuracy.