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 .