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Freddie Mac

Remote Jobs

We're on a mission to make home possible for homebuyers and renters across the U.S.

16 open rolesTeam 5001,10000Since 1970H1B No SponsorLatest: Jun 17, 2026, 12:00 AM UTCCompany SiteLinkedIn
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16 Jobs

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Multifamily Production Associate

Freddie Mac

We're on a mission to make home possible for homebuyers and renters across the U.S.

Analyst27 days ago
Full TimeRemoteMid LevelTeam 5,001-10,000Since 1970H1B No Sponsor

Role Description At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Must be located in the NYC metro area and understand that this is a fully remote opportunity. If you are a smart, motivated and intellectually driven professional with a passion for commercial real estate (CRE) and finance, Freddie Mac Multifamily is the employer for you! The nation’s greatest and most innovative secondary market Multifamily mortgage lender and issuer of securitized fixed-income with an annual platform exceeding $75 billion is looking to add a Production Associate to the Northeast Region team. Apply now to contribute to our mission of Making Home Possible! Our Impact: From rehab to value-add, lease-up, construction take-out, pre-stabilized and stabilized, Freddie Mac Multifamily offers financing that spans the commercial real estate life-cycle and the spectrum of multifamily property types including: - Class-A mixed-use multi-tenant high-rises in urban cores - Conventional garden-style assets in suburban infill - Dedicated student housing properties at leading educational institutions - Manufactured housing communities (MHCs) across rural America Your Impact: The Production Associate will be fully remote but must live in the NYC metro area with the ability to meet with the team easily. Reporting to one of the Region’s Managers or Directors, the hired candidates will work on one of many deal teams and will be responsible for assisting the team’s Producer and Associates in evaluating, structuring, and quoting new debt opportunities. If you are an analytical team player who is interested in helping create, preserve and improve multifamily housing, please submit your application to join our exciting and dynamic organization. Your work is largely categorized in two ways: Analysis - High-volume deal review for new financing opportunities, including preliminary review of deals before quote and anticipating and solving problems through Rate Lock timeline - Due diligence, which includes examination of comp sets, internal and external market data, and cash flow analysis - Pipeline management through daily system updates Communication and Collaboration - Collaborative engagement with underwriting team to negotiate and analyze each transaction within Freddie Mac’s Credit Policy and Underwriting Guide - Additional reporting and macro-data analysis, which may include special projects and/or pre-travel preparation - Interact with Production Team Lead and external customers to ensure efficient deal processing and competitive results Qualifications - Bachelor’s Degree in Real Estate, Finance, Economics, Business Administration, or related field - 0 to 2 years of professional experience - Demonstrated proficiency with Microsoft Excel and Word - Strong written and verbal communication skills - Proven interest in a commercial real estate career - Position will require future travel - Military and/or service industry experience is a plus Requirements - Refined multi-tasking/prioritization skills - Positive attitude, even under pressure - Strong interpersonal skills and work ethic - Attention to detail - Team player mentality Benefits - Comprehensive total rewards package - Competitive compensation - Market-leading benefit programs - Annualized market-based salary range of $99,000 - $149,000 - Eligible to participate in the annual incentive program

United States
$99K - $149K / year
Job Closed
Freddie Mac logo

Multifamily Production Analyst

Freddie Mac

We're on a mission to make home possible for homebuyers and renters across the U.S.

Analyst77 days ago
Full TimeRemoteSeniorTeam 5,001-10,000Since 1970H1B No Sponsor

• Support and assist the Production Team in the origination and structuring of permanent financing and/or recapitalization for commercial properties • Conduct property inspections, perform preliminary sizing of deals according to Freddie Mac’s credit policies, and oversee the quoting and deal structuring process • Collaborate with the underwriting group to negotiate transaction terms and ensure clear communication and seamless execution • Assist with deal management through the rate lock and be involved as necessary as issues arise during the underwriting, commitment, and closing process

New York
$74K - $110K / year
Job Closed
Freddie Mac logo

Senior Red Team Operator

Freddie Mac

We're on a mission to make home possible for homebuyers and renters across the U.S.

QA Engineer78 days ago
Full TimeRemoteSeniorTeam 5,001-10,000Since 1970H1B No Sponsor

Role Description We’re looking for an Offensive Security Engineer who excels at navigating ambiguity, uncovering weaknesses, and engineering solutions that elevate our security posture. You’ll combine technical ingenuity with practical problem-solving, developing automation, tools, and methods that drive meaningful risk reduction. Freddie Mac's Information Security team is responsible for continuously testing the overall strength of our organization’s defenses (across all people, process, & technology) by simulating the objectives and actions of an attacker. In this role, you will contribute to a collaborative team as a subject matter expert focusing on advanced offensive security. You will design and implement AI-powered security tools, proactively address vulnerabilities, and champion secure engineering practices across the organization. Qualifications - 8+ years of relevant experience - Proven ability to critically examine applications and identify, exploit, and remediate complex vulnerabilities - Proven ability to create automation workflows that scale to enterprise environments - Demonstrated expertise in bypassing modern defensive controls and security measures to achieve assessment objectives - Demonstrate proficiency in chosen domain using public research, personal blog, active projects, bug bounty, and public disclosures - Must be willing to work east coast hours Requirements - Applications should bring expert level knowledge in one or more domains, including web applications, AI-powered business systems, cloud environments, etc. - Execute sophisticated red team assessments across diverse attack surfaces - Partner with internal stakeholders to define engagement scope, success criteria, and translate complex technical findings into actionable business risk narratives - Research, develop, and maintain cutting-edge offensive security tools and automation frameworks to enhance team capabilities and operational efficiency Benefits - Freddie Mac offers a comprehensive total rewards package to include competitive compensation and market-leading benefit programs - This position has an annualized market-based salary range of $126,000 - $190,000 and is eligible to participate in the annual incentive program

United States
$126K - $190K / year
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Red Team Operator – Senior

Freddie Mac

We're on a mission to make home possible for homebuyers and renters across the U.S.

QA Engineer78 days ago
Full TimeRemoteSeniorTeam 5,001-10,000Since 1970H1B No Sponsor

Role Description We’re looking for an Offensive Security Engineer who excels at navigating ambiguity, uncovering weaknesses, and engineering solutions that elevate our security posture. You’ll combine technical ingenuity with practical problem-solving, developing automation, tools, and methods that drive meaningful risk reduction. Freddie Mac's Information Security team is responsible for continuously testing the overall strength of our organization’s defenses (across all people, process, & technology) by simulating the objectives and actions of an attacker. In this role, you will contribute to a collaborative team as a subject matter expert focusing on advanced offensive security. You will design and implement AI-powered security tools, proactively address vulnerabilities, and champion secure engineering practices across the organization. Qualifications - 8+ years of relevant experience - Proven ability to critically examine applications and identify, exploit, and remediate complex vulnerabilities - Proven ability to create automation workflows that scale to enterprise environments - Demonstrated expertise in bypassing modern defensive controls and security measures to achieve assessment objectives - Demonstrate proficiency in chosen domain using public research, personal blog, active projects, bug bounty, and public disclosures - Must be willing to work east coast hours Requirements - Applications should bring expert level knowledge in one or more domains, including web applications, AI-powered business systems, cloud environments, etc. - Execute sophisticated red team assessments across diverse attack surfaces - Partner with internal stakeholders to define engagement scope, success criteria, and translate complex technical findings into actionable business risk narratives - Research, develop, and maintain cutting-edge offensive security tools and automation frameworks to enhance team capabilities and operational efficiency Benefits - Freddie Mac offers a comprehensive total rewards package to include competitive compensation and market-leading benefit programs - This position has an annualized market-based salary range of $126,000 - $190,000 and is eligible to participate in the annual incentive program

United States
$126K - $190K / year
Freddie Mac logo

Quantitative Analytics Professional

Freddie Mac

We're on a mission to make home possible for homebuyers and renters across the U.S.

Full TimeSeniorTeam 5,001-10,000Since 1970H1B No Sponsor

Title: Quantitative Analytics Professional A Location: Mclean United States McLean, VA Category Quantitative Analytics & Data Job Id JR17099 Job Description: At Freddie Mac, our mission of Making Home Possible is what motivates us, and it's at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Job Description - Develop and/or analyze quantitative models that assess the market, credit and/or operational risks of new and existing financial and mortgage products or portfolios to support business and risk decisions. - Develop strategies to analyze and interpret output of models or analytic applications, which assess things such as default losses and required capital of the portfolio. - Plan, execute, and document analysis of complex financial models and provide support to the use of model applications. - May provide portfolio risk assessments based on findings. May provide modeling and analytical assistance to a line of business or product area, functioning as day-to-day technical expert. - Evaluate and manage risks associated with the company's models, including models of defaults, security valuation, prepayments, loan scoring and others. - May perform detailed model validation reviews, establishing performance thresholds, researching model approaches, creating alternative models and other means. - Provide innovative, thorough, and practical solutions to an extensive range of demanding problems, including analyses of relative value. - Position may be eligible for part-time telecommuting. Job Requirements Master's degree or foreign equivalent degree* in Applied mathematics, economics, physics, finance, business analytics, engineering, statistics, computer science, or related quantitative discipline. Must have demonstrated knowledge of: (1) Using and applying predictive modeling standard principles, theories, concepts, and techniques; (2) Programming in SAS, Python, or R; and (3) Mortgage portfolio credit risk. - Any combination of education that has been evaluated by a professional credentials evaluation service to be the academic equivalent of a U.S. degree will be accepted. Demonstrated knowledge can be established through coursework, training, or work experience. 40 hours per week 8:45 AM to 5:15 PM. Work location: 8200 Jones Branch Drive, McLean, VA 22102. We consider all applicants for all positions without regard to gender, race, color, religion, national origin, age, marital status, veteran status, sexual orientation, gender identity/expression, physical and mental disability, pregnancy, ethnicity, genetic information or any other protected categories under applicable federal, state or local laws. We will ensure that individuals are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. A safe and secure environment is critical to Freddie Mac's business. This includes employee commitment to our acceptable use policy, applying a vigilance-first approach to work, supporting regulatory mandates, and using best practices to protect Freddie Mac from potential threats and risk. Employees exercise this responsibility by executing against policies and procedures and adhering to privacy & security obligations as required via training programs. CA Applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Notice to External Search Firms: Freddie Mac partners with BountyJobs for contingency search business through outside firms. Resumes received outside the BountyJobs system will be considered unsolicited and Freddie Mac will not be obligated to pay a placement fee. If interested in learning more, please visit www.BountyJobs.com and register with our referral code: MAC. Time-type:Full time FLSA Status:Non-Exempt Freddie Mac offers a comprehensive total rewards package to include competitive compensation and market-leading benefit programs. Information on these benefit programs is available on our Careers site. This position has an annualized market-based salary range of $105,000 - $157,000 and is eligible to participate in the annual incentive program. The final salary offered will generally fall within this range and is dependent on various factors including but not limited to the responsibilities of the position, experience, skill set, internal pay equity and other relevant qualifications of the applicant.

Virginia
$105K - $157K / year
Job Closed
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Multifamily Loan Servicing Senior - NYC - REMOTE

Freddie Mac

We're on a mission to make home possible for homebuyers and renters across the U.S.

Customer Support105 days ago
Full TimeRemoteSeniorTeam 5,001-10,000Since 1970H1B No Sponsor

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Position Overview: The Loan Servicing/Loan Accounting Group at Freddie Mac Multifamily is seeking a Loan Servicing Senior to manage a portfolio of Seller/Servicers for various multifamily products and providing exceptional customer service to internal and external business partners. This position manages servicing portfolios, including securitizations where Freddie Mac is Master Servicer and balance sheet loan products. Additional duties may include areas of specialization (e.g. CREFC IRP, servicer performance evaluation, bond credit enhancement disbursements, post funding mortgage disbursements, management reporting). The role monitors servicer performance and compliance with terms of business related to investor reporting, while ensuring customer satisfaction is maintained and service level standards are achieved. Our impact: Our team is responsible for the operations associated with all active Freddie Mac Multifamily loans and securities. This includes servicer reporting and remitting to Freddie Mac. These activities help to facilitate the corporate mission of liquidity and affordability of the rental housing market. Our success has resulted in Freddie Mac becoming the leader in the secondary mortgage market. Your impact: Act as the primary point of contact for Seller/Servicers in day-to-day loan accounting operations. You will: - Ensure accurate reporting from Seller/Servicers and provide support as necessary to both internal and external partners. - Collaborate with internal teams and external business partners. Qualifications: - Bachelor’s degree in Accounting, Finance, Business, or equivalent experience - 5 - 7 years of experience with loan servicing/mortgage accounting - Proficient use of Microsoft Office (Excel, Word, PowerPoint) - Ability to deliver exceptional business results in a team environment - Strong verbal and written communication skills - Highly analytical with attention to detail, sound judgment, critical thinking, and problem-solving skills - Ability to meet tight deadlines consistently - Organized with the ability to multitask and manage competing priorities - Occasional travel may be required to provide customer support and training Keys to Success in this Role: - Strong team player - Previous experience with investor reporting (performing loans and default servicing) - Highly adaptable, able to navigate confidently in a fast-paced, dynamic environment - Ability to work independently and solve problems proactively - Broad understanding of commercial and multifamily mortgage standards and principles Current Freddie Mac employees please apply through the internal career site. We consider all applicants for all positions without regard to gender, race, color, religion, national origin, age, marital status, veteran status, sexual orientation, gender identity/expression, physical and mental disability, pregnancy, ethnicity, genetic information or any other protected categories under applicable federal, state or local laws. We will ensure that individuals are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. A safe and secure environment is critical to Freddie Mac’s business. This includes employee commitment to our acceptable use policy, applying a vigilance-first approach to work, supporting regulatory mandates, and using best practices to protect Freddie Mac from potential threats and risk. Employees exercise this responsibility by executing against policies and procedures and adhering to privacy & security obligations as required via training programs. CA Applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Notice to External Search Firms: Freddie Mac partners with BountyJobs for contingency search business through outside firms. Resumes received outside the BountyJobs system will be considered unsolicited and Freddie Mac will not be obligated to pay a placement fee. If interested in learning more, please visit www.BountyJobs.com and register with our referral code: MAC. Time-type:Full time FLSA Status:Non-Exempt Freddie Mac offers a comprehensive total rewards package to include competitive compensation and market-leading benefit programs. Information on these benefit programs is available on our Careers site. This position has an annualized market-based salary range of $94,000 - $142,000 and is eligible to participate in the annual incentive program. The final salary offered will generally fall within this range and is dependent on various factors including but not limited to the responsibilities of the position, experience, skill set, internal pay equity and other relevant qualifications of the applicant.

United States
$94K - $142K / year
Job Closed
Freddie Mac logo

Multifamily Loan Servicing Senior - NYC - REMOTE

Freddie Mac

We're on a mission to make home possible for homebuyers and renters across the U.S.

Customer Support105 days ago
Full TimeRemoteSeniorTeam 5,001-10,000Since 1970H1B No Sponsor

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Position Overview: The Loan Servicing/Loan Accounting Group at Freddie Mac Multifamily is seeking a Loan Servicing Senior to manage a portfolio of Seller/Servicers for various multifamily products and providing exceptional customer service to internal and external business partners. This position manages servicing portfolios, including securitizations where Freddie Mac is Master Servicer and balance sheet loan products. Additional duties may include areas of specialization (e.g. CREFC IRP, servicer performance evaluation, bond credit enhancement disbursements, post funding mortgage disbursements, management reporting). The role monitors servicer performance and compliance with terms of business related to investor reporting, while ensuring customer satisfaction is maintained and service level standards are achieved. Our impact: Our team is responsible for the operations associated with all active Freddie Mac Multifamily loans and securities. This includes servicer reporting and remitting to Freddie Mac. These activities help to facilitate the corporate mission of liquidity and affordability of the rental housing market. Our success has resulted in Freddie Mac becoming the leader in the secondary mortgage market. Your impact: Act as the primary point of contact for Seller/Servicers in day-to-day loan accounting operations. You will: - Ensure accurate reporting from Seller/Servicers and provide support as necessary to both internal and external partners. - Collaborate with internal teams and external business partners. Qualifications: - Bachelor’s degree in Accounting, Finance, Business, or equivalent experience - 5 - 7 years of experience with loan servicing/mortgage accounting - Proficient use of Microsoft Office (Excel, Word, PowerPoint) - Ability to deliver exceptional business results in a team environment - Strong verbal and written communication skills - Highly analytical with attention to detail, sound judgment, critical thinking, and problem-solving skills - Ability to meet tight deadlines consistently - Organized with the ability to multitask and manage competing priorities - Occasional travel may be required to provide customer support and training Keys to Success in this Role: - Strong team player - Previous experience with investor reporting (performing loans and default servicing) - Highly adaptable, able to navigate confidently in a fast-paced, dynamic environment - Ability to work independently and solve problems proactively - Broad understanding of commercial and multifamily mortgage standards and principles Current Freddie Mac employees please apply through the internal career site. We consider all applicants for all positions without regard to gender, race, color, religion, national origin, age, marital status, veteran status, sexual orientation, gender identity/expression, physical and mental disability, pregnancy, ethnicity, genetic information or any other protected categories under applicable federal, state or local laws. We will ensure that individuals are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. A safe and secure environment is critical to Freddie Mac’s business. This includes employee commitment to our acceptable use policy, applying a vigilance-first approach to work, supporting regulatory mandates, and using best practices to protect Freddie Mac from potential threats and risk. Employees exercise this responsibility by executing against policies and procedures and adhering to privacy & security obligations as required via training programs. CA Applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Notice to External Search Firms: Freddie Mac partners with BountyJobs for contingency search business through outside firms. Resumes received outside the BountyJobs system will be considered unsolicited and Freddie Mac will not be obligated to pay a placement fee. If interested in learning more, please visit www.BountyJobs.com and register with our referral code: MAC. Time-type:Full time FLSA Status:Non-Exempt Freddie Mac offers a comprehensive total rewards package to include competitive compensation and market-leading benefit programs. Information on these benefit programs is available on our Careers site. This position has an annualized market-based salary range of $94,000 - $142,000 and is eligible to participate in the annual incentive program. The final salary offered will generally fall within this range and is dependent on various factors including but not limited to the responsibilities of the position, experience, skill set, internal pay equity and other relevant qualifications of the applicant.

United States
$94K - $142K / year
Job Closed
Freddie Mac logo

Senior Multifamily Underwriting Analyst

Freddie Mac

We're on a mission to make home possible for homebuyers and renters across the U.S.

Underwriter108 days ago
Full TimeRemoteSeniorTeam 5,001-10,000Since 1970H1B No Sponsor

• Build toward credit approval and closing individual mortgage loans collateralized by multifamily properties • Accurately prepare concise, complete, and clear Investment Briefs for loan approval and loan commitment • Apply company principles/policies and critical thought to complete assigned tasks accurately, completely, and in a timely manner • Collaborate and communicate with external and internal business partners to solve problems and achieve shared success

New York
$76K - $114K / year
Job Closed
Freddie Mac logo

Multifamily Underwriting Associate (Conventional Underwriting) - NYC (REMOTE)

Freddie Mac

We're on a mission to make home possible for homebuyers and renters across the U.S.

Underwriter119 days ago
OtherRemoteMid LevelTeam 5,001-10,000Since 1970H1B No Sponsor

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Continue your career journey where your work contributes to a greater purpose. Must live in the NY Metro area to be considered for this opportunity. Position Overview: If you are a hard-working, motivated, and intellectually driven professional with a passion for commercial real estate (CRE) and finance, Freddie Mac Multifamily is the employer for you! The nation’s greatest and most innovative secondary market Multifamily mortgage lender and issuer of securitized fixed-income with an annual platform exceeding $70 billion is looking to add a Multifamily Underwriting Associate to its New York City team. At Freddie Mac, you will do important work to build a better housing finance system and you’ll be part of a team helping to make homeownership and rental housing more accessible and affordable across the nation. If you are an analytical team player who is interested in a multifamily commercial real estate career, please submit your application to join our exciting and dynamic organization! Our Impact: - We are responsible for underwriting multifamily conventional loans structured and quoted by our Production partners and managing the loan transaction process from quote acceptance to loan approval, commitment, rate-lock and loan purchase. - Innovate based on market behaviors while efficiently analyzing, mitigating, and clearly defining credit risk - Evaluate the overall story and make decisions based on the credit risk profile - Provide stability and liquidity to the multifamily housing market by supporting Freddie Mac’s mission-driven affordability goals Your Impact: - Build toward credit approval and closing individual mortgage loans collateralized by multifamily properties - Analyze and evaluate due diligence documentation related to sponsor, property characteristics, operating history, property inspection, market, etc. and utilize this information to develop a pro forma income and expense statement - Prepare concise, complete, and transparent Investment Briefs for loan approval and commitment and ensure accurate data quality for loan securitization - Apply company principles/policies and critical thought to complete assigned tasks accurately, completely, and in a timely manner - Collaborate and communicate with external and internal business partners to solve problems and achieve shared success Qualifications: - Bachelor’s degree in real estate, finance, economics, business administration, or related discipline. - 0 - 2 years of related work experience in the commercial/multifamily real estate industry - Knowledge of real estate property fundamentals and real estate lending/underwriting - Strong written and verbal communication skills - Demonstrated proficiency with Microsoft Excel and Word - Ability to travel domestically Keys to Success in this Role: - Multi-task/prioritize - Relationship builder, excellent collaborator, and ability to work well within a team - Harness the power of data to formulate and inform communications - Keep calm under pressure - Be comfortable with transition and change - Strong work ethic / positive attitude We consider all applicants for all positions without regard to gender, race, color, religion, national origin, age, marital status, veteran status, sexual orientation, gender identity/expression, physical and mental disability, pregnancy, ethnicity, genetic information or any other protected categories under applicable federal, state or local laws. We will ensure that individuals are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. Freddie Mac offers a comprehensive total rewards package to include competitive compensation and market-leading benefit programs. Information on these benefit programs is available on our Careers site. This position has an annualized market-based salary range of $91,000 - $137,000 and is eligible to participate in the annual incentive program. The final salary offered will generally fall within this range and is dependent on various factors including but not limited to the responsibilities of the position, experience, skill set, internal pay equity and other relevant qualifications of the applicant.

United States
$91K - $137K / year
Job Closed
Freddie Mac logo

Multifamily Underwriting Associate – Conventional Underwriting

Freddie Mac

We're on a mission to make home possible for homebuyers and renters across the U.S.

Underwriter119 days ago
Full TimeRemoteMid LevelTeam 5,001-10,000Since 1970H1B No Sponsor

• Build toward credit approval and closing individual mortgage loans collateralized by multifamily properties • Analyze and evaluate due diligence documentation related to sponsor, property characteristics, operating history, property inspection, market, etc. and utilize this information to develop a pro forma income and expense statement • Prepare concise, complete, and transparent Investment Briefs for loan approval and commitment and ensure accurate data quality for loan securitization • Collaborate and communicate with external and internal business partners to solve problems and achieve shared success

New York
$91K - $137K / year
Job Closed

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