OPT Underwriting Analyst Jobs
Underwriting Analyst roles sit at the intersection of finance and risk assessment, making them a strong fit for F-1 OPT students with backgrounds in finance, economics, statistics, or actuarial science. Most positions qualify as STEM OPT-eligible when tied to quantitative or data-intensive work, giving you up to 36 months of work authorization.
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Get Access To All JobsAt 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:
Do you want to fast track your career? Are you an adept communicator with internal and external stakeholders? We are looking for an analytical Rockstar to join our fast-paced and hardworking Freddie Mac Multifamily Underwriting team. We’re looking for someone who is smart, a fast learner, strong with numbers and can hustle. Apply now to contribute to our mission of Making Home Possible.
Our Impact:
- We are responsible for underwriting conventional multifamily loans originated by our Production partners
- Innovate based on market behaviors while efficiently analyzing, mitigating, and clearly defining credit risk
- Evaluating the overall story and making decisions on the credit risk profile
Your Impact:
- 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
Qualifications
- Bachelor’s degree in real estate, finance, economics, business administration, or related field
- 1 to 3 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
- Ability to travel domestically
Keys to Success in this Role:
- Multi-task/prioritize
- Relationship builder inside and outside of multifamily underwriting
- Harness the power of data to formulate and inform communications
- Keep calm under pressure
- Comfortable with transition and change
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 $68,000 - $102,000 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.
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:
Do you want to fast track your career? Are you an adept communicator with internal and external stakeholders? We are looking for an analytical Rockstar to join our fast-paced and hardworking Freddie Mac Multifamily Underwriting team. We’re looking for someone who is smart, a fast learner, strong with numbers and can hustle. Apply now to contribute to our mission of Making Home Possible.
Our Impact:
- We are responsible for underwriting conventional multifamily loans originated by our Production partners
- Innovate based on market behaviors while efficiently analyzing, mitigating, and clearly defining credit risk
- Evaluating the overall story and making decisions on the credit risk profile
Your Impact:
- 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
Qualifications
- Bachelor’s degree in real estate, finance, economics, business administration, or related field
- 1 to 3 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
- Ability to travel domestically
Keys to Success in this Role:
- Multi-task/prioritize
- Relationship builder inside and outside of multifamily underwriting
- Harness the power of data to formulate and inform communications
- Keep calm under pressure
- Comfortable with transition and change
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 $68,000 - $102,000 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.
See all 45+ OPT Underwriting Analyst Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new OPT Underwriting Analyst Jobs.
Get Access To All JobsTips for Finding OPT Sponsorship as an Underwriting Analyst
Confirm STEM OPT eligibility with your DSO early
Underwriting Analyst roles often qualify for the 24-month STEM OPT extension when the work involves quantitative modeling or data analysis. Verify your degree's CIP code with your Designated School Official before applying to avoid authorization gaps.
Target insurers and financial institutions with established OPT pipelines
Large carriers like Chubb, Travelers, and Liberty Mutual, along with major banks with credit underwriting desks, regularly hire on OPT. Firms with structured analyst programs are more familiar with the authorization process and less likely to screen you out.
Lead with your quantitative skills in applications
Employers prioritize candidates who can model risk using Excel, SQL, or Python. Highlighting these skills upfront signals you can contribute immediately and shifts attention from work authorization concerns to your technical value as a hire.
Apply before your OPT start date, not after
Hiring timelines in financial services can run six to ten weeks between application and start date. Submitting applications two to three months before your OPT begins ensures you have enough authorized work time remaining when the role starts.
Understand which underwriting tracks align with your degree
Commercial lines, mortgage, and credit underwriting typically require finance or economics degrees. Specialty lines like cyber or life insurance often value actuarial or statistics backgrounds. Matching your degree to the right track improves both your fit and sponsorship odds.
Ask directly about H-1B sponsorship during the offer stage
Many underwriting employers sponsor H-1B visas for analysts who perform well during OPT. Asking after an offer is extended, not during initial screening, lets the employer assess your fit first and keeps the conversation from ending prematurely.
Underwriting Analyst OPT: Frequently Asked Questions
Can I work as an Underwriting Analyst on F-1 OPT?
Yes. Underwriting Analyst is a specialty occupation requiring a bachelor's degree in a relevant field such as finance, economics, statistics, or actuarial science. Pre-completion or post-completion OPT authorizes full-time work in your field of study, making this a direct match for most F-1 students finishing those programs.
Does an Underwriting Analyst role qualify for the STEM OPT extension?
It depends on how the role is classified and your degree's CIP code. Positions with significant quantitative, data, or modeling components often qualify, particularly for graduates with STEM-designated degrees in statistics, actuarial science, financial engineering, or economics. Your DSO can confirm whether your specific degree qualifies and help you file the extension on time.
How do I find Underwriting Analyst jobs that are open to OPT students?
Many employers list OPT authorization as acceptable but don't always make that visible in standard job postings. Migrate Mate filters specifically for roles open to F-1 OPT students, so you can browse Underwriting Analyst positions without wasting applications on employers who won't consider your work authorization status.
Do Underwriting Analyst employers typically sponsor H-1B visas after OPT?
Sponsorship rates vary by employer size and underwriting segment. Large national carriers and major banks with dedicated underwriting departments sponsor H-1B visas for analysts fairly regularly, especially for high performers. Regional insurers and smaller firms sponsor less often. It's worth asking about long-term sponsorship intent before accepting an offer, not as the first question in an interview.
What happens if my OPT expires before I can transition to H-1B?
If you're on STEM OPT and your employer files an H-1B petition by the April 1 deadline, the cap-gap rule automatically extends your work authorization through September 30 of that year, or until USCIS makes a decision on your petition. This prevents a gap in employment. Timing your OPT application and H-1B filing carefully is essential, so plan the sequence with your DSO well in advance.