Loan Analyst Jobs in USA with Visa Sponsorship
Loan analyst roles qualify as specialty occupations for H-1B visa sponsorship when the position requires a bachelor's degree in finance, economics, or a related field. Many banks, credit unions, and commercial lenders sponsor candidates through H-1B and green card pathways, making this a realistic target for international finance professionals.
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Get Access To All JobsINTRODUCTION
The next part of your journey is right around the corner — with The Standard.
A genuine desire to make a difference in the lives of others is the foundation for everything we do. With a customer-first mindset and an intentional focus on building strong teams, we’ve been able to uphold our legacy of financial stability while investing in new, innovative technologies that support the needs of our customers. Our high-performance culture focused on operational excellence thrives thanks to remarkable people united by compassion and a customer-first commitment. Are you ready to make a difference?
JOB SUMMARY
The Mortgage Loan Analyst is responsible for reviewing, underwriting, negotiating, and recommending mortgage loan transactions across new originations, refinances, and administrative actions. This role evaluates commercial real estate, analyzes financial statements, reviews third-party reports, and prepares underwriting materials to support loan origination, investor relations, closing, and servicing. The position also contributes to portfolio reporting, market research, and cross-department workflow to ensure efficient loan operations.
This role requires traveling once a year to correspondent markets in partnership with an Underwriter or Manager.
KEY RESPONSIBILITIES
- Review, underwrite, negotiate, and recommend new loan originations and refinances within established guidelines.
- Analyze borrower and tenant financials, organizational structures, and third-party reports.
- Prepare underwriting spreadsheets, commitment letters, and documentation for extensions, assumptions, modifications, and other loan actions.
- Support communication and workflow between underwriting, investor relations, closing, and servicing teams.
- Develop and maintain portfolio reports, models, and market research to support mortgage investment decisions.
- Conduct property site inspections and provide analytical support to the local market team.
SKILLS AND BACKGROUND YOU’LL NEED
Education: Bachelor's degree in real estate, finance, accounting, or a related field
Experience: 2+ years of experience in commercial mortgage lending, real estate investment, or a related field.
- Working knowledge of commercial mortgage lending practices, legal documentation, and real estate valuation concepts.
- Proficiency with financial analysis, underwriting techniques, and spreadsheet software.
- Ability to manage competing priorities with strong attention to detail and accuracy.
- Ability to interpret and present financial and underwriting information clearly.
- Experience with mortgage loan databases or investment analysis software.
- Familiarity with real estate market research and portfolio reporting.
KEY BEHAVIORS OF A SUCCESSFUL CANDIDATE
- Analytical Thinking: Uses data, financial models, and valuation techniques to make sound underwriting recommendations.
- Collaboration: Works effectively with peers and cross-functional teams to support loan origination and servicing activities.
- Adaptability: Adjusts quickly to changing priorities, shifting workloads, and evolving business needs.
WHY JOIN THE STANDARD?
We have built an enduring legacy of stability, financial strength and exceptional customer service through the contributions of the service-oriented people who choose to work at The Standard. To ensure we can attract and retain the best talent, when you join The Standard you can expect:
- A rich benefits package including medical, dental, vision and a 401(k) plan with matching company contributions
- An annual incentive bonus plan
- Generous paid time off including 11 holidays, 2 wellness days, and 8 volunteer hours annually — PTO increases with tenure
- A supportive, responsive management approach and opportunities for career growth and advancement
- Paid parental leave and adoption/surrogacy assistance
- An employee giving program that double matches your donations to eligible nonprofits and schools
In addition to the competitive salary range below, our employee-focused benefits support work-life balance. Learn more about working at The Standard.
Eligibility to participate in an incentive program is subject to the rules governing the program and plan. Any award depends on a variety of factors including individual and organizational performance.
The actual compensation for this role will be based on a combination of education and experience, knowledge and skills, position budget, internal equity, and market data.
SALARY RANGE:
$52,750.00 - $77,500.00
Positions will be posted for at least 5 days from original posting date.
Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, Inc., StanCorp Mortgage Investors, LLC, StanCorp Investment Advisers, Inc., and American Heritage Life Insurance Company and American Heritage Service Company, marketed as The Standard, are Affirmative Action/Equal Opportunity employers. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, gender identity, sexual orientation, age, disability or veteran status or any other condition protected by federal, state or local law. Except where precluded by state or federal law, The Standard will consider for employment qualified applicants with arrest and conviction records pursuant to the San Francisco Fair Chance Ordinance. The Standard offers a drug- and alcohol-free work environment where possession, manufacture, transfer, offer, use of or being impaired by an illegal substance while on The Standard's property, or in other cases which the company believes might affect operations, safety or reputation of the company is prohibited. The Standard requires a criminal background investigation and employment, education and licensing verification as a condition of employment. After any conditional offer of employment is made, the background check will include an individualized assessment based on the applicant’s specific record and the duties and requirements of the specific job. Applicants will be provided an opportunity to explain and correct background information. All employees of The Standard must be bondable.
INTRODUCTION
The next part of your journey is right around the corner — with The Standard.
A genuine desire to make a difference in the lives of others is the foundation for everything we do. With a customer-first mindset and an intentional focus on building strong teams, we’ve been able to uphold our legacy of financial stability while investing in new, innovative technologies that support the needs of our customers. Our high-performance culture focused on operational excellence thrives thanks to remarkable people united by compassion and a customer-first commitment. Are you ready to make a difference?
JOB SUMMARY
The Mortgage Loan Analyst is responsible for reviewing, underwriting, negotiating, and recommending mortgage loan transactions across new originations, refinances, and administrative actions. This role evaluates commercial real estate, analyzes financial statements, reviews third-party reports, and prepares underwriting materials to support loan origination, investor relations, closing, and servicing. The position also contributes to portfolio reporting, market research, and cross-department workflow to ensure efficient loan operations.
This role requires traveling once a year to correspondent markets in partnership with an Underwriter or Manager.
KEY RESPONSIBILITIES
- Review, underwrite, negotiate, and recommend new loan originations and refinances within established guidelines.
- Analyze borrower and tenant financials, organizational structures, and third-party reports.
- Prepare underwriting spreadsheets, commitment letters, and documentation for extensions, assumptions, modifications, and other loan actions.
- Support communication and workflow between underwriting, investor relations, closing, and servicing teams.
- Develop and maintain portfolio reports, models, and market research to support mortgage investment decisions.
- Conduct property site inspections and provide analytical support to the local market team.
SKILLS AND BACKGROUND YOU’LL NEED
Education: Bachelor's degree in real estate, finance, accounting, or a related field
Experience: 2+ years of experience in commercial mortgage lending, real estate investment, or a related field.
- Working knowledge of commercial mortgage lending practices, legal documentation, and real estate valuation concepts.
- Proficiency with financial analysis, underwriting techniques, and spreadsheet software.
- Ability to manage competing priorities with strong attention to detail and accuracy.
- Ability to interpret and present financial and underwriting information clearly.
- Experience with mortgage loan databases or investment analysis software.
- Familiarity with real estate market research and portfolio reporting.
KEY BEHAVIORS OF A SUCCESSFUL CANDIDATE
- Analytical Thinking: Uses data, financial models, and valuation techniques to make sound underwriting recommendations.
- Collaboration: Works effectively with peers and cross-functional teams to support loan origination and servicing activities.
- Adaptability: Adjusts quickly to changing priorities, shifting workloads, and evolving business needs.
WHY JOIN THE STANDARD?
We have built an enduring legacy of stability, financial strength and exceptional customer service through the contributions of the service-oriented people who choose to work at The Standard. To ensure we can attract and retain the best talent, when you join The Standard you can expect:
- A rich benefits package including medical, dental, vision and a 401(k) plan with matching company contributions
- An annual incentive bonus plan
- Generous paid time off including 11 holidays, 2 wellness days, and 8 volunteer hours annually — PTO increases with tenure
- A supportive, responsive management approach and opportunities for career growth and advancement
- Paid parental leave and adoption/surrogacy assistance
- An employee giving program that double matches your donations to eligible nonprofits and schools
In addition to the competitive salary range below, our employee-focused benefits support work-life balance. Learn more about working at The Standard.
Eligibility to participate in an incentive program is subject to the rules governing the program and plan. Any award depends on a variety of factors including individual and organizational performance.
The actual compensation for this role will be based on a combination of education and experience, knowledge and skills, position budget, internal equity, and market data.
SALARY RANGE:
$52,750.00 - $77,500.00
Positions will be posted for at least 5 days from original posting date.
Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, Inc., StanCorp Mortgage Investors, LLC, StanCorp Investment Advisers, Inc., and American Heritage Life Insurance Company and American Heritage Service Company, marketed as The Standard, are Affirmative Action/Equal Opportunity employers. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, gender identity, sexual orientation, age, disability or veteran status or any other condition protected by federal, state or local law. Except where precluded by state or federal law, The Standard will consider for employment qualified applicants with arrest and conviction records pursuant to the San Francisco Fair Chance Ordinance. The Standard offers a drug- and alcohol-free work environment where possession, manufacture, transfer, offer, use of or being impaired by an illegal substance while on The Standard's property, or in other cases which the company believes might affect operations, safety or reputation of the company is prohibited. The Standard requires a criminal background investigation and employment, education and licensing verification as a condition of employment. After any conditional offer of employment is made, the background check will include an individualized assessment based on the applicant’s specific record and the duties and requirements of the specific job. Applicants will be provided an opportunity to explain and correct background information. All employees of The Standard must be bondable.
See all 36+ Loan Analyst Jobs
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Get Access To All JobsTips for Finding Visa Sponsorship as a Loan Analyst
Frame your credentials around specialty occupation
Loan analyst roles sit at the boundary of specialty occupation eligibility. Pull your official transcripts and document how your finance or economics degree directly maps to credit analysis, underwriting, or risk modeling, the functions USCIS scrutinizes most closely.
Verify prevailing wage before accepting an offer
Your employer's LCA must certify a wage at or above the prevailing rate for your metro area. Run the OFLC Wage Search using the correct SOC category before you negotiate, so you can confirm the offer won't create a compliance problem at the LCA stage.
Target commercial lenders over consumer retail banks
Commercial and institutional lenders file H-1B petitions for loan analysts far more consistently than consumer retail branches. Focus your search on regional commercial banks, credit companies, and structured finance teams, which have recurring analyst hiring cycles and established sponsorship pipelines.
Search Migrate Mate for verified sponsorship history
Use Migrate Mate to find employers with documented LCA filing history for loan analyst roles. Filtering to employers who have sponsored this title before cuts time wasted on applications to companies that haven't established a sponsorship process for the role.
Get your PERM labor certification timeline right
If your employer starts a green card process under EB-2 or EB-3, PERM labor certification typically runs six to twelve months before the I-140 petition can be filed. Confirm early whether your employer is willing to begin PERM concurrently with or shortly after your H-1B approval.
Prepare for specialty occupation RFEs on analyst titles
USCIS frequently issues Requests for Evidence on analyst job titles, arguing the role doesn't require a specific degree. Have your employer prepare a detailed job description tying every core duty, credit modeling, covenant analysis, risk scoring, to a finance or accounting curriculum.
Frequently Asked Questions
Does a loan analyst role qualify as a specialty occupation for H-1B sponsorship?
It can, but it's not automatic. USCIS requires the position to normally require at least a bachelor's degree in a directly related field such as finance, accounting, or economics. Generic analyst titles sometimes trigger Requests for Evidence, so your employer's job description needs to tie every core duty to a specific academic discipline rather than describing general business tasks.
Which visa types are realistic for international loan analysts?
H-1B is the primary route for loan analysts already in the U.S. or transferring from an employer abroad. If you're a Canadian or Mexican national, TN visa status is available for economists, accountants, and certain finance professionals under the USMCA list. F-1 students finishing degrees in finance can bridge on OPT or STEM OPT if the role qualifies under a STEM-designated CIP code, buying time before an H-1B is filed.
What degree do employers and USCIS expect for a sponsored loan analyst position?
Most sponsoring employers require a bachelor's degree in finance, economics, accounting, mathematics, or a closely related quantitative field. USCIS will look at whether your specific degree matches the actual duties of the role, not just whether you hold any bachelor's degree. A degree in an unrelated field, even combined with years of experience, can complicate the specialty occupation argument at adjudication.
Where can I find loan analyst jobs that offer visa sponsorship?
Migrate Mate lists employers with verified LCA sponsorship history for loan analyst and credit analyst roles, so you can focus on companies that have already sponsored this job title. This saves time compared to applying broadly and asking employers about sponsorship only after reaching the offer stage.
Can a loan analyst role support a green card application?
Yes. Employers can sponsor loan analysts through the EB-2 or EB-3 employment-based green card categories. EB-2 requires an advanced degree or its equivalent, while EB-3 covers skilled workers with two or more years of relevant experience and no specific degree minimum. Both paths require PERM labor certification from DOL before USCIS can adjudicate the I-140 petition. Backlogs vary significantly by country of birth, so starting the process early matters.
What is the prevailing wage requirement for sponsored Loan Analyst jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.