Commercial Credit Analyst

Palm Harbor Homes; Plano (TX); On-site; USD 65,000 - 95,000; Full time

Benefits offered by this job

Competitive Salary

Medical/Dental/Vision Insurance

Paid Holidays

401K Match

Generous PTO

FSA/HSA Plans

Life /Disability/Accidental Insurance

Job summary

CountryPlace Mortgage, a nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Commercial Credit Analyst to support our Plano office. This in-person role will perform financial analysis for floorplan lines, floorplan buyouts and other commercial lending, including real estate and revolving lines of credit.

The position emphasizes underwriting, cash flow analysis and risk assessment, with collaboration across stakeholders.

Qualifications

• BA/BS degree in Finance, Accounting, or Business.
• Proficient MS Office skills including Excel, Word and PowerPoint.
• Strong analytical and written communication abilities.

Responsibilities

• Underwrite commercial loan requests for new and existing relationships using financial statements, tax returns and other docs.
• Perform cash flow analysis, pro forma forecasting, and scaling.
• Understand entity ownership structures and provide clear explanations.
• Recommend appropriate security instruments based on risk and ownership structure.
• Present financial analysis to the appropriate authority level.

Skills

Analytical skills

Communication

Organizational skills

Interpersonal skills

Time management

Problem solving

Education

BA/BS in Finance, Accounting, or Business

Tools

MS Office (Excel/Word/PowerPoint)

Job description

About The Role

CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Commercial Credit Analyst to help grow our Commercial Lending Department. This in-person role is in our Plano, TX office. The Commercial Credit Analyst will complete financial analysis for floorplan lines, floorplan buyouts and other commercial lending, including real estate and revolving lines of credit.

Essential Duties & Responsibilities

• Underwriting commercial loan requests for new and existing relationships by analyzing the financial condition utilizing financial statements, tax returns, CPA statements, bank statements, and other necessary documentation
• Cash flow analysis and pro forma forecasting and scaling
• Full understanding of entity legal ownership structure and ability to provide clear, concise explanation of them
• Ensure appropriate security instruments are recommended based on risk profile and ownership structure
• Present recommendation, details and financial analysis to the appropriate authority level
• Ownership of UCC process (filing, search and notification) to ensure properly perfected
• Timely communication to stakeholders (Dealer, Manufacturer, Sales and Management) through the process
• Obtain answers to any questions regarding financials, credit line requests, structure, and other relevant factors
• Maintain a stakeholder focus throughout the underwriting process, exceeding service level commitments
• Prepare legal documents and follow up to ensure necessary documentation is received
• Final review of loan documentation and audit prior to loan funding
• Participate in periodic account reviews and maintenance
• Consistently meets and exceeds individual, team and department objectives
• Perform other duties and special projects as assigned

Position Requirements, Capabilities & Skills

• Strong analytical skills
• Excellent verbal and written communication skills
• Outstanding organizational and project management skills
• Effective Interpersonal skills to collaborate with stakeholders
• Strong work ethic with an ability to meet deadlines while multi-tasking
• Ability to identify and resolve problems in a timely manner
• Willingness to learn and grow in a fast-paced environment
• Effective decision-making, customer service and problem-solving skills
• Strong attention to detail and accuracy
• Ability to work effectively in a team environment

Minimum Qualifications

• BA/BS degree required in Finance, Accounting, or Business
• Beginning to intermediate MS Office skills in Excel, Word and PowerPoint

WE OFFER

• Competitive Salary
• Medical/Dental/Vision Insurance
• Paid Holidays
• 401K Match
• Generous PTO
• FSA/HSA Plans
• Life /Disability/Accidental Insurance and much more!

Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time. Local candidates only - relocation not available.

Cavco Industries and CountryPlace Mortgage are committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.