Commercial Credit Analyst

CountryPlace Mortgage - A Cavco Company; Plano (TX); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Paid Holidays

401K Match

Generous PTO

FSA/HSA Plans

Life/Disability/Accidental Insurance

Job summary

CountryPlace Mortgage - A Cavco Company in Plano, TX is seeking a Commercial Credit Analyst to perform financial analysis for floorplan lines, floorplan buyouts and other commercial lending, including real estate and revolving lines of credit. This in-person role is based in our Plano office.

Responsibilities include underwriting loan requests, cash flow analysis, and ownership-structure assessment. You will present analyses to management, manage UCC filings, and ensure timely, accurate

Qualifications

• BA/BS degree in Finance, Accounting, or Business.
• Proficiency in MS Excel, Word and PowerPoint.

Responsibilities

• Underwrite commercial loan requests by analyzing financial statements, tax returns, CPA statements, bank statements, and other documentation.
• Perform cash flow analysis and pro forma forecasting.
• Understand entity ownership structures and explain them clearly.
• Recommend security instruments based on risk and ownership structure.
• Present analyses and recommendations to appropriate authority.
• Manage UCC filings (filing, search and notification) to ensure perfection.
• Communicate with stakeholders through the underwriting process.
• Answer questions regarding financials, credit lines, and structure.
• Maintain stakeholder focus and meet service level commitments.

Skills

Analytical skills

Communication skills

Organizational skills

Interpersonal skills

Work ethic

Problem solving

Learning mindset

Decision making

Attention to detail

Team player

Education

Bachelor's degree in Finance/Accounting/Business

Tools

Microsoft Excel

Microsoft Word

Job description

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

• 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.

Disclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.

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.

Qualifications

Skills

Required

Microsoft Excel

Intermediate

Microsoft Word

Intermediate

Education

Required

Bachelors or better in Finance or related field.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.