Commercial Credit Analyst II

CountryPlace Mortgage, Ltd.; Plano (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Paid Holidays

401K Match

Generous PTO

Life / Disability Insurance

Job summary

CountryPlace Mortgage, Ltd. in Plano, TX seeks a Commercial Credit Analyst II to perform in-depth financial analysis for floorplan lines, buyouts, and other commercial lending including real estate and revolving lines of credit. This in-person role supports the Commercial Lending Department.

You will underwrite requests, forecast cash flows, understand ownership structures, ensure proper security, and present findings to leadership while collaborating with stakeholders across teams.

Qualifications

• BA/BS degree in Finance, Accounting, or Business.
• 14+ months of Manufactured Housing Commercial lending experience OR 2+ years in commercial credit/financial analysis.
• MS Office (Excel, Word, PowerPoint) proficiency.

Responsibilities

• Underwrite commercial loan requests for new and existing relationships using financial statements and tax returns.
• Perform cash flow analysis and pro forma forecasting.
• Understand entity ownership structures and explain them clearly.
• Ensure security instruments align with risk profiles.
• Present financial analyses and recommendations to decision makers.
• Manage UCC processes (filing, search, notification).
• Communicate with stakeholders to maintain workflow.

Skills

Analytical skills

Communication

Organization

Interpersonal skills

Deadline-oriented

Problem solving

Team collaboration

Education

BA/BS in Finance/Accounting/Business

Tools

Excel

Word

PowerPoint

Job description

CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Commercial Credit Analyst II to help grow our Commercial Lending Department. This in-person role is in our Plano, TX office. The Commercial Credit Analyst II 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
• Periodic account reviews and maintenance
• Support the development of junior analysts by sharing knowledge, answering questions, and modeling effective credit analysis techniques
• Assist in training new team members, helping them understand tools, processes, and credit policies
• Provide coverage during team absences to maintain workflow continuity
• Join complex credit reviews to build subject matter expertise
• Contribute to a collaborative team by offering peer-to-peer feedback and promoting open communication
• Participate in complex credit reviews alongside senior analysts, gradually building subject matter expertise.
• Consistently meets and exceeds individual, team and department objectives
• Perform other duties and special projects as assigned

POSITION REQUIREMENTS, CAPABILITIES & SKILLS

• Superior analytical skills
• Excellent verbal and written communication skills
• Outstanding organizational and project management skills
• Advanced 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
• 14+ months of Manufactured Housing Commercial lending experience OR
• 2+ years of experience in commercial credit, structuring, and financial statement analysis, banking, finance, and/or loan servicing
• Intermediate to advanced 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!