Commercial Credit Analyst II

CountryPlace Mortgage - A Cavco Company; Plano (TX); On-site; USD 70,000 - 95,000; 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 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.

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.

Responsibilities

• Underwriting commercial loan requests by analyzing financials, tax returns, CPA statements, and bank statements.
• Cash flow analysis, pro forma forecasting and scaling.

Skills

Analytical skills

Verbal and written communication

Organizational & project management

Problem solving

Team collaboration

Education

BA/BS in Finance, Accounting, or Business

Tools

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Job description

• Travel Required : No

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 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 skillsOutstanding 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!

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.

Travel Required

No .

Microsoft Word

Advanced

Microsoft Excel

Advanced

Education

Required

Bachelors or better in Finance or related field.

Experience

Required

14+ months of Manufactured Housing Commercial lending experience OR

2 years:

Experience in commercial credit, structuring, and financial statement analysis, banking, finance, and/or loan servicing

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.