Credit Analyst

CountryPlace Mortgage - A Cavco Company; Plano (TX); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Competitive salary

Bonus

Paid holidays

401K match

Generous PTO

FSA/HSA plans

Insurance (life/disability)

Job summary

CountryPlace Mortgage, a Cavco Company, seeks a Consumer Lending Credit Analyst to join the Plano, TX office. You’ll review loan submissions, verify program compliance, and work with loan officers to keep the process smooth for retailers and borrowers.

The ideal candidate has a bachelor’s degree in a related field, 2+ years in consumer credit analysis or underwriting, and strong analytical and communication skills. This in-person role offers competitive compensation and benefits.

Qualifications

• Bachelor’s degree in Marketing, Business, Accounting, Finance or Management.
• 2+ years of experience in consumer credit analysis or underwriting.
• Working knowledge of Microsoft Office.

Responsibilities

• Review loan submissions from Loan Officers and Processors.
• Ensure loans meet program requirements and guidelines.
• Calculate income, assets and other documentation to ensure compliance.
• Underwrite home and manufactured housing loans as needed.
• Collaborate with loan officers to maintain smooth processing.

Skills

Strong analytical skills

Excellent communication

Attention to detail

Multitasking

Team collaboration

Education

Bachelor's degree in Marketing, Business, Accounting, Finance or Management

Bachelor's degree in Finance or related field

Tools

Microsoft Excel

Job description

Description

ABOUT THE ROLE

CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Consumer Lending Credit Analyst to help grow our Originations Department. This in-person role is in our Plano, TX office. The Credit Analyst is responsible for reviewing loan documentation and determining if loan applications and approvals meet program guidelines. The Credit Analyst will collaborate with loan officers to ensure a smooth process for retailers and borrowers at all times.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Reviews loan submissions from Loan Officers and Loan Processors
• Ensures loans meet program requirements
• Answers questions for Loan Officers, Lending Associates, and Loan Processors
• Accurately review and calculate income, asset, property, and other documentation to ensure loan applications comply with guidelines
• Reviews surveys, title policies, and appraisals
• Proficiently underwrites home only and Land Home loans
• Develops and maintains positive working relationship with co-workers
• Additional tasks as requested including but not limited to training others, building process training guides, application entry, and other tasks upon request
• Maintains a positive working relationships with co-workers
• 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 written, verbal and interpersonal communication skills
• Strong work ethic with an ability to meet deadlines while multi-tasking
• Strong attention to detail and accuracy
• Ability to identify and resolve problems in a timely manner
• Strong organization and time management skills with the ability to multi-task
• Effective decision-making, customer service and problem-solving skills
• Ability to strategize and prioritize efforts to achieve goals
• Strong research and critical thinking skills
• Good problem-solving and decision-making skills
• Strong interpersonal skills and ability to work well with a wide range of people
• Self-starter with strong organizational skills
• Highly organized, consistent, and solutions focused
• Employ a strong sense of urgency and ownership in all activities
• Self-motivated with the ability to work independently
• Ability to work effectively in a team environment

MINIMUM QUALIFICATIONS

• Bachelor's degree required, in Marketing, Business, Accounting, Finance or Management
• 2+ years of experience in consumer credit analysis or underwriting -OR-
• Prior experience in manufactured housing lending
• Working knowledge of Microsoft Office

WE OFFER

• Competitive Salary plus bonus
• 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

Some Knowledge

Education

Required

Bachelors or better in Finance or related field.

Experience

Required

2 years:

2 years: Experience in consumer credit analysis or underwriting -OR-

Prior experience in manufactured housing lending

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.