Credit Analyst

Cavco Industries, Inc.; Plano (TX); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical/Dental/Vision Insurance

Paid Holidays

401K Match

Generous PTO

Life/Disability/Accidental Insurance

Job summary

Cavco Industries, CountryPlace Mortgage is seeking a Consumer Lending Credit Analyst in Plano, TX to review loan documentation and verify adherence to program guidelines. The role collaborates with loan officers to keep the process smooth for retailers and borrowers at all times.

The analyst will assess income, assets, property documentation and credit reports to ensure compliance with guidelines and program requirements.

Qualifications

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

Responsibilities

• Reviews loan submissions and ensures they meet program guidelines.
• Calculates qualification ratios for loans and underwrites home and land-home loans.
• Reviews credit reports, surveys, title policies and appraisals.
• Collaborates with loan officers to facilitate a smooth loan process for retailers and borrowers.
• Maintains relationships with coworkers and supports department objectives.

Skills

Analytical skills

Written communication

Time management

Detail oriented

Problem solving

Team player

Interpersonal skills

Ownership

Education

Bachelor's degree in relevant field

Tools

Microsoft Office

Job 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
• Calculates qualification ratios for loans
• 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
• Reviews credit bureaus ensuring borrower credit meets program guidelines
• 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
• Positive & professional demeanor
• 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
• 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.

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 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

Education

Required

Bachelors

Experience

Required2 years

Experience in consumer credit analysis or underwriting -OR-

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.