Credit Analyst

Palm Harbor Homes; Plano (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical/Dental/Vision Insurance

401K Match

Paid Holidays

Generous PTO

FSA/HSA Plans

Life /Disability/Accidental Insurance

Job summary

CountryPlace Mortgage in Plano, TX seeks a Consumer Lending Credit Analyst to review loan documentation and verify program compliance. This in-person role supports loan officers to ensure smooth processing for retailers and borrowers.

You will assess income, assets, surveys, titles, and appraisals while underwriting both home and land-home loans, maintaining strong cross-team collaboration and meeting department targets.

Qualifications

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

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 training others, building process training guides, application entry.

Skills

Analytical skills

Communication skills

Attention to detail

Time management

Problem solving

Teamwork

Self-motivation

Ability to multitask

Education

Bachelor's degree in Marketing/Business/Accounting/Finance/Management

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

• 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

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.

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.