Senior Commercial Credit Analyst - Floorplan

Palmharborhomes; Plano (TX); On-site; USD 80,000 - 100,000; Full time

Job summary

A leading nationwide lender is seeking a Senior Commercial Credit Analyst to enhance their Commercial Lending Department in Plano, TX. The successful candidate will be responsible for underwriting loans, cash flow analysis, and mentoring junior analysts. This role requires a strong background in commercial lending, analytical capabilities, and excellent communication skills to maintain stakeholder focus.

Benefits

Competitive Salary

Medical/Dental/Vision Insurance

Paid Holidays

401K Match

Generous PTO

FSA/HSA Plans

Life/Disability/Accidental Insurance

Qualifications

• 5+ years of commercial lending experience in credit and financial analysis.
• Intermediate to advanced MS Office skills, especially in Excel.
• Ability to mentor junior analysts and lead training initiatives.

Responsibilities

• Underwrite commercial loan requests by analyzing financial conditions.
• Mentor and coach junior analysts on credit evaluation and risk assessment.
• Communicate effectively with stakeholders throughout the underwriting process.

Skills

Analytical skills

Communication skills

Organizational skills

Interpersonal skills

Leadership capabilities

Education

BA/BS degree in Finance, Accounting, or Business

Tools

MS Office (Excel, Word, PowerPoint)

Job description

Senior Commercial Credit Analyst - Floorplan

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Senior Commercial Credit Analyst - Floorplan

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About The Role

CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Senior Commercial Credit Analyst to help grow our Commercial Lending Department. This in-person role is in our Plano, TX office. The

• 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 providing clear, concise explanation of those structures
• 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 key stakeholders (Dealer, Manufacturer, Sales and Management) through the process
• Obtain answers to any questions regarding the financials, credit line requests, structure, and other relevant factors
• Maintain a stakeholder focus throughout the underwriting process, meeting and 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
• Mentor and coach junior analysts, offering guidance on credit evaluation, risk assessment, and industry best practices to support their growth and performance
• Lead training initiatives to onboard new team members and continuously upskill less experienced analysts
• Act as a proxy for the department supervisor when needed, including representing the team in meetings, making operational decisions, and ensuring workflow continuity
• Promote a collaborative and supportive team culture by providing constructive feedback and fostering knowledge sharing
• Serve as a subject matter expert (SME) on complex credit matters, assisting with escalated reviews and contributing to process improvements
• Complete ad hoc projects as needed
  
  

About The Role

CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Senior Commercial Credit Analyst to help grow our Commercial Lending Department. This in-person role is in our Plano, TX office. The Senior Commercial Credit Analyst - Floorplan 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 providing clear, concise explanation of those structures
• 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 key stakeholders (Dealer, Manufacturer, Sales and Management) through the process
• Obtain answers to any questions regarding the financials, credit line requests, structure, and other relevant factors
• Maintain a stakeholder focus throughout the underwriting process, meeting and 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
• Mentor and coach junior analysts, offering guidance on credit evaluation, risk assessment, and industry best practices to support their growth and performance
• Lead training initiatives to onboard new team members and continuously upskill less experienced analysts
• Act as a proxy for the department supervisor when needed, including representing the team in meetings, making operational decisions, and ensuring workflow continuity
• Promote a collaborative and supportive team culture by providing constructive feedback and fostering knowledge sharing
• Serve as a subject matter expert (SME) on complex credit matters, assisting with escalated reviews and contributing to process improvements
• Complete ad hoc projects as needed
  
  

Position Requirements, Capabilities & Skills

• Superior analytical skills
• Excellent verbal and written communication skills
• Outstanding organizational and project management skills
• 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
• Effective decision-making, customer service and problem-solving skills
• Strong attention to detail and accuracy
• Ability to work effectively in a team environment
• Recognized leadership capabilities and executive presentation skills
  
  

Minimum Qualifications

• BA/BS degree required in Finance, Accounting, or Business
• 5+ years of Commercial lending experience in credit, structuring and financial statement analysis required
• Intermediate to advanced MS Office skill in Excel, Word and PowerPoint
  
  

WE OFFER

• Competitive Salary
• 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 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.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Construction

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