Senior Commercial Credit Analyst - Floorplan

Cavco Industries, Inc.; Plano (TX); On-site; USD 80,000 - 110,000; Full time

Job summary

A leading nationwide mortgage and commercial lender is seeking a Senior Commercial Credit Analyst for their Plano, TX office. The role focuses on underwriting loans, conducting financial analyses, and mentoring junior staff within a collaborative team environment. Applicants should possess strong analytical skills, a relevant degree, and a minimum of 5 years of commercial lending experience.

Benefits

Paid Holidays

401K Match

Generous PTO

FSA/HSA Plans

Life/Disability/Accidental Insurance

Qualifications

• 5+ years of commercial lending experience including credit and financial statement analysis.
• Strong analytical and communication skills essential.
• Leadership capability and ability to mentor junior analysts.

Responsibilities

• Underwriting commercial loan requests by analyzing financial statements and cash flow.
• Maintaining stakeholder communication and mentoring junior analysts.
• Presenting financial analyses and recommendations to authority levels.

Skills

Analytical skills

Communication skills

Organizational skills

Project management skills

Decision-making 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

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

• 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

Experience

Required 5 years

Commercial lending experience or equivalent including credit, structuring, financial statement analysis and marketing experience

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.

About the company

Cavco is one of the largest producers of Manufactured Housing, Park Models and Cabin Vacation Homes in the United States. Based in Phoenix, Arizona, Cavco has built a reputation for quality and value since it opened for business in 1965.

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