Job Description
ABOUT THE ROLE
CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Commercial Credit Analyst II to help grow our Commercial Lending Department. This in-person role is in our Plano, TX office. The Commercial Credit Analyst II 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 ability to provide clear, concise explanation of them
- 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 stakeholders (Dealer, Manufacturer, Sales and Management) through the process
- Obtain answers to any questions regarding financials, credit line requests, structure, and other relevant factors
- Maintain a stakeholder focus throughout the underwriting process, 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
- Support the development of junior analysts by sharing knowledge, answering questions, and modeling effective credit analysis techniques
- Assist in training new team members, helping them understand tools, processes, and credit policies
- Provide coverage during team absences to maintain workflow continuity
- Join complex credit reviews to build subject matter expertise
- Contribute to a collaborative team by offering peer-to-peer feedback and promoting open communication
- Participate in complex credit reviews alongside senior analysts, gradually building subject matter expertise.
- 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
- Advanced 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
- Willingness to learn and grow in a fast-paced environment
- Effective decision-making, customer service and problem-solving skills
- Strong attention to detail and accuracy
- Ability to work effectively in a team environment
MINIMUM QUALIFICATIONS
- BA/BS degree required in Finance, Accounting, or Business
- 14+ months of Manufactured Housing Commercial lending experience OR
- 2+ years of experience in commercial credit, structuring, and financial statement analysis, banking, finance, and/or loan servicing
- Intermediate to advanced MS Office skills 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!
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