Commercial Credit Analyst II

The Cavco Family of Companies•Plano, TX

2d•Onsite

About The Position

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.

Requirements

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
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
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.

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.
Consistently meets and exceeds individual, team and department objectives
Perform other duties and special projects as assigned