Credit Analyst

Palm Harbor Homes•Plano, TX

4d•Onsite

About The Position

CountryPlace Mortgage, a nationwide personal property, mortgage, and commercial lender headquartered in Plano, Texas, is seeking a Consumer Lending Credit Analyst for its Originations Department. This is an in-person position in the Plano office. The analyst reviews loan documentation and determines whether applications and approvals meet program guidelines, while collaborating with loan officers to support a smooth process for retailers and borrowers. The position reviews and underwrites consumer loan submissions, including home-only and Land Home loans, and evaluates borrower credit, income, assets, property, surveys, title policies, and appraisals. The analyst also responds to colleagues’ questions, maintains positive working relationships, and may assist with training, process guides, application entry, and other assigned work. The employer notes that duties may extend beyond the listed responsibilities as needed.

Requirements

Bachelor’s degree in Marketing, Business, Accounting, Finance, or Management.
At least 2 years of experience in consumer credit analysis or underwriting, or prior experience in manufactured housing lending.
Working knowledge of Microsoft Office.
Strong analytical skills.
Excellent written, verbal, and interpersonal communication skills.
Strong work ethic and ability to meet deadlines while multitasking.
Strong attention to detail and accuracy.
Ability to identify and resolve problems in a timely manner.
Strong organizational and time-management skills, including the ability to multitask.
Effective decision-making, customer-service, and problem-solving skills.
Ability to strategize and prioritize efforts to achieve goals.
Strong research and critical-thinking skills.
Ability to work well with a wide range of people and effectively in a team environment.
Positive and professional demeanor; self-starter with strong organizational skills.
Highly organized, consistent, solutions-focused, and able to demonstrate urgency and ownership.
Self-motivated, with the ability to work independently.
Applicants must be authorized to work for any employer in the United States; visa sponsorship is not available.
Local candidates only; relocation is not available.

Responsibilities

Review loan submissions from Loan Officers and Loan Processors.
Calculate loan qualification ratios.
Ensure loans meet program requirements.
Answer questions from Loan Officers, Lending Associates, and Loan Processors.
Review and calculate income, asset, property, and other documentation to ensure loan applications comply with guidelines.
Review surveys, title policies, and appraisals.
Underwrite home-only and Land Home loans.
Review credit bureaus to ensure borrower credit meets program guidelines.
Maintain positive working relationships with co-workers.
Meet and exceed individual, team, and department objectives.
Perform additional tasks and special projects as assigned, including training others, building process training guides, and application entry.