Credit Analyst

The Cavco Family of Companies • Plano, TX

7d • Onsite

About The Position

CountryPlace Mortgage is seeking a Consumer Lending Credit Analyst to support the growth of its Originations Department. This in-person position is based at the company’s Plano, Texas office. The Credit Analyst reviews loan documentation and determines whether applications and approvals meet program guidelines, working with loan officers to support a smooth process for retailers and borrowers. The role includes reviewing and underwriting home-only and Land Home loans, assessing borrower credit and documentation, and contributing to team objectives and process support.

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, research, and critical-thinking skills.
• Excellent written, verbal, and interpersonal communication skills.
• Strong attention to detail and accuracy.
• Ability to meet deadlines while multitasking and to prioritize work effectively.
• Strong organization and time-management skills.
• Effective decision-making, customer-service, and problem-solving skills.
• Ability to identify and resolve problems in a timely manner.
• Positive and professional demeanor; ability to work well with a wide range of people and in a team environment.
• Self-starter who is self-motivated, able to work independently, and demonstrates urgency and ownership.

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 applications comply with guidelines.
• Review surveys, title policies, and appraisals.
• Underwrite home-only and Land Home loans.
• Review credit bureaus to determine whether borrower credit meets program guidelines.
• Maintain positive working relationships with coworkers.
• Meet and exceed individual, team, and department objectives.
• Perform additional tasks and special projects as assigned, including training others, creating process training guides, and entering applications.

Benefits

• Competitive salary plus bonus
• Medical, dental, and vision insurance
• Paid holidays
• 401(k) match
• Generous PTO
• FSA/HSA plans
• Life, disability, and accidental insurance

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level