Senior Credit Analyst – Commercial, Community & Multifamily Lending

Palm Harbor Homes•Plano, TX

11h•Onsite

About The Position

CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Senior Credit Analyst – Commercial, Community & Multifamily Lending to help grow our Commercial Lending Department. This in-person role is in our Plano, TX office. The Senior Commercial Credit Analyst is responsible for leading complex underwriting, credit structuring, and front-end risk evaluation for floorplan lines and other commercial lines. This role will also support the evaluation and underwriting of manufactured housing community (MHC) and other multifamily real estate transactions in alignment with agency (FNMA) guidelines. This role is also expected to lead and contribute to special projects and strategic initiatives that enhance underwriting efficiency, risk management, and overall departmental effectiveness. The ideal candidate approaches challenges proactively, coming to the table with well-thought-out solutions, recommendations, and a strong point of view rather than simply identifying issues. This individual operates with a high degree of ownership, critical thinking, and initiative, consistently anticipating needs and driving outcomes.

Requirements

Superior analytical skills
Excellent verbal and written communication skills
Outstanding organizational and project management skills
Extraordinary interpersonal skills to collaborate with stakeholders
Impeccable 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 and lead in a team environment
Ability to balance customer needs with organizational goals by structuring solutions that are both client-focused and aligned with risk and profitability standards
Expert credit analysis and structuring capabilities
Refined leadership and mentoring skills
Elite ability to manage multiple high priority deals simultaneously
Advanced ability to influence cross-functional teams and drive results
Comfortable working with and presenting to senior leadership and external stakeholders
Assertive leadership capabilities and executive presentation skills
Ability to underwrite income-producing real estate assets using NOI-based cash flow analysis and stabilization methodologies
Strong understanding of commercial real estate fundamentals, including cap rates, valuation approaches, and market-based income assumptions
Capability to interpret and apply agency-style underwriting frameworks, including Fannie Mae Selling & Servicing Guide requirements
Experience analyzing complex ownership structures and integrating real estate collateral with broader commercial lending structures
BA/BS degree required in Finance, Accounting, or Business
5+ years of Commercial manufactured housing floorplan experience in credit, structuring, and financial statement analysis, with demonstrated ability to underwrite complex commercial transactions, OR
7+ years of experience in commercial credit, financial analysis, loan structuring, banking, servicing, project management, or credit methodology development, including direct experience underwriting income-producing or real estate-secured transactions
Previous experience in floorplan financing required, with the ability to integrate inventory-based lending with real estate-secured transactions
25–30% of total professional experience in multifamily or commercial real estate underwriting, including income-producing real estate assets
Demonstrated experience constructing and analyzing Net Operating Income (NOI) and applying DSCR- and LTV-based loan sizing methodologies
Experience reviewing and interpreting third-party reports, including appraisals (income approach), Phase I Environmental Site Assessments, and Property Condition Assessments
Familiarity with Fannie Mae (FNMA), Freddie Mac, or FHA multifamily underwriting guidelines and the ability to interpret and apply structured agency credit standards
Advanced to expert MS Office skills, especially Excel and PowerPoint

Nice To Haves

Experience evaluating rent rolls, market rents, vacancy assumptions, and stabilized operating expenses preferred

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
Perform cash flow analysis, global cash flow assessments and pro forma forecasting and scaling
Full understanding of entity legal ownership structure and providing 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
Perform periodic account reviews and maintenance
Serve as a key contributor in high-exposure or policy-sensitive credit decisions
Support the development of junior analysts by sharing knowledge, answering questions, and modeling effective credit analysis techniques
Serve as an escalation point for complex underwriting or structuring questions
Initiate training of new team members, helping them understand tools, processes, and credit policies
Proactively support the department supervisor during their absence by helping coordinate daily tasks and maintaining workflow continuity
Provide structured feedback and contribute to performance development of junior staff
Lead complex credit reviews as a subject matter expert and interface with corporate on credit initiatives
Lead underwriting of complex commercial loan structures, including multi-entity and cross-collateralized transactions
Evaluate complex borrower and guarantor structures, including multi-entity and layered ownership arrangements
Independently present credit recommendations to senior leadership and credit committee
Act as a subject matter resource for junior and mid-level analysts, providing guidance on structuring, risk assessment, and documentation
Maintain general awareness of borrower performance and escalated risks in partnership with Servicing
Coordinate closely with legal, compliance, and operations teams to ensure alignment on complex structures and documentation requirements
Identify process improvements and contribute to the development of underwriting tools, templates, and best practices
Coordinate with legal, compliance, and operations teams to ensure alignment on complex deal structures
Actively develop and refine credit policy and risk rating models
Take ownership of high-profile or time-sensitive credit requests, ensuring timely and accurate execution
Proactively identify issues, inefficiencies, or risks and present actionable, well-developed solutions and recommendations to leadership
Partner with cross-functional teams to improve scalability, efficiency, and consistency across underwriting workflows
Participate in strategic initiatives related to product development, credit expansion, or operational enhancements
Mentor and coach Analyst I and II team members, providing structured feedback and informal training
Complete ad hoc projects as needed
Underwrite income-producing real estate transactions, including manufactured housing communities (MHC), using Net Operating Income (NOI), DSCR, and LTV-based methodologies
Analyze rent rolls, operating statements, and market data to determine stabilized property performance and cash flow
Evaluate and normalize operating expenses, including real estate taxes, insurance, management fees, and capital reserve requirements
Review and interpret third-party reports, including appraisals (income approach), Phase I Environmental Site Assessments, and Property Condition Assessments, identifying risks and structural considerations
Apply agency-style underwriting standards, including Fannie Mae (FNMA) multifamily guidelines, in the evaluation of real estate-secured transactions
Assess lease structures, tenant composition, and site-level economics to ensure compliance with underwriting standards and long-term cash flow stability
Integrate inventory-based (floorplan) lending analysis with real estate-secured underwriting to evaluate overall borrower exposure and risk across multiple lending structures
Analyze borrower business models that include both inventory financing and real estate assets, ensuring appropriate structuring and risk segmentation. Identify risks associated with income variability, market conditions, and property-level performance, and incorporate appropriate mitigants into credit recommendations
Support development and refinement of underwriting standards and credit policy related to multifamily and MHC lending products