ABOUT THE ROLE
CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Senior Commercial Credit Analyst 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 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.
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 documentationPerform cash flow analysis, global cash flow assessments and pro forma forecasting and scalingFull understanding of entity legal ownership structure and providing clear, concise explanation of themEnsure appropriate security instruments are recommended based on risk profile and ownership structurePresent recommendation, details and financial analysis to the appropriate authority levelOwnership of UCC process (filing, search and notification) to ensure properly perfectedTimely communication to stakeholders (Dealer, Manufacturer, Sales and Management) through the processObtain answers to any questions regarding financials, credit line requests, structure, and other relevant factorsMaintain a stakeholder focus throughout the underwriting process, exceeding service level commitmentsPrepare legal documents and follow up to ensure necessary documentation is receivedFinal review of loan documentation and audit prior to loan fundingPerform periodic account reviews and maintenanceServe as a key contributor in high-exposure or policy-sensitive credit decisionsSupport the development of junior analysts by sharing knowledge, answering questions, and modeling effective credit analysis techniquesServe as an escalation point for complex underwriting or structuring questionsInitiate training of new team members, helping them understand tools, processes, and credit policiesProactively support the department supervisor during their absence by helping coordinate daily tasks and maintaining workflow continuityProvide structured feedback and contribute to performance development of junior staffLead complex credit reviews as a subject matter expert and interface with corporate on credit initiativesLead underwriting of complex commercial loan structures, including multi-entity and cross-collateralized transactionsEvaluate complex borrower and guarantor structures, including multi-entity and layered ownership arrangementsIndependently present credit recommendations to senior leadership and credit committeeAct as a subject matter resource for junior and mid-level analysts, providing guidance on structuring, risk assessment, and documentationMaintain general awareness of borrower performance and escalated risks in partnership with ServicingCoordinate closely with legal, compliance, and operations teams to ensure alignment on complex structures and documentation requirementsIdentify process improvements and contribute to the development of underwriting tools, templates, and best practicesCoordinate with legal, compliance, and operations teams to ensure alignment on complex deal structuresActively develop and refine credit policy and risk rating modelsTake ownership of high-profile or time-sensitive credit requests, ensuring timely and accurate executionProactively identify issues, inefficiencies, or risks and present actionable, well-developed solutions and recommendations to leadershipPartner with cross-functional teams to improve scalability, efficiency, and consistency across underwriting workflowsParticipate in strategic initiatives related to product development, credit expansion, or operational enhancementsMentor and coach Analyst I and II team members, providing structured feedback and informal trainingComplete ad hoc projects as needed
POSITION REQUIREMENTS, CAPABILITIES & SKILLS
Superior analytical skillsExcellent verbal and written communication skillsOutstanding organizational and project management skillsExtraordinary interpersonal skills to collaborate with stakeholdersImpeccable work ethic with an ability to meet deadlines while multi-taskingAbility to identify and resolve problems in a timely mannerEffective decision-making, customer service and problem-solving skillsStrong attention to detail and accuracyAbility to work effectively in and lead in a team environmentAbility to balance customer needs with organizational goals by structuring solutions that are both client-focused and aligned with risk and profitability standardsExpert credit analysis and structuring capabilitiesRefined leadership and mentoring skillsElite ability to manage multiple high priority deals simultaneouslyAdvanced ability to influence cross-functional teams and drive resultsComfortable working with and presenting to senior leadership and external stakeholdersAssertive leadership capabilities and executive presentation skillsMINIMUM QUALIFICATIONS
BA/BS degree required in Finance, Accounting, or Business5+ years of Commercial manufactured housing floorplan experience in credit, structuring, and financial statement analysis OR7+ years of experience in commercial credit, financial analysis, loan structuring, banking, servicing, project management, or credit methodology development with 2+ years’ experience in floorplan financingAdvanced to expert MS Office skills, especially Excel and PowerPointWE OFFER
Competitive SalaryMedical/Dental/Vision InsurancePaid Holidays401K MatchGenerous PTOFSA/HSA PlansLife /Disability/Accidental Insurance and much more!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.
Disclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.
Read LessABOUT THE ROLE
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.
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 documentationPerform cash flow analysis, global cash flow assessments and pro forma forecasting and scalingFull understanding of entity legal ownership structure and providing clear, concise explanation of themEnsure appropriate security instruments are recommended based on risk profile and ownership structurePresent recommendation, details and financial analysis to the appropriate authority levelOwnership of UCC process (filing, search and notification) to ensure properly perfectedTimely communication to stakeholders (Dealer, Manufacturer, Sales and Management) through the processObtain answers to any questions regarding financials, credit line requests, structure, and other relevant factorsMaintain a stakeholder focus throughout the underwriting process, exceeding service level commitmentsPrepare legal documents and follow up to ensure necessary documentation is receivedFinal review of loan documentation and audit prior to loan fundingPerform periodic account reviews and maintenanceServe as a key contributor in high-exposure or policy-sensitive credit decisionsSupport the development of junior analysts by sharing knowledge, answering questions, and modeling effective credit analysis techniquesServe as an escalation point for complex underwriting or structuring questionsInitiate training of new team members, helping them understand tools, processes, and credit policiesProactively support the department supervisor during their absence by helping coordinate daily tasks and maintaining workflow continuityProvide structured feedback and contribute to performance development of junior staffLead complex credit reviews as a subject matter expert and interface with corporate on credit initiativesLead underwriting of complex commercial loan structures, including multi-entity and cross-collateralized transactionsEvaluate complex borrower and guarantor structures, including multi-entity and layered ownership arrangementsIndependently present credit recommendations to senior leadership and credit committeeAct as a subject matter resource for junior and mid-level analysts, providing guidance on structuring, risk assessment, and documentationMaintain general awareness of borrower performance and escalated risks in partnership with ServicingCoordinate closely with legal, compliance, and operations teams to ensure alignment on complex structures and documentation requirementsIdentify process improvements and contribute to the development of underwriting tools, templates, and best practicesCoordinate with legal, compliance, and operations teams to ensure alignment on complex deal structuresActively develop and refine credit policy and risk rating modelsTake ownership of high-profile or time-sensitive credit requests, ensuring timely and accurate executionProactively identify issues, inefficiencies, or risks and present actionable, well-developed solutions and recommendations to leadershipPartner with cross-functional teams to improve scalability, efficiency, and consistency across underwriting workflowsParticipate in strategic initiatives related to product development, credit expansion, or operational enhancementsMentor and coach Analyst I and II team members, providing structured feedback and informal trainingComplete ad hoc projects as neededUnderwrite income-producing real estate transactions, including manufactured housing communities (MHC), using Net Operating Income (NOI), DSCR, and LTV-based methodologiesAnalyze rent rolls, operating statements, and market data to determine stabilized property performance and cash flowEvaluate and normalize operating expenses, including real estate taxes, insurance, management fees, and capital reserve requirementsReview and interpret third-party reports, including appraisals (income approach), Phase I Environmental Site Assessments, and Property Condition Assessments, identifying risks and structural considerationsApply agency-style underwriting standards, including Fannie Mae (FNMA) multifamily guidelines, in the evaluation of real estate-secured transactionsAssess lease structures, tenant composition, and site-level economics to ensure compliance with underwriting standards and long-term cash flow stabilityIntegrate inventory-based (floorplan) lending analysis with real estate-secured underwriting to evaluate overall borrower exposure and risk across multiple lending structuresAnalyze 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 recommendationsSupport development and refinement of underwriting standards and credit policy related to multifamily and MHC lending products
POSITION REQUIREMENTS, CAPABILITIES & SKILLS
Superior analytical skillsExcellent verbal and written communication skillsOutstanding organizational and project management skillsExtraordinary interpersonal skills to collaborate with stakeholdersImpeccable work ethic with an ability to meet deadlines while multi-taskingAbility to identify and resolve problems in a timely mannerEffective decision-making, customer service and problem-solving skillsStrong attention to detail and accuracyAbility to work effectively in and lead in a team environmentAbility to balance customer needs with organizational goals by structuring solutions that are both client-focused and aligned with risk and profitability standardsExpert credit analysis and structuring capabilitiesRefined leadership and mentoring skillsElite ability to manage multiple high priority deals simultaneouslyAdvanced ability to influence cross-functional teams and drive resultsComfortable working with and presenting to senior leadership and external stakeholdersAssertive leadership capabilities and executive presentation skillsAbility to underwrite income-producing real estate assets using NOI-based cash flow analysis and stabilization methodologiesStrong understanding of commercial real estate fundamentals, including cap rates, valuation approaches, and market-based income assumptionsCapability to interpret and apply agency-style underwriting frameworks, including Fannie Mae Selling & Servicing Guide requirementsExperience analyzing complex ownership structures and integrating real estate collateral with broader commercial lending structuresMINIMUM QUALIFICATIONS
BA/BS degree required in Finance, Accounting, or Business5+ years of Commercial manufactured housing floorplan experience in credit, structuring, and financial statement analysis, with demonstrated ability to underwrite complex commercial transactions, OR7+ 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 transactionsPrevious experience in floorplan financing required, with the ability to integrate inventory-based lending with real estate-secured transactions25–30% of total professional experience in multifamily or commercial real estate underwriting, including income-producing real estate assetsDemonstrated experience constructing and analyzing Net Operating Income (NOI) and applying DSCR- and LTV-based loan sizing methodologiesExperience reviewing and interpreting third-party reports, including appraisals (income approach), Phase I Environmental Site Assessments, and Property Condition AssessmentsFamiliarity with Fannie Mae (FNMA), Freddie Mac, or FHA multifamily underwriting guidelines and the ability to interpret and apply structured agency credit standardsExperience evaluating rent rolls, market rents, vacancy assumptions, and stabilized operating expenses preferredAdvanced to expert MS Office skills, especially Excel and PowerPointWE OFFER
Competitive SalaryMedical/Dental/Vision InsurancePaid Holidays401K MatchGenerous PTOFSA/HSA PlansLife /Disability/Accidental Insurance and much more!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.
Disclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.
Read Less