Senior Commercial Credit Analyst

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 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

POSITION REQUIREMENTS, CAPABILITIES & SKILLS

• 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

MINIMUM QUALIFICATIONS

• BA/BS degree required in Finance, Accounting, or Business


• 5+ years of Commercial manufactured housing floorplan experience in credit, structuring, and financial statement analysis OR


• 7+ years of experience in commercial credit, financial analysis, loan structuring, banking, servicing, project management, or credit methodology development with 2+ years’ experience in floorplan financing


• Advanced to expert MS Office skills, especially Excel and PowerPoint

WE OFFER

• Competitive Salary


• Medical/Dental/Vision Insurance


• Paid Holidays


• 401K Match


• Generous PTO


• FSA/HSA Plans


• Life /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.