Senior Credit Analyst - Commercial, Community & Multifamily Lending

ABOUT

THE ROLE

Country Place 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 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…