Senior Credit Analyst – Commercial, Community & Multifamily Lending

About 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.

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
• 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
• 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
• Carefully 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
• 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
• Evaluate complex ownership structures and integrate real estate collateral with broader commercial 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

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
• Absolute 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

Minimum Qualifications

• Bachelor's Degree 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
• Experience evaluating rent rolls, market rents, vacancy assumptions, and stabilized operating expenses preferred
• Advanced to expert MS Office skills, especially Excel and PowerPoint