Senior Credit Analyst - Commercial, Community & Multifamily Lending

Senior Credit Analyst – Commercial, Community & Multifamily Lending

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 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

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
• 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

• 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
• Experience evaluating rent rolls, market rents, vacancy assumptions, and stabilized operating expenses preferred
• Advanced to expert MS Office skills, especially