Commercial Credit Officer at Capital Farm Credit

LOCATION:

• The preferred location for this position is Round Rock, Texas.

EDUCATION REQUIREMENT:

• Bachelor’s degree in finance, Accounting, Agribusiness, Business Administration or a related field.

JOB REQUIREMENTS:

• Minimum six (6) years of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases, or equivalent experience.
• Experience in structuring and evaluating complex loan, lease and credit servicing actions is essential, and requires proficiency in oral and written communication.

FUNCTIONS:

• Collaborates with Commercial and Capital Markets Relationship Managers, Special Assets Officers and Loan Administrators in structuring, analysis, and servicing of the Association’s largest and most complex borrowers' loans and leases.
• Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers and borrowers to ascertain credit worthiness. Determines appropriate Probability of Default {PD} rating for loans and leases.
• Analyzes collateral and borrower primary and secondary repayment sources. Determines appropriate Loss Given Default (LGD) rating for loans and leases.
• Demonstrates a strong understanding of key ratio analysis, and the relationship of those ratios on the various financial statements (balance sheet, income statement, cash flow statement, etc).
• Exercises sound credit judgment to develop unique financing and structuring solutions for a diverse customer base. Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues
• Develops, manages, and monitors loan portfolios including commercial loan originations and capital markets loan participation packages.
• Interprets, communicates, and provides guidance regarding association lending policies and procedures.
• Reviews and approves loans and leases submitted by other lending staff that exceed their delegated authority.
• Ensures compliance with Association policies and procedures.
• Performs credit servicing tasks, which may include partial releases, subordination to mineral leases and right of ways, division orders, re-amortizations, assumptions, severance agreements, and insurance claims.
• Presents credit packages to loan committee/senior management with recommendation for approval or denial of loan requests.
• Provides guidance to credit analysts as needed.
• Attends public relations functions for the Association, industry conferences, and lender meetings.
• Completes coordinated projects as assigned.
• May perform collections on assigned loans and assists management with collections on all loans in the portfolio. Works with loan officers, administrators and Special Assets Group to service problem loans.
• May facilitate the loan closing process as required in accordance with all applicable association and FCA policies and regulations.

REQUIRED SKILLS:

• Strong analytical and financial analysis skills, with the ability to assess creditworthiness and conduct market research.
• Excellent communication (oral and written) and interpersonal skills, with the ability to work effectively as part of a deal team
• Ability to work independently and under minimal supervision, with appreciable latitude for decision-making.
• Proficiency in using financial analysis tools and software.
• Intermediate skill level in Microsoft Office applications.

PREFERRED SKILLS: 

• Thorough knowledge of financial credit analysis (including projections), collateral analysis, appraisal standards and repayment performance in the areas of agriculture/agribusiness loans, mortgage loans and commercial ag/operating credits.
• Knowledge of Farm Credit System and its lending practices.

DISCLAIMER:

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.

If you need a reasonable accommodation for any part of the employment process, please contact us by email at [email protected] and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.

For more information, view the EEO - Know Your Rights and Pay Transparency Statement.

At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant. AA/EOE/M/F/D/V; Full description available on request.