Offres d'emploi à distance et à domicile à dimmitt ∙ Page 1

This position will be filled no earlier than January 2, 2026. 

LOCATION: 

• This position will be located in our credit office in Dimmit, Texas. 

EDUCATION REQUIREMENT:

• Bachelor’s degree in Finance, Business Administration, Ag Economics or related field, or experience deemed equivalent by Capital Farm Credit. 

 
JOB REQUIREMENTS:

• Five (5) to seven (7) years of progressively responsible banking or related agricultural lending experience, or other experience that translates to lending experience as determined at the discretion of Capital Farm Credit.
• Will require registration as a Mortgage Loan Officer under the National Mortgage Licensing System. 

JOB SUMMARY:

• Manages and maintains current relationships and seeks new accounts with the ability to manage large and complex accounts and complex credit evaluation.
• Recommends or approves loans in assigned territory within the limits of specific delegated authority.
• Develops and manages loan portfolios including loan originations in the trade area served by the association.
• Develops and implements sales strategies in order to increase client satisfaction and loan portfolio growth including the ability to design strategies for high profile/complex customers and prospects.
• Assists in training less senior relationship managers/credit personnel.
• Has considerable latitude for decision making; works under minimum supervision.
  

 
FUNCTIONS:

• Responsible for developing new business in the assigned office in addition to servicing existing commercial and real estate customers. Reviews loan analysis within the guidelines and policies of the association, processes and approves loan requests within the limits of delegated authority and in accordance with Association guidelines.
• Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection.  Works with other Association personnel including credit analysts’ ln loans exceeding delegated authority.
• Establishes business relationships with agricultural producers, rural landowners and business leaders in the community and cultivates these relationships to expand lending opportunities.
• Represents the association at local and regional community and market related activities.  Promotes the association by maintaining good public and member relations and assists with or attends corporate functions.
• Makes and services leases, loans for operating equipment and real estate, and offering other related services such as cash management products and crop insurances within delegated authority and in accordance with association policies. Makes and/or conveys decisions on loan approval, structure and pricing. Responsible for exercising credit risk management responsibilities on loans within area of responsibility.
• Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities.  Secures background and credit history on new loans, repeat loans and renewals.  Provides for evaluation of loan collateral in accordance with association policies and procedures.  Works with loan process to ensure proper lien perfection on all collateral.
• Develops proficiency in complex credit analyses.  Reviews balance sheets, income statements and cash flows of potential borrows to ascertain creditworthiness.  Works with credit analysts on loans in process and maintains current, adequate and verified financial information on borrowers and guarantors as required by Association.
• Performs loan servicing tasks, which may include partial releases, re-amortizations, assumptions, additional advances, extensions, conversions, insurance claims, subordinations to mineral leases and right of ways, division orders, and severance agreements. 
• Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
• Complies with proper credit administration practices as outlined in the association’s policies and procedures.
• Assists staff and management with collections on all loans in the portfolio.  Works with delinquent borrowers to obtain satisfactory loan performance.
• Assures that loan covenants are maintained as required.
• Assists with the title examination process on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels.  Reviews loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA polices and regulations.
• May perform appraisals, inspections and/or collateral evaluations in compliance with District and Association standards and procedures. May assist with or attend public relations functions for the Association.

PREFERRED SKILLS:

• Ability to work well with and engage people on a continual basis as a representative of the Association to build good will and rapport.
• Ability to function within fast paced, competitive situations with high profile/complex customers.
• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Outstanding communication skills.
• Skill in oral and written communication.
• Basic skill level in Microsoft Office Applications.
• Ability to perform basic to intermediate-level accounting/financial analyses under moderate supervision.

 
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