Sr Credit Officer Ii

Why Us? Many organizations talk about making a difference in the world.

At Farm Credit Bank of Texas, it’s more than talk. That’s because we have a central role financing the ag producers and businesses that supply the world with food, fiber and so much more. And while you’re playing your part helping feed the world, we contribute to your personal success, too, with competitive compensation and a generous health-and-wellness benefits package.

You can grow your skills using our online catalog of thousands of training options while working in a modern hybrid workplace located below the bluffs of the Colorado River just northwest of downtown Austin.

Position Description: We are searching for a Sr. Credit Officer.

The Sr. Credit Officer will thoroughly analyze and underwrite assigned participation accounts and offers, along with the servicing of such assigned accounts. The position will assist the Association Relationship Managers in the analysis, servicing, and reporting of the bank’s direct loans to associations and loan participations.

The position will also require the individual to develop industry and peer group analysis, portfolio analysis, and other special projects as assigned.

• Performs financial analysis, credit administration, monitoring and due diligence as necessary on official loans, excess loans, and loan participation packages received from district associations or other commercial lenders.
• Acts upon association official and excess, prior approval loans and loan servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.
• Interprets, communicates, and provides guidance to associations regarding sound lending practices.
• Interprets and acts upon various legal, title and other questions which may arise on loans.
• Assists in developing and administering lending programs, as well as developing and revising operating procedures relating to lending operations.
• Assists management in evaluation of the bank’s direct and OFI lending programs.
• Assists in the development and closing of complex loans by assisting th e district associations with analysis and negotiation of such credits.
• Development of loan participation and correspondent banking relationships with other lenders.

The incumbent will manage complex loan relationships as directed by supervisor, manager of commercial credit.

• Assists other bank personnel in completing coordinated projects as assigned.
• Serves as a trainer/mentor to develop credit skills of officers and other department and bank staff.

A Bachelor’s Degree in agriculture economics, finance, business administration or other related business field or commensurate experience and ten (10) or more years’ experience in all facets of lending including the marketing, extension, administration and analysis of commercial credits and agriculture production loans. The incumbent should have experience and knowledge in the analysis of complex credits, as well as negotiating and dealing with large loans over $5 million. The incumbent should have experience working with management and senior loan officers of other financial institutions in the structuring and evaluating of official loans, excess loans (above delegated authorities), loan participations and analysis of direct loan/correspondent lending relationships.

This position requires skill and knowledge in credit administration, financial analysis, the use of various loan analysis software programs, accounting standards, credit policies and pr ocedures, as well as program and product development. Excellent computer, interpersonal, public speaking and communication skills are required. A thorough knowledge is required of financial statement analysis, forecasting models, cash flow budgets, collateral analysis, appraisal standards and payment performance in the areas of agriculture production loans, mortgage loans and commercial credits.

Must be able to accurately identify, measure and manage risk in loans, loan portfolios and direct loans. This position will require time management skills with travel up to 25 percent.

Why Farm Credit Bank of Texas: In addition to a competitive salary, we offer comprehensive, affordable, and competitive benefit options that are focused on health and wellness, financial security, and achieving a work-life balance:

• Flexible health-and-wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending ac counts, and more.
• 401(k) plan that includes an employer match and additional employer contribution
• Long-term disability and life insurance
• Vacation leave, sick leave, and paid holidays
• Option to use sick leave to take your pet to the vet for emergency services
• Up to five days per year to volunteer in local community organizations, services, or events
• Ongoing professional-development opportunities
• Generous tuition-reimbursement program
• Physical fitness incentive plan
• Employer matching gifts program

Who we are: We are a $36.9 billion wholesale bank that’s been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending associations in five states and we’re active in the nation’s capital markets.

Important note: We care about your hiring process and take it seriously. A real person w ill review your applications, meaning response timelines may vary. The interviewing process at Farm Credit Bank of Texas may include phone calls and emails, on-site interviews, and requests for portfolios or demonstrations of work.

We can’t personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit.