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Credit Officer

College Station, Texas

About Us
Capital Farm Credit is the largest rural lending cooperative in Texas, serving 192 counties through nearly 70 credit offices. With over $12 billion in assets and more than 600 team members, we provide essential financial services to farmers, ranchers, rural homeowners, and agribusinesses. As part of the nationwide Farm Credit System, we are dedicated to supporting rural communities and agriculture.

Why Join Us?
We seek motivated individuals who share our core values: commitment, trust, value, and family-like respect. As a customer-owned cooperative, we align employee success with member success, offering competitive pay, growth opportunities, and a supportive environment.

Our Benefits:

  • Incentive Program: Company-wide, goals-based rewards.
  • Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 10–12 paid holidays annually.
  • Retirement: 401(k) with up to 9% employer contribution/match.
  • Health Coverage: Affordable medical, dental, and vision plans.
  • Parental Leave: 8 weeks of paid parental leave.
  • Life & Disability Insurance: Employer-paid coverage.
  • Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses.

 

At Capital Farm Credit, you’ll find more than a job—you’ll find purpose.

 

LOCATION:

  • This position may be located in College Station or another office within the Houston Market based on office space availability. 

 

EDUCATION REQUIREMENT:

  • Bachelor’s degree in Finance, Business Administration or a related field, or equivalent experience

JOB REQUIREMENTS:

  • Six (6) to seven (7) years of experience in the administration and analysis of complex credits on commercial and mortgage loans and leases.
  • Experience in structuring and evaluating complex loan, lease and credit servicing actions is essential. This may include purchased and sold loan and lease participations.
  • Preference given to either: Underwriting large, complex, dairy and feedyard credit experience preferred.

 
FUNCTIONS:

  • Provides assistance to Loan Officers, Special Assets Officers and Administrators in analysis and servicing of the Association’s 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.
  • Interprets, communicates, and provides guidance regarding Association lending policies and procedures.
  • Develops and manages loan portfolios including loan originations in the trade area served by the association.  Works with complex loans and 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.
  • Complies with proper credit administration practices as outlined in the association’s policies and procedures.
  • Assists senior-level credit officers with complex loan/lease applications as necessary.
  • Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues.
  • Makes and services loans and leases 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/leases within area of responsibility.
  • Conducts complex credit analyses. Analyzes balance sheets, income statements, and cash flows of potential borrowers to ascertain creditworthiness. Maintains current, adequate and verified financial information on borrowers and guarantors as required by association policy.
  • 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.
  • Performs 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 assist with the title examination on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels. May facilitate the loan closing process as required in accordance with all applicable association and FCA policies and regulations.

 

PREFERRED SKILLS:

  • Able to review financial statements and other information, and prepare concise, informed Credit Reviews.
  • General knowledge of accounting/financial systems.
  • Specialized knowledge of accounting/finance principles.
  • Skill in oral and written communication.
  • Intermediate skill level in Microsoft Office applications.
  • Ability to perform complex accounting/financial analyses under limited supervision.
  • Interact with other departments of the association, including legal, treasury, and loan administration.  Represent CFC at lenders meetings and industry gatherings.

 

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.

Equal Opportunity Statement
Capital Farm Credit is committed to creating a diverse and inclusive workplace. The position title and requirements may be adjusted based on the candidate's experience and qualifications. We welcome applicants of all backgrounds and do not discriminate based on race, color, gender, religion, national origin, disability, veteran status, or any other protected status. A full job description is available upon request.

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