Back to jobs
New

Commercial Credit Officer

Round Rock, 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 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:

  • 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 careers@capitalfarmcredit.com 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.

 

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.

Create a Job Alert

Interested in building your career at Capital Farm Credit? Get future opportunities sent straight to your email.

Apply for this job

*

indicates a required field

Resume/CV*

Accepted file types: pdf, doc, docx, txt, rtf

Cover Letter

Accepted file types: pdf, doc, docx, txt, rtf

Select...

Applicants may be required to provide proof of diploma, degree, transcripts, licenses, certifications, and registrations.

Select...
Select...
Select...
Select...

If yes, make sure to include the details on the employment section of your resume.

Select...

If yes, please explain. If you choose not to disclose, you may be required to provide additional information post-background check.

Select...

- I certify that all the information provided by me in connection with my application and resume is true and complete, and I understand that any misstatement, falsification, or omission of information will be grounds for refusal to hire or, if hired, termination.

- I understand that as a condition of employment, I will be required to provide legal proof or authorization to work in the United States. 

- I authorize Capital Farm Credit and/or their designees to perform background checks on me, to possibly include inquiries into criminal, education, or credit history in accordance with applicable status.

- I am willing and able to perform the essential functions of the job, with or without reasonable accommodation.

- I authorize investigation of all statements in this qualification record if I am considered for employment. The companies or persons named herein are authorized to give information regarding me whether or not such information is part of their records, and they are hereby released from all liability for issuing such information.

- I have read, understand, and agree to the above statements. 

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

As set forth in Capital Farm Credit’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

Select...
Select...
Race & Ethnicity Definitions

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

Select...

Voluntary Self-Identification of Disability

Form CC-305
Page 1 of 1
OMB Control Number 1250-0005
Expires 04/30/2026

Why are you being asked to complete this form?

We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to:

  • Alcohol or other substance use disorder (not currently using drugs illegally)
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS
  • Blind or low vision
  • Cancer (past or present)
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or serious difficulty hearing
  • Diabetes
  • Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders
  • Epilepsy or other seizure disorder
  • Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome
  • Intellectual or developmental disability
  • Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD
  • Missing limbs or partially missing limbs
  • Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports
  • Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS)
  • Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities
  • Partial or complete paralysis (any cause)
  • Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema
  • Short stature (dwarfism)
  • Traumatic brain injury
Select...

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.