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Regional Credit Officer II

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 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.

 

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

LOCATION:

  • Preferred location is College Station, but other locations may be considered based on the candidate and office availability.

EDUCATION REQUIREMENT:

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

JOB REQUIREMENTS:

  • At least ten (10) years of progressively responsible banking or related agricultural lending experience.
  • At least 5 years in a supervisory and/or management position.

 
FUNCTIONS:

  • Coaches and trains Relationship Managers, credit analysts, and administrators in the origination and servicing of loans and leases.
  • Establishes goals and objectives for credit analyst team in the Region served.
  • Manages delegated authority for credit analysts in the Region Area.
  • Assist in the management of loan and leases in the Region Area in an effort to maintain acceptable risk levels and carry out Association goals and objectives. 
  • Hires and evaluates credit analysts in the Region Area.
  • Consults and works closely with Chief Credit Officer, Directors of Credit, other Regional Credit Officers, Regional President, Commercial Ag Credit Group Credit Managers and their respective staffs on loan/lease origination and servicing.
  • Provides input on analysis, pricing and structuring of credits in Market Area.
  • Mentor’s credit and administrative staff in the analysis and structuring of loans and leases.
  • Reviews and approves or denies loans and leases that exceed the delegated authority of loan officers and credit analysts.
  • Serves as a loan committee member.
  • Resolves issues related to credit underwriting by actively working with the Regional President and Loan Administration Manager in the assigned Region Area.
  • Responsible for compliance with credit standards for the Region area.
  • Ensures that loans and leases in market area portfolio are properly underwritten by credit analyst team. This includes ensuring loans and leases are properly risk rated and assigned appropriate Probability of Default (PD) and Loss Given Default (LGD) ratings.
  • Complies with proper credit administration practices as outlined in Association’s policies and procedures.
  • Demonstrates the “CFC Way” in all areas of credit underwriting.
  • Conducts complex credit analyses.
  • Determines creditworthiness of applicants for new loans or leases and credit servicing actions in Region Area.
  • Manages and oversees the underwriting process on credits in the Region Area which are non-performing and assist other stakeholders in the development of corrective action plans or restructuring actions.
  • Prepares budgets for credit underwriting operations associated with the Market Area. Collaborates with the Regional President(s) in the Region Area in the budget process.
  • Maintains awareness of agricultural trends and business activity, FCA regulations, and legal obligations. Ensures all credit underwriting operations comply with applicable policies, regulations, and laws. Oversees the preparation of all reports required by association management, the Board of Directors, and regulatory bodies.
  • Oversees and consults completion of complex loan servicing tasks
  • Promotes the Association by maintaining good public and member relations

 

REQUIRED SKILLS:

  • 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 intermediate-level accounting and financial analyses under limited supervision.

 

COMMUNICATION REQUIREMENTS:

  • This job requires strong verbal and written communication skills and listening skills, as well as the ability to read, comprehend and write memos, e-mails, operating manuals, and policy directives.

  • The job also requires the ability to provide, follow and convey verbal instruction, and to provide and receive feedback as appropriate in a respectful, business-appropriate manner.

  • The ability to make effective business presentations, both written and oral, in small and large audiences is required.

  • Courteous and professional conduct is required at all times with a willingness to provide and receive constructive input and direction.

  • In working with team members, it is required that you foster open lines of communication by conveying pertinent non-privileged industry and company information that is necessary to maximize job performance, knowledge and understanding.

  • It is Capital Farm Credit’s expectation is that open lines of communication are available to benefit job performance and satisfaction. Within your position, you are encouraged to effectively utilize communication channels to maximize job performance.

 

WORKING RELATIONSHIPS:

  • Frequent interaction with Association Lending staff, loan administration staff and other credit staff (especially members of lending groups), along with customers, association departmental staff including but not limited to loan accounting, accounting, internal audit, internal credit review and Credit management.
  • Occasional interaction with association executive leadership, senior management, and/or board of directors.
  • Occasional interaction with Farm Credit Bank of Texas staff.
  • Frequent interaction with area professionals including real estate agents, commercial bankers, and others who deal with the association in the normal course of business

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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