Back to jobs

Credit Resolution Manager

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.

 

EDUCATION AND EXPERIENCE

Bachelor’s degree in Finance, Accounting, Business Administration, or a related field. An MBA is preferred. The role requires at least 7 to 10 years of experience in commercial or consumer credit, loan workout, special assets, or a related credit administration field, with a minimum of 2 to 3 years in a leadership or managerial role. Professional certifications such as CRC, CBA, or similar credit risk and lending certifications are preferred. This position will involve direct report responsibilities, and the candidate must have the expertise to manage and resolve complex credit-related challenges. 

JOB SUMMARY

The Credit Resolution Manager is responsible for leading and overseeing a team of Resolution Officers in the management and resolution of criticized, delinquent, and non-performing credit relationships. This role provides strategic direction and operational oversight to ensure the team effectively monitors at-risk loan portfolios, negotiates repayment arrangements, develops restructuring and workout strategies, and minimizes potential credit losses. Responsible for ensuring all resolution activities are conducted in accordance with Association credit policies, regulatory requirements, and borrower rights.

In addition to team leadership, the Credit Resolution Manager is accountable for ensuring the quality and consistency of borrower interactions, documentation, and compliance. This includes reviewing and approving distressed loan restructuring plans, forbearance agreements, and formal notices, as well as overseeing foreclosure actions and bankruptcy case management. Ensuring that all communications and actions taken by the team are properly documented and delivered in accordance with institutional standards and applicable laws.

This position requires a proactive approach to risk mitigation, a strong understanding of agricultural lending and legal frameworks, and the ability to guide a team through complex resolution processes. Fostering collaboration across departments, maintaining strong relationships with internal and external stakeholders, and promoting a culture of compliance, accountability, and continuous improvement within the Credit Resolution Group.

ESSENTIAL FUNCTIONS

  • Lead and manage the activities of the Credit Resolution team in managing delinquent, non-performing, and high-risk loans.
  • Foster an environment of accountability, regulatory compliance, and continuous improvement within the Credit Resolution Group by setting clear expectations, reinforcing best practices, and encouraging team development and operational excellence.
  • Helps develop and implement strategies for loan workouts, restructures, and recoveries in coordination with legal, lending, and collections teams.
  • Reviews and approves proposed borrower solutions and complex distress loan restructuring plans, forbearance plans or settlement agreements for distressed loans, ensuring they are financially sound, legally compliant, and aligned with policies.
  • Ensures accurate and timely documentation of all resolution activities in accordance with institutional policies and borrower rights.
  • Evaluates borrower financial conditions, collateral values, and repayment capacity to recommend appropriate resolution plans.
  • Prepares and presents portfolio performance reports, including delinquency, recovery, and loss trends, to senior leadership.
  • Ensures compliance with company policies, credit risk standards, borrower rights and applicable regulations.
  • Collaborates with Relationship Managers, Credit staff, and Regional Leadership to identify emerging risks and assists with proactive solutions.
  • Coach, mentors, and develops staff to enhance analytical, negotiation, and customer relationship skills.
  • Actively supports internal and external audits by preparing documentation, responding to examiner inquiries, and ensuring the Credit Resolution team’s practices align with regulatory expectations. Contributes to portfolio reviews by analyzing loan performance, identifying risk trends, and recommending corrective actions to improve credit quality.
  • Directs the team’s handling of foreclosure proceedings and bankruptcy cases, ensuring all actions are timely, properly documented, and conducted in accordance with applicable laws and borrower protections. Coordinates with legal counsel to manage litigation risk and optimize recovery outcomes.
  • Implement proactive monitoring practices to support the Resolution Team in identifying and mitigating emerging credit risks by analyzing past due loan reports, portfolio trends, and borrower behavior for early indicators of financial distress.
  • Apply specialized understanding of agricultural lending practices in resolution strategies. Leverage deep knowledge of agricultural finance, including seasonal cash flows, commodity cycles, and farm operations, to tailor resolution plans that reflect the unique challenges of ag borrowers. Ensure that workout strategies are both practical and sustainable within the agricultural context.
  • Collaborates closely with the Director of Credit Resolution to ensure all borrower rights are upheld and that resolution plans, foreclosure actions, and related processes are executed accurately and in full compliance with regulatory and institutional standards.
  • Supports the Director in monitoring team performance, verifying that operational goals are consistently met, and identifying areas for improvement. Assists in aligning team efforts with strategic objectives, maintaining high standards of service quality, and ensuring accountability across all resolution activities.

REQUIRED SKILLS

  • Strong knowledge of credit risk management, loan documentation, and regulatory requirements.
  • Proven ability to negotiate and structure complex loan resolutions.
  • Excellent analytical, decision-making, and problem-solving skills.
  • Effective written and verbal communication abilities.
  • Leadership skills with the ability to manage and develop a team.
  • Proficiency with Microsoft Office and credit management systems.

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.

 

Applicants should personally complete and submit their application materials. Submissions generated through automated tools or third-party mass application services may not be reviewed.

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. Candidates selected for hire will be required to complete a background check, including criminal history, education verification, and employment verification. A credit check will be required for roles that require NMLS registration.

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.