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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 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 at our Headquarters in College Station, Texas or another office in CFC's Houston Region with office space availability. 

EDUCATION AND EXPERIENCE

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

JOB SUMMARY

  • Assists Relationship Managers, Special Assets Officers and Administrators with data input, analysis, and risk determination on loans and leases.
  • Performs complex level credit analysis work on loans and leases, works independently and under minimum supervision.
  • In many cases the person is part of a deal team that processes a new loan or lease, or credit servicing requests. 
  • Processes and approves loans and leases in assigned territory within the limits of specific delegated authority consistent with Association policies.
  • Evaluates and services loans and leases with higher levels of complexity and risk.
  • Develops and manages loan/lease portfolios including loan/lease originations in the trade area served by the association.  
  • Assists in training less-senior loan and credit officers to ensure quality service and attainment of the Association’s credit goals. 
  • Has appreciable latitude for decision making as part of a deal team.

ESSENTIAL FUNCTIONS

  • Provides assistance to Relationship Managers, 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 Relationship Managers, loan 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.
  • May perform collateral evaluations in compliance with district and association standards and procedures. May assist with or attend public relations functions for the Association.

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.

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.

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