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Credit Reviewer 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 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 preferred location for this position in College Station, Lubbock, or Round Rock, Texas. However, it is open to other offices with space availability. 

EDUCATION AND EXPERIENCE

Bachelor’s degree in business, accounting, finance, economics, or related discipline and three (3) to five (5) years of experience in banking, credit analysis, financial/accounting services, or audit. 

JOB SUMMARY

  • Assesses Association risk identification and credit administration practices by systematic review of loan portfolio samples.
  • Loan samples are reviewed to validate compliance with all applicable regulations and Association procedures as well as overall credit quality and soundness.
  • Works under moderate supervision. 

ESSENTIAL FUNCTIONS

  • Review credit files and supporting documentation for proper risk identification, required loan and accounting classifications, and compliance with FCA regulations, Association policies and procedures and departmental procedures.
  • Discusses loans under review with appropriate lending and credit staff and addresses questions and inquiries in a courteous and professional manner.
  • Relates findings and validations to Association staff in a courteous and professional manner.
  • Documents all findings in departmental work papers in a clear and proficient manner, supported with related facts/references, consistent with Association review requirements.
  • Maintains a positive and professional image in all communications with Association staff, outside auditors, the Farm Credit Administration, and other Farm Credit entities.
  • Assists other departments, as needed, to complete special projects such as due diligence reviews, consulting to improve controls, etc.
  • Perform other department related tasks as assigned.

REQUIRED SKILLS

  • General knowledge of accounting/financial principles, industry standard, internal controls, and internal audit practices.
  • Knowledge of credit products, market trends, and/or loan procedures.
  • Attention to detail.
  • Analytical and critical thinking skills.
  • Basic skill level in Microsoft Office applications.
  • Ability to review and interpret intermediate level accounting and audit analyses under immediate supervision.
  • Strong time management and organizational skills.
  • Ability to build relationships.

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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