Senior Credit Officer
Who we are:
We are a $30 billion wholesale bank that's been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending cooperatives in five states and we're active in the nation's capital markets. Join the Farm Credit Bank of Texas team and help us grow to meet the ever-changing credit needs of food and fiber producers, the agribusiness sector, and rural Americans. If you're looking for a rewarding career with one of the nation's most respected financial institutions - Farm Credit Bank of Texas (FCBT) may be a great fit for you. At Farm Credit Bank of Texas, we support workstyle flexibility while balancing business needs and ensuring we continue our culture that values face-to-face interactions. Recognizing that many roles allow for some degree of flexibility in how work gets done, we have returned to the office in a hybrid remote/onsite work arrangement. Only candidates willing and able to work onsite at our Austin, TX office should consider this opportunity. Position Description:
The Sr. Credit Officer will thoroughly analyze and underwrite assigned participation accounts and offers, along with the servicing of such assigned accounts. The position will assist the Association Relationship Managers in the analysis, servicing, and reporting of the bank's direct loans to associations and loan participations. Day to Day Duties and
Responsibilities:
Perform financial analysis, credit administration, monitoring, and due diligence as necessary on official loans, excess loans, and loan participation packages received from district associations or other commercial lenders. Acts upon association official and excess, prior approval loans and loan servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority. Interprets, communicates, and provides guidance to associations regarding sound lending practices. Interprets and acts upon various legal, title and other questions which may arise on loans. Assists in developing and administering lending programs, as well as developing and revising operating procedures relating to lending operations. Assists management in evaluation of the bank's direct and OFI lending programs. Assists in the development and closing of complex loans by assisting the district associations with analysis and negotiation of such credits. Development of loan participation and correspondent banking relationships with other lenders. Incumbent will also manage and supervise participation loan relationships as assigned by supervisor, VP-Commercial Credit. Assists other bank personnel in completing coordinated projects as assigned What You Bring to the Team:
Position requires a bachelor's degree in agriculture economics, finance, business administration or other related business field or commensurate experience and five (5) or more years' experience in all facets of lending including the marketing, extension, administration and analysis of commercial credits and agriculture production loans. The incumbent should have experience and knowledge in the analysis of complex credits, as well as negotiating and dealing with large loans over $5 million. The incumbent should have experience working with management and senior loan officers of other financial institutions in the structuring and evaluating of official loans, excess loans (above delegated authorities), loan participations and analysis of direct loan/correspondent lending relationships. This position requires skill and knowledge in credit administration, financial analysis, the use of various loan analysis software programs, accounting standards, credit policies and procedures, as well as program and product development. Excellent computer, interpersonal, public speaking and communication skills are required. A thorough knowledge is required of financial statement analysis, forecasting models, cash flow budgets, collateral analysis, appraisal standards and payment performance in the areas of agriculture production loans, mortgage loans and commercial credits. Must be able to accurately identify, measure and manage risk in loans, loan portfolios and direct loans. This position will require time management skills with travel up to 25 percent. Why Farm Credit Bank of Texas:
Benefits are an integral part the Farm Credit Bank of Texas total compensation package. We offer comprehensive, affordable, and competitive benefit options that are focused on health and wellness, financial security, and achieving a work-life balance. Flexible health and wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts, and more 401(k) plan that includes an employer match and additional employer contribution Long-term disability and life insurance Vacation leave, sick leave, and paid holidays Option to use sick leave to take your pet to the vet for emergency services Up to five days per year to volunteer in local community organizations, services, or events Ongoing professional development opportunities generous tuition reimbursement program Physical fitness incentive plan Employer matching gifts program Important note:
We care about your hiring process and take it seriously. There is a real person behind the screen and response timelines may vary. The interviewing process at Farm Credit Bank of Texas may include phone calls and emails, on-site interviews, and requests for portfolios or demonstrations of work. Unfortunately, we are unable to personally follow-up with each and every applicant, but we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit. Please be assured, we will contact you if that is the case! AA/EOE/M/F/D/V #seniorcreditofficer #commercialcredit #loanparticipation #financialanalysis #creditadministration #aglending #farmcredit
Salary Range:
NA
Minimum Qualification
Banking, Loans & InsuranceEstimated Salary: $20 to $28 per hour based on qualifications.
We are a $30 billion wholesale bank that's been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending cooperatives in five states and we're active in the nation's capital markets. Join the Farm Credit Bank of Texas team and help us grow to meet the ever-changing credit needs of food and fiber producers, the agribusiness sector, and rural Americans. If you're looking for a rewarding career with one of the nation's most respected financial institutions - Farm Credit Bank of Texas (FCBT) may be a great fit for you. At Farm Credit Bank of Texas, we support workstyle flexibility while balancing business needs and ensuring we continue our culture that values face-to-face interactions. Recognizing that many roles allow for some degree of flexibility in how work gets done, we have returned to the office in a hybrid remote/onsite work arrangement. Only candidates willing and able to work onsite at our Austin, TX office should consider this opportunity. Position Description:
The Sr. Credit Officer will thoroughly analyze and underwrite assigned participation accounts and offers, along with the servicing of such assigned accounts. The position will assist the Association Relationship Managers in the analysis, servicing, and reporting of the bank's direct loans to associations and loan participations. Day to Day Duties and
Responsibilities:
Perform financial analysis, credit administration, monitoring, and due diligence as necessary on official loans, excess loans, and loan participation packages received from district associations or other commercial lenders. Acts upon association official and excess, prior approval loans and loan servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority. Interprets, communicates, and provides guidance to associations regarding sound lending practices. Interprets and acts upon various legal, title and other questions which may arise on loans. Assists in developing and administering lending programs, as well as developing and revising operating procedures relating to lending operations. Assists management in evaluation of the bank's direct and OFI lending programs. Assists in the development and closing of complex loans by assisting the district associations with analysis and negotiation of such credits. Development of loan participation and correspondent banking relationships with other lenders. Incumbent will also manage and supervise participation loan relationships as assigned by supervisor, VP-Commercial Credit. Assists other bank personnel in completing coordinated projects as assigned What You Bring to the Team:
Position requires a bachelor's degree in agriculture economics, finance, business administration or other related business field or commensurate experience and five (5) or more years' experience in all facets of lending including the marketing, extension, administration and analysis of commercial credits and agriculture production loans. The incumbent should have experience and knowledge in the analysis of complex credits, as well as negotiating and dealing with large loans over $5 million. The incumbent should have experience working with management and senior loan officers of other financial institutions in the structuring and evaluating of official loans, excess loans (above delegated authorities), loan participations and analysis of direct loan/correspondent lending relationships. This position requires skill and knowledge in credit administration, financial analysis, the use of various loan analysis software programs, accounting standards, credit policies and procedures, as well as program and product development. Excellent computer, interpersonal, public speaking and communication skills are required. A thorough knowledge is required of financial statement analysis, forecasting models, cash flow budgets, collateral analysis, appraisal standards and payment performance in the areas of agriculture production loans, mortgage loans and commercial credits. Must be able to accurately identify, measure and manage risk in loans, loan portfolios and direct loans. This position will require time management skills with travel up to 25 percent. Why Farm Credit Bank of Texas:
Benefits are an integral part the Farm Credit Bank of Texas total compensation package. We offer comprehensive, affordable, and competitive benefit options that are focused on health and wellness, financial security, and achieving a work-life balance. Flexible health and wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts, and more 401(k) plan that includes an employer match and additional employer contribution Long-term disability and life insurance Vacation leave, sick leave, and paid holidays Option to use sick leave to take your pet to the vet for emergency services Up to five days per year to volunteer in local community organizations, services, or events Ongoing professional development opportunities generous tuition reimbursement program Physical fitness incentive plan Employer matching gifts program Important note:
We care about your hiring process and take it seriously. There is a real person behind the screen and response timelines may vary. The interviewing process at Farm Credit Bank of Texas may include phone calls and emails, on-site interviews, and requests for portfolios or demonstrations of work. Unfortunately, we are unable to personally follow-up with each and every applicant, but we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit. Please be assured, we will contact you if that is the case! AA/EOE/M/F/D/V #seniorcreditofficer #commercialcredit #loanparticipation #financialanalysis #creditadministration #aglending #farmcredit
Salary Range:
NA
Minimum Qualification
Banking, Loans & InsuranceEstimated Salary: $20 to $28 per hour based on qualifications.
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