LOCATION:

• The preferred location for this position is Round Rock, Texas.

EDUCATION REQUIREMENT:

• Bachelor's Degree in business administration, finance, accounting, agricultural economics, or other related field, plus ten (10) years’ experience focused on the credit analysis function for a related lender with a minimum of five (5) years management experience in large and/or complex loans (over $2.5 million).

• Previous experience to show a thorough understanding of agriculture / agribusiness as a business and industry.

• This experience will also include appropriately structuring loan terms, as well as experience in both operating/production and mortgage loans, accounting standards, banking regulations, operations, and credit practices.

• Experience with Farm Credit System or other Agricultural Lender preferred, A Certified Public Accounting designation, or post-graduate degree or professional certification in Accounting, Finance or related field will be considered favorably.

• Must be well versed in the effective use of various loan analysis software programs/tools.

JOB SUMMARY:

• Performs manager level credit administration of the Credit Department’s commercial portfolio and monitoring of larger credits, including those of a complex nature.
• Will oversee the staff of Association Credit Analysts and provide for the administration and flow of actions that require the Association’s Credit Committee Has a key role in implementing, communicating, and ensuring adherence to Association’s credit philosophy and underwriting standards consistent with the Association’s credit policy and business plans.
• Works under limited supervision and coordinates with others in the department as well as the entire Association. as needed.
• Assists Chief Credit Officer and CLO in strategic planning and special projects. 

FUNCTIONS:

• Effective leader of credit professionals across the Association with special emphasis on bringing consistency to credit underwriting and structuring to commercial business needs.
• Make recommendations for improvements of credit function within the Association, including new technology, enhanced processes and procedures and other resources needed to improve efficiencies in credit delivery.
• Sponsors and leads credit teams in developing systems and processes to effectively underwrite traditional credit in a consistent and effective process using a risk-differentiated approach. 
• Work directly with EVP, Chief Credit Officer in setting acceptable risk tolerance levels for the Association, particular to the commercial business portfolio.   
• Experienced in providing guidance to regional credit teams in working through problem loan situations (Special Asset accounts) to minimize the risk to the Association. A strong understanding of borrower rights, forbearance processes, foreclosure actions, etc.
• Provide input to department’s annual business plan and projected needs in the future.
• Provide, follow, and convey verbal instruction, and to provide and receive feedback as appropriate in a respectful, business-appropriate manner.
• Required to prepare and make effective business presentations, both written and oral, to small and large audiences.
• Assists EVP, Chief Credit Officer in monitoring and reporting of risk trends within the Associations commercial loan portfolio for senior management and Board.
• Serve as a member of various Association committees as assigned. Represent the Association on System efforts when called upon.
• Must be adept at: building successful teams, conflict management, adaptability, problem-solving, multi- tasking, influencing others, creativity and being a self-starter.
• Assists other association personnel in completing coordinated projects as assigned.  
• Manages the hiring and supervision of professional credit leaders (managers), as well as credit analyst. Ensure consistent, measurable, and fair performance techniques for all commercial credit staff.
• Serves as the leader in the training and development needs of credit analyst staff in the commercial credit team.
• Coordinates and manages the workflow for the credit team leads.
• Manages and coordinates loan committee activities, including the timely identification of deal teams, delegated authorities, credit reports and related presentations to loan committee and senior management.
• Assists Chief Credit and Lending Officers in the development, implementation, and maintenance of credit policies and procedures. Provide interpretation (guidance) on the adoption of any new regulation, policy, or procedure directly related to the credit function.
• Assists the Chief Credit and Lending Officer in loan portfolio management and reporting functions.  
• Work closely with Regional Presidents, and guides Commercial Credit team leads (managers) and other credit office staff through providing input on credit structure, terms, conditions, etc.
• Supports Regional Presidents on loan activity, most particularly on loans over their delegated authority, or loans requiring prior approval of the funding bank.
• Serves as a trainer/mentor to develop credit skills of direct reports and others involved in credit analysis processes and works with EVP, Chief Credit Officer in assessment of credit skills and training for credit staff.
• Serves as a key member of the Association Loan Committee, and chairing final loan decisions on larger, more complex loans within core lending.

REQUIRED SKILLS:

• A proven leader with excellence in credit analysis, interpersonal relations, public speaking, administrative, research (including Internet) and communication skills are required.
• Strong analytical skills to maintain sound credit underwriting standards and to evaluate and structure loan proposals.
• Must have knowledge of business and legal practices in mortgage and commercial/operating lending, including credit standards, real estate appraisal requirements, loan portfolio management, regulatory compliance, and credit administration.
• Must be proficient with Microsoft Office software and credit analysis software.
• Developing successful teams, understanding strategic planning and goal setting, human resource management and public / member relations are required.

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.

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.

EDUCATION AND EXPERIENCE

• High school diploma or associate’s degree with two (2) years of related experience in loan administration, office operations, or customer service with exposure to financial services, mortgage, title insurance industry, or experience deemed equivalent at the discretion of Capital Farm Credit (CFC).

JOB SUMMARY

• An entry level position responsible for basic loan administration, loan accounting, content management, credit support, and other office administration work.
• Administers simple to moderately complex loan portfolios and effectively responds to customer service inquiries on a routine basis.
• Supports business development efforts by providing excellent and knowledgeable customer service as a first line of contact via face-to-face interactions and/or telephone conversations.
• Communicates with external parties and internal departments involved in the customer and loan relationship.

ESSENTIAL FUNCTIONS

• Provides excellent customer service on a consistent basis by greeting customers, answering phones and customer inquiries, and facilitates communications between internal departments and external parties. Works with senior staff to research and resolve issues.
• Under direction and oversight, sends the loan application(s) to applicants, reviews completed application for accuracy and completeness, and communicates with applicants on additional needs. At a basic level, develops and organizes loan applicant information.
• Under direction and oversight, enters pertinent loan data into loan origination systems, including financial information such as balance sheets and other data required. Acquires credit bureau reports and generates credit scores.
• Conducts appropriate searches within various systems as required for borrowing entities. Reviews results to ensure compliance related to entity tax status and OFAC standings. Gains a basic understanding of UCC lien search results and UCC lien status.
• Under guidance, drafts and sends communication of initial credit decision to applicants. Assists with communicating additional needs and updates with applicants and members of the loan committee through due diligence process.
• Requests and develops basic knowledge of title commitment and supporting documents from title companies that are relevant to each loan file. Gains an understanding of coordination needed with internal departments for review and approval of necessary documents.
• Through direction and oversight, reviews files in loan origination system to help identify errors and ensure accuracy prior to loan committee approval and loan processing requests. Requests final loan committee approvals. Submits loan file to Document Preparation Department.
• With direction and oversight, coordinates loan closings; assembles, reviews, and delivers closing packet for execution; and reviews documentation to ensure proper execution.
• With guidance and oversight, onboards new loans from loan origination system into the loan accounting system and disburses loan proceeds; confirms loan was closed in compliance with loan closing instructions; monitors borrower loan conditions and documents the file accordingly. Assists the loan committee by requesting and filing necessary information to satisfy loan covenants and other reporting requirements.
• Develops an understanding of lien perfection through deed of trust and/or UCC filing and maintenance. Establishes and maintains electronic loan files and sends original documents to the Collateral Custodian. Works with internal departments to finalize and certify loans.
• Processes loan payments, disbursements, and related tasks necessary to service loan portfolio.
• Develops basic knowledge of cooperative structure, patronage program, and CFC product offerings.
• At a basic level, assists with credit servicing actions. With oversight and direction, reviews executed servicing action documentation, submits revisions to accounting systems, and updates electronic file documentation.
• Develops basic knowledge of required procedures, policies, processes, internal controls, and regulations with an ability to research and apply.
• Develops foundational knowledge of multiple systems and programs and demonstrates the ability to use CFC programs and systems used in lending and office administration.
• Assists with general office administration and operates a variety of standard office equipment.

REQUIRED SKILLS 

Basic Knowledge Of:

• Accounting/financial systems.
• Computer systems and office equipment used for file management, file classification practices, and retrieval of business information.
• Documentation requirements for title insurance, deeds of trust, UCC financing statements, crop insurance, and flood insurance.
• Professional, oral, and written correspondence principles.
• Intermediate skill level in Microsoft Office applications.
• Organization and time management practices.
• Attention to detail.
• Working in a collaborative environment.
• Critical thinking skills.

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.

LOCATION:

• Round Rock, Texas is the preferred location for this position. 

EDUCATION REQUIREMENT:

• Bachelor’s degree in agriculture economics, finance, business administration or other related business field or commensurate experience.
• A minimum of seven (7) years of credit underwriting, relationship management, capital markets or related experience in the financial services industry including knowledge in the analysis and structuring of complex credit facilities and dealing with large loans.  
• Strong accounting and credit background, interpersonal communication skills with proven ability to effectively communicate with external customers of the Association and Senior Management.
• Experienced in working with client management/owners and financial institutions.
• Highly competent in structuring, evaluating, and negotiating various types of senior credit facilities.
• Ability to manage large complex loans (above delegated authorities) and loan participations/syndications and be competent in analyzing direct loan/correspondent lending relationships.
• Experience in managing a large loan portfolio, working with other lenders and analyst, marketing and generating new loan volume, and making strategic decisions and recommendations about direction of a loan portfolio.

JOB SUMMARY:

• Responsible for managing and monitoring a portfolio of large corporate finance agribusiness, energy, and telecom banking relationships, including a significant number of syndicated and purchased participations.
• Works closely and collaborates with credit administration, legal, loan operations, relationship managers, and capital markets teams to develop prudent credit strategies that meet customer needs while adhering to the Association’s credit policies and guidelines.
• Assesses credit risk of portfolio through continuous monitoring of financial trends, understanding of industry drivers and competitive landscape through peer analysis, provides sound and cogent risk mitigations.
• Prepares and assists with the credit memorandum and leads discussions of recommendations to credit administration in order to make sound credit decisions.
• Primary responsible for purchased and sold capital market transactions.
• Incumbent will have complete oversight on their portfolio with increased signing authority and responsibility on both purchased and sold accounts including, working with agents, borrowers, and lender groups. 

FUNCTIONS:

• Proposes strategic recommendations to managing director and senior directors about the direction of the loan portfolio under management including new business/growth opportunities.
• Primarily responsible for managing and monitoring a portfolio of existing capital markets and agribusiness, energy, and telecommunication accounts, including the processing of customer requests, waivers, and amendments in order to support the Association’s value proposition while adhering to high credit quality standards.
• Effectively manages originated loan syndications/participations including development of market-based pricing and structuring, marketing, and servicing memoranda, legal/loan documentation negotiation, and monitoring.
• Monitors existing portfolio for covenant compliance, industry trends, financial performance, in order to uphold superior credit quality standards.
• Assists the credit analysts and regularly drafts a written credit report that presents a thorough understanding of the customer requests along with a concise and complete understanding of the credit risks and risk assessment to the credit approval group.
• Effectively coordinates with credit analysts, credit administration, loan operations, capital markets, and legal to process customer requests, waivers, and amendments.
• Establishes strong customer relationships within the portfolio accounts as the key point of contact (and provides continuity for existing customers) to include the key point of contact on directly originated loan syndications/participations. 
• Acts as the primary internal point of contact that leads credit presentations to credit/risk management committees for purchased loans. Acts as the lead capital markets representative discussing syndication strategies during credit presentations to credit/risk management committees.
• Coordinates, evaluates, and communicates risk ratings, loss given defaults, and hold strategies.
• Seeks to expand and/or develop strategies to deepen customer relationships with ancillary business including but not limited to leasing, cash management, and capital markets.
• Presents to borrowers and lender groups on directly originated loan syndications/participation sales as well as credit package recommendations to credit committees.
• Develops strong credit presentations and ability to close loans by working with other associates with financial statement analysis and negotiation of terms and conditions of such credits.
• A leader in making recommendations for improvements of credit function within Capital Markets, including new technology, resources, etc. needed to perform at a high level.
• Demonstrates a strong understanding of key ratio analysis, and the relationship of those ratios on the various financial statements (balance sheet, income statement, cash flow statement, etc.).
• Keeps abreast of current market-based syndication/participation loan transactions and provides input into directly originated loans regarding appropriate structure, pricing, underwriting of loans that will potentially be sold to other lenders.
• Provides input to department’s annual business plan and projected needs in the future.
• Assists in the development and closing of complex loans by assisting other associations with analysis and negotiation of such credits.
• Helps in development of loan participation and correspondent banking relationships with other lenders.
• Assists other bank personnel, and often leads, in completing coordinated projects as assigned.
• Serves as a trainer/mentor to develop credit skills of Capital Markets personnel, as required by MAC.

 REQUIRED SKILLS:

• This  position  requires  skills  and  knowledge  of  how  financial  institutions  operate, development of  new business and maintenance of existing business (purchase participations).
• Development of loan syndications/participations, sales strategies, and execution thereof, extension of complex  credit facilities, financial analysis.
• Ability to operate various loan analysis software programs, accounting standards (accrual and cash), legal aspects of extending credit, credit policies and procedures. 
• Thorough knowledge of financial credit analysis (including projections), collateral analysis, appraisal standards and repayment performance in the areas of agriculture/agribusiness loans, energy loans, telecommunications loans, project finance loans, mortgage loans and commercial/operating credits.
• Ability to accurately identify, measure and manage all risks involved with extending credit to these enterprises via direct, loan participations and/or syndications.
• Proficient in  Microsoft Office software and have an understanding of credit analysis software.
• A high level of independence is expected.

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.
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

Education and Experience

• Bachelor’s degree in business administration, Finance, Agricultural Economics, or a related field, or equivalent experience.
• 5 or more years of progressively responsible banking or related agricultural lending experience, or other experience that translates to lending experience as determined at the discretion of Capital Farm Credit.
• Registration required as a Mortgage Loan Officer under the National Mortgage Licensing System.

Job Summary
Manages and maintains current relationships and seeks new accounts with the ability to manage large and complex accounts and credit evaluations. Recommends or approves loans in assigned territory within delegated authority. Develops and manages loan portfolios, including originations, in the trade area served by the association. Designs and implements sales strategies for complex customers to increase client satisfaction and portfolio growth. Assists in training less senior relationship managers and credit personnel. Operates with considerable decision-making latitude under minimal supervision.

Functions:

• Develops new business in the assigned office in addition to servicing existing commercial and real estate customers.
• Reviews loan analysis within the guidelines and policies of the association, processes and approves loan requests within the limits of delegated authority and in accordance with Association guidelines.
• Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection.
• Collaborates with credit analysts on loans exceeding delegated authority.
• Establishes business relationships with agricultural producers, rural landowners, and community business leaders. Cultivates these relationships to expand lending opportunities.
• Represents the association at local and regional community and market related activities.
• Promotes the association by maintaining good public and member relations and assists with or attends corporate functions.
• Makes and services leases, loans for operating equipment and real estate, and offers other related services such as cash management products and crop insurance. 
• Makes and/or conveys decisions on loan approval, structure, and pricing.
• Exercises credit risk management responsibilities on loans within area of responsibility.
• Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities.
• Secures background and credit history on new loans, repeat loans, and renewals.
• Provides for evaluation of loan collateral in accordance with association policies and procedures.
• Works with loan process to ensure proper lien perfection on all collateral.
• Develops proficiency in complex credit analyses.
• Reviews balance sheets, income statements and cash flows of potential borrowers to ascertain creditworthiness.
• Works with credit analysts on loans in process and maintains current, adequate, and verified financial information on borrowers and guarantors as required by Association.
• Performs loan servicing tasks, which may include partial releases, re-amortizations, assumptions, additional advances, extensions, conversions, insurance claims, subordinations to mineral leases and right of ways, division orders, severance agreements.
• Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
• Complies with proper credit administration practices as outlined in the association’s policies and procedures.
• Assists staff and management with collections on all loans in the portfolio.
• Works with delinquent borrowers to obtain satisfactory loan performance.
• Assures that loan covenants are maintained as required.
• Assists with the title examination process on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels.
• Reviews loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations.
• May perform appraisals, inspections and/or collateral evaluations in compliance with District and Association standards and procedures. May assist with or attend public relations functions for the Association.

Required Skills

• Ability to build rapport and represent the Association effectively
• Capable of operating in high-pressure environments with complex, high-profile clients
• Outstanding written and verbal communication skills
• General accounting and financial system knowledge
• Specialized understanding of finance/accounting principles
• Basic proficiency in Microsoft Office
• Ability to perform financial analyses with moderate supervision

If you require reasonable accommodation during the employment process, email careers@capitalfarmcredit.com with your request and contact information. Requests will be considered individually. Only accommodation-related inquiries will receive a response at this email. For more information, view the EEO - Know Your Rights and Pay Transparency Statement.

LOCATION:

• This position will be located in our office in Kenedy, Texas.

EDUCATION REQUIREMENT:

• Bachelor’s degree in Finance, Business Administration, Ag Economics, Ag Business or related field, or experience deemed equivalent by Capital Farm Credit. 

JOB REQUIREMENTS:

• Three or more years of experience as a loan officer or loan officer associate or commensurate title, or other experience that translates to lending experience as determined at the discretion of Capital Farm Credit.
• Outstanding business development skills complimented with appropriate credit knowledge for the purpose of growing portfolio with quality loans.
• Exceptional customer service skills to support business development initiatives.
• Ability to assess risk and provide recommendations on approval commercial or real estate loans.
• Good standing in current and/or previous employment.
• Strong work ethic that supports a willingness to handle multiple tasks with efficiency and accuracy.
• Will require registration as a Mortgage Loan Officer under the National Mortgage Licensing System. 
•  Beneficial for the candidate to have both real estate and production agriculture knowledge.

 
FUNCTIONS:

• Responsible for developing new business in the assigned office in addition to servicing existing, commercial and real estate customers. Reviews loan analysis within the guidelines and policies of the association, processes and approves loan requests within the limits of delegated authority and in accordance with Association guidelines.  Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection.  Works with other Association personnel including credit analysts’ ln loans exceeding delegated authority. Establishes business relationships with agricultural producers, rural landowners and business leaders in the community and cultivates these relationships to expand lending opportunities.

• Represents the association at local and regional community and market related activities.  Promotes the association by maintaining good public and member relations and assists with or attends corporate functions.
• Makes and services leases, loans for operating equipment and real estate, and offering other related services such as cash management products and crop insurances 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 within area of responsibility.
• Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities.  Secures background and credit history on new loans, repeat loans and renewals.  Provides for evaluation of loan collateral in accordance with association policies and procedures.  Works with loan process to ensure proper lien perfection on all collateral.
• Develops proficiency in simple to moderately complex credit analyses.  Reviews balance sheets, income statements and cash flows of potential borrows to ascertain creditworthiness.  Works with credit analysts on loans in process and maintains current, adequate and verified financial information on borrowers and guarantors as required by Association.
•  Performs loan servicing tasks, which may include partial releases, reamortizations, assumptions, additional advances, extensions, conversions, insurance claims, subordinations to mineral leases and right of ways, division orders, severance agreements.

• Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
• Complies with proper credit administration practices as outlined in the association’s policies and procedures.
• Assists staff and management with collections on all loans in the portfolio.  Works with delinquent borrowers to obtain satisfactory loan performance.
• Assures that loan covenants are maintained as required.
• Assists with the title examination process on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels.  Reviews loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA polices and regulations. 

PREFERRED SKILLS:

• Excellent verbal and written communication skills
• Basic to moderate skill set in Microsoft Office Applications
• Strong business development skills
• General knowledge of accounting and financial systems
• Ability to perform intermediate level accounting and financial analysis under moderate supervision

 
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

LOCATION:

• This position will be located in our office in Katy, Texas.

EDUCATION REQUIREMENT:

• Bachelor’s degree in Finance, Business Administration, Ag Economics, Ag Business or related field, or experience deemed equivalent by Capital Farm Credit. 

JOB REQUIREMENTS:

• Three or more years of experience as a loan officer or loan officer associate or commensurate title, or other experience that translates to lending experience as determined at the discretion of Capital Farm Credit.
• Outstanding business development skills complimented with appropriate credit knowledge for the purpose of growing portfolio with quality loans.
• Exceptional customer service skills to support business development initiatives.
• Ability to assess risk and provide recommendations on approval commercial or real estate loans.
• Good standing in current and/or previous employment.
• Strong work ethic that supports a willingness to handle multiple tasks with efficiency and accuracy.
• Will require registration as a Mortgage Loan Officer under the National Mortgage Licensing System. 
•  Beneficial for the candidate to have both real estate and production agriculture knowledge.

 
FUNCTIONS:

• Responsible for developing new business in the assigned office in addition to servicing existing, commercial and real estate customers. Reviews loan analysis within the guidelines and policies of the association, processes and approves loan requests within the limits of delegated authority and in accordance with Association guidelines.  Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection.  Works with other Association personnel including credit analysts’ ln loans exceeding delegated authority. Establishes business relationships with agricultural producers, rural landowners and business leaders in the community and cultivates these relationships to expand lending opportunities.

• Represents the association at local and regional community and market related activities.  Promotes the association by maintaining good public and member relations and assists with or attends corporate functions.
• Makes and services leases, loans for operating equipment and real estate, and offering other related services such as cash management products and crop insurances 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 within area of responsibility.
• Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities.  Secures background and credit history on new loans, repeat loans and renewals.  Provides for evaluation of loan collateral in accordance with association policies and procedures.  Works with loan process to ensure proper lien perfection on all collateral.
• Develops proficiency in simple to moderately complex credit analyses.  Reviews balance sheets, income statements and cash flows of potential borrows to ascertain creditworthiness.  Works with credit analysts on loans in process and maintains current, adequate and verified financial information on borrowers and guarantors as required by Association.
•  Performs loan servicing tasks, which may include partial releases, reamortizations, assumptions, additional advances, extensions, conversions, insurance claims, subordinations to mineral leases and right of ways, division orders, severance agreements.

• Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
• Complies with proper credit administration practices as outlined in the association’s policies and procedures.
• Assists staff and management with collections on all loans in the portfolio.  Works with delinquent borrowers to obtain satisfactory loan performance.
• Assures that loan covenants are maintained as required.
• Assists with the title examination process on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels.  Reviews loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA polices and regulations. 

PREFERRED SKILLS:

• Excellent verbal and written communication skills
• Basic to moderate skill set in Microsoft Office Applications
• Strong business development skills
• General knowledge of accounting and financial systems
• Ability to perform intermediate level accounting and financial analysis under moderate supervision

 
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

LOCATION: 

• This position will be located in our credit office in San Angelo, Texas. 

EDUCATION REQUIREMENT:

• High school diploma or associate’s degree.

JOB REQUIREMENTS:

• Two (2) years of related experience in loan administration, office operations, or customer service with exposure to financial services, mortgage, title insurance industry, or experience deemed equivalent at the discretion of Capital Farm Credit (CFC).

JOB SUMMARY:

• An entry level position responsible for basic loan administration, loan accounting, content management, credit support, and other office administration work.
• Administers simple to moderately complex loan portfolios and effectively responds to customer service inquiries on a routine basis.
• Supports business development efforts by providing excellent and knowledgeable customer service as a first line of contact via face-to-face interactions and/or telephone conversations.
• Communicates with external parties and internal departments involved in the customer and loan relationship.

FUNCTIONS:

• Provides excellent customer service on a consistent basis by greeting customers, answering phones and customer inquiries, and facilitates communications between internal departments and external parties. Works with senior staff to research and resolve issues.
• Under direction and oversight, sends the loan application(s) to applicants, reviews completed application for accuracy and completeness, and communicates with applicants on additional needs. At a basic level, develops and organizes loan applicant information.
• Under direction and oversight, enters pertinent loan data into loan origination systems, including financial information such as balance sheets and other data required. Acquires credit bureau reports and generates credit scores.
• Conducts appropriate searches within various systems as required for borrowing entities. Reviews results to ensure compliance related to entity tax status and OFAC standings. Gains a basic understanding of UCC lien search results and UCC lien status.
• Under guidance, drafts and sends communication of initial credit decision to applicants. Assists with communicating additional needs and updates with applicants and members of the loan committee through due diligence process.
• Requests and develops basic knowledge of title commitment and supporting documents from title companies that are relevant to each loan file. Gains an understanding of coordination needed with internal departments for review and approval of necessary documents.
• Through direction and oversight, reviews files in loan origination system to help identify errors and ensure accuracy prior to loan committee approval and loan processing requests. Requests final loan committee approvals. Submits loan file to Document Preparation Department.

• With direction and oversight, coordinates loan closings; assembles, reviews, and delivers closing packet for execution; and reviews documentation to ensure proper execution.

• With guidance and oversight, onboards new loans from loan origination system into the loan accounting system and disburses loan proceeds; confirms loan was closed in compliance with loan closing instructions; monitors borrower loan conditions and documents the file accordingly. Assists the loan committee by requesting and filing necessary information to satisfy loan covenants and other reporting requirements.

• Develops an understanding of lien perfection through deed of trust and/or UCC filing and maintenance. Establishes and maintains electronic loan files and sends original documents to the Collateral Custodian. Works with internal departments to finalize and certify loans.

• Processes loan payments, disbursements, and related tasks necessary to service loan portfolio.
• Develops basic knowledge of cooperative structure, patronage program, and CFC product offerings.

• At a basic level, assists with credit servicing actions. With oversight and direction, reviews executed servicing action documentation, submits revisions to accounting systems, and updates electronic file documentation.

• Develops basic knowledge of required procedures, policies, processes, internal controls, and regulations with an ability to research and apply.

• Develops foundational knowledge of multiple systems and programs and demonstrates the ability to use CFC programs and systems used in lending and office administration.

• Assists with general office administration and operates a variety of standard office equipment.

REQUIRED SKILLS:

Basic Knowledge of:

• Accounting/financial systems.
• Computer systems and office equipment used for file management, file classification practices, and retrieval of business information.
• Documentation requirements for title insurance, deeds of trust, UCC financing statements, crop insurance, and flood insurance.

• Professional, oral, and written correspondence principles.
• Intermediate skill level in Microsoft Office applications.
• Organization and time management practices.
• Attention to detail.
• Working in a collaborative environment.
• Critical thinking skills.

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

LOCATION:

• The preferred location for this position is Lubbock, Texas.

EDUCATION REQUIREMENT:

• Bachelor’s degree in business administration, Finance, Accounting, Agricultural Economics, or a related field.

JOB REQUIREMENTS:

• Seven (7) to ten (10) of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases, or equivalent experience.
• Three (3) or more years in a lead, supervisory and/or management position required.

FUNCTIONS:

•    Coaches and trains commercial and capital markets relationship managers, credit analysts and loan administrators in the origination and servicing of Association’s largest and most complex borrowers' loans and leases (direct, purchased participations and sold participations). 
•    Establishes goals and objectives for credit analyst team in the Division served.
•    Manages delegated authority for credit analysts in the Division served
•    Assists in the management of loan and leases in the Division served in an effort to maintain acceptable risk levels and carry out association goals and objectives.
•    Hires, and evaluates credit analysts in the Division served.
•    Consults and works closely with Chief Credit Officer, Directors of Credit, Commercial and Capital Market's Lending Directors, other 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 Division served.
•    Mentors credit and administrative staff in the analysis and structuring of loans and leases.
•    Serves as a loan committee member to review and approve or deny loans and leases that exceed the delegated authority of loan officers and credit analysts.
•    Resolves issues related to credit underwriting by actively working with the Commercial and Capital Market's Lending Directors.
•    Responsible for compliance with credit standards for the Division served.
•    Ensures that loans and leases in Division portfolio are properly underwritten by credit analyst team. This include 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, including properly identifying risk rating on large commercial and capital markets loans and leases.
•    Determines creditworthiness of applicants for new loans or leases and credit servicing action in Division served.
•    Manages and oversees the underwriting process on credits in the Division served 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 Division served. Collaborates with the Director of Commercial Ag Credit 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 and lease servicing tasks.
•    Promotes the association by maintaining good public and member relations.

REQUIRED SKILLS:

• Experience leading teams in structuring and evaluating large complex loan, lease, and credit servicing actions for commercial, agribusiness and capital markets customers.
• Commitment to mentoring and developing others.
• Deep understanding of relevant market trends in Division served.
• Excellent communication (oral and written) and interpersonal skills, with the ability to work effectively as part of a deal team
• Ability to work independently and under minimal supervision, with appreciable latitude for decision-making.
• Specialized knowledge of accounting and finance principles.
• Intermediate skill level in Microsoft Office applications.

PREFERRED SKILLS:

• Knowledge of Farm Credit System and its lending and credit practices.

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.

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.

LOCATION: 

• This position will be located in our office in College Station, Texas.

EDUCATION REQUIREMENT:

• Associate or bachelor’s degree in accounting, business, finance, or a related field preferred or equivalent experience.

JOB REQUIREMENTS:

• zero (0) to three (3) years of accounting or related business experience in the operation, maintenance, and end-user support of loan accounting, including two or more years of loan origination, loan accounting, or related business experience, as well as experience in customer service.
• Experience in the operation, maintenance, and end-user support of loan accounting, cash management, general ledger, and/or other loan accounting systems preferred.

FUNCTIONS:

• Works with Credit Office personnel on posting of all loan accounting transactions related to payments, disbursements, and other income sources submitted by Association offices. Coordinates with credit offices to ensure proper and accurate accounting.
• Process transaction reversals.
• Conducts reconciliation and reporting as required.
• Ensures compliance with laws and regulations (including Regulation Z, RESPA, high-risk accounting, etc.), bankruptcy settlement agreements, procedures, and guidelines for loan accounting transactions related to payments, disbursements, and other income sources.
• Communicates frequently with supervisor to ensure appropriate resources are available to process transactions accurately and timely.

PREFERRED SKILLS:

• Position requires the ability to organize and handle multiple, concurrent tasks at once, and accomplish accurate, detailed tasks in short time frames.
• Must be able to adapt to and operate complex loan accounting systems quickly and accurately.
• Ability to learn and adapt to new applications and technology quickly.
• Position requires strong written and oral communication skills.
• Intermediate skill level in Microsoft Office applications.
• Problem solving skills including problem identification, fact-finding, research, analysis, and solution development.
• Ability to explain loan accounting treatments to others.
• Ability to conduct group or individual training sessions.
• Must be self-motivated and able to work with minimal supervision to complete assigned projects.
• Must have the ability to work closely with others.
• Ability to negotiate/resolve differences, provide feedback, as well as formulate well-thought-out solutions and gathering appropriate information.
• Ability to confidently speak in public.

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.

LOCATION:

• We will be making one hire that can be located in College Station, Texas. 

EDUCATION REQUIREMENT:

• Bachelor’s degree in accounting, business, finance, or related discipline.

JOB REQUIREMENTS:

• Three (3) or more years of experience in public accounting, internal auditing, and/or regulatory auditing.
• Experience in the financial services industry is a plus.
• CPA, CIA, or CISA required for Senior position.
• Ability to obtain CPA, CIA, or CISA required for Internal Auditor I and II positions.

FUNCTIONS:

• Performs audit responsibilities in accordance with the Institute of Internal Auditors (IIA) and Internal Audit departmental standards and documentation requirements.
• Maintains records of review and audit activity on Internal Audit departmental network drives and/or audit management systems.
• Performs moderately complex internal audit functions for the Association and assures compliance with FCA regulations pertaining to internal audit.
• Tests adequacy of Association internal controls to ensure data reported is accurate and supports the Association's disclosures to its stockholders.
• Obtains, analyzes, and appraises evidentiary data as the basis for an informed, objective opinion on the adequacy and effectiveness of the system of controls and the efficiency of performance for the activities being reviewed.
• Makes recommendations for the correction of deficiencies identified in assigned audits.
• Drafts audit reports for review by the Internal Audit Manager.
• Follows up on management responses as a result of audits to substantiate/evaluate the implementation of recommended changes.
• Coordinates with other Association staff, as appropriate, to avoid unnecessary redundancy of controls while ensuring appropriate control system design, function, and efficiency.
• 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.
• Performs other related duties, as assigned.

PREFERRED SKILLS:

• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Specialized knowledge of accounting internal controls and industry standard internal audit practices.
• Excellent oral and written communication.
• Basic to intermediate skill level in Microsoft Office applications.
• Ability to perform basic to intermediate accounting and audit analyses under moderate supervision.
• Strong time management and organizational skills.
• Ability to build relationships.

 
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

EDUCATION AND EXPERIENCE

This position will be located in our College Station, Round Rock, or Lubbock, Texas office. 

EDUCATION AND EXPERIENCE

3–5 years of experience in agricultural or commercial lending, credit analysis, portfolio management, or relationship management required. Bachelor’s degree in Finance, Agricultural Economics, Business Administration, or a related field required. Strong understanding of agribusiness operations and financial structures preferred. Experience within the Farm Credit System or a related agricultural credit organization preferred, including familiarity with Farm Credit System borrower rights and loan litigation processes. Professional certifications in credit, lending, or agricultural finance (e.g., CRC, CBA, or equivalent) preferred.

JOB SUMMARY

The Credit Relationship Specialist II - CommAg is responsible for managing a portfolio of complex, high-risk, and criticized commercial agricultural loans that Capital Farm Credit may agent and sell via syndication or participation. The portfolio also includes capital markets relationships to which Capital Farm Credit is not agent but is a syndicate member or participant.  The primary focus of this role is to maximize recovery, minimize credit losses, and support borrowers in regaining financial viability through proactive and strategic credit management.

This role involves comprehensive oversight of operating loans, including monitoring draw schedules, budget performance, and the appropriate application of proceeds. Developing and executing complex restructuring strategies tailored to the unique needs of commercial ag borrowers, including forbearance agreements, repayment plans, and innovative credit solutions. Assist in the development and execution of liquidation strategies, foreclosure proceedings, and bankruptcy case management in close coordination with legal counsel, ensuring full compliance with regulatory and internal policy requirements.

Working collaboratively with lending teams, the Credit Relationship Manager II - CommAg evaluates borrower viability and leads efforts to return accounts to performing status.  Provides expert guidance to credit analysts and relationship managers on loan terms, pricing, documentation, and risk mitigation strategies, particularly for loans exhibiting significant or emerging credit weaknesses.

In addition to managing CRG-assigned loans, also serves as a specialized resource for criticized volume not yet assigned to CRG. They act as a key influencer with borrowers and internal stakeholders, helping to stabilize accounts approaching distress status. May serve as the primary customer contact or work behind the scenes with the lending team to develop the appropriate approach. Their responsibilities include establishing and maintaining sound credit and loan administration practices, ensuring proper loan structure, pricing, and terms to manage risk effectively.

The Credit Relationship Manager II - CommAg also serves as the primary compliance officer on assigned loans, ensuring adherence to settlement laws, regulatory requirements, and internal procedures. They monitor loan performance, manage follow-up actions, and ensure timely, efficient service to internal and external stakeholders. The officer is responsible for gathering and analyzing customer financial data—including balance sheets, income statements, cash flows, and collateral valuations—and preparing detailed reports on loan performance, asset status, and recovery progress.

As a subject matter expert in commercial and capital markets lending, distressed borrower management, and complex agribusiness operations, the CRG Relationship Officer operates with minimal oversight. They demonstrate strong creativity, strategic thinking, and sound judgment in managing their portfolio and play a critical role in protecting the organization’s financial interests while supporting long-term borrower success.

ESSENTIAL FUNCTIONS

• Manage a portfolio of complex, high-risk, and criticized commercial agricultural loans, including capital markets and large-scale agribusiness operations, with a focus on recovery, risk mitigation, and borrower rehabilitation.
• Update syndicate members and participants of sold loans on borrower conversations, collection plans, and other events.
• Monitor operating loans for compliance with draw schedules, budget adherence, and application of proceeds to ensure proper use of funds and early identification of risk.
• Develop and execute distressed loan strategies such as forbearance agreements, repayment plans, restructuring proposals, and creative credit solutions tailored to complex ag operations.
• Coordinate liquidation plans, foreclosure processes, and bankruptcy case management in collaboration with legal counsel and internal stakeholders.
• Evaluate borrower viability and partner with lending teams to restore accounts to performing status through financial counseling and strategic engagement.
• Advise credit analysts and lenders on loan structure, pricing, documentation, and risk management for distressed or trending accounts.
• Proactively stabilize criticized volume not yet assigned to SAG, focusing on accounts nearing OAEM classification.
• Serve as the primary customer contact or support lenders in developing and implementing appropriate credit strategies.
• Ensure compliance with internal policies, regulatory requirements, and settlement laws, acting as the compliance lead for assigned loans.
• Analyze borrower financials—including income statements, balance sheets, cash flows, collateral valuations, and performance trends—to inform credit decisions and structure appropriate terms. 
• Prepare and present reports on loan performance, asset status, and recovery progress to management and stakeholders.
• Collaborate with Deal Team members to gather borrower data and design innovative credit packages aligned with customer needs and risk tolerance.
• Mentor junior Credit Resolution Group officers and contribute to team development and knowledge sharing.
• Communicate complex financial and credit concepts in clear, actionable terms to borrowers and internal teams to ensure accountability and execution.
• Maintain awareness of industry trends, market conditions, and borrower performance to identify emerging risks.
• Maintain detailed records, loan documentation, and relationship management data in accordance with Association standards.
• Demonstrate in-depth knowledge of FCA regulations and Association policies, with ongoing awareness of social, economic, governmental, and environmental factors impacting agriculture.

REQUIRED SKILLS

• Strong understanding of commercial and agricultural credit principles, loan documentation, and underwriting practices.
• Demonstrated ability to build and maintain productive customer relationships.
• Excellent analytical, negotiation, and problem-solving skills.
• Effective verbal and written communication skills, including presentation ability.
• Proficiency in Microsoft Office and loan origination systems.
• Strong organizational and time management skills.
• High level of integrity, professionalism, and business judgment.

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.

LOCATION:

• The preferred location for this position is Round Rock, Texas.

EDUCATION REQUIREMENT:

• Bachelor’s degree in business administration, Finance, Accounting, Agricultural Economics, or a related field.

JOB REQUIREMENTS:

• Seven (7) to ten (10) of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases, or equivalent experience.
• Three (3) or more years in a lead, supervisory and/or management position required.

FUNCTIONS:

•    Coaches and trains commercial and capital markets relationship managers, credit analysts and loan administrators in the origination and servicing of Association’s largest and most complex borrowers' loans and leases (direct, purchased participations and sold participations). 
•    Establishes goals and objectives for credit analyst team in the Division served.
•    Manages delegated authority for credit analysts in the Division served
•    Assists in the management of loan and leases in the Division served in an effort to maintain acceptable risk levels and carry out association goals and objectives.
•    Hires, and evaluates credit analysts in the Division served.
•    Consults and works closely with Chief Credit Officer, Directors of Credit, Commercial and Capital Market's Lending Directors, other 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 Division served.
•    Mentors credit and administrative staff in the analysis and structuring of loans and leases.
•    Serves as a loan committee member to review and approve or deny loans and leases that exceed the delegated authority of loan officers and credit analysts.
•    Resolves issues related to credit underwriting by actively working with the Commercial and Capital Market's Lending Directors.
•    Responsible for compliance with credit standards for the Division served.
•    Ensures that loans and leases in Division portfolio are properly underwritten by credit analyst team. This include 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, including properly identifying risk rating on large commercial and capital markets loans and leases.
•    Determines creditworthiness of applicants for new loans or leases and credit servicing action in Division served.
•    Manages and oversees the underwriting process on credits in the Division served 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 Division served. Collaborates with the Director of Commercial Ag Credit 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 and lease servicing tasks.
•    Promotes the association by maintaining good public and member relations.

REQUIRED SKILLS:

• Experience leading teams in structuring and evaluating large complex loan, lease, and credit servicing actions for commercial, agribusiness and capital markets customers.
• Commitment to mentoring and developing others.
• Deep understanding of relevant market trends in Division served.
• Excellent communication (oral and written) and interpersonal skills, with the ability to work effectively as part of a deal team
• Ability to work independently and under minimal supervision, with appreciable latitude for decision-making.
• Specialized knowledge of accounting and finance principles.
• Intermediate skill level in Microsoft Office applications.

PREFERRED SKILLS:

• Knowledge of Farm Credit System and its lending and credit practices.

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.

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.