Capital Farm Credit is the largest rural lending cooperative in Texas, providing credit and other related services to farmers, ranchers, rural home owners, and agribusinesses with over $12 billion in total assets and over 600 team members. We serve 192 counties in Texas with nearly 70 credit offices and are a proud member of the nationwide Farm Credit System.

We seek highly motivated and engaged people who foster the core values behind who we are, how we work and how we treat others - with commitment, trust and value and family-like respect and appreciation. Capital Farm Credit works diligently to ensure we provide our full-time employees with a market-based compensation program including competitive salary, employee benefits, participation in an attractive goals-based incentive program, and development opportunities. As a customer-owned cooperative, our compensation and benefit programs are designed to align the success of our members with the employee's success.

Our comprehensive benefit program includes, but is not limited to:

• An outstanding company-wide incentive program
• Accommodating and flexible vacation and sick leave
• 10-12 paid holidays
• 401(k) plan with up to a 9% employer contribution/match
• Affordable health, dental, and vision plans
• 8 weeks of paid parental leave
• Employer paid life insurance and disability
• Tuition reimbursement
• Up to $400/year wellness reimbursement

LOCATION:

• The candidate may be located in a branch office within the San Antonio/West Texas Market. Preference will be for the San Antonio, Kenedy, Jourdanton, and San Angelo locations based on current office space availability.

EDUCATION REQUIREMENT:

• Bachelor's degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience

JOB REQUIREMENTS:

• eight (8) to ten (10) of progressively responsible banking or related agricultural lending experience with 3 years or more in a supervisory and/or Management position.

FUNCTIONS:

• Coaches and trains loan officers, credit analyst and administrators in the origination and servicing of loans and leases
• Establishes goals and objectives for credit analyst team in the Market area served.
• Manages delegated authority for credit analysts in the Market area
• Assist in the management of loans and leases in the Market area in an effort to maintain acceptable risk levels and carry out Association goals and objectives.
• Hires and evaluates credit analysts in the Market Area.
• Consults and works closely with Chief Credit Officer, Directors of Credit, other Regional Credit Officers, Regional President, 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 Market area.
• Mentors credit and administrative staff in the analysis and structuring of loans and leases.
• Reviews and approves or denies loans and leases that exceed the delegated authority of loan officers and credit analysts.
• Serves as a loan committee member.
• Resolves issues related to credit underwriting by actively working with the Market/Regional President and Loan Administration Manager in the assigned Market Area
• Responsible for compliance with credit standards for the Market Area.
• Ensures that loans and leases in market area 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.
• Determines creditworthiness of applicants for new loans or leases and credit servicing actions in Market Area.
• Manages and oversees the underwriting process on credits in the Market Area 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 Market area. Collaborates with the Regional President(s) in the Market Area 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 servicing tasks.
• Promotes the Association by maintaining good public and member relations.

PREFERRED 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.

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.