Position Description:
The Sr Credit Officer I provides senior-level credit analysis, underwriting, and portfolio servicing support for assigned participation accounts and offerings, with responsibility for evaluating complex commercial and agricultural credits, exercising delegated lending authority where authorized, and preparing recommendations for matters requiring higher approval. The role supports association relationship management, direct and OFI lending program evaluation, and development of lending practices and operating procedures, while contributing industry, peer group, and portfolio analysis that informs sound credit decision-making, portfolio risk management, and Bank lending strategy.
Day-to Day-Duties and Responsibilities:
- Perform financial analysis, credit administration, portfolio monitoring, an d due diligence on official loans, excess loans, and loan participation packages received from district associations or other commercial lenders.
- Act on association official loans, excess loans, prior approval loans, and loan servicing actions within delegated authority and prepare recommendations for loan committee consideration on transactions exceeding delegated authority.
- Interpret, communicate, and provide guidance to associations regarding sound lending practices, credit expectations, and applicable lending procedures.
- Interpret and address legal, title, and related issues that arise in connection with assigned loans and credit relationships.
- Assist in developing and administering lending programs and in developing and revising operating procedures related to lending operations.
- Assist management in evaluating the Bank's direct lending and Other Financing Institution lending programs.
- Assist district associations in the de velopment and closing of complex loans through credit analysis, structuring input, and negotiation support.
- Develop loan participation and correspondent banking relationships with other lenders and manage and supervise assigned participation loan relationships in accordance with supervisory direction.
- Prepare industry analysis, peer group analysis, portfolio analysis, and other special project work as assigned.
- Assist other Bank personnel in completing coordinated projects as assigned.
What You Bring to the Team:
Our ideal candidate lives within a commutable distance from our office and appreciates the value of hybrid work design.
It's an important role that covers many skills. This position requires:
Required
- Bachelor's degree in agricultural economics, finance, business administration, or another related business field, or commensurate experience,
- Seven (7) to ten-plus (10+) years of experience in all fa cets of lending, including the marketing, extension, administration, and analysis of commercial credits and agricultural production loans,.
- Experience analyzing complex credits and negotiating and administering large loans over Five Million Dollars ($5,000,000).
- Experience working with management and senior loan officers of other financial institutions in structuring and evaluating official loans, excess loans above delegated authorities, loan participations, and direct loan or correspondent lending relationships.
- Demonstrated expertise in credit administration, financial analysis, loan analysis software, accounting standards, credit policies, and lending procedures.
Preferred
- Experience supporting lending program development, operating procedure revision, and portfolio analysis within a regulated financial services environment is preferred.
- Experience working with agricultural production loans, mortgage loans, and complex commercial cre dits is preferred.
- Experience developing correspondent banking and loan participation relationships is preferred.
- Demonstrated ability to provide guidance to associations and to support complex loan structuring and negotiations is preferred.
Why Farm Credit Bank of Texas:
In addition to a competitive salary, 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 immediate vesting of a generous employer match and additional employer contribution
- Long-term disability and life insurance
- Vacation leave, sick leave, and paid holidays
- Fertility benefit and parental leave plan
- Up to two days per year to volunteer in loca l 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. A real person will review your applications, meaning 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. We can't personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit.