Capital Farm Credit

Commercial Credit Officer

College Station, Texas

Sponsorship not specifiedDetected 8 days ago

Financial AnalysisAccountingResearchCommunicationMicrosoft OfficeUnderwriting

About the role

This role involves assessing creditworthiness, conducting market research, and performing high-level credit analysis and structuring of the Association's largest and most complex borrowers.
The Credit Officer will work independently and under minimal supervision, as part of a deal team that guides credit actions through the entire process from initial discussions through underwriting, decision-making, closing, and servicing.
Processes and approves loans and leases in multiple territories within the limits of specific delegated authority consistent with Association policies.

Exercises sound credit judgment to develop unique financing and structuring solutions for a diverse customer base. Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues
Builds strong relationships with client management/owners and other financial institutions and assists in the management of purchased and sold loan and lease participations.
Exercises sound credit judgment to develop unique financing and structuring solutions for a diverse customer base.
Develops, manages, and monitors loan portfolios including commercial loan originations and capital markets loan participation packages.
Performs credit servicing tasks, which may include partial releases, subordination to mineral leases and right of ways, division orders, re-amortizations, assumptions, severance agreements, and insurance claims.

Bachelor's degree in finance, Accounting, Agribusiness, Business Administration or a related field, or equivalent experience.
Experience in structuring and evaluating complex loan, lease and credit servicing actions is essential, and requires proficiency in oral and written communication.
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).

Strong analytical and financial analysis skills, with the ability to assess creditworthiness and conduct market research
Ability to work independently and under minimal supervision, with appreciable latitude for decision-making.
Proficiency in using financial analysis tools and software.
Intermediate skill level in Microsoft Office applications.
Knowledge of Farm Credit System and its lending practices.

Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 10-12 paid holidays annually.

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.

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:
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.
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.
Company-wide, goals-based rewards.
Has appreciable latitude for decision making as part of a deal team.

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.
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.

This listing is sourced directly from Capital Farm Credit's careers page and normalized into a canonical job model.