Commercial Senior Credit Officer I

The role

The Commercial Senior Credit Officer I performs advanced financial analysis of commercial agriculture and agribusiness credits. This role involves assessing creditworthiness, structuring complex loans and leases, and managing loan portfolios.

What you will do

• Perform advanced financial analysis of commercial agriculture and agribusiness credits.
• Assess creditworthiness and conduct market research.
• Structure, evaluate, and monitor large complex loan, lease, and credit servicing actions.
• Process and approve loans and leases within delegated authority.
• Train less-senior loan officers and credit officers.
• Build relationships with client management and financial institutions.
• Manage purchased and sold loan and lease participations.
• Analyze financial information including balance sheets, income statements, and cash flows.
• Develop, manage, and monitor loan portfolios.
• Make credit presentations to loan committee and senior management.

Required qualifications

• Bachelor’s degree in Finance, Accounting, Agribusiness, Business Administration or a related field, or equivalent experience.
• Seven to ten years of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases.
• Experience in structuring, evaluating and monitoring large complex loan, lease and credit servicing actions.
• High proficiency in oral and written communication.
• Experience with direct, purchased, sold, and syndicated loans and leases.
• Thorough knowledge of financial credit analysis, collateral analysis, appraisal standards and repayment performance.
• Ability to work independently and under minimal supervision.
• Proficiency in using financial analysis tools and software.
• Intermediate skill level in Microsoft Office applications.

Nice to have

• Knowledge of Farm Credit System and its lending practices.

Benefits

• Incentive Program: Company-wide, goals-based rewards.
• 13 days of annual leave per year.
• 15 days of sick leave per year.
• 10-12 paid holidays annually.
• 401(k) with up to 9% employer contribution/match.
• Affordable medical, dental, and vision plans.
• 8 weeks of paid parental leave.
• Employer-paid life and disability insurance.
• Tuition reimbursement.
• Up to $400 for wellness expenses.

Before you apply

• Applicants should personally complete and submit application materials.
• 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.

About the company

Capital Farm Credit is the largest rural lending cooperative in Texas, serving 192 counties through nearly 70 credit offices. It provides financial services to farmers, ranchers, rural homeowners, and agribusinesses.