Commercial Senior Credit Analyst

The role

The Commercial Senior Credit Analyst performs detailed financial analysis of commercial agriculture and agribusiness credits. This role involves assessing creditworthiness, conducting market research, and structuring complex loans and leases.

What you will do

• Collaborates in structuring, analysis and servicing of large and complex borrowers' loans and leases.
• Analyzes financial information including balance sheets, income statements and cash flows.
• Determines appropriate Probability of Default and Loss Given Default ratings.
• Analyzes collateral and borrower primary and secondary repayment sources.
• Provides guidance regarding Association lending policies and procedures.
• Develops, manages, and monitors loan portfolios.
• Performs credit administration, monitoring and due diligence review.
• Determines and recommends approval or denial of loans and leases.
• Participates in the development of loan relationships.
• Provides mentoring/training to less-senior credit analysts.

Required qualifications

• Bachelor’s degree in finance, Accounting, Agribusiness, Business Administration or a related field, or equivalent experience.
• Five (5) or more years of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases.
• Experience in structuring and evaluating complex loan, lease and credit servicing actions.
• Strong analytical and financial analysis skills.
• Intermediate knowledge of accounting/finance principles.
• Excellent communication (oral and written) and interpersonal skills.
• Ability to work independently and under moderate supervision.
• Proficiency in using financial analysis tools and software.
• Intermediate skill level in Microsoft Office applications.

Nice to have

• Thorough knowledge of financial credit analysis (including projections), collateral analysis, appraisal standards and repayment performance in the areas of agriculture/agribusiness loans, mortgage loa
• 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 & disability insurance.
• Tuition reimbursement.
• Up to $400 for wellness expenses.

Before you apply

• Applicants should personally complete and submit their 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.