Commercial Credit Analyst

The role

This person will conduct data analysis and risk determination for large commercial and agribusiness credits. They will perform credit analysis on loans and leases to assess credit worthiness and mitigate risk.

What you will do

• Partners with Relationship Managers, Special Assets Officers, and Loan Administrators in analysis, servicing and reporting of loans and leases.
• Analyzes financial information including balance sheets, income statements and cash flows.
• Determines appropriate risk Probability of Default (PD) rating for loans and leases.
• Analyzes collateral and borrower primary and secondary repayment sources.
• Determines appropriate Loss Given Default (LGD) rating for loans and leases.
• Provides guidance regarding Association lending policies and procedures.
• Develops credit recommendations that align with Association policies and risk tolerance.
• Reviews and approves loans submitted by other lending staff that exceed delegated authority.
• Contributes to the structuring, development, and closing of loans and leases.
• Provides mentoring/training to less-senior credit analysts.

Required qualifications

• Bachelor’s degree in finance, Business Administration or a related field, or equivalent experience.
• Three (3) to five (5) years of experience in the administration and analysis of credit on commercial, agribusiness, and mortgage loans including risk assessments and recommendations on approval of new
• Proficiency in oral and written communication.
• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Intermediate skill level in Microsoft Office applications.
• Ability to perform intermediate-level accounting and financial analyses under moderate supervision.

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 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.