Senior Credit Analyst

The role

This person performs moderately complex credit analysis on loans and leases. They assist Relationship Managers and Special Assets Officers with data input, risk determination, and servicing.

What you will do

• Provides assistance to Relationship Managers, Special Assets Officers, and Administrators in analysis and servicing of loans and leases.
• Analyzes financial information including balance sheets, income statements and cash flows to ascertain credit worthiness.
• Determines appropriate Probability of Default and Loss Given Default ratings.
• Analyzes collateral and borrower primary and secondary repayment sources.
• Interprets, communicates, and provides guidance regarding Association lending policies and procedures.
• Performs credit administration, monitoring and due diligence review of financial packages.
• Determines and makes recommendations for approval or denial of loans and leases.
• Participates in the development of loan relationships.
• Assists in the development and closing of complex loans.
• Acts as an approver of loans and leases within personal delegated authority.

Required qualifications

• Bachelor’s degree in Finance, Business Administration or a related field, or equivalent experience.
• Five (5) or more years of experience in the administration and analysis of moderately complex credits on commercial and mortgage loans and leases.
• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Skill in oral and written communication.
• Intermediate skill level in Microsoft Office applications.
• Ability to perform complex accounting/financial analyses under limited supervision.

Nice to have

• Experience in structuring and evaluating complex loan, lease and credit servicing actions is helpful.
• This may include purchased and sold loan and lease participations.

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.
• Submissions generated by automated tools or third-party mass application services may not be reviewed.
• 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.