About Us
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 :
- Incentive Program : Company-wide goals-based rewards.
- Accrued Time Off : Earn 13 days of annual leave and 15 days of sick leave per year plus enjoy 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.
At Capital Farm Credit youll find more than a jobyoull find purpose.
LOCATION :
This position may be located in College Station or Round Rock and consideration for other Capital Farm Credit offices may be given based on the candidate and office space availability.EDUCATION REQUIREMENT :
Bachelors degree in business finance agriculture or a related field is required.Professionalcertifications such as Certified Agricultural Consultant (CAC) or Chartered Financial Analyst (CFA) arestrongly preferred.JOB REQUIREMENTS :
Candidates should possess 8 to 10 years of progressively responsible experience incommercial or agricultural lending including credit analysis financial statement review loan structuringand portfolio management.A strong background working with commercial agriculture or operating companiessuch as those in food procurement processing or distributionis essential.Proven success in relationshipmanagement business development and independently managing complex lending scenarios isrequired.Familiarity with cross-selling financial products and collaborating with internal credit and lendingteams is also key to success in this role.FUNCTIONS :
Develop new business and service existing commercial and real estate customers.Analyze loan applications determine eligibility and scope of financing and process / approve loanswithin delegated authority.Evaluate loan collateral and ensure proper lien perfection on all assets.Utilize CRM tools to build and manage a comprehensive database of customers and prospects.Network with food processing marketing and distribution industries and build referralrelationships with middle market banks.Cross-sell Farm Credit products including FC Leasing AgDirect Young / Beginners / Small Farmerprograms and Home Lending.Prepare and submit Financing Proposals for credits exceeding authority with recommendations for approval or rejection.Collaborate with internal teams including Credit Capital Markets Legal and loan processors oncomplex loans.Build and maintain business relationships with agricultural producers rural landowners andcommunity leaders.Represent the Association at local and regional events promoting the organization and itsservices.Make and service loans and leases for operating needs equipment and real estate andrecommend loan structures and pricing.Review borrower financials (balance sheets income statements cash flows) to determinecreditworthiness.Perform loan servicing activities such as re-amortizations extensions subordination agreementsand collateral inspections.Ensure accurate risk ratings and loss given default assignments on all assigned loans.Assist in collections and work with delinquent borrowers to restore loan performance.Verify maintenance of loan covenants and ensure title and lien validity on all collateral.May perform appraisals inspections and collateral evaluations in accordance with standards.REQUIRED SKILLS :
Strong interpersonal skills with the ability to build and maintain client relationships.Ability to engage with clients and stakeholders in high-profile fast-paced and competitive situations.Excellent oral and written communication skills.General and specialized knowledge of accounting and finance principles.Proficiency in reviewing and analyzing financial statements and credit data.Intermediate proficiency in Microsoft Office applications (Word Excel Outlook etc.).Strong decision-making and problem-solving abilities in complex lending scenarios.Ability to work independently with minimal supervision while managing multiple priorities.High level of social intelligence and self-awareness.Comfort working in both team-based and client-facing environments.We are an Equal Employment / Affirmative Action employer. We do not discriminate in hiring on the basisof sex race color religious creed national origin physical or mental disability protected Veteran statusor any other characteristic protected by federal state or local law.
If you need a reasonable accommodation for any part of the employment process please contact us byemail at and let us know the nature of your request and your contactinformation. Requests for accommodation will be considered on a case-by-case basis. Please note thatonly inquiries concerning a request for reasonable accommodation will be responded to from this e-mailaddress.
At the discretion of CFC position may be offered at alternate titles and other business experience may be considered relevant.
AA / EOE / M / F / D / V; Full description available on request
Equal Opportunity Statement
Capital Farm Credit is committed to creating a diverse and inclusive workplace. The position title and requirements may be adjusted based on the candidates 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.
Required Experience :
Manager
Key Skills
Business Development,Portfolio Management,Leadership skills,Credit Analysis,Cash Flow Analysis,Banking,Relationship Management,Underwriting,Financial Analysis,Customer relationship management,negotiation,RMF
Employment Type : Full Time
Experience : years
Vacancy : 1