Lead Credit Officer

Farm Credit Bank of Texas

Austin, Texas

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JOB DETAILS

SKILLS

Accounting, Accounting Standards and Regulations, Administrative Skills, Agriculture, Analysis Skills, Analysis Software, Banking Services, Budgeting, Business Administration, Business Support, Capital Markets, Cash Flow, Commercial Loans, Communication Skills, Correspondent Lending, Credit Analysis, Direct Lending, Due Diligence, Economics, Finance, Financial Analysis, Food Safety, Forecasting, Funding, Human Resources, Interpersonal Skills, Leadership, Legal, Loan Closing, Loan Operations, Loan Policy, Loan Portfolio, Loan Structuring, Loans, Mentoring, Mortgage Lending, Negotiation Skills, Operations Processes, People Management, Portfolio Analysis, Presentation/Verbal Skills, Product Development, Project/Program Coordination, Risk Analysis, Risk Management, Team Lead/Manager, Time Management, Training/Teaching, Trend Analysis, Underwriting

LOCATION

Austin, Texas

POSTED

30+ days ago

JOB DESCRIPTION

Who we are:

Farm Credit Bank of Texas is a $40.9 billion wholesale bank that has been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending associations in five states, and we are active in the nation's capital markets.

While you may not be familiar with our name, Farm Credit Bank of Texas plays a critical role in supporting the businesses that make it possible for America to maintain access to an affordable and safe food supply, an industry which is one of the most innovative and evolving of our time. And while you help us deliver on our mission, we deliver on our commitment to you as a valued employee by providing competitive compensation, generous health and wellness benefits packages and an attractive workplace located along the bluffs of the Colorado River just minutes west of downtown Austin.

We seek out top talent in their fields, whether it be technology, finance, accounting, credit, human resources, or other administrative functions, and welcome you to join us in our mission to feed the world.

Position Description:

The primary responsibility of this role is to lead a team of credit officers in managing a designated portfolio of accounts. This includes providing guidance, training, mentorship, and oversight to ensure quality and consistency in credit analysis. In addition to leadership duties, the role requires maintaining an individual portfolio and performing underwriting for assigned transactions.

The position will assist the Directors in the analysis, servicing, and reporting of the bank's loan participations. It will also require the individual to develop industry and peer group analysis, portfolio analysis, and complete other special projects as assigned.

Day-to Day-Duties and Responsibilities:

Leads team of credit officers within a vertical, ensuring management of workflow. Serve as a trainer/mentor to develop credit skills of officers.
Collaborates effectively with the Lending Team on deal flights, underwriting, and preparation for Loan Committee to ensure comprehensive analysis and timely execution.
Performs financial analysis, credit administration, monitoring and due diligence as necessary on official loans, excess loans, and loan participation packages received from district associations or other commercial lenders.
Maintains an understanding of industries and credits within the assigned portfolio, monitoring trends and identifying at-risk credits to proactively monitor risk.
Interprets, communicates, and provides guidance to associations regarding sound lending practices.
Interprets and acts upon various legal, title and other questions which may arise on loans.
Assists in developing and administering lending programs, as well as developing and revising operating procedures relating to lending operations.
Assists in the development and closing of complex loans by assisting with analysis and negotiation of such credits.
Development of loan participation and correspondent banking relationships with other lenders. The incumbent will manage complex loan relationships as directed by supervisor, SVP Credit Analysis
Assists other bank personnel in completing coordinated projects as assigned.

Skills:

This position requires skill and knowledge in credit administration, financial analysis, the use of various loan analysis software programs, accounting standards, credit policies and procedures, as well as program and product development. Excellent computer, interpersonal, public speaking and communication skills are required. A thorough knowledge is required of financial statement analysis, forecasting models, cash flow budgets, collateral analysis, appraisal standards and payment performance in the areas of agriculture production loans, mortgage loans and commercial credits. Must be able to accurately identify, measure and manage risk in loans, loan portfolios and direct loans. This position will require time management skills with travel up to 25 percent.

What You Bring to the Team:

Our ideal candidate lives within a commutable distance from our office and appreciates the value of hybrid work design. We strongly prefer candidates who are local to the Austin, TX area. However, we will consider remote candidates for the right individual.

It's an important role that covers many skills. This position requires:

Position requires a Bachelor's Degree in agriculture economics, finance, business administration or other related business field or commensurate experience and seven (7) or mor

Lead Credit Officer

Farm Credit Bank of Texas

Austin, Texas

About the Company

Farm Credit Bank of Texas

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