Sr Credit Officer I - Fiber & Staples

Farm Credit Bank of Texas

Austin, Texas

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JOB DETAILS

SKILLS

Accounting, Administrative Skills, Agriculture, Analysis Skills, Bank Management, Banking Services, Business Support, Capital Markets, Cash Flow, Correspondent Lending, Credit Analysis, Credit Risk, Decision Support, Direct Lending, Documentation, Due Diligence, Finance, Financial Analysis, Financial Trend Analysis, Food Safety, Funding, Human Resources, Industry/Trade Analysis, Investment Management, Leadership, Legal, Loan Closing, Loan Operations, Loan Policy, Loan Structuring, Loans, Market Analysis, Negotiation Skills, Operations Processes, People Management, Portfolio Analysis, Problem Solving Skills, Project Tracking, Project/Program Coordination, Reconciliation, Risk, Risk Analysis, Time Management, Transaction Processing/Management, Trend Analysis, Underwriting

LOCATION

Austin, Texas

POSTED

9 days ago

JOB DESCRIPTION

Who we are:

Farm Credit Bank of Texas is a $42.2 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 Senior Credit Officer I is responsible for underwriting, analyzing, servicing, and monitoring assigned participation, direct lending, official loan, and excess loan relationships. This role performs in-depth financial analysis, due diligence, credit administration, portfolio monitoring, and transaction support for commercial, agricultural, and related lending opportunities, while helping ensure sound credit discipline, responsive service, and compliance with Bank credit standards and portfolio risk expectations.

The position partners with Directors, Capital Markets Credit Analysis leadership, associations, and other financial institutions to evaluate complex credits, support loan participations and correspondent lending relationships, and contribute to portfolio reporting, industry analysis, and special projects. The role requires sound credit judgment, strong analytical capability, and the ability to manage complex transactions and portfolio relationships with an appropriate level of independence.

Day-to Day-Duties and Responsibilities:

Perform financial analysis, underwriting, credit administration, monitoring, and due diligence for assigned official loans, excess loans, loan participation packages, direct loan relationships, and other commercial or agricultural credit opportunities.
Analyze borrower financial statements, cash flow, collateral, repayment capacity, industry conditions, risk trends, and transaction structures to assess creditworthiness and portfolio risk.
Support structuring, evaluation, and negotiation of complex credits, including large loans, participations, correspondent lending relationships, and other specialized transactions.
Monitor assigned participation and portfolio relationships to identify emerging risks, performance trends, covenant concerns, servicing needs, and other matters requiring attention or escalation.
Assist Directors and Credit leadership in the analysis, servicing, reporting, and ongoing management of the Bank's loan participations and related portfolio activity.
Interpret, communicate, and provide guidance to associations regarding sound lending practices, credit policies, financial analysis, and portfolio considerations.
Review and help resolve legal, title, collateral, documentation, and other credit-related questions that arise during underwriting, servicing, or transaction execution.
Support development, administration, and enhancement of lending programs, operating procedures, and practices related to lending operations and portfolio management.
Assist in development and closing of complex loans by supporting analysis, structuring, negotiation, and coordination with internal and external stakeholders.
Support development and maintenance of loan participation and correspondent banking relationships with other lenders and financial institutions.
Manage assigned participation loan relationships and provide timely follow-up on servicing, monitoring, reporting, and issue resolution.
Develop industry analysis, peer group analysis, portfolio analysis, and related credit materials to support decision-making, portfolio oversight, and special projects.
Prepare clear, well-supported credit analysis, underwriting documents, portfolio summaries, and recommendations for leadership and other stakeholders.
Assist other Bank personnel in completing coordinated projects, portfolio reviews, and credit-related initiatives as assigned.
Perform other duties and responsibilities as assigned.

What You Bring to the Te

Sr Credit Officer I - Fiber & Staples

Farm Credit Bank of Texas

Austin, Texas

About the Company

Farm Credit Bank of Texas

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