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    Sr Credit Officer II - Austin, United States - Farm Credit

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    Description

    Job Description:

    Who we are:

    Farm Credit Bank of Texas is a $36.9 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 hybrid 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 technolo gy, finance, accounting, credit, human resources, or other administrative functions, and welcome you to join us in our mission to feed the world.


    Position Description:
    We are searching for a Sr. Credit Officer. The Sr.

    Credit Officer will thoroughly analyze and underwrite assigned participation accounts and offers, along with the servicing of such assigned accounts.

    The position will assist the Association Relationship Managers and Lenders in the analysis, servicing, and reporting of the bank's direct loans to associations and loan participations.

    The position will also require the individual to develop industry and peer group analysis, portfolio analysis, and other special projects as assigned.


    Day-to Day-Duties and Responsibilities:
    Working in our hybrid work design you will:


    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.

    Acts upon association official and excess, prior approval loans and loan servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.

    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 management in evaluation of the bank's direct and OFI lending programs.

    Assists in the development and closing of complex loans by assisting the district associations 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, manager of commercial credit.
    Assists other bank personnel in completing coordinated projects as assigned.
    Serves as a trainer/mentor to develop credit skills of officers and other department and bank staff.

    What You Bring to the Team:
    It's an important role that covers many skills


    This position requires:

    A Bachelor's Degree in agriculture economics, finance, business administration or other related business field or commensurate experience and ten (10) or more years' experience in all facets of lending including the marketing, extension, administration and analysis of commercial credits and agriculture production loans.

    The incumbent should have experience and knowledge in the analysis of complex credits, as well as negotiating and dealing with large loans over $5 million.

    The incumbent should have experience working with management and senior loan officers of other financial institutions in the structuring and evaluating of official loans, excess loans (above delegated authorities), loan participations and analysis of direct loan/correspondent lending relationships.

    This position requires skill a nd 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.

    Why Farm Credit Bank of Texas:
    In addition to a competitive salary, we offer comprehensive, affordable, and competitive benefit options that are focused on health and wellness, financial security, and achieving a work-life balance:

    Flexible health-and-wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts, and more.
    401(k) plan that includes an employer match and additional employer contribution
    Long-term disability and life insurance
    Vacation leave, sick leave, and paid holidays
    Option to use sick leave to take your pet to the vet for emergency services
    Up to five days per year to volunteer in local community organizations, services, or events
    Ongoing professional-development opportunities
    Generous tuition-reimbursement program
    Physical fitness incentive plan
    Employer matching gifts program


    Our culture:

    In a world filled with unpredictable challenges, we invest in our people and ensure they have dependable careers with ample growth opportunities.

    As part of the larger Farm Credit System, we focus on building our culture around personal relationships and the ability to be connected to leadership through in-person conversations, regular town halls and employee engagement events.

    We are deeply committed to attracting and fostering a diverse workforce, development and career advancement and recognizing the hard work of individuals who contribute to our success.



    Important note:
    We care about your hiring process and take it seriously. A real person will review your applications, meaning response timelines may vary.

    The interviewing process at Farm Credit Bank of Texas may include phone calls and emails, on-site interviews, and requests for portfolios or demonstrations of work.

    We can't personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit.


    A/EOE/M/F/D/V

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