Commercial Credit Officer

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 10-12 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, you’ll find more than a job—you’ll find purpose.

LOCATION

This position will be located at our office in Amarillo, Texas. 

EDUCATION AND EXPERIENCE

• Bachelor’s degree in Finance, Accounting, Agribusiness, Business Administration or a related field, or equivalent experience.
• Seven (7) to ten (10) years of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases.
• Requires experience in structuring, evaluating and monitoring large complex loan, lease and credit servicing actions.
• Requires high proficiency in oral and written communication.
• Transactions include direct, as well as purchased, sold, and syndicated loans and leases.

JOB SUMMARY

• The Commercial Senior Credit Officer I will assist Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Administrators in performing advanced financial analysis of commercial agriculture and agribusiness credits.
• This role involves assessing creditworthiness, conducting market research, and performing high-level credit analysis and structuring of the Association’s largest and most complex borrowers.
• The Senior Credit Officer I will work independently and under minimal supervision, often as part of a deal team that guides credit actions through the entire process from initial discussions through underwriting, decision-making, closing, and servicing.
• Processes and approves loans and leases in multiple territories within the limits of specific delegated authority consistent with Association policies.
• Assists in training less-senior loan officers and credit officers to ensure quality service and attainment of the Association’s credit goals.
• Has appreciable latitude for decision making as part of a deal team.
• Builds strong relationships with client management/owners and other financial institutions and assists in the management of purchased and sold loan and lease participations.
• An established credit professional operating with limited oversight.

ESSENTIAL FUNCTIONS

• Provides assistance to Commercial and Capital Markets Relationship Managers, Special Assets Officers and Loan Administrators in structuring, analysis, and servicing of the Association’s largest and most complex borrowers' loans and leases (direct, purchased participations, and sold participations).
• Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers and borrowers to ascertain credit worthiness. Determines appropriate Probability of Default {PD} rating for loans and leases.
• Analyzes collateral and borrower primary and secondary repayment sources. Determines appropriate Loss Given Default {LGD} rating for loans and leases.
• Demonstrates a strong understanding of key ratio analysis, and the relationship of those ratios on the various financial statements (balance sheet, income statement, cash flow statement, etc).
• Exercises sound credit judgment to develop unique financing and structuring solutions for a diverse customer base. Assists large-scale prospective and current borrowers with their credit needs and with formulating solutions to credit related issues.
• Develops, manages, and monitors loan portfolios including commercial loan originations and capital markets loan participation packages.
• Interprets, communicates, and provides guidance regarding association lending policies and procedures.
• Reviews and approves loans and leases submitted by other lending staff that exceed their delegated authority.
• Ensures compliance with Association policies and procedures.
• Performs credit servicing tasks, which may include partial releases, subordination to mineral leases and right of ways, division orders, re-amortizations, assumptions, severance agreements, and insurance claims.
• Makes credit presentations to loan committee/senior management with recommendation for approval or denial of loan requests.
• Builds strong relationships with client management/owners and other financial institutions.
• May assist with or attend public relations functions for the Association, industry conferences, and lender meetings.
• Assists other association personnel in completing coordinated projects as assigned.
• May perform collections on assigned loans and assists management with collections on all loans in the portfolio. Works with loan officers, administrators and Special Assets Group to service problem loans.

REQUIRED SKILLS

• 7-10 years of experience in structuring and evaluating large complex loan, lease, and credit servicing actions for commercial, agribusiness and capital markets customers. 
• Excellent analytical and financial analysis skills, with the ability to assess creditworthiness and conduct market research
• Thorough knowledge of financial credit analysis (including projections), collateral analysis, appraisal standards and repayment performance in the areas of agriculture/agribusiness loans, mortgage loans and commercial ag/operating credits
• Excellent communication (oral and written) and interpersonal skills, with the ability to work effectively as part of a deal team
• Ability to work independently and under minimal supervision, with appreciable latitude for decision-making.
• Proficiency in using financial analysis tools and software.
• Intermediate skill level in Microsoft Office applications.

PREFERRED SKILLS

• Knowledge of Farm Credit System and its lending practices.

DISCLAIMER

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or 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 by email at careers@capitalfarmcredit.com and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address. For more information, view the EEO - Know Your Rights and Pay Transparency Statement.

Applicants should personally complete and submit their application materials. Submissions generated through automated tools or third-party mass application services may not be reviewed.

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 candidate's 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. 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.