Resolution Analyst

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.

EDUCATION AND EXPERIENCE

Bachelors degree in business administration Finance or a related field or equivalent experience and 1-3 years of experience in banking or related agricultural lending experience the administration and analysis of credits on commercial and mortgage loans and experience in structuring and evaluating credit relationships.

JOB SUMMARY

The Credit Resolution Analyst supports the monitoring and servicing of a portfolio of high-risk loans assigned to the Credit Resolution Group (CRG) primarily focused on accounts in collection or liquidation. Under close supervision the analyst assists lending staff with loan servicing activities financial analysis and coordination of inspections or evaluations to assess risk. This role involves working with small to mid-size loans of moderate complexity while developing proficiency in handling more advanced accounts through collaboration with senior team members.

The analyst helps prepare and send formal correspondence such as restructuring notices and demand letters and maintains accurate records of loan activity. Monitoring loans 30 days or more past due and contacting past due borrowers to assess financial condition and identify signs of distress. If hardship is confirmed they assist in initiating the restructuring process in accordance with Association policy.

Additional responsibilities include supporting financial reviews of borrower documents assisting with collection plans and contributing to recommendations for asset disposition. The analyst interacts regularly with regional lending personnel legal counsel and external vendors to support the administration and resolution of managed assets. Over time the analyst builds experience judgment and creativity in managing assigned accounts within established guidelines.

ESSENTIAL FUNCTIONS

• Supports lending staff legal counsel and management in executing action plans for resolving distressed credits under supervision.
• Assists with collection activities including preparing distress restructuring notices demand letters and related documentation such as distressed loan restructuring plans or forbearance agreements.
• Reviews borrower financials to help inform credit decisions and support resolution strategies with guidance from senior staff.
• Participates in collection and liquidation efforts ensuring actions comply with regulations and borrower rights.
• Provides input on loan structure and risk management under direction from more experienced team members.
• May assist in recommending auction reserves or foreclosure bids within delegated authority under supervision.
• Helps manage distressed loans by supporting borrower engagement restructuring efforts and resolution planning.
• Contributes to the preparation of allowance reports and collection plans with oversight.
• Monitors and documents loan comments for accounts 30 days or more past due and submits updates to management on acquired property and selected special assets.
• Contacts past due borrowers to assess financial condition and initiate restructuring when appropriate following established procedures.
• Collaborates with relationship managers and credit analysts to support development of restructuring plans or forbearance agreements.
• May serve as a secondary contact for borrowers and assist lenders in implementing credit strategies.
• Supports bankruptcy case management in coordination with external legal counsel and internal teams under supervision.
• Under supervision manages non-earning and distressed loans within the assigned portfolio in accordance with Association policies working directly with borrowers to pursue restructuring financial counseling or resolution strategies. If recovery is not feasible prepares loans for exit through appropriate disposition channels.

REQUIRED SKILLS

• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Specialized knowledge of loan term negotiation accounting standards banking regulations operations and credit practices.
• Skill in financial analysis of general commercial credits.
• Skills in oral and written communication.
• Basic skill level in the use of various loan analysis software programs.
• Basic skill level in Microsoft Office applications.
• Ability to perform basic to intermediate-level accounting/financial analyses under moderate supervision.

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 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.

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. 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.