Commercial Senior Credit 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 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 youll find more than a jobyoull find purpose.

LOCATION

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

EDUCATION AND EXPERIENCE

• Bachelors degree in finance Accounting Agribusiness Business Administration or a related field or equivalent experience.
• Five (5) or more years of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases.
• Experience in structuring and evaluating complex loan lease and credit servicing actions is essential and requires 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 Analyst collaborates with Commercial and Capital Markets Relationship Managers Special Assets Officers and Administrators in performing detailed 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 Associations largest and most complex borrowers.
• The Senior Credit Analyst will work under moderate 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.
• Fully competent mid-level professional assignments are broad in nature requiring originality ingenuity and leadership; has appreciable latitude for decision making; works under moderate supervision.
• May serve as a Team Leader.

ESSENTIAL FUNCTIONS

• Collaborates with Commercial and Capital Markets Relationship Managers Special Assets Officers and Loan Administrators in structuring analysis and servicing of the Associations largest and most complex borrowers loans and leases. Transactions include direct as well as purchased and sold loan and lease 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.
• Interprets communicates and provides guidance regarding Association lending policies and procedures.
• Develops manages and monitors loan portfolios including commercial loan originations and capital markets loan participation packages.
• Performs credit administration monitoring and due diligence review of various financial packages for reports as requested by management.
• 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.).
• Determines and recommends approval or denial of loans and leases.
• Complies with proper credit administration practices as outlined in the associations policies and procedures.
• Participates in the development of loan relationships with other lenders potential borrowers applicants members participants and loan/lease referral sources.
• Contributes to the development and closing of complex loans collaborating with management and relationship managers to negotiate such credits.
• Approves loans and leases and credit servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.
• Interprets communicates and provides guidance to relationship managers and administrators regarding association lending policies and procedures.
• Interprets and acts upon various legal title and other questions which may arise on loans or leases.
• Develops and administers lending programs as well as developing and revising operating procedures relating to lending operations.
• Provides mentoring/training to less-senior credit analysts.
• Collaborates with other association personnel in completing projects as assigned.
• May perform collateral evaluations as required. Other duties as assigned.

REQUIRED SKILLS

• Five or more years of experience in structuring and evaluating loan lease and credit servicing actions for commercial agribusiness and capital markets customers.
• Strong analytical and financial analysis skills with the ability to assess creditworthiness and conduct market research
• Intermediate knowledge of accounting/finance principles.
• 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 moderate supervision.
• Proficiency in using financial analysis tools and software.
• Intermediate skill level in Microsoft Office applications.

PREFERRED SKILLS

• 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.
• 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 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 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.