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About the Role

The Sr Credit Officer I provides senior-level credit analysis, underwriting, and portfolio servicing support for assigned participation accounts and offerings. This role evaluates complex commercial and agricultural credits, exercises delegated lending authority, and prepares recommendations for higher approval. It supports association relationship management, lending program evaluation, and the development of lending practices and procedures, contributing to sound credit decision-making and Bank lending strategy.

Responsibilities

Perform financial analysis, credit administration, portfolio monitoring, and due diligence on official loans, excess loans, and loan participation packages.
Act on association official loans, excess loans, prior approval loans, and loan servicing actions within delegated authority.
Prepare recommendations for loan committee consideration on transactions exceeding delegated authority.
Interpret and communicate sound lending practices, credit expectations, and applicable lending procedures to associations.
Interpret and address legal, title, and related issues for assigned loans and credit relationships.
Assist in developing and administering lending programs and revising operating procedures.
Assist management in evaluating the Bank’s direct lending and Other Financing Institution lending programs.
Assist district associations in the development and closing of complex loans through credit analysis, structuring input, and negotiation support.
Develop loan participation and correspondent banking relationships with other lenders.
Manage and supervise assigned participation loan relationships.
Prepare industry analysis, peer group analysis, portfolio analysis, and other special project work.
Assist other Bank personnel in completing coordinated projects.

Requirements

Bachelor’s degree in agricultural economics, finance, business administration, or another related business field, or commensurate experience.
Seven (7) to ten-plus (10+) years of experience in all facets of lending, including marketing, extension, administration, and analysis of commercial credits and agricultural production loans.
Experience analyzing complex credits and negotiating and administering large loans over Five Million Dollars ($5,000,000).
Experience working with management and senior loan officers of other financial institutions in structuring and evaluating official loans, excess loans above delegated authorities, loan participations, and direct loan or correspondent lending relationships.
Demonstrated expertise in credit administration, financial analysis, loan analysis software, accounting standards, credit policies, and lending procedures.

Skills

Credit analysis
Underwriting
Portfolio servicing
Financial analysis
Credit administration
Loan analysis software
Accounting standards
Credit policies
Lending procedures
Negotiation

Location

Austin, Texas

Work Type

Hybrid

Experience Level

Senior-level
7-10+ years

Education Level

Bachelor's degree

Benefits

Flexible health-and-wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts.
401(k) plan with immediate vesting of a generous employer match and additional employer contribution.
Long-term disability and life insurance.
Vacation leave, sick leave, and paid holidays.
Fertility benefit and parental leave plan.
Up to two 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.

About the Company

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.
Plays a critical role in supporting the businesses that make it possible for America to maintain access to an affordable and safe food supply.
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.

Equal Opportunity

A/EOE/M/F/D/V