Impress employers and recruiters.
Choose from hundreds of resume examples.

Impress employers and recruiters.
Choose from hundreds of resume examples.

Target Resume Now

About the Role

Farm Credit Bank of Texas is a wholesale bank that has been financing agriculture and rural America for over 100 years. This role plays a critical part in supporting businesses that ensure an affordable and safe food supply, an innovative and evolving industry. We offer competitive compensation, generous health and wellness benefits, and an attractive workplace.

Responsibilities

• Perform financial analysis, underwriting, credit administration, monitoring, and due diligence for assigned official loans, excess loans, loan participation packages, direct loan relationships, and other commercial or agricultural credit opportunities.
• Analyze borrower financial statements, cash flow, collateral, repayment capacity, industry conditions, risk trends, and transaction structures to assess creditworthiness and portfolio risk.
• Support structuring, evaluation, and negotiation of complex credits, including large loans, participations, correspondent lending relationships, and other specialized transactions.
• Monitor assigned participation and portfolio relationships to identify emerging risks, performance trends, covenant concerns, servicing needs, and other matters requiring attention or escalation.
• Assist Directors and Credit leadership in the analysis, servicing, reporting, and ongoing management of the Bank’s loan participations and related portfolio activity.
• Interpret, communicate, and provide guidance to associations regarding sound lending practices, credit policies, financial analysis, and portfolio considerations.
• Review and help resolve legal, title, collateral, documentation, and other credit-related questions that arise during underwriting, servicing, or transaction execution.
• Support development, administration, and enhancement of lending programs, operating procedures, and practices related to lending operations and portfolio management.
• Assist in development and closing of complex loans by supporting analysis, structuring, negotiation, and coordination with internal and external stakeholders.
• Support development and maintenance of loan participation and correspondent banking relationships with other lenders and financial institutions.
• Manage assigned participation loan relationships and provide timely follow-up on servicing, monitoring, reporting, and issue resolution.
• Develop industry analysis, peer group analysis, portfolio analysis, and related credit materials to support decision-making, portfolio oversight, and special projects.
• Prepare clear, well-supported credit analysis, underwriting documents, portfolio summaries, and recommendations for leadership and other stakeholders.
• Assist other Bank personnel in completing coordinated projects, portfolio reviews, and credit-related initiatives as assigned.
• Perform other duties and responsibilities as assigned.

Requirements

• Bachelor’s degree in agricultural economics, finance, business administration, or other related business field, or equivalent experience.
• Three (3) to five(5) years of experience in lending, credit analysis, credit administration, commercial credits, agricultural production lending, or related financial services work.
• Experience analyzing complex credits and working with large loans over $5 million.
• Experience with official loans, excess loans, loan participations, direct loans, correspondent lending relationships, or comparable complex credit structures.
• Strong knowledge of credit administration, financial analysis, loan analysis software, accounting standards, credit policies, and lending procedures.
• Strong understanding of financial statement analysis, forecasting models, cash flow budgets, collateral analysis, appraisal standards, and payment performance related to agricultural production loans, mortgage loans, and commercial credits.
• Ability to identify, measure, monitor, and manage risk in loans, loan portfolios, and direct lending relationships.
• Strong written and verbal communication, interpersonal, organizational, and analytical skills.
• Strong computer skills and ability to manage multiple priorities and deadlines.
• Ability to travel up to 25 percent.
• Experience in Farm Credit, agricultural finance, commercial banking, or another regulated financial services environment.
• Experience supporting complex participation, correspondent banking, capital markets, or direct lending relationships.
• Experience preparing industry, peer group, or portfolio analysis for senior leadership or credit committees.
• Experience assisting with development of lending programs, portfolio management procedures, or credit process improvements.
• Experience working directly with associations, senior loan officers, or other external financial institution partners on credit structuring and evaluation.

Skills

• Credit administration
• Financial analysis
• Loan analysis software
• Accounting standards
• Credit policies
• Lending procedures
• Financial statement analysis
• Forecasting models
• Cash flow budgets
• Collateral analysis
• Appraisal standards
• Payment performance
• Risk management
• Written communication
• Verbal communication
• Interpersonal skills
• Organizational skills
• Analytical skills
• Computer skills
• Priority management
• Deadline management

Location

• Austin, Texas

Work Type

• Hybrid

Experience Level

• 3-5 years
• Senior

Education Level

• Bachelor's degree in agricultural economics, finance, business administration, or other related business field, or equivalent experience.

Benefits

• 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 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.
• 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.
• We deliver on our commitment to you as a valued employee by providing competitive compensation, generous health and wellness benefits packages and an attractive 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 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