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About the Role

Farm Credit Bank of Texas is seeking a Credit Officer II to support the underwriting, analysis, servicing, and monitoring of commercial and agricultural credit relationships. This role involves evaluating complex credits, performing financial analysis, assessing risk, and making sound credit recommendations to support the bank's mission of financing agriculture and rural America.

Responsibilities

Perform financial analysis, underwriting, credit administration, monitoring, and due diligence for assigned commercial and agricultural credit relationships, including participation, direct, official, and excess loans.
Analyze borrower financial statements, cash flow, repayment capacity, collateral, industry conditions, transaction structures, and risk trends to assess creditworthiness and portfolio risk.
Support the structuring, evaluation, negotiation, and closing of complex credits, including large loans, participations, correspondent lending relationships, and other specialized transactions.
Monitor assigned loan and participation relationships to identify emerging risks, performance trends, covenant concerns, servicing needs, and other matters requiring attention or escalation.
Prepare clear, well-supported credit analyses, underwriting documents, portfolio summaries, and recommendations for Credit leadership and other stakeholders.
Partner with the Lending Team and Credit leadership in the analysis, servicing, reporting, and ongoing management of the Bank’s loan participations and related portfolio activity.
Work with Farm Credit associations to communicate and provide guidance regarding sound lending practices, credit policies, financial analysis, and portfolio considerations.
Help research and resolve legal, title, collateral, documentation, and other credit-related matters that arise during underwriting, servicing, or transaction execution.
Support the development and maintenance of loan participation and correspondent banking relationships with other lenders and financial institutions.
Develop industry, peer group, portfolio, and other credit analyses to support lending decisions, portfolio oversight, and special projects.
Contribute to the development and enhancement of lending programs, operating procedures, portfolio management practices, and credit-related initiatives.

Requirements

Bachelor’s degree in agricultural economics, finance, business administration, or another related business field, or equivalent experience.
Three (3) to five (5) years of experience in lending, credit analysis, credit administration, commercial credit, agricultural production lending, or related financial services work.
Experience analyzing complex credits and working with large loans of more than $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, accounting standards, credit policies, lending procedures, and loan analysis tools.
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 within individual credits, loan portfolios, and direct lending relationships.
Strong written and verbal communication, interpersonal, organizational, and analytical skills, with the ability to manage multiple priorities and deadlines.
Ability to travel up to 25%.

Skills

Credit analysis
Lending
Financial analysis
Underwriting
Credit administration
Risk assessment
Communication
Interpersonal skills
Organizational skills
Analytical skills

Location

Austin, Texas

Work Type

Onsite

Experience Level

3-5 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 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, legal, or other administrative functions, and welcome you to join us in our mission to feed the world.