Credit Officer - Commercial Ag Livestock & Dairy
Company: Farm Credit Council
Location: Lubbock
Posted on: June 24, 2022
Job Description:
rating for loans and leases.
- Interprets, communicates, and provides guidance regarding
Association lending policies and procedures.
- Develops and manages loan portfolios including loan
originations in the trade area served by the association. Works
with complex loans and loan participation packages.
- Interprets, communicates, and provides guidance regarding
association lending policies and procedures.
- Reviews and approves loans and leases submitted by other
lending staff that exceed their delegated authority.
- Complies with proper credit administration practices as
outlined in the association's policies and procedures.
- Assists senior-level credit officers with complex loan/lease
applications as necessary.
- Assists prospective and current borrowers with their credit
needs and with formulating solutions to credit related
issues.
- Makes and services loans and leases within delegated authority
and in accordance with association policies. Makes and/or conveys
decisions on loan approval, structure and pricing. Responsible for
exercising credit risk management responsibilities on loans/leases
within area of responsibility.
- Conducts complex credit analyses. Analyzes balance sheets,
income statements, and cash flows of potential borrowers to
ascertain creditworthiness. Maintains current, adequate and
verified financial information on borrowers and guarantors as
required by association policy.
- Performs credit servicing tasks, which may include partial
releases, subordination to mineral leases and right of ways,
division orders, re-amortizations, assumptions, severance
agreements, and insurance claims.
- Performs collections on assigned loans and assists management
with collections on all loans in the portfolio. Works with loan
officers, administrators and Special Assets Group to service
problem loans.
- May assist with the title examination on prospective loans to
ensure validity of liens on property pledged as collateral or
security interest on chattels. May facilitate the loan closing
process as required in accordance with all applicable association
and FCA policies and regulations.
PREFERRED SKILLS:
- General knowledge of accounting/financial systems.
- Specialized knowledge of accounting/finance
principles.
- Skill in oral and written communication.
- Intermediate skill level in Microsoft Office
applications.
- Ability to perform intermediate-level accounting and financial
analyses under limited supervision.
At the discretion of CFC, position may be offered at alternate
titles and other business experience may be considered
relevant.
AA/EOE/M/F/D/V; Full description available on request.
Capital Farm Credit is the largest rural lending cooperative in
Texas, providing credit and other related services to farmers,
ranchers, rural home owners, and agribusinesses. We are a proud
member of the nationwide Farm Credit System which provides
financing to meet the needs of rural America. As one of the largest
Farm Credit Associations in the United States, Capital Farm Credit
has over $10 billion in total assets and employs over 500 team
members. We serve 192 counties in Texas with nearly 70 credit
offices.
Capital Farm Credit is a great place to work. Our employees are
passionate and committed to serving both rural Texas and each
other. We seek highly motivated and engaged people who foster the
core values behind who we are, how we work and how we treat others
- with commitment, trust and value. We cooperate and care for our
members and employees with family-like respect and appreciation.
Capital Farm Credit works diligently to ensure we provide our
full-time employees with a market-based compensation program
including competitive salary, employee benefits, participation in
an attractive, goals based incentive program, and development
opportunities. As a customer-owned cooperative, our compensation
and benefit programs are designed to align the success of our
members with the employee's success.
Our comprehensive benefit program includes, but is not limited
to:
- An outstanding company-wide incentive program
- Accommodating and flexible vacation and sick leave
- 10-12 paid holidays
- 401(k) plan with up to a 9% employer
contribution/match
- Affordable health, dental, and vision plans
- Employer paid life insurance and disability
- Tuition reimbursement
- Up to $400/year wellness reimbursement
Keywords: Farm Credit Council, Lubbock , Credit Officer - Commercial Ag Livestock & Dairy, Other , Lubbock, Texas
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