Credit Analyst

Credit Analyst

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.

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, you'll find more than a job—you'll find purpose.

Education and Experience:

• Bachelor's degree in Finance, Business Administration or a related field, or equivalent experience.
• Two (2) to four (4) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of new loan or lease applications or credit servicing actions.

Job Summary:

• Assists Relationship Managers, Special Assets Officers and Administrators with data input, analysis, and risk determination.
• Performs simple to moderately complex level credit analysis work on loans and leases, works under moderate supervision.
• In many cases the person is part of a deal team that processes a new loan or lease or credit servicing requests.

Essential Functions:

• Provides assistance to Relationship Managers, Special Assets Officers, and Loan Administrators in analysis, servicing and reporting of the Association's loans and leases.
• Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers to ascertain credit worthiness. Determines appropriate risk 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.
• Works directly with other internal stakeholders in the development of appropriate credit decisions and prepares other reports as requested by management.
• Reviews and approves loans 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 analysts with complex loan applications as necessary.
• Participates in the development of loan/lease relationships with other lenders, potential borrowers, applicants, members, participants, and loan/lease referral sources.
• Assists in the development and closing of loans/leases by assisting management and loan officers and negotiation of such credits.
• Acts as an approver of loans, leases and credit servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.
• Interprets and acts upon various legal, title and other questions which may arise on loans or leases.
• May assist in developing and administering lending programs, as well as developing and revising operating procedures relating to lending operations.
• Provides mentoring/training to less-senior credit analysts.
• Assists other Association personnel in completing projects as assigned.
• Other duties as assigned.

Required 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 moderate supervision.

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 candidate's 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.