Credit Officer II - Fiber and Staples

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. While you may not be familiar with our name, 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. And while you help us deliver on our mission, 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. Position Description: The Credit Officer II – Fiber & Staples is responsible for underwriting, analyzing, servicing, and monitoring assigned participation, direct lending, official loan, and excess loan relationships. This role performs in-depth financial analysis, due diligence, credit administration, portfolio monitoring, and transaction support for commercial, agricultural, and related lending opportunities, while helping ensure sound credit discipline, responsive service, and compliance with Bank credit standards and portfolio risk expectations. The position partners with Directors, Capital Markets Credit Analysis leadership, associations, and other financial institutions to evaluate complex credits, support loan participations and correspondent lending relationships, and contribute to portfolio reporting, industry analysis, and special projects. The role requires sound credit judgment, strong analytical capability, and the ability to manage complex transactions and portfolio relationships with an appropriate level of independence. Day-to Day-Duties and 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. What You Bring to the Team: It’s an important role that covers many skills. This position requires: Required 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. Experiencewith official loans, excess loans, loan participations, direct loans, correspondent lending relationships, or comparable complex credit structures. Strong knowledge ofcredit 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. Preferred 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. Why Farm Credit Bank of Texas: In addition to a competitive salary, we offer comprehensive, affordable, and competitive benefit options that are focused on health and wellness, financial security, and achieving a work-life balance: 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 Physical fitness incentive plan Employer matching gifts program Important note: We care about your hiring process and take it seriously. A real person will review your applications, meaning response timelines may vary. The interviewing process at Farm Credit Bank of Texas may include phone calls and emails, on-site interviews, and requests for portfolios or demonstrations of work. We can’t personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit. #J-18808-Ljbffr MidAtlantic Farm Credit Inc.