Regional Credit Officer I February 10, 2021

February 10, 2021, Capital Farm Credit, Edinburg, TX

Location: This position may be located in Edinburg, Laredo, Robstown, or Harlingen.

Company Profile

Capital Farm Credit is the largest rural lending cooperative in Texas, providing credit and other related services to farmers, ranchers, rural homeowners, and agribusinesses. We are a proud member of the nationwide Farm Credit System which serves the needs of rural America. As one of the largest Farm Credit Associations in the United States, Capital Farm Credit has over $8.1 billion in total assets and employs a workforce of over 500 team members. We serve 192 counties in Texas with 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.

Education Requirement

  • Bachelor’s degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience.

Job Requirements

  • Ten (10) or more years of progressively responsible banking or agricultural lending experience with three (3) years or more in a supervisory and/or management position.
  • Ability to manage the credit underwriting processes in a market area in and around Houston, Texas.
  • Ability to motivate a team of credit analysts to assist other teammates to meet Association goals.
  • Ability to influence internal stakeholders to drive overall credit philosophy within market area.
  • Agricultural production/operating underwriting experience.


  • Establishes goals and objectives, and delegated authority for the market area credit analysts.
  • Hires, evaluates, and provides for training of market area credit analysts to carry out Association goals and objectives.
  • Consults with Regional President, Comm Ag Credit Group, and their respective staffs on loan origination and servicing, underwriting, pricing, and structuring of credit. Directs and mentors credit and administrative staff in the analysis and structuring of large and/or complex credits that may entail higher risk to the Association.
  • Reviews and approves loans submitted by other lending staff that exceed their delegated authority.
  • Resolves issues related to credit underwriting by actively working with the Regional President in the market area served.
  • Responsible for compliance with credit standards for the market area served. Ensures that credits in the market area portfolio, which are underwritten by credit analysts supervised, are properly risk rated.
  • Responsible for compliance with proper credit administration practices as outlined in Association’s policies and procedures manual.
  • Works closely with Sr. Leadership to proactively manage loan portfolio.
  • Conducts complex credit underwriting. 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.
  • Oversees the underwriting on credits which are non-performing in order to assist lenders, special asset and relationship personnel in the development of corrective action plans.
  • Prepares budgets for credit underwriting operations associated with the market area served. Collaborates with the Regional President in the market area served in the budget process.
  • Works closely with the Regional President in the market area served to ensure the mission of the Association is served.
  • Maintains awareness of agricultural trends and business activity, FCA regulations, and legal obligations. Ensures all credit underwriting operations comply with applicable policies, regulations, and laws. Oversees the preparation of all reports required by Association management, the Board of Directors, and regulatory bodies.
  • Oversees and consults on the completion of complex loan servicing tasks.
  • Promotes the Association by maintaining good public and member relations.
  • Works on special projects as assigned.

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.
  • Ability to coach and develop talent to further the Association's Credit Philosophy.
  • Ability to provide guidance to relationship officers and credit analysts in loan making and underwriting.


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,  goal- 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

To Apply

Apply here

Principals only. Recruiters, please don't contact this job poster.

At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant.

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.

If you need a reasonable accommodation for any part of the employment process, please contact us by email at and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.

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