Senior Credit Analyst - Commercial Ag August 2, 2021

August 2, 2021, Capital Farm Credit, Round Rock, TX

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 with over $7 billion in total assets and nearly 500 team members. We serve 192 counties in Texas with nearly 70 credit offices and are a proud member of the nationwide Farm Credit System.

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 and 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.

Education Requirement

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

Job Requirements

  • Five (5) or more years of experience in the administration and analysis of moderately complex credits on commercial and mortgage loans and leases.
  • Experience in structuring and evaluating complex loan, lease and credit servicing actions is helpful. This may include purchased and sold loan and lease participations.
  • Preference given to candidates with experience in the following areas:
               Experience underwriting high net worth, C&I, & CRE credits
               Experience underwriting middle market or capital markets credits
               Experience underwriting production agriculture operating credits
               Experience underwriting livestock or dairy credits


  • Provides assistance to Loan Officers, Special Assets Officers and Administrators in analysis and servicing of the Association’s loans and leases.
  • Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers and borrowers to ascertain credit worthiness. Determines appropriate 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.
  • Performs credit administration, monitoring and due diligence review of various financial packages for reports as requested by management.
  • Determines and makes recommendations for approval or denial of loans and leases.
  • Complies with proper credit administration practices as outlined in the association’s policies and procedures.
  • Participates in the development of loan relationships with other lenders, potential borrowers, applicants, members, participants, and loan/lease referral sources.
  • Assists in the development and closing of complex loans by assisting management and loan officers and negotiation of such credits.
  • Acts as an approver of loans and leases and credit servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.
  • Interprets, communicates, and provides guidance to loan officers and administrators regarding association lending policies and procedures.
  • 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.

Preferred Skills

  • Able to review financial statements and other information, and prepare concise, informed Credit Reviews.
  • 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 complex accounting/financial analyses under limited supervision.
  • Interact with other departments of the association, including legal, treasury, and loan administration. Represent CFC at lenders meetings and industry gatherings.


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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