Senior Credit Analyst or Credit Analyst August 13, 2021

August 13, 2021, Central Texas Farm Credit, Abilene, TX

Position: Senior Credit Analyst or Credit Analyst (Depending on qualifications and experience)
Location: Candidate will be expected to work in one of our offices initially. If an employee presents a strong work ethic and has mastered the duties of the position, this position has the possibility of transitioning to a hybrid or completely remote role.
Salary: Commensurate with experience and qualification

Company Profile

Central Texas Farm Credit is a full-service agricultural lender covering 20 counties in Central Texas with branch offices located in Brady, Brownwood, Coleman, Comanche, Haskell, San Angelo, and San Saba. We also have an administrative office located in Abilene. We have approximately $600 million in total assets which consists primarily of loans for livestock, crops and real estate. Central Texas Farm Credit is a member-owned cooperative that is well-capitalized with consistently strong earnings and credit quality. We have been a reliable source of credit to the farmers and ranchers of central Texas for over 100 years.

Education Requirements

Bachelor’s degree in Finance, Accounting, Business Administration or a related field.

Job Purpose and Scope

The primary scope of this position is to assist Loan Officers in the analysis, servicing, and reporting of the association’s loan participations, mortgage, and commercial loans. Performs credit and financial analyses on complex/multi-entity loan originations as well as monitors and reviews various loan packages/opportunities. Fully competent senior-level professional; assignments are broad and complex in nature requiring originality, ingenuity, and leadership; has appreciable latitude for decision making; works under minimum supervision.

Essential Functions

  • Performs credit administration, financial analysis, monitoring and due diligence review of various financial packages and loan originations for the association and other reports as requested by management.
  • Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages. Determines probability of Default (PD) ratings as appropriate and makes recommendations for approval or denial of loans.
  • Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
  • Interprets, communicates, and provides guidance to loan officers regarding association lending policies and procedures.
  • Perform additional task as assigned.

Summary of Desired/Required Experience

  • Five (5) or more years of experience in the banking or financial services industry.
  • Experience in the administration and analysis of credit and working with commercial and mortgage loans preferred.
  • Good standing in current and/or previous employment.
  • Strong work ethic that supports a willingness to handle multiple tasks with efficiency and accuracy.

Other Skills

  • General knowledge of accounting and financial systems.
  • Specialized knowledge of accounting and finance principles.
  • Excellent oral and written communication skills.
  • Excellent skill level in Microsoft Office applications.

To Apply

If you meet the minimum qualifications and wish to be considered for this position, please forward a current resume to the following:

Central Texas Farm Credit, ACA
P. O. Box 3200
Early, TX 76803
Attn. Jim Ed Field, SVP Lending and Credit
Phone 325-260-7478

This position is currently open and will close upon filling.

At the sole discretion of Central Texas Farm Credit, individuals with less than minimum experience requirements may be considered with the position adjusted to a commensurate title.

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.

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

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