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Career Opportunity


Loan Officer

January 3, 2019
Central Texas Farm Credit
Early, Texas
Commensurate with experience and qualifications

Company Profile

Central Texas Farm Credit, ACA is a financial institution that provides loans for agriculture, agribusiness, as well as farm and ranch real estate. We are headquartered in Early and have seven branch offices located in Brady, Early, Coleman, Comanche, Haskell, San Angelo, and San Saba which serve 20 counties in central Texas. We have been part of the Farm Credit System, the national source of financing for agriculture and rural America, for more than 100 years and have total assets in excess of $500 million.

Education and Experience Requirements:

Bachelor’s degree in Business Administration, Finance, Agricultural Economics, or a related field and two (2) or more years of experience as a loan officer or loan officer trainee.

Job Scope:

Prospects, processes and approves loans in assigned territory within the limits of specific delegated authority consistent with Association policies. Has some latitude for decision-making; works under moderate supervision. Develops and implements customer referral strategies in order to increase customer satisfaction and loan portfolio growth for the Association. Represents the Association at public events and is involved in the local community through various activities.

Skill Requirements:

General knowledge of accounting/financial systems. Specialized knowledge of accounting/finance principles. Excellent interpersonal relations, public speaking, and communication skills. Intermediate skill level in Microsoft Office applications. Ability to perform intermediate-level accounting and financial analyses under limited supervision.

Essential Job Functions:

  • Develops and manages loan portfolios including loan originations in the trade area served by the association
  • Attends public relation functions on behalf of the Association
  • Participates in marketing activities of the Association including making calls on prospects to sell services to eligible Farm Credit borrowers
  • Assists prospective and current borrowers with their credit needs and with formulating solutions to credit-related issues
  • Makes and services loans within delegated authority and in accordance with association policies. Makes and/or conveys decisions on loan approval, structure and pricing. Responsible for exercising credit risk management responsibilities on loans within area of responsibility
  • Conducts simple to moderately complex credit analyses. 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
  • Performs loan servicing tasks, which may include partial releases, subordination’s to mineral leases and right of ways, division orders, re-amortizations, assumptions, severance agreements, and insurance claims
  • Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct, and performance status assignments are proper
  • Complies with proper credit administration practices as outlined in the association’s policies and procedures
  • Performs collections on assigned loans and assists management with collections on all loans in the portfolio. Works with delinquent borrowers to obtain satisfactory loan performance
  • Assures that adequate insurance coverage is maintained as required by loan conditions and monitors ad valorem taxes to ensure that such taxes are paid on the security
  • Perform collateral evaluations in compliance with district and association standards and procedures. This includes comparable sales data collection, sales research, etc.

Additional Job Functions:

  • May assist with the title examination on prospective loans to ensure the validity of liens on property pledged as collateral or security interest on chattels. Prepares loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations.

To Apply:

If you meet the minimum requirements and would like to be considered for this position, please send your resume and salary history to:

Central Texas Farm Credit, ACA
P.O. Box 3200
Early, Texas 76803
Attn: Matthew Iley, Branch Manager
(325) 643-5563

This position is currently open and will close when filled.

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.


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