Apply on Employer Site

Capital Farm Credit · 5 months ago

Relationship Manager III

Burnet, TX

Full-time

Onsite

Senior Level

5+ years exp

Capital Farm Credit is the largest rural lending cooperative in Texas, dedicated to supporting rural communities and agriculture. The Relationship Manager III will manage and maintain current relationships while seeking new accounts, recommending or approving loans, and developing loan portfolios to increase client satisfaction and portfolio growth.

BankingFinancial ServicesInsurance

Comp. & Benefits

Responsibilities

Develops new business in the assigned office in addition to servicing existing commercial and real estate customers

Reviews loan analysis within the guidelines and policies of the association, processes and approves loan requests within the limits of delegated authority and in accordance with Association guidelines

Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection

Collaborates with credit analysts on loans exceeding delegated authority

Establishes business relationships with agricultural producers, rural landowners, and community business leaders. Cultivates these relationships to expand lending opportunities

Represents the association at local and regional community and market related activities

Promotes the association by maintaining good public and member relations and assists with or attends corporate functions

Makes and services leases, loans for operating equipment and real estate, and offers other related services such as cash management products and crop insurance

Makes and/or conveys decisions on loan approval, structure, and pricing

Exercises credit risk management responsibilities on loans within area of responsibility

Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities

Secures background and credit history on new loans, repeat loans, and renewals

Provides for evaluation of loan collateral in accordance with association policies and procedures

Works with loan process to ensure proper lien perfection on all collateral

Develops proficiency in complex credit analyses

Reviews balance sheets, income statements and cash flows of potential borrowers to ascertain creditworthiness

Works with credit analysts on loans in process and maintains current, adequate, and verified financial information on borrowers and guarantors as required by Association

Performs loan servicing tasks, which may include partial releases, re-amortizations, assumptions, additional advances, extensions, conversions, insurance claims, subordinations to mineral leases and right of ways, division orders, severance agreements

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

Assists staff and management with collections on all loans in the portfolio

Works with delinquent borrowers to obtain satisfactory loan performance

Assures that loan covenants are maintained as required

Assists with the title examination process on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels

Reviews loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations

May perform appraisals, inspections and/or collateral evaluations in compliance with District and Association standards and procedures. May assist with or attend public relations functions for the Association

Qualification

Agricultural lending experienceMortgage Loan Officer registrationFinancial analysisFinance/accounting principlesMicrosoft Office proficiencyRapport buildingHigh-pressure environment capabilityCommunication skills

Required

Bachelor's degree in business administration, Finance, Agricultural Economics, or a related field, or equivalent experience

5 or more years of progressively responsible banking or related agricultural lending experience, or other experience that translates to lending experience as determined at the discretion of Capital Farm Credit

Registration required as a Mortgage Loan Officer under the National Mortgage Licensing System

Ability to build rapport and represent the Association effectively

Capable of operating in high-pressure environments with complex, high-profile clients

Outstanding written and verbal communication skills

General accounting and financial system knowledge

Specialized understanding of finance/accounting principles

Basic proficiency in Microsoft Office

Ability to perform financial analyses with moderate supervision