Capital Farm Credit · 1 month ago
Regional Credit Officer II
College Station, TX
Full-time
Onsite
Senior Level, Lead/Staff
10+ years expCapital Farm Credit is the largest rural lending cooperative in Texas, dedicated to supporting rural communities and agriculture. The Regional Credit Officer II will coach and train staff, manage loan and lease operations, ensure compliance with credit standards, and maintain relationships with various stakeholders in the lending process.
BankingFinancial ServicesInsurance
Responsibilities
Coaches and trains Relationship Managers, credit analysts, and administrators in the origination and servicing of loans and leases
Establishes goals and objectives for credit analyst team in the Region served
Manages delegated authority for credit analysts in the Region Area
Assist in the management of loan and leases in the Region Area in an effort to maintain acceptable risk levels and carry out Association goals and objectives
Hires and evaluates credit analysts in the Region Area
Consults and works closely with Chief Credit Officer, Directors of Credit, other Regional Credit Officers, Regional President, Commercial Ag Credit Group Credit Managers and their respective staffs on loan/lease origination and servicing
Provides input on analysis, pricing and structuring of credits in Market Area
Mentor’s credit and administrative staff in the analysis and structuring of loans and leases
Reviews and approves or denies loans and leases that exceed the delegated authority of loan officers and credit analysts
Serves as a loan committee member
Resolves issues related to credit underwriting by actively working with the Regional President and Loan Administration Manager in the assigned Region Area
Responsible for compliance with credit standards for the Region area
Ensures that loans and leases in market area portfolio are properly underwritten by credit analyst team. This includes ensuring loans and leases are properly risk rated and assigned appropriate Probability of Default (PD) and Loss Given Default (LGD) ratings
Complies with proper credit administration practices as outlined in Association’s policies and procedures
Demonstrates the “CFC Way” in all areas of credit underwriting
Conducts complex credit analyses
Determines creditworthiness of applicants for new loans or leases and credit servicing actions in Region Area
Manages and oversees the underwriting process on credits in the Region Area which are non-performing and assist other stakeholders in the development of corrective action plans or restructuring actions
Prepares budgets for credit underwriting operations associated with the Market Area. Collaborates with the Regional President(s) in the Region Area in the budget process
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 completion of complex loan servicing tasks
Promotes the Association by maintaining good public and member relations
Qualification
Required
Bachelor's degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience
At least ten (10) years of progressively responsible banking or related agricultural lending experience
At least 5 years in a supervisory and/or management position
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
Strong verbal and written communication skills and listening skills
Ability to read, comprehend and write memos, e-mails, operating manuals, and policy directives
Ability to provide, follow and convey verbal instruction, and to provide and receive feedback as appropriate in a respectful, business-appropriate manner
Ability to make effective business presentations, both written and oral, in small and large audiences
Courteous and professional conduct at all times with a willingness to provide and receive constructive input and direction
Ability to foster open lines of communication by conveying pertinent non-privileged industry and company information
Preferred
Preferred location is College Station, but other locations may be considered based on the candidate and office availability
Benefits
Incentive Program: Company-wide, goals-based rewards.
Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 12 paid holidays annually.
Retirement: 401(k) with up to 9% employer contribution/match.
Health Coverage: Affordable medical, dental, and vision plans.
Parental Leave: 8 weeks of paid parental leave.
Life & Disability Insurance: Employer-paid coverage.
Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses.
Company
Capital Farm Credit
Capital Farm Credit deals with banking, insurance, financial, loans and online services.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Jeff Norte
President and Chief Executive Officer
Recent News
Capital Farm Credit
2025-08-05
Capital Farm Credit
2025-05-22
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