Commercial Credit Analyst

About Us
Capital Farm Credit is the largest rural lending cooperative in Texas, serving 192 counties through nearly 70 credit offices. With over $12 billion in assets and more than 600 team members, we provide essential financial services to farmers, ranchers, rural homeowners, and agribusinesses. As part of the nationwide Farm Credit System, we are dedicated to supporting rural communities and agriculture.

Why Join Us?
We seek motivated individuals who share our core values: commitment, trust, value, and family-like respect. As a customer-owned cooperative, we align employee success with member success, offering competitive pay, growth opportunities, and a supportive environment.

Our 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 10-12 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.

At Capital Farm Credit, you’ll find more than a job—you’ll find purpose.

EDUCATION AND EXPERIENCE

• Bachelor’s degree in finance, Business Administration or a related field, or equivalent experience.
• Three (3) to five (5) years of experience in the administration and analysis of credit on commercial, agribusiness, and mortgage loans including risk assessments and recommendations on approval of new loan or lease applications or credit servicing actions.  
• Requires proficiency in oral and written communication.  

JOB SUMMARY

• Partners with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Loan Administrators to conduct data analysis and risk determination for large commercial and agribusiness credits.

• Independently performs simple to moderately complex credit analysis work on loans and leases, applying financial expertise to assess credit worthiness and mitigate risk.

• Exercises judgment in evaluating financial data, industry trends, and borrower risk factors to provide recommendations.

• In many cases, the individual is a key member of a deal team responsible for structuring new loans, leases, or credit servicing requests.

ESSENTIAL FUNCTIONS

• Partners with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Loan Administrators in analysis, servicing and reporting of the Association’s loans and leases.
• Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers to ascertain credit worthiness. Determines appropriate risk 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.
• Collaborates with internal stakeholders to analyze financial data, assess risk, and develop credit recommendations that align with Association policies and risk tolerance. Exercises independent judgement in evaluating, structuring, and preparing detail credit reports used by senior management in decision making.
• Reviews and approves loans submitted by other lending staff that exceed their delegated authority.
• Complies with proper credit administration practices as outlined in the association’s policies and procedures.
• Works collaboratively with senior-level credit analysts to analyze complex loan applications.
• Participates in the development of loan/lease relationships with other lenders, potential borrowers, applicants, members, participants, and loan/lease referral sources.
• Contributes to the structuring, development, and closing of loans and leases, collaborating with management and relationship managers to negotiate such credits.
• Approves leases and credit servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.
• Interprets and acts upon various legal, title and other questions which may arise on loans or leases.
• Develops and administers lending programs, as well as developing and revising operating procedures relating to lending operations.
• Provides mentoring/training to less-senior credit analysts.
• Collaborates with Association personnel on other projects.

REQUIRED SKILLS

• 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 moderate supervision.

DISCLAIMER

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 careers@capitalfarmcredit.com 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. For more information, view the EEO - Know Your Rights and Pay Transparency Statement.

Applicants should personally complete and submit their application materials. Submissions generated through automated tools or third-party mass application services may not be reviewed.

Equal Opportunity Statement
Capital Farm Credit is committed to creating a diverse and inclusive workplace. The position title and requirements may be adjusted based on the candidate's experience and qualifications. We welcome applicants of all backgrounds and do not discriminate based on race, color, gender, religion, national origin, disability, veteran status, or any other protected status. A full job description is available upon request. Candidates selected for hire will be required to complete a background check, including criminal history, education verification, and employment verification. A credit check will be required for roles that require NMLS registration.