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.

EDUCATION AND EXPERIENCE:

Bachelor’s degree in Accounting, Finance or Business Administration, or equivalent work experience. Two (2) to four (4) years of experience in the administration and analysis of credit.

REQUIRED SKILLS

• Basic understanding of credit analysis, administration, and policy and procedures.
• Strong analytical skills and attention to detail.
• Ability to identify and resolve exceptions and to interpret data.
• Effective verbal, written, and interpersonal communication skills.
• Ability to read and comprehend credit write-ups and loan documentation.
• Intermediate skill level in Microsoft Office applications, especially Microsoft Excel, Word.

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

• Spreads and analyzes financial statements to determine financial performance trends; including repayment capacity, liquidity, leverage, and capitalization trends, sources and uses of cash
• Assists in the development of tools and templates for monitoring such loans
• Completes validation, review, reconciliation, and trending of tested financial covenants and borrowing base certificates, using Excel, database or other tools
• Manages review of reporting information with quick response on follow-up items
• Analyzes all pertinent financial information and supporting reports; determines the need for additional information or more thorough investigation; analyzes information statements and related material
• Reviews Credit Agreements and other loan documents to support covenant and reporting requirement monitoring and financial performance review
• Communicates with Deal Teams regarding ongoing performance trends of assigned accounts
• Reviews and understands chattel evaluations, collateral audits, and real estate appraisals
• Analyzes tax returns for determination of repayment capacity
• Develops spreadsheets and other automated tools for account financial performance monitoring, credit analysis, special projects, or presentations
• Provides assistance to Relationship Managers, Special Assets Group, and Administrators in analysis, servicing and reporting of the Association’s loans and leases
• Compiles quarterly industry updates for various industries based on input from Credit Managers, portfolio data, and industry sourced data
• Assists other Association personnel in completing projects as assigned
• Other duties as assigned