Commercial Senior 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.

LOCATION

This position will be located at our office in Amarillo, Texas.

EDUCATION AND EXPERIENCE

• Bachelor’s degree in finance, Accounting, Agribusiness, Business Administration or a related field, or equivalent experience.
• Five (5) or more years of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases.
• Experience in structuring and evaluating complex loan, lease and credit servicing actions is essential, and requires proficiency in oral and written communication. Transactions include direct, as well as purchased, sold, and syndicated loans and leases.

JOB SUMMARY

• The Commercial Senior Credit Analyst collaborates with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Administrators in performing detailed financial analysis of commercial agriculture and agribusiness credits.
• This role involves assessing creditworthiness, conducting market research, and performing high-level credit analysis and structuring of the Association’s largest and most complex borrowers.
• The Senior Credit Analyst will work under moderate supervision, often as part of a deal team that guides credit actions through the entire process from initial discussions through underwriting, decision-making, closing, and servicing.
• Fully competent mid-level professional, assignments are broad in nature requiring originality, ingenuity, and leadership; has appreciable latitude for decision making; works under moderate supervision.
• May serve as a Team Leader.

ESSENTIAL FUNCTIONS

• Collaborates with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Loan Administrators in structuring, analysis and servicing of the Association’s largest and most complex borrowers' loans and leases. Transactions include direct, as well as purchased and sold loan and lease participations.
• Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers and borrowers to ascertain credit worthiness. Determines appropriate 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.
• Develops, manages, and monitors loan portfolios including commercial loan originations and capital markets loan participation packages.
• Performs credit administration, monitoring and due diligence review of various financial packages for reports as requested by management.
• Demonstrates a strong understanding of key ratio analysis, and the relationship of those ratios on the various financial statements (balance sheet, income statement, cash flow statement, etc.).
• Determines and recommends approval or denial of loans and leases.
• Complies with proper credit administration practices as outlined in the association’s policies and procedures.
• Participates in the development of loan relationships with other lenders, potential borrowers, applicants, members, participants, and loan/lease referral sources.
• Contributes to the development and closing of complex loans collaborating with management and relationship managers to negotiate such credits.
• Approves loans and leases and credit servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.
• Interprets, communicates, and provides guidance to relationship managers and administrators regarding association lending policies and procedures.
• 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 other association personnel in completing projects as assigned.
• May perform collateral evaluations as required. Other duties as assigned.

REQUIRED SKILLS

• Five or more years of experience in structuring and evaluating loan, lease, and credit servicing actions for commercial, agribusiness and capital markets customers.
• Strong analytical and financial analysis skills, with the ability to assess creditworthiness and conduct market research
• Intermediate knowledge of accounting/finance principles.
• Excellent communication (oral and written) and interpersonal skills, with the ability to work effectively as part of a deal team
• Ability to work independently and under moderate supervision.
• Proficiency in using financial analysis tools and software.
• Intermediate skill level in Microsoft Office applications.

PREFERRED SKILLS

• Thorough knowledge of financial credit analysis (including projections), collateral analysis, appraisal standards and repayment performance in the areas of agriculture/agribusiness loans, mortgage loans and commercial ag/operating credits.
• Knowledge of Farm Credit System and its lending practices.

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.