Credit Analyst

1 month ago

San Antonio, United States Capital Farm Credit Full time

Description/Job Summary LOCATION: + Office location will be within the San Antonio Market, based on availability. EDUCATION REQUIREMENT: + Bachelor's degree in Finance, Business Administration or a related field, or equivalent experience JOB REQUIREMENTS: + two (2) to four (4) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of new loan or lease applications or credit servicing actions. FUNCTIONS: + Provides assistance to Loan Officers, Special Assets Officers and Retail 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. + Works directly with other internal stakeholders in the development of appropriate credit decisions and prepares other reports as requested by management. + 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. + Assists senior-level credit analysts with complex loan applications, as necessary. + Participates in the development of loan/lease relationships with other lenders, potential borrowers, applicants, members, participants, and loan/lease referral sources. + Assists in the development and closing of loans/leases by assisting management and loan officers and negotiation of such credits. + Acts as an approver of loans, 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. + May assist in developing and administering lending programs, as well as developing and revising operating procedures relating to lending operations. + Provides mentoring/training to less-senior credit analysts. + Assists other Association personnel in completing projects as assigned. PREFERRED 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. At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant. AA/EOE/M/F/D/V; Full description available on request. Details Capital Farm Credit is the largest rural lending cooperative in Texas, providing credit and other related services to farmers, ranchers, rural home owners, and agribusinesses with over $12 billion in total assets and over 600 team members. We serve 192 counties in Texas with nearly 70 credit offices and are a proud member of the nationwide Farm Credit System. We seek highly motivated and engaged people who foster the core values behind who we are, how we work and how we treat others - with commitment, trust and value and family-like respect and appreciation. Capital Farm Credit works diligently to ensure we provide our full-time employees with a market-based compensation program including competitive salary, employee benefits, participation in an attractive goals-based incentive program, and development opportunities. As a customer-owned cooperative, our compensation and benefit programs are designed to align the success of our members with the employee's success. Our comprehensive benefit program includes, but is not limited to: + An outstanding company-wide incentive program + Accommodating and flexible vacation and sick leave + 10-12 paid holidays + 401(k) plan with up to a 9% employer contribution/match + Affordable health, dental, and vision plans + 8 weeks of paid parental leave + Employer paid life insurance and disability + Tuition reimbursement + Up to $400/year wellness reimbursement

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