Commerical Credit Officer II

2 months ago

Stephenville, United States The Ladders Full time
COMPANY PROFILE:

serves and supports approximately 2,600 member/borrowers in areas of lending, insurance sales, appraisal, and/or leasing. Eleven office locations can be found throughout the Association's 43-county trade territory, and the association has an average loan volume of approximately $2.85 billion, with total assets equaling $3.2 billion. The lending portfolio consists of cotton, livestock, dairy, feed grains, real estate, and ag-related business loans. Additionally, the association territory provides diversity in production and mortgage loans as well as commodities financed. Without strong financial backing farmers and ranchers will not survive, and people will not have food to eat or clothes to wear. AgTexas provides reliable credit and crop insurance to our member-owners, so they can feed and clothe the world.

POSITION:

The Commercial Credit Officer II position is located in any AgTexas office with a salary that is negotiable, depending upon experience. This position performs analysis and servicing of the Association's purchased and originated commercial loans. Evaluates and services loans of moderate complexity and risk. Develops and manages loan portfolios that include purchased participations and loans originated in the trade area served by the Association.

*AgTexas, at its sole discretion, may offer this position with a different title based upon the qualifications of the candidate.

MINIMUM EDUCATION AND EXPERIENCE:

Bachelor's degree in finance, business administration, agricultural economics or a related field, or equivalent experience and at least five (5) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of loan applications. Ideal candidate will exhibit a general knowledge of accounting/financial systems and key accounting principles. General knowledge of office equipment and systems used for the storage and retrieval of business information, as well as standard records management and file classification practices is required. Specialized knowledge of credit delivery systems and the ability to perform intermediate-level accounting and financial analyses under limited supervision. This position requires good oral and written communication skills with specialized knowledge of written correspondence principles. Must be intermediate in skill level with Microsoft Office applications.

KEY RESPONSIBILITES:
  • Develops and manages loan portfolios including loan originations in the trade area served by the association. Works with complex loans and loan participation packages.
  • Provides analysis, servicing and reporting of the associations mortgage and commercial loans.
  • Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers to ascertain credit worthiness. Determines Probability of Default (PD) ratings as appropriate and make recommendations for approval or denial of loans.
  • Interprets, communicates, and provides guidance regarding association lending policies and procedures.
  • Reviews and approves loans submitted by other lending staff that exceed their delegated authority.
  • Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
  • Complies with proper credit administration practices as outlined in the association's policies and procedures.
  • Assists senior-level credit officers with complex loan applications as necessary.
  • Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues.
  • Makes and services loans and leases within delegated authority and in accordance with association policies. Makes and/or conveys decisions on loan approval, structure, and pricing. Responsible for exercising credit risk management responsibilities on loans within area of responsibility.
  • Conducts complex credit analyses. Analyzes balance sheets, income statements, and cash flows of potential borrowers to ascertain creditworthiness. Maintains current, adequate, and verified financial information on borrowers and guarantors as required by association policy.
  • Performs loan servicing tasks, which may include partial releases, subordinations to mineral leases and right of ways, division orders, amortizations, assumptions, severance agreements, and insurance claims.
  • Performs collections on assigned loans and assists management with collections on all loans in the portfolio. Works with delinquent borrowers to obtain satisfactory loan performance.
  • Assures that adequate insurance coverage is maintained as required by loan conditions and monitors ad valorem taxes to ensure that such taxes are paid on the security.
  • May assist with the title examination on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels. May prepare loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations.


WORKING RELATIONSHIPS:

Frequent interaction with customers, association departmental staff and management. Occasional interaction with association senior management, CEO, and/or board of directors. Occasional interaction with Farm Credit Bank of Texas staff. Frequent interaction with area professionals including real estate agents, commercial bankers, and others who deal with the association in the normal course of business.

EOE/AA/M/F/D/V

AgTexas FCS is an Equal Opportunity / Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, national origin, protected veteran status, sexual orientation, gender identity or genetic information.

Persons with disabilities who require an accommodation to complete the application process should call our Lubbock office at ([redacted] and ask to speak to one of our HR representatives to request accommodation in the application process.

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